Financial Examination Services

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The Financial Examination Division has been providing examination services since the company’s inception in 2002. We have experience and expertise in all major lines of insurance and types of insurers. In addition to having experience with the traditional lines of insurance, we have experience in title, professional employer organizations, captives, viaticals, medical malpractice, and conducting HIPAA, prompt pay and operational reviews. 

Our financial examiners conduct examinations using the Risk-Focused Surveillance Approach as specified in the National Association of Commissioners Financial Condition Examiners Handbook. ER has been conducting examinations that meet NAIC Accreditation Standards, using the Risk Focused approach since 2010. Our examination experience includes comprehensive full scope, coordinated, limited and multi-state risk-focused examinations representing both lead and participating states. 

All our financial examiners hold the Certified Financial Examiner designation. Furthermore, many of our financial examiners are former regulators which affords us the ability to better serve our insurance department clients by allowing us to anticipate their needs. To assist insurance departments in developing their staff, we offer training services to new examiners and even to those who have been around awhile to keep all abreast of the latest and greatest best practices.

Division Leadership

Rachelle Gowins, CFE, MCMManaging Director

Rachelle has been in the field of insurance regulation for 20+ years and started her career…

Jean Adams-Harris, CFE, CPA, CISA, MCMSenior Manager

Jean’s career has been focused on the field of insurance regulation for the past 20+ years.…

Natalie Howe, CFE, CFE (Fraud), ACIManager

Natalie has 17+ years in the insurance industry, including over 11 years of experience working in…