Insurance (General) Consultants: 22

Frederick J. Fisher, JD, is the President of Fisher Consulting Group, Inc. and was the Founder of E.L.M. Insurance Brokers, a Wholesale & MGA facility specializing in Professional Liability and Specialty Line risks. He is a Member of the Editorial Board for Agents of America; a Faculty Member of the Claims College, and Member of the Executive Council, School of Professional Lines sponsored by the Claims & Litigation Management Association and a course designer and webinar Instructor for the Academy of Insurance. 

Consulting - Since his career began, Mr. Fisher focused on one vision: providing financial security to the client. The result was a successful 40 year career in Specialty Lines Insurance which have resulted in substantial cost savings for clients. He provides consulting and audit services in all areas of Professional Liability, D&O, and EPLI Insurance. This includes Processes, Underwriting, Claims, and Product Distribution. 

Background - In 1975, Mr. Fisher began his career on the service side, as an Independent E&O claims adjuster. In 1982, he bought the Company and increased annual billings by 400% in only 4 years. In 1995, he formed what is now known as ELM insurance Brokers, a firm that has acted as an MGA and Wholesale Broker of Professional Liability Insurance and Specialty Lines. From nothing, the firm grew rapidly to a $30 Million dollar facility when sold in 2008. 

Author and Speaker - Frederick Fisher has lectured extensively on professional liability issues since 1978, and authored over 64 articles in trade journals and periodicals. He is the author of BROKER BEWARE, Selling Real Estate within the Law. Mr. Fisher remains a Special Materials Expert for several RPLU courses and is the Senior Technical Advisor for The Professional Liability Manual, first published by the International Risk Management Institute in 1990. He has taught over 100 CE classes and lectures. Mr. Fisher can be reached at: fjfisher@fishercg.com

View Frederick Fisher's Expert Witness Profile.

Advanced Insurance Management LLC lower Workers Compensation Insurance costs for employers by finding and correcting underwriting and auditing errors in Workers Compensation premium calculations and audits. They consult with employers about Workers Compensation insurance premium audits, classifications, and experience modifiers, double-checking technical issues that directly affect the premium charges made by insurers.

Advanced Insurance Management LLC Consulting Services

Principal, Edward J. Priz, CPCU, APA, has worked full-time in the Insurance Industry since 1976. In 1982, he also began consulting on Workers Compensation insurance issues, and in 1987 established his own consulting firm to specialize in this field, as Advanced Insurance Management. 

Mr. Priz holds the professional designation Chartered Property Casualty Underwriter (CPCU) from the American Institute of Property and Liability Underwriters, as well as the designation Associate in Premium Auditing, from the Insurance Institute of America. As a consultant, 

Mr. Priz has worked with clients both large and small throughout the United States regarding proper Workers Compensation audits, premiums, classifications, experience modification factors, and related technical matters. His consulting clients have included Caterpillar, Bridgestone Tire, Walsh Construction, and the San Francisco 49'ers professional football team, as well as numerous companies in manufacturing, construction, health services, non-profits, and the staffing industry. 

Consulting Expertise:

Premium Audits Classification Codes Experience Modification Factors

Retrospective Rating Large Deductible Policies Insurance Agent / Broker Duties

View Edward Priz's Expert Witness Profile.

MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 40 years. Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals. 

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics. 

Areas of Expertise Include:

• Banking Operations/Administration
• Check Fraud
• Lending Policies, Custom and Practice
• Loan Underwriting & Credit Administration
• Loan Securitizations & Servicing
• Bankruptcy, Foreclosures and Workouts
• Trust & Fiduciary Issues / Operations
• Securities Brokerage & Investments
• Valuations & Damages Analysis
• Forensic Accounting
• Employment / Compensation
• Real Estate Brokerage & Management
• Title Insurance & Escrow
• Real Estate Appraisal & Transactions
• Insurance Industry Custom & Practice
• Insurance Coverages / Claims Handling
• Insurance Bad Faith

 Allan Windt specializes in the areas of Insurance Coverage, Duty to Settle and Bad Faith. In over 30 years in the insurance business, he has handled more than 10,000 claims for more than 70 insurance companies and hundreds of insureds in all 50 states. Mr. Windt has served as an expert witness in dozens of states. He is the author of Insurance Claims & Disputes, Representation of Insurers and Insureds, West, 1982 first edition, 1988 second edition, 1996 third edition, 2001 fourth edition, and 2007 fifth edition. Mr. Windt's books have been cited as authoritative by more than 300 courts throughout the country.

