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Expert has over 25 years experience in all areas of placing commercial property/ casualty insurance. His 7 year's of training at national insurance brokerage firm's was instrumental in Expert developing a keen understanding of casualty insurance coverage combined with gaining expertise in how brokers and agencies are to place property/casualty coverage. This critical training and experience has enabled Expert to operate his own insurance agency for the past 18 years. He places all forms of property/casualty insurance on a daily basis. Consequently, he understands actual coverage, placement, and brokerage firm procedures related to property/casualty coverage.He has additional expertise in all facets of the placement and understanding of all lines of Professional Liability Insurance covers. His advanced designation of Associate in Risk Management (ARM) has given Expert an extremely comprehensive view of each of the aspects of property/casualty insurance placement.

Expert has been placing directors and officers (D&O) liability insurance for over 25 years. He specializes in Professional Liability Insurance, of which D&O is a subspecialty. As D&O insurance is in a constant state of change relative to specific coverage enhancements and exclusions, it is imperative that an expert be utilized in the analysis of both the placement and the coverage form of those insurance policies. The trends within the market are never static. Therefore, it is essential that one utilize an expert that has a constant read on the changing market. Expert places D&O insurance for both publicly traded and private companies. He has access to all of the data needed for analysis of the market and has an extremely developed understanding on how D&O policies should be placed and analyzed by both brokers and agencies. Additionally, he has placed coverage for nearly every line of Professional Liability risks. Expert has been an active member of the Professional Liability Underwriting Society (PLUS) for over 24 years.

Expert has in excess of 24 years of experience as and agent, and 16 years as an ageny owner. He has a keen understandong of the standards of care and practices in operating as an agent and agency. It is quite often that there is a dispute between and agent or agency and an insurance carrier and insured. There are standards of care and procedures within the insurance industry that the agent and agency are expected to perform to. Likewise, the insurance company has great responsibility in providing unquestionably clear information relative to what insurance the agent and brokerage is procuring on behalf of their client. Disputes often arise because of a gap in determining what the insured believed they had purchased versus what cover the insurer actually provided. Sometimes it is the fault of the broker, agency, intermediary wholesale broker, or third party administrator. Expert has extensive experience in determining the responsibilities and obligations of each of the parties involved in the litigation. He has testified as an expert at depositions, at trial, as well as having written extensive reports for the law firm's, relative to disputes and the responsibilities and levels of care and expertise expected.

Expert has been evaluating, studying, and placing multiple lines of insurance for over 25 years. He was trained at the most prestigious national brokers for 7 years, followed by owning and operating his own insurance agency for the past 18 years. His extensive knowledge base and resource materials enable him to analyze nearly all aspects of insurance as an expert. Forms analysis, and broker and agency placement are directly tied to information provided by the insurance company, and are key components of the evaluation of each case. Expert has been deposed, testified at trial, and written extensive reports as an expert on multiple facets of insurance, as well as the standards odf care in their placement. Some of those include; agent and agency procedures, bad faith, failure to procure, third party administration, standards of care, risk management, commercial insurance, and many other subjects. His vast day to day placement experience combined with his extensive resources and training greatly assist in the critical aspect that Expert is charged with as an expert.

Expert has been responsible for responding to insurance claims from his client's for over 25 years. As an agent trained for over 7 years at the nation's top insurance brokerage firms, followed by 18 years of owning and operating his own insurance agency, Expert has extensive experience in handling and analyzing all aspects of insurance claims. His claims handling expertise ranges from insurance companies, wholesale brokers, captive insurance companies, and third party administrators (TPA). There are established protocols and procedures that Expert uses as benchmarks in his analysis of a case. The result of his careful study and analysis of those facts and actions is often a key determining factor in the outcome of the case. Additionally, Expert has an extensive resource library and information access to determine that insurance claims in a particular case are analyzed closely with industry standards to determine deviations that may be critical to analysis of the case.

