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Insurance Coverage Experts

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NoPhotoAvailable.jpgAllen Messer, CIC, CPCU graduated from the University of Evansville, Evansville, Indiana, and immediately began his insurance career. His more than 50 years of insurance experience includes claims, marketing, underwriting, management, direct sales as an independent insurance agent, and consultant.

Allen is currently the owner of Insurance Concepts and Services, an organization that focuses on strategic planning/execution for insurance companies and insurance agencies, insurance policy writing for insurance companies, insurance training and education for all involved in the industry, insurance agency coverage audits, as well as consulting with attorneys.

Prior to forming this organization, Allen spent more than twelve years as Director/Chief Operations Officer/Chief Executive Officer of Illinois Casualty Company (a company specializing in insurance protection for the food and beverage industry) with responsibilities in all areas of operations and fifteen years as an independent insurance agent and consultant specializing in the construction industry.

Allen's insurance education includes completing the Certified Insurance Counselor Program (CIC) and the Chartered Property Casualty Underwriter Program (CPCU), where he earned the very first CPCU "Distinguished Graduate Award" for attaining the highest academic average in the nation.

Allen has conducted numerous seminars on the technical subjects of property and casualty insurance as well as contract bonds. Not only has he taught INS classes, CPCU classes, CIC programs, as well as conducted seminars for various industry (other than insurance) trade associations, he has served as instructor for many seminars for the Independent Insurance Agents Associations and the Professional Insurance Agents Associations. Twice the Independent Insurance Agents Association of Indiana recognized him as the recipient of the J. Edward Hedges Memorial Award as "Insurance Educator of the Year". Allen is a National Faculty Member and Educational Consultant for The National Alliance for Insurance Education and Research.

Allen Messer brings technical skill, initiative, and experience to bear on the complex problems of insurance and risk management.

Last updated: November 2020

barry123.jpgBarry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at and

Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.

Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.

His C.V. is available at and he can be reached at or at 310-390-4455.

Some of his publications, blog postings, and video blogs are available below:

      Last updated: November 2020
      Bill-Mense.jpgBill Mense. My insurance career began in 1977 following graduation from Xavier University in Cincinnati, Ohio with my BSBA in Finance. My family has been in the insurance business since 1914. So my career began with my father stating that if I wanted to eat, I will see you Monday morning. The best piece of advice came on that Monday with "Today is the smartest day of the rest of your life." This was from Richard Tilney, CPCU.
      I am now a partner with United Heartland Insurance Agencies in Hamilton, Ohio. We are a consolidation of agents with similar family heritages reflecting the values of our forefathers.
      I taught for the Independent Insurance Agents of Ohio for about 6 years. My subjects were CGL and Business Auto. I also taught the "old" CLM manual back in the day when paper was still used. Education has always been important in our constantly changing world. I also act as a consultant with Prometrics as a subject matter expert in the development of prelicensing requirements and the State of Ohio for the annual license exam review.
      My outside interests include trains, both real and model, reading, and playing tennis. You need to get away from this business at the end of the day.
      I am honored to be a member of Ask an Expert.
      William C. Mense
      United Heartland Insurance
      185 North Brookwood Ave.
      Hamilton, Ohio 45013

      Last updated: November 2020

      Bill Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of Insurance and the author of four books (soon to be five), the most recent being “When Words Collide: Resolving Insurance Coverage and Claims Disputes." He retired from the Independent Insurance Agents & Brokers of America in December 2016 where he served as Assoc. VP of Education and Research for over 17 years and was the founder and director of the Big “I" Virtual University.  He is the former Director of Education & Technical Affairs for the Insurors of Tennessee and, prior to that time, he was employed by Insurance Services Office, Inc.  He is a graduate of the Illinois Institute of Technology with a B.S. degree in Fire Protection & Safety Engineering. 

      Bill was a licensed insurance and surplus lines agent, and his professional affiliations have included past president of the Middle Tennessee Chapter of CPCU, member of the board of directors of the national CPCU society, PMLG of the Honorable Order of Blue Goose, International, member of the Independent Insurance Agents & Brokers of America (IIABA) National Education Committee, member of the Certified Insurance Service Representative (CISR) National Advisory Committee, member of the National Underwriter FC&S editorial board, member of the Society of Insurance Trainers and Educators (SITE) and its SITE Journal editorial committee, member of the National Writers Association, chairman of the Tennessee Insurance Commissioner's Education Advisory Committee, member of the Middle Tennessee State University Insurance Liaison Committee, and member of the Nashville State Technical Institute's Business Management Advisory Committee. He is currently a member of the American Association of Insurance Management Consultants (AAIMCo).

      Bill has served as a trainer and speaker for various organizations, including the Independent Insurance Agents & Brokers of America and 46 of its state affiliates, the CPCU Society national convention and chapter programs, the National Association of Insurance Women (NAIW), the Southern Agents Conference (SAC), the Risk & Insurance Managers Society (RIMS), the International Risk Management Institute (IRMI), and the Society of Risk Management Consultants (SRMC).

      He has conducted hundreds of technical seminars, workshops and convention presentations—from Hawaii to Maine and Alaska to Florida—as well as programs on time management, presentation and public speaking skills, seminar development, and many others. He has been the top-rated presenter at several CPCU National Conventions and his programs are always highly rated by attendees. He has presented seminars or webinars to as many as 5,000 attendees in a single session.

      He was the recipient of the IIABA L.P. McCord National Education Award for having the #1 ranked state insurance education program in America and has won six other national education awards, including the George M. Gottheimer Memorial Award which is presented periodically to a CPCU Society member who has made an outstanding contribution to the field of insurance education, risk management or insurance consulting and, most recently, the Jeff Yates Lifetime Achievement Award which is the IIABA's highest honor for nonagents.

      Bill has researched, developed, written, and published dozens of technical articles, manuals and CDs/audio tapes, and has authored articles in business and industry trade periodicals such as Presentations magazine, American Agent & Broker magazine, Independent Agent magazine, Tennessee Insuror magazine, Tennessee Business magazine, the CPCU Journal, CPCU Interest Group newsletters, and the SITE Journal.

      He has been quoted as an expert in a number of mainstream publications, including Readers Digest, Kiplinger's, and Money magazines and the Wall Street Journal, and he has been cited as an expert resource/interviewee for local television and radio media. He has also served as an expert witness in litigation.

      According to Nashville NBC television affiliate WSMV, “Bill Wilson is an expert when it comes to insurance."  Dr. William T. Hold, president of the Society of Certified Insurance Counselors in Austin, Texas has said that, “Bill Wilson is recognized by his peers as one of the premier insurance educators in America." Bob Rusbuldt, CEO of the Independent Insurance Agents & Brokers of America says, “Bill Wilson is the nation's foremost leading expert on form, coverage, and technical issues."

      Bill now blogs on insurance industry issues at and delivers keynote presentations in conjunction with his consulting practice. He is also working on several new book projects in addition to playing lead guitar with the band The Spyders (check them out on Facebook and YouTube). Email Bill at and check out his published books on Amazon at Look for his latest book “20/20 Vision: Why Insurance Doesn't Cover the COVID-19 Pandemic" available on Amazon in October 2020.

      Last updated: November 2020

      tilden2.jpgR. Bryan Tilden, CPCU, CLU, ARM, ALCM, ChFC, CIC, SCLA is a National Lecturer and Expert Witness in the field of insurance. Prior to starting his own firm, he was the Director of Technical Affairs and Director of Education for IIANC. Since entering the insurance business in 1974 as an Account Executive, he has worked for major brokerage firms on Fortune 100 accounts around the nation. He specialized in large retention programs, utilizing the international insurance marketplace.

      Tilden has been active in insurance education as a grading panel member for the Insurance Institute of America and the American Institute for Property Liability Underwriters. He has taught in every state in the US and also teaches in Bermuda and Europe. He has served on the Education and Technical Committees for the IIANC and worked with the State of North Carolina on pre-licensing and continuing education.  In 1988, IIANC presented him with the Ernest F. Young Education Award, and in 1989 Agent of the Year. He has taught in schools for both the PIA and IIA, been a speaker at RIMS and CPCU meetings, and has spoken at various conventions. He is a National Faculty Member for the Society of Certified Insurance Counselors.

      An active volunteer in rescue services, Tilden is an internationally certified technical rescue instructor. In 2013, he received the Higgins and Langley Memorial Rescue Award for a Swiftwater Rescue Incident. He is a member of the International Association of Arson Investigators along with their NC Chapter, and teaches arson investigation courses.

