Maritime Insurance Expert Witness

Summary

Expert 1363 is an insurance company executive with regional and home office expertise with regards to life, health, property, casualty and allied lines of insurance. 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, cyber insurance and insurance agents professional liability.

Qualified by federal and state courts as an insurance expert.

Designated as a Certified Insurance Counselor by the Society of Certified Insurance Counselors; designated as a Certified Risk Manager by Certified Risk Managers International; and designated as a Certified Personal Risk Manager by the Council for Insuring Private Clients.

Faculty member of and Education Consultant for the National Alliance for Insurance Education and Research.

EDUCATION

Jacksonville University, Jacksonville, Florida
Graduated May 1973
B.S. Business Administration

Langley High School, McLean, Virginia
Graduated June 1968

WORK HISTORY

President 6/93 to Present
A Private 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 and law firms, including expert witness testimony, consultation, education, drafting insurance policy provisions, underwriting guidelines, processing procedures, and development/filing of rate and forms.

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 $2,500,000.

Lectures and teaches education classes National Alliance for Insurance Education and Research, various state professional associations affiliated with Professional Insurance Agents Assn & Independent Insurance Agents Assn. and independent insurance agencies.

President 1/93 to 6/93
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 (PRO-LAW II)

Vice President – Administration 1/89 to 1/93
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

Vice President – Underwriting and Sales 3/88 to 1/89
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 (PRO-LAW®)

Vice President 2/86 to 3/88
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 for “Dealer 20” groups.

Divisional Executive Assistant 11/83 to 2/86
Universal Underwriters Insurance Company Universal Underwriters Life 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.

Divisional Underwriting Manager 1/81 to 11/83
Universal Underwriters Insurance Company Universal Underwriters Life 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 and life 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
Development of “Universal Life” Whole Life Product

Regional Underwriting Manager 12/77 to 1/81
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

Assistant Underwriter 8/76 to 12/77
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

Loss Control Engineer 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.

Insurance Adjuster & Property Appraiser 8/73 to 2/74
Crawford & Company Insurance Adjusters
Jacksonville, Florida

Claims adjusting property, casualty and workers compensation losses. Dwelling and light commercial building appraisals.

Insurance Adjuster 5/73 to 8/73
Crawford & Company Insurance Adjusters Way cross, Georgia

Claims adjusting property, casualty and workers compensation losses.

Insurance ~ Professional Designations

Certified Insurance Counselor

Commercial Casualty
Personal Lines
Life Insurance
Agency Management
Commercial Property
Insurance Company Operations

Certified Risk Manager

Practice Of Risk Management
Financing of Risk
Control of Risk
Principles of Risk Management
Analysis of Risk

Certified Personal Risk Manager

Personal Client Risk Management
Understanding Coverage Differences
Evaluating/Protecting Lifestyles
Practical App. Personal Risk Mgt
Winning The Business

Marine Insurance Specialist

Marine Related Courses

• Basic Boating United States Power Squadrons
• Piloting United States Power Squadrons
• Seamanship United States Power Squadrons
• Advanced Piloting United States Power Squadrons
• Marine Weather United States Power Squadrons
• Marine Insurance United States Power Squadrons
• Marine Electronics United States Power Squadrons
• Engine Maintenance United States Power Squadrons
• Instructor Qualification United States Power Squadrons
• Sail – Basic United States Power Squadrons
• Sail – Advanced United States Power Squadrons
• Cruise Planning United States Power Squadrons
• Leadership Development United States Power Squadrons
• Operator of Uninspected Passenger Vessels United States Coast Guard/Sea School
• Master of Motor Vessels 100 Gross Tons United States Coast Guard/Sea School

Insurance Related 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
• Florida 6-20: All Lines Insurance Adjuster Licensed to Investigate, Adjust and Pay Insurance Claims
• Georgia: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• Alabama: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• California: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty and Surety
• Mississippi: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty and Surety
• Montana: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• North Carolina: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• South Carolina: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• New York: Nonresident
  Licensed for Solicitation, Consultation, and Claims Adjusting Property, Casualty, Surety and Life
• Continuing Education Statute – In Compliance Law & Ethics – Current
  Long Term Care – Current
• Property & Casualty Instructor – State of Florida
• Property & Casualty Instructor – State of Michigan
• Property & Casualty Instructor – State of New York
• Property & Casualty Instructor – State of Idaho
• Property & Casualty Instructor – South Dakota

