Kristen GruberKristen Gruber | President

With a well-deserved reputation for professionalism and high ethical standards, Kristen is a frequent speaker and leader in our industry. Throughout her career, she has focused on developing insurance solutions for agents, dealers, and OEMs. Kristen has worked in the insurance arena for over 25 years, much of it focused on the F&I industry. Prior to joining DAC, she 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 University in Crestview Hills, Kentucky. Today, Kristen and her management team work to provide DAC's clients with the exceptional regulatory, compliance, and analytical support they need to grow their business.

Kirk BorchardtKirk Borchardt | Executive Vice President & Chief Legal Counsel

Kirk is a leading expert on the regulatory, tax, and corporate structural aspects of the service contract and ancillary products industries. Kirk began his career in 1981 as an attorney in the Chicago offices of Lord, Bissell and Brook, rising to the level of partner and managing partner of the firm’s Los Angeles office. He was an original member of the NAIC Service Contracts Act Working Group, whose efforts spawned the adoption of the Service Contracts Model Act, a necessary progenitor to the proliferation of the administrator-obligor corporate structure. Kirk promoted the adoption of insurance company tax treatment for service contracts providers, which he successfully achieved for his client through the issuance of Technical Advice Memorandum 9601001 by the IRS in 1996. In 2006, Kirk became President and CEO of Dealers Assurance Company, and remained with us through 2013. His unique ability to find creative solutions, coupled with his 38 years of regulatory, tax, and corporate experience in our niche industry will help us deliver on expected shareholder returns.

Linda ToyLinda Toy | Chief Financial Officer

Linda has more than 25 years of experience in Life, Property and Casualty Insurance accounting, including an extensive background in reinsurance. Prior to joining DAC, she 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.

Josh PedeltyJosh Pedelty | Vice President & Chief U.S. Counsel

Josh is an experienced general counsel and operations executive with broad experience in the insurance and financial services industry. He has been recognized for successfully navigating complex legal, compliance, and risk management matters. He is focused on delivering practical solutions to legal and regulatory issues and achieving strategic business objectives. Josh joined iA Financial Group in 2015 as Chief Legal Counsel to its U.S. life insurance subsidiaries, and assumed responsibility for all U.S. legal and compliance matters in 2019. Prior to his tenure with iA, Josh served in a variety of legal and operational roles with Transamerica for over 13 years. He graduated from the University of Northern Iowa with a Bachelor of Arts in Finance and earned his J.D. from Washington University School of Law in St. Louis.

Lisa_Kirk_WebLisa Kirk | Compliance Director

With over 30 years of insurance experience, Lisa brings a wealth of compliance knowledge to the organization. Prior to joining DAC in 2014, she spent 27 years at Warrantech/AmTrust in various leadership and management positions, with an emphasis on compliance. In addition to handling all of DAC’s corporate compliance needs, Lisa is our company expert regarding the ever-changing legal landscape for F&I products. She works closely with DAC’s partners to ensure that their obligor companies are properly licensed, their agents are appointed where necessary, and their products are compliant.