Heather A. Sanderson the principal with Sanderson Law in Calgary, Alberta, Canada and has 38 years of experience providing legal advice and direction on all manner of commercial and personal lines claims. In addition to being a skilled advocate, she has extensive experience with policy drafting, providing coverage opinions on property and liability policies of every description, defending property and casualty claims of all descriptions, defending actions within the self-insured retention and bad faith actions. Fellow of the American College of Coverage Consel, member of the Federation of Defense and Corporate Counsel and is a director of the Canadian Defence Lawyers and DRI (Defense Research Institute). Heather has appeared before the Supreme Court of Canada and all levels of Courts in ALberta, and was co-counsel on the longest civil trails in the history of the Northwest Territories. Heather has testified as an expert witness on insurance and civil litigation issues before the Albert Court of Queen's Bench, the Ontario Superioor Court of Justice and the Quebec Superior Court. The two major works Heather has authored are standard industry refernce materials and are on the required readng lists of several Canadian Universities and community colleges. Both works have been cited in numerous insurance publlications and by courts across Canada.