Paul F. Amoruso, CPCU, has more than 45 years of experience working for several major insurance carriers as a Senior Vice President of Claims and Operations. As a licensed insurance agent in Massachusetts, Connecticut, Florida, an New Jersey and licensed public adjuster, he is uniquely qualified to assist either plaintiff or defense attorneys on insurance related issues on local or national issues.

If you are an insurance company, insured, or law firm and need an independent review of an insurance issue regarding litigation, agency or company operations, practices or procedures, he is available to assist.

Mr. Amoruso has served as an Expert Witness in many states in both State and Federal court . Having worked in all operation areas of the insurance industry he is able to testify to the generally observed and accepted industry practices.

Areas of Expertise:

• Insurance Customs and Practices
• Company Policies
• Management Involvement
• Proper Staffing
• Coverage Denial
• Agency and Insurance Company Relationships
• Case Evaluation
• Reserve Policies
• Workers Compensation
• Liability Personal or Commercial
• Commercial and Personal Property Losses
• Authority Level
• Industry Ethics and Norms
• Bad Faith
• Claims Handling Practices
• Insurance Company Operations

Barrington Capital Management, Inc. provides customized financial solutions for unique financial challenges and objectives. Their expertise is in the development, implementation and ongoing management of a customized and diversified investment strategy. Barrington's mission is to assist in building, enhancing, and protecting personal wealth and maintaining financial security. 

President and Chief Executive Officer, Bob Lawson, has over 35 years of financial services experience as an Investment Advisory and Insurance Agency Executive, Securities Principal, and Options Principal. Bob proudly serves as an industry arbitrator for the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA), a Certified Fraud Examiner (CFE), ERISA (3)-21 Fiduciary, Master Registered Financial Consultant, and an Accredited Investment Fiduciary. In addition to teaching advanced investment strategies and Retirement Planning classes throughout the year. 

Bob Lawson has special expertise in stock options and has presented the following Options Industry Council (OIC) seminars to retail and industry professionals throughout the United States:

Options Basics Options Intermediate Advanced Options

Covered Calls Options Spreads Option Volatility

View Bob Lawson's Expert Witness Profile.

  

CMC Advisors Inc. (CMC) provides expert Insurance Consulting and offers clients the upper hand in managing their assets and liabilities. They assist clients in managing investment portfolios by helping to determine if current Financial Retirement plans such as IRA, Roth IRA, Rollover IRA, 401(K), Keogh Plans, Pensions and Profit Sharing Plans are meeting retirement goals. Consulting Areas:

Annuities Life Insurance Term Insurance Single Premium Variable Insurance

Retirement Disability Insurance Consultant Expert Witness Services

Wayne Citron has 45 years of experience as an expert in Forensic Reconstruction of Insurance Transactions. He is an insurance expert and consultant. Mr. Citron established the Citron Agency and CMC Advisors Inc. in 1972, where his duties included executive and managerial responsibilities, sales, service, compliance with all insurance matters as well as securities laws and regulations. Both firms are leaders in life, health, disability and property and casualty insurance. Mr. Citron has served as an instructor for Prudential Insurance Company Brooklyn Agency (1973) educating personnel in general insurance matters, underwriting, and insurance law. He has worked with companies including Prudential Insurance Company, United States Life Insurance Company, North American Company for Life and Health Insurance, American General Life Insurance Company, William Penn Life Insurance Company, American Life Insurance Company, Chubb Insurance Company, Travelers Insurance Company, Mass Mutual Insurance Company, John Hancock Insurance Company, and American International Group (AIG), among other. Mr. Citron recently volunteered for Ocean County Long Term Recovery Group (OCLTRG) to reopen Super Storm Sandy flood claims and examine National Flood Insurance Policies, as well as deal with FEMA in these matters (2015 & 2016). View Wayne Citron's Expert Witness Profile.

