Expert Details
Commercial Auto Policy Language, Truckers, Motor Carrier and Garage
ID: 731367
Connecticut, USA
His specialized experience is in the Commercial Auto line of business with overall responsibility for the company's commercial line product and underwriting development. He has specific expert knowledge in Truckers, Motor Carriers, and Garage policies, including developing policy language, underwriting, and pricing approach to target several classes of business such as truckers, wholesalers, and auto dealers. In addition, he has authored several articles for various publications.
Expert was retained for his expert opinion and analysis of Uninsured and Underinsured Motorist Coverage in a case involving a dispute in coverage analysis and interpretation. He was deposed as an expert witness, and the case was subsequently settled in his client's favor. As a company employee, Expert was asked to interpret Truckers liability coverage for a $14M loss involving disputed coverage and underwriting intent on an auto accident. The case involved utilizing him for his expert underwriting and coverage opinions, premium audit terms, and pricing. The case was arbitrated and subsequently settled in the company's favor for substantially less on a structured settlement basis.
Professional Qualifications
• Extensive Transportation and Commercial Auto underwriting and marketing expertise.
• Experienced enterprise Underwriting and Product head for a $1.6B Commercial Auto line.
• Successful insurance experience in multiple disciplines: Underwriting, Sales, Marketing, Product Development, Line Management, and Field Management over a 40 year period.
• Skilled at motivating, developing, and leading others.
• Solid experience at both field and HO levels (local/regional and national). Comprehensive industry knowledge and familiarity with market trends.
• Successful growth and profit track record. Strong relationships with brokers and agents.
• Author of numerous articles in various industry publications.
• Successfully executed HO P&L responsibility for over $700 Million premium portfolios in Transportation, Auto Dealers, Wholesale, and other industry segments.
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 1999 | Degree: MBA | Subject: Business | Institution: Queens University, Charlotte, NC |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2014 to 2022 | Employer: Navigators Insurance / The Hartford | Title: President Specialty Auto / Head of Transportation | Department: Specialty Auto / Transportation |
Responsibilities:Developed, built, implemented, and presided over all aspects of the Specialty Auto business division from Underwriting to Product, Pricing, Distribution, Operations, Staffing, Systems, and others. Steered the division from zero to almost $100M in 5 years. |
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| Years | Employer | Title | Department |
| Years: 2012 to 2013 | Employer: IFG Companies (Guilford/Burlington Insurance Companies) | Title: Vice President - Commercial Auto | Department: Commercial Auto |
Responsibilities:Was responsible for building and presiding over a Commercial Auto business unit. He developed Business Auto, Garage, and Motor Carrier products, Marketing, Operations, and Distribution strategies, and the Underwriting and Pricing approach to launching the expansion into the Commercial Auto line of business. |
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| Years | Employer | Title | Department |
| Years: 2000 to 2012 | Employer: Travelers Insurance Company | Title: Second Vice President | Department: Underwriting and Product Management |
Responsibilities:Had national P&L responsibility for several industry programs including Auto Dealers, Wholesalers, Importers, Transportation, and Severe Products Liability. He had previous accountability for Hotel and Educational Institution's segments. He developed and implemented an auto dealers industry program. Expert also had full responsibility for Travelers' $1.6B commercial auto line of business and directed field authority, underwriting, and business appetite and strategies. |
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| Years | Employer | Title | Department |
| Years: 1999 to 2000 | Employer: Reliance Insurance Company | Title: Assistant Vice president | Department: Product Management |
Responsibilities:Business Management and Development (5/99 - present). Corporate responsibility for Reliance’s $120 Million commercial automobile line of business. Developed and directed profit improvement initiatives executed through field offices. Led line underwriting and pricing direction. Also had dual responsibility for managing growth and profit of National Programs |
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| Years | Employer | Title | Department |
| Years: 1993 to 1999 | Employer: United States Fidelity and Guaranty Insurance Co. | Title: Director - Transportation Segment | Department: Underwriting |
Responsibilities:Had full enterprise responsibility for a $100M transportation segment and ran the Southeast region also. He directed the branch network and worked with agents to drive profitable results. He hired a team of underwriters for the southeast region. He also developed USF&G's Marketlink program for wholesalers. |
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| Years | Employer | Title | Department |
| Years: 1986 to 1993 | Employer: Royal Insurance Company | Title: National Underwriting Manager | Department: Underwriting and Programs |
Responsibilities:Had national underwriting responsibility for a field operation focusing on national programs. He also had responsibility for reverse flow business with the Japanese. Finally, he ran the umbrella line of business for the company and assisted in running the General Liability line. |
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| Years | Employer | Title | Department |
| Years: 1979 to 1986 | Employer: CIGNA Corp | Title: Territorial Manager | Department: Commercial Underwriting |
Responsibilities:Responsible for growth, profit, and loss of the region. He recruited and appointed and terminated agents. As underwriting manager, he successfully managed a $50M branch underwriting department. He also had responsibility for national accounts, facultative reinsurance, and commercial auto. |
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International Experience
| Years | Country / Region | Summary |
|---|---|---|
| Years: 1977 to 1979 | Country / Region: Canada | Summary: Was a commercial underwriter in Canada for Auto and Commercial Fire. |
Career Accomplishments
| Licenses / Certifications |
|---|
| Holds the designation AIIC CIC - Certified Insurance Counselor |
| Publications and Patents Summary |
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| Has written articles for several publications including AutoSuccess, Agent & Broker, Industry Week, WardsAuto and Dealer magazines. |
Additional Experience
| Expert Witness Experience |
|---|
| Expert is relatively new to the witness aspect of his career since he has been with top-line carriers his entire career. However, he has had one case where his expertise was sought in an Uninsured/Underinsured Motorist claim. |
| Training / Seminars |
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| He has developed internal company training in several topics. He has also developed an underwriting trainee curriculum and delivered training to recruits from universities. He has also successfully trained producers on underwriting and product and sales for the auto dealer industry. In addition, he is an expert on garage products and has developed several policy forms for garage products. MBA - McColl School of Business, Queens University, Charlotte, NC. AIIC - Associate of the Insurance Institute of Canada. The College of Insurance - Management Program. |
| Vendor Selection |
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| Expert has experience selecting both a business processing outsource (BPO) and software vendors to strategically source the operations and systems for a commercial auto business unit. He has also conducted due diligence on VIN, MVR, and other vendors. |
| Marketing Experience |
|---|
| Expert developed the Travelers Auto Dealer program. In this capacity, he became an expert in auto dealer insurance products including the development of several coverage forms such as Title E&O, Odometer E&O, Prior Damage, Product Defense for the Garage product. He was uniquely qualified to be an expert in the auto dealer and garage product line including the development of underwriting and pricing strategies. |
| Other Relevant Experience |
|---|
| Skilled at agency relationships. Also hands-on knowledge of Word, Excel, and Power Point. |
Fields of Expertise
insurance, insurance compliance, insurance contract, insurance coverage, insurance underwriting, no-fault insurance, underwriting, automobile retailing, casualty underwriting, auto insurance, commercial insurance, experience modification, insurance operations, general liability insurance, business insurance, liability insurance, auditing, operations