A seasoned insurance, fidelity and surety claims expert with diverse expertise and
national reputation. Possesses broad claims-legal knowledge. Sensitive to the interplay
between legal issues and business realities. Possesses knowledge of general accounting
and construction practices and procedures. Complete knowledge of insurance, surety and
reinsurance company policies and procedures for claim handling, reporting functions, and best
practices. Exceptional verbal and written skills. Commitment to scholarship
demonstrated by professional memberships, published legal writing, seminar attendance and
EXPERT WITNESS EXPERIENCE:
For Plaintiff Insurer:
Liberty Surplus Insurance Co. v. Seabold Construction. Portland, Oregon 2015.
Declaratory relief action. Retained by a law firm for insurer to render an opinion as to insurance
coverage and the overlapping coverages between CGL insurance policies and suretyperformance bonds.
For Defendant Surety:
2 Bank One Texas, N.A. v Bank One Texas, N.A. v. Highlands Insurance Company, Highlands
Underwriters Insurance Company, Brown-Carpenter Curtainwall Systems, Inc., Brown Carpenter &
Company, Dee Brown Masonry, Inc., and Carpenter Carruth & Hover, 113th District Trial Court,
Superior Court, Harris County, Texas (1997) (Trial Docket 91-23339).
Fact witness adopted as an expert to give hybrid fact/expert trial testimony. No deposition
testimony. Did not prepare a report. Was not formally “retained” as an expert. Was “qualified” as
an expert by the judge on an issue involving surety offsets on 23 bonded projects and obligations
to a dual obligee lender.
3 Xcel Masonry, Inc. v. K & B Quality Masonry, Inc., and Insurance Company of the West,
Birmingham, AL 2014.
Fact witness for ICW adopted as an expert. Hybrid fact/expert trial testimony. No deposition
testimony. Did not prepare a report. Was not formally “retained” as an expert. Was not “qualified”
as an expert by the judge. Issue was distinction between common law and statutory bond and the
resulting effect upon Alabama’s Prompt Payment Statute. Educated the judge from the witness stand
in response to his direct questions. Judge Robert Vance.
Policy Holder Side: Testimony for Plaintiff General Contractor:
1. Trial testimony for plaintiff general contractor. Global Construction, Inc. v. United States of
America, Civilian Board of Contract Appeals, Atlanta, GA March 27, 2009.
Asked to testify directly by plaintiff’s attorney. Hybrid fact/expert trial testimony. No
deposition testimony. Did not prepare a report. Was not formally “retained” as an expert. Was not
“qualified” as an expert by the judge. Issue was whether contractor was properly defaulted by the
2. Stellar J. Corp. v. Argonaut Insurance Company, et al.
Tacoma, WA 2014-2015.
Deposition testimony against surety in bad faith case. Formally retained by plaintiff general
contractor. Gave deposition testimony and prepared an expert report in contemplation of mediation.
Pending, Active Engagement Against Mortgage Insurance Companies and a Mortgage Lender:
1. For plaintiff homeowner. Lender-placed, or force-placed, insurance matter. Washington. Provided awritten report and gave a deposition.
➢ TEX LEX, a part of Claims Desk, LLC January 2010 - Present
Expert witness work on insurance, surety, fidelity and construction cases. Also, perform
desk-relief, investigations, mediation attendance and other claims functions for insurance and
surety companies with limited or transitional staffing. Handle contract surety claims such as
performance bond, payment bond; subdivision; miscellaneous and commercial surety claims; plus
fidelity and financial institution bond claims. Perform due diligence reviews and other
audits, including Workers’ Comp. claims. Pursue cooperative involvement of CGL carriers
on joint defense, recovery and indemnity. Also, attorney representation of insurance
companies; surety companies; contractors; policy holders;banks and others with respect to federal
Indian law and tribal law issues throughout Indian Country (www.Claims-Desk.com, www.PrivateAdvocates.com and www.Sovereign-Roots.org).
➢ The Hanover Insurance Group, Inc., Worcester, MA 2005 to 2009
Senior Bond Claims Representative
Provided expertise to staff regarding collateral, indemnity, agency, legal and other
issues. Investigated, researched, analyzed and negotiated contract and commercial claims,
plus fidelity claims. Researched, developed, and drafted selected portions of bonds and
contracts to assist the underwriting function. Provided expertise in documenting undertakings with
Indian tribes and tribal-owned corporations. Trained and mentored junior claims
professionals and underwriting interns. Coordinated cooperative efforts with CGL carriers on joint
defense, indemnity and recovery.
