Insurance, Bad Faith Expert Witnesses
Providing Legal Services to Law Firms and Lawyers
Property/Casualty Insurance Claims Coverage Disputes, Agent/Broker Procurement Standards of Care(214) 632-2788
Olie Jolstad provides consulting and litigation support with respect to casualty insurance coverage claims disputes, claims handling practices, and agent/broker duties regarding procurement and standard of care. He has been qualified as an expert witness in several state and federal...
Insurance Expert Witness - Property and Casualty(817) 980-4897
Burl Daniel, CPCU, CIC, CRM is a Property & Casualty Insurance Expert Witness engaged by both Plaintiff and Defense counsel. See www.burldaniel.com for expanded CV and Cases list. He began his insurance career in 1973 while obtaining a BBA - Insurance at the University of Texas....
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Select Group of Forensic Business, Construction, Engineering, Medical, Scientific Expert Witnesses(626) 795-5000
For over 25 years, ForensisGroup has provided the nation’s top law firms, insurance agencies, government entities and many other industries with highly qualified expert witnesses and consultants. Our success in placing experts in over 10,000 cases begins with our selective screening...
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Banking, Finance, Insurance, Securities, Real Estate & Economics/Damages Expert Witnesses(949) 263-8700
MCS Associates is a nationwide specialist consulting and expert witness company (est. 1973) that concentrates exclusively in banking, finance, insurance, securities/investments, financial services, real estate, and related economic and damages matters.
Expert Witness and Litigation...
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Forensic Document Examiner, Handwriting Expert, Handwriting Analyst & Expert Witness(814) 793-2377
With over 55 years of experience specializing in the examination and analysis of signatures, writings, and documents, we are one of the most sophisticated private forensic document laboratories in the United States; including the capabilities to perform all aspects of non-destructive...
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Forensic Documents/Ink Dating/Latent Prints/Firearms & Toolmarks/Biology & DNA Expert Witness(517) 394-1512
Riley Welch LaPorte Forensic Laboratories is an internationally recognized forensic laboratory employing a Forensic Chemist with a Masters Degree in Forensic Science, four forensic document examiners, one fingerprint specialist, one forensic firearms & tool marks examiner, one...
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Certified Senior Equine Appraiser, Consultant and Expert Witness(817) 454-4537
ValueMyHorse is an appraisal, expert witness and consulting services company specializing in Sport and Performance Horses. Bridget Brandon is an American Society of Equine Appraisers Senior Certified Appraiser #03121 and is USPAP certified. She has over 25 years in showing, selling...
ERISA, Pensions, Fiduciary Liability, Group Life/Health Plans, & Labor Relations Expert Witness(817) 909-0778
ERISA Benefits Consulting headed by Mark Johnson, J.D., Ph.D., offers expertise in ERISA, pensions, health plans, 401(k) plans and labor union benefits. He managed $14 billion in pension assets for over 100,000 plan participants while serving as Managing Director, Benefits Compliance...
Insurance Operations Consultant & Expert Witness(508) 644-1074
Paul F. Amoruso, CPCU, has more than 42 years of experience working for several major insurance carriers as a Senior Vice President of Claims and Operations. As a licensed insurance agent and licensed public adjuster, he is qualified to assist either plaintiff or defense attorneys...
Medicare Experts, Healthcare Compliance & Reimbursement Expert Witness(770) 645-5989
Health Law Network offers expert testimony on issues related to Medicare & Medicaid compliance, clinical documentation, ICD or CPT coding, hospital or professional fee billing, health insurance or quality of care issues. HLN provides access to experienced Reimbursement Experts,...
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Insurance Expert Witnesses and Consultants(972) 980-0088
Founded in 1979, Robert Hughes Associates, Inc. is an independent insurance, risk management and actuarial consulting firm providing assistance to companies, and litigation support to attorneys.
Insurance Claim Handling Expert Witness & Litigation Support(860) 656-6430
Tommy Michaels of T. R. Michaels Claim Consulting, LLC has over 40 years in property and casualty insurance claims handling and claims administration, with over 30 depositions given in Federal and State court and testimony at trial, insurance policy reconstruction of old policies...
Life Insurance & Disability Insurance Expert Witness(800) 731-8122
Steve Burgess specializes in standard of care, claims, underwriting, agent practices, industry standards, suitability, and complex transactions. He also handles life insurance, disability insurance, annuity and securities matters. Mr. Burgess has held management and supervisory positions...
