Past expert witness cases of Norman Goodman:

1)        AIU Insurance Co. v Surge Temps, Inc etal  - Filed in Superior Court, Rockingham County, New Hampshire. Retained by Defendant Surge as a consulting expert.  Prepared written reports critiquing the complex premium computations of AIU Insurance Company.  Provided expert deposition testimony.

2)        Gold Coast Beverage Distributors Inc v Florida Hospitality Mutual Ins. Co (now ongoing) – Filed in the 11^th Circuit Court, Miami-Dade County, Florida.  Retained by Plaintiff Gold Coast. Prepared a written report of opinions identifying errors and inconsistencies in the Standard and Retrospective Workers Compensation Premiums assessed by Florida Hospitality.

3)       Hartford Fire Insurance v Woburn Nursing Center Inc – Filed in Superior Court, Suffolk County, Massachusetts. Retained by Defendant Woburn as a consulting expert. Prepared written report and telephone support to counsel as to the impact on Standard and Retrospective Premiums of certain disputed workers compensation claims. Also aided in the preparation of portions of Defendant’s Interrogatories. 

4)       National Engineering Service Corp v Liberty Mutual Insurance Corporation – Filed in Superior Court, Middlesex County, Massachusetts.  Retained by Plaintiff National Engineering as a consulting expert. Filed a written report analyzing the methods, procedures and Audited Premiums of Defendant Liberty. Reviewed and provided written report critiquing Deposition of employees of Defendant.

5)       Wireland Products Co. Inc v Liberty Mutual Insurance Co. - Filed in Superior Court, Hampden County, Massachusetts. Retained by Plaintiff Wireland as a consulting expert.  Prepared a written opinion along with experience modification and premium calculations which translate the impact of disputed claims into Earned Premium on the policies of Defendant and subsequent insurers.

6)       Liberty Mutual Insurance Co. v All-In-One Insulation, Inc. - Filed in Superior Court, Suffolk County, Massachusetts.  Retained by Defendant All-In-One. Prepared a written report as to the premium impact of a change in Anniversary Rating Date on Defendant’s workers compensation premiums.  Provided written answers to Plaintiff’s Interrogatories.

7)       Liberty Mutual Insurance Co. v Spartago Masonry, Inc. - Filed in Superior Court, Suffolk County, Massachusetts.  Retained by Defendant Spartago.  Prepared a written opinion critiquing the accuracy of Payroll Audits by the Plaintiff.  Provided Defense counsel with advice on the proper computation of workers compensation premiums, including omitted policy credits.

8)       Liberty Mutual Insurance Co. v R & R Battista Services, Inc. - Filed in Superior Court, Suffolk County, Massachusetts.  Retained by the Defendant, Battista as a consulting expert. Prepared a written opinion as to the errors contained in the Workers Compensation premium computation of the Plaintiff.  Attended Depositions of the Plaintiff.

9)       Insurance Fraud Bureau of Massachusetts v Arthur Pimental dba Pimental Steel Erectors.  Criminal case of Premium Fraud and Mail Fraud.  Retained by Defendant. Provided advice on defense against the assertion that defendant had fraudulently misled insurance company premium auditors.

10)   Commissioners of the State Insurance Fund v Beyer Farms, Inc. – Filed in the Supreme Court, County of New York.  Retained by Defendant Beyer Farms to measure the impact of certain claims on Retrospective Premiums.  Provided defense counsel with advice as to adverse premium effect of mishandled claims.

11) Texas Citrus Exchange and Edinburg Citrus Association v Brown & Brown. Inc et al - Filed in the 275th Judicial District Court, Hidalgo County, Texas. Retained by Plaintiffs TCX and  ECA. Prepared written report as to the impact on Plaintiffs' experience modifications from actions of the Defendant.  Provided expert testimony at Deposition.

12) The Insurance Company of the State of Pennsylvania v Seabra Group, et al - Filed in Superior Court of New Jersey: Law Division Essex County. Retained by Defendant Seabra.  Prepared a written Expert's Report on the errors contained in certain workers compensation premium audits of the Plaintiff.  That report included an analysis and criticisms of classifications and experience modifications relied upon by the Plaintiff.