Gulf Coast Risk Management (GCRM) provides research, analysis, and advice to commerce, industry, government and individuals, property managers, and general contractors regarding Insurance Placement, Interpretation, and Recommended Contractual Insurance Requirements, while explaining the relationship and alignment with indemnity and insurance provisions. 

GCRM operates COIs R Us, a certificate of insurance (COI) compliance and tracking company. COIs R Us compares the contractual obligations of a lease agreement with the COI. COIs R Us processes thousands of COIs for landlords and general contractors for compliance annually.

Business Consultant Services

Certificate of Insurance Tracking and Compliance Insurance Renewal Negotiations

Risk Manager Services Start Up Business Services

Certificate of Insurance Tracking - No More Excel

Scott S. Margraves, CIC, has over 32 years of Commercial Property and Casualty Insurance experience. He is the Principal Consultant and Founder of GCRM.  Mr. Margraves is well-versed in the placement of insurance policies from an insured's perspective. As a front-line producer, he weathered five major hurricanes, three “five-hundred-year floods” and multiple catastrophic fire claims. 

Agency roles include insurance broker, claims supervisor, agency partner, and risk manager. He is Past President of the Independent Insurance Agents of Houston, Past Vice Chairmen of IIAT IMPACT Region 10, Member of Insurance Academy, and Lifetime Committeemen for the Houston Livestock Show and Rodeo.

Mr. Margraves started his second career as a full-time consultant in 2021. He is an insurance industry expert that brings extensive experience in all aspects of property casualty insurance interpretation, policy forms, claims, safety programs, HR coordination and contract integration.

View Scott S. Margraves' Expert Witness Profile.

Huggins Actuarial Services, Inc is a full-service independent consulting firm with more than 100 years of experience providing innovative and clever solutions to a wide range of Actuarial and Risk Management Challenges. They offer a wide range of tactical consulting services providing valuable assistance in the day-to-day operation of your firm, as well as strategic consulting to inform decision-making on matters of extreme gravity.

Huggins employs leading professionals, having the combination of strong analytical skills, business knowledge, and understanding of human behavior to identify, measure, and manage risk. The firm has a reputation of actuarial excellence and a proven track record providing clients with the information and vital services they need to succeed. 

Huggins actuaries have issued more than 600 loss reserve opinions to date, and counting. Credentialed actuaries on staff average over 25 years of experience and have reached top levels of achievement in the actuarial profession, including Chief Actuaries of large multi-line national insurance companies and Partner of Big Four accounting firms Their Integrated team approach provides the highest quality work in a timely fashion.

Consulting Services:

Loss Reserving Enterprise Risk Management Appointed Actuary Economic Capital Modeling

Rate Making & Product Development Individual Claims Simulation Model Captive Feasibility Study Warranty and Other Accruals

Ronald T. (Rusty) Kuehn is a Consulting Actuary with Huggins Actuarial Services, Inc. and a Fellow of the Casualty Actuarial Society and the Conference of Actuaries in Public Practice, a Member of the American Academy of Actuaries and the International Actuarial Association. In addition, Mr. Kuehn holds the Chartered Enterprise Risk Analyst (CERA) designation, the Chartered Property-Casualty Underwriter (CPCU) designation, and the Associate in Risk Management (ARM) designation.

Mr. Kuehn is professionally active; he has served as the chairman of the Casualty Loss Reserve Seminar (CLRS), which is jointly sponsored by the Casualty Actuarial Society (CAS), the American Academy of Actuaries and the Conference of Consulting Actuaries. He has also served on the on the Casualty Practice Council of the American Academy of Actuaries, the CAS Examination Committee and Committee for Consultants’ Interests, and as past President, Education Chairman and Board Member of the Casualty Actuaries of the Mid-Atlantic Region (CAMAR).

