# DUAL North America > Specialty underwriting MGA offering 40\+ insurance programs across commercial, professional, and financial lines\. ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | San Diego, California | | Stage | Established | | Employees | 201-500 | ## Overview DUAL North America is a specialty lines MGA distributing commercial property, casualty, professional liability, financial lines, surety, environmental, energy, and marine products through wholesale and retail brokers across the United States. The company operates as a wholly owned subsidiary of Howden Group Holdings, a global insurance brokerage and underwriting organization with operations in 57 territories. The company underwrites more than 40 specialty product lines backed by over 30 domestic carrier partners and more than 40 international syndicates. DUAL North America consolidated several previously separate subsidiaries -- including Nation's Builders Insurance Services (NBIS), Align General Insurance Agency, Catalytic Risk Managers, NALICO General, and EIURS -- under a single brand identity during a 2024-2025 rebrand initiative. DUAL North America transacted USD 1.3 billion in gross written premium in 2024. The company operates 14 offices across North America and works with more than 11,000 brokers and agents worldwide through its parent group's global network. ## Products & services ### Cyber Liability DUAL Cyber offers first- and third-party cyber liability solutions for small to mid-sized businesses. The program uses a digital platform for quotes, policy issuance, and real-time updates. A partnership with CyberClan provides proactive security posture monitoring and cyber risk insights for policyholders. **Key features:** - First\-party and third\-party cyber liability - Proactive security posture monitoring via CyberClan partnership - Automated quoting and policy issuance *Target users:* Small to mid\-sized businesses *Distribution:* Wholesale and retail brokers ### Professional Liability Coverage for errors and omissions (E&O), directors and officers (D&O), fiduciary liability, and employment practices liability (EPLI). **Key features:** - Errors & Omissions \(E&O\) - Directors & Officers \(D&O\) - Employment Practices Liability \(EPLI\) - Fiduciary Liability *Target users:* Professional services firms, corporations, financial institutions *Distribution:* Wholesale and retail brokers ### Contractors Liability and Surety Surety bond programs for contractors and construction-related businesses. **Key features:** - Single\-bond limits up to USD 150 million - Aggregate per\-principal limits up to USD 300 million - Capacity expansion completed in 2024 \(increased from USD 100M single\-bond / USD 200M aggregate\) *Target users:* Contractors, construction companies *Distribution:* Wholesale brokers; capacity backed by AXIS ### Flood Insurance Flood insurance products distributed through broker channels, with dedicated leadership added in April 2025. *Target users:* Commercial and personal lines policyholders in flood\-prone areas *Distribution:* Wholesale and retail brokers ### Personal Lines \-\- Manufactured Homes Coverage for manufactured homes and dwelling fire through a partnership with Homebound Insurance Exchange, a Texas-based reciprocal insurance organization. *Target users:* Manufactured home and dwelling fire policyholders in Texas and surrounding states *Distribution:* Retail agents and brokers via Homebound Insurance Exchange ### Additional Specialty Lines DUAL North America also underwrites: Environmental Liability, Energy (upstream and downstream), Marine and Ocean Cargo, Transactional Risk (representations and warranties), and Commercial Property. *Distribution:* Wholesale and retail brokers ## Links - Website: - Directory profile: - Careers: - Linkedin: - News & media: - Dual group \(parent\): - Howden group holdings: --- *Last updated: 2026\-05\-16*