Provides Opinion & Testimony In:
Insurance, Marine, Marine Vessel Examiner, U S Coast Guard Vessel Inspection Program, instructor Maritime License, Instructor for US Power Squadrons, Licensed Pilot, Insurance Policy interpretation, Policy language, Insurance standards practices, underwriting guidelines for personal, professional, commercial lines, policy drafting
Expert Witness No.1363
Florida
Summary
Expert 1363 is an insurance company executive with regional and home office expertise. Experience includes creating new insurance products, drafting policy language, developing loss control standards and procedures, adjusting and supervising claims, interpreting policy language, writing underwriting guidelines and procedures, preparing regulatory filings, and supervising underwriting, sales and claims personnel. Specializing in franchised automobile vehicle dealerships, commercial marine risks, legal malpractice, and insurance agents professional liability.
Education
Jacksonville University, Jacksonville, Florida
Graduated May 1973
B.S. Business Administration
Langley High School, McLean, Virginia
Graduated June 1968
Insurance Related Courses
Casualty Loss Adjusting Crawford & Company Insurance School Dwelling Appraisal and Property Loss Adjusting Crawford & Company Insurance School Fire Protection and Hydraulics Lumberman’s Underwriting Alliance Fire Prevention
Lumberman’s Underwriting Alliance Accident Prevention
Lumberman’s Underwriting Alliance OSHA Law & Regulations
Lumberman’s Underwriting Alliance/NIOSH Professional Finance and Insurance Management
Dunn & Bradstreet Use of the Computer in Insurance Related Applications
Universal Underwriters Insurance School Course of Selling Techniques
Lee Debois Schools Time Management
DeTaks Schools Rate Making & Loss Cost Development
Insurance Services Office Implementing Prospective Loss Cost
Insurance Services Office Policy Coverage: Intention v. Interpretation
American Bar Association Personal Lines Coverages
Insurance Licensing School
Commercial Casualty – Advanced Topics
Insurance Licensing School Senior Health Care
Insurance Agents Professional Liability
Time Element Insurance
Disability Income Insurance
Commercial Lines Insurance
Insurance Agents Professional Liability Loss Prevention
Personal Lines Risk Management
Florida Insurance School
Insurance ~ Professional Designations
Certified Insurance Counselor
Commercial Casualty April 2001 Passed
Personal Lines May, 2001 Passed
Life Insurance June 2001 Passed
Agency Management September 2001 Passed
Commercial Property December, 2001 Passed
Certified Property & Casualty Underwriter
Underwriting Principles April, 1984
Certified Risk Manager
Financing of Risk September, 2003 Passed
Practical Risk Management, December 2003 Passed
Faculty – The National Alliance
Marine Related Courses United States Power Squadrons Piloting
Basic Boating
Seamanship
Advanced Piloting
Marine Weather
Marine Insurance
Marine Electronics
Engine Maintenance
Instructor Qualification
Sail
Cruise Planning
Leadership Development
Licenses
Florida 2-20: General Lines
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty and Health Insurance
Florida 2-40: Health
Licensed for Solicitation, Consultation and Claims Adjusting
Florida 2-14: Life & Variable Annuity
Licensed for Solicitation and Consultation
Florida 2-15: Life, Health & Variable Annuity
Licensed for Solicitation and Consultation
Florida 1-20: Surplus Lines
Licensed to Export Insurance Outside Florida
Florida 0-60: Managing General Agent
Licensed to Manage Specific Affairs of Insurance Carriers
Georgia: Nonresident
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty and Surety
Virginia: Nonresident
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty Surety, and Surplus Lines
Continuing Education Statute – In Compliance
Licenses & Designations
Marine Vessel Examiner – U. S. Coast Guard
Airman’s License – Federal Aviation Administration
Instrument Endorsement
Complex Aircraft Endorsement
High Performance Aircraft Endorsement
Acrobatic Endorsement
Maritime License – Instructor – State of Florida
Instructor – United States Power Squadrons
Educational Proficiency Award – United States Power Squadrons
Work History
6/93 to Present
President
Risk Management Company, Florida
Provide insurance consultation services for large commercial risks and governmental agencies nationwide. Administration of professional liability insurance programs for attorneys, accountants insurance agents totaling $25,000,000. Provide special services to insurance carriers, including writing insurance policy provisions, underwriting guidelines, processing procedures, rate development, and rate and forms filings.
Act as an insurance intermediary for the placement of a client’s insurance. Insurance is either placed direct with an insurance carrier or indirectly through an insurance agency or managing general agency. Premium totaling $1,500,000.
1/93 to 6/93
President
RUMGER-Great American Insurance Services Orlando, Florida
Responsible for all operations including modification of policy form, procedures, systems, and marketing. Transferred RUMGER Insurance Company policyholders to Great American Insurance Company retaining some $12,000,000 in premium.
Special Projects
Rewrite of broad form Professional Liability Policy for Lawyers
1/89 to 1/93
Vice President – Administration
RUMGER Insurance Company Orlando, Florida
Responsible for underwriting, loss control, governmental affairs, policy rating and processing, computer services, reinsurance, and new product development. Participate in company strategic planning and operations, including new market and new products development. Responsible for drafting policy language, rules and rates, including obtaining approval by appropriate governmental agencies. In charge of computer hardware procurement, in-house programming, system operation of AS400 main frame and IBM compatible PC computers and internal operations.
