I have 31 years of experience, and specialize in the field of insurance with specific knowledge in the areas of standards of care, insurance and human resources. I have published on the topic of non-owned Auto. I have testified on standard of care. I hold all insurance licenses and I am a Certified Insurance Counselor. I have taught continuing education in the insurance business since 2001. I have two advanced degrees in business, and I teach as an adjunct associate professor. In addition I possess the professional certification of senior professional in human resources.