American Association of Insurance Management Consultants

Pauline Thomas, CRM, CIC, ARM, CISR

Position / Title: 
Company Name: 
dba: Effective Risk Management
19200 Von Karman Avenue
Suite 600
Irvine, CA 92612
Business Phone: 
(949) 251-1500
(___) ___-____


Independent Risk Management & Insurance Consultant and Expert Witness. 46+ years’ experience with commercial and personal risks. Provide fee based transactional consulting services to self-insureds and buyers of insurance and litigation consulting and expert witness services to legal counsel. We do not sell insurance.

We help clients, lawyers and other professionals understand insurance and risk management transactions, industry customs and practices and standard of care, insurance coverages, brokering, underwriting, contract risk transfer clauses, safety and loss control programs and other risk related activities.

Education, training and experience includes surety, insurance, captives, self-insurance, legal issues, safety, loss control, agency management, construction, real estate, public entity, healthcare, garment manufacturing, food processing, PEO and other industries. Insurance industry experience includes insurance company, retail agent / broker / producer, wholesale agent / broker / producer, intermediary, excess and surplus lines, managing agent, general agent, underwriting, claims, risk management and insurance consulting. Licensed in 10 states as a consultant or a producer (agent / broker).

Membership Level

Professional Member

Areas of Expertise

  • Company - Wholesaler - MGA
    • Management
      • Agency - Broker - Wholesaler Relationships
      • Binding Authority
      • Program Design/Development
      • Retail - Wholesale Relationships
      • Underwriting Audits & Reviews
  • Corporations & Enterprise
    • Insurance Related
      • Agent/Broker Selection
      • Insurance Bidding
      • Insurance Coverage Analysis/Design
      • Retrospective/Cost-Plus/Loss-Sensitive Rating
    • Risk Management
      • Risk Assessment Services
      • Risk Management Planning
  • Legal - Litigation - Claims
    • Claims Handling
      • Bad Faith
      • Forensic Claim Analysis
      • Unfair Claims Settlement Practices
      • Wrongful Cancellation
    • Expert Witness - Litigation Support
      • Agency - Company Disputes
      • Captive Related
      • Coverage - Claim Disputes - P&C
      • Customs
      • Customs, Standards, Practices & Duties - P&C
      • Duties
      • Errors & Omissions - P&C
      • Practice
      • Standards
      • Underwriting - P&C
    • Legal Consulting
      • Errors and Omissions Cases