Learn More About Our Exceptionally Qualified Team

David Dybdahl, CPCU, ARM, MBA, CIC

President ARMR Specialty Holdings
| pioneer in the development and sale of environmental insurance products
David J. Dybdahl Jr. is a true pioneer in the development and sale of environmental insurance products.
After guiding Johns Manville through bankruptcy due to developing asbestos products liability claims in
1981, he has been an insurance broker and consultant specializing in the environmental insurance product
  • Placed tens of thousands of various environmental insurance policies
  • Developed Contractors Pollution Liability insurance policy in 1987
  • Successfully placed insurance on Chernobyl
  • Developed the first successful environmental insurance practice group
  • Was responsible for 42 environmental specialty insurance brokers producing $100,000,000 in
  • environmental insurance premiums by the late 90’s
  • Active insurance educator, co-author of the Chartered Property and Casualty Underwriter
  • professional designation
  • Environmental insurance expert witness and litigation support services for over 15 years
  • Served as a consultant in over $1,700,000,000 of disputed environmental insurance claims
  • In-depth knowledge on custom and practice in the environmental insurance industry with 35 years
  • of experience
  • Was the insurance consultant for the U.S. Army Corps of Engineers
  • Expert with first-hand experience, both as a seller and buyer, on environmental insurance

Kari Dybdahl

President| ARMR Brokerage

Kari Dybdahl started at American Risk Management Resources Network, LLC when she was 19 while going to school full time graduating high honors with a bachelor’s in business administration. She assisted in the placement of environmental insurance for the cleaning and restoration industry, where she learned how to negotiate and design insurance placements. At 20 years old she attended her first industry convention and thrived. Each year after she grew her client base consecutively over 200% earning her the award of top 3rd insurance broker in America by Insurance Business America at the age of 26. By 27 Kari accepted the positions of Director of Operations and Executive Vice President. Over the year’s Kari has continued to advance and challenge herself, while keeping her true passion of designing comprehensive insurance programs. Kari currently leads the largest production team at ARMR. Network and assists with the day-to-day operations of the brokerage firm while getting her master’s in business.

Kari has been recognized as Elite Women in Insurance, Young Gun in Insurance (exceptional insurance professionals under 35), Top Producers, and Hot 100 awards through Insurance Business America.


Brad Maurer, CPCU, J.D.

Environmental Insurance Consultant
Brad Maurer is another pioneer in the environmental insurance industry. After his role as a project
environmental scientist for Black & Veatch performing Superfund site investigations under contract with
USEPA Region 3, he joined one of the first groups of environmental underwriters at ECS Underwriting
(now XL/Caitlin). At that time, there were only rudimentary policies with first-party and third-party
insurance contained on separate policy forms.
Started in the environmental risk management business in 1991
  • Managing Underwriter at ECS/XL and founding Underwriting Director at Kemper. Managed underwriting units for the issuance of pollution legal liability, Cost Cap insurance, and lenders environmental liability policies
  • In-house product development counsel involved in drafting environmental insurance policies. Co-author of combined first party/third party pollution legal liability forms, lenders liability policy and remediation stop loss forms
  • In house counsel for a $50MM environmental services firm
  • Principal/Executive in developing Brownfield properties where EIL and Cost Cap policies were utilized. Purchased, remediated and sold brownfield properties in NJ, NY, MA and PA
  • Principal/Executive in Guaranteed Fixed Price Remediation (GFPR) entity TerraSure. Marketed, negotiated, and executed 15 GFPR contracts in CA, FL, PA, NJ, NY, RI, MA, and IA. Was a corporate risk manager with the development of subcontracts and environmental insurance including Cost Cap
  • Senior Vice President and leader of national environmental insurance brokerage operations with thousands of policies placed over twelve year

Mike Klima, J.D.

In house Council

Michael Klima has 16 years of experience within the insurance underwriting and insurance law fields with a focus on environmental insurance. Over his career, he has worked for various companies including AmWins, RPS, Ace (now Chubb), AIG, and Rockhill. He obtained his J.D. from Kent College of Law, with certificates in environmental law and international law. He is a licensed attorney in Illinois. Over his career, he has developed numerous new policy forms and has helped negotiate several claim settlements. He also has an undergraduate degree in Risk Management & Insurance from Illinois Wesleyan University.

Nick KohAl

VP of Sales

Nick joined American Risk Management Resources after 5 years in the personal lines market. He started as an Account Executive on Kari Dybdahl’s production team. Nick’s primary focus is Environmental Impairment Liability and the ARMR HPR Program. He helps ensure property owners, managers and developers have the proper environmental coverages in place to help minimize their environmental and pollution liability. Nick is a graduate from the University of Wisconsin – Platteville with degrees in Criminal Justice and Political Science/Pre-Law and is the chairman of the Madison Ducks Unlimited Committee.

Lori Waters


Lori Waters started her career with American Risk Management Resource in October 2010 as an Account Manager.  Within 2 years she became a full-time Environmental Producer and has helped her agents build their knowledge of Environmental Insurance.  Prior to joining American Risk Management, she was a successful residential home builder.  Her knowledge of the construction industry makes her uniquely qualified to understand the risks contractors face with their daily operations.  

Jayden Johnson

Producer, CIC, ARM, AINS

Jayden found American Risk Management Resources Network, LLC through his sustainable business minor at the University of Wisconsin-La Crosse. He has been specializing in environmental insurance since 2015. During this time, he managed ARMR Network’s entire franchise book of business. Currently, he has his own production team primarily focusing on fire/water restoration contractors, underground storage tanks, and construction. His passion is to educate insurance professionals on how pollution and fungi/bacteria exclusions affect their clients.