Pauline Thomas, CRM, CIC, ARM, CISR

Over 52 years' experience with personal and commercial lines. Includes insurance company, retail agent / broker / producer, wholesale agent / broker / producer, excess and surplus lines, intermediary, managing agent, general agent, underwriting agent, risk management and insurance consulting. Licensed in 10 states. Past President, Society of Risk Management Consultants. Expert witness and litigation consulting provided to state and federal cases including case evaluation and organization, declarations, Rule 16B and Rule 26 reports, deposition and trial testimony.

Education, training and experience includes property, liability, casualty, inland marine, wet marine, bonds, fidelity, workers compensation, retail and wholesale producer, agent and broker duties, responsibilities, standard of care, coverage analysis and interpretation, marketing, rating, underwriting, audits, good faith, bad faith, self-insurance, interpretation of insurance clauses in business contracts, contractual liability, additional insured, certificates of insurance, retrospective rating, PEOs, claim denials, insurance and risk management custom and practice.