      Last updated: November 2020

      Picture1.jpgCharles Comiskey, CPCU, CIC, CPIA, CRM, PWCA, CRIS, CCM, CMIP, has been an insurance broker since 1971 and is currently a shareholder/Senior Vice President of Brady Chapman Holland & Associates, one of the largest privately held insurance brokerage firms in the U.S. He has been a risk manager since 1988 and President of RiskTech, Inc., Houston's oldest risk management consulting firm. 

      Comiskey hold a multitude of professional designations including: Chartered Property and Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Certified Professional Insurance Agent (CPIA), Certified Risk Manager (CRM), Professional Workers' Compensation Advisor (PWCA), Construction Risk and Insurance Specialist (CRIS), Certified Continuity Manager (CCM), and Certified Marine Insurance Professional (CMIP). He is also National Chairman of the Construction Insurance Practice Group of RiskProNet International, the 5th largest insurance brokerage organization in the U.S.

      Equally at home in the court room or the board room, Comiskey has served as pre-trial consultant/expert witness in more than 300 cases in State and Federal courts, serving for both plaintiff and defense testifying for and against insurance companies, insurance agencies, insureds, and claimants.

      Comiskey is also a nationally recognized expert and frequent speaker on a variety of risk management and insurance issues to legal, construction, and real estate groups across the country, including the American Bar Association, American College of Real Estate Lawyers, American College of Mortgage Attorneys, American Law Institute, International Council of Shopping Centers Law Conference, State Bars of Florida, Hawaii, New Mexico, Texas and Washington, Construction SuperConference, and numerous local associations.

      • Published co-author, in United States Library of Congress – COMMERCIAL REAL ESTATE TRANSACTIONS HANDBOOK, Aspen Publishers, and numerous articles in periodicals.
      • Contributor to the 2017 AIA insurance requirements.
      • A complete CV is available upon request.

      Charles E. Comiskey
      President, RiskTech, Inc.
      Sr. V.P., Brady, Chapman, Holland & Associates, Inc.
      10055 West Gulf Bank
      Houston, TX 77040

      Last updated: November 2020

      AmrheinChris.jpgChris Amrhein, AAI is a professional insurance educator and consultant, and the former Vice President of Industry Affairs with the Independent Insurance Agents of America. When he authorizes it, we'll add something funny here.

      Visit Chris' website at
      Email Chris at
      Chris Amrhein, like most true believers in insurance, stumbled upon this business accidentally; specifically, after graduating from college and needing a job.

      After beginning in this business as a life-health agent, he graduated to property-casualty sales where he first met the greatest mine of comedy material existing today, the ISO forms. Following several years as a producer and independent agency manager/owner, Chris spent many years as a full-time educator/VP-Education for the Florida Association of Insurance Agents and VP-Education for the Independent Insurance Agents and Brokers of America. Those years found him traveling about the country teaching seminars on everything from agency management to the claims made CGL. It has also taught him the absolute truth of Jimmy Buffet's famous observation about those who make a career of the property-casualty business: "If we weren't all crazy we would go insane."

      Chris is now a speaker, consultant, seminar leader and training developer, and resides in Lorton, Virginia, with the love of his life (and wife) Donna and youngest son Alexandru (18). His two older sons - Patrick, 35 and Kevin, 33 – are doing quite well without him. His email address and website, say it all.

      Current Industry Activities: 
      • Member, CPCU Oversight Committee
      • Member, Accredited Adviser in Insurance (AAI) Advisory Committee.
      • Primary Author (AAI textbooks): 

                  Foundations of Insurance Production – Personal Insurance 

                  Multiple-Lines Insurance Production – Commercial Liability Insurance

                  Agency Operations and Sales Management – Principles of Agency Management

      • Monthly columnist (1993-present) - "Policy Issues" - American Agent & Broker Magazine.
      • Faculty member: IIABA’s Virtual University; Society of CIC James K. Ruble Seminars
      • Developer of “Street Level Ethics” Program for AICPCU/IIA
      Past Activities:
      • Chairman. IIABA Future One Producer Development Task Force
      • Member, IIABA Future One Subcommittee on Customer Service
      • Author/Editor - Florida General Lines, Customer Representatives and Adjuster Study Manuals
      • Member, IIABA Agency Management & Technology Committee

      Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, joined the insurance industry in 1990. He is Executive Director Risk Management and Education for the Independent Insurance Agents and Brokers of America (Big "I") Virtual University. His current duties involve researching, writing, and teaching property and casualty insurance coverages and concepts to Big "I" members and others in the insurance industry.

      During his career, Boggs has authored more than 1,000 insurance and risk management-related articles on a wide range of topics as diverse as Credit Default Swaps, the MCS-90, and enterprise risk management. In addition to this, Boggs has written 15 insurance and risk management books:

      • "The Insurance Professional's Practical Guide to Workers' Compensation: From History through Audit," now in its second edition;
      • "Business Income Insurance Demystified: The Simplified Guide to Time Element Coverages," now in its third edition;
      • "Property and Casualty Insurance Concepts Simplified: The Ultimate 'How to' Insurance Guide for Agents, Brokers, Underwriters and Adjusters;"
      • "Wow! I Never Knew That! 12 of the Most Misunderstood and Misused P&C Coverages, Concepts and Exclusions;"
      • "Insurance, Risk & Risk Management! The Insurance Professional's Guide to Risk Management and Insurance;"
      • "Workers' Compensation: How You Can Effectively Answer Your Clients 12 Most Commonly Asked Questions;"
      • "Glossary of Insurance Terms;"
      • "Choosing the Best Risk Financing Option;"
      • "Writing Property and Liability Coverage for Condos;"
      • "The Truth about Enterprise Risk Management;"
      • "The Experience Mod Worksheet;"
      • "What has ISO Done to us Now?"
      • "Cancellations, Non-Renewals & Conditional Renewals: THE Insurance Professional's Guide to Statutory Insurance Carrier Notification Requirements for All 50 States!"
      • Workers' Comp: Practical Answers to the Most Common Workers' Comp Questions
      • Homeowners' Coverage: Managing Your Clients' Most Valuable Asset
      Boggs is a regular speaker at industry events, speaking for groups such as the National Association of Mutual Insurance Companies (NAMIC), the National Society of Insurance Premium Auditors (NSIPA), the American Association of Managing General Agents (AAMGA), the Institute of Work Comp Professionals (IWCP), and the CPCU Society.

      A graduate of Liberty University with a bachelor's degree in Journalism, Boggs' background includes work as a risk management consultant, loss control representative, producer, claims manager, and quality assurance specialist.
      SchrammChuck.jpgChuck Schramm, MBA, CIC, CPCU, AAI, ARM, CRM is an insurance trainer, consultant, and expert witness in the Chicago, IL area. Chuck became an insurance agent in 1966. He has earned the following insurance designations: Certified Insurance Counselor, Chartered Property Casualty Underwriter, Accredited Advisor in Insurance, Associate in Risk Management, and Certified Risk Manager. He also earned his Master in Business Administration from Roosevelt University.
      In addition to formerly selling insurance, he also teaches insurance courses. He has taught for the Insurance School of Chicago, Professional Independent Insurance Agents of Illinois, Society of Certified Insurance Counselors, and the Independent Insurance Agents of Wisconsin.
      He has published articles in the PIIAI Insight Magazine. He rewrote the insurance chapter for Business Math Today, a college textbook. He previously wrote an insurance column for Broker News, a multi-state newspaper. He is a member of the PIIAI Commercial Lines Task Force and the Mid-America Technical Conference.
      He is also an insurance consultant and expert witness on insurance issues. He is with Rosenthal Brothers Insurance Agency in Deerfield, IL.
      Chuck Schramm, MBA, CIC, CPCU, AAI, ARM, CRM, CRIS
      Rosenthal Brothers
      740 Waukegan Road
      Direct Tel: (847) 940-4190
      Office Tel: (847) 940-4300
      Fax: (847) 940-4315
      Web Site:

      Last updated: November 2020

      Craig-Andrews.jpgCraig Andrews, CPCU ARM AAI AU-M ARe AIC ASLI AMIM CRIS, is the son of an independent insurance agent. Andrews entered the insurance industry in 1977 as a producer in an independent agency in Ohio.  Within a few months, he established his own independent agency from scratch, which he operated successfully for nineteen years.  During this time, he also became an active insurance teacher, leading commercial insurance coverage courses for CPCU chapters, the Ohio Independent Insurance Agents' association, several state PIA affiliates, and The National Alliance. 

