Scope of Experience

For the last twenty-four years the areas of responsibility have been auditing and reviewing Workers' Compensation claims. These include those of Insured, Self-Insured's, and Third Party Administration regarding the claims administration procedures and reserving practices.

Over 40 years experience with Insurance Companies, Independent Claims Administrators and an Auditing and Consulting firm. I am certified with the Department of Insurance to teach Workers Compensation Claims. In 1982, I received a Self-Insurance Certification. I am a committed professional.

My experience from working at the County of Los Angeles and consulting with the City of Palo Alto and other Cities and Counties provides a unique understanding of public entity issues. I have conducted hundreds of claims audits and reviews for private employers, insurance carriers and Third Party Administrators.

Seminar and Lecture Experience

  • Senior Instructor - Insurance Education Association
  • CARP
  • South Bay Insurance Association, Past President
  • Santa Cruz Job Developers and Counselors
  • Santa Cruz Chamber of Commerce
  • Hospital Nurses Association
  • Diablo Valley Claims Association
  • Northern California Human Resources Association

Experience and Success to Help you With

  • Analysis And Audit Of Self-Insured Claims Departments
  • Quarterly & Unit Statistical Claims Reviews
  • Carrier or Broker Selection
  • Training For Brokers To Evaluate Insurance Company’s Claims Dept.
  • Influence The Proper Direction Towards Closure Of Files
  • Employer Advocate With The Insurance Carrier Or Third Party Administrator
  • Assisted Clients In Development Of Cost-Effective Methods Of Controlling Their Workers’ Compensation Programs
1992 to Present Morosini Consulting Sole Proprietor, Auditor, Claims Consultant Bend, OR
1987 to 1992 Claims Technical Services, Vice President Oakland
1986 to 1987 Argonaut Insurance Company, Claims Supervisor San Jose
1986 Royal Insurance Company, Hearing Representative San Jose
1979 to 1982 Fireman's Fund Insurance Co., Hearing Representative, Rehabilitation Coordinator San Jose
1977 to 1978 Employee Benefits Insurance Company, Claims Supervisor Santa Monica
1975 to 1976 Stoffel & Associates Microcopy Service, Manager Placentia
1974 to 1975 Eldorado Insurance Co., Claims Manager Anaheim
1970 to 1974 County of Los Angeles, Personnel Dept., Claims Representative Los Angeles
1969 to 1970 State Compensation Insurance Fund, Claims Specialist Long Beach
"Cheryl provides the best workers’ compensation claims review and advocacy services available to California employers. Her experience working in insurance and TPA claims departments gives her the prospective employers need to identify deficiencies in claims handling and offer solutions. She “speaks insurance” and when she speaks, carriers listen. When strong advocacy is needed to remind a carrier that their obligation is to the insured, no one is more focused and determined. Cheryl has qualified as an expert witness for employers in civil court actions against carriers, and I always recommend that our clients hire Cheryl when questions arise about the handling of their workers’ compensation claims." ~ Fred Walter, Esq.
Morosini review by SGIJ Cheryl has provided effective and strategic claims management for numerous of my firm’s clients. When an employer needs to address a difficult workers’ compensation claim, it can count on Cheryl’s insights and strategies. Cheryl also provides practical and understandable information to employers to grapple with the complexities of the workers’ compensation system and to assist in taking actions to help reduce future premiums. Cheryl is always mindful of the various other employment issues and dynamics when working on behalf of employers.
~ Ron Garrity