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David Dybdahl

(608) 836–9567

[email protected]

American Risk Management Resources Network, LLC
7780 Elmwood Ave. , Ste. 130
Middleton , WI 53562

David J. Dybdahl, CPCU, ARM, MBA, CIC


Mr. Dybdahl writes the Expert Commentary column on environmental insurance.

Mr. Dybdahl, president, American Risk Management Resources Network, LLC, 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), Commercial Liability, Risk Management and Insurance textbook, and the chapter "Environmental Loss Control” in the Associate in Risk Management (ARM) textbook. His works have appeared in CPCU and ARM textbooks and in Practical Risk Management and The Risk Report, both published by IRMI.

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 $1.9 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 CPCU, ARM, MBA and CIC.



Silly Insurance Requirements Lead to Bogus Insurance Certificates

January 27, 2023 | David Dybdahl

Coronavirus COVID-19 blue molecules on red background


How COVID-19 Changed the Commercial Cleaning Business

June 18, 2021 | David Dybdahl


Managing the Risks of Resiliency-Related Services

March 26, 2021 | David Dybdahl


Proactively Manage COVID-19 Risks in the Built Environment

January 08, 2021 | David Dybdahl


Mitigating the COVID-19 Risk in Buildings

July 24, 2020 | David Dybdahl


In Search of Sasquatch and Construction Defect Insurance

September 27, 2019 | David Dybdahl


Avoid Common Errors with Environmental Risks and Insurance

April 12, 2019 | David Dybdahl


The Sudden and Accidental Pollution Coverage Myth

June 15, 2018 | David Dybdahl


Insuring Farmers for Environmental Damage Claims

March 16, 2018 | David Dybdahl


Insuring Indoor Environment Risks in Commercial Property

January 19, 2018 | David Dybdahl


Avoiding Insurance Coverage Litigation for Pollution Losses

September 22, 2017 | David Dybdahl


Mold Tops Environmental Impairment Policy Claims

June 30, 2017 | David Dybdahl


Avoid Common Mistakes That Lead to Uninsured Environmental Loss

March 31, 2017 | David Dybdahl


Environmental Risks and Insurance: Looking Back and Forward

January 13, 2017 | David Dybdahl


A Big Picture on Environmental Insurance

July 01, 2016 | David Dybdahl


Environmental Insurance: Just the Facts

October 02, 2015 | David Dybdahl


A User's Guide to Pollution Exclusions and Environmental Insurance

September 25, 2015 | David Dybdahl


Avoiding Common Insurance Certificate Errors

July 17, 2015 | David Dybdahl


Insurance Coverage for Losses Arising from the Ebola Virus

December 01, 2014 | David Dybdahl


Rational CPL Insurance Specifications

March 01, 2014 | David Dybdahl


Revealing the Dark Secrets of Category 3 Water Exclusions

September 01, 2013 | David Dybdahl