Experience

American Risk Management Resources Network |ARMR.Network | ARMR Brokerage

• United States
• Insurance
• 1 - 100 Employee

• Chief Executive Officer

  • Jul 1999 - Present

  Middleton WI ARMR.Network is a specialty environmental insurance brokerage firm and Managing General Agency with underwriting authority of $5,000,000. Our customized insurance products are sold through hundreds of insurance agencies in the United States and Canada. Over the past 32 years I have worked on the placement of literally thousands of environmental insurance policies both as the placing broker and as the Global Environmental Practice Leader of Willis, the third largest insurance… Show more ARMR.Network is a specialty environmental insurance brokerage firm and Managing General Agency with underwriting authority of $5,000,000. Our customized insurance products are sold through hundreds of insurance agencies in the United States and Canada. Over the past 32 years I have worked on the placement of literally thousands of environmental insurance policies both as the placing broker and as the Global Environmental Practice Leader of Willis, the third largest insurance brokerage firm in the world. Insurance and risk management consulting assignments at ARMR.Network include; writing the insurance specifications and conducting the insurance compliance reviews for the bidders on five hundred million dollars of fixed price environmental remediation services, serving as an expert witness on disputed environmental insurance claims with amounts in dispute measured in the tens of millions of dollars, compiling the history of the environmental insurance market complete with reconstructive pricing and underwriting guidelines for individual risks from 1980 to date, creating business plans for environmental insurance sales in insurance brokerage firms, developing new insurance products complete with policy forms, pricing models and underwriting guidelines, environmental risk management consulting on insurance issues associated with mold damages, proof of financial responsibility financial product efficacy analysis for the federal government , facilitating culture change in insurance brokerage operations and internet based knowledge sharing platforms.Consulting projects have been completed for a broad range of clients including the US EPA, US Justice Department, US Army Corps of Engineers, US Army Environmental Center, Los Angeles County School District, The California Solid Waste Board, Arthur J Gallagher, Wells Fargo, The World Bank and numerous other fact and expert witness assignments associated with environmental insurance.

• Expert Witness

  • Jan 1999 - Present

  Middleton WI Expert in environment risk management and insurance: Expert Witness Cases McClandless Fuels, Inc. v. Progressive Fuels, Inc., et al. April, 2001 Superior Court, New Jersey Law Division, Gloucester County Docket No. C-107-91 For the defense, on the availability of the environmental insurance. Steadfast Insurance Company v. Santa Clarita, LLC. May 2001 Superior Court of the State of California, County of Los Angles For the defense, as a witness provided by… Show more Expert in environment risk management and insurance: Expert Witness Cases McClandless Fuels, Inc. v. Progressive Fuels, Inc., et al. April, 2001 Superior Court, New Jersey Law Division, Gloucester County Docket No. C-107-91 For the defense, on the availability of the environmental insurance. Steadfast Insurance Company v. Santa Clarita, LLC. May 2001 Superior Court of the State of California, County of Los Angles For the defense, as a witness provided by the insurance broker. South Carolina Department of Health v. Commerce and Industry Insurance Company, et al. December 2002 US District Court for the District of South Carolina, Charleston Division For the plaintiff, coverage under GL policies for proof of financial responsibility certificates of insurance. Illinois Department of Transportation v. Harris Bank Barrington, NA. et al. Cook County Illinois, Case no. 99 L 51227 October 2002 For the Plaintiff, Estimate the cost of environmental insurance in prior years. Frazier Exton Development, LP v. Kemper Environmental, et al. US District Court, New York, Manhattan September 2003 For the Defense, The coverage provided in an environmental insurance policy Safety-Kleen Corporation, et al. v. MIMS International, Inc March 2003 US District Court for the District of South Carolina, Columbia Division For the plaintiff, Insurance company solvency issues on proof of financial responsibility. Global Oil Production, LLC. v. Evanston Insurance Company et al. December 2003 Superior Court of Los Angles, Central District For the defense, Insurance agent professional liability. David A. Jungerman v. Neal S. Clevenger v. Oliver Insurance Agency, Inc. et al. December 2003 Circuit Court of Jackson County, Missouri, at Independence For the defense, Insurance agent professional liability. Safety-Kleen Corp., et al. v. MIMS International Inc. (D.S.C.) Expert for the plaintiff regarding the availability of financial assurance insurance for hazardous waste sites March 2004 Please see CV

• Insurance Industry Committees

  • 1999 - Present

  Lead environmental insurance resource for the 234,000 member Independent Insurance Agents and Brokers Association Member of the Board of Directors of the 55,000+ member Institute of Inspection Cleaning and Restoration Certification Chairman of the National Association of Insurance Brokers, Environmental Sub Committee on Superfund reform. Participant in the US EPA insurance industry committee on Pollution Prevention Member of the US EPA technical review panel on contractor… Show more Lead environmental insurance resource for the 234,000 member Independent Insurance Agents and Brokers Association Member of the Board of Directors of the 55,000+ member Institute of Inspection Cleaning and Restoration Certification Chairman of the National Association of Insurance Brokers, Environmental Sub Committee on Superfund reform. Participant in the US EPA insurance industry committee on Pollution Prevention Member of the US EPA technical review panel on contractor indemnification CPCU, National Public Relations Committee Task Force 2007 Milwaukee Chapter, Public Relations Director, (Award Winning) 1986



