Michael J. Marsh
RPA, CPIA, CIA, CIU
Mr. Marsh is the President of Midland Claims Service, Inc., Underwriting Solutions, Inc. and Recreational Action Sports Entertainment ("RASE LLC"), Montana-based companies. He has a diverse insurance and technology skill set. He is a Montana licensed Adjuster, WC Examiner and Agent/Producer as well as a Certified Insurance Umpire and well-known litigation claims process expert. He holds the Registered Professional Adjuster (RPA), Certified Professional Insurance Agent (CPIA), Certified Insurance Appraiser (CIA) and Certified Insurance Umpire (CIU) designations. Michael is also a semi- retired professional motorcycle flat track racer.
Midland Claims Service, Inc., and its wholly owned subsidiary Wrenwell Claims (formerly named Industrial Injury Claims®), is the leading provider of third party workers’ compensation claims administration service to organizations doing business in the state of Montana. The company’s clients have employed over 15,000 employees in Montana in the healthcare, long term care, mineral extraction, oil, underground mining, long haul trucking, construction and food service industries. Utilizing secure and efficient cloud computer data processing systems, team-based business management and best practices garnered over four decades in the claims industry, Mr. Marsh has reenergized the company since his return to Billings from California in 1999 and led the company through a period of significant growth. From deployment of internally developed, actuarially sound financial reporting to extensive medical and litigation management, the company’s clients have enjoyed significant reductions in total expenditures and average cost per case during a time of challenge in the Montana workers’ compensation system. Since 2001, MCSi has been responsible more than 34,500 WC claims, approximately 25% of all self-insured (Plan 1) claims filed in the state of Montana.
In addition, Mr. Marsh serves as an expert witness in claim-related UTPA / bad faith litigation actions throughout the United States. Successfully closed cases in Pennsylvania, Montana and California.
One of the highlights of Michael’s claims career came in 2016. At the Big Sky Governor’s Conference on Workers' Compensation, he was awarded the Montana Governor’s Achievement Award for Outstanding Workers’ Compensation Professional, the first such award given in the 100+ year history of Montana workers’ compensation. 2017 and 2018 brought additional honors as Mr. Marsh and Midland Claims were awarded the Small Family Business of the Year by Montana State University – Bozeman and Billings-area Employer of the Year by the Billings Chamber of Commerce. In 2019, Michael was presented the Governor's trophy as recognition for his role in the creation of Kids’ Chance of MT.
In 2021, Michael was appointed by Montana Governor Greg Gianforte to a single term on the Board of Montana State Fund. Concurrently, Mr. Marsh was appointed to the Board of the Billings-based Big Sky Economic Development Corporation. He has completed his terms on both of these public facing (and somewhat political) boards.
Mr. Marsh was a founding member (2004) of Claims Professional Liability Insurance Company ("CPLIC"), a national risk retention group providing professional and general liability insurance to over 500 independent claim service companies in all 50 states. Michael was the author of the company’s policy contracts and forms, assisted with creation of the rating and underwriting plans, and continues to serve on the Policy Contract, Risk Management and Customer Experience committees of CPLIC. Involvement in the formation of CPLIC followed meetings at the National Association of Independent Insurance Adjusters (“NAIIA”), the organization for which Michael served as the Western Region Vice President and on the Executive Board (www.naiia.com) in the years 2016 – 2018. Mr. Marsh was elected President of NAIIA for the term 2026 - 2027 with the brand:
National Experience - Local Expertise
Michael was the lead implementation insurance consultant for the startup of Esurance Inc. (www.esurance.com) in 1999 - 2001, a pioneering company was the first to offer comparative quoting for automobile insurance exclusively over the Internet. During the early 2000’s he was also a lead consultant with two additional insurance/claim-related dot coms. All three startups that Michael was involved with survived and continue in business nearly 20 years later. On behalf of esurance, Mr. Marsh visited the trademark, patent and copyright counsel located in the World Trade Center shortly before the horrendous incidents of 9/11/2001. Our thoughts and prayers for everyone touched by this tragedy.
Mr. Marsh continues his involvement in the high tech industry as a member of Frontier Angels, a certified angel investment organization. For full disclosure, Michael is a source angel investor in cardsetter.com which hosts this web site.