      In 1996, Craig sold his agency to accept a position as a commercial production underwriter with State Auto Insurance Companies in Columbus, Ohio.  Four years later, he became the manager of the company's personal and commercial insurance underwriting and sales operations in Michigan.    

      In 2006, Craig assumed a leadership position in State Auto's home office commercial underwriting staff department as its director of commercial insurance product development. This role included multiple responsibilities:

      • Leading a team of ten commercial coverage specialists in the design, development and maintenance of the company's commercial insurance coverage portfolio in its 33 states of operation
      • Drafting proprietary coverage endorsements for business insurance market segments of all sizes and types
      • Managing reinsurer relationships
      • Serving as State Auto's designated representative in litigation involving commercial insurance coverage issues on behalf of the corporate claim division
      • Leading the commercial coverage technical training for State Auto's award-winning PaceSetter program for new producers
      • Managing State Auto's corporate insurance program and serving on the company's risk management committee     

      He retired from State Auto in May 2016.

      Besides serving as a regular presenter in State Auto's in-house commercial training programs, Craig has made commercial insurance presentations for the annual meeting of the National Association of Mutual Insurance Companies; the National Association of Mutual Insurance Companies' Commercial Lines Seminar; the Insurance Journal/Academy of Insurance; the Indiana State University Networks Financial Institute; the Insurance Board of Northern Ohio; the Federation of Insurance Women of Texas; The National Alliance; and PIA affiliates in Ohio, Indiana, West Virginia and South Carolina.  His article on data breach was published in The Standard, the monthly New England insurance journal, in January, 2015.

      Craig has appeared as expert witness at trial and in deposition in multiple legal actions involving commercial insurance coverage, including disputes regarding Commercial Property, Commercial General Liability, the Businessowner Policy, Commercial Auto, Garagekeepers Insurance, and Commercial Umbrella.  He has also worked with law firms as coverage expert in the defense of errors and omissions actions against insurance agents.      

      Craig earned the Chartered Property Casualty Underwriter (CPCU) designation in 1983 and is a member of The CPCU Society and its Coverage, Litigators and Expert Witness (CLEW) Interest Group.  He is a past president of Grand Lake Chapter of The CPCU Society and a past president of Underwriting Executives Council.  He is currently an associate member of the American Association of Insurance Management Consultants.

      Besides the CPCU, Craig has also earned the Associate in Risk Management (ARM), Accredited Adviser in Insurance (AAI), Associate in Commercial Underwriting – Management (AU-M), Associate in Reinsurance (ARe), Associate in Claims (AIC), Associate in Marine Insurance Management (AMIM), and Associate in Surplus Lines Insurance (ASLI) professional designations awarded by The Institutes.  He earned The Institutes' “Award for Academic Excellence" for both the AMIM and ASLI designation programs.  He has also earned IRMI's Construction Risk & Insurance Specialist (CRIS) designation.  In 1996, Craig became the first recipient of The Jack V. Hedges “Instructor of the Year" Award presented by the Professional Insurance Agents of Ohio.   

      Prior to affiliating with Malecki, Deimling Nielander & Associates in January 2018, Craig operated Andrews Risk Advisory, LLC, a consultancy founded in 2016 to provide expert witness services to law firms and coverage form expertise for property-casualty insurers. He is a graduate of Indiana University, a U.S. Navy veteran, and an Eagle Scout.

      StanovichCraig2.JPGCraig F. Stanovich, CPCU, CIC, AU is co-founder and principal consultant of Austin & Stanovich Risk Managers, LLC, a risk management and insurance advisory consulting firm that does not sell insurance.

      With more than forty-two years of experience in the risk and insurance industry, including five years as an underwriter for a national insurer and fifteen years as an executive for a regional insurance broker, Craig specializes in most aspects of commercial insurance. He has practical, in-depth experience in several areas, including real estate, construction, transportation, and petroleum marketers risk management and insurance.

      Craig is a regular contributor to various international, national, and local publications. He has served as an Expert Commentator for IRMI for General Liability since 2002. He continues to provide litigation support to the legal community as an expert witness or consultant in cases involving insurance custom and practice as well as complex insurance coverage issues.

      Craig has served as president of the Central Massachusetts Chapter of CPCU and as past Chairman of the Board of Governors of the Society of Certified Insurance Counselors in Austin, Texas.  He is also a National Faculty member of the Society of Certified Insurance Counselors and speaks throughout the country on various commercial insurance topics.

      Craig graduated from Bridgewater State University with a BS in Education and holds the Associate in Underwriting (AU), CPCU, CIC and CRM professional designations. He is a Licensed Insurance Advisor in Massachusetts and also holds a producer's license in Massachusetts, New Hampshire, Rhode Island, Pennsylvania, as well as being a Certified Insurance Consultant in Connecticut.  Craig is involved in his community and has served seven years on the Town of Holden Finance Committee and six years on the Town of Holden Planning Board. He is involved with his St. Francis Church, Holden, MA, having served on the Vestry as well as a Warden.

      Craig F. Stanovich, CPCU, CIC, AU
      Principal & Consultant
      Austin & Stanovich Risk Managers, LLC
      1174 Main Street
      Holden, MA 01520
      Phone: 888-540-7603 Ext. 102
      Fax: 888-650-7803

      Last updated: November 2020

      Craig Tappel, CPA, CPCU grew up in the insurance business and joined his father in the family company after college as independent risk management consultants. From early on, Craig saw the challenges faced by insurance buyers and the advantage gained by putting insurance expertise on the customer's side. Craig has also held leadership roles at regional and national brokers and served as General Manager for an underwriting organization.

      Education and professional development have been and continue to be a cornerstone of Craig's success. He also enjoys recruiting, training, and developing other insurance professionals to pass on what he has learned. 

      Craig currently leads HUB International's North American Construction Practice as Chief Sales Officer. He is also a Specialty Expert in HUB's US Healthcare Practice. 


      MBA - Duke University Fuqua School of Business Global Executive Program, with honors,

      BA Humanities - Louisiana Scholars College at Northwestern State University, with distinction.

      Professional designations:

      CPA - Certified Public Accountant

      CGMA - Chartered Global Management Accountant

      CPCU - Chartered Property Casualty Underwriter

      CLU - Chartered Life Underwriter

      AMIM - Associate in Marine Insurance Management

      ARe - Associate in Reinsurance 

      Volunteer Organizations and Memberships:

      Tennessee Society of CPA's - Healthcare Task Force

      Society of Louisiana CPA's - Past Chairman of the LCPA Industry Committee


      CPCU Society, Middle Tennessee Chapter, Treasurer

      Insurors of Tennessee / Independent Insurance Agents & Brokers of America

      Honorable Order of the Blue Goose International, Middle Tennessee Pond

      Girl Scouts of America - Adult Leader & Troop Treasurer

      Theta Chi Fraternity - Past NSU of LA Chapter President & Alumni Chapter President

      Last updated: November 2020


      David A. Thompson, CPCU, AAI, API, CRIS, is a longtime volunteer on the VU faculty. After receiving his college degree from Mercer University in Macon, Georgia and serving eight years as a commissioned officer in the U.S. Army and U.S. Coast Guard, David began his insurance career in a family-owned independent agency in Vero Beach, Florida where he was a licensed agent selling all types of insurance.

      In 1996 David accepted a training & education position with the Florida Association of Insurance Agents in Tallahassee, Florida (FAIA) where he presented thousands of insurance education seminars throughout the country on a variety of property and casualty insurance subjects. He has presented hundreds of seminars dealing with insurance agent errors and omission issues and uses a creative approach of involving defense attorneys and plaintiff attorneys on panel discussions. He most enjoys personal lines issues, flood insurance, commercial auto, commercial general liability, and commercial property issues. He has served as a consultant to plaintiff attorneys and defense attorneys on a variety of cases involving insurance agent negligence.

      David is now self-employed doing insurance education and consulting for a variety of entities around the country. For over two decades he has performed technical coverage analysis on numerous types of insurance policies and has provided coverage opinions for both plaintiff attorneys and insurance agent errors and omissions defense attorneys. He is recognized as one of the foremost authorities on insurance coverage analysis in the country.

