It all began in 2012 with four friends sitting around a barroom table asking a simple question, “What if?" Tired of the bureaucracy which plagues carriers, and the silos created preventing any horizontal growth, they dared to ask, "What if we started our own MGU?"
They imagined and dreamed of having the ability to offer the products and services they desired. To grow their business in a manner that allowed for vertical and horizontal growth, positioning themselves as the market leader. Their goal was to change the current paradigm of how commercial insurance was offered, transacted, and written. That entrepreneurial spirit is the foundation of EIURS. In time they grew and partnered with the best carrier partners. While growth has been steady, EIURS has never lost their culture of hard work, independence, and respect. See more about EIURS' growth story here.
EIURS has never backed down from a challenge, and is here to help you do more in every interaction.
EIURS is a member of the DUAL North America, Inc. group of companies. DUAL North America is one of the largest independent underwriting organizations in the United States and is dedicated to providing underwriting excellence to broker and carrier partners. With 25+ programs across Casualty, Commercial Property, Financial, and Personal Property products underwritten through several specialized subsidiaries, DUAL offers one of the most diverse selections of specialty insurance products. Learn more at www.dualna.com.
Click a photo to read our bios or view our team structure here.
Mr. McDougall is the Founder and President of Energy, Industrial & Utilities Risk Solution, LLC (EIURS), a subsidiary of DUAL North America. In his current role, Mr. McDougall is responsible for the “day-to-day” operation and profitability of EIURS and its growth in a dynamic market. Since their first binder (June 2015), EIURS has written in excess of $300M with an Earned Loss Ratio of <30% (December 2021). In addition to his duties at EIURS, Mr. McDougall is also on the DUAL North America Group Executive Committee (GEC) where he is responsible for the development and growth strategy and profitability of DUAL NA. He has spent the last 27 years in the insurance industry with increasing responsibilities.
Prior to creating EIURS, Mr. McDougall:
His pre-insurance career consists of seven years in the Energy and Environmental arenas. The tasks ranged from drilling/logging wells, working as a refinery contractor, overseeing construction at Department of Energy facilities to designing and troubleshooting remediation systems at some of the larger superfund sites in the northeast as well as for the petroleum industry.
Scott received his BA in Geology from Fairleigh Dickinson University in Madison, NJ and his MBA from Eastern College in Radnor, PA. Scott is a licensed USGC Master of Steam / Motor Vessel up to 100 Gross Tons.
Elliot is an Assistant Vice President and founding partner at EIURS and leads our Workers Compensation program. He helped launch our Inland Marine program and is knowledgeable on all of our products.
He graduated from Temple University with a degree in Risk Management and Insurance. To complement his studies, he also held an internship with Arthur J. Gallagher of Manhattan in Property, Marine, and Entertainment business segments.
Elliot has 15 years of insurance industry experience starting with a role at All Risks as a brokerage-underwriter utilizing both contract binding authority as well as brokerage markets to meet his client’s needs. He also attended the respected All Risks University training program and received formal classroom training that helped prepare him for his job duties and for his career beyond All Risks. From there he shifted to the carrier side joining AIG’s executive liability team where he underwrote package Executive Liability business and managed relationships with large national brokerage firms. Most recently, prior to being a part of the formation of EIURS with the other founding members, he underwrote Energy Liability coverages for Catlin Specialty.
Joe Kulak is a founding member and Vice President of Energy for EIURS. Prior to EIURS, Joe was a Senior Underwriter in the Energy Group at Catlin joining the group from Catlin’s Environmental Group in July 2011. He joined Catlin in 2009 as part of the original Catlin Environmental Group responsible for all product, marketing and underwriting development aspects of Catlin US’s environmental insurance capabilities. Between 2001 and 2009 Joe was an insurance broker helping to first establish IMA’s Environmental Practice then establishing HRH’s National Environmental Practice. As Managing Director of the Environmental Practice at HRH his responsibilities included the internal and external marketing of products and services to clients and prospects encompassing all industry segments. Commencing 1993 to 2001, Joe was an environmental insurance underwriter at ECS then seven years at AIG Environmental. During this time Joe was involved in all aspects of establishing platforms in Denver, Co and London, England. Prior to insurance Joe was a hydrogeologist for Handex. Joe’s career has spanned thirty years in the environmental and insurance industries. He holds a B.S. degree in Geology from the Pennsylvania State University.