He served as VP of Insurance Management Group West, CA from 1996 through 1998. Michael was the exclusive claims consultant for the California Earthquake Authority (www.earthquakeauthority.com), creating the CEA’s claims processing procedures during its formation. He served as a private consultant to Sullivan & Sullivan General Agency, Sovereign General Agency, Automobile Club of Southern California and Western General Insurance Company. He has also worked as a software (beta) testing consultant for America On Line, Microsoft and Intuit on the Quicken and Quick Books products.
Mr. Marsh served in 1994 through 1996 as the Executive Vice President of Underwriting, Claims and Operations of Western Pioneer (Commerce West) Insurance Company, Pleasanton, CA. WPIC was a leading writer of preferred private passenger automobile insurance in California with deep roots in the Japanese - American community. There he was responsible for the acquisition and implementation of automation systems, underwriting programs and procedures, customer and agency service and claims and support services. From 1992 through 1994, Mr. Marsh was the Vice President of Claims and Operations for Western Pioneer. During this time he was also the National President of the Policy Management Systems Corporation “POINT” User Group and was an industry leader in implementing a remote insurance underwriting/claims system in 1993. Ahead of the curve, Michael was one of the first in the United States to bring an insurance company to a fully off-site hosted data processing environment (his version of the cloud in 1992).
From 1986 through 1992, Mr. Marsh was with National American Insurance Company of California, serving as its national Vice President of Claims. There he was responsible for home office and branch claims operations for the United States for the $75 Million book of Workers’ Compensation, Commercial and Personal Lines business in the 11 western states. Claims included runoff business from Stuyvesant and Mission American Insurance Companies, where he handled or directed far in excess of $1 Billion of liability and property claim exposures in all 50 states ranging from landslide and construction defects claims to ground water property (SuperFund) and bodily injury pollution claims. He was instrumental in the design, programming, testing and live roll-out of the NAICC “PAL” IBM main frame insurance processing computer system. Michael was placed on the PAL team as the lead user by President William "Bill" Story. Mr. Story and members of the board were on flight 800 on July 17, 1996 that went down just off the coast of Long Island...he and all board members of the company were lost along with all 230 passengers and crew on flight 800.
Michael is a graduate of Billings West High School (1976), a member of the National Honor Society and several music performing groups. He received five years of secondary education, with concurrent majors in Architecture and Business Management, at Montana State University – Bozeman.
Mr. Marsh, a strong proponent of continuing education, has attended over one hundred educational seminars and classes; topics ranging from business management, insurance underwriting, claims, litigation management, personnel supervision and computer web site and SQL query/report programming. Michael has also taught 300+ hours of CE classes in MT. He was the organizing proponent of the law passed in Montana to create certification of Workers’ Compensation Examiners and Continuing Education, and continues to provide CE training on a regular basis.
Mr. Marsh was a featured speaker at the National Council of Self-Insured national meeting in San Diego in 2017 and St. Pete Beach, Florida in 2024. The topic, one of his career-long goals, was Humanizing the Workers’ Compensation System and demonstrating through data how engaged recovering workers recover faster, more completely than other workers. This concept has shown overall savings for clients of 70% over state averages.
-------------------------------------------------------------------------------------------------------
Michael donates a great deal of time and resources to non-profit organizations. His board or significant donor relationships:
RASE Safety Assistance, Inc (Chairman and founder - provide grant funding for safety equipment for motorsports athletes) www.rasesafetyassistance.org
Kids' Chance of Montana (founding board member - educational financial aid to children of severely injured workers or those that have lost their life at work) www.kidschanceofmontana.org
Montana State University Quarterback Club (football) and Sideout Club (volleyball) by providing financial aid for MSU student athletes
Montana State University Billings - Volleyball
Big Sky Economic Development (former board member) https://bigskyeconomicdevelopment.org/
Affiliated Adjusters (board member - western states adjusters association)
National Association of Independent Insurance Adjusters (President 2026-2027 and past Regional Vice President) www.naiia.com
Claims Professionals Liability Insurance Company RRG (founder) https://www.cplic.net/
Back On Track fka AMA Rookie Class of '79 and Friends - (Board member 2021 - 2022 providing non-profit financial aid to injured motorcycle flat track racers) https://back-on-track.com/
Associated Employers of Montana (former board member) https://www.associatedemployers.org/