David Dybdahl

A licensed excess and surplus lines insurance broker, consultant and expert witness. In his thirty year career specializing in environmental insurance he has:
• Placed and serviced thousands of environmental insurance policies
• Trained and managed hundreds of insurance brokers
• Taught environmental risk management insurance classes at the University of Wisconsin-Madison School of Business for thirty one consecutive years.

He has successfully placed insurance programs on many of the world’s toughest environmental risks including insuring the containment operations at Chernobyl for the World Bank in London. At the opposite end of the risk spectrum he also placed liability insurance on hundreds of small family businesses.

Mr. Read more

A licensed excess and surplus lines insurance broker, consultant and expert witness. In his thirty year career specializing in environmental insurance he has:
• Placed and serviced thousands of environmental insurance policies
• Trained and managed hundreds of insurance brokers
• Taught environmental risk management insurance classes at the University of Wisconsin-Madison School of Business for thirty one consecutive years.

He has successfully placed insurance programs on many of the world’s toughest environmental risks including insuring the containment operations at Chernobyl for the World Bank in London. At the opposite end of the risk spectrum he also placed liability insurance on hundreds of small family businesses.

Mr. Dybdahl has published numerous articles in journals and textbooks including the chapter on environmental insurance in the CPCU 4, Commercial Liability, Risk Management and Insurance textbook, authored and edited the chapter on Environmental Loss Control in the ARM textbook, and published articles in Business Insurance, National Underwriter, Bests Review, Risk Management magazine, Risk Management Today, The John Liner Review, The Associated General Contractors, Construction Contractors Environmental Risk Management Procedures Manual, Rough Notes, and The Design Professionals Handbook of Business and Law. He is a co-author of the environmental and mold insurance professional liability loss control chapter for the Independent Insurance Agents of America in Washington DC and served on the consensus drafting committees of the IICRC Professional Mold Remediation Standard and the Professional Water Damage Restoration Standard.

Mr. Dybdahl received his BBA with a major in Risk Management & Insurance, and MBA with majors in Risk Management and Finance from the University of Wisconsin-Madison. His professional designations include the Associate in Risk Management (ARM) and Chartered Property and Casualty Underwriter (CPCU).

II. Work Experience
1999 to Present: American Risk Management Resource Network, LLC. Principal,
1999 to Present: The Society of Environmental Insurance Professionals, Founder
2002 International Risk Group, President
2001 Aon, Mid West Environmental Insurance Director
1990 to 1999 : Willis Global Environmental Practice, Managing Director
1998 to 1999: Willis Corroon America, Chief Knowledge Officer
1983 to 1990: Corroon and Black, Insurance Brokers, Vice President
1982 to 1983 : Frank B Hall, Insurance Broker, Producer
1980 to 1982: Risk Treatment Services, Consultant

Engagement fee varies on scope of work
Performance period is specified by the client.

Scope of Work typically includes the following but not limited to:

Evaluation of risk and or insurance Summary provided In light of the above insurance review, prepare an evaluation of the proposed Offer policy and or risk comparisons and determine suitability and or negligence ex I will make recommendations on the type(s) and amounts of insurance needed to cover costs of response, clean up, and environmental remediation in the event of a catastrophic spill.

As well as make recommendations on the appropriate type(s) of insurance and/or appropriate endorsement(s) needed Finally, Provide a written report providing the evaluations, determinations, and recommendations listed in this scope of services.

Past clients include:

• US EPA
• US Justice Department
• The Army Corps of Engineers
• The World Bank in London.
• Recent Consulting, Expert and Fact Assignments
• Review the procurements of Fixed Price Remediation’s for the US Army Environmental Center.
• The contract value was $500,000,000. Washington DC and Omaha.
• Develop a business plan to create a specialty wholesale insurance broker on a national scale, projects in Colorado and Illinois.
• Insurance Product Development: develop risk evaluation models, design insurance policy forms and underwriting guidelines for environmental insurance covering mold and products liability related damages. New York.
• Evaluated cost proposals for fixed price remediation insurance packages, private clients in Texas and California.
• Expert on insurance coverage issues related to cost cap/stop loss environmental insurance policies, two cases, New Jersey/ California.
• The availability and pricing of environmental insurance on a property transfer in 1995, Illinois
• The availability of environmental insurance from 1987 to 1995 for insurance recovery allocations on uninsured years, Alabama.
• The availability of environmental insurance from 1987 to 1997 for uninsured years, Washington.
• The availability of environmental insurance on a property transfer in 1997 and 1998, risk advisors professional liability claim for $189,000,000, California.
• Environmental insurance coverage and cost comparison between bidders for a brownfield development, premiums ranged from $14,000,000 to $90,000,000, California.
• Analyze carrier insolvency and the efficacy of proof of financial responsibility mechanisms.
• Washington, DC , U.S. Environmental Protection Agency/ U.S. Department Of Justice.
• Analyze the efficacy of proof of financial responsibility mechanisms. Washington, DC US
• EPA/US DOJ, California Solid Waste Board
• Alleged brokerage negligence in the procurement of closure and long term care insurance. South Carolina.
• Defend alleged broker negligence in the procurement of environmental insurance. California, Missouri, Florida.
• Provide insurance coverage litigation support for a disputed cost cap insurance claim. Federal Court, New York, Insurance coverage litigation support on a cost cap policy Illinois, Engineers Professional Liability insurance coverage litigation, New Jersey.

