Bernard Bell is a partner with Miller Friel PLLC, a boutique law firm specializing in insurance recovery for corporate policyholders. He is the author and co-author, respectively, of the chapters on Time Element (Business Interruption) Insurance and Understanding Commercial Property Insurance in the leading insurance law treatise New Appleman on Insurance Law Library Edition. He is a Fellow of the American College of Coverage Counsel, and a frequent writer and speaker on insurance law.