Free Expert Witness & Medical Expert Witness Referrals Nationwide(800) 683-9847
Consolidated Consultants, or CCc as it is widely known, is a national referral service for both the expert witness and medical expert fields. We have thousands of expert witnesses, as well as medical experts, in our directory. We are focused on providing complimentary first-rate...
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Accident Reconstruction and Crash Data Retrieval Expert Witness(847) 217-6644
Crash Data Services, LLC provides traffic accident reconstruction, including crash data retrieval and at-scene accident investigation. Our experts are retained throughout the United States. We customize our services to fit the needs of insurance providers, legal professionals, car...
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Insurance Expert Witness(512) 940-5140
Daryll W. Martin provides litigation consulting and expert witness services in all matters related to insurance. He specializes in assisting attorneys and insureds in matters where claims are disputed, or where an insurance company or an insurance agent's or broker's conduct is called...
Forensic Accident Investigative Services - Expert Witness(561) 832-6022
Professional support, consultation and expert services for Attorneys, Insurance Companies, Judicial Systems, Law Enforcement Agencies, Municipalities, Automobile Truck Heavy Equipment Manufacturers, Law Firms and affiliated Legal Entities, Adjusters, Appraisers, National and International...
Forensic Accident Investigation, Diagnostics, Reconstructions and Expert Witness Services(561) 832-6022
Auto safety consultant in automotive, truck, tractor trailer, motorcycle, heavy equipment and machinery.
Forensic Document Examiner, Handwriting Expert Witness/ Forensic Certified Voice Stress Analyst(800) 738-7096
Applied Research & Forensic Services provides forensic analyses of business & medical charts/records involving handwriting/signature analyses, page substitution/alterations/ink & documents dating & chronology to establish genuineness or lack thereof. Criminal defense & civil...
Economic Damages and Business Valuation Experts(801) 839-5778
At Arrowfish, we not only have an extremely knowledgeable and experienced team of experts to handle all of your financial and economic consulting needs nationwide, we also have a passion for what we do. ; For large-firm experience, quality and training with small-firm flexibility, service and...
Workers' Compensation Insurance Premium Expert Witness(714) 447-8324
Dr. Arthur J. Levine provides services in workers' compensation insurance premium determination and rates as well as expert witness and consultant services. He has over thirty five years of experience. Since 2003, Dr. Levine has served as independent Staff Counsel to the Public Members of the WCIRB...
Insurance Consulting & Litigation Support(800) 577-0036
Artisan Consulting is a global insurance advisory firm that provides multidisciplinary solutions to complex challenges and opportunities. With the full power of unique depth of thought combined with the deep vertical and horizontal expertise of leading insurance professionals, we are committed to...
Commercial & Residential Building Forensics & Investigations(800) 771-2460
Since 1993, ACS has provided a wide range of construction consulting services for commercial and residential properties involving insurance claims for all perils.; Our damage assessment experience includes, claims resulting from fire, water, flood, tornadoes, hurricanes, mold, subsidence,...
Property & Casualty Insurance Claims Consultant & Expert Witness(770) 889-8396
Augustine Consultants LLC, a P & C insurance claims consultant and expert witness firm for both defense and plaintiff is headed by Gary Augustine who has 36 years of national experience with 5 major insurance companies. We have offices in Georgia and Washington State.
Insurance Bad Faith Expert(907) 223-9836
Bad Faith Insurance Expert Witness(847) 205-0444
Insurance, Bad Faith Expert Witness(408) 279-1034
Property and Liability Insurance Consultant and Expert Witness(412) 531-6616
Coffin Insurance is an independent insurance agency with 98% Commercial Lines customer base with hard-to-place business; municipal liability, Professional liability and Property Coverages.
Litigation, Trial & Jury Consulting(310) 822-8064
Litigation, trial and jury consulting for hearings, mediations, arbitrations, depositions and trials. Providing the power of persuasion in litigation. Making cases compelling for the decision-maker faced at each stage of litigation.
Consults with Organizations and Attorneys Regarding the Effectiveness of Organizational Compliance(757) 660-1297
Compliance Analysis under the direction of Dr. Green consults with organizations and attorneys regarding the effectiveness of organizational compliance programs. “Organizational Compliance” refers to an organization’s tangible efforts to prevent, detect, and otherwise respond appropriately to...