      When not busy reading insurance policies, David enjoys running, biking, hiking, traveling, cooking, and smoking the world's best BBQ.

      Last updated: June 2022
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      Edward B. Scheinuk, CPCU serves as Area Executive Vice President of Arthur J. Gallagher & Co. in New Orleans, Louisiana where he provides risk management and insurance counsel to regional, national, and international commercial accounts. 

      Ed is a native of New Orleans. He graduated from the University of New Orleans with a Bachelor of Science degree in Business Administration and a minor in Computer Science in 1981. Subsequent to that, Ed moved to New York where he worked as an underwriter at CG/Aetna Insurance Company and attended The College of Insurance, now part of St. John's University. In 1982, he completed the requirements for and received a Professional Diploma in Risk and Insurance from the College of Insurance. Ed returned to New Orleans in 1982 and commenced work serving the requirements of commercial clients. In 1984, he was designated a Chartered Property Casualty Underwriter by the American Institute of Property and Liability Underwriters.

      Ed currently serves on the 'Ask an Expert' panel of Independent Insurance Agents & Brokers of America, Inc.  He was a founder and served as a director of ConfirmNet Corporation from 1998 until its 2008 acquisition by Ebix, Inc. Ed's professional affiliations include The Society of Chartered Property and Casualty Underwriters and the Risk and Insurance Management Society.

      DeimlingGreg.jpgGreg Deimling, CPCU, ARM, AMIM is a principal in Malecki Deimling Nielander and Associates, LLC. He has been in the insurance and risk management industry as an agent and consultant for over 35 years. Mr. Deimling provides Risk Management and General Management services to a diverse group of both public and private firms and individuals.

      Greg is a principal in Malecki Deimling Nielander and Associates, LLC.

      Mr. Deimling brings a unique set of skills and abilities to each assignment. He is well versed and competent in a variety of fields. This unique combination of hands on learning, formal training, volunteer and civic involvement coupled with life experiences provides the client a solid return for their consulting investment.
      He has been in the insurance and risk management industry as an agent and consultant for over 35 years. Mr. Deimling provides Risk Management and General Management services to a diverse group of both public and private firms and individuals covering a wide range of subject matter and assignments. He provides litigation support and assistance as an expert witness regarding insurance coverage interpretation, policy formation, technical analysis of insurance contracts and agent, broker and insurer standards of conduct. Many of his assignments involve his negotiation and problem resolution skills and techniques, whether in a business setting or in the support of pending or actual litigation.
      Mr. Deimling began his insurance career in 1970, upon his discharge from active duty with United States Air Force. He spent the next twenty three years associated with a family owned independent insurance agency, Globe Insurance Agency, Inc. eventually serving as president until 1993. As an insurance agent, he sold and serviced accounts from the smallest to large, both individual and commercial enterprises. He is a licensed insurance agent in the State of Ohio and a licensed Insurance Consultant in the Commonwealth of Kentucky. Currently, he maintains an affiliation with agency as a principal and a member of the management team.
      In 1989 he founded Globe Business Services, Inc a risk, insurance and management firm to provide consultative services to wealthy individuals, public and private concerns on a wide variety of insurance and management topics. This firm became the predecessor to Gregory G. Deimling and Associates.
      Mr. Deimling received his CPCU Chartered Property and Casualty Underwriter designation in 1976 and has a history of twenty years volunteer involvement at the national level. A member and past president of the Society's Cincinnati Chapter, and a member of the CLEW Consultants, Legal, and Expert Witness Section, he has also served nationally as Secretary-Treasurer, regional vice president, East Central Region, national governor, member of the Strategic Planning Committee, and chairman of the Interest Sections Governing Committee and Budget and Finance Committee.
      In addition to earning the CPCU designation, Deimling also holds the AMIM Associate in Marine Management and ARM Associate in Risk Management designations from the Insurance Institute of America and is a graduate of the National Leadership Institute and an instructor for the Institute. He also maintains qualification in the Continuing Professional Development Program.
      Mr. Deimling is a graduate of the University of Cincinnati with a undergraduate degree in Business Administration with an insurance major. He received his Masters of Business Administration, majoring in Finance from Xavier University in 1980.
      Additional professional affiliations include the national and Ohio Association of IIABA, the Risk Education Society, Cincinnati Insurance Board, and ACORD.


      Jjaywilliams.jpgay Williams, CIC, CRM, AAI, AIP, ACSR is a veteran of the insurance industry, starting his career in 1979. His agency history includes being a producer, setting up and managing an agency marketing department, commercial lines manager, VP/agency operations manager, and an agency owner. 

      Jay worked with the Florida Association of Insurance Agents (FAIA) starting in 2000 as a sub-contractor and subsequently became a staff member in May of 2001. He was the Managing Director of FAIA Member Services, Inc., the Association’s for-profit subsidiary.  In that capacity, Jay wrote and edited the study manuals for both the FL Agent and FL Adjuster licensing exams while also serving on the Exam Review Committee.
      In 2009 Jay was recruited by Bankers Insurance Group to be the President of Bankers Underwriters, Inc., their sales and marketing subsidiary. At the same time, he was also made President of Bankers Employer Services, Inc., their Professional Employer Organization set up for the purposes of distributing Workers’ Compensation through their Independent Agent network.
      In 2012 Jay became the VP of Sales and Agency Relations for UPC Insurance Company based in St. Petersburg, FL. Prior to stepping down from that position, he was instrumental in taking the company from single-state model to a multi-state organization currently writing in nine states and licensed in 18.
      Jay most recently served as the Interim CEO for Applied Client Network, the association of member users of Applied System agency management software. He was instrumental in the successful transition to their new relationship with SmithBucklin. 
      Jay has been teaching formal insurance classes since January, 2000.  He began teaching the Florida 200-hour pre-licensing class. While with FAIA/FMS, he taught numerous technical insurance classes.  In addition, Jay is a highly respected authority on agency E&O loss control. During his term at FAIA/FMS he served on IIABA’s Loss Control Working Group for a number of years and was a member of the Professional Liability Committee for IIABA that oversees the national Big I E&O programs when he left FAIA in 2009. His experience on the agency, association, and company sides gives him a uniquely rounded perspective on the insurance industry.
      Jay is currently a consultant to insurance companies, associations, and industry-related partners. In addition to teaching classes across the country, he also serves as an expert witness and a subject matter expert.
      3 2016
      LuceyJean.jpgJean E. Lucey, CPCU is the former Library Director for the Insurance Library Association of Boston.
      University at Albany (New York)
      BA in English (Spanish minor), 1968
      Masters in Library Science, 1969
      Chartered Property Casualty Underwriter designation conferred 1986
      Work experience:
      Librarian and substitute teacher, Central Square Public Schools, Central Square, NY, 1969-1973
      Tucker-Smith Insurance Agency, Delmar, NY, 1973-1979
      Insurance Library Association of Boston, 1979-2012 (Director 1980-2012)
      I am a participant in the IIABA’s Virtual University program.
      The independent Tucker-Smith Insurance agency sold and serviced a book of business that was roughly 70% personal lines, 30% commercial. During my first year with the agency, I obtained my New York State broker’s license. I dealt with insureds directly, both in and out of the office, and developed my own book of business at the urging of the agency owner.
      Upon a move with my husband to Boston in 1979 when a job opportunity presented itself to him, I began working at the Insurance Library Association of Boston. When the then-Director left in early 1980, I became the Director, serving in that role until retirement from it in November of 2012. My responsibilities at the Library, in addition to administrative functions and oversight of an extensive education program, included the performance of reference and research work regarding insurance and insurance coverage. Some of the research was responsive to inquiries from consumers, but the majority (80%) was initiated by insurance agents, expert witnesses and consultants, and attorneys.
      I have a strong grounding in all property/casualty lines of insurance and am familiar with many nuances of coverage. Perhaps more important, I recognize when a better understanding of any particular matter is necessary, and know how to perform effective, targeted research. Such research is clearly most productive when primary sources, such as bulletins and notices from the Insurance Services Office, are available.
      In terms of coverage, my particular areas of strength are:
      • Commercial General Liability
      • Commercial Property
      • Homeowners and personal auto
      Functional strengths include:
      • Summary and analysis of policy language and terms
      • Underwriting
      • Agents’ legal responsibilities
      Jean E. Lucey, CPCU
      1313 Washington Street, Apartment 424
      Boston, MA 02118
      ​About the Insurance Library Association of Boston
      The Insurance Library Association of Boston was founded by industry leaders in 1887 and has operated continuously since that year. The collection has grown in the intervening years and now encompasses materials both historical and contemporary, all of which are cataloged by subject-specific librarians. That means that a volume from 1885 may well sit on a shelf next to one from 2009 if their topics are the same. We subscribe to scores of insurance periodicals, all of which we index in a proprietary database. And of course, some of our patrons’ information needs are best met through use of the online services to which we subscribe, many of which might prove prohibitive in cost to those patrons.
      We like to think that we can provide information on any insurance-related subject, old or new. Sometimes that means we are tracing an insurance company that merged, changed its name, or was dissolved in decades past (we always like it when we can find a current incarnation). Sometimes we are finding items from the insurance trade press that talk about changes in standard coverage forms that are contemporary to when those changes were being made and shed light on the rationale. Sometimes we are finding case law interpreting various policy provisions. Every day seems to bring something new.
      An education program begun in 1890 still makes available a wide variety of insurance-related courses including classes addressing the curriculum of the Insurance Institute of America and the Chartered Property Casualty Underwriters. Special seminars provide focus on more specific subjects and issues.
      We are a non-profit 501[c][3] organization and receive no public funds. We are open at no charge to members of the public, including students, who have a need for the information we can provide. Our main sources of support are annual membership dues and revenue from our education programs, supplemented by research fees. Members are charged nothing in additional to document provision charges (scans, photocopies and the like) if we are answering an uncomplicated “reference” question for them. If we are asked to perform in-depth research into a particular subject, members are charged a reduced hourly rate: non-members pay a higher rate, and are required to pay for at least one hour of our time up-front.
      Our members number some 425 individuals and firms from states all over the country. Anyone who needs reliable information about insurance can benefit from a membership. Much additional information about the Insurance Library Association of Boston and its activities can be found on our website at The website also facilitates email communication with the staff, and can be used to establish a membership or register for a class.
      Last Updated: November 2020
      Jerry Kennedy.jpgJerry L. Kennedy, CICowns and manages an agency in Grand Coulee, Washington. He has long been an advocate of professional continuing education and is a National Faculty member and Educational Consultant for The National Alliance. He served as a member of the Board of Governors for the Society of Certified Insurance Service Representatives (CISR) from 1995-2001.
      Active in the industry, Jerry served on the technical committee of the Independent Agents of Washington and chaired the Far West Agents conference, a technical forum with Insurance Services Office. He currently serves as faculty for the Big “I” Virtual University. Jerry was honored by the PIA of Washington/Alaska as "Agent of the Year" in 1994 and served as President of the Association in 1997-1998.
      Jerry is an active volunteer in his community having served as Chamber of Commerce president, School Board chair, church treasurer and volunteer firefighter. He received the Award of Merit for his service to Scouting. In 1995, he was named "Business Person of the Year" by the Grand Coulee Dam Chamber of Commerce. He currently serves as Treasurer of the Grand Coulee Dam Rotary Club, as well as on the Board of Commissioners of a local hospital, Coulee Medical Center.
      Jerry L. Kennedy, CIC
      Foisy & Kennedy, Inc.
      P.O. Box 69, Grand Coulee, WA 99133
      Office: 509-633-0410 x16
      Fax: 509-633-2905

