Gary R. Garcia Expert Witness
Curriculum Vitae

Contact this Expert Witness

  • Phone: (704) 604-9686

Specialties & Experience of this Expert Witness

General Specialties:

Insurance and Risk Management

Specialty Focus:

Property & Casualty Insurance, Business Insurance, Underwriting, Insurance Coverage, Alternative Risk, Loss Sensitive Rating Programs, Self-Insurance, Umbrella Insurance, Excess Insurance, Reinsurance, Managing General Agents


B.S. Mathematics, St. Lawrence University

Years in Practice:


Additional Information

Gary spent his entire career with insurance carriers, and all job roles included underwriting as part or total responsibility. At Royal Insurance, he served in various Home Office and Field management roles of increasing responsibility, including Home Office Commercial Casualty Executive, Regional Underwriting Manager and Regional Executive. He led the establishment and served as the Executive of a newly formed Property/Casualty Risk Management Division, responsible for large regional and national domestic U.S. and multinational clients. Following his 32 year career at Royal, Gary became the President and Chief Operating Officer of the U.S. operation of Mitsui Sumitomo Insurance Group. His broad range of expertise was gained through continuous involvement over the course of his career in increasingly complex coverage and program designs for domestic and multinational business. Development and effective management of these business segments required effective multifunctional teamwork including underwriting, actuarial, financial, legal, reinsurance, claims management, risk engineering, and client services. These functions were integrated into the Risk Management & Global Division at Royal and were part of his overall responsibilities at Mitsui Sumitomo. Gary's operational knowledge developed from both home office and field management experience in conjunction with a deep understanding of coverage and underwriting practices offers a unique perspective as a consultant and expert witness.