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Customs, Standards, Practices & Duties - P&C
I earned my Bachelors degree in Risk Management/Insurance from Florida State University in 1989, and my CPCU designation in 1992, eventually adding an MBA in 2022. Most of my career has been in the retail P&C arena, spanning 30 years, and I run a small retail agency with 14 employees. Our client base is broad,…
Steven H. Pahl has extensive experience in the insurance industry, as demonstrated by his work with insurers such as Allstate, CIGNA, and AIG, and brokers like Aon and Arthur J. Gallagher & Co. This background provides him with a deep understanding of industry practices, policy intricacies, and the roles of various stakeholders. Currently, as…
As an experienced insurance expert witness, Daniel works with attorneys on agent/insurance company standard of care and bad faith. He can analyze coverages and claim handling. He works with both plaintiffs and defendants on cases he believes in. Daniel has 40 years of experience as a practicing insurance agent / professional and almost 20 years…
Steve is a 30+ year veteran of property and casualty insurance claims. He holds the CPCU and AIC designations and is Past President (2006) of the National Society of Professional Insurance Investigators (NSPII). Over the course of his carrier career, Steve worked as a direct claim handler, manager, litigation examiner, senior claim specialist and director…
“An insurer’s knee-jerk denial letter cannot be saved from triggering the penalties [of bad faith] merely because the insurer’s lawyer is able to construct a post-hoc justification for denying coverage. “[I]nsurers that unreasonably delay the evaluation of the insureds’ claims [can be found liable for bad faith], even if the insurer’s ultimate assessment of the claim proves to be correct ‘”Holding otherwise could potentially result in insurers taking the gamble that a denial based on a cursory review will be rescued by a clever trial lawyer.”