      Last updated: November 2020
      Pictures - Jim 201555.jpgJames R. Mahurin, CPCU, ARM is a risk management and insurance consultant providing fee-for-service assistance to the insurance buyer. He performs risk identification studies and audits the technical quality of commercial insurance programs in relation to identified risk. Jim also prepares documents for the insurance buyer to use in seeking proposals from insurance providers and helps the buyer evaluate proposals received from the insurance industry. A small part of his practice is litigation support and expert witness work for law firms. For information about his consulting services, contact Jim at 207 Third Avenue, North, Franklin, TN 37064, 615-790-0083, or visit his website at Click Jim's photo to email him.
      Jim has had consulting projects from Alaska to Florida, Maine to Oregon. Clients include contractors, colleges, mines, adventure sports, financial institutions, public entities, oil spill response organizations, national lobbying organizations, destination resorts, public pollution funds, national unions, condominium developers, interstate toll highways, law firms, and a host of others.
      He has had substantial experience with pollution liability and pollution remediation funding. He developed a state pollution remediation/financial responsibility insurance fund for petroleum storage tanks in 1990 that was cited by the U.S. Environmental Protection Agency in 1997 as one of four models for states with troubled funds to consider in the redevelopment of their programs.
      Jim entered the insurance industry as an Aetna C & S marketing representative in 1973. He spent nine (9) years as an independent agent. The consulting practice was opened in late 1984. Jim is author of Personal Risk Management Survey published by the International Risk Management Institute and several senior level seminars.
      Jim has been president of CPCU chapters in two states. He is a member of the Society of Risk Management Consultants and serves on the board of directors.

      Last updated: November 2020


      John R. Chesebrough, CPCU, CLU, ChFC, ARM, AU, AIM, AINS is currently an Insurance Consultant with Chesebrough Associates. He is married, has three children, six grandchildren, three great grandchildren and resides with his wife, Carol, in Orlando, Florida.
      Before entering the insurance industry, he served during the Korean conflict as an army officer after graduating from UCLA. Twenty years ago, he retired from Farmers Insurance Group after 42 years with expertise in underwriting, management development and training programs.
      John continues to stay active in the insurance industry by teaching insurance courses for the Insurance Educational Association (IEA). Currently, he is active with the Central Florida Chapter of CPCU. He was the Charter President of the Idaho Chapter of CPCU and has fulfilled the requirements of the CPCU Continuing Professional Development Program since its inception. He was active for many years with the Los Angeles Chapter of CPCU, serving in various leadership capacities.
      John served two terms on the Society of Insurance Trainers and Educators’ (SITE) Board as Western Regional Vice President. He also served four years on the Insurance Institute of America’s Advisory and Examination Committee.
      John has been an insurance teacher for over 50 years and has received numerous awards as recognition of his significant contributions to the insurance industry. He has written published insurance articles for SITE (Society of Insurance Trainers and Educators) and Underwriting Trends, a newsletter published by the Underwriting Section of the Society of CPCU. He co-authored an article called "Personal Umbrella Liability Insurance - A Critical Analysis" which was published in the June 1995 issue of the CPCU Journal. Active membership is maintained in the Society of CPCU and SITE.
      During his extensive property and casualty insurance career, he developed numerous underwriting training programs and assisted with the editing of several insurance textbooks.
      He received the CPCU designation in 1967 followed by designations of CLU, ChFC, ARM, AU, AIM and AINS.
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      JoLynda Hayes, CLCS, CISR, AIS, AINS is currently a Client Service Supervisor with Arthur J. Gallagher Risk Management Services, Inc. She began working in the insurance industry in 2004. 

      Active in the insurance community, JoLynda is the co-chair of Gallagher's Inclusion & Diversity – Talent Subcommittee. She has also served as an officer with Insurance Association of Greater Des Moines, Inc. (IAGDM). JoLynda works as a consultant with Prometric to write and review license exam questions as well. 

      JoLynda graduated Magna Cum Laude with a Business Administration/Management degree from Grand View University. In addition to her education, she has earned her Commercial Lines Coverage Specialist (CLCS), Associate in Insurance Services (AIS), and Associate in General Insurance (AINS) designations.

      Last updated: November 2020

      Laurie VanderWal is a licensed insurance professional with 30+ year experience and is currently an independent insurance agent.  She has been speaking and training on cyber issues including identity theft and data breach management for 15 years.

      She has developed a portfolio of curriculum for insurance professionals with both traditional subject matter and cyber related topics including compliance and ethics for today's technology culture.  She offers training in risk management on privacy and security of data that will assist business in managing their liability and vulnerability to a data loss. 

      Lee-Hoffman.pngLee Hoffman, CIC, LIC, CPIA has been an insurance professional since 1971. He is well known within the industry and has authored articles on insurance coverage, claims, and related matters. He is the owner of Lee M Hoffman & Associates, LLC, an insurance litigation, claims and enterprise risk management consulting firm and has served as both Consulting Expert and Testifying Expert. He provides enterprise risk management consulting to corporate counsel and executives on matters related to insurance, M&A, and contract negotiations related to insurance, indemnification, and risk transfer agreements. 