➢ The Guarantee Company of North America, USA, Southfield, MI 2003-2005
Bond Claims Manager
Managed the handling of contract and commercial claims and the engaging of attorneys, accountants,
engineers and construction consultants. Heavy emphasis on performance and payment bond claims.
Coordinated cooperative efforts with CGL carriers on joint defense, indemnity and recovery.
➢ Claims Management Associates, Inc., Houston, TX 1996 - 2003
Formed company that conducted desk-relief, investigations, mediation attendance and other claims
functions for fidelity insurers and contract and commercial sureties with limited or transitional
staffing. Retained, trained, managed and mentored a large staff, including attorneys; paralegals;
adjusters; consultants; administrators and construction experts. Clients included Highlands;
Universal Surety of America; Western Surety Company; CNA; Frontier Insurance; Capitol Indemnity;
Ranger Insurance; Chatham/Mapfre; Aacon, Inc.; Mid-State Surety Corp.; and others.
Predominantly subdivision, performance, payment and supply bond claims.
➢ Highlands Insurance Company, Houston, TX 1988 - 1996
1991-1996 Assistant Vice President of Claims
1989-1990 Assistant Secretary & Bond Claims Superintendent. 1988-1989 Bond Claims Superintendent
Directly handled world-wide program of contract (performance, payment and supply bond) and
commercial surety claims. Supervised handling of fidelity claims by property adjusters countrywide.
Supervised handling of probate bond claims. Cross-trained to handle and supervise property claims
nationwide while running off surety claims. Conducted legal research for, and consulted with,
claims staff from auto; liability; inland marine; workers’ comp.; and aviation. Assisted with the
panel attorney list and litigation plan. Managed a full-scale law library of treatises and case
reporters. Formed and headed Special Investigations Unit/Fraud Division. Coordinated cooperative
efforts with CGL carriers on joint
defense, indemnity and recovery
Supervised and audited SIU function of Workers’ Comp. field adjusters in branches
located nationwide plus the UK. Directed the preparation of trial evidence notebooks for use by
District Attorneys. Provided guidance to all levels and lines of the company in combating fraud
and in subrogation efforts. Obtained restitutionary recoveries and instrumental in significant
avoidance of proven fraudulent claims.
➢ Great American Insurance Company 1984 - 1988
1987-1988 Bond Claims Manager for the Mid-West, Cincinnati, OH.
1986-1987 Bond Claims Manager for the West, Orange, CA.
1984-1986 Construction Defect Specialist and Bond Claims Trainee, Branch Office, Orange, CA.
❖ University of Connecticut, School of Law
Master of Laws (LL.M, Insurance Law), 2009.
❖ Western State College of Law
Juris Doctorate (J.D.), 1984
(1) Law Review Editor; (2) Student Bar Association Treasurer; (3) Honors Moot Court Awards; (4)
Trial Practice Course; (5) Delta Theta Phi Professional International Law Fraternity, Vice-Dean;
(6) American Jurisprudence Award in Criminal Procedure; (7) Summer Term Abroad, Magdalen College of
Oxford University, Oxford, England 1983; (8) Who’s Who Among Students in American Universities and
Colleges; and (9) Outstanding Young Men of America.
❖ Union College and University
Bachelor of Arts, Cum Laude, Political Science, 1980.
Departmental Honors in Political Science; Legislative Observers Internship (Legislative Aid,
Senator Halpern, Insurance Committee, New York State Legislature). Political Party Structure of
Schenectady County, New York, senior thesis, archived at Schaffer Library, Union College.
APPENDIX A – CV GREGORY S. ARNOLD
HONORS & AWARDS NOT REFERENCED ABOVE:
Eagle Scout, Boy Scouts of America (1971); AmJur High Grade Award, Criminal Procedure; CALI High
Grade Award, Fidelity and Suretyship Law
Guest Lecturer - Construction Law, Roger Williams University. Guest Lecturer – Right to Counsel,
Lewis & Clark School of Law Paralegal Instructor, Santa Ana College, CA.
Fidelity and Suretyship Law American Indian Law Indian Law Certificate
University of Connecticut School of Law (as part of LL.M). University of Connecticut School of Law
(as part of LL.M) Seattle University College of Law - 2015.
