Mr. David L. Stegall, CPCU, ARM, ARe, RPA

Risk Consulting & Expert Services
6 Office Park Circle, Suite 100
Birmingham , AL 35223
Office: 855-255-5353

David Stegall is Principal Consultant of Risk Consulting & Expert Services, a nationwide, fee- for-service only, insurance and risk management consulting practice providing analysis, advice and professional services to commerce, industry and government.
He founded Risk Consulting & Expert Services in 2007 after having served many roles within the property and casualty insurance industry over the previous 30 years. Mr. Stegall served as an underwriter, a retail insurance agent with local, regional, national and international retail broking firms, a national wholesale broker, an insurance carrier chief underwriting officer, an insurance carrier regional vice president, a managing general agent, an underwriting manager, and an executive for a captive insurance company, a self-insured fund and a reinsurer.
Mr. Stegall holds a B.A. in Communications from Auburn University. He is also a Chartered Property & Casualty Underwriter (CPCU), an Associate in Risk Management (ARM), an Associate in Reinsurance (ARe) and a Registered Professional Adjuster (RPA). He is President of the Society of Risk Management Consultants, Insurance Practice Director and Faculty Member of 86 Pillars, Member of the Board of Directors of Alabama Captive Association, Inc., an Associate Member of the American Bar Association - Litigation Section (Tort Trial and Insurance Practices Committee and the General Committees: Insurance Coverage Litigation, Fidelity and Surety Law and Self-Insurers and Risk Managers, a Member of the Defense Research Institute, a Member of the Association of Registered Professional Adjusters, and a Member of the Forensic Expert Witness Association.
Mr. Stegall is an A.M. Best’s Recommended Expert Service Provider, an IMS Expert Services EliteXpert, a Thomson Reuter’s Expert Witness, a TASA Expert Witness, a Gerson Lehman Group Consultant.
He has been Designated as an expert on over 80 forensic case assignments, in over 30 State and 32 Federal Districts. He has provided over 50 Expert Opinion Reports, been Deposed over 30 times and testified in four Trials. Approximately 60% of cases were for the Defense and 40% for the Plaintiffs.

Areas of Expertise
  • Auto Insurance
  • Bad Faith
  • Business/Employment Insurance
  • Fire Insurance
  • Homeowner's Insurance
  • Insurance
  • Insurance Adjuster
  • Insurance Agency
  • Insurance Agent/Broker
  • Insurance Customs & Practices
  • Insurance Excess & Surplus Lines
  • Insurance Fraud
  • Liability Insurance
  • Marine Insurance
  • Property & Casualty Insurance
  • Reinsurance
  • Risk Management
  • Workers Compensation Insurance

Expert Background
Q: Please list your professional accreditations, degrees, licenses, and certificates granted:
A: Auburn University B.A.
Chartered Property & Casualty Underwriter (CPCU)
Associate in Risk Management (ARM)
Associate in Reinsurance (ARe)
Registered Professional Adjuster (RPA)

Q: Please list your affiliations or memberships in any professional and/or industry organizations:
A: Society of Risk Management Consultants - President 2016-2017
Insurance Practice Director for 86 Pillars
Society of Chartered Property & Casualty Underwriters
Registered Professional Adjusters Association
Forensic Expert Witness Association
American Bar Association
Gerson Lehrman Group Consultant
Thomson Reuter's Expert Witness
GuidePoint Global Expert Council
Defense Research Institute Expert Witness
Q: Please list any teaching or speaking experience you have had, including subject matter:
A: Georgia Independent Agents Association Convention
Atlanta University Center’s Risk Management Symposium
Auburn University School of Business Financial Managers Association
Florida Association of Self Insurer’s Annual Convention
Georgia Captive Association Convention
Samford University School of Business Insurance & Risk Management Symposium
Q: Have any of your accreditations ever been investigated, suspended or removed? (if yes, explain)
A: No
Q: On how many occasions have you been retained as an expert?
A: 85
Q: For what area(s) of expertise have you been retained as an expert?
A: Insurance usual and customary practices and standard of care required within the industry. Bad Faith and Fair vs. Unfair Claims Practices. Insured application misrepresentation and insurance carrier recension of coverage. Insurance agency errors and omissions, standard of care, failure to provide coverage, agents responsibility and liability. Underwriting guidelines, misrepresentation and denial of coverage. Contract Surety usual and customary practices and standard of care. Directors & Officers Liability and Professional Liability usual and customary practices and standard of care within the industry. Captive Insurance and the various usage and usual and customary practices of creating and managing.

Surety & Fidelity Bonds, Product Recall and Bad Faith.

Self-Insured Workers' Compensation claims handling procedures and risk management cost allocation systems.
Q: In what percentage of your cases were you retained by the plaintiff?
A: 35%
Q: In what percentage of your cases were you retained by the defendant?
A: 65%
Q: On how many occasions have you had your deposition taken?
A: 35
Q: When was the last time you had your deposition taken?
A: May 2017
Q: On how many occasions have you been qualified by a court to give expert testimony?
A: 10
Q: On how many occasions have you testified as an expert in court or before an arbitrator?
A: 4
Q: For how many years have you worked with the legal industry as an expert?
A: 10 years
Q: What services do you offer? (E.g.: consulting, testing, reports, site inspections etc.)
A: Pre-filing examination, deposition, testimony
Professional Advisory Services
Evaluation, Analysis & Opinion on “Bad Faith” & “Unfair Claims Practices”
Evaluation, Analysis & Opinion on Insurance Policy & Reinsurance Certificate terms, conditions, coverage; captives, excess limits; deductibles & retentions
Q: What is your hourly rate to consult with an attorney?
A: $400
Q: What is your hourly rate to review documents?
A: $400
Q: What is your hourly rate to provide deposition testimony?
A: $400
Q: What is your hourly rate to provide testimony at trial?
A: $400
Q: Please list any fees other than those stated above (E.g.: travel expenses, copy fees, etc.)
A: Retainer is payable in advance and will be credited to the final bill of the engagement.
Minimum Charge is the nonrefundable portion of retainer for this engagement.
Hourly Rates will be computed on the basis of time for work performed, including but not limited to document review, research, conferences, telephone calls, and report preparation.
Portal to Portal Hourly Rates 1/2 of regular rate and will be computed on the basis of time expended traveling from one portal to the destination portal.
Trial Stand-By Rates will be computed on the basis of time that has been reserved for trial testimony whether the testimony takes place or not unless cancelled two weeks prior to the anticipated trial date.
Per Diem Fee $500. Payable in advance at least five business days prior to deposition or court testimony. It is non-refundable. If, however, the testimony is cancelled more than five business days before the date of testimony, the per diem fee will be refunded.


Unless specifically mutually agreed in writing, expenses will be determined as shown below:
Travel by Air or Train: The actual cost of a refundable round-trip ticket for business or coach class, unless refundable tickets are not available or travel is otherwise directed. If refundable tickets are not available or travel is otherwise directed to purchase nonrefundable tickets to lower expenses, any costs incurred related to the nonrefundable tickets shall be reimbursed;
Travel by Personal Automobile: Equal to the IRS mileage allowance for business use of personal car at time of travel;
Car Rental: The cost of a full-sized rental car and any associated expenses, if travel is beyond the local area (greater than 50 miles) of the expert;
Per Diem amount covers Lodging, Meals, Ground Transportation and Incidental Expenses
Other Expenses: The actual costs incurred from postage, delivery, photography, reproduction of documents, preparation of exhibits, storage of materials or other reasonable expenditures.


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David Stegall Insurance and Risk Management Practice Stegall briefly discusses his Insurance Expert Witness pratice