Pauline Thomas, CRM, CIC, ARM, CISR Expert Witness

Contact this Expert Witness

  • Company: Effective Risk Management
  • Phone: (949) 251-1500

Specialties & Experience of this Expert Witness

General Specialties:

Insurance and Risk Management

Specialty Focus:

Insurance, Risk Management, Agent/Broker Standard of Care, MGA, Wholesale Intermediary, Excess & Surplus Lines, Underwriting, Insurance Industry Customs & Practices, Commercial Lines, Personal Lines, E&O, EPLI, Occurrence v. Claims Made, PEOs, Contracts, Certificates, Additional Insureds, Claims

Years in Practice:


Additional Information

51+ years experience. Insurance & risk management professional. Faculty Member, Big "I" Virtual University Independent Insurance Agents & Brokers of America Practice includes expert witness & transactional consulting. Personal & commercial insurance including property, inland marine, wet marine, builders risk, course of construction, general liability, automobile liability, workers compensation, homeowners, medical malpractice, employment practices liability, professional liability. Traditional insurance & alternative risk programs, captives, self-insurance, large deductibles, retrospective rating. Experience includes underwriting, retail & wholesale production agencies, general agent, excess & surplus lines & franchisor. Producer, agent and broker custom & practice and standard of care. Good faith, bad faith. Experience with design & marketing of insurance programs & design & interpretation of insurance clauses in lease agreements, construction and other business contracts, certificates & additional insured and PEO issues. Expert witness, state & federal courts,declarations, Rule 26 & 16B reports. Help lawyers and laypersons understand insurance and risk management industry transactions and customs and practices and standard of care. Assist lawyers with case review and organization.