David Dybdahl

David Dybdahl

President, American Risk Management Resources Network, LLC

Contact Info

American Risk Management Resources Network, LLC
7780 Elmwood Ave., Suite 130 
Middleton, WI 53562
Phone: (608) 836-9567


David Dybdahl writes the Expert Commentary column on environmental insurance.

Mr. Dybdahl is a licensed excess and surplus lines insurance broker, insurance consultant, and expert witness specializing in environmental insurance and risk management. He has served on the US Environmental Protection Agency's Contractor Indemnification Technical Review Panel, where he created contractors pollution liability insurance in 1986. He has provided technical information on environmental insurance issues to the US Department of Defense and Department of Energy. He is the former chairman of the Environmental Task Force of the National Association of Insurance Brokers. Mr. Dybdahl has successfully placed insurance programs on many of the world's toughest environmental risks, including developing the first environmental insurance policies for Superfund contractors, placing the first wrap-up insurance programs on the US Department of Energy's nuclear weapons facilities at Hanford, Washington, and Oak Ridge, Tennessee, and insuring the remediation of Chernobyl for the World Bank in London.

His work experience includes risk management consulting for a major manufacturer of asbestos, insurance brokerage, creating the Global Environmental Practice, serving as the chief knowledge officer of one of the world's largest insurance brokerage firms, and founding the Environmental Insurance Professionals (SEIP).

Mr. Dybdahl is a frequent speaker and has made numerous presentations at the national conventions of the Risk and Insurance Management Society and the Society of Chartered Property and Casualty Underwriters, in addition to making presentations to more than 400 other technical and education seminars in the insurance industry. He has published numerous articles in journals and textbooks, including the chapter on environmental insurance in the Chartered Property and Casualty Underwriter (CPCU) 4, Commercial Liability, Risk Management and Insurance textbook, authored and edited the chapter "Environmental Loss Control” in the Associate in Risk Management (ARM) textbook, and published many other articles.

Mr. Dybdahl received his BBA with a major in risk management and insurance and an MBA with majors in risk management and finance from the University of Wisconsin–Madison. He has been a guest lecturer in the business, engineering, and law schools at the University of Wisconsin–Madison for 32 consecutive years. His professional designations include the ARM and CPCU.


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