      He is an agent, risk manager and insurance coverage and contract consultant with 1st Source Insurance of South Bend, Indiana and is a former owner of the Hoffman Insurance Group, Taylor & Moyer Insurance Agency and former manager of the Independent Insurance Center of Petosky Michigan.

      He has earned the designations of Certified Insurance Counselor (CIC), Licensed Insurance Counselor (LIC), and Certified Professional Insurance Agent (CPIA). He holds licenses in Indiana as a P&C and Life, Health and Accident Agent and in Michigan as Non-Resident P&C Agent and Licensed Insurance Counselor. He is a Michigan Licensed Residential Builder and is on the Southwestern Michigan College Board of Advisors for their Construction Trades Program.

      He is Past President and active member of the American Association of Insurance Management Consultants (, the industry's leading trade association for fee-based insurance and risk management consultants, educators, and court experts.

      Mr. Hoffman is also a former member of the Michigan Association of Property & Liability Insurance Counselors (MAPLIC) and served on the Citizens/Hanover Insurance Co. Indiana Agents Advisory Council, Indiana & Michigan Agents Advisory Council and the Agency/Company Automation Advisory Council.

      Mr. Hoffman has authored numerous insurance and legal articles including:  

      • “Michigan Bureau of Workers' Disability Compensation - Worldwide Jurisdiction?", The Journal of Insurance & Indemnity Law Volume 7 Number 4, October 2015, State Bar of Michigan Insurance & Indemnity Law Section.
      • “Indiana Affected by Michigan Workers' Compensation Law", FOCUS Magazine of the Independent Insurance Agents of Indiana, March/April 2015.
      • “Attorney's role in making sure client is properly insured", The Indiana Lawyer, VOL. 10, NO 2, February 2 – February 15, 2000
      • “Keeping contracts from conflicting with coverage", American Agent & Broker Magazine, September,1999
      • “Personal Injury' and other confusing words and phrases", Insurance Advisory - for Attorneys, April,1999
      • "Leases and the landlords right of subrogation", Insurance Advisory - for Attorneys, October,1999
      • "Indemnification and the purchase order agreement", Insurance Advisory - for Attorneys, July,1999
      Lee M. Hoffman CIC, LIC, CPIA
      South Bend, Indiana

      Last updated: May 16, 2022

      MK.bmpMarshall Katz, MS, LUTC, CIC, LIA, AAI, CCLP currently teaches fulltime for the Massachusetts Association of Insurance Agents on a variety of subjects from personal lines licensing to CICR & CIC designation programs. Marshall started in the industry working for a direct writer in their personal lines sales department and after many years with them opened his own independent agency. The agency wrote personal and commercial lines as well as life and health products. He juggled agency duties with teaching classes and working many youth programs in the town he lived in for 24 years and has since sold the agency to be able to concentrate on facilitating classes. Although he has back writing insurance for select accounts through a local agency.

      Marshall has a Bachelor’s degree from Clark University with a major in accounting and a Master’s degree also from Clark with a major in Marketing Communications. He is a licensed producer in MA, CT and RI and a licensed insurance advisor in MA and an avid golfer, pickleball player and woodworker.

      Marshall’s classes employ the use of PowerPoint visuals and he gladly shares those with his classes as support to the material being presented. If you desire a course PowerPoint that I might have, feel free to email me your request:

      Last updated: November 2020
      MG Head Shot.jpgMichael Gay, MA, CPCU, AAI, AAI-M, AIS, ARM, ARM-P, CRIS is the National Sales Manager – Coach & Insurance for Volvo Financial Services, Inc., a part of the AB Volvo Group.

      Michael has been in the Property & Casualty insurance business since 1983, when he began his insurance career by founding a risk management consulting firm. There he conducted risk management and alternative insurance program studies for local, state, quasi-governmental, and federal agencies; national and regional trade asso
      ciations; and privately-held commercial enterprises.

      In 1985, Michael co-founded a managing general agency/underwriter specializing in public entities, transit operations, commercial towing companies, automobile dealerships, and specialty errors and omissions programs. When this company was sold in 1990 to a national brokerage operation, Michael continued with this broker, where he served as the Executive Vice President of Underwriting for Specialty Programs. In 1992, Michael opened a personal lines retail agency for a local bank and expanded the agency's reach into an eleven-county area of North Carolina. In 1992, Michael also started a commercial insurance agency and operated that agency until it was sold to a key employee in 2004. In 1998, Gay founded a Program Manager, writing public entities on behalf of a large, national insurer. This company was sold in 2003 to a national brokerage operation. Following a two-year sabbatical, in 2005 Michael went to work for a regional transportation managing general agent as its Director of Marketing. In 2008, Michael went to work for Volvo Financial Services to run their national insurance operation, Volvo Insurance Services, where he is currently employed as the National Sales Manager of Coach & Insurance.

      In 1991, Gay qualified with the North Department of Insurance to teach insurance continuing education classes. Michael teaches continuing education classes, and provides litigation support to attorneys as a property and casualty insurance expert witness in the areas of complex insurance coverage issues, and insurance agents' duties and responsibilities.

      Michael has earned the professional insurance designations of Accredited Advisor in Insurance (AAI), Accredited Advisor in Insurance - Management (AAI-M), Associate in Insurance (AIS), Associate in Risk Management (ARM), Associate in Risk Management – Public Entities (ARM-P), Certified Insurance Consultant (CIC), Chartered Property & Casualty Underwriter (CPCU), and Construction Risk & Insurance Specialist (CRIS). He holds a property and casualty insurance license in 49 states. He graduated 
      Summa Cum Laude from Liberty University with a B.S. Degree in Interdisciplinary Studies, and Summa Cum Laude from Liberty Theological Seminary with a Masters of Religion.

      Michael is a member of the Independent Insurance Agents of North Carolina and serves on its Technical Services Committee; the Insurance Literary Institute; the North Carolina Department of Insurance Continuing Education Advisory Group; the North Carolina Surplus Lines Association; the Society of CPCU; and the Coverage, Litigators, Educators, and Witnesses Interest Group (CLEW) of the Society of CPCU, where he also serves as its Newsletter Editor.

      Michael has authored more than 65 continuing education courses and instruction guides and taught continuing education courses to 6,500+ insurance agents, adjusters, and paralegals.

      Michael is married and has two adult children. His current hobbies include reading about the Civil War and Ancient History.

      Last updated: November 2020


      Nancy Germond, MA, ARM, AIC, ITP, SPHR, SHRM-SCP, is Executive Director, Risk Management and Education, for Big 'I' national. With more than three decades of insurance experience, she gives her unique insights and abilities as an insurance marketing specialist, trainer, and consultant. She is a second-generation insurance professional and an accomplished risk and claims manager. Nancy has authored scores of risk-management related articles and presents to organizations like the Public Risk Manager Association (PRIMA), claims associations, and the Society for Human Resources.

      After working as an adjuster for Fireman's Fund, Nancy entered the public sector at the Association of Bay Area Governments. She went into school administration as the claim manager for the Alliance of Schools for Cooperative Insurance Programs. She was the first risk manager of the City of Prescott, Arizona, taking that city from no insurance to a highly sophisticated self-insured program. She then became the risk and claims manager for Missouri Automobile Dealers Workers Compensation Trust.

      Nancy is the former PRIMA Arizona chapter president. She is active in her community and is a founding board member of the Arizona Work Disability Prevention Association.

      Nancy graduated with High Honors from Mills College and earned her Master's in Sociology from Lincoln University. She has earned the Associate in Risk Management designation, the Associate in Claims designation, and is a certified Insurance Training Professional. Nancy also holds the prestigious Senior Professional in Human Resources designation. Nancy's humorous presentations offer insight into day-to-day insurance operations, while also addressing societal impacts on today's insurance industry.

