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 College 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 and General 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. We are very pleased Kirk has rejoined the DAC family.


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.


Lisa KirkLisa 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.