Dave David, CPCU

Dave David, CPCU

235 Main St. Pleasanton, CA 94566

About the Expert

I have enjoyed a 41 year career in the property/casualty insurance market, 37 of it managing or training insurance agents in the field. As a manager I have been involved many difficult areas involving agent standard of care, misrepresentation, errors or omissions, and insurance fraud. I have conducted over 300 agency fiduciary or compliance audits to verify adherence to published rules and regulations. I am currently appointed as a continuing education provider by the California Department of Insurance to teach continuing education classes.

Areas of Expertise

  • Cgl Liability Assessment
  • Homeowner's Insurance
  • Insurance - Property Casualty
  • Insurance Agents & Brokers - Standard of Care
  • Underwriting
  • Workers' Compensation

Expert's Videos

Dave David, CPCU - Expert Insurance Witness

Expert's Profile

I have over 41 years experience working with retail property/casualty insurance agents, 37 of that directly in the field with agents.

Multi-line insurance agents have to be jack-of-all trades, mastering the coverages, underwriting and rating rules for may different types of policies: auto insurance, homeowners insurance, condo unit owners, renters, landlords, small business owners BOP policies, workers comp policies, commercial vehicle policies, commercial equipment policies, as well as recreational policies like motorcycle, motorhome, campers, off road vehicles and collector cars. In addition they have know about excess liability and umbrella policies. Those that are also licensed in life insurance and financial services with securities licenses have even more to know. It can be overwhelming.

In my experience, it is almost impossible to master all of these policies competently and professionally. Therefore many agents specialize in certain types of policies and avoid the others or delegate to their staff employees. It is the failure to master the overwhelming amount of knowledge required that often leads to mistakes in dealing with retail customers. Mistakes can lead to claims being denied or only partially covered.

Professional agents have standards, procedures, checklists and reviews that help them stay on top of the proper risk management decisions with their clients.

I am an expert in analyzing cases involving the above insurance policies to determine if the agent practiced the professional standard of care in executing the insurance transaction with his client.

Personal Achievements

Education

  • Chartered Property Casualty Underwriter since 1989

Licenses

  • California Property/Casualty Agent/Broker since March 1993
  • FINRA Series 6 & 63, and Series 26 Registered Principal

Organizations

  • Forensic Expert Witness Association

Honors

  • Phi Theta Kappa, Phi Beta Kappa

More Information

Listed in the Following States

Dave David, CPCU is listed with ExpertPages in the following jurisdictions: All US Regions and States, Canada (all Provinces).