This month our specialist Underwriter, Danielle Rairigh, talks about her career in insurance and provides an insight into day-to-day life at Yutree.
Have you always worked in the insurance sector? Where did your insurance career start?
For the most part, yes.
I started my career at 18 as an admin assistant for The Davis Group plc in 2005. Soon deciding that I wanted a career in insurance, I moved into the underwriting division where I became a commercial motor underwriter under the management of Yutree director, Laura High.
During my time in the motor team, the company became part of national brokerage, Bluefin, and in 2010 I had the opportunity to move to the USA as my husband was stationed in Georgia with the US Airforce.
In 2013 I returned to the UK, keen to recommence my career in insurance.
What attracted you to join Yutree?
Having previously worked with all but one founder of Yutree, I was keen to pursue a position with the company. This was not only because it’s nice to see a familiar face when starting a new job, but also because I trusted them with my career and its trajectory going forward.
What does your job involve on a day to day basis? Do you specialise in a particular cover class?
Our product offering has expanded substantially in the years since I joined the company, so I wouldn’t say I specialise in a particular class. However, the majority of my experience is in liability insurance for businesses of all sizes and trades.
Day to day, my role is varied and dependent on the needs of our brokers and their clients, but new business, renewals and mid-term adjustments are my focus.
What’s the most interesting risk you have ever placed?
Well, I can’t name names, but I have underwritten a policy for quite a well-known movie star, who was in a very well-known movie series, which I’m a huge fan of. So, that was probably the most interesting for me, personally.
Do you think the dynamics of underwriting have changed in recent years with the introduction of new technology?
Absolutely. There are numerous online features underwriters now have access to, which make investigating and underwriting risks that much smoother. The ongoing improvement of Google Maps features stands out as a particular plus for underwriters in many classes of insurance.
Also, with the introduction of web-based quote systems, underwriting has become autonomous in some instances. Insurers are now able to give brokers and direct customers the option to obtain quotes themselves without ever speaking with an underwriter about the risk. Whilst this isn’t possible for every case, it’s a convenience that I think many appreciate.
At Yutree, we are currently looking into ways we could make this a reality for our brokers, giving them the flexibility and convenience of being able to obtain a quote without sending the risk to us in the first instance. Whilst we take pride in our fast response times already, and are always happy to talk through any risk with our brokers, this feature would improve our service that much more.
What do you like most about working at Yutree?
Definitely the people.
My team get along really well and we all have a similar sense of humour (or at least everyone pretends to), which can go a long way when you’re having a bad day at the office. Oh, and we all enjoy cake!
What do you get up to outside of work?
I have a 2-year-old daughter who occupies most of my time outside of work, but when I get some ‘me’ time, I love to read and I enjoy writing novels (though I’m not sure I’m very good at it, so I think I’ll be sticking to underwriting).
I also can’t resist a homewares store, much to my husband’s dismay. I can often be found in Dunelm, looking for curtains I don’t need or buying yet another picture frame.
Oh, and pink gin. That’s about it, really.
You can connect with Danielle on LinkedIn or contact her on 01638 675995