      Last updated: July 26, 2022

      DeemPatrick.jpgPatrick A. Deem, Sr., CIC is a Licensed Risk Manager in Texas where he founded Risk Management and Insurance Education Services in Austin, Texas, an independent company which serves insurance companies, agents and insureds. Patrick holds the Certified Insurance Counselor (CIC) designation that he obtained in the spring of 1984. He has been a member of the Society of CIC’s National Faculty since 1986 and has lectured and consulted around the country.
      Patrick Deem began his insurance industry career in December of 1969 with the USF&G Insurance Company in their Louisville, Kentucky Branch Office. With over thirty years in the insurance business, Patrick has been an Underwriting Manager, Sales Manager, Excess and Surplus Lines Underwriter, and an Independent Insurance Agent.
      Patrick has published several articles and conducted numerous seminars on the technical subjects of property and casualty insurance for both Insurance and Trade Associations on a state and national basis. In addition, Patrick has been engaged as an insurance consultant and testified as an expert witness in various fields associated with the insurance industry.
      Currently, Patrick is a Licensed Risk Manager in Texas where he founded Risk Management and Insurance Education Services in Austin, Texas, an independent company which serves insurance companies, agents and insureds.
      Patrick holds the Certified Insurance Counselor designation that he obtained in the spring of 1984. He has been a member of the Society’s National Faculty since 1986.

      Paul Martin, CPCU is an Director of Academic Content for National Alliance for Insurance Education and Research located in Austin, Texas where he works to develop, maintain, and deliver quality educational programs for the organization.  Prior to joining the National Alliance, Paul worked across the insurance industry in a wide variety of roles. 

      He served as the director of education for the Independent Insurance Agents of Texas and Myron Steves, a Texas wholesaler; as vice president of sales for, as a partner in a Mississippi independent agency Davis & Sons, as a commercial underwriter for Employers Casulty, and multi-lines adjuster in Texas

      He is a graduate of Texas A&M University Mays School of Business, and completed his Chartered Property and Casualty Underwriter designation in 1994.   He has devoted over 20 years to the research and development of practical educational solutions for independent insurance agents and other licensed professionals.

      Last updated: August 26, 2022


      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

      Richard Faber, CPCU is the owner Co-Founder of Underwriter's Resource, LLC, which is the premier source for commercial insurance expertise. Underwriter's Resource accomplished this goal through direct consulting, developing customized continuing education curriculum, and coaching. It is Richard's passion to share the knowledge, expertise, and wisdom he acquired over the 4 decades working in the commercial property-casualty insurance industry. Richard is a frequent content contributor, speaker, and instructor for the Institutes, the Insurance Journal Academy, and other insurance industry forums focusing on teaching pragmatic fundamentals.

      After graduating from Cleveland State University in 1980 with a degree in Marketing and Economics, Richard began his insurance career as an underwriter trainee with USF&G.

      Enough of the 3rd party eulogy talk!  I'm still alive and here's what I am about. I have been in commercial underwriting for 4 decades, in a variety of roles including underwriting specialist, underwriting consultant, and underwriting manager. I ran the western USA underwriting operations at Mitsui Sumitomo for 6 years. I've always said I am the world's greatest underwriter. Attaining my CPCU designation in 2013, I officially claimed the title. 

      Over my career, I've seen risks handled well for the benefit of all parties, but too often I've seen us fail our clients. Quite bluntly, we are losing focus on doing the very best for our insureds. In 2018, I co-founded Underwriter's Resource, LLC with my wife Sharon, a career independent agent, focusing recovering those fundamental skills the industry has lost. I am an approved Continuing Education instructor in several western states creating unique curriculums to bring some of those skills back.

      In addition, I am a frequent online and in person speaker presenter for the CPCU Society and the Insurance Journal Academy. I published articles for a variety of online insurance industry sites including the CPCU Society's Insights, Insurance Nerds. I create content for my own commercial insurance blog at

      I can be reached at

      Last updated: July 2022

      Federici-123.jpgRobin C. Federici, CPCU, AAI, ARM, AINS, AIS, CPIW has been writing and presenting insurance education programs to the insurance industry for over 30 years. She formed Insurance Education & Training Associates (IETA) in 2003, after serving the Independent Insurance Agents of Rhode Island (IIARI) for sixteen years; first as Director of Education and subsequently as Assistant Executive Vice President. 

      This followed a lengthy career in both underwriting and sales with insurance agencies and companies. Even during her agency and company days, Robin created education courses to present to her peers as a volunteer instructor for IIARI.
      Robin is the author of Swiss-Re’s current E&O program – “E&O Management – Meeting the Challenge of Change”. Her extensive and varied background, coupled with her knowledge of both the agency and company operations, and her love of teaching, adds a unique dimension and immediate and practical value to the programs she presents to insurance professionals countrywide.

      Last Updated: November 2020

      Sam Bennett, CIC is an active retail producer, presenter, and shareholder in Harrison Agency, Inc. of Columbia, MO. He began his insurance career in 1987 and has been an Independent Insurance Agent from the beginning. He has worked with individuals, families, and small businesses his entire career. In this capacity, he has worked personal lines, commercial lines, agribusiness, and life and health marketplaces. As a result of working with many types of clients, many carriers, and many coverage needs, Sam has grown to understand and appreciate the many important ways an insurance professional must work with markets and clients in today's insurance world.

      Sam obtained his certified Insurance Counselor (CIC) designation in 1996. He has taught coursework for the National Alliance in their CISR program since 2004 and in 2009 became a National Faculty Member of the Society of CIC. Sam also is a National Faculty Member in the Agribusiness and Farm Insurance Specialist (AFIS) program and IRMI's Construction Risk Insurance Specialist (CRIS) program. He has been called upon to offer insurance education in conference and symposiums across the country over the past fifteen years and has provided services to several law firms in the capacity of expert consultant.

      Sam is Past President of the Missouri Insurance Education Foundation.

      Picture1.jpgScott Bushnell, CPA, CFF is the founder and CEO of Business Interruption Consulting, LLC, a full-service Forensic Accounting consulting firm. Scott began his career in 1995 after graduating from Southern Methodist University's Cox School of Business with a Bachelor of Business Administration degree in accounting. His first foray into the insurance industry was working as a Forensic Accountant for Campos & Stratis auditing business interruption claims for adjustors and insurance companies. Through his career he moved up to Deloitte & Touche, followed by Ernest & Young, Marsh, and finally Crawford & Co. where he served as a regional managing director for forensic accounting in Sydney, Australia.​

      Upon returning to the United States, he started Business Interruption Consulting to assist clients with analyzing, documenting, and quantifying complex first party Business Interruption claims and provide expert witness services for clients in litigation.

      Mr. Bushnell has assisted both insurance companies and insureds in a variety of industries and businesses with complex business interruption, property damage, and fidelity claims. He has testified in both state and federal court in a variety of cases. Additionally, he has provided fraud investigation related to claims and commercial disputes.

      Mr. Bushnell has authored several articles in insurance journals regarding business interruption and complex claims. He routinely provides education on business interruption, damages, and forensic accounting to insurers, brokers, attorneys, and accountants. 

      Last updated: May 18, 2022

      LeMayScott.jpgScott M. LeMay, CRM, ARM, CIC, is the president of  LeMay+Lang, LLC.  Click Scott's photo to email him.
      Scott M. LeMay, CRM, ARM, CIC is the president of LeMay+Lang, LLC, a diversified financial consultancy. Scott has worked in commercial property and casualty insurance for over thirty years.
      Scott earned the Certified Risk Manager (CRM) credential from the Society of Certified Risk Managers. He holds an Associate in Risk Management (ARM) designation from the Insurance Institute of America, and he earned the Certified Insurance Counselor (CIC) credential from the Society of Certified Insurance Counselors.
      Scott has taught professional continuing education and certification courses in insurance, including the C.I.C. program. He has written articles published in financial journals, and has been a contributing editor to books dealing with financial valuation.
      Scott holds a Master of Business Administration (MBA) degree from the University of Memphis and a Bachelor of Science degree in Business (BSB) from the University of Minnesota.
      Before starting his own practice, Scott was an award-winning account manager, district sales manager, and region manager for a specialist insurance company that insured primarily dealership operations. Among his awards was recognition as Commercial Producer of the Year, President's Club Member, and frequent award trip winner. He has been a corporate officer and project manager with Marsh, Inc., and Sedgwick, Inc., the largest and third largest (at that time) international insurance brokerages.
      Prior to working in risk management, Scott served with distinction in the United States Army with the 4th Infantry Division and with Supreme Headquarters, Allied Powers, Europe (SHAPE) in Belgium, and practiced industrial engineering at the John Deere Harvester Works in East Moline, Illinois.

