Who We Are

Expert underwriting. It's what we do.

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 575 team members, 45+ 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.

2023 written premium
team members
carrier partners
underwriting products
U.S. office locations
operating companies

Industry leading data and technology

Unmatched critical risk selection

Effective and consistent service to our partners

Local experts, global network

DUAL Group
DUAL North America is part of the DUAL Group, the underwriting arm of Howden Group Holdings. The DUAL Group is home to over 1,400 team members who wrote over $3.2bn in premium in 2023 across 70+ products in 21 countries.


Howden Group
DUAL is the underwriting arm of Howden Group Holdings, an international insurance intermediary founded in 1994. Howden is comprised of two key operating platforms, DUAL and Howden Broking.

In 2022, Howden transacted over $38bn in premium across 50 countries and 13,000 employees.


DUAL global premium


Howden premium


global countries