Continuing Education For Property & Casualty Professionals
Keynote Speaking / Trade Group Educational Seminars
Presented by: Paul Migdal, Esq.
Courses Offered — Course Listings and Descriptions
Testimonials — Candid responses from past attendees
Who Should Attend?
- Agents/Brokers (Courses qualify for CE credits)
- Attorneys
- Accountants
- Risk Managers
- Fraternal Organization Members
- Trade Association Members
Why Paul Migdal?
Paul began his career in the insurance world as a lawyer whose firm represented insurance companies in first-party coverage situations. He spent almost 30 years, representing both large and small insurers. One of his roles was to keep the insurance companies from acting in bad faith in their negotiations with insureds.
It was often the case that, as the laws changed, the insurance company would put pressure on their counsel to defend their interests in ways which were detrimental to the insured. As counsel, Paul was often asked to defend a denial of claim or a lesser settlement based on what was in the best interest for the insurance company. It became clear to him that he could no 
longer serve two masters; the insurance company and the insured (their client). It was, for him, clearly an intolerable conflict of interest.
Thirteen years ago, The Greenspan Co./Adjusters International invited him to join their team as an adjuster, allowing him to use the knowledge and skills that he had honed as a lawyer to benefit their clients. Since that time, Paul has been a principal of the firm. Here he works for one client—the insured—using his abilities and his experience to make the insurance companies do what they are obligated to do by their own policies.
Paul's teaching style is light and easy with significant "class" participation.
Sign Up Today
Courses are available for groups, professional associations and private firms. Paul is experienced as a participating keynote speaker or panel member and would be an excellent addition to your breakfast, lunch or dinner meetings. Attendees earn 3 CEU's for these Property & Casualty courses.
To schedule an accredited or custom-tailored course, or for more information, please contact:
Rich Hallock
(800) 248-3888 or e-mail: rich@greenspan-ai.com or
Paul Migdal, Esq.
(800) 248-3888 or e-mail: paul@greenspan-ai.com
Courses Offered
Business Interruption...What The Agent/Broker Needs To Know
(3 CEU's)
It is almost without exception that a business owner will, as part of their commercial insurance package, purchase business income insurance with or without extra expense coverage.
Unlike property insurance—which provides coverage for physical losses that can be measured and quantified in a relatively straight-forward manner—business income coverage losses are always measured and quantified with some degree of "grayness".
One of the best statements I have encountered regarding this subject is as follows:
"Every business interruption insurance claim is different and each has its own specific area(s) of difficulty. 
Whenever anyone is required to 'predict what would have happened,' there is always a degree of "grayness!... (E)ach loss/claim must be assessed based upon its own specific circumstances, the exact insurance wording in effect and the insured's normal business and operating practices. Unfortunately, there are no absolute rules which apply in all situations to…often contentious business interruption insurance issues." (1)
This class explores the complexities involved in business interruption claims.
(1) "Business Interruption Insurance "Its Secrets Revealed", Paterson, Jamieson & Arnet, page 202
Intricacies of Adjusting Property Losses (3 CEU's)
Every property insurance policy brings into play a myriad of questions and issues, including but not limited to: Who may insure the property? What is the nature of the property which may be insured? To what extent may one insure their property interests? The methods of valuing damaged or destroyed property; the methods of measuring the extent of the damages or destruction; and, the ultimate determination of the amount of insurance proceeds to which the insured party is entitled.
Unfortunately, no insurance policy fully addresses and explains all of the issues, questions and answers which constantly arise in the "world of insurance". If it were possible to address each of these matters in writing, insurance policies would come in volumes rivaling the encyclopedia. Most of our answers come from sources outside of the policies themselves, in the form of statutes, judicial decisions and commentaries.
This class explores the adjustment of property losses from the Public Adjuster's perspective.
The following classes can be tailored to your needs. Course formats range from a 20-30 minute lecture with questions and answers to up to a 3-hour lecture with class participation.
What is a Public Adjuster?
In this class Paul explores the history of public adjusting from its early beginnings at the turn of the 20th Century to today. He discusses the National Association of Public Insurance Adjusters, the Model Public Adjusters Act, and the attitudes of insureds and insurers in today's climate as it pertains to public adjusting and professional loss consulting.
Business Interruption - Beginners
In this class Paul explores the basic concepts of business interruption, extra and expediting expenses, and how policies and concepts are applied in specific loss scenarios. Paul's experience as a lecturer and speaker makes what most perceive as a difficult and confusing topic, very simple.
Business Interruption - Advanced
In this class, Paul addresses advanced and complex business interruption concepts using specific examples from his years as both a lawyer and public adjuster. He explores where the theoretical and practical worlds clash and discusses how best to insure and cover complex risks. He will discuss how to best apply extra expense and expediting expense coverages citing real loss scenarios.
Evaluation of Property Losses - Actual Cash Value & Replacement Cost
In this class Paul delves into the complex and oft misunderstood world of Actual Cash Value and Replacement Cost. What do these terms mean? How are these coverages applied in specific loss scenarios? Are there different applications in total verses partial loss situations?
Paul also discusses the areas of functional replacement verses true replacement.
Business Income 101 — Paul Migdal "Students Comments"
This was the best – I recommend this to all businesses professionals and producers.
Allen Salsbury
Salsbury & Associates Insurance
Fremont, CA
The class was done in a professional but clear format. The ideas were very informative and the instructor’s guidance kept the needs of insured a priority.
Gracie
DiBuduo & DeFendis Insurance Brokers
Fresno, CA
Extremely informative, relevant & entertaining
Lenore Marshall
Lovitt & Touché, Inc.
Tempe, AZ
Instructor made content accessible and intriguing. Kept my attention throughout, was a great learning experience.
Simone Youngblood
McClatchy Insurance Agency
Sacramento, CA
Valuable information for any insurance professional
Catherine Cerbo
Agri-Center Insurance Group
Fresno, CA
Paul was an outstanding instructor – I wouldn’t change this presentation. Great examples, very clear, great take away examples to share with insureds. Thank you!!
Joe Delucchi
CAL Insurance & Associates, Inc.
San Francisco, CA
