EDUCATION
State University of New York – B.A., European History/Economics, 1978CW Post College – MBA Candidate, 28 credit hours completed (1980–1983)
Specialized Coursework:
- GAB Property & Business Interruption Schools
- Hartford Steam Boiler Engineering Courses
- Executive Development Program, London (Thomas Howell Group)
- Colorado School of Mines – Refining and Mining Courses
- Panelist, ABA, LEA, PLRB
PROFESSIONAL LICENSES
Licensed Insurance Adjuster in: AK, CT, DE, GA, KY, LA, NV, NH, NC, OK, OR, RI, SC, TX, UT, VT, WV, WYWilliam Kramer
Founder
V-Card
Seasoned insurance executive and claims expert with over 45 years of experience in the adjustment and management of large, complex property and casualty insurance losses worldwide. Career includes leadership of international operations, founding and building a specialized loss adjusting firm, and serving as CEO of Global Risk Solutions (USA).
PROFESSIONAL EXPERIENCE:
Chief Executive Officer – GRS CCS (USA)Global Risk Solutions | 2020 – 2023
Assumed financial responsibility for U.S. property operations following sale of William Kramer & Associates to GRS.
Oversaw offices in Hartford, Atlanta, New York, St. Louis, San Juan, Charlotte, Houston, and Florida.
Managed a staff of 12 Executive General Adjusters reporting directly to senior leadership in Miami and Sarasota.
President – William Kramer & Associates (WKA)
Independent Loss Adjusting Firm | 1997 – 2020 Founded and managed a boutique adjustment firm specializing in complex, major property and casualty claims.
Grew firm to five offices and ten adjusters serving Fortune 50 clients worldwide. Adjusted hundreds of high-value claims across industrial, petrochemical, energy, and financial sectors.
Managing Director – Thomas Howell Group (THG, Swiss Re subsidiary)
USA Operations | 1990 – 1996
Established North American branch office network for THG to complement global operations.
Promoted to Managing Director in 1993, overseeing property claims consulting across international markets.
Continued leadership after THG’s acquisition by Crawford & Company in 1996.
Hartford Steam Boiler Inspection & Insurance Company
Manager, Claims Operations & International Adjuster | 1988 – 1990
Assisted with development of Engineering Insurance Group (EIG) international operations.
Managed claim operations for Southeast and Mid-Atlantic regions (six offices, nine claim managers, two regional managers).
American International Underwriters (AIU Division of AIG)
General Adjuster | 1983 – 1988
Adjusted large international property and petrochemical losses across Europe, UK, South America, Far East, and Middle East.
Handled major assignments for Starr Technical Risks, including Texaco refinery and petrochemical losses in the Americas.
The Home Insurance Company (now Zurich)
Property Field Adjuster | 1978 – 1983
Began career handling fire, business interruption, theft, cargo, and inland marine claims across the New York metropolitan region.
REPRESENTATIVE LARGE LOSS EXPERIENCE
- 1984 Texaco Pipeline Rupture – Ecuador ($100M)
- 1985 Texaco Port Arthur Refinery Fire – TX ($300M)
- 1988 Tampa Children’s Hospital Fire – FL ($20M)
- 1992 Shell MDS Bintulu Fire & CAR Losses – Malaysia ($200M)
- 1994 Terra Nitrogen Explosion – Sioux City, IA ($450M)
- 1996 Pemex Gas Plant Explosion – Chiapas, Mexico ($300M)
- 1999 Oxbow Sanborn Creek Mine Fire – CO ($50M); 2014 ($250M)
- 2001 Lehman Brothers WTC Loss – NYC ($1.4B)
- 2003 Louisiana Pacific Fires – OSB Plants ($50M)
- 2005 Chevron Katrina – Gulf Coast ($675M)
- 2005 Air Products – Katrina New Orleans ($200M)
- 2005 Formosa Plastics Fire – Point Comfort, TX ($150M)
- 2008 Alon Refinery Explosion – Big Spring, TX ($400M)
- 2008 Chevron Hurricane IKE – Port Arthur, TX (117M)
- 2008 Oxbow Hurricane IKE – Port Arthur, TX (24M)
- 2008 Praxair Mexico – CBI (17M)
- 2009 BP Refinery Fire – Whiting, IN ($100M)
- 2010 Kleen Energy Explosion – CT ($375M)
- 2010 Tesoro Refinery Fire – Anacortes, WA ($200M)
- 2011 ATK Rocket Plant Explosion – WV ($50M)
- 2012 Superstorm Sandy – PSEG, NJ ($450M)
- 2017 Hurricane Maria – San Juan, PR ($165M); St. Croix Lime Tree Bay ($40M)
- 2017 Orbital ATK Explosion – Kansas City ($83M)
- 2021 Mosaic Tampa Tank Collapse – FL ($200M)
PROFESSIONAL AFFILIATIONS:
Loss Executives Association (LEA)Property Loss Research Bureau (PLRB)
American Bar Association (ABA) – Insurance Section Panelist
AREAS OF EXPERTISE:
Adjustment of large, complex property and casualty claims (industrial, petrochemical, manufacturing, financial, and infrastructure).International and Lloyd’s market claim handling practices.
Coverage analysis and policy interpretation.
Industry standards of care in claims adjustment.
Expert testimony in insurance disputes.