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Thomas, Pauline

Pauline Thomas


Pauline Thomas, CRM, CIC, ARM, CISR is principal of Effective Risk Management an independent insurance and risk management consulting firm in Costa Mesa, California. She provides fee based transactional consulting services to buyers of insurance and provides litigation consulting and expert witness services to legal counsel.

Pauline has worked in the insurance and risk management industry since 1971. Her experience includes retail, wholesale, general underwriting agent, excess and surplus lines, insurance company and consulting. Pauline has earned the
Certified Risk Manager, Certified Insurance Counselor, Associate in Risk Management and Certified Insurance Service Representative designations. She is a Past President of the Society of Risk Management Consultants, and also has served as secretaryand as a director and has chaired and served on several committees. Pauline is licensed as a consultant, producer, agent or broker in 10 states.

Pauline is a member of the Society of Certified Insurance Counselors and is a Fellow of The Academy of Producer Insurance Studies. She is a member of CPCU, the Forensic Expert Witness Association and an Associate Member of the Orange County Bar Association Insurance Law Section. She has taught the Building Owners' and Managers Institute International class RPA 4 Risk Management and Insurance and worked with the Institute of Real Estate Management Orange County chapter on their Guest Professional Colleague Program. She has co-authored and authored insurance manuals, seminars and articles on insurance and risk management.

ffective Risk Management helps clients reduce their liabilities and potential cost of risk through professional attention to risk identification, evaluation and treatment programs. Pauline assists clients with risk related strategies to help stabilize and improve the client’s long-term financial position without compromising the effectiveness of the risk management program.

Effective Risk Management usually works directly for risk bearers, e.g., buyers of insurance, attorneys, CPAs and other business consultants to assist with claims or insurance negotiations, develop contract clauses, perform due diligence audits and respond to insurance and other risk related questions.

For some clients Pauline acts as a part-time risk manager by advising the CEO, COO or CFO on day to day decisions and assisting with on-going program administration. This might include exposure identification; evaluation of indemnification, hold harmless and insurance clauses in contracts; advising on claims, risk control, and insurance program design; evaluating and recommending updates to risk financing programs, verifying workers’ compensation dividend or classification data, evaluating performance of service providers and assisting with other risk related activities.

Effective Risk Management does not sell insurance nor is it affiliated with any insurance brokerage or insurance company.

Last updated: November 2020
​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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