Forensic Accounting & Litigation Support Services(407) 841-6930
Cross, Fernandez & Riley, LLP provides the highest quality of confidential analyses and litigation support services. Our team of professionals assists with the preparation of document requests, depositions, Examinations Under Oath, and settlement negotiations. Using accounting, auditing, and...
Arbitration, Mediation, Expert Witness Services in Property & Casualty Insurance and Reinsurance(303) 979-3770
Dale Crawford serves as an arbitrator and an expert witness for insurance and reinsurance claims and issues. This includes a myriad of topics, such as underwriting, handling of claims, contract compliance, coverage and jurisdiction, bad faith, and much more. He has experience in handling these...
Casualty Insurance and Workers' Compensation Expert Witness(626) 533-5679
Mr. Pilcher addresses all casualty insurance lines including general liability insurance, workers’ compensation, personal and commercial lines, errors and omissions, claims, risk management/loss control, coverage and/or contractual disputes, employer practices liability, wage and hour disputes and...
Historic & Church Building Expert(877) 504-7526
Los Angeles / Beverly Hills Art Appraiser and Expert Witness(310) 275-3464
David W. Streets is a Celebrity Fine Art Dealer, Expert Witness and Appraiser with an international reputation.; We are leading appraisers of all genres of fine art, decorative arts, photography and celebrity memorabilia. Streets' clients include American Presidents, World Leaders, Royalty,...
Insurance & Risk Management Expert Witness(949) 251-1500
Pauline Thomas, CRM, CIC, ARM, CISR is a property/casualty insurance and risk management consultant with 44 years industry experience with personal and commercial lines including underwriter, general agent, retail, wholesale, agent, broker, producer, excess & surplus lines, claims, consultant....
Forensic and Clinical Medicine(646) 919-0710
Ernest P. Chiodo, M.D., J.D., M.P.H., M.S., C.I.H. is a physician, attorney, industrial hygienist, biomedical (biomechanical) engineer. He receive his medical, legal, and biomedical engineering degrees from Wayne State University. He received his Master of Public Health from Harvard University and...
Expert Witness Referral(800) 521-2877
You set the criteria, we find the expert. Expert Strategy Group offers a superior referral solution tailored to your specific litigation requirements. We have a network of thousands of expert witness professionals across various industries with extremely specialized qualifications, skills and...
Computer Forensic and Electronic Discovery, Expert Witness, and Litigation Support(804) 291-6126
We provide:; 1. Highly personalized, case-specific computer forensic analysis and litigation support services for law firms and corporate clients.; 2. Fraud Detection and Identification through analysis and review of computer records.; 3. Expert Testimony.; 4. Trial Consultation.; 5. Pre-Litigation...
Arbitration / Mediation / Expert Witness(941) 388-7433
Business Profits Consultant and Expert Witness in Damages and Lost Wages(510) 558-1999
George J. Fruehan, director of Numbers Talk is an expert witness with over two decades of experience as a management consultant. Engagements help organizations increase performance, accountability and profit. Significant experience in financial, transportation, educational and service industries,...
Security Consultants(410) 315-8902
Global Security Services, LLC (GSS) offers a range of domestic and international security services from asset and physical security protection to intelligence, counterterrorism consulting and training. Global Security Services is comprised of professionals with extensive security and corporate...
Meteorological and Climate Expert Witness(408) 379-7500
Golden Gate Weather Services (GGWS) provides a full array of meteorological services and expertise to the law profession and insurance industry. GGWS assists attorneys for both plaintiff and defendant cases in obtaining, analyzing, interpreting and understanding weather and climatological data....
Life, Health and Annuity Expert Witness and Litigation Support Services(817) 540-3141
Gregory G. Wimmer has over 39 years in the life, health and annuity business and has actual experience in many facets of the industry. As an agent, supervisor/manager and General Agent and agency owner responsible for hiring, training, recruiting, managing, underwriting and claims affords me the...
Expert Forensic Neuropsychologist(949) 481-8414
ForensicNeuroPsych Consultant, Dr. Kalinian is specialized in forensic neuropsychological evaluation of adults. The focus of the evaluation concerns the presence or absence of brain dysfunction in head injury, seizure disorder, electrical injury, neurotoxin exposure (carbon monoxide, pesticides,...
