Expert Witness

Insurance and Risk Management Expert Witness

Jane has a highly successful practice in providing expert opinions in litigated insurance related disputes concerning:

  • Risk Management Standard (Inspections and Broker Services)
  • Risk Control Standard (Safety and Loss Prevention)
  • Insurance Coverage (Bad Faith)
  • Insurance Broker Professional Liability (Duty of Care)
  • Insurance Arbitration (Coverage and Premium Disputes)

In Calendar year 2022 Jane provided expert opinions on over $100 million in insurance disputes. Jane is a member of the Association of Insurance Management Consultants (AAIMCO) and the US Insurance Alternative Dispute Resolution Society (ARIAS);  both of these organizations require certain professional criteria and board approval for membership. The links to these two organizations are here: American Association of Insurance Management Consultants and ARIAS US Insurance Arbitration Certification. Jane has given testimony in one trial and six depositions. Most of the cases she has supported have settled successfully. Jane’s success rate is over 95% - view her CV below.


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Clarity Concepts


Jane Downey

ARM, M. Ed 


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About Jane


Jane Downey is an internationally known Risk Management consultant and Insurance industry expert. Jane founded Clarity Concepts™ 26 years ago and has provided a variety of diverse, multinational organizations, with her independent Insurance and Risk Management expertise.  Jane has a background in both Insurance brokerage and Risk Management. Her specialty industries include manufacturing, financial institutions, and technology risks.  She has made many Risk Management reports to the C-Suite.  Her work is also focused on claims management and reducing Workers Compensation claims.

Clarity Concepts™, also maintains a significant practice in enterprise risk consulting and expert witness engagements.  Her expert witness work focuses on broker liability, claims management, risk management and risk control standards, and insurance coverage disputes.

Risk Management Educator and Academic Experience

Jane has served as adjunct faculty at Temple University in Risk Management and Leadership and at Penn State University in Crisis Management.  She currently teaches the CE classes: Advanced CGL, Preventing Broker E&O claims, E&S Market and Intro to Casualty and Intro to Property Insurance for ISEP


Jane is a Summa Cum Laude B.A. graduate of Temple University’s Fox School of Business with a dual degree in Risk Management and Accounting. She ranked first in her graduating Risk Management class and was one of 12 graduating seniors chosen nationally for the National RIMS conference scholarship. Jane also obtained her master’s in education with Honors from Temple in the Psychology of Groups.

Insurance Arbitration Certification  

Jane recently certified with ARIAS as an arbitrator and will soon pursue certification as a mediator. Her specialtord include retrospective premium disputes and primary layer coverage issues.


Jane holds the Property and Casualty Insurance Brokerage licenses in the States of PA, NJ, and Fl. She also holds the Life and Health Insurance Brokerage licenses in PA and NJ.

  • National Association of Women Business Owners-Programming committee and Mentor
  • Forum of Executive Women-Former Board Chair, Mentoring
  • Temple University, Fox school of Business, Mentor Risk Management
  • Gulph Mills Civic Association


View Jane's CV


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