Ms. Thomas is a property/casualty insurance and risk management consultant. Expert witness and litigation support work includes agent and broker standard of care, industry custom and practice, retail and wholesale producer, general agent and underwriter responsibilities, coverage interpretation, interpretation of insurance clauses in business contracts. Over 37 years experience includes insurance company underwriter, retail and wholesale agent and broker, excess and surplus lines, general underwriting agent and consulting. Licensed in eight states. Past President of the Society of Risk Management Consultants.