Personal Information

Address:

70 Pine Brook Court Cheshire, CT 06410

Current Employment

Company:	Claflin Consulting Services LLC
Position(s) and Responsibilities:	Consultant Arbitrator, umpire, consultant and expert witness in insurance and reinsurance matters.
Phone:	203-699-1711
Cell:	203-907-9141
Email:	susanclaflin@cox.net

Offering Services as Expert Witness in:

Claims (All), Asbestos Claims, Insurance Claims, Liability Claims, Pollution Claims, Toxic Tort Claims, Coverage / Contract Interpretation

Previous Employment

Company:	Direct Response Corp.
Position(s) and Responsibilities:	Vice President, General Counsel, Corporate Secretary Responsible for all legal functions within Direct Response Corp., and its subsidiaries and affiliates, including Response Insurance and Teachers Insurance Plan of America, national direct personal lines automobile insurers. Additional responsibility for Human Resources and Facilities functions.

Company:

Travelers, Hartford, CT

Position(s) and Responsibilities:

Counsel and Insurance Executive with major property casualty insurer, including serving as: Senior Vice President and General Counsel of Travelers Property Casualty, a member of Travelers Group, Group General Counsel – Claim at St Paul Travelers, Executive Vice President – Special Liability Group and Liability, Property and Workers Compensation Major Case at Travelers Property Casualty, and General Counsel – Special Liability Group. Responsible over time for all legal functions of the company, including reinsurance claim, coverage and litigation counsel; insurance claim and coverage counsel; contract, regulatory and compliance attorneys; all asbestos and environmental claims, litigation reinsurance and coverage litigation and related reserve studies. Major liability, property and workers compensation claims. Participated in analyst and investor conferences.

Company:	Morrison, Mahoney & Miller
Position(s) and Responsibilities:	Associate and Branch Office Manager

Company:	Winer & Sulzbach, New Haven CT
Position(s) and Responsibilities:	Associate

Credentials

Attorney:	Yes
Education:	ARIAS US certified Arbitrator, J.D. , admitted to practice law in Connecticut and Massachusetts.
Degrees:	J.D., B.A.
Other Information:	Completed Center for Public Resource Advanced Mediator Training

Work Experience

Insurance Company: 23 years

Legal Department: 21 years. General Counsel, Group General Counsel, Counsel

Claim Department: 2 years. General Counsel - Claim

Law Firm (Insurance/Reinsurance Practice): 7 years

Associate: 7 years. Associate, Branch Manager

Independent/Other Relevant Experience: 5 years

Independent/Unaffiliated Arbitrator, Umpire and/or Mediator: 5 years. Arbitrator, expert witness, consultant

Breakdown of Experience

Asbestos   22% Environmental/Pollution   22% Commercial Liability   10% Automotive Liability/Property   6% Bad Faith/ECO   5% Commercial Property   5%

Toxic Tort   5% Worker's Compensation   5% Personal Lines   5% Product/Consumer Warranties   2% Product Liability   2% Construction Defects   2%

Contract Wording   2% Catastrophes (Casualty)   2% Catastrophes (Property)   2% Regulatory/Licensing   1% Excess/Surplus Lines   1% Intellectual Property   1%

By Market

U.S. Market: 90%

U.K. Market: 10%

Insurance vs. Reinsurance: 70/30%
Treaty vs. Facultative Reinsurance: 40/60%
Former Insurance or Reinsurance Company Officer
Former Insurance or Reinsurance Company Director

Mediation Experience

Number of Mediations

As Counsel: 25+

ARIAS Experience

Ethics Training, as Trainee: 1; January 2010

ARIAS Conference Faculty: 2; Spring 2006, Spring 2008

Other Approved Training: ARIAS Fall 2009 Educational Seminar - FACULTY

Arbitration Experience

Number of Arbitrations

As an Arbitrator: 25
As an Umpire: 1
As Corporate Representative: 20

Arbitrator Experience

Number of Arbitrations

16	Appointed as an arbitrator.
3	Acted as an arbitrator through the organizational meeting or the arbitration has only reached this stage.
3	Acted as an arbitrator through the organizational meeting or the arbitration has only reached this stage and the resolution of significant pre-hearing motions.
1	Acted as an arbitrator through an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.
2	Acted as an arbitrator through to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.

Umpire Experience

Number of Arbitrations

1	Acted as an umpire through to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.

Company Representative Experience

Number of Arbitrations

20	Not available or unwilling to provide. ARIAS recognizes that in an effort to protect the respective company(ies) that you work(ed) for, you may not be able to divulge the status of the arbitrations that you participated in. Indicate such arbitrations here.

Biography

Susan Stonehill Claflin is an attorney and insurance executive with over 28 years of experience, including 21 years in various legal and executive positions within the insurance industry. She has extensive experience with asbestos, environmental, cumulative injury and major claims mediations, arbitrations and litigation. She has been involved in primary, excess, facultative and treaty insurance and reinsurance issues. Her expertise provides an excellent background for her work with Claflin Consulting Services LLC as an arbitrator, umpire, mediator, expert witness and consultant.

Ms. Claflin’s most recently served as General Counsel of Direct Response Corporation and its direct to consumer insurance subsidiaries. Previously she held various executive and legal positions at Travelers Property Casualty, including General Counsel, Group General Counsel - Claims, and Executive Vice President and the head of the Special Liability Group, responsible for all of the Company’s asbestos, environmental and cumulative injury claims, and the coverage litigation and reinsurance arbitrations arising out of such claims.

She was a key player in the 2002 asbestos reserve study in which the Company added significantly to its asbestos reserve in response to the changing claim and legal environment. At the same time, she was also responsible for the Company’s Liability, Property and Workers Compensation Major Case Units located throughout the country.

Prior to joining Travelers, Ms. Claflin was an attorney in private practice with Morrison, Mahoney & Miller in Boston, Massachusetts where she specialized in product liability litigation. She opened the firm’s first branch office in Springfield, Massachusetts. She is a graduate of Western New England School of Law, where she was Notes Editor of the Law Review, and the George Washington University, where she was Phi Beta Kappa.