Florida State University, Tallahassee, FL, M.A., May 2009 Major Area of Concentration - Risk Management and Insurance

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1 Education J. Bradley Karl, Ph.D. Assistant Professor of Finance and Risk Management/Insurance College of Business East Carolina University 3129 Bate Building Greenville, NC Phone: (252) Facsimile: (252) Florida State University, Tallahassee, FL, Ph.D., May 2013 Major Area of Concentration- Risk Management and Insurance Minor Area of Concentration- Finance Florida State University, Tallahassee, FL, M.A., May 2009 Major Area of Concentration - Risk Management and Insurance Florida State University, Tallahassee, FL, B.S., May 2008 Major: Risk Management and Insurance Major: Finance Work Experience Assistant Professor College of Business, East Carolina University August 2013 present Instructor May 2010 December 2012 Instructor January 2011 May 2011 Graduate Assistant August 2009 May 2013 Online Master s Program Course Mentor Alternative Risk Financing (Spring 2012; 2013) International Risk Management (Summer 2012)

2 Graduate Assistant Florida Catastrophic Storm Risk Management Center January 2008 December, 2010 Industry Experience Arthur J. Gallagher Risk Management Services June 2007 August 2007 Florida Association of Insurance Agents September 2006 April 2007 The Walt Disney Company- Risk Management June 2006 August 2006 Courses Taught Publications East Carolina University, August 2013 to present FINA 3724 Financial Management FINA 3154 Principles of Risk Management and Insurance Florida State University, May 2010 to December 2012 FIN 3403 Financial Management of the Firm RMI 3011 Principles of Risk Management and Insurance Mean Overall Assessment of Instructor score: 1.4 (1 excellent through 5 poor ) Recipient of the 2012 College of Business Teaching Assistant Award Refereed Publications Medders, Lorilee A., Charles M. Nyce, and J. Bradley Karl, Market Implications of Public Policy Interventions: The Case of Florida s Property Insurance Market, Risk Management and Insurance Review, Forthcoming Born, Patricia, J. Bradley Karl, and Kathleen A. McCullough, The Impact of Health Care Delivery Changes on Professional Liability, PLUS Journal, 2009, Issue XXII, Vol. 8. Non-Refereed Publications Karl, J. Bradley and Patricia H. Born Expanding Health Insurance Coverage What Will it Mean for MPL? Inside Medical Liability, Third Quarter 2013 Works in Progress Articles Currently Under Review The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance revise and resubmit at Journal of Risk and Insurance (with Patricia H. Born and W. Kip Viscusi)

3 Information Asymmetries among Insured, Primary Insureds, and Reinsurers: Consequences for the Reinsurance Market currently under first review at Journal of Risk and Insurance (with Kathleen A. McCullough) A Discussion of Private Health Insurance Markets in Ten OECD Countries currently under first review at Journal of Insurance Regulation (solo authored) Working Papers The Influence of Medical Malpractice Reform on Health Insurance Markets: Evidence from Natural Experiments (with Patricia H. Born and W. Kip Viscusi) The Effect of Mass Murder Events on the Demand for Life Insurance (with J. Tyler Leverty and Lloyd Wade) The Determinants of Firm Entry into Medical Malpractice Insurance Markets (with Charles M. Nyce) The Decision to Capitate: Factors Affecting the Growth and Demise of Capitation by Health Insurers (with Patricia H. Born) Competition, Concentration, and Performance An Empirical Study of the Health Insurance Industry (with Cassandra R. Cole and Enya He) An Empirical Analysis of the Impact of Diversification Strategies on Health Insurer Profits (with Cassandra R. Cole and Enya He) The Influence of Medical Professionals as Directors of Health Insurers (with Cassandra R. Cole) Grants and Fellowships The National Alliance Research Academy Grant, An analysis of Private Health Insurers Ability to Succeed in Public Health Insuring Programs, 2011 PLUS Foundation, An Examination of Professional Liability Related to Health Care Delivery (with Kathleen A. McCullough), Presentations at Professional Meetings * The Decision to Capitate: Factors Affecting the Growth and Demise of Capitation by Health Insurers American Risk and Insurance Association, Washington, DC August 2013* An Empirical Analysis of the Impact of Diversification Strategies on Health Insurer Profits American Risk and Insurance Association, Washington, DC August 2013* The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance Risk Theory Society, Philadelphia, PA, April 2013.* * Denotes meeting in which proposals were reviewed for acceptance to the meeting program.

4 The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance American Social Science Association, San Diego, CA January 2013.* The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance Southern Economic Association, New Orleans, LA, November 2012.* Competition, Concentration, and Performance An Empirical Analysis of the Health Insurance Industry American Risk and Insurance Association, Minneapolis, MN, August 2012.* The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance American Risk and Insurance Association, Minneapolis, MN, August 2012.* Risk Shifting in Reinsurance Markets American Risk and Insurance Association, Minneapolis, MN, August 2012.* Risk Shifting in Reinsurance Markets Southern Risk and Insurance Association, New Orleans, LA, November 2011.* Southern Risk and Insurance Association, New Orleans, LA, November 2011.* American Risk and Insurance Association, San Diego, CA, August 2011.* The Influence of Managed Care Firms Strategic Choice on Financial Performance, Southern Risk and Insurance Association, Charleston, SC, November 2010.* Southern Risk and Insurance Association, Charleston, SC, November 2010.* An Analysis of the Capacity of the Insurance Industry, Southern Risk and Insurance Association, Orlando, FL, November 2009.* Wind Risk Management and Its Impact on Insurance, Florida Catastrophic Storm Risk Management Center Symposium, Tallahassee, FL, October Honors and Awards Florida State University College of Business Teaching Assistant Award (2012) Recipient of the Southern Risk and Insurance Association s Most Outstanding Student Paper Award (November 2011) RIMS Spencer Scholarship (Fall 2011 Spring 2012; Fall 2008 Spring 2009; Fall 2007 Spring 2008) Featured FSU Student (December 2007): RIMS Anita Benedetti Student Involvement Program (May 2007) Service Risk Management and Insurance Review Referee Journal of Insurance Issues Referee

5 Professional Membership Risk Theory Society American Risk and Insurance Association Southern Risk and Insurance Association Phi Eta Sigma Honors Society Last Updated: September 2013

Florida State University, Tallahassee, FL, M.A., May 2009 Major Area of Concentration - Risk Management and Insurance

Florida State University, Tallahassee, FL, M.A., May 2009 Major Area of Concentration - Risk Management and Insurance Education J. Bradley Karl, Ph.D. Assistant Professor of Finance and Risk Management/Insurance Department of Finance College of Business East Carolina University 3129 Bate Building Greenville, NC 27858

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