Lorne is the Executive Vice President of EIURS, before that he was Assistant Director of Energy Lines for Catlin US. Lorne worked in the Energy Casualty unit of Starr Indemnity as a production underwriter and assisting Mr. McDougall in forms filings and establishing the complex rater. As a production underwriter, Lorne achieved a very profitable GWP of $7,000,000 in less than six months.
Prior to Starr, Lorne spent seven years at American Safety Insurance (ASI). At ASI Lorne started the middle market Environmental Unit. His responsibilities included forms development as well as developing and implementing the underwriting and marketing strategy for the Eastern Region. Prior to ASI, Lorne co-founded the Environmental Unit for Royal Surplus Lines.
Lorne’s career has spanned twenty four years in the insurance industry, with 20 of those years spent underwriting Pollution and Casualty coverage. Lorne holds a BS degree in Natural Sciences from the Indiana University of Pennsylvania.
Gail Sorenson is Vice President of Marine for EIURS. She has spent the last 24 years in the marine insurance industry with most of her experience underwriting Marine Liabilities. Prior to joining EIURS, she was Assistant Vice President of Marine Liabilities & Hull for Liberty Mutual Insurance Company in New York. Her responsibilities at Liberty Mutual were managing the New York Region Marine Liabilities & Hull book of business and working directly with the regional brokers. Her responsibilities also included cultivating new broker relationships and training the junior underwriters. She was also a Marine Underwriter at ACE and AIG managing their Marine Liabilities portfolio. Prior to her insurance career, she worked in New York Harbor on various vessels in the capacity of Master and deckhand. Gail received her Bachelor of Science degree in Meteorology & Oceanography from SUNY Maritime College. She also holds an Inland’s Master’s License and Third Mate’s Unlimited Ocean License.
Michael DiRocco is the Assistant Vice President at EIURS located in Philadelphia, PA. Prior to joining EIURS, Michael worked in the Regulatory Compliance Department at XL Catlin managing the Product Management and Underwriting Support Team. Prior to XL’s purchase of Catlin, Michael was the Manager of Regulatory Compliance for the US Region. Over the past six years, Michael worked on developing, enhancing and filing products with the various insurance departments. Michael was also responsible for developing relationships with the various Insurance Department Representatives, as well as general compliance and regulatory processes. Michael also built strong relationships with the Underwriting leadership and assisted business units in developing and implementing their products for entry into the market efficiently and quickly. Michael has a strong knowledge of General Liability, Professional, Automobile and Workers Compensation lines of business.
Prior to XL Catlin, Michael worked for XL Insurance for 10 years in various Regulatory Compliance and Operational roles. Michael, started his insurance career at Reliance Insurance Company in Philadelphia, working in the Stat & Data and Government Relations Departments. Michael holds a bachelor’s degree from Temple University’s and is a graduate of Temple’s Risk Management & Insurance Program.
Peter Hook is the Assistant Vice President of the London Energy Program for EIURS. He has spent the last 10 years in the insurance industry with increasing responsibilities. Most recently he was at RLI Corp. where he was the Senior Underwriter for energy lines throughout the United States. His responsibilities at RLI spanned the spectrum from authoring forms, maintaining a profitable book of business and working directly with wholesale brokers. Prior to RLI Pete developed his own energy program from the ground up that included the creation of the forms, filings, rating system and creating and maintaining wholesale relationships. Pete received his bachelor of science in Environmental Studies from the University of Vermont and his Master of Environmental Studies with a focus on traditional and renewable energy from University of Pennsylvania.
Greg Lyons has worked as a Senior Underwriter with Dual Commercial for the past six years underwriting Property and General Liability package business. Prior to that, he was broker for various top wholesale companies, with experience placing both large E&S property / casualty accounts and binding authority package accounts. A graduate of Florida State University, with a degree in Risk Management Insurance, Greg brings a wide array of experience to the team. He has worked on the retail agent side of the business early in his career and has insurance experience from the agent, brokerage, and underwriting side of the business.
