Insurance Expert Witness Services

Claims Adjusting/Coverage Disputes - Expert Insurance Witness Michael Sapourn can help you fight for maximum dollars if you have a large Property Claim...

Litigation Expert Advice and Testimony - Michael Sapourn assists attorneys with his expertise in insurance contract construction, claims administration, insurance agency management and his knowledge of the Standard of Care expected of an insurance agent when he places coverage on behalf of his clients...

Policy Construction and Interpretation - Insurance Policies are notoriously convoluted contracts that require training and experience to understand.  Mr. Sapourn has spent almost 30 years studying, reading, interpreting, negotiating and placing the various standard and manuscripted insurance coverage forms...

  • Commercial and Personal Auto Insurance - Commercial Auto Insurance is a complex maze of coverage options, limitations and exclusions which, if inadequately written, could spell disaster to a company in the event of a serious accident...
  • Commercial Property and Loss of Income Protection - Commercial Property coverage can be a source of great comfort at the time of a loss...
  • Homeowners Coverage - Homeowners Coverage has historically been the best value for the insurance dollar. However, the recent run of large catastrophe claims for windstorm, flood and fire has changed the landscape for this traditionally value-packed protection...
  • Commercial Crime and Inland Marine - Commercial Crime Policies schedule protection for Burglary or Theft of Cash, but more importantly, they should include a substantial limit for Employee Theft...
  • Flood and Earthquake - Flood and Earthquake are separately written insurance coverage forms for which additional premium is charged...
  • General Liability - Advising a client about Commercial General Liability insurance requires a thorough understanding of the scope of this coverage and its many contractual limitations and exclusions...
  • Workers Compensation - Workers Compensation is perhaps the trickiest of all insurance programs to understand and that makes being in compliance with state law a question of faith in the expertise of the placing agent...
  • Umbrella and Excess Liability Coverage - Commercial Umbrella Liability (also known as “Excess Liability”) covers high-dollar liability claims that exhaust the underlying coverage limits provided by Auto Liability, General Liability, Employers Liability and other primary liability policies...