Special Projects
Creation of broad form Package Policy for Attorneys (LAWPAC), Creation of broad form Professional Liability Policy for Physicians (PRO-MED) Creation of Prospect Account Marketing Program, Designed computer program to automate the policy issuance, billing, statistical reporting, Financial reports and claims adjusting operations
3/88 to 1/89
Vice President – Underwriting and Sales
RUMGER Insurance Company Orlando, Florida
Responsible for underwriting, loss control, governmental affairs, policy rating and processing, sales, and new product development. Participate in company strategic planning and operations, including new market and new products development. Responsible for drafting policy language, rules and rates, including obtaining approval by appropriate governmental agencies.
Special Projects
Creation of broad form Professional Liability Policy for Attorneys
2/86 to 3/88
Vice President
National Risk Management & Associates, Inc.
Structured Financial Associates of Florida, Inc. Lake Mary, Florida
Developed commercial insurance programs for the Florida Automobile Dealers Association, ComCar
(i.e. Commercial Carrier Corporation) and RUMGER Insurance Company. This included the creation of loss prevention and safety engineering programs, insurance policy provisions, underwriting guidelines, processing procedures, rate development, and rate and forms filings.
Provided consultation services for attorneys, insurance carriers, and independent claims adjusting corporations on insurance related matters. Handled structured settlement & life insurance programs including the design, evaluation, negotiation and settlement of tort and workers compensation claims. Provide consultation services for state auto dealer associations, and individual auto dealers nationwide. Regularly conducted insurance seminars for auto dealers.
11/83 to 2/86
Divisional Executive Assistant
Universal Underwriters Insurance Company
Universal Underwriters of Texas Kansas City, Missouri
Assistant to the Vice President and General Manager of the Western and Southern Divisions. Responsible for the marketing, underwriting, claims, internal services, and accounts receivable operations in 14 regional offices with annual written premiums of over $110,000,000 in commercial property and casualty, life and other insurance related business. Represented line management in new product development. Regular duties include; review requests for special endorsements, development and maintenance of commercial package policy (i.e. Unicover), review new coverage requests from regional offices, review new or changes in state law that may effect insurance policy, review coverage questionnaires and requests for gratuitous claims payments.
Territory – Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Kentucky, Louisiana, Mississippi, Montana, Nevada, New Mexico, North Carolina, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wyoming.
Special Projects
Creation of Commercial Package Policy for Automobile Dealers, Creation of Account Profile Marketing Program, Creation of Prospect Account Marketing Program, Designed computer program to automate the policy issuance, billing, statistical reporting, financial reports and claims adjusting operations in Texas.
1/81 to 11/83
Divisional Underwriting Manager
Universal Underwriters Insurance Company Kansas City, Missouri
Assistant to the Vice President and General Manager of the Western Division. Responsible for the underwriting, internal services and accounts receivable operations in 7 regional offices with annual written premiums of over $60 million in commercial lines property and casualty business. Regular duties include; policy interpretation, development of special endorsements, development and maintenance of commercial package policy (i.e. Unicover), review new coverage requests from regional offices, review new or changes in state law that may effect insurance policy. Indirectly responsible for specifically assigned sales and claims operations. Territory – Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
Special Projects
Creation of Computerized Building Appraisal Service Creation of Computerized Motor Vehicle Report Service Loss Prevention Committee Member, Coverage Committee
12/77 to 1/81
Regional Underwriting Manager
Universal Underwriters Insurance Company, Kansas City, Missouri
Reported to the Divisional Underwriting Manager. Responsible for the underwriting, policy issuance, and accounts receivable operations in the regional office. These responsibilities include new and renewal commercial and personal lines policy processing, evaluation, and placement of facultative reinsurance. Territory – North Carolina, South Carolina and Virginia.
Special Projects
Established underwriting office in Raleigh, North Carolina, Established satellite office in Richmond, Virginia
8/76 to 12/77
Assistant Underwriter
Universal Underwriters Insurance Company Kansas City, Missouri
Reported to the Regional Underwriting Manager. Responsible for the underwriting, evaluating and pricing of agents orders, and new and renewal commercial lines property and casualty business. Territory – Alabama, North Carolina, South Carolina, and Virginia.
Special Projects
Loss Prevention Consultant
2/74 to 8/76
Lynn Underwriting Company
Universal Underwriters Insurance Company Jacksonville, Florida
Loss prevention and OSHA inspections and consultation. Created loss prevention program for
Florida Automobile Dealers Association Self-Insured Workers Compensation Fund.
Special Projects
Consultant to and liaison to Lumberman’s Underwriting Alliance. Development of Designated Person Program Loss Prevention Program.
8/73 to 2/74
Insurance Adjuster & Property Appraiser
Crawford & Company Insurance Adjusters Jacksonville, Florida
Claims adjusting property, casualty and workers compensation losses. Dwelling and light commercial building appraisals.
5/73 to 8/73
Insurance Adjuster
Crawford & Company Insurance Adjusters Way cross, Georgia
Claims adjusting property, casualty and workers compensation losses
Civic Service
Administrator – Seminole Power Squadron Insurance Program
Seminole County Tourism Development Advisory Board
Orlando International Fringe Festival Board of Directors Board of Directors – Princeton Hospital Foundation
On-Air Talent – WMFE-PBS Radio & Television
Commander – United States Power Squadrons Valencia Community College Advisory Board
Orlando Theater Project Board of Directors
