Faculty NameDavid Dybdahl
David Dybdahl is the founder and president of American Risk Management Resources Network, LLC. He specializes in environmental risk management and insurance serving as an independent wholesale insurance broker, technical resource, risk management consultant and expert witness.
He has served as an expert witness in over $1,900,000,000 of disputed environmental insurance claims. His past consulting clients include the US EPA, US Justice Department, the Army Corps of Engineers, The US Department of Energy and the World Bank in London.
He has authored material on environmental risks and insurance in over thirty insurance text books including the CPCU Liability chapter on environmental insurance and the Associate in ARM text on controlling environmental losses. He is a member of the consensus drafting committees of the IICRC S500 and S520 professional standards for water and mold remediation.
He has both bachelors and master's degrees in risk management and Insurance and an MBA in Finance from the University of Wisconsin-Madison. He holds the Chartered Property and Casualty Underwriter and the Associate in Risk Management professional designations.
Faculty NameBettye Hutchison
Bettye Hutchison is President of Central Insurance Services, Inc. in Adelphi, Maryland, and former Vice President of Truckwriters of Colorado, Inc. in Lakewood, Colorado. After long years of "commuting" across the country on a regular basis, Bettye is taking a break from her ownership and leadership roles in the agency business and will focus on teaching and consulting. Bettye has a long list of accomplishments and contributions to The National Alliance and to the state associations for which she instructs. Bettye has served on the Board of Governors for the Society of CISR, as well as the Board of Governors for the Society of CIC. She is a member of Insurance Agents & Brokers of Pennsylvania, Maryland and Delaware and has been a long-standing instructor for the association.
Bettye is a National Faculty member for the Society of CIC, teaching at CISR courses, William T. Hold Seminars, CIC institutes, Ruble Seminars, and CRM courses. She is an instructor for other risk management and insurance associations and companies. She has written several articles and develops educational material on Insurance and Risk Management. Rough Notes magazine has featured Bettye in their marketing agency of the month and awarded her the "Marketing Agency of the Year." Accomplishments and contributions like these have earned her a place as a Charter Member of the "Distinguished Faculty" of The National Alliance for Insurance Education & Research.
Faculty NameAllen Messer
Allen Messer began his insurance career in March of 1971. He has worked for several different insurance companies in various capacities and has been involved in the independent agency system as a producer and agency owner.
Allen currently consults agencies, companies, risk managers, and attorneys as well as instructs various seminars and live webinars. He earned his CPCU designation in 1981 where he received the Distinguished Graduate Award for attaining the highest academic average in the Nation. He earned his CIC designation in 1977 and serves as an Educational Consultant and is a National Faculty member of The National Alliance for Insurance Education & Research.