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DUAL

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(866) 455-1671


 * PROGRAMS


 * COMPANY OVERVIEW


 * NEWS


 * APPLICATIONS

 * Select Category
   
   
   FINE ART & COLLECTIBLES
   
   
   
   DUAL’s Fine Art program provides insurance products for a variety of art
   collections including but not limited to paintings, sculptures, ephemera,
   jewelry, couture, rare books and manuscripts, antiques, and other objects of
   artistic or historic merit. Fine Art dealers stock in trade, museums
   collections and traveling exhibitions coverages also available.
   
    
   
   Program Highlights:
   
    * Domestic and international transit coverage
    * Flexible deductible options
    * Minimum premium: $2500
    * Primary and Excess limits available
    * Non-admitted DUAL proprietary policy forms
   
   Target Classes:
   
    * Museums
    * Universities & Educational Facilities
    * Religious Industries
    * Art Galleries & Private Dealers
    * Personal Collectors, including Jewelry collections
    * Corporate Collectors
    * Municipalities
   
   View Program PageAvailability in 50 States
   
   
   RESIDENTIAL EARTHQUAKE
   
   
   
   DUAL’s Residential Earthquake offering is underwritten through Catalytic
   Risk, a DUAL North America subsidiary.
   
   “Optimum” Residential Earthquake Insurance Program:
   
    
   
    * More Affordable
    * Higher Limits
    * A – Rated Carrier
    * Flexible Pay Plans
    * Low Deductibles
    * Broad Coverages
    * Direct Bill
    * Highest Commissions Available!!
   
   View Program PageAvailability in CA
   
   
   HOMEOWNERS & MOBILE HOME
   
   
   
   DUAL’s Homeowners & Mobile Home offering is underwritten through NALICO, a
   DUAL North America subsidiary.
   
   Your house is more than a dwelling. It’s your home and you require protection
   from the unexpected. Finding coverage is easy with NALICO General and our
   agents will work with you to find insurance that is right for you.
   
    
   
   Homeowners:
   Homeowners coverage to protect your home and personal property. If your home
   is owner occupied, liability and theft coverage is included.
   
    
   
    * Dwelling Fire:
      Dwelling fire coverage to protect your home and personal property if you
      are an owner, renter or seasonal occupant. Owners, landlords and tenants
      liability is also available as optional coverage.
    * Vacant Property:
      Vacant Property coverage to provide fire and extended coverage for vacant
      properties on a 12-month term, with the option to add liability.
   
   Mobile Home:
   
    * Replacement Cost:
      Insurance coverage for seasonal, vacant, renters and occupied mobile and
      manufactured homes.
    * Attached and Unattached Structures:
      We insure all types of mobile homes – single, double and triple-wide,
      modular and manufactured homes.
    * Comprehensive Personal Liability:
      Whether you are a snowbird or live in your mobile home year round, our
      insurance agents can find the right coverage to protect your manufactured
      and mobile home.
    * Optional Coverages:
      We offer a variety of insurance coverage options designed to fit your
      needs with optional insurance coverages like flood, liability and
      replacement cost.
    * Specialty Coverages:
      We work with a network of mobile home dealers to provide you the mobile
      home insurance you need when you purchase a new mobile home. We can also
      offer special mobile home insurance coverages, such as extended service
      warranties, which can cover your appliances from defects for up to 10
      years. (Restricted availability).
   
   View Program PageAvailability in 6 States
   
   
   TENANT LEGAL LIABILITY
   
   
   
   DUAL’s Surety offering is underwritten through Deposit Choice, a DUAL North
   America Subsidiary.
   
   Deposit Choice surety bonds, underwritten by highly respected national
   insurance companies, provide a commitment or guarantee that renters will meet
   the obligations of their lease agreement-much like traditional cash deposits.
   
   Residents remain responsible for meeting the terms of their lease agreements.
   The costs of any outstanding obligations (like unpaid rent or apartment
   damages) are deferred until those costs actually occur. Residents who fulfill
   their lease agreements and leave their rental home in good condition have no
   further expenses beyond the original Deposit Choice premium.
   
   View Program PageAvailability in 50 States
   
   
   POLITICAL VIOLENCE
   
   
   
   DUAL’s Political Violence program addresses the continuing and changing
   threat of terrorism and political violence around the world and the need for
   the right coverage. DUAL has the capability to offer coverage for different
   regions and threats for our clients. DUAL Political Violence has partnered
   with an established panel of Lloyd’s and A+ rated carriers to offer a
   terrorism and political violence offering specifically for the DUAL network.
   
