Refreshingly Traditional

Trustworthy and thorough

Yutree Insurance is a commercial insurance brokerage and underwriting business that provides highly personalised insurance advice and protection to our clients and brokers.

Total transparency about our fees is a major part of our philosophy with no hidden costs or administration fees across our business. We aim to work as trusted advisors to our clients and brokers alike.

Yutree is committed to professionalism and raising standards across the insurance industry. We encourage and support our people with their professional development through the Chartered Insurance Institute and we actively work alongside our trade association, BIBA (the British Insurance Broker’s Association).

We are also approved by Lloyd’s of London as coverholders, having signed up to their code of conduct and best practice.

Meet the team

Yutree is a carefully selected team of talented and committed insurance professionals – all passionate and enthusiastic about what they do.

Leigh Smart

Non-Executive Chairman

Leigh’s insurance career spans over 30 years, founding his own business in 1988. The Davis Group plc was sold to Bluefin in 2007, where Leigh took on the role of Managing Director Distribution for the broking business until 2009. After taking a two-year enforced sabbatical from the broking world, he launched Yutree in 2011. Motor racing is a passion and he is a partner, with Kevin, in Jemco Racing, currently involved in Historic and GT racing.

Kevin Hancock (ACII)

Managing Director

Kevin started his career with Norwich Union & Provincial, and was Managing Director at The Davis Group for over 10 years. He is a Chartered Insurance Broker and chairs the CII’s Society of Insurance Broking. He is a founding member of the Newmarket Network and sits on the committee of the Newmarket Festival, organising fundraising events for local charities. A partner in Jemco Racing, Kevin takes part in endurance motor racing.

Laura Hancock (MInstLM Cert CII)


Laura started her insurance career with Norwich Union in 1995. She joined The Davis Group in 2004. When The Davis Group sold to Bluefin in 2007, Laura was appointed as Bluefin’s Director of Distribution. Laura is a qualified Member of the Institute of Leadership & Management, Cert CII, Chairman of The British Insurance Brokers Association’s (BIBA) Anglia region and deputy chair on the main BIBA board. Outside of work, she enjoys walking and painting.

Simon Miller (Dip CII)


Beginning his career with Guardian Insurance as a commercial underwriter, Simon has worked for a number of highly regarded independent brokers, most recently as Corporate Sales Director for Allan Chapman & James.  He brings a wealth of knowledge to the team across all classes of business and for the last 13 years has specialised extensively in the media and entertainment sector. Simon enjoys running and hockey which he also coaches.

Sara Caswell

Finance and Office Manager

Sara is a CIMA qualified management accountant, starting her career in insurance accounting at Direct Choice, where she worked for 4 years. She also worked for 4 years as Finance Manager for another local broker before joining Yutree in 2017. She is not your typical accountant but she does love an Excel spreadsheet. Outside of work, Sara’s passion is her horse. She also enjoys going to watch comedians and swimming.

Nick Carson (Dip CII)

Claims Manager

Nick has worked in insurance for over 9 years. Posts at AXA Insurance included Commercial Property Claims Handler, Quality Assessor for internal claims handlers and Claims Auditor for external suppliers. Nick has successfully completed his Dip CII qualification. Outside of work, Nick enjoys attending music festivals, theatre shows, travelling and anything to do with sport, mainly football and American Football. He considers himself as a film buff!

Holly Cooper (Cert CII)

Claims Broker

Holly’s insurance career spans 14 years, and  started in the claims department of AXA Insurance. She then moved into underwriting within the marine division of Bluefin Insurance. Holly now manages claims for Yutree making sure that our customers’ interests are looked after at all times throughout the claims process. Outside of work, Holly is kept busy with her two young children.

Garry Miles (Dip CII)

Underwriting Manager

Garry started his insurance career in broking before working for over 20 years as a commercial underwriter with Aviva. Garry now works in our underwriting department where he brings a wealth of technical knowledge to the team. Outside of work, Garry enjoys hill walking and building Lego with his son. He is also a leader with a local Beaver Scout colony and a keen supporter of Arsenal Football Club.

