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William G. (Sandy) Hauserman
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Current Employment
  • Company:
    Digital Risk Resources
  • Position(s) and Responsibilities:

    CEO & Co-Founder

    Digital Risk Resources (DRE) is an insurance product development & distribution company with a unique distribution strategy. DRe markets its products to Insurance Companies, Associations, Agents, Benifit Managers, and MGA’s who in turn sell those products through their established distribution systems. DRe’s products include Cyber Insurance, EPLI, and Online Banking Protection.

    DRe’s clients can access its Specialty Products in two ways: (1) a Turn-key “Re-insured” suite of services that enables an insurer to offer the desired coverage on its own “paper” backed up by 100% quota share reinsurance and (2) a Wholesale Platform that provides access to an on-line underwriting, rating, policy issuance, and billing website.

    The “reinsured” suite of services is a turn-key product that includes; (a) Coverage Forms, (b) Underwriting, Rating Rates and Rules, (c) Up to 100% Quota Share Reinsurance, (d) Proactive Risk and Awareness Training, and (e) Claims Facilitation.

    The Wholesale platform includes: (a) Partnership with the CRC/Crump Group, (b) online website for rating, billing and policy issuance, (c) Customer Support & Policyholder Training and (d) a high quality filed and “admitted” Aspen American Insurance Company coverage form.

  • Address:
    459 Portland Street
    Danville, 05828
  • Phone:
    802-748-1333
  • Cell:
    802-535-2905
  • Email:
    sandy@digitalriskre.com
  • Website:
    www.digitalriskre.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:
    Stones River Consulting, LLC
  • Position(s) and Responsibilities:

    Stones River Consulting, LLC – CEO & Founder. Please note that Stones River Consulting is active.

    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.

  • 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: 23 years.
      Broker: 19 years. SVP - World Wide Head of Environmental Liability Specialty Practice
      Consultant: 4 years. CEO & Co-Founder Digital Risk Resources
    Breakdown of Experience
    • Contract Wording
      15%
    • Professional Liability/Errors &, Omissions
      15%
    • Environmental/Pollution
      10%
    • Employment Practices Liability
      8%
    • Personal Lines
      5%
    • Directors &, Officers
      4%
    • Architects &, Engineers
      4%
    • Regulatory/Licensing
      4%
    • Commercial Liability
      3%
    • Excess/Surplus Lines
      3%
    • Catastrophes (Casualty)
      3%
    • Catastrophes (Property)
      2%
    • Agricultural
      2%
    • Commercial Property
      2%
    • Healthcare
      2%
    • Captives/Risk Retention Groups
      2%
    • MGA/MGU
      2%
    • Product Liability
      2%
    • Libel/Slander/Media Liability
      2%
    • Automobile Liability/Property
      2%
    • Asbestos
      2%
    • Finite
      1%
    • Workers' Compensation
      1%
    • Financial Guarantee
      1%
    • Commutations
      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: 20/80%
    Treaty vs. Facultative Reinsurance: 85/15%
    Current Insurance or Reinsurance Company Officer
    Current Insurance or Reinsurance Company Director

    ARIAS Experience

    Workshops, as Trainee: 1; September 2004

    Ethics Training, as Trainee: 1; May 2010

    ARIAS Conference Faculty: 1; Fall 2006

    Arbitration Experience

    Number of Arbitrations

    As an Arbitrator: 10

    Arbitrator Experience
    Number of Arbitrations
    7
    Appointed as an arbitrator.
    2
    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 to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.
    Biography