In addition, Mr. Kuehn has served on the Insurance Services Office Private Passenger Automobile Subcommittee and the Homeowners Subcommittee. Mr. Kuehn has also served as a Member of the Conference Task Force on Public Policy Debate of the Conference of Actuaries in Public Practice. He currently serves on the Board of the Insurance Society of Philadelphia (ISOP), and he is a member of the ORSA subgroup of the ERM Committee of the Risk Management and Financial Reporting Council of the American Academy of Actuaries. His over 45 years in business have given him a thorough knowledge of the property-casualty business both from a company and consulting viewpoint. See Full Bio and Consulting Experience.

Grover M. Edie, MBA, FCAS, MAAA, CERA, CPCU, ARM, ARP, is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, a Certified Enterprise Risk Analyst, a Chartered Property Casualty Underwriter, an Associate in Risk Management, and an Associate in Research and Planning. 

Prior to joining Huggins, Mr. Edie was Vice President and Chief Actuary at GMAC Insurance Company, where he oversaw all actuarial activities including pricing, loss reserving, and enterprise risk management in personal auto, commercial lines, auto extended service contracts, assumed reinsurance and other miscellaneous lines of insurance. He introduced Economic Capital Modeling to the organization during his tenure. His previous employers include Erie Insurance Group, John Deere Insurance, and the Insurance Services Offices.

Mr. Edie has over 25 years of actuarial experience. He started his insurance career as an underwriter. The primary services Mr. Edie provides to his clients includes Economic Capital Modeling, Enterprise Risk Management, profitability analysis, rate level reviews and filings, and loss reserve analysis. See Full Bio and Consulting Experience.

Kim E. Piersol, FCAS, MAAA, is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Prior to joining Huggins, he served as Senior Vice President & Chief Actuary for Crum & Forster Insurance Companies. Prior to that he served as Group Vice President & Chief Actuary for CNA Insurance Companies, and was a consulting actuary for KPMG LLP, Arthur Andersen LLP, and CFO of AIG Risk Management (AIGRM). 

Mr. Piersol is professionally active; he has served on the American Academy of Actuaries Environmental Liabilities Work Group, the NAIC Technical Advisory Committee on Catastrophe Reserves, the Workers’ Compensation Reinsurance Bureau Actuarial Committee, and has been a Director and Treasurer of the Professional Liability Underwriting Society (PLUS). He also served on the Professional Liability Actuarial Subcommittee of the Insurance Services Office (ISO). He has also served as a 1st Lieutenant in the United States Army Field Artillery. His over 40 years in the actuarial field have given him a thorough knowledge of the property-casualty business both from a company and consulting viewpoint. See Full Bio and Consulting Experienc.

View Huggins Actuarial Services, Inc.'s Expert Witness Profile.

Indian River Construction Services, Inc., offers many services to Home Owners, Home Owner Associations, Property Managers, and Building Owners. The most licensed construction firm in the state of Florida, they consult on project and building plans to help determine suitability, feasibility and cost controls for:

New Construction - Construction Repairs - Construction Additions - Construction Remodeling - Real Estate Improvements

Indian River Construction also has extensive experience in performing Insurance Adjusting Services as Florida Licensed Public Insurance Adjusters. This means they work for you and not for the insurance company, allowing them to get the best possible insurance settlement from insurance claims, whether that be a fire, flood, or hurricane. 

Andrew Allocco, PE, Principal at Indian River Construction Services is a leading Construction Consultant, Florida Licensed Public Insurance Adjuster, and Real Estate Broker. With over 45 years of experience in his fields of expertise, Mr. Allocco's services are sought by individuals, corporations, developers, and law firms to oversee and advise on construction projects. He is the current owner of construction, real estate, and engineering consulting firms.

