Insurance Coverage Analysis Expert Witnesses: 29

MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 40 years. Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals. 

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics. 

Areas of Expertise Include:

• Banking Operations/Administration
• Check Fraud
• Lending Policies, Custom and Practice
• Loan Underwriting & Credit Administration
• Loan Securitizations & Servicing
• Bankruptcy, Foreclosures and Workouts
• Trust & Fiduciary Issues / Operations
• Securities Brokerage & Investments
• Valuations & Damages Analysis
• Forensic Accounting
• Employment / Compensation
• Real Estate Brokerage & Management
• Title Insurance & Escrow
• Real Estate Appraisal & Transactions
• Insurance Industry Custom & Practice
• Insurance Coverages / Claims Handling
• Insurance Bad Faith

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.

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

Hugh W. Black CPCU, ARM, AIC, CCLA, entered the Insurance Industry in 1974 and has spent the last 45 years reviewing and analyzing thousands of claim files for several different insurance companies and third party administrators. This experience has given him tremendous insight into the custom and practice of insurance claims departments. 

Background Experience:

• Devonshire Group (2002 – 2004) Claims Analyst - Responsible for the handling of over 100 litigated Construction Defect claims on behalf of several Lloyds of London syndicates. Responsibilities included coverage analysis; issuing reservation of rights letters; setting reserves; controlling and directing defense counsel and coverage counsel; controlling and directing the investigation of independent adjusters; attending mediations and mandatory settlement conferences; reporting to the lead syndicate in London; and negotiating settlements
• West Coast Casualty Service, Inc. (1998 – 2002) Branch Manager/Claims Adjuster - Technical & Administrative responsibility for four adjusters and two secretaries for the handling of Construction Defect, General Liability, Automobile, and Property claims. Handled 40 to 60 complex Construction Defect and General Liability claims

Mr. Black is available to consult as an expert witness in cases involving:

Bad Faith Commercial Property & Casualty Insurance Coverage Duty to Defend Insurance Industry Custom & Practice

Certificates of Insurance Additional Insured Coverage Construction Defect Excess & Umbrella Property & Casualty Insurance Claims

View Hugh Black's Consulting Profile.

Donald W. Bendure, MBA, CPCU, RPLU, RF, ACI, is an Insurance Expert with a concentration within the areas of Commercial Liability, Captive Underwriting, Professional Liability, Commercial Automobile, and Property Insurance. He has over 40 years of experience and provides services for clients nationwide. Litigation Support - Mr. Bendure provides unbiased and impartial expert testimony and litigation support services for both plaintiff and defense attorneys. He has currently completed over 350 engagements. Mr. Bendure serves as a Pre-litigation Consulting Expert, a Policyholder Expert Witness, and an Insurance Defense Expert Witness. Mr. Bendure's particular area of expertise in the areas listed below is within the discipline of Underwriting and Insurance Coverage. He possesses specialized knowledge of Captive Insurance and commercial insurance as they relate to coverage issues, particularly within pollution, environment, construction, oil and gas exploration, risk mitigation, enterprise risk management, self-insured and retention programs, and claims made policy language. Expertise:

General Liability Automobile Liability Forensic Underwriting Workers' Compensation Umbrella and Excess Liability

Errors and Omissions Liability Professional Liability Directors' and Officers' Liability Reinsurance Captive Insurance

View Donald Bendure's Consulting Profile.

Mr. Beringer is the Principal of Beringer & Associates (B&A) and Liability Program Management (LPM). He is an approved consultant by the A.M. Best organization, since 2006, for claims, liJohn-Beringer-Insurance-Management-Expert-Photo.jpgbility, and insurance program management, including matters involving construction, OCIP, TPA, JPA, Captives, Memorandum of Coverage, and insurance coverage analysis. The Cayman Island Monetary Authority approved Mr. Beringer as a licensed captive owner in 2002 for Segregated Portfolio Company Creative Solutions, SPC.

Mr. Beringer holds an LPCS, RPA; is a founding member of CLM, a published author in various publications, and presenter at the CIMA, CPA, A.M. Best, and other conferences.

Mr. Beringer, as B&A, has provided expert services for risk analysis and management services to the insurance, reinsurance, construction, and transportation industry since 2000. Previous to the formation of B&A, he worked in the insurance industry for 30 plus years as a region Litigation Manager with Automobile Club, Industrial Indemnity, Great American, and The Hartford's Speciality Risk Service. Since B&A’s formation, Mr. Beringer assisted Reliance, AIG, Swiss Reinsurance, and Sterling Insurance for review of their insurance programs, analysis, and performance of claims systems and operations.