ARMR.Network

• Guest Lecturer

  • 1999 - Present

  Middleton, WI University of Wisconsin School of Business, Guest lecturer 1981-2013 Insurance Agent Continuing Education approved provider in multiple states CPCU, Instructor, Accounting and Finance, 1985, 1986, (Award Winning) Denver College, Introduction to Accounting, 1982 Lectures (not a comprehensive list, I have presented over 300 lectures at conferences and for insurance agent, architects and lawyers continuing education credits) Sustainability Risk Management, Risk and Insurance… Show more University of Wisconsin School of Business, Guest lecturer 1981-2013 Insurance Agent Continuing Education approved provider in multiple states CPCU, Instructor, Accounting and Finance, 1985, 1986, (Award Winning) Denver College, Introduction to Accounting, 1982 Lectures (not a comprehensive list, I have presented over 300 lectures at conferences and for insurance agent, architects and lawyers continuing education credits) Sustainability Risk Management, Risk and Insurance Management Society annual meeting 2008 Environmental Risk Management, UW-Madison Fluno Executive Education Center- two day conference 2007. Wisconsin Associated General Contractors seminars, Mold Related Insurance issues, February, September 2003 Environmental Bankers Association, 1997, 1999, 2001, 2003, 2004 summer meetings, Environmental Insurance topics related to lenders. University of Wisconsin- Extension, Madison, College of Engineering, four guest lectures on environmental insurance and risk management issues related to water intrusion in buildings. EPA-National Brownfields Convention, 2002, the Use of Environmental Insurance in Environmental Legacy Solutions CPCU, National Teleconference- E-Commerce and the Insurance Industry University of Wisconsin-Madison, Business School, Risk Management and Insurance Department, I have been a guest lecturer for twenty-eight consecutive years on environmental risk management topics. Vanderbilt University, MBA Course, Environmental Insurance and Risk Management, four presentations Risk and Insurance Management Society (RIMS) National Conventions, nine presentations. Rims local chapters, five presentations. In 2007 the first presentation to national RIMS on the topic of Sustainability Risk Management. The Society of CPCU, National Convention two presentations, 1994 Environmental Insurance, 2003 Managing Mold Risks in a Post Exclusion Era Show less



American Risk Management Resources Network, LLC

• Recent Consulting, Expert and Fact Assignments

  • 1999 - Present

  Middleton, WI Review the procurement of Fixed Price Remediation’s for the US Army Environmental Center. The contract value was $500,000,000. Washington DC and Omaha. Develop a business plan to create a specialty wholesale insurance broker on a national scale, projects in Colorado and Illinois. Insurance Product Development: develop risk evaluation models, design insurance policy forms and underwriting guidelines for environmental insurance covering mold and products liability related damages. New… Show more Review the procurement of Fixed Price Remediation’s for the US Army Environmental Center. The contract value was $500,000,000. Washington DC and Omaha. Develop a business plan to create a specialty wholesale insurance broker on a national scale, projects in Colorado and Illinois. Insurance Product Development: develop risk evaluation models, design insurance policy forms and underwriting guidelines for environmental insurance covering mold and products liability related damages. New York. Evaluated cost proposals for fixed price remediation insurance packages, private clients in Texas and California. Expert on insurance coverage issues related to cost cap/stop loss environmental insurance policies, two cases, New Jersey/ California The availability and pricing of environmental insurance on a property transfer in 1995, Illinois The availability of environmental insurance from 1987 to 1995 for insurance recovery allocations on uninsured years, Alabama The availability of environmental insurance on a property transfer in 1997 and 1998, risk advisors professional liability claim for $189,000,000, California Environmental insurance coverage and cost comparison between bidders for a brownfield development, premiums ranged from $14,000,000 to $90,000,000, California Analyze carrier insolvency and the efficacy of proof of financial responsibility mechanisms. Washington, DC , U.S. Environmental Protection Agency/ U.S. Department Of Justice Analyze the efficacy of proof of financial responsibility mechanisms. Washington, DC US EPA/US DOJ, California Solid Waste Board Alleged brokerage negligence in the procurement of closure and long term care insurance. South Carolina Defend alleged broker negligence in the procurement of environmental insurance. California, Missouri, Florida. Provide insurance coverage litigation support for a disputed cost cap insurance claim. Federal Court, New York, Insurance coverage litigation support on a cost cap policy Illinois, Engineers. Show less



The Society of Environmental Insurance Professionals

• Founder

  • 1999 - Present

  The Society of Environmental Insurance Professionals was created in 1999 to enhance the use of environmental insurance as a risk management tool. I created the organization by developing the business plan and soliciting the cooperation and financial support from the leading underwriters and brokers of environmental insurance. ERRA produces educational seminars on current environmental risk management issues, produces newsletters, and hosts an internet based environmental risk… Show more The Society of Environmental Insurance Professionals was created in 1999 to enhance the use of environmental insurance as a risk management tool. I created the organization by developing the business plan and soliciting the cooperation and financial support from the leading underwriters and brokers of environmental insurance. ERRA produces educational seminars on current environmental risk management issues, produces newsletters, and hosts an internet based environmental risk resources library. ERRA is a federally registered not for profit 501, c. 3. educational organization and has been approved in over thirty states for continuing education credits in insurance and law. Show less



International Risk Group

• President

  • 2002 - 2002

  IRG is the insurance branch of a leading brownfield development corporation.



