Meet the team

Email: andrew.whittaker@epul.co.uk

Telephone: +44 (0) 203 740 4112

Mobile: 07977 510 412

Andrew’s underwriting career began at the General Accident (now Aviva) in 1985 before the start of a Property Owners specialism with the Sun Alliance (now RSA) in 1989. The creation of Towergate in 1999 brought the opportunity of creating an MGA in the Property Owners area which was a unique business model at the time. He became an Associate of the Chartered Insurance Institute in 2000. An MBO in 2013 to form EPUL along with significant new capacity & excellent security writes the next chapter of the businesses development.

As the Managing Director of the most experienced underwriting team in the sector his role is varied, always challenging & encompassing all areas of the business. Having been uniquely involved in the Property Owners sector for nearly 30 years & witnessing many changes in this period there are few scenarios that have not been encountered & a solution found. EPUL continue to enhance our product offering to keep pace with the changing requirements of Property Owners.

Personal Interests
“The natural conclusions to both my football & rugby careers led me into the sport of triathlon, punctuated with golf & squash, none of which are undertaken with any degree of skill, but a large amount of effort. Our three children absorb any remaining time & energy with their own varied sports & hobbies.”

Email: steve.lawrence@epul.co.uk

Telephone: +44 (0) 203 740 4115

Mobile: 07879 6366120

Steve began his career with Eagle Star before moving to the Zurich City underwriting unit in 2000, focusing on the Property Owners’ sector.  It was whilst at Zurich that Steve began writing European investment portfolios, a specialism that prompted Towergate Underwriting Commercial Property to recruit Steve in 2004.  His expertise enabled the team to increase its penetration into the European market which now represents approximately 50% of the total EPUL account.
Personal Interests
“I am a member of the charitable traditional rowing club based in Richmond-Upon-Thames who enter the Great River Race each year.  I also enjoy travel, music, cinema & theatre as well as keeping fit.”

Ian began his career with Phoenix Assurance (now part of RSA) in Pall Mall in 1975. After 10 years he joined ITT London & Edinburgh (now Aviva) as Property Underwriting manager for the Southeast. Whilst at ITT L & E, Ian was influential in setting up a special product for property owners. Having spent eight years at ITT, Ian joined their old boss, Peter Cullum after the MBO of Economic in 1994.

Economic was sold to Hiscox in 1996, and in 1999 Ian and his team re-joined Peter at Towergate where he become MD of Towergate Underwriting Commercial Property. The business changed to European Property Underwriting in 2013, under new independent ownership.

Email: phil.gorman@epul.co.uk

Telephone: +44 (0) 203 740 4114

Mobile: 07887 541794

Phil spent the formative years of his career with the Commercial Union (now Aviva) before joining Prudential in 1989 as a new business underwriter in the London Underwriting Centre.  Following Prudential’s decision to withdraw from the general insurance market in 1992, Phil subsequently joined the Economic as the Branch Underwriter in their West End Property Owners operation.  He then joined up with Ian and Andrew in the City as a result of Peter Cullum’s MBO of Economic in 1994.  Following Hiscox’s purchase of Economic in 1996, the team eventually moved to Towergate Underwriting Commercial Property in 1999 to set up a MGA, before the business was purchased in 2013 by independent investors and re-branded European Property Underwriting Limited.

Personal Interests
“I’ve been a Chelsea season ticket holder since 1992 when I gave up playing competitive football, although I still try and play five-a-side twice a week.  What spare time I have, you will find me either pottering around the garden, or preferably on a golf course.”

Email: stuart.risebrow@epul.co.uk

Telephone: +44 (0) 203 740 4121

Mobile: 07850 175 833

Stuart has over 32 years of experience within the property insurance market.  He enjoyed a long career at Commercial Union before moving to McLarens as a field loss adjuster.  In 2003 Stuart became head of Property claims at Amlin UK, a role he held for 11 years. Following a brief spell at BRIT, Stuart joined EPUL as Claims and Operations manager in 2016.

