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

Risk Consulting & Expert Services
6 Office Park Circle, Suite 215
Mountain Brook, AL 35223
Mobile: 205-732-2336
Office: 855-255-5353

David Stegall has been the Principal Consultant and Founder of Risk Consulting & Expert Services (RCES) since January 1, 2007 with over 44 years of insurance, reinsurance, bond and risk management industry experience. He is a Chartered Property & Casualty Underwriter, an Associate in Risk Management, an Associate in Reinsurance and a Registered Professional Adjuster and has experience as an underwriter, an agent, a broker, a surety bond producer, a reinsurer, a managing general agent, a third-party administrator, a captive manager, a self- insured fund executive, a risk management consultant, an expert witness and has been retained as an arbitrator in two Arbitrations.
Mr. Stegall was President of the Society of Risk Management Consultants in 2017 and continues to serve on the Board of Directors. He is also a member of the Board of Directors of the Alabama Captive Insurance Association, a member of the Society of Chartered Property & Casualty Underwriters, the American Association of Insurance Management Consultants, the Society of Registered Professional Adjusters, ARIAS-US (Arbitrators), Defense Research Institute, and an Associate Member of the American Bar Association – Tort, Trial and Insurance Section.
RCES provides research, analysis and advice to commerce, industry, government and individuals. The forensic expert witness consulting practice includes designation as an expert witness in 176 case assignments, 89 State cases and 85 Federal cases. These cases have been located in Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Jersey, New Mexico, New York, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, Puerto Rico, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Vermont, Washington, Wisconsin and British Columbia, Canada. Mr. Stegall has provided 154 expert opinions or reports, been deposed 83 times and testified in six trials and three arbitration hearings. His case assignments are divided between 94 for the Defense and 83 for the Plaintiffs.

Areas of Expertise
  • Auto Insurance
  • Bad Faith
  • Business/Employment Insurance
  • Fire Insurance
  • Homeowner's Insurance
  • Insurance - General
  • 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
Society of Chartered Property & Casualty Underwriters
American Association of Insurance Management Consultants
ARIAS - Insurance & Reinsurance Arbitrators
Registered Professional Adjusters Association
American Bar Association-Associate Member-Tort & Insurance Section
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
Mississippi Defense Lawyers and Claims Adjuster Joint Annual 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: 160
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: 47%
Q: In what percentage of your cases were you retained by the defendant?
A: 53%
Q: On how many occasions have you had your deposition taken?
A: 65
Q: When was the last time you had your deposition taken?
A: August 2019
Q: On how many occasions have you been qualified by a court to give expert testimony?
A: 5 Trials and 4 Arbitrations
Q: On how many occasions have you testified as an expert in court or before an arbitrator?
A: 9
Q: For how many years have you worked with the legal industry as an expert?
A: 14 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: $600
Q: What is your hourly rate to review documents?
A: $600
Q: What is your hourly rate to provide deposition testimony?
A: $600
Q: What is your hourly rate to provide testimony at trial?
A: $600
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 GSA X 3.. 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 non-refundable tickets to lower expenses, any costs incurred related to the non-refundable tickets shall be reimbursed;
Travel by Personal Automobile: Equal to the IRS mileage allowance for business use of personal car at time of travel;
Per Diem includes 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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