Background Experience - Mr. Allocco is the President of Indian River Construction Services, Inc. Prior to his current role, he served as the President of Better Homes Construction Services, Inc. of Miami, Florida, which performed in excess of 40,000 Building Inspections. A Forensic Consulting Engineer, he inspects Commercial, Residential, and Industrial Facilities before, during, and after construction. He assists property owners with complex insurance claims, some of which involve significant and lengthy litigation

Mr. Allocco is not only licensed in the State of Florida as a Professional Engineer and Licensed Public Insurance Adjuster, he holds more licenses both presently active and past than any other individual in the State, including:

BA, SUNY Maritime College, Marine Nuclear Engineering Florida Licensed Professional Engineer Florida Certified General Contractor Florida Certified Mechanical Contractor Florida Certified Air Conditioning Contractor Florida Certified Roofing Contractor

Florida Certified Plumbing Contractor Florida Certified Electrical Contractor Florida Certified Commercial Swimming Pool & Spa Contractor Florida Licensed Home Inspector Florida Licensed Solar Contractor Florida Licensed Real Estate Broker

View Andrew Allocco's Expert Witness Profile.

Ivan E. Cohen, RF, ARM, CRM, CIC, AIC, AAI, MLIS, CRIS, is a nationally recognized Insurance Expert with 44 years of Insurance and Risk Management experience.

In 1979, he opened his own agency where he still serves as president. Mr. Cohen has also been an Insurance educator for 41 years, serving as a senior adjunct professor at Westchester Community College in the Banking, Insurance, and Real Estate curriculum, and also on the curriculum advisory committee. He has taught for the Risk and Insurance Management Society, The National Alliance, Professional Insurance Agents of New York, Connecticut and New Jersey, Independent Insurance Agents and Brokers of New York, and provides training and continuing education courses for agencies and companies. 

Mr. Cohen is a member of the Global Risk Management Institute, an associate member of the Risk and Insurance Management Society and holds the distinction of being a RIMS Fellow and has been a contributing insurance columnist for Risk Management Magazine.

Mr. Cohen delivers presentations and seminars throughout the country on topics including: 

Errors & Omissions - Agency Management - Risk Management - Law & Ethics - Casualty Coverage - Property Coverage

View Ivan Cohen's Expert Witness Profile.

Janice A. Ramsay founded the law firm of Ramsay and Johnson, ALC in 1984. She merged her practice and that firm with Berger Kahn LLC in 1999. Since the late fall of 2007, she has primarily worked independently as an expert witness and consultant to other attorneys.

During her career, Ms. Ramsay has given advice on coverage questions, underwriting procedures, rescission rights, claims handling, and insurers legal and policy obligations. She is experienced with both commercial and personal lines policies. Ms. Ramsay is familiar with the business of insurance and the legal framework of that business and has performed the procedures that are unique to the claims process such as examinations under oath, and appraisals. She has drafted or revised insurance policies for several insurance companies and has handled coverage litigation.

Litigation Support - Ms. Ramsay has been retained in over 150 matters as an expert work during her law practice beginning as early as 1989. She has testified frequently in both deposition and trial on the standards and practices of the insurance industry. She has testified for insurers, insureds,brokers, and agents.

Types of Losses:

Fire Losses Organized Insurance Fraud Landslides Earthquakes Water Damage / Mold Defective Construction

Latent Defects Riots Acts of Civil Authority Business Interruption Suit Limitation Issues Mortgagee Rights

Speaking Engagements - Ms. Ramsay has frequently been a speaker and/or panelist for the Orange County Bar Association, PLRB Annual Conference, the Combined Claims Conference, and many more. She has also given in-house seminars for several insurers.

JB Aviation, LLC is an Aviation Management consultant company specializing in professionally guiding and accommodating domestic and international Cessna Citation owners and operators. They have over 37 years of experience in worldwide corporate aviation including destinations with a number of North Atlantic and Pacific ferry crossings.

JB Aviation has maintained a full-service training agreement with FlightSafety International since 1998, and hold themselves and their employees to the highest standards with a subscription to Air Training International and a NADE (National Association of Drug-Free Employees) membership.

