Mr. Arnold joined Cummins & White, LLP in 1974 and became a partner in 1978. Mr. Arnold practices in the areas of insurance, real estate, and business law, with emphasis on insurance coverage, civil litigation, real estate and business transactions. Mr. Arnold represents insurance companies and their insureds in first and third party coverage disputes, including concurrent cause, force placed, environmental, fraud, errors and omissions, and duty to defend issues. He handles all aspects of litigation arising out of insurance and bad faith issues and in such areas as professional liability, property damage and subrogation. In addition, he has substantial experience in many types of real estate and business transactions and litigation, including formation, purchases and sales, financing, and leasing. From 1985 to 1987 and from 1999 to 2001, Mr. Arnold served as Cummins & White's managing partner.