Richard C. Franklin
Current Employment
  • Company:
    RC Franklin Consulting
  • Position(s) and Responsibilities:

    CEO & President 2015- present

    Expert witness and consulting services provided to insurers, businesses and the legal community. Engagements include coverage, underwriting and claims matters in addition to risk management and insurance product development services.

  • Address:
    1200 Newnan Crossing Blvd East
    Newnan, GEORGIA 30265
  • Phone:
  • Email:
Offering Services as Expert Witness in:
Casualty Underwriting, Insurance Underwriting, Liability Underwriting, Workers Comp Underwriting, Regulatory / Compliance
Previous Employment
  • Company:
    RC Franklin Enterprises LLC
  • Position(s) and Responsibilities:

    CEO & President 2005- 2014

    Expert witness and consulting services provided independently to the business, legal and investment communities of the insurance and reinsurance industry. Engagements include coverage, underwriting and claims matters, business improvement consulting and identification of acquisition targets for private equity interests.

  • Company:
    ACE American Insurance Company
  • Position(s) and Responsibilities:

    Chief Underwriter Commercial Lines, Product Development and Regulatory Services. Responsibilities included all commercial lines primary and excess, admitted and non-admitted, insurance and reinsurance.

  • Company:
    CIGNA Property and Casualty Insurance Companies
  • Position(s) and Responsibilities:

    Chief Underwriter Commercial Lines, Product Development and Regulatory Services, Producer Management and Business Development and Operations

  • Company:
    Insurance Company of North America
  • Position(s) and Responsibilities:

    All lines management and underwriting commercial and personal lines with emphasis on commercial liability, workers compensation, automobile and multi-peril lines including primary and excess products

  • Attorney:
  • Other Information:
    Board of Directors ACE and CIGNA Insurance Companies, President CIGNA Insurance Companies, Board of Directors ACE Tempest Re USA, President ACE INA Excess and Surplus Lines Brokers
Work Experience
  • Insurance Company: 34 years.
    Underwriting Department: 34 years.
  • Insurance-related Firms: 10 years.
    Consultant: 10 years. CEO & President
Breakdown of Experience
  • Product Liability
  • Contract Wording
  • Commercial Liability
  • Workers' Compensation
  • Excess/Surplus Lines
  • Insolvencies
  • Commutations
  • Professional Liability/Errors &, Omissions
  • Asbestos
  • Directors &, Officers
  • Environmental/Pollution
By Market
  • U.S. Market:
  • U.K. Market:
  • Bermuda/Off-shore Market:

Insurance vs. Reinsurance: 85/15%
Treaty vs. Facultative Reinsurance: 60/40%

ARIAS Experience

Workshops, as Trainee: 1; September 2004

Ethics Training, as Trainee: 1; August 2009; September 2011

Arbitration Experience

Number of Arbitrations

As Corporate Representative: 3

Company Representative Experience
Number of Arbitrations
Appointed to act as Company Representative.
Company Representative in arbitration through evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.

A property and casualty insurance and reinsurance professional with experience developing and managing U.S. personal and commercial lines business for insurers. Primary strengths include business analysis and strategy, underwriting, marketing and business development, operations and regulatory management.

* Consulting and expert witness services provided independently to the insurer, business and legal communities of the insurance industry. Engagements include coverage, underwriting, claims, rehabilitation, commutation, and rescission and wrap up programs.

* Chief Underwriting Officer for 10 years with major commercial insurer. Major lines include property, liability, automobile, workers compensation, excess and umbrella liability, and E&O. Expertise includes admitted and Excess and Surplus, primary and excess, self-insured retentions, large deductibles, individual and group captives, managing general agencies, programs and reinsurance.

* Business Development responsibilities for research, product development and marketing led to the development of new products and markets that are now large and profitable mainstays of the company’s business.

* Regulatory experience spans 25 years and includes personal and commercial lines product line and producer management, filing, compliance, and customer service. This includes legislative and regulatory response to issues at the Federal and state levels.

* Business Management experience includes branch and regional line management, Chief Operating Officer of farm insurance operations, Worker’s Compensation product line officer, general manager of professional risk insurance, and Senior Vice President commercial insurance services.


Board of Directors ACE Insurance Companies 1999-2004

Board of Directors CIGNA Insurance Companies 1992-1999

President CIGNA Insurance Companies 1992-1999

Board of Directors ACE Tempest Re USA 2000-2004

President ACE INA Excess & Surplus Lines Brokers 1992-1999