Client Services:

Professional Pilot Services - International, Domestic Cessna Citation Crew Mentoring - IOE and SOE Cessna Citation Crew Support Flight Department Development Aircraft Evaluations and Deliveries

Avionics Systems and Crew Training Aircraft Cost Analysis Owner Trustee Aircraft Acceptance Flights and Deliveries General Aviation Expert Witness

Principal, John R. Bell, II, is an Aviation Management Consultant who offers Professional Pilot Services. His background includes 35 years of experience in corporate aviation development, implementing and managing the needs of various companies and individuals.

Mr. Bell’s background experience since 2000 has included a number of international ferry flights with North Atlantic and Pacific crossings. He has supported a number of operators in Indonesia, Malaysia, and South Korea. The support he has provided includes qualifying their crewmembers (IOE/SOE) to meet their Air Taxi requirements as per Civil Aviation Authority (CAA) and qualifying their Flight Attendants.

View John Bell's Expert Witness Profile.

Jeffrey D. Diamond specializes in Insurance Coverage Disputes and Litigation. He has established his law firm as one of the premier Insurance Coverage law firms in the Metro Atlanta area on behalf of policyholders, as well as throughout the State of Georgia and, as he was initially admitted to the State Bar of California in 1978, he serves policyholders in California, as well. 

In addition to his full time law practice, Mr. Diamond has served as an Adjunct Professor of Insurance Law since 1995 in both California and Georgia, having joined the Georgia State University College of Law faculty in 2009 as an Adjunct Professor of Insurance Law and, in 2012, he joined Atlanta’s John Marshall Law School in a similar capacity. 

Mr. Diamond  is also a law instructor for the National Association of Certified Valuators and Analysts (NACVA), a national educational organization which conducts continuing education programs for financial professionals across the country, teaching in NACVA’s Expert Witness Bootcamp program. Mr. Diamond has been an invited guest speaker on topics of interest at numerous insurance conferences throughout the country. 

Over his 37 year career, Mr. Diamond has successfully represented policyholders, and formerly Insurance companies, in a wide variety of insurance coverage and bad faith actions including:

• Business Insurance Litigation
• Homeowners Insurance Litigation 
• Construction Defect Litigation
• General Business Property and Liability Claims
• Long Term Disability Claims
• Life Insurance Claims

 Litigation Support - Mr. Diamond's experience as an insurance litigator and insurance law professor allows him a unique perspective as a consulting expert witness. His extensive knowledge of insurance law and keen insights into insurance policy interpretation, as well as the covenant of good faith and fair dealing under each State’s insurance related statutes and case law, make him an exceptional consulting expert witness with regard to insurance coverage disputes and issues concerning insurance bad faith issues.

 View Jeffrey Diamond's Expert Witness Profile.

Jim Leatzow has 46 years of "hands-on" practical, property / casualty insurance agency experience. Leatzow has literally worn "every hat there is to wear in the P/C insurance business. He provides expert & arbitration services nationally & internationally with no charge for travel time. He is articulate, efficient & equally comfortable within the U.S. & in foreign venues. His experience includes:

• 46 years national Property/Casualty insurance industry experience
• 30 years national, Property/Casualty insurance Agency Owner
• 23 years national, Property/Casualty Managing General Agent (MGA)
• 20 years national, Third Party Administrator (TPA) insurance claim adjuster
• 26 years Reinsurance experience & Company Founder/President
• 17 years Certified insurance Arbitrator (U.S. / U.K. / Bermuda) 
• 55 years Licensed Pilot with Commercial, Instrument, Multi & Seaplane Ratings 
• Still licensed in Illinois (46 years) & Wisconsin (38 years) 
• Licensed in all states for 20-25 years until 2005 (agency sold)
• Rule 26 Report specialization on complex cases 
• Bad Faith Expert qualified nationally 
• History of representing plaintiff & defense equally
• No charge for travel time "coast to coast"

Leatzow's specialties include: Agent-Broker-MGA standards of care / Bad Faith / Coverage / Agent-Broker E&O Claims / Agent-Broker custom & practice / Professional (E&O) Liability / Claims Adjusting Standard of Care / Claims-made coverage / Surplus Lines issues / Underwriting / Licensing / Property / General Liability /Aviation Insurance