Pauline Thomas CRM, CIC, ARM, CISR Principal, Effective Risk Management

Insurance and risk management professional. 53 years' experience with personal and commercial insurance. Includes insurance company, retail agent / broker / producer, wholesale agent / broker / producer, intermediary, excess and surplus lines, general agent, underwriting, risk management and insurance consulting. Faculty Member, Big "I" Virtual University Independent Insurance Agents & Brokers of America. Past President, Society of Risk Management Consultants.

Practice includes transactional consulting, and expert consultant and expert witness including case evaluation and organization, declarations, reports, deposition, and trial testimony. Help other professionals and laypersons understand insurance and risk management industry transactions and customs and practices and standard of care.

Experience, education and training includes property, inland marine, wet marine, builders risk, course of construction, crime, general liability, automobile liability, umbrellas, excess liability, workers compensation, homeowners and other personal lines, medical malpractice, employment practices liability, professional liability, wrap ups, E&O, occurrence v. claims made, PEOs, contractual liability, additional insureds, certificates, claims. Traditional insurance and alternative risk programs, captives, self-insurance, large deductibles, retrospective rating, purchasing groups, risk retention groups. Design and marketing of insurance programs and design and interpretation of insurance clauses in lease agreements, construction contracts and other business contracts.