   Program Highlights:
   
    * Contract certain terms ready to send to your client
    * Access to experienced underwriters offering a fast and flexible service
    * Flexible wordings to deliver the coverage required for your client
    * Limits up to $150M
    * Flexible periods including long term construction
   
   Program Appetite:
   
    * Residential
    * Retail and commercial premises
    * Entertainment and sports venues
    * Industrial and manufacturing sites
    * Power and energy facilities
    * Construction projects
    * Real estate portfolios
   
   View Program PageAvailability in 50 States
   
   
   FLOOD
   
   
   
   Coverages Offered :Building and contentsBusiness interruption
   
   Trusted Flood, a division of DUAL, offers a private Flood program designed
   for retail agencies to access coverage for residential and commercial risks.
   Get appointed today to rate, quote, and bind online.
   
    
   
   Flood products available:
   
    * Private Primary Flood
    * Excess Flood
   
   Program highlights:
   
    * Primary AND Excess Quote/Bind on our Online Rater
    * Residential, Commercial & RCBAP Policies
    * CBRA Zones and Non-Participating Communities
    * Coastal Residential Basement Risks with Minimum Required Deductibles
    * RCV Loss Settlement on ALL Claims
    * Business Interruption Coverage/Rental Loss Coverage
    * Online Agency Payment Option via ePayPolicy
    * Lender Compliant
    * Coverages available are building and contents, and business interruption
   
   Excluded risks:
   
    * Mobile/modular homes
    * Low rise condominium associations
    * Individual condominium units
   
   View Program PageAvailability in 49 States
   
   
   DEDUCTIBLE BUYBACK
   
   
   
   DUAL’s Specialty Perils program is designed to provide homeowners targeted
   coverage for Wind, Hail, Flood, & Earthquake deductible buy down for high
   value homeowners and coastal commercial property.
   
   Program Highlights:
   
    * Wind, hail, flood & quake deductible buy-down
    * Coastal all risk & wind
    * High value homeowners
    * Commercial property coverage
    * AOP
   
   Deductible Buy Back:
   
    * In-house capacity of $20 million per location all interest
      – Building, contents, loss of income
    * Max limit of liability: $1,000,000
    * Minimum earned premium generally fully earned unless otherwise agreed
    * Perils: Flood, earthquake, wind, hail & all risks
   
   
   View Program PageAvailability in 50 States
   
   
   TRANSACTIONAL RISK
   
   
   
   DUAL Transactional Risk specializes in underwriting insurance coverage for
   representations and warranties, tax liability, and contingent liability. The
   policies offered by our team of veteran, highly skilled underwriters are
   individually tailored to each risk. Our program aids mergers and acquisitions
   and other transactions by protecting parties involved in deals.
   
   DUAL Transactional Risk specializes in underwriting insurance coverage for
   representations and warranties, tax liability, and contingent liability. The
   policies offered by our team of veteran, highly skilled underwriters are
   individually tailored to each risk. Our program aids mergers and acquisitions
   and other transactions by protecting parties involved in deals.
   
   Program Highlights:
   
    * A rated carrier support
    * Capacity to underwrite transactions with limits in excess of $30M, either
      as a lead or participant in larger programs
    * Appetite for underwriting deals in all enterprise value ranges from small
      to mega market sizes.
   
   View Program PageAvailability in 50 States
   
   
   PROFESSIONAL LIABILITY
   
   
   
   In DUAL’s Professional Liability program, we focus on architects & engineers,
   miscellaneous E&O, and allied health.
   
   Program Highlights:
   
   
    * Limits up to $5M available
    * Primary or excess capacity available
    * Carrier claims handling
   
   Target Classes:
   
    * Landscape architects
    * Civil/electrical/structural/mechanical engineering
    * Design build exposures
    * Geotech
    * Artisan and general contractors
    * Agricultural consultant
    * Court reporters
    * Management consultant
    * Market research/public opinion polling
    * Notary public
    * Auctioneers
    * Manufacturer’s representatives
    * Logistics services
    * Employment agencies (non-medical)
   
   View Program PageAvailability in 50 States
   
   
   CYBER
   
   
   
   DUAL Cyber provides a comprehensive first- and third-party solution for the
   needs of a broad spectrum of small to mid-sized business to protect them
   against various technology-related threats. DUAL’s Cyber insurance not only
   helps businesses respond to and recover from digital attacks, it helps
   prevent them with included safety features.
   
   Highlights:
   
    * Nationwide program
    * Program led by A.M. Best rated A+ XV carrier
    * Non-admitted
    * Limits from $10,000 to $2M primary, up to $3M excess
    * Risk revenue up to $50M
    * Claims made form
    * Retentions start at $2,500
   
   View Program PageAvailability in 50 States
   
   
   OCEAN MARINE
   
   
   
   DUAL’s Ocean Marine offering is underwritten through EIURS, a DUAL North
   America subsidiary.
   
