Michael Gay, CPCU, AAI, AAI-M, AINS, AIS, ARM, ARM-P, CRIS

I am a property & casualty insurance expert witness and litigation consultant with more than four decades of industry experience. My work focuses on agent and broker standards of care, coverage analysis, insurance industry practices, and litigation support.

Since 2008, I have served as a testifying and consulting expert in matters involving insurance agents and brokers, commercial property and casualty coverage, agency errors and omissions, insurance policy interpretation, insurance-to-value and replacement cost issues, certificates of insurance, risk transfer, and related insurance industry customs and practices.

My professional experience spans underwriting, retail agency ownership and management, brokerage operations, MGA/MGU and program administration, insurance company operations, risk management, executive leadership, consulting, and insurance education. This breadth of experience provides a practical foundation for evaluating how insurance is selected, placed, documented, communicated, and administered.

Retained by both plaintiffs and defendants. Opinions are based upon the facts, policy language, documentation, and accepted insurance industry customs, standards and practices—not the party that retained me.

I have taught insurance professionals since 1991 and have authored more than 60 insurance continuing-education courses and instructional guides. I am also co-author of Risk-Proof Your Business: The Complete Guide to Smart Insurance Choices.

CORE AREAS OF EXPERTISE

• Agent & Broker Standards of Care

• Agency Errors & Omissions

• Coverage Analysis and Policy Interpretation

• Insurance Industry Customs and Practices

• Commercial Property & Casualty Insurance

• Certificates of Insurance and Risk Transfer

I am available nationwide for consulting and testifying expert engagements.