Insurance Agent / Broker - Standards of Care Consultants: 17

U.S. Accredited Expert Claims & Appraisals, LLC, (USAE), provides expert work for ANY and ALL types of Property Claims most anywhere for ANY property claim in the USA. With over 30 years of experience, USAE's four-step plan ensures their clients get the best payout from their insurance policy:

1. Inspect - Free inspection and consultation to thoroughly evaluate each case, including property, insurance policies, and total damages incurred.
2. Review - Review records and insurance policies in greater detail, taking note of all evidence to support client cases. They partner with attorneys, inspectors, professional investigators, and other professionals to get a solid understanding of each case.
3. Advise and Offer Options - Offer clients all the entitlements they are owed and inform them of all the favorable options.
4. Negotiate - Personally sees the insurance company and negotiate on their clients' behalf. They use their 30 years of experience to get their clients the best claims and appraisal service in the USA.

Bruce Fredrics, RGA (EGA), SME, CGA, AIC, ACA, CCA, PCLA, LPCS, HCI/R/C, FSRT, WINDP, CMS, AMRT, WRT, CPLA, CPLU, CPAU, CMI, UCC, CPCUc, CCPc, ACPc, B.S, is the Principal at USAE and a United States Registered Federal and State Court Certified Subject Matter Expert (SME) for Insurance Appraisal, Claims Processes, and Industry Standards of Practice and Care. Practicing for over 30 years, he is considered an Elite Expert at the most advanced pinnacle of ability. 

A Loss Consultant, Public Insurance Adjuster, and Independent Claims Adjuster, Mr. Fredrics is engaged / retained by consumers, insurance companies, and Governments to handle insurance claims settlements and to resolve disputes. His experience includes educating and teaching State Regulators including Directors of Insurance Commissioner Offices, their Attorneys, Plaintiff and Defense Counsel, other Federal Experts, and Professionals, including Managers, Supervisors, and Professional Boards.

Areas of Expertise:

Man-Made Damage Commercial Property Condominium Construction Defects Claims Disputes Equipment / Mechanical Breakdown Business Interruption Residential Dwelling Manufactured Housing Sinkhole Mold Fire Investigation and Adjustment Environmental / Pollution Property Liability

Catastrophe Losses: Hurricanes, Tornadoes,  Total Losses Product Liability General Liability Professional Liability Harassment Casualty Bodily Injury Fatalities Murder / Homicide, Attempted Murder Weapon Assault Auto Liability / Auto Physical Damage Personal Injury Protection (PIP) Cargo Workers Compensation Liability

View Bruce Fredrics' Expert Witness Profile.

Paul W. Burkett, JD, CPCU, CIC, ARM,CRM, ALCM, has been CEO of Snoaspen Insurance Group, Inc., since 1995. He has extensive experience:

• Providing Insurance Risk Management Consultant Services and Policy / Risk Management Program Audit Services to Commercial Clients and Agents/Brokers
• Providing Personal and Commercial Insurance Policy Coverage training for Agents, Brokers and Risk Managers

Mr. Burkett began his career as a Loss Control Representative for SAFECO Insurance Company after serving as an Officer in the United States Air Force. During his career with SAFECO, he served as a Loss Control Supervisor, Loss Control Manager, Commercial Sales Representative, Division Commercial Lines Underwriting Manager, and Regional Workers Compensation Manager.

From Safeco Insurance Company, Mr. Burkett worked for Frank B. Hall & Company as a Vice President in charge of Risk Management Services. From Frank B. Hall, Mr. Burkett assisted in establishing the Meadowbrook of Colorado office and focused on developing specialized group programs.

Paul Burkett delivers seminars as a National Instructor for Certified Insurance Counselor (CIC) Courses, National Instructor for Certified Insurance Service Representative (CISR) Courses and a Nevada Independent Insurance Agents Association Instructor for numerous Personal and Commercial Insurance coverage topics.

Areas of Expertise:

• Insurance Company Good and Bad Faith
• Agent / Broker Standard of Care
• Insurance Industry Customs and Practices
• Risk Management
• Business Contract Insurance Clause Analysis and Application
• Insurance Coverage Analysis
• Insurance Claims Disputes Analysis

View Paul Burkett's Expert Witness Profile.

PozmantierWilliams Insurance Consultants, LLC is an Insurance / Risk Management firm that offers clients negotiating expertise and depth of knowledge to optimize their coverage while in many cases reducing costs. Services Include:

• Design / Implement / Audit Insurance / Risk Management Programs
• Contractual Review and Recommendations
• Lease Analysis
• Broker Selection / Broker Services Review Advice
• Competitive Marketing of Insurance Programs
• Merger and Acquisition Due Diligence
• Executive Insurance Review
• Claims Services
• Captive / Alternative Risk Planning Services

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. 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. During the past several years, Mr. Williams has been a media contact for radio, television and news publications as an authoritative source of information about various insurance and risk management topics. He has taught numerous seminars on Business Insurance at the University of Houston. He has lectured and been a seminar leader on various insurance topics. View Joe Williams' Expert Witness Profile.