IV. Expert Witness Cases
McClandless Fuels, Inc.
v.
Progressive Fuels, Inc., et al.
April, 2001
Superior Court, New Jersey Law Division, Gloucester County Docket No. C-107-91
For the defense, on the availability of the environmental insurance.

Steadfast Insurance Company
v.
Santa Clarita, LLC.
May 2001
Superior Court of the State of California, County of Los Angles
For the defense, as a witness provided by the insurance broker.

South Carolina Department of Health
v.
Commerce and Industry Insurance Company, et al.
December 2002
US District Court for the District of South Carolina, Charleston Division
For the plaintiff, coverage under GL policies for proof of financial responsibility certificates of
insurance.

Illinois Department of Transportation
v.
Harris Bank Barrington, NA. et al.
Cook County Illinois, Case no. 99 L 51227
October 2002
For the Plaintiff, Estimate the cost of environmental insurance in prior years.

Frazier Exton Development, LP
v.
Kemper Environmental, et al.
US District Court, New York, Manhattan
September 2003
For the Defense, The coverage provided in an environmental insurance policy.

Safety-Kleen Corporation, et al.
v.
MIMS International, Inc
March 2003
US District Court for the District of South Carolina, Columbia Division
For the plaintiff, Insurance company solvency issues on proof of financial responsibility.

Global Oil Production, LLC.
v.
Evanston Insurance Company et al.
December 2003
Superior Court of Los Angles, Central District
For the defense, Insurance agent professional liability.

David A. Jungerman
v.
Neal S. Clevenger
v.
Oliver Insurance Agency, Inc. et al.
December 2003
Circuit Court of Jackson County, Missouri, at Independence
For the defense, Insurance agent professional liability.

Safety-Kleen Corp., et al.
v.
MIMS International Inc. (D.S.C.)
Expert for the plaintiff regarding the availability of financial assurance insurance for hazardous
waste sites
March 2004
7780 Elmwood Ave., Suite 200 ~ Middleton, WI 53562

AMERICAN RISK MANAGEMENT RESOURCES NETWORK, LLC
David Dybdahl 8
v.
Kemper Environmental, et al.
US District Court, New York, Manhattan
September 2003
For the Defense, The coverage provided in an environmental insurance policy

Safety-Kleen Corporation, et al.
v.
MIMS International, Inc
March 2003
US District Court for the District of South Carolina, Columbia Division
For the plaintiff, Insurance company solvency issues on proof of financial responsibility.

Global Oil Production, LLC.
v.
Evanston Insurance Company et al.
December 2003
Superior Court of Los Angles, Central District
For the defense, Insurance agent professional liability.

David A. Jungerman
v.
Neal S. Clevenger
v.
Oliver Insurance Agency, Inc. et al.
December 2003
Circuit Court of Jackson County, Missouri, at Independence
For the defense, Insurance agent professional liability.

Safety-Kleen Corp., et al.
v.
MIMS International Inc. (D.S.C.)
Expert for the plaintiff regarding the availability of financial assurance insurance for hazardous
waste sites
March 2004

Indian Harbor Insurance Company
v.
The Lampson & Sessions Co.
United States District Court
Southern District of New York
03-CV-9861 (JGK)
For the defense regarding errors in a rewritten policy form being transferred to a new insurance
company.
June 2005

Ispat Inland Inc
v.
Kemper Environmental, Ltd.
For the defense regarding

Southern New Jersey Rail Group
v.
Lumbermans
Civ. No 06-4946
Witness for the defense regarding a denied loss based on the extension of a policy term.

Republic Services, Inc.
v.
American International Specialty Lines Insurance Company
United States District Court
Southern District of Florida
Ft. Lauderdale Division
Case Number 07-21991
Expert for the plaintiff in a denied claim involving environmental insurance on a landfill.
February 2009

Past clients include:

