Transportation Insurance Consultants, LLC (2004 - Present)
Wayne, Pennsylvania

Transportation insurance consulting, teaching/training, and expert witness testimony. Expertise in property casualty insurance underwriting, rating, processing, coverage analysis, the agency/general agency distribution system, surplus lines, segregated account cell captives, purchasing groups, risk retention groups, and reinsurance.

Instrumental in developing a new truck insurer including gaining regulatory approval of an insurer license, secured reinsurance, designed the underwriting program, implementing systems, and set up operations. Involved in creating a truck insurance risk retention group and agency captive.

Baldwin Sadler Corporation
Royersford, Pennsylvania

President & Chief Executive Officer(1992 - 2004)
Executive Vice President(1982 - 1992)

Co-owner, co-founder, and executive with primary responsibility for underwriting, financial, operations, administrative, and information systems for a $40 million specialty property casualty underwriter of transportation and miscellaneous errors and omissions insurance.

Underwriting Vice President(1981 - 1982)

Yorktown Indemnity Company
King of Prussia, Pennsylvania

Developed and implemented a truck insurance program for this start-up insurer. Designed independent rule, rate, and form filings, worked with State Insurance Departments to gain regulatory approvals, trained underwriting staff, negotiated reinsurance, and managed day-to-day underwriting activities.

Vice President, Marketing and Underwriting(1979 - 1981)

Northland Insurance Company
St. Paul, Minnesota

Responsible for marketing and underwriting activities for a Best's A+ rated, national, specialty property and casualty insurer of long-haul trucking, motorcycle, mobile home, and surplus lines business through the general agency system. Improved commercial automobile profitability, trained underwriters and managers, and appointed general agents.

Insurance Company of North America
Philadelphia, Pennsylvania

Assistant Vice President(1978 - 1979)
Commercial Liability and Automobile Department
Secretary(1976 - 1978)
Commercial Property Department
Assistant Secretary(1975 - 1976)
Commercial Liability and Automobile Department
Manager - Applied Management Sciences(1972 - 1975)
Corporate Development and Planning Department


Associate in Surplus Lines Insurance (1997)
Chartered Property Casualty Underwriter (1979)

Wharton Graduate School
University of Pennsylvania
M.B.A. (1972) in Management Information and Control with Information Systems Option

Case Institute of Technology
Case Western Reserve University
B.S. (1970) in Management Sciences with Honors


  • Co-author of: "Using a Monte Carlo Simulation as a Part of Training Liability Insurance Underwriters" (1974)
  • Treasurer (1978 - 1979) of the Philadelphia All Star-Forum Series, Inc., a non-profit organization dedicated to encouraging the performing arts in Philadelphia
  • National Secretary and Membership Committee Chairman of the Excess/Surplus/Specialty Lines Section of the Society of CPCU (1985 - 1986)
  • National Chairman of the Excess/Surplus/Specialty Lines Section of the Society of CPCU (1986 - 1989)
  • Author of "Information and Control Systems" chapter of "Partners in Profits: The Managing General Agency System Under Fire" (1992: The Society of CPCU)
  • Instructor - "Trucking Insurance" seminar for The Insurance Society of Philadelphia (2000 to present)
  • Member Property Casualty Insurers Association of America (PCI) Commercial Automobile Insurance Committee (2005 to 2006)
  • Member Trucking Industry Defense Association (2005 to Present)
  • Certified Tax Preparer (2006)