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 Expert  725041

Expert in Agent Standards of Care and Practices, Agency Standards of Care and Practices, Broker Standards of Care, Commercial Insurance, Property Casualty Insurance, Claims Handling and Management.

Available for your Consulting and Expert Witness Needs

Florida (FL)
Education Work History Career Accomplishments Consulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert has over 24 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 16 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 Professionnal LiabilityInsurance 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.

casualty insurance



Expert has been placing directors and officers (D&O) liability insurance for over 24 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.

directors and officers liability insurance


excess and surplus insurance

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 24 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 16 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.



bad faith


title insurance claim

Expert has been responsible for responding to insurance claims from his client's for over 24 years. As an agent trained for over 7 years at the nation's top insurance brokerage firms, followed by 16 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.

insurance claim

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.

liability insurance


errors and omissions insurance


general liability insurance

Expert has been analyzing and placing property insurance for greater than 24 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 prorty/casualty insurance agency for over 16 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.

property insurance


flood insurance


fire insurance

Expert's 24 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 16 years has brought numerous self-insurance plans and policies into force. Additionally, Expert formed a facilitative insurance program at Lloyds 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.

self-insurance plan

Expert possesses more than 24 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 16 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.

workers' compensation

Expert has greater than 24 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 16 years, wherey he has worked with all areas of worjkers 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.

workers compensation claim management


claims made policy


insurance claim handling

Show Secondary and Basic Areas of Expertise
Expert may consult nationally and internationally, and is also local to the following cities: Miami, Florida;  Hialeah, Florida;  Fort Lauderdale, Florida;  Hollywood, Florida;  Pembroke Pines, Florida;  Port Saint Lucie, Florida;  Miami Beach, Florida;  West Palm Beach, Florida;  Pompano Beach, Florida;  and Boca Raton, Florida.

Year   Degree   Subject   Institution   Honors
1984   BBA   Finance   George Washington School of Government and Business Administration   Dean's List
1997   Associate in Risk Management (A.R.M.)   Risk Management Placement and Financial Analysis   Insurance Institute of America  

Work History:
Years   Employer   Department   Title   Responsibilities

2000 to







Founded retail insurance broker for property/casualty covers. Specific expertise in professional liability to include: medical malpractice, professional legal liability, directors and officers cover, architects and engineers, real estate, and miscellaneous errors and omissions insurance. Additional placement of workers compensation and umbrella and excess policies.Placement in all areas of Property/Casualty Insurance. Agency membership in the Florida Association of Insurance Agents, and membership within the Independent Insurance Agencies as a Trusted Choice Agency. Extensive placement of covers with Wholesale Insurance Brokers, and through direct agency contract placements. Members: Professional Liability Underwriting Society (PLUS) 1994-present.

1998 to 2000


Summit Global Partners, Inc.


Commercial Property and Casualty Insurance




Commercial property insurance sales and analysis of various insurance programs.

1993 to 1998


Arthur J. Gallagher & Company


Commercial Property and Casualty Insurance




Commercial property insurance sales and analysis of various insurance programs

Career Accomplishments:

Florida Association of Insurance Agents, Independent Insurance Agents of America, Trusted Choice Agency, Professional Liability Underwriting Society


Associate in Risk Management (ARM)

Consulting Services:
Selected Consulting Examples:
  • 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 Property Casualty 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.
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Expert Witness Experience Summary:
All aspects of expert witness work to include: Testimony at State and County Trials, Depositions, written extended reports with thorough analysis of case, written responses to Interrogatories, analysis of suggested records for Production, meetings and teleconferences with Counsel to discuss Standards of Care and potential breaches.
Recent Litigation Client Requests:
  • Expert witness Directors and officers insurance coverage for consulting on D&O liability policy.
  • Expert for consulting on insurance bad faith claim handling.
  • Flood insurance expert for consulting on standard insurance industry reducing flood coverage.
  • Expert for consulting on Insurance coverage issue and Broker Professional Malpractice.
  • consulting on provide the type of liability insurance coverage.
  • Flood Insurance Expert.
  • Workers compensation claims expert needed for consulting on workers compensation claims processing.
  • Expert in Insurance claim of damaged equipment.
  • Errors and omissions expert for expert litigation on a E&O dispute.
  • Florida workers compensation claim expert for consulting on claims handling practices.
Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

Market Research:
As an agent since 1993, and as a daily retail commercial Property Casualty insurance brokerage operating since 2000, each day is filled with a flow of information relative to the most recent trends of my industry, as relates to standards of care, training, knowledge bases, and other information. I practice and participate in placing insurance for my clients each and every day. Additionally, I am highly involved in the resource materials and association activities of which my agency is a member: the Florida Association of Insurance Agents, the Independent Insurance Agents of America, and the Professional Liability Underwriting society. Each and every one of those organizations is a constant source of trend and update information to myself and my agency, as relates both specifically to my expertise, and the Property Casualty industry in general.

Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:
Other Skills and Services

Eight years as a front line sales executive with excellent standard of care training prior to forming my own Property and Casualty brokerage firm in 2000. As an insurance brokerage operating since 2000, I have daily experience operating as an agent and an agency. My expertise is derived through my experience as a Property Casualty sales producer that began in 1993 and remains as my daily activities continue to be those of an agent and agony today.


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