Finance Chair

Brad Karl, Chair
IIANC-NCSLA W. Kurt Fickling Distinguished Associate Professor in Risk Management & Insurance
Department of Finance College of Business
East Carolina University
3411 Bate Building
Greenville, NC  27858-4353

Dr. Brad Karl is an Associate Professor of Finance and Risk Management/Insurance in the College of Business at East Carolina University. His research interests include health insurance market operations, medical professional liability risk, and insurance regulation. Dr. Karl has published over 20 articles in various academic journals, including North American Actuarial Journal, Journal of Risk and Insurance, Journal of Empirical Legal Studies, Risk Analysis, Health Economics Review, Applied Economics, Risk Management and Insurance Review, Journal of Insurance Regulation, and Journal of Insurance Issues. Select publications are given below and Dr. Karl’s vita is available by email request (

Dr. Karl is also the recipient of multiple teaching awards, including the ECU Scholar-Teacher Award and the ECU COB New Faculty Teaching Award. He is currently a member of the Risk theory Society, the American Risk and Insurance Association, and the Southern Risk and Insurance Association. Prior to joining ECU, Dr. Karl earned his PhD in Risk Management and Insurance from Florida State University in 2013.

Selected Published Research
Karl, J. Bradley and Charles M. Nyce (2019) “The Effect of Distracted Driving Laws on Automobile Liability Insurance Claims” North American Actuarial Journal, forthcoming.

Karl, J. Bradley and Charles M. Nyce (2019) “How Cellphone Bans Affect Automobile Insurance Markets” Journal of Risk and Insurance, 86(3): 567 – 593.

Born, Patricia H. J. Bradley Karl and Hugo Montesinos-Yufa (2018) “The Effect of Damage Cap Reforms on Medical Malpractice Insurance Market Conditions during Periods of Crises” Journal of Risk and Insurance, forthcoming.

Born, Patricia H., J. Bradley Karl, and W. Kip Viscusi (2017) “The Net Effects of Medical Malpractice Tort Reform on Health Insurance Losses: The Texas Experience” Health Economics Review, 7(42): 1 – 16.

Born, Patricia H. and J. Bradley Karl (2016) “The Effect of Tort Reform on Medical Malpractice Insurance Market Trends” Journal of Empirical Legal Studies, 13 (4): 718 – 755.

Karl, J. Bradley, Lorilee A. Medders, and Patrick F. Maroney (2016) “The Effects of Revealed Information on Catastrophe Loss Projection Models’ Characterization of Risk: Damage Vulnerability Evidence from Florida” Risk Analysis, 36 (6): 1224 – 1250.

Karl, J. Bradley, Patricia H. Born, and W. Kip Viscusi (2016) “The Relationship between the Markets for Health Insurance and Medical Malpractice Insurance” Applied Economics, 48 (55): 5348 – 5363.

Medders, Lorilee A., Charles M. Nyce, and J. Bradley Karl (2014). “Market Implications of Public Policy Interventions: The Case of Florida’s Property Insurance Market” Risk Management and Insurance Review, 17 (2): 183 – 214. (Winner of RMIR Award for Best Article)