Personal Interests
“I am always changing hobbies.  I enjoy hiking and climbed Kilimanjaro in 2015 for Charity.  In 2016 I began both road cycling and mountain biking and still enjoy a good peddle today.  However, more recently I have got the ultra running bug and have completed cross country races in excess of 100km.  I am now in training for a 230km race across the Sahara desert.

My one constant in life has been classic cars.  I enjoy going to classic car shows and events as well as restoring, maintaining and driving my own car, a 1970 Bristol 411"

Email: alex.bennett@epul.co.uk

Telephone: +44 (0) 203 740 4116

Mobile: 07860 718 253

Alex started his career in 2000 at RSA Croydon, primarily writing property, liability and professional Indemnity covers. In 2005 he joined Allianz Global, writing UK risks arising out of their global Insurance programs.

In 2007 he joined the Allianz Property Owners team to underwrite real estate business located within UK, Europe and the rest of the World.  Alex provided support for senior team members on large accounts as well as handling his own clients.

In 2012 he joined EPUL (then Towergate), bringing his experience of writing pan-European to the team.

Personal Interests
“I enjoy travel photography, music, reading and creative writing. I was a swimmer to a club level and have been into rock climbing, abseiling and skiing.  I have played most team sports such as rugby, football and cricket and I have practised Judo, Mau Thai and Wing Chun.  In recent years I have undertaken PADI courses to become a certified diver.”

Email: joshua.kay@epul.co.uk

Telephone: +44 (0) 203 740 4123

Mobile: 07703 835 599

I started my insurance career at Towergate in 2011 as an Account Handler for a wide range of SME products.  I then joined AXA as a Trainee Commercial Underwriter in 2013.  I was promoted to Underwriter before joining the AXA Real Estate team where I dealt with a number of brokers including nationals and independents.

Personal interests

"I’ve held a Crystal Palace season ticket since 2002 and enjoy playing 5-a-side whenever I get the chance. If not at the football on the weekends you can usually find me in the gym or out with friends. I’m keen to pursue a private pilot’s licence over the next few years. I try to go to at least one new country every year."

Email: zach.dunkley@epul.co.uk

Telephone: +44 (0) 203 740 4118

Zach began his claims career at Crawford Loss Adjusters following completion of his degree and time taken out to tour Australia and New Zealand.  In 2019 Zach joined EPUL to manage our client claims account.

Personal Interests
“I love sport and play a little football.  However, my real passion is playing and watching cricket”.

Email: oliver.simmonds@epul.co.uk

Telephone: +44 (0) 203 740 4119

Oliver has recently joined the insurance industry after completing his geography degree at Keele University.  His studies and previous job experience have given him the tools required to tackle any task allocated to him.   Currently Oliver is pursuing his studies with the Chartered Insurance Institute, whilst learning on the job from his experienced colleagues.

Personal Interests
“I am a keen swimmer, once part of both my university swimming team and my home district swimming team. During my free time, I enjoy watching and participating in various sports (e.g. skiing, football, gym) and have a keen interest in music, attending concerts and music venues.”

 

Email: thomas.free@epul.co.uk

Telephone: +44 (0) 203 740 4113

Tom has recently joined EPUL after completing a Management degree at Nottingham University. His studies and previous job experience have given him a solid foundation for a career in insurance. Tom is currently developing his underwriting skills and knowledge under supervision and will soon start his studies within the CII qualification framework.

Personal Interests
“Tom a keen cricketer, having captained his university first team and has represented his county.  He enjoys golf and watching various sports including rugby, golf, cricket and Formula one. Tom has completed a PADI course and plans to pursue further qualifications. He also likes to ski and snowboard.”

Email: lucy.hughes@epul.co.uk

Telephone: +44 (0) 203 957 8948

I started my career in insurance in 2005 working for AON.  I had various roles ranging from credit controller to Operations Manager.  I moved to QBE in 2014 and worked there for 3 years as a credit control team leader.  After enjoying some time off on maternity I was ready to get back into the workplace and joined EPUL in 2019.

Personal Interests

"I enjoy spending time with family and friends, which normally involves good food and drink. Most of my free time is spent with my husband and daughter having fun days out."