About Us

Jim Smith

Jim Smith

Chairman of the Board

Jim has over 26 years of experience in the insurance industry. In 1985, he founded SouthwestRe, Inc., where he began developing insurance profit-sharing strategies, primarily through insurance and reinsurance programs to insurance producers. These strategies initially included limited-capitalization reinsurance companies, but have grown to include fully-capitalized insurance companies and sophisticated alternative insurance structures. These programs now incorporate over 3,000 producers nationwide, resulting in the formation and management of over 1,000 producer-owned companies. Jim has a BA in Accounting, and has served in a financial and management capacity most of his career. Jim also served on several reinsurance and captive insurance task forces on both regulatory (Consumer Credit Industry Association (CCIA) Producer-owned Task Force) and tax issues (IRS Notice 2002-70, since amended). He continues to be a frequent speaker to the accounting and insurance industries. In his free time, you may find Jim enjoying a good book, watching his favorite sports team, and surfing the Internet. He splits his time traveling between Albuquerque and Dallas.

Jim Smith

Kristen Gruber


With a well-deserved reputation for professionalism, high ethical standards and personal likeability, Kristen has over 20 years of experience in our industry. Prior to joining DAC, Kristen spent 13 years with Great American Insurance Company in various Underwriting and Product Management roles, managing dealer aftermarket and risk management products, including excess wear and tear, vehicle service contracts, product warranties and finance reserve insurance. In addition, she has nine years of product development experience on the administrator/broker side of our business. Kristen completed her Chartered Property Casualty Underwriter (CPCU) designation and earned a business degree from St. Mary's College in South Bend, Indiana, and an MBA from Thomas More College in Crestview Hills, Kentucky. When not working, she is known to spend time curled up with a good book and her two hound dogs. She splits her time between Cincinnati, Columbus and Dallas.

Jim Smith

David Levine


David brings a diverse business and legal background to DAC, having practiced business and finance law since 1978. He has a broad base of knowledge and experience in the insurance industry as a whole and DAC’s business in particular. Prior to joining DAC, David worked for over 15 years with Great American Insurance Company in Cincinnati. At Great American, David was responsible for the oversight of their dealer services division, which sold a variety of motor vehicle dealer products as well as product warranties for brown and white goods.  He also handled a variety of contractual matters at Great American, including reinsurance transactions, acquisitions and divestitures.  Earlier in his career, David worked in the banking and finance industry as in-house counsel to Fifth Third Bank and General Electric Federal Credit Union, following 13 years of private practice. David has a JD (Juris Doctor), Law degree from the University of Cincinnati College of Law, and a Bachelor of Arts degree from the University of Cincinnati.

Jim Smith

Linda Toy


Linda Toy has more than 25 years of experience in Life, Property and Casualty Insurance accounting, including an extensive background in reinsurance. Prior to joining DAC, Linda held various leadership positions at the Associates Insurance Group, Price Waterhouse Coopers, and TIG Insurance. Linda has also served on the Financial Issues Committee for the Property Casualty Insurers Association of America, a trade association for the P&C industry. She has a BA in Business Administration with an emphasis in Accounting from the University of Texas at Dallas. Linda and her husband Greg have been married for 20 years, and reside in the Dallas area with their son, Sean. They have one Golden Retriever and two Yorkshire Terriers they love to spoil, enjoy camping, boating and traveling, and are big fans of the Dallas Cowboys.

Dealers Alliance Corporation, the parent of Dealers Assurance Company, was formed in 1977 by Ohio automobile dealers and their business associates. Since then, Dealers Alliance has been successfully marketing and administering motor vehicle service contracts for dealerships, and serving as administrative obligor for third-party administrators who need expertise and fast time-to-market. DAC was established in March 1980, when Dealers Alliance purchased the Mahoning Insurance Company (incorporated in Ohio in 1935) from Youngstown Sheet and Tube, and changed its name to Dealers Assurance Company. DAC has maintained an "a" or "a-" (Excellent) casualty insurance company rating with A. M. Best since 1985 (the first year it was eligible for rating). DAC products are insured by Dealers Assurance Company. In 2004, both Dealers Alliance Corporation and DAC were purchased by DAC Financial Holdings, Inc. Since then, DAC has grown tremendously under a simple mission: To bring profitability to its clients with competent, independent, affordable, customized expertise and insurance products for niche players in property, casualty, and extended warranty products. DAC boasts a wide-range of clients, from administrators, to third-party administrators, to manufacturers, offering brown and white, home warranty and vehicle service contracts.

Contact Information

We would love to hear from you! Please contact us with your suggestions and ideas, and let's discuss how we can work together to grow your business.

Dallas, TX
15920 Addison Road
Addison, TX 75001
TF: 800-282-8913

Columbus, OH
240 N. Fifth, Suite 350
Columbus, OH 43215
TF: 800-282-8913
DR: 614-459-0364
FX: 614-459-2665