Expert has over 24 years of experience analyzing and placing all lines of liability insurance. He was trained for 7 years at the most prestigious brokers in the country relative to liability insurance policy forms, insurance markets, and the appropriate analysis and placement of this coverage. For the past 16 years, he has owned and operated a retail insurance agency that has placed liability insurance nearly every day. Concepts within liability insurance analysis require a keen understanding of policy language, forms, terms offered, and endorsements and exclusions to those policies. Expert has that ability and vast experience for each of these functions and has been deposed, testified at trial, and written extensive reports regarding liability exposures and all aspects of those exposures relative to the particular case. His vast informational library and access to benchmark standards greatly assists in the validation of his analysis of each case.

Expert has been analyzing and placing property insurance for greater than 25 years. His extensive training for 7 years at two of the nation's most prominent and largest insurance brokers provided Expert with the training and access to insurance markets to carefully evaluate particular property insurance for that specific client. He has owned his property/casualty insurance agency for over 18 years, where he places a vast array of covers. On a broader scale, his training and advanced designation of Associate of Risk Management (ARM) also vastly assisted him in obtaining great depth of knowledge of property insurance. He has placed nearly every type of property insurance and clearly understands policy language, policy form, endorsements and exclusions, and placements within the markets. He has been deposed, testified at trial, and written extensive reports regarding property insurance placement, coverage issues, and standards of care necessary in the placement of this line of insurance.

Expert's 25 years of experience within the retail insurance brokerage industry has enabled him to actively participate in the formulation of multiple self-insurance plans. His eight year's of training at two of the nation's most prestigious brokers followed by his ownership and operation of his agency for the last 18 years has brought numerous self-insurance plans and policies into force. Additionally, Expert formed a intellectual insurance program at Lloyd's of London that often resulted in the development of self-insurance programs for applicants, relative to this line of coverage. His advanced designation of Associate in Risk Management (ARM) has also provided significant resource material and ongoing information as to appropriate mechanisms to establish and evaluate self-insurance programs. As each plan is unique, Expert possesses the background and resource materials to make key determinations regarding the self-insurance plan in the particular case, as an expert evaluating the claims and facts within that case.

Expert possesses more than 25 years of analysis and placement of every type of workers compensation program. His 7 years of training at two of the nation's most prestigious brokers followed by 18 years of owning and operating his own agency has enabled him to evaluate, compare, and place numerous types of workers compensation policies and programs. These range from policies placed with standard carriers in single states with one insurer, through highly complicated workers compensation programs involving multiple states and third party administrators (TPA). Additionally, Expert has developed and placed captive insurance company workers compensation policies within both the Bermuda and London insurance markets. His advanced training and designation of Associate in Risk Management (ARM) enables Expert to carefully evaluate the case as respects placement, markets, standards of care, policy language, and numerous other factors.

Expert has greater than 25 years experience in the area of workers compensation claims management. For 7 years, Expert was trained at two of the nation's most prestigious brokerage firms regarding the proper handling of workers compensation claims. He has then owned an insurance agency for the last 186 years, wherey he has worked with all areas of workers compensation claims management.The size of those two national broker organizations enabled Expert to gain great expertise in workers compensation claims management on a vast spectrum of claims; from single state insured's throughout third party administrators (TPA), and captive insurance companies. As Expert holds an advanced designation of Associate in Risk Management (ARM), his training is extremely broad. His 8 years of owning and operating his own insurance agency has enabled Expert to continue to greatly assist and evaluate workers compensation claims management nearly every day. He has testified in this area at deposition, through trial, and has also written extensive reports for particular cases relating to workers compensation claims management.

Review information, review Complaint and Discovery, attend Depositions and be Deposed, attend and testify at trial, and form opinions as to standards of care expected both of an insurance agent and an insurance agency. The area of expertise within the (Undisclosed) is broad and also encompasses third party claims administration, as well as standards of care expected by an agent and agency relative to an insurance company and wholesale broker.