Michael Gay

Michael W. Gay, CPCU, ARM, ARM-P, AAI, AAI-M, AINS, AIS, CRIS is an insurance expert witness, consultant, educator, and author with more than 40 years of experience spanning underwriting, retail agency operations, brokerage, program administration, risk management, and insurance consulting. Mr. Gay has been retained in state and federal litigation involving insurance agents, brokers, insurers, underwriting practices, professional standards of care, coverage procurement, replacement cost valuation, commercial property, commercial auto, transportation risks, agency errors and omissions, and risk management. He evaluates whether insurance professionals acted consistently with accepted industry standards and explains complex insurance issues in language judges and juries can understand. Throughout his career he has held leadership positions across multiple sectors of the insurance industry and has worked extensively with commercial insurance programs, agency management, underwriting, loss control, and risk assessment. His practical experience is complemented by decades of teaching insurance professionals nationwide through continuing education programs and professional seminars. Mr. Gay is the co-author of Risk-Proof Your Business: The Complete Guide to Smart Insurance Choices and regularly writes and teaches on commercial insurance, agency operations, professional liability, and risk management. His opinions are based on established insurance principles, industry standards, policy language, and more than four decades of practical experience.