Workers' Compensation Insurance Consultants: 7

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:

View Edward Priz'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

Clarity Concepts, Inc. provides risk consulting and training services that help develop businesses into a high-functioning organization through specially designed consulting and training programs that suit both individual and corporate needs. 

Clarity Concepts, Inc.'s Services:

Principal, Jane Marie Downey, M.Ed, ARM, has over 35 years of experience in Risk Management and Property, Casualty, and Professional Liability Insurance. A well-known risk management consultant, leadership trainer, and frequent public speaker, she provides risk consulting, insurance broker management, outsourced risk management, as well as leadership and team training. Her risk management clients have included Schott Corporation, Carl Zeiss, Inc., Main Line Health Systems, Genencor International, Entech Creative Industries, Saint-Gobain Corp., Commerce National Insurance Services, Napco and CIGNA International. 

Background - Ms. Downey’s corporate experience includes risk management positions with IU International, PaineWebber Group, Inc., and The West Company. She also worked as an Account Executive in insurance brokerage with the Hobbs Group, now part of Willis.

 She taught Risk Management at Temple University's Fox School and Crisis Management at Penn State's Graduate Program. She currently teaches Continuing Educations courses for brokers and agents for the Institute of Strategic Educational Parners. 

View Jane Downey'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

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:

View Key Coleman's Expert Witness Profile.

Milliman’s Tampa Office provides a variety of Health Insurance, Health Care services, and Pharma consulting services to law firms, health plans, insurance companies, HMO’s, Blue Cross/Blue Shield plans, hospitals and other providers, employers and government agencies. Stuart Rachlin and other staff are experienced actuaries and related consultants.  

We provide support to our clients with all types of health related services including Medicare Advantage and Prescription Drug plans (MAPD), Part D plans (PDP), ACA plans, medical, dental, long-term care, Medicare supplement & critical illness.

We assist clients nationwide with forensic actuarial work, rate filings, regulatory compliance, reserve projections, valuations, employee benefit analysis and design, mergers and acquisitions, claim cost analysis, and fee schedule analysis.

These health care services are used in litigation relating to:

• Life care planning
• Contract development and fee schedule analysis
• Pricing & Underwriting
• Senior Services
• New benefit plan design

Prof. William J. Warfel, PhD, CPCU, CLU, specializes in Insurance and Risk Management. Currently on faculty at Indiana State University, his subjects have included Property / Liability Insurance, Health Insurance, Life Insurance, Introduction to Risk and Insurance, Commercial Liability Insurance, and Insurance Seminars. 

Dr. Warfel is widely published in applied, professional journals. He has formally agreed to make a presentation concerning the “Application of the Separation of Insureds Condition” to the Indianapolis Bar Association as part of its Continuing Education Program (Winter Symposium, Indianapolis Bar Association, Insurance Coverage Section) for its members on December 9, 2021.

Dr. Warfel is a Member of the Board of Directors Overseeing the Development and Use of a Monetary Investment Software Tracking System for the purpose of holding contractors and subcontractors connected to construction projects accountable, and protecting the insurable interest of banks who finance these construction projects.  He has also participated as a panelist in a plenary session sponsored by the United Campus Ministries, and the
Indiana State University Center for Economic Education. The title of this session was, “Healthcare Reform: Industry Implications, Insurance Complications, and the Economics of it All.”

Insurance Industry Studies:

• Commissioned by the National Association of Mutual Insurance Companies (NAMIC), to prepare an Issues Analysis paper concerning legislative expansion of policyholder remedies for first party bad faith. Prf. Warfel's role was to present the legal landscape concerning first-party bad faith law across the United States.
• Commissioned by Networks Financial Institute at Indiana State University to draft a working paper concerning issues related to insurance regulatory reform.
• Commissioned by the Coalition for Quality, Affordable Housing to conduct a study concerning why reliance on litigation to resolve disputes relating to alleged construction defects has contributed to a price/availability problem with respect to contractors liability insurance in California.
• Completed a faculty internship with Safeco Insurance Companies, the purpose of which was to examine the response of state legislatures to disruption in property insurance markets that occurs in the aftermath of a natural disaster, and examine the need for federal reinsurance.
• Commissioned by State Farm Fire and Casualty Insurance Company to conduct a study concerning the impact of natural disasters on insurers and the insurance marketplace.

View Dr. William Warfel's Expert Witness Profile.