      Scott M. LeMay, CRM, ARM, CIC
      LeMay+Lang, LLC
      Independent Risk Management...Our Only Allegiance Is To Our Client 
      7989 Stonewyck Road
      Germantown, Tennessee 38138

      stephen2.jpgSteven A. Coombs, CPCU, ARM joined Risk Resources as president in 1992. Risk Resources is a risk management and commercial insurance consulting firm based in Indiana. Risk Resources does not sell insurance and provides consulting services on a fee-for-service basis. Common projects include risk management and insurance audits, insurance RFPs/proposal management, agent/broker selection, risk financing studies, litigation support and testimony.

      Before joining Risk Resources, Mr. Coombs served as a risk management consultant with a national consulting firm for 8 years. Prior to that, he spent 7 years developing his skills as a national accounts underwriter for a large international insurance group. He has extensive knowledge and experience regarding risk management and insurance.  He is co-author of The Builders Risk Book (IRMI 2019) and Workers Compensation Guide:  Coverage and Financing (The National Underwriter Co., 2016). He has written numerous articles on insurance coverage and practices. He is also a former President of the Society of Risk Management Consultants.

      Mr. Coombs is a graduate of Western Michigan University with a Bachelor of Business Administration. He holds an M.A. from DePaul University with a concentration in Risk Management and Insurance. He has earned the Chartered Property Casualty Underwriter (CPCU) designation from the Institutes and the Associate in Risk Management (ARM) certificate from the Insurance Institute of America.

      His CV and other information about Risk Resources is available at

      Steven A. Coombs
      Risk Resources, Inc.
      4 Shore Drive
      Ogden Dunes, IN 46368
      (630) 617–5229

      Last updated: November 2020

      Stuart.jpgStuart Powell, Jr., MA CPCU, CIC, CLU, ChFC, ARM, AMIM, AAI, ARe, CRIS is an Independent Insurance and Risk Management Consultant and Executive VP with Northport Affiliates, LLC.

      Stuart has been personally involved in the insurance business for over 45 years. He joined the staff of IIANC as Director of Education in 1995.  In 2004 Stuart became Vice President of Insurance Operations and Technical Affairs for IIANC.  As VP of Insurance Operations, he managed the designated insurance agency for the State of North Carolina placing all coverages which the State does not self-insure, was administrator of the IIANC Errors and Omissions Insurance program of agents and managed the insurance benefits operations for members of the Association. In 2014 he served briefly as Interim CEO of the Independent Insurance Agents of North Carolina, Inc., IIANC Member Services, Inc., and the North Carolina Association of Insurance Agents, Inc.  After retiring from IIANC, Stuart spent a year as an Executive in Residence in the Walker College of Business at Appalachian State University where he taught insurance courses to risk management and insurance majors. Stuart continues to teach, write, is a frequent speaker on insurance matters, serve as an expert witness on insurance matters and is a technical resource for 600+ agencies and 6,000+ agents that are members of IIANC.  Additionally, Stuart is Executive Vice Present for Risk and Insurance with Northport Affiliates, LLC, a contractor for the U. S. Department of Interior's National Park Service, providing insurance, risk management and certificate compliance services. 

      Prior to joining the IIANC staff, Stuart was the owner of The Powell Agency, Inc. of Reidsville, NC, a family agency whose roots can be traced back to the 1890's.  He has been a frequent instructor of insurance courses.  Stuart is on the National Faculty for the Society of Certified Insurance Counselors (CIC). He has taught in various CIC Institutes and Graduate Seminars.  He is the author of numerous articles on insurance and related matters. He is also a past president of the Piedmont North Carolina Chapter and a past board member for the Eastern North Carolina Chapter of the Society of CPCU.  Stuart served on the National Producer Advisory Council for Commercial Union Insurance Company from 1979-1981.  In 1991 he was presented the Ernest F. Young Education Award by IIANC. In 2014, IIANC endowed a scholarship in Insurance and Risk Management at East Carolina University in Stuart's name. In 2016, Stuart was given a Lifetime Achievement Award by IIANC and was made a member of The Order of the Long Leaf Pine, the highest civilian award given by the Governor of North Carolina.  He continues to serve on the Chairman's Advisory Committee for the North Carolina Industrial Commission and is a member of the Board of Directors for the North Carolina Community College Foundation, Inc.

      Stuart graduated from Catawba College in Salisbury, NC with a Bachelor of Arts in Religion and Philosophy. He received a Master of Arts degree from Wake Forest University in Winston-Salem, NC where he was the recipient of a Graduate Scholarship and Fellowship.  Stuart's graduate studies involved a group of Oxford University writers and scholars known as the "Inklings" which included J. R. R. Tolkien and C. S. Lewis among others.  Stuart has written articles and lectured on The Lord of the Rings and The Chronicles of Narnia.

      Stuart is married with two children and four grandchildren.  His current hobbies include studying classical languages, sailing, and fly fishing.

      Last updated: November 2020


      Ted Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS, is the owner/President of Kinney Training and Consulting, LLC, which specializes in providing quality insurance training programs to agencies and companies throughout the United States.

      Ted also serves as the Director of Education and Technical Affairs for the Alabama Independent Insurance Agents in Birmingham, Alabama. In this position he is responsible for developing agent education programs and providing technical assistance to association members.

      Ted has been in the insurance business since his graduation from the Ohio State University in 1973. During his career, he has worked as an underwriter, field sales manager, department supervisor, marketing specialist, trainer and insurance agent. From 1994 to 2003, Ted was the Director of Curriculum and Faculty Development for PIA of Ohio & Indiana. During that time he developed more than 150 training courses covering all aspects of the insurance industry.

      He has obtained several insurance designations including Certified Insurance Counselor (CIC), Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Underwriting (AU), Associate in Automation Management (AAM), Accredited Advisor in Insurance (AAI), Associate in General Insurance (AINS), Certified Professional Insurance Agent (CPIA) and Construction Risk and Insurance Specialist (CRIS). 

      He is a member of the national faculty of the Society of Certified Insurance Counselors, the American Insurance Marketing Society (CPIA) and the Independent Insurance Agents and Brokers of America's “ask the expert" service. In addition, Ted is a member of the Society of Certified Insurance Counselors and the National Academy of Producer Insurance Studies.

      Kinney Training and Consulting, LLC
      Dublin, OH
      Last updated: November 2020
      SpencerTom.jpgThomas C. Spencer, CPCU, CLU, ARM is the retired president of America One, a franchisor of insurance agencies with offices across Michigan. He has written, taught, and provided expert testimony as well as serving in various capacities with the Michigan Big "I" association. Click Tom's photo to email him.
      Currently serving as controller and insurance manager for a marine construction and ship repair firm, Spencer continues as president of InsuranSkills, Inc., a Michigan-based insurance consulting firm.  He is a CPA, has earned an MBA and holds the CPCU, CLU, and ARM designations. He is licensed in Michigan as a property, casualty, and life agent and a property/casualty and life insurance counselor.
      Mr. Spencer has owned and managed independent insurance agencies for over 45 years and has performed consulting services for attorneys, accountants, public entities, and businesses. He has provided expert testimony for the defense in a number of insurance agents E&O cases. He has taught insurance subjects at the college level and has written and presented continuing education courses for Michigan agencies.  His articles have appeared in CPCU Journal, Marine Business Journal, Issues in Risk Management, Michigan Banker, In ACORD, and Michigan Counties.
      Thomas C. Spencer, CPA, CPCU, CLU, ARM
      InsuranSkills, Inc.
      P.O. Box 279
      Rudyard, MI 49780

      Last updated: November 2020

      IMG_9506.jpgTim Wahl, CIC has been a licensed insurance agent since 1991 and earned his designation as a Certified Insurance Counselor. Tim serves as Chairman of the Missouri Independent Agents Coverage Advisory Committee where he writes articles to help agents nationwide understand complex policy coverage issues.

      Tim represents the Missouri Association of Insurance Agents at a national technical conference each year where he works to broaden and correct many of the policy forms used nationwide today. He was appointed to the Independent Insurance Agents & Brokers of America National Technical Affairs Committee serving 2014-2017 and is a faculty member of the Independent Insurance Agents & Brokers of America's Virtual University.

      Tim has proven to be a skilled liaison in working with insurance company managers and underwriters to secure the most efficient and cost effective insurance policies for his clientele. Tim has worked for Gallaher Insurance Group for 23 years; his current position is Commercial Lines Marketing Manager.

      In his free time he enjoys spending time with his family, fishing, biking, riding horses, and collecting insurance policies from the 1800’s.
      Gallaher Insurance Group
      P.O. Box 798
      Mexico, MO  65265
      573-581-8372 (fax)

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

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