Vehicle Black Box Data Recovery Technician & Auto Accident Reconstruction Expert Witness(877) 845-2368
Roy Theophilus Bent, Jr. is both a consulting expert witness and testifying expert witness at Houston Auto Appraisers in Houston, Texas. His services include detailed, court-approved, written expert witness reports, Auto Accident Reconstruction, Black Box Data Retrieval, Crash Data Analysis, Event...
Aviation Safety Audits, Mediation, Litigation(888) 335-5754
Aviation Safety Audits, Risk Managment and Loss Control, accident prevention, investigation, and reconstruction for airlines, airports, manufacturers, service firms, and operators of small and large aircraft and helicopters. FAA Engineering and Enforcement matters, QC for TC/STC/PMA,...
Insurance and Reinsurance Expert Witness and Arbitrator(505) 792-9553
Insurance & Reinsurance Advisory Services, since 2002 has provided expert witness services in all aspects of insurance and reinsurance matters and since 2007 can serve as arbitrator.
Insurance Expert, Actuarial Malpractice, Reinsurance Arbitrator, Property Casualty - Expert Witness(561) 306-5072
Insurance Metrics Corporation provides expert witness testimony for insurance-based litigation. Our clients include law firms representing plaintiffs, the defense and liquidators. William D. Hager, founder of Insurance Metrics, is a seasoned industry and regulatory executive who brings a...
Life Insurance Actuary: Risk, M&A, Damages(727) 531-9529
Insurance Strategies Consulting is a professional actuarial consulting firm specializing in the life insurance industry. The firm is qualified to render actuarial opinions regarding insurance products, insurance policy forms, insurance coverage, dividends, reinsurance, asset valuation, cash flow,...
Pre and Post-Litigation Investigations(888) 213-8848
Insurance bad faith, claim handling and coverage expert(215) 661-2806
Former senior executive with 35+ years claim experience. Heavy emphasis on coverage intrepretation, policy writing and claim handling. National exposure to third party liability claims, policies and proceedures. Experience with General Liability and Professional Liability lines.
Insurance Defense Lawyer(305) 376 8840
35 years of experience in all facets of insurance litigation. AV rated by Martindale. Listed in the South Florida Legal Guide as one to the top counsel 2006, 2007 and 2008. Additional information, professional cv and articles on Florida bad faith, coverage and tort matters can be found on the...
Insurance Claims Expert Witness(843) 737-2738
Property & Casualty Insurance Litigation Expert Witness(760) 416-0871
John T. Bogart has extensive expertise in the fields of major accounts and custom designed coverage in both underwriting and brokerage throughout his career. This has necessitated extensive knowledge of coverage, wordings and intents of insurance contracts as well as the standards of underwriters...
Insurance Expert Witness(310) 820-5200
Expert Witness Services - Homeowners, Auto, Life, Disability, Long Term Care, Earthquake, Flood, Agency Operations, Best Practices, Standard of care. Exceptional deponent!
Legal Nurse Consultant Certified with 11 years experience working with plaintiff and defense firms.(205) 566-5406
Kathy G. Ferrell, BS RN LNCC, is an experienced Legal Nurse Consultant, Certified by the American Board of Nursing Specialties and a former practicing hospital nurse. She uses her extensive medical knowledge and experience to identify and explain the critical issues in complex medical cases. She...
Property, Casualty, Workers' Compensation Expert(865) 977-7872
Auditor of Insurance Companies, Third Party Administrators, Self-Insureds, and Reinsureds, with respect to Case Reserving and Claim Handling Practices.
Forensic Accountant and Expert Witness(818) 265-9714
Stacy A. Kinsel, CPA/ABV/CFF, CFE provides forensic accounting and litigation support services including analysis of economic damages, lost profits, business interruption and loss of earnings, investigation of employee theft and fraud matters, calculation of business valuations and assistance with...
Jim Leatzow has 34 years of "hands on" property/casualty experience. His experience includes 23 years as a national, Managing General Agent (MGA), 10 years negotiating and placing reinsurance and 10 years of managing/adjudicating claims on a national basis as a Third Party Administrator (TPA).
