Meet Our Exceptionally Qualified Team

Meet The Team Members

Discover the expertise and experience of our award-winning team at ARMR Brokerage, specializing in environmental insurance brokering.

Chief Executive Officer

David Dybdahl, MBA, CIC, CPCU, ARM

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

line.

  • 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 customs 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
  • READ COMPLETE CV HERE

President

Kari Dybdahl, MBA

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 years, 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 assist 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.

Executive Vice President

Nick Kohal

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.

He has been recognized by Business Insurance as Hot 100 (2022), Top Specialist Brokers (2022), Top Insurance Brokers and Agents (2023), Top Specialist Wholesale Insurance Brokers (2024).

Environmental Insurance Producer

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.

Environmental Insurance Producer

Nick Oliver

Nick joined ARMR in 2021 while earning his B.S. in Finance and Economics. He joined the Mitigation and Conservation team full-time in 2022 as the program manager. Working directly with ARMR’s CEO David Dybdahl developing these programs through client relations, marketing initiatives, research, and collaborating on presentations at several conferences.

CALL US! Where Experience Meets Expertise With Our 25 Person Team!