Sara Thake (Dip CII)


Sara started her insurance career with Saffron Insurance as a Private Clients Insurance Broker. Sara now works in our underwriting department developing her skills within commercial insurance and relationship management. Sara is looking forward to getting out on the road and meeting our broker customers. Outside of Yutree, Sara is a classically trained pianist with a degree in music and also enjoys learning about wine!

Danielle Rairigh (Cert CII)


Danielle started her insurance career in 2005, previously working in the underwriting schemes division of The Davis Group plc and for national broker, Bluefin Insurance. Danielle has been with Yutree since 2013 and works in the underwriting department, where her underwriting & broker relationship skills enable us to deliver a high level of service to our broker customers. Outside of work, Danielle is a keen writer and is kept busy with her young daughter.

Ross Elliott (Dip CII)

Senior Underwriter

Ross began his insurance career as an underwriter with Norwich Union in 2004. After 5 years, Ross did a stint as a broker before moving to the University of Cambridge where he looked after their own insurance programme for 7 years. Ross has completed his Dip CII and has now returned to his underwriting roots with Yutree. Outside of work, Ross is an FA level 2 licenced football coach, looking to move to UEFA B Licence.

Emma Cawkwell

Underwriting Assistant

Emma started her working career as an office manager for a cleaning firm which lead to her starting her own cleaning business in 2003. Emma joined Yutree as Underwriting Assistant in 2017 to challenge herself in a new career. She now capably manages the administrative function within our underwriting business, making sure that documentation is issued on time and that we never have a backlog. Outside of work, Emma enjoys going to the gym, spending time with friends and family and reading.

Tracy Grew

Trainee Underwriter

Tracy is Yutree’s first ever apprentice. Her role as Trainee Underwriter will involve her learning all aspects of the underwriting business, supporting our brokers with their quotes, renewals and general enquiries. Prior to joining Yutree Tracy worked for Royal Mail and, most recently, in retail. Tracy completed a degree in photography which is now her passion outside of work. She also loves to upcycle and restore furniture. She is looking forward to building a career as an Underwriter with Yutree.

Katie Beech

Insurance Broker

Michelle Johnson (ACII)

Insurance Broker

Michelle started her career in 1992 at Provincial (now AXA insurance) underwriting UK property and liability insurance. More recently, she was as a class underwriter at the Lloyd’s syndicate Amlin. During this time she achieved ACII and obtained chartered status. Michelle has completed three marathons but tends to take part more as a spectator of sport these days. She is also about to tackle an Open University course.

Shari Storey (Cert CII)

Insurance Broker

Shari started in insurance 5 years ago at the Co-operative insurance claims department and then went on to work at Towergate Insurance for 3 years. She started in their claims department dealing with both commercial and high net worth clients and then progressed in to the commercial account handling team. She is Cert CII qualified with the intention of working towards her Dip CII. Outside of work, her passions include netball, going to the gym and socialising when time permits, as she is kept very busy with her young son.

Emily Chapman (Cert CII)

Insurance Broker

Emily started out in insurance 5 years ago in AXA claims and then went on to work at Saffron Insurance for just over 4 years in their claims and commercial department. She is Cert CII qualified with the intention of working towards her Dip CII. Outside of work her passion is horse-riding and has her own horse which keeps her busy.

Mary-Ann Hansen

Insurance Broker

Holly Haddaway (Cert CII)

Insurance Broker

Holly’s insurance career spans over 17 years. After starting as a claims handler, she moved to broking positions within national brokers Bluefin and Jelf, before joining the team at Yutree. Holly is Cert CII qualified and hopes to study for the Dip CII qualification in the future.  Outside of Yutree Holly is kept busy either cross country running, or running after her young daughter!

Jenna Burberry

Broking Assistant


Want to join our team?

Yutree was founded with its clients, brokers and people at its heart. Creating an environment where talented and professional people can thrive lies at the core of Yutree’s culture. As such, we are always on the look-out for passionate and resourceful people committed to exceptional service provision.

If that’s you, then we’d love you to get in touch.

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