Insurance Underwriting — United States

Insurance Underwriting Expert Witnesses provide opinions on the underwriting process of assessing potential customers’ risks and assigning them to the corresponding rate structure. The underwriting experts listed in this directory may testify in matters of insurance coverage and opine on insurance customs and practices in underwriting specific risks. 

This includes insurance underwriting experts who provide opinions on industry standards, alleged due diligence failures, negligence and fraud. These experts may opine on matters of assessing risks and the interpretation of specific policy provisions, including policy cancellations for assumed material changes in risks or moral hazards, the misrepresentation of the terms of policies in claim denials and due diligence failures leading to material misrepresentation or misleading disclosures which are relied upon when decisions to insure are made.

These insurance underwriting experts may also provide opinions on compliance with state and federal rules and regulations, including the use of consumer credit reports and compliance with the Fair Credit Reporting Act (FCRA), submitting false or inaccurate information about insured clients to insurance information databases, non-compliant underwriting rules and related matters.