Jake Gibbons is a Senior Underwriter at EIURS located in Philadelphia, PA. Prior to joining EIURS, Jake had a 6-month long internship as an Underwriting Assistant for one of the niche insurance programs at NSM Insurance Group, where he supported underwriters during the analysis of an account and the calculation of premiums. Jake is a graduate of Temple University’s Risk Management and Insurance Program, with a focus in Property and Casualty Insurance. At Temple, Jake was a member of the Gamma Iota Sigma Professional Risk Management, Insurance and Actuarial Science Fraternity for two years and was also an All-Conference player on the Men’s Rugby team.
Ryan Hoffman is an underwriter for EIURS in Philadelphia. Ryan has over twenty years of experience in the insurance industry and carries a producer and surplus lines license in PA . Prior to EIURS, Ryan spent three and a half years with Swett & Crawford, a wholesale broker in Jenkintown, PA. He worked on a team that specialized in casualty & professional business. Prior to Swett, Ryan worked for Lexington Insurance Company, a part of AIG. Ryan worked in the Philadelphia Region. Ryan worked at Lex for eight years. As a property underwriter, Ryan primarily wrote Class 1 Railroad and Public Entity Lines of business. In his final year at Lexington, Ryan achieved a gwp of $35,000,000. Prior to underwriting at Lexington, Ryan worked at Lexington on the property support team, issuing policies, invoices and endorsements. Prior to entering the commercial insurance industry, Ryan spent two years as an insurance producer for American Automobile Association (AAA) and four years at AIG Marketing. At AAA & AIGM, Ryan handled personal lines of insurance. Ryan maintains an active Producer License and Surplus Lines License in PA. Ryan holds a Bachelor of Science Degree in Consumer Affairs from Indiana University of Pennsylvania (IUP).
Rebecca Wagner is the Operations Manager and an Underwriter at EIURS. Rebecca works in the Naples, Florida office and has been with DUAL since 2013. Prior to joining EIURS, Rebecca was part of DUAL’s flood team for two years with a focus on the online platform; including underwriting, maintaining guidelines, updating and testing of the platform. She has well over a decade of experience in the insurance industry including operations, marketing, underwriting and testing. She has worked directly with both wholesale and retail brokers. Rebecca attended Edgehill University in Ormskirk England and is a graduate of Drew University in Madison, NJ. Rebecca received her associate of the arts in Sociology and B.A. in Psychology.
Matthew Sullivan is an Underwriter at EIURS located in Philadelphia, PA. Prior to joining EIURS, Matthew participated in a 4 month program as an Operational Risk Management Intern at a New Jersey based mutual insurance company, Farmers of Salem, where he assisted and collaborated with the companies underwriting, product development and claim assistance departments. Matthew is a graduate of Temple University’s Risk Management and Insurance Program, with a focus in Property and Casualty Insurance. During Matthew’s 4 years at Temple, he was a member of the university’s Insurance and Actuarial Science Fraternity, Gamma Iota Sigma, and competed on the Men’s Division I Soccer team.
Mark Gardyasz is an Underwriter at EIURS located in Philadelphia, PA. Prior to joining EIURS in January of 2020, Mark worked as an Intern at The ALS Group in Edison, NJ. During his time at ALS, Mark assisted the construction consulting team with various projects. These included designing an insurance application for potential new clients, reviewing contracts, and identifying exposures for clients involved in new construction projects. Mark graduated from Temple University’s Risk Management and Insurance Program with a focus in Property and Casualty Insurance. Mark also graduated with a minor in Finance. At Temple, Mark was a member of the Gamma Iota Sigma Professional Risk Management Fraternity for several years and was involved in the Property & Casualty Committee.
James Villani is an Underwriter at EIURS in Philadelphia, PA. He graduated from Temple University in May 2020 with a degree in Risk Management and Insurance. While at Temple, James was a member of Gamma Iota Sigma – a professional Risk Management, Insurance, and Actuarial Fraternity. Prior to joining EIURS, James was a part of NSM Insurance Group’s Summer Internship Program for three months during the Summer of 2019. While in this role he supported underwriters while in a niche program within the company.
Shannon McDonough is an Underwriter at EIURS located in Philadelphia, PA. Prior to joining EIURS in July of 2021, Shannon spent two summers as an intern at Northeast Insurance and Financial Consultants (NIFC), an independent agency in Scranton, PA. Shannon graduated from Temple University’s Risk Management and Insurance Program with a focus in Property and Casualty Insurance. While at Temple, Shannon was a member of the Gamma Iota Sigma Professional Risk Management Fraternity in addition to the Property and Casualty Career Development Committee.
