• Began in the property & casualty insurance industry in 1978 as a property field adjuster

  • Adjusting large complex international insurance losses since 1983

  • Resolved claims for Fortune 50 clients in Europe, South America and North America

  • Founded William Kramer & Associates in 1996

Contact: Connecticut Office: This email address is being protected from spambots. You need JavaScript enabled to view it. or call 860-409-7639

Bill Kramer founded William Kramer & Associates (WKA) in 1996. With five offices and ten adjusters, WKA focuses on complex, major losses and tailored adjustment services across both property and casualty lines. Entering the business in 1978, Bill handled a variety of losses throughout the New York metropolitan area as a staff adjuster including losses in school districts, hospitals, malls including fire, business interruption theft, cargo, and inland marine losses. Beginning In 1983, as a General Adjuster at American International Underwriters (AIU), Bill traveled throughout Europe, the United Kingdom, South America and the Mid-East for American International Group’s Fortune 50 clients.

In addition to international losses, Bill focused on petro chemical losses for Starr Technical Risks, an AIG company at the time. Bill traveled throughout North America for Starr Tech for a variety of oil and petro chemical and manufacturing losses, including Handling Texaco losses at their refineries and petro chemical plants in North and South America.

In 1988, Bill was recruited to Hartford Connecticut by Hartford Steam Boiler & Inspection Company to assist them in their nascent International Operation, Engineering Insurance Group (EIG). He also served as Manager of Claim Operations for the Southeast and Mid-Atlantic regions at HSB, which included six offices, nine claim managers, and two regional claim managers.

In 1990, Bill was approached by Thomas Howell Group, a subsidiary of Swiss Re, to establish a North American branch office network for THG, to complement their worldwide operations. Bill rose to Managing Director in 1993. In the fall of 1996, THG was acquired by Crawford & Company and Bill founded William Kramer & Associates.

​Work Experience:

Home Insurance, AIU, Hartford Steam Boiler, Thomas Howell Group


State University of New York, B.A. European History/Economics 1978

​Course Work:

GAB Property and BI Schools, Executive Development London THG, Colorado School of Mines Refining and mining courses, Harvard Law School CE

Adjuster Licenses:


Large Loss Experience:​

Terrorist bombings Bank of America France, Belgium 1985 $20.0mm Texaco pipeline rupture Ecuador 1984 $100.0mm, Texaco Port Arthur fire 1985 $300.0mm, various Bechtel losses Saudi Arabia 1983-1986 power plants, roads, hospitals, 1988 Tampa Children’s Hospital Fire $20.0mm, Terra Nitrogen 1994 Sioux City, $450.00mm, Pemex Chiapas Gas Plant explosion 1996 $300.0mm, Terra Nitrogen Floods Grand Forks 1997 $50.0mm, Lehman Bros. 9/11 2001 WFC $1.4bbl, 2003 Louisiana Pacific fires OSB plants $50.0mm, Chevron Katrina 2005 Gulf Coast $675.0mm, Air Products Katrina $175.0mm, Formosa Plastics 2005 Fire $150.0mm, ALON 2008 vapor cloud explosion Big Spring, TX $400.0mm, 2009 British Petroleum Whiting IN fire $100.0mm, 2010 Kleen Energy CT Explosion $375.0mm, 2010 Tesoro Fire Anacortes WA $200.0mm, 2011 ATK explosion rocket plant $50.0mm, Dow Chemical 2011 Fire $100.0mm, 2012 LSB AK Explosion $150.0mm, 2012 Sandy PSEG NJ $450.0mm

Full Contact Information:

​Bill Kramer, President

William Kramer & Associates

302 W. Main Street, Suite 101

Avon, CT 06001

Office: 860-409-7639

Direct: 860-470-2801

This email address is being protected from spambots. You need JavaScript enabled to view it.

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Hartford Office
302 W. Main St,
Suite 101
Avon, CT 06001
Phone: 860.409.7639
Fax: 860.409.7637

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New Jersey Office
16 Mount Bethel Road
Suite 306
Warren, NJ 07059
Phone: 201.826.6246
Fax: 732.543.7493

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Florida Office
2160 Duck Slough Blvd
Suite 101
New Port Richey, FL 34655
Phone 727.375.5117
Fax 727.375.5119

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Missouri Office
7253 Watson Road
St. Louis, MO 63119
Phone: 314.575.2476
Fax: 727.375.5119

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Puerto Rico Office
PO Box 1782
Carolina, PR 00984
Mobile: 787-505-2010
Phone/Fax: 787-757-6092