David Stegall’s Insurance Expert Witness Practice
David Stegall Discusses the Society of Risk Management Consultants
David Stegall Discusses Being a Chartered Property & Casualty Underwriter
David Stegall Discusses Being an Associate in Risk Management
David Stegall Discusses Being a Registered Professional Adjuster
https://youtu.be/d-4ZsNQVwmU
The Insurance Industry’s Imperative Neccesity
One of the very first things you learn when you enter the insurance industry and begin basic industry training is that the insurance business is, and has been since its inception, characterized as a business of “Utmost Good Faith”. This premise for all dealings within the industry is it’s “Imperative Necessity”. This means that the […]
Workers’ Comp Underwriting Philosophy as Partnership
An underwriting philosophy is the logical analysis of the principles and processes underlying the conduct, thought and knowledge used in selecting and assuming the risk of another party. Philosophy attempts to draw unity from diversity. It attempts to deduce conclusions (leading to unity) based on overall observations, both direct and indirect (diversity). The unity we […]
Captive Insurance Use By Life Insurance Companies
In June 2013, the New York Department of Financial Services through its Superintendent, Benjamin M. Lawsky published the results of an examination they had conducted over the previous year, by the name “Shining a Light on Shadow Insurance: A Little-Known Loophole That Puts Insurance Policyholders and Taxpayers at Greater Risk”. The Lawsky Report does bring […]
Property & Casualty Insurance Procurement & Litigation (Ten Things Every Lawyer Should Know)
Over the course of my career of 35 years as a local agent, a regional, national and international retail broker, a wholesale broker, an insurance underwriter and a reinsurance executive, the last five of which have been as a risk management consultant and expert witness, I have found ten problematic and recurring themes that often […]
Cyber Risk & Insurance
INTRODUCTION This article examines the issue of cyber risk and exposures to loss, including recent legal and legislative developments. It reviews and discusses the options for cyber insurance coverage and the coverage limitations of such policies and endorsements. The article also explains the first and third party exposures to loss that cyber insurance covers as […]