Elise Farnham 400x400

Elise Farnham

Consultant, Illumine Consulting

Contact Info

Illumine Consulting
633 Bo Bo Banks Rd.
Grantville, GA 30220
Phone: (770) 367–3148


Elise Farnham writes the personal lines claims column for

As president of Illumine Consulting, Ms. Farnham provides continuing education programs, professional and personal development programs, and business ethics programs. She has served as an expert witness involving coverage and errors and omissions issues. Ms. Farnham began her career in the insurance industry in 1973 with Crawford and Company. She became a multiline adjuster and in 1978 was promoted as the first female claims branch manager for the company. She has worked in Texas, New York, and Georgia in senior management positions and has also held senior-level positions with The Harmonie Group, CSB Group, and GAB Robins, NA.

Ms. Farnham is a member of the Chartered Property Casualty Underwriter (CPCU) Society. She has served the society as Southeast regional governor, executive committee member, president of the Atlanta Chapter of CPCU, and served on numerous task forces, including the Ethics Certification Task Force, the CPCU Claims IG Committee, chair of the Media Advertising Task Force and is a member of the Coverage, Litigators, Educators, & Witness interest group committee. She is a member of the education and professional development faculty for the society with courses on ethics as well as technical insurance and risk management topics. Ms. Farnham is a past member of the Board of Ethical Inquiry for the American Institute for CPCU and has served as a member of the Associate in Risk Management, Associate in Claims, and CPCU Advisory Boards. She was recognized as the Instructor of the Year by the Atlanta Chapter.

Ms. Farnham is the past president of the International Association of Insurance Professionals (1998/1999), having served on the board of directors for 5 years. She was regional vice president of Region 1 (Northeast). Prior to that, she served two terms as president of NAIW-New York City. Currently, she is a member of the Insurance Professionals of Atlanta. In 2004, she received the American Association of Managing General Agents Achievement Award from the Georgia State Council of National Association of Insurance Women for her contributions to the association. In 2002, 2004, and 2009, she was named Insurance Woman of Atlanta, and in 1993, she was chosen as National Claims Professional of the Year.

Ms. Farnham serves the Risk and Insurance Management Society as a member of their professional development faculty. She teaches the WC Management, Claims Management, Fundamental of Insurance, and Executive Risk/E&O courses. Ms. Farnham served on the Board of Directors for the Registered Professional Adjusters Society from 1998 to 2018.

As an international speaker and author, Ms. Farnham's articles have been published in Business Insurance, Claims Magazine, The Claims Advisor, CPCU Claims Interest Group Quarterly, CPCU Society's Insights, National Underwriter, Risk Management Quarterly, Today's Insurance Professional, and Insurance International (published in the United Kingdom). She published her first children's e-book, Monster in the Barn, in 2012.

Expert Commentary

Date Article
Nov 2014 The Claims Professional as Problem Solver
Jul 2014 Personal Video Surveillance and Claims
Apr 2014 Five Tips for Claims Career Success
Feb 2014 Evaluating Bodily Injury Claims—Challenging Medical Conditions
Oct 2013 Evaluating Bodily Injury Claims—Back Injuries
Jul 2013 Evaluating Bodily Injury Claims—The Effects of Traumatic Injuries
Jun 2013 Evaluating Bodily Injury Claims: Consideration Based on the Type of Injury—Fractures
Jan 2013 Evaluating Bodily Injury Claims: Consideration Based on the Type of Injury—Wounds
Oct 2012 Litigation Preparation Begins on Day One
Jul 2012 Claims: There's an App for That, or Is There?
Jan 2012 Personal Lines Insurance Is Getting More Personal
Nov 2011 Plaintiff Duties in Personal Lines Claims
Oct 2011 Getting to the Bottom Line—Other Considerations To Analyze
Aug 2011 Getting to the Bottom Line—Determination of Damages
Apr 2011 Black Swans on the Horizon: Expecting the Unexpected
Jan 2011 The Art and Skill of Analyzing Coverage
Oct 2010 "Bewitching" Punitive Damages
Aug 2010 Stress-Free Claims Adjusting
May 2010 Claims in a Recovering Economy
Jan 2010 The Art of Strategic Negotiation
Oct 2009 "Green" Building Claim Implications
Jul 2009 Claims Adjusting and the Laws of Immunity
Apr 2009 Loss Payable in the Time of Foreclosures
Mar 2009 The Underwriting Submission—Homeowners Insurance
Jan 2009 Avoiding Bad Faith Allegations in Excess Loss Situations
Oct 2008 Personal Lines Property Loss Adjusting—Achieving Excellence