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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William P. Hight, JD, CPCU is an Insurance Expert Witness with over three decades of experience in private law practice, devoted to coordinating and overseeing Claim Investigations for dozens of insurance companies in 9 western states, providing hundreds of property and liability policy interpretations, and resolving coverage, valuation and good faith issues in litigation, mediation and appraisal.

Mr. Hight has been retained as an Expert Witness in first and third party claims by clients of over 30 law firms, testifying for both policyholders and insurers. He has prepared over 45 written expert opinion reports, compliant with FRCP 26 requirements. Augmenting his professional training and experience, Mr. Hight was awarded the Chartered Property Casualty Underwriter designation in 1990.

Areas of Expertise:

• Insurance Bad Faith
• Reasonableness of Settlements
• Reasonableness of Policy Interpretations
• Coverage Denial and Claim Handling
• Insurance Fair Conduct Act
• Reservation of Rights Defense

Disclaimer: The CPCU professional designation is awarded by the American Institute for Chartered Property Casualty Underwriters. The Supreme Court of Washington does not recognize certification of specialties in the practice of law, and the designation is not a requirement to practice law in the state of Washington.

Insurance Expert Network, LLC (IEN) is a network which includes over 200 highly qualified, reliable Insurance Experts with Litigation Management, Insurance Industry, and Expert Witness experience. Staffed by Insurance Industry Professionals, they easily discern requisite skills necessary to properly and fully support the Client. IEN is the only referral service providing insurance experts exclusively.

IEN provides experts for both plaintiffs and defendants

The experts in IEN are dedicated to their critical role in litigation, whether it be educating counsel on nuances of insurance, assisting attorneys in determining the merit of a case, testing potential evidence or testifying in a deposition or trial.

IEN provides in-depth knowledge of the Insurance Industry and maintains a listing of over 120 Specialized Insurance Areas. The following is a sample of these areas:

Actuary Automobile Insurance Bad Faith Binders Business Interruption Captives Construction Defects Credit Insurance Directors & Officers Excess & Surplus Lines Fidelity Fraud General Liability

Insurance Accounting Insurance Business Processes Life & Health Insurance Marine Insurance Misrepresentation Producer Errors & Omissions Producer Standards & Practices Production Development Professional Liability Property Insurance Regulatory Compliance Reinsurance Surety Workers Compensation

View the Complete List of Specialized Insurance Areas

The IEN Advantage:

1. There is no charge for referrals.
2. Generally, a nationwide search and subsequent referral can be completed within 48 hours.
3. To assist the attorney with the selection process, IEN provides a case-specific statement of qualification from each potential expert.
4. IEN personnel are highly experienced and knowledgeable about insurance.

Jim Leatzow has 36 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:

36 years of insurance industry experience

30 years as a national, property/casualty insurance agency owner

26 years as a national, property/casualty Managing-Underwriting General Agent MGA

21 years as a national, Third Party Administrator (TPA) insurance/construction claim handler

16 years as an active Reinsurance Company officer

Certified insurance & reinsurance arbitrator (U.S. / U.K. / Bermuda)

Certified commercial arbitrator globally (Chartered Institute of Arbitrators U.K.)

Licensed nation-wide for 25 years until 2005 (agency sold)

Recognized for the quality of his Rule 26 Reports on complex cases

History of representing both plaintiff & defense

No charge for travel time "coast to coast"

Leatzow's specialties include:

Agent-Broker-Agency-MGA standard of care / Bad Faith / Broker E&O Claims / Coverage / Insurance placement / Agent - Broker custom & practice / Surety / Professional Liability / Adjudicating construction industry E&O claims / E&O / D&O / Claims-made coverage / Fronting / Claims-made trigger / Surplus Lines coverage / "Program" business / Underwriting / Licensing / Claims handling standard of care / Property / General Liability / Premises Liability / Products Liability / Off-shore placements / Arbitration

Daryll W. Martin - Unique Professional Experience as a Lawyer, Insurance Broker and Insurance Brokerage Executive. Mr Martin has over 24 years of insurance experience, serving nearly half of that time as corporate counsel for two international brokers, and the other half of that time as a senior insurance brokerage executive.

Broad Coverage Experience: Property & Casualty; Employee Benefits / Life & Health (qualified and non-qualified); D&O / Employment Practices Liability / Fiduciary; Property / Business Interruption / Boiler & Machinery / Inland & Ocean Marine; Casualty: General Liability / Professional Liability / Workers Compensation / Umbrella / Excess.

Broad Brokerage Customer Industry Experience: Construction; Energy; Transportation; Manufacturing; Financial Institutions; Health Care; Public Entity / Not For Profit; and, Technology

Extensive Insurance Industry Operational Experience: Executive officer of nationally ranked insurance brokers; Managed and handled a variety of international, national, and middle market accounts; Self Insurance / Large Retentions / Alternative Risk Transfer Vehicles; Foreign Placements; Wholesale Brokerage; Insurance Underwriting; Reinsurance; Technical Services / Loss Control / Actuarial/Risk Management Consulting; Actuary Services / Actuary Liability; Insurer Solvency / Market Security; Finance and Accounting; Mergers & Acquisitions; Insurance Sales; Client Service Standards; Technology Infrastructure; Human Resource Management; and, Insurer / Broker Relationship Management.

Robert Hughes Associates, Inc., was founded in 1979 with the goal of providing insureds and self-insureds with an organization that was able to give responsive, innovative and objective counsel regarding their insurance and risk-based needs.

RHA, Inc., is built upon a foundation of trust, reliability, independence, diversity and objectivity. In simple terms, we work with you in a hands-on manner to bring about the very best solutions to all of your unique and complex insurance and risk-related problems.

Whether your consulting needs require Insurance, Risk Management or Actuarial Services, we can provide you with the very best solutions from the very best people in the insurance industry. If you are looking for assistance in the areas of insurance company management, specialized insurance programs or insurance-based litigation support services, we have the right people with the right experience for the job

SERVICES PROVIDED:

Litigation Support Services:

Confidential Consulting

Trial Testimony

Depositions

London Market Research

Insurance Archeology

Actuarial Services:

Adequacy of Current Reserves

Future Losses, Ultimate Losses and IBNR

Cost and Attachment Points for Excess Coverage

Current Losses and Loss Expense Reserves

Statutory Opinions on Loss Reserves

Statutory Rate Filing Requirements

Loss Reserving Data Systems and Methodologies

Annual Actuarial Valuations

Feasibility Studies

Experience Modification Analysis

Decision Analysis

Life Expectancy Models

Insurance Management:

Day to Day Company Management

Premium Levels and Loss Patterns

Supervision of Third-Party Administrators

Statutory Filings

Regulatory Correspondence and Inquiries

Monthly Financial Reports

Loss Reserve Analysis to Predict Losses

Actuarial Trending and Development

Claims Processing and Payments

Adequacy of Claims Reserves

Custom Insurance Programs:

Niche Markets

Risk retention Groups

Insurance Pools

Innovative Business Programs

Insurance and Risk Management Consulting:

Insurance Structure Review

Policy Review and Analysis

Bid Specifications

Financial Analysis of Retentions

Claims Reviews

Claims Auditing Services

Claims Management

Claims Handling Procedures