Mr. Beringer has participated in over 300 mediations, managed handling of over 30,000 cases in federal, state, and local venues on behalf of clients, and provided expert services to plaintiff and defense counsel.

Jane Marie Downey, M.Ed, ARM, has 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, insurance arbitration, as well as leadership and team training.  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. 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 agents and attorneys for the Institute of Strategic Educational Partners.

Litigation Support - Ms. Downey has provided expert opinions on policy language, coverage disputes, brokerage E&O and standard of care, risk control and risk management standard. She has successfully provided litigation support, testimony, depositions, certifcates of merit and expert opinions in over 60 legal actions. Ms. Downey Jane has represented both insureds and insurers and clients and brokers. 

Areas of Expertise:

Property Insurance Insurance Arbitration (ARIAS Trained) Insurance Carrier Bad Faith Broker / Agent Liability

Financial Institutions Coverage Directors and Officers Liability Insurance Pollution and Asbestos Liability Coverage Workers Compensation / Employers Liability Insurance

View Jane Downey's Consulting Profile.

Wayne Citron has 45 years of experience as an expert in Forensic Reconstruction of Insurance Transactions. He is an insurance expert and consultant.

Litigation Support - Wayne Citron specializes in policy interpretation of the rules, laws, and regulations governing insurance and financial matters. His services are available to attorneys representing plaintiff and defendant and include effective reports, affidavits, depositions, and testimony as needed.

Areas of Expertise:

Insurance Bad Faith Insurance Customs and Practices Insurance Health / HMO / Disability

Insurance - Life & Annuities Property / Casualty Insurance Insurance Agents & Brokers - Standard of Care

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 is an expert in all forms of insurance, including:

Life Insurance Health Insurance Property and casualty Insurance Disability Insurance Annuities Retirement, IRAs & Pensions

Flood Insurance Broker Malpractice / Bad Faith Profit Sharing Group Coverage Self-insurance Insurance Laws / Regulations

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.

View CMC Advisors' Consulting Profile.

Dr. William R. Sawyer  is a Professional Toxicologist with a doctorate in toxicology from Indiana University School of Medicine. He has over 32 years of extensive experience in Public Health and Forensic Toxicology with specialized expertise in causation analyses (plaintiff and defendant) including Alcohol toxicology, Drugs-of-Abuse, Pharmaceuticals, Herbal Products, Dioxins, Solvents, Heavy Metals, Crude Oil and other Chemicals. Dr. Sawyer has testified in trial or deposition in over 30 states including NY, MA, CT, PA, RI, NH, DE, NJ, WV, VA, NC, SC, GA, FL, AL, MS, LA, AR, MO, KY, IN, IL, WI, MI, OH, MN, MT, WA, CA, TX, OK. As a skilled scientist and communicator in the area of toxic tort, Dr. Sawyer provides services to governmental agencies, corporations, select plaintiffs or defendants. Dr. Sawyer currently serves as Chief Toxicologist for TCAS, LLC, and served for 23 years as an Assistant Professor (adjunct) with the Department of Medicine, Upstate Medical University, Syracuse, New York. Dr. Sawyer also has approximately 14 years experience as a licensed clinical and environmental laboratory director in several states. Lisa Myers interviews Dr. Sawyer on NBC Nightly NewsTCAS Services and Expertise:

Alcohol Toxicology Analytical Testing Asbestos Toxicology Birth Defects Carcinogenesis Causation Assessments Chemical Toxicology Carbon Monoxide

Dioxin Toxicology Forensic Chemistry Forensic Toxicology Laboratory Services Mass Toxic Tort Medical Malpractice - Pharmaceuticals Petroleum Toxicology Forensic Source ID

Qualifications & Experience

• Academic Affiliations- Medical School Faculty (adjunct)
• Government Experience - Public Health Toxicologist
• Toxic Tort Causation / Determination - Defense, Plaintiff
• Experienced Clinical and Environmental Laboratory Director
• Considerable Experience with Mass Toxic Torts

View Dr. William Sawyer's Consulting Profile.

Maribeth Danko provides expert witness and consulting services based on over 25 years of experience in Commercial and Residential Property Insurance Claims.  