Key Coleman, CPA, CFA, CPCU, ARe is Executive Director and Founder of Litigation Economic & Forensic Consulting Group LLC. While his firm is located in Greater Philadelphia, his practice is nationwide. Mr. Coleman focuses his consulting practice on damages analysis in the context of commercial disputes, contract audits and investigations. Mr. Coleman has a specialty in the Insurance and Reinsurance Industry, having worked in or around the industry for over 30 years. Prior to starting his own firm, he spent the bulk of his career in Chicago where he was a partner at a Big Four accounting firm and subsequently held high level positions at other nationally recognized accounting and consulting firms. Prior to his consulting career, he spent more than eight years in the insurance and reinsurance industry. His major investigative work includes having spent 4 years on the then-largest insurance investigation in history.  He is one of the few experts nationwide who holds both the CPA and the CPCU designations; he has significant depth in reinsurance, as well, enabling him to gain the 'big picture' when dealing with insurance and reinsurance issues.  He has performed inspections of MGAs, TPAs, ceding companies, and insureds. An abbreviated list of his investigative and insurance specialties include:

Accounting, Forenisic Accounting and Investigations Analysis of accounting records Forensic accounting Investigative analysis Contract audits Consulting Services in Insurance and Reinsurance MGA/MGU audits or inspections Underwriting audits

Claims analysis Ceding company audits Premium audit analysis Insolvency and run-off analysis Workers’ Compensation Professional Employment Organizations (PEOs) Damages Analysis in Inurance and Reinsurance

View Key Coleman's Expert Witness Profile.

Lieberman Financial & Consulting Services, LLC provides high quality Financial Planning services and Insurance Investment to advice to clients in all walks of life. Principal, Maurice Lieberman, CLU, ChFC, RHU, LUTCF, has over 40 years of experience specializing in Life Insurance, Annuities, and Health Coverage. 

Mr. Lieberman also offers Financial Planning Workshops and conduct large and small group seminars. He provides individual and family financial counseling sessions to active duty members of the United States Military (all branches.) Mr. Lieberman holds three professional designations from the American College, Chartered Life Underwriter, Chartered Financial Consultant, and Registered Health Underwriter. He is a Life Insurance Training Council Fellow, and a member of the American College of Financial Services Professionals, Forensic Expert Witness Association, and the American College of Forensic Examiners International. 

Background Experience - Mr. Lieberman started as an insurance agent for Metropolitan Life and then advanced in his career to manage brokers. He successfully built agencies for Aetna, and Principal Financial Group. He was later promoted to Regional Director for New England Financial, and CSAA Life. Over the years he mentored hundreds of insurance agents, brokers, financial planners and agency managers to build their own successful careers and agencies. He was also a member of the Million Dollar Round Table and utilized his selling and management experience to train insurance agents, brokers and financial planners in advanced areas of estate, business insurance, and financial planning.

View Maurice Lieberman'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.

Mary LaPorte offers Consulting Services to insurance agencies, including assistance in Work Flow, Operations and E&O Loss Prevention, and General Agency Management and Supervision. With over 40 years in the Insurance Industry, Ms. LaPorte helps agencies develop best practices and established procedures. She regularly conducts E&O audits for agencies and assists in developing internal E&O loss control practices. Having worked within the independent agency system and interacted with insurance carriers following industry standards, she assists agencies with refining and developing procedure. Ms. LaPorte is heavily involved in insurance education, is on the national faculty for the Society of CIC, (Certified Insurance Counselor), and teaches agency standards to insurance professionals. Her services are also available to private clients and small, private entrepreneurial companies. Consulting Services:

• Insurance Agency Consulting
• E&O Loss Control
• E&O Loss Prevention
• E&O Audits
• Insurance Continuing Education
• House / Condo/ Co-op Insurance
• Home Insurance
• Insurance Education

View 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.

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.

HLN offers Peer-reviewed methodologies and Appellate court proven testimony by experienced professionals who have provided consulting services and conducted audits and investigations for hundreds of hospitals, physicians and other healthcare providers nationwide. HLN's experts have provided expert testimony in administrative and regulatory proceedings, as well as in state and federal courts for civil and criminal cases, for plaintiffs and defendants.

HLN provides experts in: medical billing, reasonableness of charges, reasonable value of medical services, Medicare & Medicaid reimbursement and compliance, clinical documentation, medical record coding, economic damages, insurance disputes, lost profits and false claims. HLN's founder co-authored two editions of the AMA's best selling Mastering the Reimbursement Process book. 

HLN's Consultants include:

• Certified Public Accountants (CPA) 
• Certified Coding Specialists (CCS and CCS-P)
• Certified in Financial Forensics (CFF) 
• Certified in Healthcare Compliance (CHC) 
• Certified Fraud Examiner (CFE) 
• Certified Healthcare Chart Auditor (CHCA) 
• Certified Professional Coder (CPC and CPC-H) 
• Licensed Insurance Agents
  
• RNs, MDs, DOs and DCs
• Financial Analysts
• Statisticians 

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.

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.

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.

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

 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.