Elise M. Farnham, AIM, ARM, CPCU, CPIWElise M. Farnham, CPCU, is President of Illumine Consulting, a firm dedicated to providing services to insurance and risk management professionals through continuing education and claims management consulting as well as expert testimony. She has over 40 years of experience in risk management and insurance having held executive positions with Crawford & Co., GAB Robins N.A., The Harmonie Group, and Carson-Brooks. Ms. Farnham is a member of the CPCU Society, RIMS, and NAIW. She is a member of the Board of Ethical Inquiry for the American Institutes for CPCU and serves on advisory panels for the CPCU, AIC, and ARM programs. In 1993, she was named National Claim Professional of the Year by the National Association of Insurance Women (International) and was national president for that organization in 1998/99. She was recognized as Insurance Woman of the Year by the Insurance Professionals of Atlanta in 2003 and 2004. Ms. Farnham is a frequent speaker and her articles have appears in Business Insurance, Claims Magazine, CPCU Claim Quarterly, Today’s Insurance Professional, and Insurance International (a U.K. publication.) www.elisefarnham.com