Aon

• Mid West Environmental Insurance Director

  • 1987 - 2001

  I worked as an environmental risk management resource in the environmental practice of the second largest insurance brokerage firm in the world.



WTW

• United Kingdom
• Financial Services
• 700 & Above Employee

• Chief Knowledge Officer

  • Apr 1998 - May 1999

  I worked on a team to create a corporate knowledge sharing culture and intranet platform at Willis. In this role I was the corporate staff person in charge of coordinating all of the specialty Practice Groups within the firm. As the Chief Knowledge Officer I served on the twenty person executive committee of Willis Corroon Americas.

• Global Environmental Practice Managing Director

  • 1983 - 1999

  Managed a corporate resource group of environmental risk specialist in support of 120 international Willis offices and provided technical support to environmental insurance specialists in 40 offices in the US.



Willis Global Environmental Practice

• Managing Director

  • 1990 - 1999

  I created the first functioning fully staffed environmental resource group in a major brokerage firm. Over this time period the Global Environmental Practice at Willis produced over $250,000,000 in environmental insurance premiums for thousands of clients. During this time frame the book of environmental business grew from less than one million dollars in commissions in 1990 to over fourteen million dollars in 1999. The Willis environmental practice consistently outperformed the overall… Show more I created the first functioning fully staffed environmental resource group in a major brokerage firm. Over this time period the Global Environmental Practice at Willis produced over $250,000,000 in environmental insurance premiums for thousands of clients. During this time frame the book of environmental business grew from less than one million dollars in commissions in 1990 to over fourteen million dollars in 1999. The Willis environmental practice consistently outperformed the overall environmental insurance industry in terms of growth on an annual basis. The basic design of the multi disciplined resource supported environmental practice has set the standard for the insurance brokerage industry and has been copied by the major competitors of Willis. Significant environmental insurance placement innovations that were pioneered in the Willis Environmental Practice between 1990-1999 included designing and placing the insurance on the Clean-Up of Chernobyl on a wrap up for contractors working for the World Bank in London, designing the first contractor controlled, fully insured liability buy out for a superfund site, insuring the Clean-Up of the Oak Ridge, TN. nuclear weapons facility for Bechtel, insuring the Clean-Up of the Hanford, WA nuclear weapons facility for Fluor Daniel, insuring the design professional liability and environmental liabilities of the Los Angeles County Mass Transit Authority subway/light rail construction project and designing and implementing the first contract specific, fully cost reimbursed environmental liability insurance wrap up programs for EPA superfund contractors. Show less



Corroon and Black, Insurance Brokers

• Vice President

  • 1983 - 1990

  As a retail insurance broker in Milwaukee, Wisconsin I built and serviced a multi-line book of commercial insurance business. Most accounts were in the environmental services sector with a particular emphasis on EPA Superfund contractors and waste transporters. From 1985 through 1989 I qualified for the “Exceptional Producer” award, the company’s highest sales performance award. Only 1% of the sales force qualified for this award in five consecutive years. In 1986 I developed… Show more As a retail insurance broker in Milwaukee, Wisconsin I built and serviced a multi-line book of commercial insurance business. Most accounts were in the environmental services sector with a particular emphasis on EPA Superfund contractors and waste transporters. From 1985 through 1989 I qualified for the “Exceptional Producer” award, the company’s highest sales performance award. Only 1% of the sales force qualified for this award in five consecutive years. In 1986 I developed the first professional liability insurance policy to specifically insure environmental loss exposures for engineers working on environmental remediations. In 1986 I pioneered the development of the Contractors Pollution Liability product line working as a consultant to the EPA’s Superfund Contractors Indemnification Task Force. Show less



Frank B Hall

• Insurance Broker, Producer

  • 1982 - 1983

  This was an all lines insurance production position. I specialized in group programs for environmental insurance.



Risk Treatment Services

• Consultant

  • 1980 - 1982

  RTS performed captive management services for twelve Colorado based captive insurance companies. My responsibilities there included review of state financial filings for insurance company operations and feasibility studies. As an insurance consultant to Johns Manville in asbestos litigation in 1981 I reconstructed their insurance program from 1932 to 1980 and answered interrogatories for the ensuing insurance coverage litigation. Insurance archiving for historical insurance… Show more RTS performed captive management services for twelve Colorado based captive insurance companies. My responsibilities there included review of state financial filings for insurance company operations and feasibility studies. As an insurance consultant to Johns Manville in asbestos litigation in 1981 I reconstructed their insurance program from 1932 to 1980 and answered interrogatories for the ensuing insurance coverage litigation. Insurance archiving for historical insurance coverage on toxic tort claims later became a profession onto its self. Show less