   When rough winds meet rougher seas, EIURS is here to help. With EIURS at the
   helm your team can be confident that you are providing the most competitive
   and robust quote to your insureds. This program provides coverage for Marine
   General Liability, Maritime Employers Liability, P&I including crew, Hull,
   and Excess/Bumbershoot.
   
   Program Details:
   
    * Carrier Rated A+XV
    * Marine General Liability Limits:
      * $1 million any one accident or occurrence, combined single limit
      * $2 million General Aggregate
      * $2 million Products & Completed Operation
      * $1 million  Personal & Advertising injury
    * $50,000 Tenant Legal Liability
    * $5,000 Medical Expenses
    * P&I limit: $1 million
    * Hull Limit: $300,000 any one Hull (TIV)
    * Mobile Equipment Limit: $1,000,000 Total Insured Values
    * Maritime Employers Liability Limit: $1,000,000 each occurrence/annual
      aggregate
    * Excess/Bumbershoot Limit: $10,000,000
   
   View Program PageAvailability in 50 States
   
   
   INLAND MARINE
   
   
   
   DUAL’s Inland Marine offering is underwritten through EIURS, a DUAL North
   America subsidiary.
   
   Our Inland Marine offering is an excellent product to round out your Energy,
   Environmental and Contractor account placements with EIURS and DUAL. We can
   provide broad coverages protecting against equipment loss at job sites, in
   transit, or stored during non-use. Solutions are available for owned,
   borrowed or leased equipment and tools, equipment held for sale or rented to
   others, items being transported and much more.
   
   Our focus is mainly on Contractors Equipment schedules and we’ve found our
   niche to be unique or unusual pieces of equipment or schedules of such
   equipment. We shine on risks that are difficult to place with other Inland
   Marine markets.
   
   Program Details:
   
    * Program Carrier Rated “A+ XV” by A.M. Best
    * Admitted Paper – countrywide
    * $25M Contractor’s Equipment – Account TIV
   
   Available coverages:
   
    * Contractors Equipment
    * Leased or Rented Equipment to/from others
    * Riggers Liability
    * Motor Truck Cargo
    * Waterborne Extension
    * Builders Risk/Installation Floaters
   
   Appetite:
   Inland Marine coverage for those businesses engaged in the Energy, Utility,
   Environmental and Contractors industries
   
   View Program PageAvailability in 49 States
   
   
   HEAVY TRANSPORT
   
   
   
   DUAL’s Heavy Transport offering is underwritten through NBIS, a DUAL North
   America subsidiary.
   
   With no minimum premiums required, NBIS’s heavy haul insurance program is one
   of the most comprehensive, unique, and useful programs available today. If
   you need coverage for over-sized, over-weight, multi-dimensional, or
   large-capacity cargo, NBIS offers a variety of coverage types and limits
   designed to keep you moving across all 50 states.
   
   View Program PageAvailability in 50 States
   
   
   EQUIPMENT RENTAL & DEALERS
   
   
   
   DUAL’s Equipment Rental & Dealers offering is underwritten through NBIS, a
   DUAL North America subsidiary.
   
   When it comes to renting and selling heavy equipment to contractors, NBIS
   knows your business better than just about anyone else in the country. Our
   heavy equipment insurance program—which is provided to you with a fierce
   attention to detail—includes holistic means for controlling your liability
   risk while simultaneously giving you the insurance coverage and protection
   you need.
   
   Because we know your industry so well, we can protect you from contractual
   liabilities through rental ticket, long- and short-term lease, and
   contract-advisory services. We work with you to ensure your agreements
   reflect the duties and standards required wherever you operate. As your
   company grows and evolves, we’re right there with you as your trusted
   insurance advisor.
   
   View Program PageAvailability in 50 States
   
   
   CRANE & RIGGING
   
   
   
   DUAL’s Crane & Rigging offering is underwritten through NBIS, a DUAL North
   America subsidiary.
   
   We don’t just offer crane and rigging insurance coverage; we offer a new way
   of thinking about your risk. Our battle-tested, risk-management focused
   approach to delivering insurance products is designed to set our
   policyholders up for success from day one.
   
   Whether we’re providing guidance on contract terms and conditions or
   educating you on the latest changes to ASME, ANSI, or OSHA standards and
   regulations, we’re focused on giving you all the tools you need to triumph in
   today’s litigious construction environment.
   
   View Program PageAvailability in 50 States
   
   
   CONCRETE PUMPING
   
   
   
   DUAL’s Concrete Pumping offering is underwritten through NBIS, a DUAL North
   America subsidiary.
   
