Arthur J. Levine, Ph.D., J.D., CPCU, ARM has over 35 years of of combined experience as a Business Insurance Underwriter, Risk Management Consultant, Attorney, Litigation Consultant and Expert Witness. His areas of expertise include Workers Compensation Insurance Premium, Rates, Classifications, Experience Modifications, Audits and related matters. He has a Ph.D., J.D., (practicing attorney), is a Chartered Property Casualty Underwriter and an Associate in Risk Management.

Dr. Levine is currently Independent Counsel to the four Public Members of the Governing Committee of the WCIRB and has been since 2003. As an experienced Testifying Witness and Consultant, he has handled hundreds of Workers Compensation Insurance Premium Cases handled as an attorney, consultant, or expert witness, including many administrative appeals and litigated cases. Dr. Levine is a noted author in the field of Insurance.

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Burl Daniel, CPCU, CIC, CRM entered the Insurance Industry in 1973 and was an Insurance Agency Principal for twenty three years. He is retained as a Property and Casualty Insurance Expert Witness by defense and plaintiff counsel. His career includes broad expertise across all lines of Property and Casualty insurance. Burl Daniel Associates is well-known in the legal community for responsiveness to attorney inquiries, depth of insurance knowledge and attention to detail. Their methodical case analysis, independent research and concise presentation of opinions results in credibility with juries and the courts. Representative industries include clients in Construction, Energy, Transportation, Manufacturing, Technology, Financial Institutions, Non-Profits, and Import/Export.

Mr. Daniel has the requisite knowledge to render opinions in the following areas of expertise:

Insurance Coverage Expert Insurance Agent (Broker) Error & Omission Insurance Bad Faith Commercial Auto Insurance Workers Compensation Commercial General Liability Insurance Product Liability Insurance Commercial Umbrella Excess & Surplus Lines Insurance Personal Auto and Umbrella Professional Liability (Errors & Omissions)

Claims Made Insurance Directors & Officers Liability Insurance Employment Practices Liability Property Insurance Expert Boiler & Machinery / Equipment Breakdown Business Interruption / Business Income Flood Insurance Inland & Ocean Marine Insurance Crime Insurance / Fidelity Bonds Reinsurance Claims Handling Custom & Practice

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Brian E. Gagan has over 45 years of experience in Insurance Underwriting, Marketing, Brokerage and Consulting for corporations and government.

His Consultation and Expert Witness Services are in the area of Insurance Litigation, including broker/agent standard of care, coverage interpretation (property and casualty coverages), construction defect, disputed premiums (dividends and retrospective rating adjustments), duty to defend, lost policies, and rescission due to misrepresentation.

Mr. Gagan has served as an Expert Witness in over 50 cases on property and casualty insurance matters, with deposition and trial experience for plaintiff and defense.

Expertise:

Property Insurance

Crime Insurance

Liability Insurance

Professional Liability Insurance

Miscellaneous Insurance

Workers' Compensation

Underwriting Solutions, LLC, is a consulting firm with expertise in the Mortality Risk Management niche of the Life Insurance Industry, Structured Underwriting Data Mining, Outsourced Expert Life Underwriting Services, and Expert Life Underwriting Audit Services.

Areas of Expertise include:

• Management advisory consulting on offshore life insurance markets in Central and South America
• Operational Assessment & Business Continuity Planning
• New Business / Underwriting Process Strategy
• Outsourced Underwriting
• Business and Information Technology Strategy & AssessmentRisk Management & Classification Techniques
• New Business and Reinsurance Audits
• Telecommunications and Call Center Development
• Underwriting Policy Development
• Underwriting Manual revisions
• Straight Through Processing (STP) consulting work

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