Roy Pollock

Roy Pollock

435 Monterey Drive
Aptos, CA 95003
Office: 831-345-5700
Fax: 831-464-3904

Mr. Pollock has over 40 years experience in the insurance industry. He has experience as an underwriter, agent, broker, District Manager, Third Party Administrator and as an owner/operator of large multi-office insurance brokerages. He has owned, operated and managed major insurance brokerages with 15 offices throughout California.

For the past 20 years Mr. Pollock has served s a multi-faceted consultant for the insurance industry and extensively as an expert witness or a wide range of insurance matters. He is also certified to teach a wide range of classes for the California Department of Insurance licensing and CE credits.

Mr. Pollock has testified in over 450 cases and has represented both plaintiffs and claimants on almost an equal basis. Mr. Pollock specializes in agent/broker duties and standards. He has testified in both State and Federal Courts and in 26 different states.

Mr. Polllock has provided expert testimony on matters such as:

Agency operations Agent Errors & Omissions
Agent duties and standards Reinsurance
Bad faith Underwriting
Commercial Lines insurance Automobile insurance
Binging coverage Underwriting and risk analysis
Right of Subrogation Duties of an Underwriter
Standard of Care Risk Analysis
Commercial Underwriting Policy Rescission
Workers compensation Risk Prevention
Placing and binding coverage Surplus Lines
Agency loss ratio Standards of the Industry
Life & disability insurance Employee vs. Independent Contractor
Standards of the industry Commercial Trucking Regulations
Ethics Underwriting standards
Expended or Special Agent Duties Agency Operations
Coverage, Exclusions and Restrictions Policy Interpretation
Agent carrier relations Workers Compensation Issues

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


References upon request.