TREATISES, PUBLISHED ARTICLES, PAPERS, PRESENTATIONS & PANELS:
Roger P. Sauer, Kevin J. Russell & Gregory S. Arnold, Performance Bonds, in 2 CONSTRUCTION LAW
HANDBOOK 1303, (Richard K. Allen, Stanley A. Martin & Leah A. Rochwarg eds., 3rd ed. 2017).
▪ Published Law Journal Articles:
Gregory S. Arnold, The Doubtful Impact of an Optional Federal Charter on the Reinsurance Collateral
Debate, 43 TORT TRIAL & INS. PRAC. L.J., 79 (2008), American Bar Association.
Recent Developments in the Financial Products and Services Industry, 43 THE INTERNATIONAL LAWYER
(2009), American Bar Association.
▪ Monograph Contribution:
CGL/BUILDER’S RISK MONOGRAPH, 2004, American Bar Association, Horowitz, Lerner, O’Connor & Olson
• Published Magazine Articles:
Gregory S. Arnold, Employment Law in Indian Country: Finding the Private-Action Jurisdictional Hook
is Not Easy, THE FEDERAL LAWYER, April 2015 Indian Law Issue.
Gregory S. Arnold, Judicial Profile: Chief Judge William D. Johnson, Umatilla Tribal Court,
Confederated Tribes of the Umatilla Indian Reservation, Pendleton, Oregon, THE FEDERAL LAWYER,
April 2015 Indian Law Issue.
Gregory S. Arnold, Tribal Law and Order Act and Violence Against Women Act: Enhanced Recognition of
Inherent Tribal Sovereignty Creates Greater Need for Criminal Defense Counsel in Indian Country,
THE FEDERAL LAWYER, Jan./Feb. 2014.
▪ Presented, Unpublished Papers:
Gregory S. Arnold, Surety's Good Faith Investigation, Construction Management Associates Group,
Inc., National Claims Conference, Chicago, IL, April 25, 1989.
Gregory S. Arnold, Treatment of Pay-When-Paid Clauses Under Federal Law on Bonded Projects in
Virginia, The Surety Association of South Texas, San Antonio, Texas, May 17, 2000.
▪ Sole Presentations at Conferences:
The Art of Effective Communication Among Company People, Outside Consultants and Outside Attorneys,
Surety Claims Association of Los Angeles, CA, Oct. 27, 2011. PowerPoint, no paper.
▪ Panel Presentations at Conferences:
The Bare Essentials: The ABC’s of Payment Bond Claims Handling, Western States Surety Conference,
Seattle, WA, April 20, 2012. Paper by Loren Podwill, Esq. Panelists Gregory S. Arnold, Jennifer
Haimes, Paul Harmon & Jordan Rosenfeld. Moderated by L. Podwill.
The Art of Effective Communication Between Company People and Consultants, National Bond Claims
Association, Annual Conference, Pinehurst, NC, Oct. 13, 2011.
The Good, Bad and Ugly: Lawyers, Consultants and Company People Traveling Down the Same Road,
National Bond Claims Association, Annual Conference, Pinehurst, NC, Sept. 1994.
Issues and Practical Considerations for the Surety in Using Subcontractor Ratification Agreements,
Seventeenth Annual Northeast Surety and Fidelity Claims Conference, Atlantic City, NJ, Sept. 21 and
22, 2006. Paper by Gregory S. Arnold & Christopher Morkan. Moderated by Matthew Horowitz.
▪ Organized and Moderated Seminars:
Fidelity Law and Claims Handling Seminar, University of Connecticut School of Law, Insurance Law
Center, Hartford, CT., February 28, 2007.
MEMBERSHIPS & INVOLVEMENT:
American Bar Association
Tort Trial & Insurance Practice Section; Fidelity & Surety Law Committee; Forum onthe Construction
Industry; Business Law Section;Tax Law Section
Federal Bar Association (2014-2016)
Member, Editorial Board of The Federal Lawyer Magazine, 2012-2015. Co-Chair April 2015 Indian Law
Northwest Indian Bar Association (2014-2016)
Licensed to practice law by several tribal courts throughout Indian Country P & C Adjuster’s
License – State of Texas (1988-Present)
Real Estate Broker’s License – Commonwealth of Massachusetts(2010-2017)
United States Marine Corps, Legal Services Battalion
Good Conduct Honorable Discharge
Cold War Service Medal