Expert Witness

Mike has produced many Expert Opinions on behalf of clients – both insureds and insurance companies. Mike has been deposed many times.  He has testified at state and federal hearings and trials and at arbitration hearings.

Mike has vast experience in P&C rating, policy and endorsement language and intent, and application of rules and classifications.  His experience includes personal lines, commercial, professional and specialty lines of insurance, and agency relationships.  On rating, Mike understands the application of retrospective and composite rating plans and the application of schedule rating.

Mike has produced Expert Opinions on many different aspects of insurance including, but not limited to:

  • Coverage Intent
  • Excess/Follow Form/Umbrella policy application
  • Retroactive Date application
  • Policy Reconstruction
  • Record Retention
  • Manuscript Forms
  • Agency Relationships
  • TPA Procedures and Relationships
  • Underwriting Authority
  • Claims Handling
  • Subrogation
  • Application of Exclusions
  • Prohibited forms use
  • Cancellation/Non-renewal Requirements
  • Rating – including composite and/or retrospective rating
  • Protective Safeguards
  • Vacancy Provisions
  • Application Misreprestations