   NBIS’s dedication to concrete pumpers goes way beyond providing you with an
   insurance policy designed to meet the real needs of the concrete pumping
   industry—we’re also steadfastly committed to arming you with the most
   innovative risk control tools and services available today. In fact, members
   of our team serve on two important committees: the ANSI B30.27 Committee and
   the American Concrete Pumping Association (ACPA) Insurance Committee.
   
   As a single-source provider of managed-risk solutions for concrete pumping,
   NBIS equips you with everything you need to manage both your liability and
   reputation. Whether you own a single concrete pumper or 100 of them, we can
   design an insurance program tailored specifically to you.
   
   View Program PageAvailability in 50 States
   
   
   COMMERCIAL AUTO
   
   
   
   DUAL’s Commercial Auto offering is underwritten through Align, a DUAL North
   America subsidiary.
   
   Align has developed a monoline commercial auto program for a broad range of
   customers who have both small and large transportation fleets.
   
    
   
   In our Commercial Auto program, we can provide underwriting solutions on an
   Admitted basis for high risk classes of business, while maintaining a
   competitive product for standard risks.
   
    
   
   Program Highlights:
   
    * Up to $1,000,000 CSL
    * New ventures eligible
    * Risk size ranges from single units to large fleets
    * Variety of classes available
    * Direct Bill with monthly, quarterly, semi-annual and annual payment plans
    * Admitted A rated paper
    * No charge for Federal or State Filings
   
   View Program PageAvailability in CA,TX
   
   
   CRISIS MANAGEMENT (PRODUCT RECALL & ACCIDENTAL CONTAMINATION)
   
   
   
   Whether accidental or otherwise, product contamination requires special
   coverage from a skilled team.
   
    
   
   Underwritten by the DUAL Crisis Management team, our Contaminated Products
   Insurance policy is designed to help manufacturers, wholesalers, retailers,
   importers, and distributors of food & beverages and other topical and
   ingestible products manage threats to their products, brands, reputation, and
   financial sustainability.
   
    
   
   Target Risks:
   
    * Snack Foods
    * Soups/Sauces/Dressings/Canned Goods
    * Confectionery Products & Baked Goods
    * Dairy Products, Produce (including growers, coops, marketers &
      distributors), Ingredients & Flavoring
    * Meat & Seafood Products
    * OTC Pharamceuticals, Nutraceuticals, and Supplements
    * Cosmetics/Personal Care/Hygiene Products
    * Beverages Including Alcoholic & Carbonated
    * Pet Food
   
   Expertly designed to protect a company’s products, brand, and financial
   strength.
   
    
   
   Manufacturers, suppliers, and supply chain partners all face high potential
   costs from the need to withdraw a product from the marketplace. Leaner supply
   chains coupled with global distribution and the rise of greater consumer
   protection regulations have all contributed to the frequency and severity of
   recalls. Meanwhile the ubiquity of sensors and IOT networks means that
   product failure can be anticipated, and the worst injuries and property
   damage avoided. A critical step to avoiding these potentially large direct
   and indirect financial losses is a dependable product recall strategy
   including insurance coverage designed to both prepare and survive such an
   event. Product recall is underwritten by DUAL’s Crisis Management team.
   
    
   
   Target Risks:
   
    * Transportation (automotive, aviation, rail, aerospace, etc.)
    * Electronics (consumer and industrial) and communications equipment
    * Brown and white goods
    * Sporting and recreational equipment
    * Toys
    * Clothing apparel and footwear
    * Furniture
    * Packaging manufacturers
   
   View Program PageAvailability in 50 States


 * DUAL NORTH AMERICA
   
   
   
   DUAL made its debut in the U.S. in 2013 with five underwriting products. By
   thoughtfully diversifying our offering, introducing dynamic new products, and
   prioritizing risk selection we have achieved sustainable growth. DUAL North
   America is now home to over 450 team members, 25 underwriting programs, and
   six operating companies. We underwrite on behalf of over 30 domestic carrier
   partners and 40 international syndicates. In 2021, DUAL acquired Align
   Financial Holdings, bringing together two groups with shared core values and
   complementary businesses to create the premier U.S. underwriting program
   administrator. Over time, what remains unchanged is our dedication to our
   people and to underwriting integrity.
   
   DUAL is at its core an underwriting organization, driven by underwriters. We
   retain top underwriting talent across the nation who are experts in their
   product and driven to deliver results. Our entrepreneurial culture allows
   underwriting teams to provide comprehensive and innovative solutions to match
   the complex needs of today’s market with the support of a strategically
   developed infrastructure. Our teams leverage industry-leading analytics and
   technology to make proactive data-driven business decisions efficiently.
   
   Whether you are a broker or a carrier partner, we are here to help you do
   more.
   
   


 * NEWS RELEASES


 * APPLICATIONS AND INFORMATIONAL PDFS
   
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