Before founding the independent adjusting firm of SeaCliff Claims Group LLC in 2002, Maribeth was a Property Claim Manager at Liberty Mutual Insurance. Prior to that, she spent 11 years in management at 21st Century Insurance. She has worked in excess of 50,000 hours handling insurance claims, with many thousands of claims to her credit. 

A graduate of Washington University in St. Louis and Loyola University Chicago, Maribeth is an active member of the Forensic Expert Witness Association. She is a licensed private investigator (CA) and a licensed independent insurance adjuster (CA).

Litigation Support - Maribeth Danko has been providing Insurance Claim Handling Standard of Care services since 2009. As a successful manager for insurance companies for more than a decade, she acquired extensive knowledge of best practices and effective claim department procedures.

An expert on insurance claims handling standard of care as well as Damage Evaluation, Ms. Danko has testified in 3 trials, has been deposed 7 times as an expert, and over 15 times as a person most knowledgeable. Her services are available to clients seeking an independent, unbiased, candid review of the claims handling in a first party property insurance claim.

Areas of Expertise

Insurance Claims Handling  Insurance Claims Customs and Practices Insurance Claims Standard of Care

First Party Property Insurance Claims Bad Faith Damage Evaluaiton

Errold Moody, PhD, MSFP, LLB, has over 50 years of experience analyzing Personal Financial issues including real estate, stocks, bonds, limited partnerships, taxes, estate planning, retirement planning, ethics, social security, medicare, behavioral economics- literally all elements impacting an individual. 

Dr. Moody's current website, Financial and Economic Daily Commentary 2021, has been hailed by USA Today as, "...a high-powered personal bookmark list that spans the spectrum of the truly useful," and Forbes as a site, "...to find some great information." Dr. Moody's vast knowledge base comes from years of practice in the aforementioned fields and from having served for decades in the Instruction of:

• Licensing for Securities Licenses, (4, 7, 8, 24, 27, 52, 63, etc.);
• Real Estate courses for University of California Irvine, plus continuing education;
• Financial Planning courses for University of California at Irvine and Berkeley as well as others;
• Courses accepted by the California Bar for continuing legal education in Investing and Insurance- the first ever by a State Bar. 

Litigation Support - Dr. Moody has acted as a Securities Arbitrator for the NASD and as an Expert Witness numerous times over his career. He serves as a consultant researching and preparing reports for CPAs, attorneys, and individuals for real estate and investing and insurance issues, and has acted as a Financial Planner for individuals and businesses. 

Dr. Moody is an expert in Breach of Fiduciary Duty. His background experience allows for unparalleled skill at distinguishing the duty of a fiduciary - identifying potential Risk of Loss before purchase and then establishing how much risk the client would truly accept.

Dr. Moody cautions that the fundamentals of investing have never been taught to brokers or RIAs. He addresses this nebulous, confrontational, and error riddled element of investment and insurance risk in his three books, No Nonsense Finance, Financial Planning Fiduciary Standards under Dodd Frank, and The Failure of Securities Arbitration. 

Areas of Expertise:

Risk of Loss Investment Analysis and Monitoring National/International Economic Analysis Impacting Investing Estate and Pension Planning Stock Bond Diversification/ Allocation Client Questionnaires / Suitability Ully Life Settlements Reverse Mortgages 401k education Speculative Inputs: Irrational / Unjustified Statistics

Real Estate Analysis Behavioral Characteristics Mutual Funds / ETFs Retirement Planning Life Insurance/Taxation Securities Arbitration Breach of Fiduciary Duty / Prudent Man Government and State Regulations Planning Software: Artificial Intelligence Impact Budgeting

"In my 30 years in the business, I have never seen an authoritative, objective, prudent expert speak so clearly on the use of insurance. What Errold can do is unique in the industry."  Steven Winks

View Dr. Errold Moody's Consulting Profile.

Frederick J. Fisher, JD, is the President of Fisher Consulting Group, Inc., a Professional Liability firm. 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.

Mr. Fisher provides Expert Witness services and Litigation Strategies to attorneys representing Plaintiff and Defense. He testifies regularly as an expert witness in cases dealing with:

• Insurance Broker Standards of Care
• Real Estate Broker Standards of Care
• Third Party Administrator Standards (TPA)
• Claims Handling and Bad Faith
• Wholesale Broker Policies with "gotchya's"

Background Experience:

• For almost 20 years, Mr. Fisher was the Founder of E.L.M. Insurance Brokers, a Wholesale & MGA facility specializing in Professional Liability and Specialty Line Risks. 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
• Mr. Fisher began his career on the service side, as an Independent E&O claims adjuster. In 1982, he bought the Company. In only 4 years, the annual billings increased by 400%
• In 1989, Mr. Fisher became a Founding Member of the Professional Liability Underwriting Society (PLUS), and was elected to the PLUS Board of Trustees in 1993. After serving in all Officer capacities, he was elected President in 1997. He 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

For more information on his Litigation Support Services, Email Frederick Fisher at: fjfisher@fishercg.com

View Frederick Fisher's Consulting Profile.

