Yutree Underwriting

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.


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.


I have only been dealing with Yutree for a short period of time but during this time I have been very impressed with their response times, staff attitude and most of all very competitive rates. A Rated security with a quick turnaround has helped us secure new business and hopefully it continues.

Karl Sutcliffe – R A Cowens

Yutree are the BIBA approved scheme for Liability Cover, and have provided an excellent product (covering over 600 trades) and service to our member brokers. We have had excellent feedback from brokers using it, and have no hesitation in supporting Yutree. BIBA has a commitment to raised standards and we can totally support the service and product Yutree offers via the scheme.

Steve White - CEO BIBA

Yutree Insurance provide an excellent service and their quotations are not only very competitive, but are provided in good time, well in advance of target deadlines. Their underwriters are experienced and a pleasure to deal with and are always available to discuss a risk when some flexibility is required, whether in respect of premium or terms, to ensure they are suitable for the client.

Yutree have helped us out with several recent cases and have provided terms for risks which other insurers have been reluctant to provide. In addition to an exceptional service their suite of products offer wide cover with low excesses and Lloyds security across a diverse range of industries.

Russell Stone Dip CII - R K Henshall

Excellent service levels and are happy to discuss a variety of risks – even the non-standard. This enables us to provide bespoke insurance programmes for both small commercial and large corporate clients.

James Allotey Cert.CII – CGI Insurance

Yutree’s flexible underwriting, competitive premiums and exclusivity regularly helps us to win and retain clients.

Graeme Harper - Harper Stairmand

Yutree are a pleasure to deal with. Always responding quickly to our enquiries, they enable us to give our clients the very best service that we can and they regularly help us to win new business.

Stewart Pease – Finch Commercial

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08 Jun 2022