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Qualifications

Four decades inside the property and casualty insurance business.

Practical experience across the insurance transaction, supported by respected professional designations, consulting, teaching, and authorship.

Professional background

Michael Gay is an insurance expert witness, litigation consultant, educator, and author with more than 40 years of property and casualty insurance experience. His career includes underwriting, brokerage, agency management, program administration, risk management, and consulting.

Since 2008, he has served as a consulting and testifying expert in matters involving insurance agent and broker conduct, coverage issues, agency practices, and industry standards. He works with both plaintiff and defense counsel and forms opinions independently from the party that retained him.

Professional designations

  • CPCU — Chartered Property Casualty Underwriter
  • AAI — Accredited Adviser in Insurance
  • AAI-M — Accredited Adviser in Insurance Management
  • AINS — Associate in General Insurance
  • AIS — Associate in Insurance Services
  • ARM — Associate in Risk Management
  • ARM-P — Associate in Risk Management for Public Entities
  • CRIS — Construction Risk and Insurance Specialist