Unclaimed brand
DUAL North America is one of the largest independent underwriting organizations in the U.S., with more than 20 specialized products across commercial property, casualty, financial lines, and surety. With locations nationwide, 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. 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. By creating an environment that empowers our people to do what they’re best at, we can be more agile, responding to our partners’ needs and helping them do more, wherever they work with us. We imaginatively connect risk to capital, leading us to work with many highly rated insurance and reinsurance companies, several of which have partnered with us for decades. As much as we’ve grown in size, we’ve grown even more in expertise. 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.
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#8D741E
Kumera
141, 116, 30
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Harvest Gold
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Green Vogue
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DUAL North America is a specialist underwriting business and part of DUAL, the global underwriting operation within Howden Group Holdings. Formerly known as Catalytic Risk, the company joined the DUAL North America group in October 2021 and adopted the unified DUAL North America name in February 2025. DUAL entered the U.S. in 2013 with five underwriting products and has since grown its portfolio to more than 40 underwriting products, with an emphasis on thoughtful diversification and risk selection.
Its offerings span casualty, commercial property, financial lines, personal property, and surety. Coverage options include construction, energy casualty, environmental, workers compensation, builders risk, flood, cyber, professional liability, transactional risk, homeowners, and commercial and contract surety. The company also provides claims support, online quoting, and a document library, and works with brokers and carriers. DUAL is part of a global business operating in 21 countries, offering more than 70 products and services and partnering with over 11,000 brokers and agents worldwide.