Licenses

• Airman’s License – Federal Aviation Administration
• Instrument Endorsement
• Complex Aircraft Endorsement
• High Performance
• Aircraft Endorsement
• Acrobatic Endorsement
• Seaplane Rating
• Maritime License – Instructor – State of Florida
• Instructor – United States Power Squadrons
• Marine Vessel Examiner – United States Coast Guard
• Maritime License – Master 100 Gross Tons – United States Coast Guard
• Educational Proficiency Award – United States Power Squadrons

Civic Service

• Administrator – Central Florida Sail & Power Squadron Insurance Program
• Interfaith Counsel of Central Florida Executive Committee
• Commander – United States Power Squadrons
• On-Air Talent

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
• Managing Management Time William Oncken Corporation
• 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 Florida Insurance School
• Insurance Agents Professional Liability Florida Insurance School
• Time Element Insurance Florida Insurance School
• Disability Income Insurance Florida Insurance School
• Commercial Lines Insurance Florida Insurance School
• Insurance Agents Professional Liability Loss Prevention Florida Insurance School
• Personal Lines Risk Management Florida Insurance School
• Ethics in Claims Management Vernis & Bowling
• Legal Claims Handling Review Vernis & Bowling
• Surplus Lines Law & Procedures Florida Surplus Lines Service Office
• Surplus Lines Law & Mitigation Florida Surplus Lines Service Office
• Long Term Care Florida Insurance School
• Agent’s Guide to Legal Liability and Litigation Trends National Alliance Insurance Education & Research
• Agency Management Based Errors and Omissions Prevention National Alliance Insurance Education & Research
• Estate and Small Business Planning North American
• Legal Responsibility of Insurance Agents Florida Insurance School
• Insurance Statutes, Rules & Regulations Florida Insurance School
• Florida Statutes as Applied to Insurance Agents Florida Insurance School
• Time Elements Coverage Florida Insurance School
• Disability Income Florida Insurance School
• Errors & Omissions: Agency Management Florida Association of Insurance Agents
• Personal Lines Risk Management Florida Insurance School
• Commercial Lines Insurance & Frequently Asked Questions Florida Insurance School
• Errors & Omissions: Loss Prevention Florida Insurance School
• Insurance Statutes, Rules & Regulations Florida Insurance School
• Senior Health Care Florida Insurance School
• Florida Surplus Lines Services Office Florida Association of Insurance Agents
• Legal Responsibilities of Insurance Agents Florida Insurance School
• Florida Insurance Statutes Florida Insurance School
• Group Insurance: Pensions Florida Insurance School
• Personal Auto: No Fault Florida Insurance School
• Homeowners Insurance Florida Insurance School
• Employment Practices Liability Insurance Markel Service
• Surplus Lines Law & Procedures Florida Surplus Lines Service Office
• Ethics in Claims Management CEU Institute
• Legal Claim Handling CEU Institute
• Graduate Studies Seminar I National Alliance for Education & Research
• Graduate Studies Seminar II National Alliance for Education & Research
• Graduate Studies Seminar III National Alliance for Education & Research
• Risk Management Seminar – Advanced National Alliance for Education & Research
• Legal Concepts National Alliance for Education & Research Ethics for Insurance Professionals: Advanced 360 Training
• Do You Know the Code: Florida’s Surplus Lines Law Florida Surplus Lines Service Office
• Premium Discounts/Mitigation Florida Insurance School
• Suitability of Annuity Florida Insurance School
• Long Term Care Insurance American Assn of Insurance & Financial Professionals
• Suitability Florida Insurance School
• Premium Discount for Hurricane Loss Mitigation Sandy Kruise Insurance Training
• Patient Protection & Affordable Care Act Richard’s Education Services
• Senior Suitability of Annuities and Life Insurance Richard’s Education Services
• National Flood Insurance Program National Flood Services Long-term Care Review WebCE
• Life & Health: Law and Ethics Florida Insurance School
• Anti-Money Laundering Training LIMRA