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Insurance Premium Audits Expert Witnesses

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Edward J. Priz, CPCU, APA
President
3230 S. Harlem Ave.
Riverside IL 60546
USA
phone: 708-945-7393
fax: 708-442-6010
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Edward Priz Workers Compensation Expert PhotoEdward 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.

Litigation Support - Mr. Priz has been retained by policyholders, insurance agents and brokers, insurance companies, and a premium audit firm as an expert witness in his field, both as a consulting expert and as a testifying expert. He serves as an expert witness to counsel for Plaintiff and Defense and has testified in federal and state courts and arbitrations in California, Colorado, Connecticut, Delaware, Illinois, Florida, Louisiana, Mississippi, Nebraska, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Texas, and Virginia. He is a member of the Forensic Expert Witness Association, and currently serves as Vice-President of the Chicago chapter of that organization.

He is also a member of the Society of Chartered Property Casualty Underwriters, and the National Society of Insurance Premium Auditors.

Mr. Priz has also consulted on the drafting of legislation pertaining to Workers Compensation insurance in Illinois, and has testified on insurance regulation before the Illinois legislature. He is the author of three books on the subject of Workers' Compensation insurance.

Edward Priz Expert Witness Services
Areas of Expertise:
  • Workers Compensation
  • Insurance Premiums
  • Audits
  • Classifications
  • Experience Modification Factors
  • Retrospective Rating
  • Large Deductible Policies
  • Payroll Audits
  • NCCI Manual Rules
  • Insurance Agent / Broker Standards of Care
  • NCCI classification Rules
  • Experience Rating
  • NCCI Rules and Procedures
  • Retrospective Rating
  • Large Deductible Policies
  • Workers Compensation Appeals
  • Agent Errors and Omissions
  • Insurance Auditor Duties and Errors
  • NCCI Inspections
  • Independent WC Rating Bureau Rules
  • View Edward Priz's Consulting Profile.
    11/11/2015 · Insurance
    Employers generally realize that the initial premium they pay for Workers Compensation insurance isn't the final premium for that coverage-Workers Comp is normally subject to an audit after the policy ends, to adjust premium charges based on actual payroll amounts. When the policy starts, after all, payroll amounts can only be estimated for the coming year. So it's routine for employers of any size to undergo a Workers Compensation premium audit, and to receive an audit statement that often seeks some additional premium.

    8/20/2015 · Insurance
    A growing trend for many businesses has been for their customers and prospects to use their experience modification factor as a safety benchmark, requiring a modifier of 1.00 or 1.05 for those bidding on projects. A higher modifier can disqualify a firm from bidding on many projects, particularly governmental projects.

    7/10/2015 · Insurance
    Recently, a former Director of the Illinois Department of Insurance wrote an Op-Ed piece, decrying recently proposed legislation that would require insurers to file changes in Workers Compensation insurance rates with regulators before using those rates with insurers. The proposed legislation would also allow the Department of Insurance to disapprove rates if it was determined they were excessive.

    Edward J. Priz, et al
    An easy to understand guide, written for a general business audience, that explains in detail how Workers Compensation insurance is priced and audited. The Field Guide explains the classification system used by insurance companies, the audit process, experience modification factors, and how and why overcharges occur. Most importantly, it explains in plain language how employers can protect themselves from the common mistakes the insurance industry makes that cause Workers Comp premiums to be higher than they properly should be.
    Edward J. Priz, Scott Priz
    Everything business owners and managers need to know to understand Workers Compensation insurance for their company, including how to reduce premium costs.
    Edward J. Priz, et al
    Many of the rules which determine premiums are understood only by employees in the audit and underwriting departments of insurance companies. The result is a built-in bias in the system which favors higher premiums. CompControl was written by an industry insider -- a consultant who has saved clients more than $4 million in overcharges. His book reveals how the system really works and how you can make it work for you.
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    Burl Daniel
    President
    3880 Hulen, Suite 410
    Fort Worth TX 76107
    USA
    phone: 817-980-4897
    fax: 817-887-5231
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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 attorneys representing policyholder insureds, carriers and third parties. Wide expertise in a majority of Property and Casualty insurance lines was developed over 40+ years. In the legal community he is well-known as responsive to attorney inquiries, depth of insurance experience and attention to detail. Credibility results from methodical analysis, independent research, concise reports and clear-cut answers to deposition and trial questions.

    Mr. Daniel maintains the professional designations CPCU (Chartered Property Casualty Underwriter), CIC (Certified Insurance Counselor), and CRM (Certified Risk Manager) and holds a BBA-Insurance from the University of Texas. His teaching credentials include serving as Adjunct Professor of Insurance with two Texas universities; he holds Property-Casualty and Risk Manager licenses.