13) The Injured Workers' Insurance Fund v. Henry's Automobile Auctions, Inc. Filed in Circuit Court for Baltimore County, Maryland.  Retained by Defendant Henry's. Prepared a written Expert's Report as to the accuracy and impact on Defendant's workers compensation premium resulting from Plaintiff's use of certain payroll classifications.  Provided expert testimony at Deposition.

14) The United States of America v. Carlos Gomez and Mary Gildea.  Filed in United States District Court, District of Massachusetts. Criminal case of Premium Fraud.  Retained by Defendant. Prepared a written report to the Court of opinion on the actual loss to insurers resulting from the Defendant’s acts.

15) Premium Capital, LLC v. Garth Enterprises Ltd. Filed in Circuit Court for Anne Arundel County, Maryland.  Retained by defendant Garth.  Served as a consulting expert. Provided expert advice as to atypical premium charges assessed by workers compensation insurer for Independent Contractors.  Assisted in preparation and attended Deposition of Plaintiff's auditor.

16) Commissioner of the State Fund  v. Marson Construction Corporation, etal.  Filed in the Supreme Court of the State of New York, County of New York.  Served as a consulting expert. Retained by counsel for Defendant Marson Construction to analyze and uncover flaws in the workers compensation premiums assessed by the Plaintiff.  Provided opinions as to the accuracy of the insurer's charges and the premium auditor's authority to change policy classifications. Assisted in preparation and attended Deposition of Plaintiff's auditor.

17) Injured Workers' Insurance Fund v. United Wall Systems, Inc., etal.  Filed in The Circuit Court for Baltimore County, Maryland. Served as a consulting expert.  Retained by Defendant United Wall Systems to challenge the premium assessment of IWIF and to refute the premium charges determined on audit for uninsured Independent Contractors and Sub Contractors. Prepared a written report and provided expert testimony at Deposition.

18) Universal Construction Services, Inc. against Liberty Mutual Fire Insurance Co. Retained by Universal. Provided a written Expert's Report of opinions on the classifications, procedures, and flaws contained in a premium audit completed by Liberty.

19) Injured Workers Insurance Fund v. Capital Messengers, Inc. Filed in the Circuit Court For Montgomery County (MD). Retained as a consulting expert by defense counsel. Provided advice on matters related to Workers Compensation premium charges for independent contractors.  Provided counsel with background and strategy concerning conflicts between premium charges on the audit and coverage provided by the policy.

20) St. Paul Fire v. Diaz Construction Company, Inc.  In this matter, Defense counsel asked us to assist in a premium collection case. It turns out the insurer, who was trying to collect in excess of $300,000 in additional premium, had made several significant mistakes on the final audit. Those errors included the wrong classification for many employees, a missing construction credit, misapplied ex-mod, and ignoring a requirement that prevented the insurer from changing a classification on the audit.

At a settlement meeting we presented our case to the insurer and they reluctantly agreed with our position. The case was settled for a fraction of the original amount claimed.

21) Guard Insurance Group v. Kinney Towing and Transportation Inc. In this matter, Defense counsel requested that we conduct our own workers compensation payroll audit and prepare an Expert’s Report on discrepancies uncovered in the insurer’s audit.  Our report isolated numerous errors by the insurance carrier. The result was a settlement prior to trial at a fraction of the damages claimed.

22) Expert Report written for seele, Inc. We prepared a written opinion that analyzed payroll audits completed by auditors for the New York State Insurance Fund.  We then provided the client with our own audit, incorporating accurate payrolls for use in negotiating workers compensation premiums. It turns out that the insurer had included within their audit payrolls that exceeded the maximum allowed for New York contractors, at the time $750 weekly.  That error and others together amounted to a six-figure premium overcharge. The case is still pending but the client now has a solid basis to challenge the insurer.

23) Expert written report prepared for New Hampshire Stamping Co.  After an classification inspection, the NCCI determined that this client’s classification should be changed from a low-rated classification #3131 – Button or Fasteners Mfg, to # 3146 – Hardware Mfg, a significantly higher rate.  We found significant reasons to challenge the NCCI’s findings. This matter was ultimately heard at the New Hampshire Workers Compensation Appeals Board, which agreed with our position and reversed the NCCI’s classification.