About DUAL North America

Helping you do more

DUAL is a different kind of underwriting business - and has been since day one. We’ve built our business on the idea that when industry expertise, intelligent underwriting and an entrepreneurial mindset come together, insurance can help our partners thrive. 

Today that philosophy is as relevant as ever. Our broker and carrier partners across the country rely on our underwriting teams to take initiative, lean into the challenges of an increasingly complex world, and respond to our clients’ emerging needs. 

Exceptional underwriting, built on an entrepreneurial spirit

At DUAL’s core is our spirit of independence and integrity. We’ve grown into one of the country’s largest independent underwriting organizations by creating an environment that empowers our people to do what they’re best at.  

It means we can be more agile, responding to our partners’ needs and helping them do more, wherever they work with us.

Working with world-leading carrier partners 

By imaginatively connecting risk to capital, we work with many highly rated insurance and reinsurance companies, several of which have partnered with us for decades.  

Together with a relentless focus on high-quality underwriting, our long-term relationships with carriers have helped us grow from a single office in Madrid into a multinational business in 21 countries.

A vision to be the world’s best underwriting business 

As much as we’ve grown in size, we’ve grown even more in expertise. Originally writing only five lines of business, today we provide more than 45 insurance products, underwriting for businesses with unique goals and diverse needs nationwide.   

And we’ll keep expanding and innovating to address the emerging needs of our partners, our broker network and their clients. That entrepreneurial drive is fundamental to who we are and underpins our vision to be the world’s best underwriting business.  

$1.3 Billion

2024 written premium

30+

Carrier partners

40+

underwriting products

10

U.S. office locations

Wave crashing on beach

Backed by one of the largest insurance groups in the world 

DUAL North America is part of DUAL Group, one of the world's largest international MGA's.

DUAL is part of Howden. With 18,000 people across 55 territories and employee ownership at its core, Howden has grown to be a major player in the global insurance industry.