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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.
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Intact Public Entities is a leader in providing specialized insurance programs, including risk management and claims services to municipal, public administration and community service organizations across Canada. Proven industry knowledge, gained through over nine decades of partnering with insurance companies and independent brokers, gives Intact Public Entities the ability to effectively manage the necessary risk, advisory and claims services for both standard and complex issues. Our history dates back to 1927 with our first municipal client - the Village of Ayr, Ontario. From then, other municipalities came calling and the company established the strong foundation and sterling reputation that continues today. Interestingly, our product offering was expanded beyond municipal business based on reputation. Other municipal-related organizations started to be asked to be placed with us because of our knowledge in the specialty insurance space. The trend continued and it became common for the municipality, hospital, Childrens Aid Society and conservation authority to all be placed wtih Intact Public Entities. Intact Public Entities is a Managing General Agent (MGA) with the authority to write and service business on behalf of strategic partners who share our commitment and dedication to protecting specialized organizations. Because our partners are long-term participants on our program, they understand the nature of fluctuating market conditions and complex claims and are prepared to stay the course. Intact Public Entities is a wholly owned subsidiary of Intact Financial Corporation.
Athol Savings Bank is a mutual savings bank based in Athol, Massachusetts. Our goal is to be the financial foundation in our community; working harder, reaching higher, and delivering strength, stability, and security to our customers. As we move forward, Athol Savings Bank is committed to being "A Solutions Bank" for our customers and the communities we serve. Member FDIC. Equal Housing Lender. Member DIF.