Will Messler is an Underwriter at EIURS. Prior to joining EIURS, will interned seven months at Apogee Insurance Group, an insurance wholesaler in Wayne, Pennsylvania, where he aided brokers in the day-to-day operations associated with the E&S marketplace.
Will is a graduate of Temple University’s Risk Management and Insurance Program, where he also earned minors in Finance & German. As a student, Will was recognized as a member with Academic Distinction within the Gamma Iota Sigma Professional Risk Management Fraternity and held membership within the Temple University German Society.
Jessica Donovan is an Underwriter for the EIURS team located out of DUAL’s office in Naples, FL. Jess has been with DUAL for six years, starting out as an underwriting assistant in the contractors middle market unit and growing into a habitational underwriter in the last 5 years focusing on property and liability. She has held a multifaceted position while underwriting habitational with other responsibilities including carrier program creation and implementation as well as ISO compliance management for admitted and non-admitted markets. She graduated from Arizona State University with a bachelor of science in non verbal communication and a bachelor of science in business management. She prides herself most on her athletic career at ASU where she was a SunDevil softball player, winning a National Championship in 2011.
Madeline Keown is an Underwriter at EIURS located in Philadelphia, PA. Maddi graduated from Temple University’s Risk Management and Insurance Program with a Property and Casualty track. Maddi was a member of the Gamma Iota Sigma Professional Risk Management and Insurance Fraternity for three years and played on Temple University Women’s Volleyball Club team.
Campbell Manin is an Underwriter at EIURS located in Philadelphia, PA. Prior to joining EIURS in June 2022, Campbell worked as an intern in the property claims department for Utica National Insurance Company and assisted the claims team through different projects which included creating new expense schedules for clients, settling claims under senior adjusters’ supervision, and implementing a new program to expedite the claims process.
Campbell graduated from Temple University’s Risk Management and Insurance Program with a focus in Property and Casualty Insurance, and a minor in Legal studies. At Temple, Campbell was a member of the Gamma Iota Sigma Professional Risk Management Fraternity for several years and was involved in the Property & Casualty Committee.
Noah Fedak is an Underwriter at EIURS in Philadelphia, PA. Before joining EIURS, Noah worked as an Underwriter for Philadelphia Insurance Companies in the Sport & Recreation Department writing package business. This included working mainly with retail agents and providing coverage for General Liability, Professional Liability, Property, Crime, and Auto lines of business. Noah is a graduate of Temple University with a major in Risk Management & Insurance, and a focus in Property and Casualty Insurance. At Temple, Noah was a member of the Gamma Iota Sigma Professional Risk Management Fraternity. He also held two summer internships with Admiral Insurance Company and The INS Companies.
April is a Senior Underwriting Assistant (and “Super User”) at EIURS. She has over 40 years’ experience in many functional roles all with increasing experience. In her current role, April oversees other assistants and is the QA/QC prior to policies being issued. Additionally, see monitors the underwriters on their timeliness of subjectivities and NOCs. She liaises with DUAL NA’s Functional Groups as needed to ensure EIURS’ standards are achieved, and efficiencies continue to improve. Prior to EIURS, April worked at Catlin, RSUI and American Safety.
Danielle has been an Underwriting Assistant at EIURS in Philadelphia for four years. She is responsible for the processing and overseeing the processing of a team of 5 underwriters. Danielle liaises between various Functional Groups to ensure compliance is achieved and that their supporting processes are operating efficiently and to the betterment of EIURS. Prior to EIURS, she worked for 10 years in the senior living / hospitality sector. While in college, she worked part-time for insurance companies in various functional roles. Danielle is a 2014 graduate of Stockton University with a B.A in Political Science.
Isell Garcia is an Underwriting Assistant and has been with the company since 2017. Prior to this role, Isell started on the service team and then moved up as Underwriter Assistant for the Small Contractors Department and then joined EIURS in 2020. She has experience with the broker side in the early 2000s and in the retail side from 2007 to 2017, from technical assistant to account service associate and my final role as underwriting specialist.