Dave Dybdahl 2019

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 the first contractors pollution liability insurance policy in 1986. He has provided technical guidance on environmental insurance issues to the US Environmental Protection Agency, the Army Corps of Engineers, the US Justice Department, and the US Department of Energy. 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 containment operations of the Chernobyl nuclear disaster for the World Bank in London.

His work experience includes risk management consulting for a major manufacturer of asbestos, creating the Global Environmental Practice and serving as the chief knowledge officer of Willis, and forming a national award-winning wholesale environmental insurance brokerage firm where he is currently employed. He founded the nonprofit Society of Environmental Insurance Professionals in 1999 to advance global knowledge-sharing on environmental risk management and insurance.

Mr. Dybdahl is a frequent speaker and published author. He is an approved instructor for the errors and omissions loss prevention curriculum of the national Independent Insurance Agents and Brokers Association and Certified Insurance Counselors classes on environmental insurance. He has made presentations at the national conventions of the Risk and Insurance Management Society and the Society of Chartered Property and Casualty Underwriters, in addition to presenting to more than 400 other technical and education seminars in the insurance industry. His writings have appeared in numerous journals including IRMI and have been used in over 30 insurance textbooks, including the chapter on environmental insurance in the Chartered Property and Casualty Underwriter (CPCU) 4Commercial LiabilityRisk Management and Insurance textbook, and the chapter "Environmental Loss Control” in the Associate in Risk Management (ARM) textbook.

Mr. Dybdahl has served as an expert witness and provided technical research and advice on the customs and practices in the insurance business in over $13 billion of litigated insurance coverage matters.

Mr. Dybdahl received his bachelor of business administration with a major in risk management and insurance and a master of business administration 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 37 consecutive years. His professional designations include the ARM and CPCU.

Expert Commentary

Date Article
Jul 2021 How COVID-19 Changed the Commercial Cleaning Business
Mar 2021 Managing the Risks of Resiliency-Related Services
Jan 2021 Proactively Manage COVID-19 Risks in the Built Environment
Jul 2020 Mitigating the COVID-19 Risk in Buildings
Apr 2020 Environmental Insurance Coverage for COVID-19 and Other Biological Hazards
Sep 2019 In Search of Sasquatch and Construction Defect Insurance
Apr 2019 Avoid Common Errors with Environmental Risks and Insurance
Jan 2019 Avoid Insurance Broker Professional Liability Losses from Environmental Risk
Jun 2018 The Sudden and Accidental Pollution Coverage Myth
Mar 2018 Insuring Farmers for Environmental Damage Claims
Jan 2018 Insuring Indoor Environment Risks in Commercial Property
Sep 2017 Avoiding Insurance Coverage Litigation for Pollution Losses
Jun 2017 Mold Tops Environmental Impairment Policy Claims
Mar 2017 Avoid Common Mistakes That Lead to Uninsured Environmental Loss
Jan 2017 Environmental Risks and Insurance: Looking Back and Forward
Oct 2016 Changing Environmental Insurers: Use Caution
Jul 2016 A Big Picture on Environmental Insurance
Oct 2015 Environmental Insurance: Just the Facts
Sep 2015 A User's Guide to Pollution Exclusions and Environmental Insurance
Jul 2015 Avoiding Common Insurance Certificate Errors
Mar 2015 State Supreme Court Changes the Game on Pollution Exclusions and Environmental Insurance
Dec 2014 Insurance Coverage for Losses Arising from the Ebola Virus
Jul 2014 Contractors Environmental Liability Insurance: Claims-Made versus Occurrence
Jun 2014 Common Myths about Contractors Environmental Insurance
Mar 2014 Rational CPL Insurance Specifications
Jan 2014 Contractual Risk Transfer for Contamination Risks
Sep 2013 Revealing the Dark Secrets of Category 3 Water Exclusions
 2023 IRMI Emmett J Vaughan Agribusiness Conference (AgriCon)

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