• US EPA
• US Justice Department
• The Army Corps of Engineers
• The World Bank in London.
• Recent Consulting, Expert and Fact Assignments
• Review the procurements of Fixed Price Remediation’s for the US Army Environmental Center.
• The contract value was $500,000,000. Washington DC and Omaha.
• Develop a business plan to create a specialty wholesale insurance broker on a national scale, projects in Colorado and Illinois.
• Insurance Product Development: develop risk evaluation models, design insurance policy forms and underwriting guidelines for environmental insurance covering mold and products liability related damages. New York.
• Evaluated cost proposals for fixed price remediation insurance packages, private clients in Texas and California.
• Expert on insurance coverage issues related to cost cap/stop loss environmental insurance policies, two cases, New Jersey/ California.
• The availability and pricing of environmental insurance on a property transfer in 1995, Illinois
• The availability of environmental insurance from 1987 to 1995 for insurance recovery allocations on uninsured years, Alabama.
• The availability of environmental insurance from 1987 to 1997 for uninsured years, Washington.
• The availability of environmental insurance on a property transfer in 1997 and 1998, risk advisors professional liability claim for $189,000,000, California.
• Environmental insurance coverage and cost comparison between bidders for a brownfield development, premiums ranged from $14,000,000 to $90,000,000, California.
• Analyze carrier insolvency and the efficacy of proof of financial responsibility mechanisms.
• Washington, DC , U.S. Environmental Protection Agency/ U.S. Department Of Justice.
• Analyze the efficacy of proof of financial responsibility mechanisms. Washington, DC US
• EPA/US DOJ, California Solid Waste Board
• Alleged brokerage negligence in the procurement of closure and long term care insurance. South Carolina.
• Defend alleged broker negligence in the procurement of environmental insurance. California, Missouri, Florida.
• Provide insurance coverage litigation support for a disputed cost cap insurance claim. Federal Court, New York, Insurance coverage litigation support on a cost cap policy Illinois, Engineers Professional Liability insurance coverage litigation, New Jersey.

IV. Expert Witness Cases
McClandless Fuels, Inc.
v.
Progressive Fuels, Inc., et al.
April, 2001
Superior Court, New Jersey Law Division, Gloucester County Docket No. C-107-91
For the defense, on the availability of the environmental insurance.

Steadfast Insurance Company
v.
Santa Clarita, LLC.
May 2001
Superior Court of the State of California, County of Los Angles
For the defense, as a witness provided by the insurance broker.

South Carolina Department of Health
v.
Commerce and Industry Insurance Company, et al.
December 2002
US District Court for the District of South Carolina, Charleston Division
For the plaintiff, coverage under GL policies for proof of financial responsibility certificates of
insurance.

Illinois Department of Transportation
v.
Harris Bank Barrington, NA. et al.
Cook County Illinois, Case no. 99 L 51227
October 2002
For the Plaintiff, Estimate the cost of environmental insurance in prior years.

Frazier Exton Development, LP
v.
Kemper Environmental, et al.
US District Court, New York, Manhattan
September 2003
For the Defense, The coverage provided in an environmental insurance policy.

Safety-Kleen Corporation, et al.
v.
MIMS International, Inc
March 2003
US District Court for the District of South Carolina, Columbia Division
For the plaintiff, Insurance company solvency issues on proof of financial responsibility.

Global Oil Production, LLC.
v.
Evanston Insurance Company et al.
December 2003
Superior Court of Los Angles, Central District
For the defense, Insurance agent professional liability.

David A. Jungerman
v.
Neal S. Clevenger
v.
Oliver Insurance Agency, Inc. et al.
December 2003
Circuit Court of Jackson County, Missouri, at Independence
For the defense, Insurance agent professional liability.

Safety-Kleen Corp., et al.
v.
MIMS International Inc. (D.S.C.)
Expert for the plaintiff regarding the availability of financial assurance insurance for hazardous
waste sites
March 2004
7780 Elmwood Ave., Suite 200 ~ Middleton, WI 53562

AMERICAN RISK MANAGEMENT RESOURCES NETWORK, LLC
David Dybdahl 8
v.
Kemper Environmental, et al.
US District Court, New York, Manhattan
September 2003
For the Defense, The coverage provided in an environmental insurance policy

Safety-Kleen Corporation, et al.
v.
MIMS International, Inc
March 2003
US District Court for the District of South Carolina, Columbia Division
For the plaintiff, Insurance company solvency issues on proof of financial responsibility.

Global Oil Production, LLC.
v.
Evanston Insurance Company et al.
December 2003
Superior Court of Los Angles, Central District
For the defense, Insurance agent professional liability.

David A. Jungerman
v.
Neal S. Clevenger
v.
Oliver Insurance Agency, Inc. et al.
December 2003
Circuit Court of Jackson County, Missouri, at Independence
For the defense, Insurance agent professional liability.

Safety-Kleen Corp., et al.
v.
MIMS International Inc. (D.S.C.)
Expert for the plaintiff regarding the availability of financial assurance insurance for hazardous
waste sites
March 2004

Indian Harbor Insurance Company
v.
The Lampson & Sessions Co.
United States District Court
Southern District of New York
03-CV-9861 (JGK)
For the defense regarding errors in a rewritten policy form being transferred to a new insurance
company.
June 2005

Ispat Inland Inc
v.
Kemper Environmental, Ltd.
For the defense regarding

Southern New Jersey Rail Group
v.
Lumbermans
Civ. No 06-4946
Witness for the defense regarding a denied loss based on the extension of a policy term.

Republic Services, Inc.
v.
American International Specialty Lines Insurance Company
United States District Court
Southern District of Florida
Ft. Lauderdale Division
Case Number 07-21991
Expert for the plaintiff in a denied claim involving environmental insurance on a landfill.
February 2009