Guy O. Kornblum has specialized as a Trial and Appellate Lawyer for 40 years. He has handled over 4,000 litigated matters to conclusion and has several million dollar cases to his credit. Mr. Kornblum has represented hundreds of clients, small businesses, individuals, and large Fortune 500 corporations during his 40 plus years of practice. He is highly regarded for his courtroom and appellate skills, and his representation of his clients in mediations, where he has a strong track record of successful settlements.

Litigation Support - Mr. Kornblum serves as a mediator and expert witness and has qualified as an expert in federal and state court. His testimony on insurance claims handling was cited by a California Court of Appeal in upholding a jury verdict in favor of a plaintiff in an insurance bad faith case.

Expertise Includes:

• Insurance Company Claims Practices - personal and commercial, property and casualty, employment coverage, director‘s and officer‘s coverage, professional liability coverage, general commercial coverage, life, health and disability insurance, bad faith, serious personal injury, professional liability, real estate, employment matters, and fraud claims involving employee welfare benefit plans, wrongful death, and actions claiming punitive damages
• Standard of Care in Legal Malpractice Cases Involving Civil Litigation Issues
• Case Settlement Value

Mr. Kornblum is Certified in Civil Trial Advocacy and Civil Pretrial Practice Advocacy by the prestigious National Board of Trial Advocacy, and is a Fellow, American College of Board Certified Attorneys. He is also a Life Member of the Multi-Million Dollar and Million Dollar Advocate’s Forum, for those attorneys who have achieved multi-million dollar awards or settlements for their clients. Mr. Kornblum is also a Charter Fellow in the Litigation Counsel of America Trial Lawyer Honorary, a Platinum Member of The Verdict Club, recognizing his “professional excellence in litigation,” and a Legends Society “Top Lawyer” in the personal injury field, and a Silver Member of the Elite Lawyers of America. He has been selected as a Super Lawyer each year since 2006.

View Guy Kornblum's Consulting Profile.

Stephen D. Campbell is President of Independent Insurance Consulting, LLC and has 38 years of extensive multi-line/multinational underwriting management experience, including a five-year London assignment. His underwriting management background includes global leadership of a $2.5b worldwide primary and excess casualty, environmental liability and crisis management profit center with a strong record of growth and underwriting profit. Litigation Support - Mr. Campbell is available to counsel representing both plaintiff and defendant. He has deposition and trial testimony experience in Federal District Court. Areas of Expertise:

• Primary and Excess Liability Insurance
• Property and Casualty Insurance
• Contaminated Products Insurance
• Business Interruption Insurance
• Global and Multinational Insurance Programs
• Coverage Issues and Underwriting Guidelines

References available upon request.

Ivan E. Cohen, RF, ARM, CRM, CIC, AIC, AAI, MLIS, CRIS, is a nationally recognized Insurance Industry Expert with over 44 years of years of Insurance and Risk Management experience. 

In 1979, Mr. Cohen opened his own agency where he still serves as president. He 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 columnist for Risk Management Magazine. 

Mr. Cohen has also been an Insurance Educator for 41 years. A Senior Andjunct Professor of Insurance, 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.

Litigation Support - Mr. Cohen is a trial-experienced Insurance Litigation consultant who provides expert witness services on insurance related matters, He currently serves as a subject matter expert for the New York State Department of Financial Services on the Insurance Exam Review Committee. Mr. Cohen has worked on matters in State, Federal, and Canadian Courts. His services are available to counsel representing both Plaintiff and Defense. 

A. M. Best Client Recommended Expert Service Provider 2018, 2019, 2020.

Areas of Expertise:

Insurance Errors & Omissions Insurance Standard of Care Insurance Agent / Broker Duties Agent Standard of Care Broker Standard of Care Insurance Policy Interpretation Property Insurance

Liability Insurance Insurance Custom & Practice Auto Insurance Home Insurance Personal Insurance Commercial Insurance Insurance Company Bad Faith

View Ivan Cohen's Consulting Profile.