Pauline Thomas, CRM, CIC, ARM, CISR

Ms. Pauline Thomas, CRM, CIC, ARM, CISR

Effective Risk Management
P. O. Box 2192
Costa Mesa, CA 92628-2192
Office: 949-251-1500

Ms. Thomas is a property/casualty insurance and risk management consultant with over 51+ years' industry experience with personal and commercial lines. Expert witness work includes property, liability, casualty, inland marine, bonds, workers compensation, insurance and risk management custom and practice, producer, agent and broker duties, responsibilities, standard of care, coverage analysis and interpretation, marketing, rating, underwriting, audits, good faith, bad faith, self-insurance, interpretation of insurance clauses in business contracts, contractual liability, additional insured, certificates of insurance, retrospective rating, claim denials, PEOs. Experience includes insurance company, retail agent - broker - producer, wholesale agent - broker - producer, excess and surplus lines, intermediary, managing agent, general agent, underwriting agent, risk management and insurance consulting. Licensed in ten states. Past President, Society of Risk Management Consultants. Expert witness and litigation support provided to state and federal cases including case evaluation and organization, declarations, Rule 16B and Rule 26 reports, deposition and trial testimony.

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

Expert Background
Q: Please list your professional accreditations, degrees, licenses, and certificates granted:
A: Certified Risk Manager
Certified Insurance Counselor
Associate in Risk Management
Certified Insurance Service Representative
Q: Please list your affiliations or memberships in any professional and/or industry organizations:
A: Society of Risk Management Consultants
Society of Certified Insurance Counselors
The Academy of Producer Insurance Studies - Fellow
Chartered Property Casualty Underwriter Society
Member of the Faculty of the Virtual University of the Independent Insurance
Agents and Brokers Association of America (IIABA)


References upon request.