Personal Information

Address:	449 Willson Road Danville, VT 05828
Phone:	802-684-3349

Current Employment

Company:	Stones River Consulting, LLC
Position(s) and Responsibilities:	Stones River Consulting, LLC – Managing Member. SRC offers arbitration, expert witness and consulting services to the insurance/reinsurance industry and the legal community. Areas of expertise include broking, underwriting, reinsurance contracts, litigation consulting, and evaluation of issues associated with environmental liability, professional liability, digital (cyber) risk, property insurance (especially Florida), climate change, nanotechnology, alternative energy, and e-waste.
Address:	459 Portland Street - Suite 202 St. Johnsbury, VT 05819
Phone:	(802) 748-1333
Cell:	(802)-535-2905
Fax:	(802) 748-1333
Email:	sandy@stonesriverconsulting.com

Offering Services as Expert Witness in:

Casualty Underwriting, Directors and Officers Liability Underwriting, Excess of Loss Reinsurance Agreements, Facultative Certificates, Professional Liability Underwriting, Property Underwriting, Reinsurance Underwriting, Coverage / Contract Interpretation, Regulatory / Compliance, Reinsurance Contract Wording

Previous Employment

Company:

Guy Carpenter & Co., Inc.

Position(s) and Responsibilities:

Senior Vice President – Reinsurance Intermediary - World-wide Environmental Liability Specialty Practice Leader. Member Professional Liability Specialty Practice, Cyber-Risk initiative and the Marsh, Inc. Global Climate Change Group. Responsibilities included: Managing a portfolio of environmental, professional liability and cyber-risk treaties. Drafting and negotiating reinsurance contracts, providing in-house advice on reinsurance contract issues, and monitoring insurance regulatory matters. Speaheaded the firms exploration into emerging issues such as climate change, nanotechnology, alternative energy, e-waste, and environmental institutional controls. Writing and lecturing on subjects of expertise. Working with the Federal Government on Internet, Critical Infrastructure and Terrorism issues. Development of new products and accounts (one example of which is the creation of a new reinsurance catastrophe product for the accumulation of cyber-risk exposures (called a cyber-hurricane).

Company:	San Francisco Reinsurance Company
Position(s) and Responsibilities:	Assistant Vice President, New York Branch Manager, Treaty Underwriter & Casualty Facultative Underwriter Responsibilities included: Managing a branch office. Underwriting a book of Property and Casualty Treaty accounts. Underwriting a book of Casualty Facultative accounts.

Company:	Fireman’s Fund Insurance Companies
Position(s) and Responsibilities:	Senior Underwriter Responsibilities included: Underwriting a book of Commercial Association business. Underwrote all lines of commercial insurance including property, casualty, Workers Compensation, crime, fidelity and umbrella. Teaching at Company Underwriter Training School.

Credentials

Attorney:	Yes
Education:	B.A. Colorado College Teaching Credential – History and Broad Field Social Studies, Colorado College MSL (Masters of Studies in Environmental Law), Summa Cum Laude – Vermont Law School J.D., Cum Laude – Pace University School of Law
Other Information:	Member Guy Carpenter Contract Wordings Committee. Admitted to practice law in New York and the United States District Court - Southern District of New York Expert Witness for Insurance/Reinsurance court case Senior Counsel to Nanotech Risk Management CEO of Digital Risk Resources Member of the Advisory Committee of the Environmental Law Center at Vermont Law School Formal mediation training from: Vermont Law School

Work Experience

Insurance Company: 4 years

Underwriting Department: 4 years. Senior Underwriter - Underwrote all lines of insurance for a Book of Commerical Association Accounts

Reinsurance Company: 7 years

Underwriting Department: 7 years. AVP - Facultative & Treaty Underwriter

Insurance-related Firms: 20 years

Broker: 20 years. SVP - World Wide Head of Environmental Liability Specialty Practice

Breakdown of Experience

Environmental/Pollution   30% Contract Wording   10% Professional Liability/Errors & Omissions   10% Employment Practices Liability   5% Directors & Officers   3% Excess/Surplus Lines   3% Financial Guarantee   3% Agricultural   3% Catastrophes (Casualty)   3%

Catastrophes (Property)   3% Commercial Liability   3% Commercial Property   3% Construction Defects   2% Automotive Liability/Property   2% Captives/Risk Retention Groups   2% Libel/Slander/Media Liability   2% MGA/MGU   2% Product/Consumer Warranties   2%

Product Liability   2% Personal Lines   1% Toxic Tort   1% Worker's Compensation   1% Finite   1% Fidelity & Surety   1% Bad Faith/ECO   1% Alternative/Self-Insurance/Risk Management   1%

By Market

U.S. Market: 65%

U.K. Market: 20%

Bermuda/Off-shore Market: 10%

European Market: 5%

Insurance vs. Reinsurance: 15/85%
Treaty vs. Facultative Reinsurance: 85/15%
Former Insurance or Reinsurance Company Officer

ARIAS Experience

Workshops, as Trainee: 1; September 2004

Ethics Training, as Trainee: 1; May 2010

ARIAS Conference Faculty: 1; Fall 2006

Biography