Underwriting, retail and wholesale producer, agent and broker duties and standard of care. An insurance industry custom and practice and insurance policy coverage, interpretation, good and bad faith evaluation for business insurance programs. Provide evaluation, development and implementation of alternative insurance and risk management programs, including self insurance programs and captive insurance programs. Interpretation of insurance clauses in lease agreements, purchase agreements, and other business contracts in conjunction with contractual liability and additional insured endorsements. Provides property, liability, professional liability and workers compensation insurance and risk management consultant services. Over 30 years of experience that includes insurance company loss control, underwriting, retail producer, general agent, excess surplus lines broker, risk management anc consulting, and providing insurance education. Licensed as an agent, broker, and producer in several states and qualified as an expert witness. Practice includes litigation support, expert consultatn, expert witness, and insurance transactional consulting.