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DUAL North America is a prominent independent underwriting organization based in the United States, part of the global DUAL Group. Established in 2013, it has become a leading program administrator in the insurance sector. The company operates under the Howden-owned DUAL Group, which is recognized as one of the largest managing general agents worldwide, with a presence in 21 countries and over $3.5 billion in gross written premium. The company specializes in expert underwriting solutions across various insurance lines, including commercial property, casualty, financial lines, and surety. DUAL North America offers more than 40 unique products tailored to meet diverse client needs. It also features a robust online platform that enables appointed producers to quote, bind policies, and manage documents digitally. With a network of over 11,000 brokers globally, DUAL North America serves a wide range of clients, from small businesses to large fleets, particularly in regions like California and Texas.
Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups. As a member-owned, not-for-profit cooperative, we exist solely to bring our membership innovative products and services with low loan rates, competitive dividend rates, and low or no fees. Benefits of membership include free checking, a variety of loan and deposit products, mobile services, financial education and counseling, access to thousands of surcharge-free ATMs, discounts on insurance products, and much more. Our top priority is our members financial success. Members are our shareholders and each member has one vote. In addition, we are governed by a volunteer board of directors who look out for the best interest of members, not stockholders.
Selena Group is a leading global manufacturer of construction chemicals and polyurethane foam, established in 1992 and based in Wrocław, Poland. The company operates in 18–19 countries with around 1,800–2,000 employees and has 30–35 subsidiaries, including manufacturing facilities in Poland, South Korea, China, Romania, Turkey, Spain, Kazakhstan, and Italy. Selena Group is recognized as one of the top four manufacturers of assembly foam and a significant distributor of construction chemicals. Its product range includes high-yield polyurethane foams, sealants, adhesives, waterproofing systems, and thermal insulation solutions. The company operates through four specialized divisions: Interior & Decorations, Windows & Doors, Waterproofing, and Walls, Facades & Chemical Constructions. Selena serves 100 markets worldwide, focusing on professional contractors, industrial users, and home builders, while emphasizing sustainability and innovation in its offerings.