Forensic Accounting, Valuations, Business Interruption, Fraud Investigation Expert Witness(404) 556-5209
Michael Thompson has over 20 years of experience in fraud and forensics investigations related experience. His experience includes a variety of complex matters relating to claims investigations and consultation, assessment of damages, mediating arbitrating, and negotiating various bond forms and...
Expert in Ins. claims custom & practice & handling. Exp.in prop.& cas.- personal and commercial.(714) 777-4462
The principal has 38 years of experience in handling complex insurance claims. 32 of those years working for fortune 500 insurance companies. He has worked at home office, zonal, regional and branch locations. He has experience in claims custom and practice, claims adjusting, coverage...
Insurance Casualty Claims & Bad Faith expert(520) 887-1200
Over 23 years experience in all phases of commercial casualty claims, from field adjuster to chief claims officer.
Insurance Litigation Consulting and Expert Winess(903) 897-9090
29 years of experience in worker's compensation, garage liability, general insurance, employment related practices liability,surplus lines, Lloyds markets, bad faith, life insurance and coverage issues.
Legal and Insurance Industry Forensic Meteorology Services(970) 460-6401
Backed by our strong credentials, including Certified Consulting Meteorologists, MetStat provides professional forensic meteorology services. MetStat has supported numerous defendants and prosecutors in a variety of weather-related cases since 2006. Our pin-point meteorology investigations put...
Clinical and Forensic Psychiatrist in the New York / New Jersey Metro Area(201) 244-7799
CP Insurance Expert(508) 485-9907
38 years of insurance & litigation support experience
Historic & Church Building Expert(877) 504-7526
Insurance and Reinsurance Expert Witness(619) 955-5951
Mitchell L. Lathrop is an expert on insurance and reinsurance. He also is an expert on lawyers’ professional responsibility. He is a former Presiding Referee of the California State Bar Court. He is a member of the American Board of Trial Advocates and for over 20 years was a certified civil trial...
Insurance Arbitration, Mediation, Valuation, Consulting and Expert Witness Services(843) 705-2851
Douglas Moat is an expert insurance agency consultant who has impeccable insurance credentials and extensive trial experience supporting cases involving insurance agency valuation and insurance industry custom and practice. His career spans over 45 years in all aspects of the insurance industry –...
Fine Art, Specie, Jewelry, Coins and Collectibles - Expert Witness Services(312) 492-9001
O'Connell International Arts, Inc. has over 25 years of experience in expert witness, expert testimony, consulting, multi-line loss adjusting and loss control.; We are internationally recognized fine art experts within the insurance industry and legal community. In addition to our academic training...
Mortgage Banking Expert Witness(908) 277-0250
Managing Partner of Payne Advisory, LLC. Served as President and CEO of three mortgage companies. Known as an innovator in the mortgage capital markets, Payne invented IO and PO mortgage securities. Served on the advisory boards of Fannie Mae and Freddie Mac, as an instructor for the MBA, as lead...
Independent Insurance & Risk Management Expert Witness(800) 576-6607
We are widely recognized industry experts, consultants, and educators for Insurance Coverages & Disputes, Construction Defects, Contractual Management of Risk, Wrap Policy Dangers, and our proprietary Certified HomeBuilder© Risk Management Program.
Consulting Actuary, Reinsurance Consultant, Insurance Arbitrator and Expert Witness(973) 229-4465
RAB Actuarial Solutions LLC is a Property and Casualty actuarial consulting firm with offices in Lewes, Delaware and Montville, New Jersey (near New York City) that is focused on providing quality loss reserving, actuarial and reinsurance expert witness and litigation support, reinsurance...
Litigation Support Including Research, Opinions, Depositions & Courtroom Expert Witness Testimony(262) 569-0929
Insurance, Reinsurance & Risk Management Expert Witness(205) 637-1775
Risk Consulting and Expert Services is an experienced consulting firm providing services and counsel to commerce, industry and government on insurance and reinsurance matters. We provide expert witness services and testimony in disputes, arbitration and litigation as well as comprehensive risk and...
Legal Nurse Consultants & Analysts(954) 557-5860
Insurance Professional Expert Testimony Nationwide(480) 216-1364
Insurance Expert Witness, Nationwide service insurance expert, Insurance industry standards, Agent and Broker standards of care
Casualty Claims Handling Expert Witness(209) 834-2400/(702) 279-4979
Casualty Claims Practices Expert Witness -Bad Faith
Construction Claims, Litigation Support, Insurance Claims(801) 764-9100
Ruf & Associates, LLC provides consulting services for construction claims, litigation support, insurance claims, insurance claim appraisals, construction management and financial management to a wide variety of clients. We provide services to: attorneys, contractors, insurance companies,...