    Areas of Expertise:
    • Insurance Agent Error & Omission
    • Insurance Bad Faith
    • Claims Handling Practices
    • Surplus Lines Insurance
    • Commercial Auto Insurance
    • Commercial General Liability
    • Products Liability Insurance
    • Commercial Umbrella Insurance
    • Professional Liability Insurance
    • Directors and Officers Liability
    • Employment Practices Liability
    • Workers Compensation
  • Property Insurance Expert
  • Business Interruption Insurance
  • Boiler & Machinery-Equipment Breakdown
  • Flood Insurance
  • Ocean Marine Insurance
  • Inland Marine Insurance
  • Crime Insurance / Fidelity Bonds
  • Personal Auto
  • Homeowners Insurance
  • Watercraft / Boats
  • Personal Umbrella
  • Mr. Daniel has four decades insurance experience with a diverse set of industries:
    • Contractors - General & Artisan
    • OCIP-CCIP
    • Real Estate
    • Manufacturing
    • Wholesale / Warehousing
    • Retailers
    • Import / Export
    • Oil jobbers
    • Transportation / Truckers
  • Utilities
  • Professional Services
  • Science and Tech Services
  • Computer & Information Technology
  • Non -profit organizations
  • Insurance Companies
  • Banks
  • Agriculture
  • Wildlife Parks
  • 1/23/2012 · Insurance
    Insurance attorneys are busy people! No two cases are the same! Attorneys face weekly court filings, deposition schedules, and courthouse deadlines. Not to mention phone calls and counseling clients on a daily basis.

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    Joe L. Williams, CPCU
    Partner
    4550 Post Oak Place Drive
    Suite 227
    Houston TX 77027
    USA
    phone: 713-275-4003
    fax: 713-275-4004
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    Joe L. Williams, CPCU, partner in PozmantierWilliams Insurance Consultants, LLC, has over 49 years of experience as an Insurance Agent / Broker and Insurance Consultant. From 1970 until 2007, he was a principal shareholder in a large Houston firm, Wisenberg Insurance + Risk Management, and was Chairman and CEO when the firm was sold to a subsidiary of Wells Fargo Bank.

    One of the youngest people ever to receive the CPCU professional designation at the age of 23, Mr. Williams is very familiar with all phases of the insurance industry, including consulting on bad faith, customs and practices, and standards of care. He has particular expertise in property coverage, business interruption, non-subscription, and risk transfer techniques.

    Litigation Support - Mr. Williams provides expert services to counsel representing both Plaintiff and Defense. He offers objective opinions on the following matters:
    • Agent / Broker Bad Faith
    • Insurance Industry Customs & Practices
    • Agent / Broker Standards of Care
    • Coverage Terms and Conditions
    • Agent / Broker Services
    • Insurance Program Design
    • Agency / Company Disputes
    • Claims Management by Agent
    • Insurance Agency Management
    View Joe Williams' Consulting Profile.
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    David L. Stegall, CPCU, ARM, ARe, RPA
    Principal Consultant
    #6 Office Park Circle, Suite 100
    Birmingham AL 35223
    USA
    phone: 855-255-5353
    David L. Stegall, CPCU, ARM, ARe, RPA, has been in the property and casualty insurance industry for 35 years. He has been a local agent, a regional, national and international broker, a wholesale broker, an underwriter and a reinsurer. In 2007 he began serving as an insurance and risk management consultant to commerce, industry and government and as an expert witness in litigation.

    He holds a BA in Communications from Auburn University. His professional designations include: Chartered Property & Casualty Underwriter (CPCU) since 1988, an Associate in Risk Management (ARM) since 1991, an Associate in Reinsurance (Are) since 1999 and a Registered Professional Adjuster (RPA) since 2008. He is a Member of the Board of Directors of the Society of Risk Management Consultants, a member of Society of Chartered Property & Casualty Underwriters and the Registered Professional Adjusters Association.

    David is also a faculty member of 86 Pillars LLC, a Gerson Lehrman Group Consultant, a Thomson Reuters Westlaw Round Table Group Expert, a Guidepoint Global Advisor and a Defense Research Institute Expert Witness.
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    Tommy R. Michaels, CPCU, AIC, ARe, ARM
    PO Box 5236
    Williamsburg VA 23188
    USA
    phone: 860-656-6430
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    Tommy R. Michaels, CPCU, AIC, ARe, ARM is an Insurance Professional with over 45 years of experience in the Property and Casualty Insurance industry.

    Mr. Michaels has worked in the Home Office of a large insurance company determining coverage obligation, providing coverage interpretation, and performing functions of an insurance archaeologist. He has taught insurance courses through Robert Morris College, University of Connecticut, and Society of CPCU, Memphis Chapter.

    Mr. Michaels' experience in claims includes direct handling, supervision of adjusters and other supervisors, claim office administration and development of a system that integrated various technologies to eliminate paper within the claim office. He has unparalleled claim expertise in property and casualty claims developed from his years of direct handling and supervising claim handlers. Mr. Michaels has handled claims in several states including Arkansas, Connecticut, Mississippi, Oklahoma, Pennsylvania, Tennessee, Texas, and West Virginia. He also directly handled all Fidelity and Surety claims in the State of Oklahoma.

    Litigation Support - Tommy Michaels has had the opportunity to do complex claims analysis and negotiate large settlements totaling more than $250,000,000. He has resolved coverage issues, reconstructed decades old policies, and been involved in coverage litigation throughout the United States.

    As an expert witness, Mr. Michaels has provided deposition and trial testimony, prepared expert reports in compliance with FRCP 26(2)(B), and has been used as a Consulting Witness. He has given testimony in over 30 depositions in State and Federal Court cases as well as testimony given at trial.

    Areas of Expertise:
    • Claim Handling Standards
    • Bad Faith Conduct
    • Coverage Interpretation
    • Insurance Carrier Duties
    • Claim Settlement Negotiations
  • General Liability Insurance
  • Automobile Insurance / Uninsured Motorists
  • Homeowner's Insurance
  • Environmental Liability Insurance
  • Professional Liability Insurance
  • View Tommy Michaels' Consulting Profile.