Pauline Thomas

Expert Consultants

Pauline Thomas, ARM, CIC, CISR, CRM

Professional Member


Effective Risk Management

(949) 251-1500


  • Agent / Broker / Producer Standard of care, underwriting, insurance policy coverage interpretation, claims, good faith, bad faith
  • Property, liability, WC, inland & wet marine, commercial & personal lines, self-insurance, risk management
  • Interpretation of clauses in lease agreements, construction, PEO & other contracts, additional insureds, certificates
  • Help professionals & laypersons understand insurance & risk management industry transactions & customs & practices
  • Case strategies, litigation support, expert witness, state & federal, declarations, reports
  • 52+ years’ experience, underwriter, general agent, retail, wholesale, agent, broker, producer, excess & surplus lines, claims, consultant
  • Department of Insurance Licenses in 10 states, Past President Society of Risk Management Consultants
  • Faculty Member, Virtual University of the Independent Insurance Agents & Brokers of America, Inc.
  • Certified Insurance Counselor, Certified Risk Manager, Associate in Risk Management, Certified Insurance Service Representative

Company Info

Effective Risk Management

P. O. Box 2192

Costa Mesa, CA 92628-2192


(949) 251-1500


Articles by Pauline

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