Medical - Legal Nurse Consultants(214) 457-4330
Salinas & Associates Medical-Legal Consultants was founded by Wendy A. Salinas-Frazier. Bringing over 25 years of experience to her consulting practice, she has provided direct patient care in the areas of Obstetrics, Gynecology, Psychiatry, Pediatric / Neonate ICU, Emergency Room, Outpatient...
PBM Contract Compliance Electronic Claims Audits(901) 767-0070
Patent pending electronic PBM contract audit tools. We are able to identify all deviations from contract $ terms on drug card plans covering employee benefits groups, using claim by claim analysis showing overpayments, errors, fraud and abuse, from contract rates and overpayments by the client...
CPA MBA Forensic Accountant and Expert Witness for Civil Litigation in Los Angeles(818) 515-2426
Shari L. Yaros is the owner of S-L-Y Finance Forensics & Assoc., an expert forensic and investigative accounting business specializing in general civil litigation (economic damages, lost profits, lost earnings). Clients include attorneys, other experts, individuals and an insurance group. Civil...
Insurance Expert & Consultant(213) 407-9957
Sharp & Associates provides expert testimony on all insurance related matters. Including bad faith,insurance coverage issues and claim handling issues.Also litigation support.
Insurance Industry Practices Expert Witness and Consultant(561) 241-2323
Brett has extensive insurance industry experience in the U.S. and London markets as a claims representative, broker and underwriter regarding professional and general liability risks.
Property & Casualty Claim Consultants and Expert Witness Services(916) 354-0460
Specialty Claims Consultants, is a property & casualty claim consultant firm, headed by Allison K. Smith formerly General counsel of CIGNA Insurance Companies Northwest Division. Ms. Smith is a licensed attorney who started her career in insurance claims handling automobile, property and...
Fraud Investigation Firm(516) 944-8024
In business since 1996, our fraud investigators have worked with thousands of victims of crime and have been sucessful in getting suspects to confess to crimes they comiited. Everything from identity theft and employments fraud to ponzi schemes and more. We get the job done and we get it done right.
Insurance Claims Expert Witness(407) 810-5670
Ted Bogert provides insurance consulting and expert witness services and testimony in the area of property and casualty insurance coverage disputes.
Bad Faith Insurance Claims Expert Witness(800) 376-1297
workers' compensation claims expert and consultant(949) 417-5722
The Henderson Group has over 25 years of hands-on experience working with clients and insurance carriers in partnership to help control costs, reduce claims, and improve workforce productivity. As an independent firm, we specialize in Worker’s Compensation Consulting and Disability Management. We...
Accounting, Business Valuations, Damages Expert Witness(213) 624-8150
Thomas Neches provides accounting, financial, business valuation and statistical analyses to assist attorneys in litigation. Mr. Neches has testified as an expert on behalf of plaintiffs and defendants in state and federal courts in Arizona, California, Florida, Kentucky, Missouri, Nevada, New York...
Loss Adjustment Procedures and Insurance Claims Expert Witness(954) 927-1425
United States Public Adjusters ® (USPA) are licensed, bonded and insured public insurance adjusters offering the insurance help you need with offices in Texas and Florida. We have settled the insurance claim needs of homeowners and business owners in many counties throughout. Our track record...
Expert Witness For Contractors on Complex Surety Issues & Bad Faith(410] 274-4308
Fire & Explosion Expert Testimony1-800-706-1247
AIS is one of the leading fire investigation firms in Western Canada. With over 25 years of experience in the fire investigation field.; We have provided expert testimony in both civil and criminal court cases. AIS investigates, Structural, Vehicle, Marine and Wild Land fires.
Marine and Transportation Insurance Expert Witness and Litigation Support905 781 0146
Marine and Transportation Insurance Expert; Expert Witness ; Marine Underwriter ; Marine Claims Handler; Boat and pleasure craft yacht insurance; Cargo; Protection and Indemnity; Hull; Transit Underwriting Practices; Marine insurance claims adjusting and handling practices; Insurance Bad Faith