Richard Masters Insurance Services, Inc.

Testimony has been given in the following areas of property and casualty insurance: the standard of care for insurance agents, brokers, surplus lines brokers, underwriters, claims adjusters, insurance companies, risk managers, consultants, independent and public claims adjusters. Testimony has been rendered related to the following areas: Insurance ethics and code applications; insurance industry standards, customs and practice; Interpretation of coverage terms, standard forms and their uses; creation of manuscript forms and endorsements; captive insurance company creation; self-insurance programs; risk management, loss control, claims control, exposure identification, analysis and application; claims adjustment practice and procedures including adherence to Unfair Claims Practices Act and potential bad-faith issues.