About HB Underwriting
Delivering innovative insurance solutions for niche and underserved markets within the rural, commercial and public sectors.
Built on insurance broking and underwriting expertise, providing for underserved markets
Established in North Yorkshire in 2014, HB Underwriting was founded by brokers, for brokers, to bring smart, specialised insurance solutions to the rural and commercial sectors that haven’t previously been available.
Today, we continue to evolve, working with brokers and organisations alike to deliver insurance solutions that genuinely meet real-world needs.
Our team has decades of combined experience in the insurance industry, and we can see where clients may be left exposed. By identifying where traditional policies fall short, we develop insurance products to better serve those working with brokers, councils, and businesses across the UK.
2014 HB Underwriting was Founded
Established by experienced and specialist niche market brokers with the mission of closing gaps in the insurance market for those operating in the rural and commercial sectors.
2016 We launched Rural Protect
We introduced our flagship product: specialist Management Liability insurance tailored for rural businesses, developed exclusively for distribution through our UK rural broker partners. In recognition of the innovative development behind Rural Protect, we were awarded Broker Innovation of the Year in 2016 by the Broker Network.
2019Appointment of our Managing Director
Kyle Lomas joined HB Underwriting as Managing Director to lead the continued development of our operations, product portfolio, distribution strategy, and insurer partnerships.
2020Rural Protect Elements Launched
Guided by broker and policyholder feedback, we launched Rural Protect Elements to offer more streamlined and appropriate protection options for smaller rural organisations - those who do not need the breadth of cover provided by Rural Protect.
2020We launched our Training Hub
With partnerships expanding across the UK, our Training Hub was launched to support our broker partners with dedicated training, resources and service tools. This gives them access to learning resources which support their ongoing provision of Rural Protect products, as well as helping train new team members promptly.
2022We launched our new Quote and Buy Platform
We announced the arrival of our new quote and buy platform that provides brokers with lots of time saving features for faster quoting and onboarding, compared to our previous platform. Built with broker feedback in mind, we continue to look to better serve our broker partners to make the provision of our Rural Protect products simple and effective.
2023We introduced our Rural Protect Resource Hub
Designed to support client conversations, the Resource Hub is our brokers' go-to place for promotional support materials, offering access to all Rural Protect policy documents, client brochures, and marketing collateral.
Meet the HB Underwriting team
Our team brings together decades of broking and underwriting expertise — but it’s our responsive service, pragmatic approach to underwriting risks, and commitment to supporting our partners that makes us a reliable partner to work with.
Sean McClarronChairman
Sean McClarronChairman
Sean McClarron has worked in the insurance industry for over 35 years, having taken over insurance broker, McClarrons, from his father in 1994. As a result of his experience working in the agricultural sector, Sean and his team developed 'Rural Protect' - a specialist management liability policy for rural businesses - after having identified a significant gap in the market. Sean went on to form HB Underwriting in 2014, offering the product to brokers nationwide. Sean now acts as Chairman for HB Underwriting, which continues to expand and develop its product offering to both commercial and rural brokers, while maintaining his role as Executive Chairman of McClarrons.
Kyle LomasManaging Director
Kyle LomasManaging Director
Kyle began his insurance career as a Personal Lines Underwriter and has since held a variety of roles across underwriting and business development. With experience working across both commercial and agricultural lines, Kyle has worked with brokers nationwide, including leading product development at NIG, FarmWeb and Victor Insurance, where he successfully launched new agricultural schemes to market. At HB Underwriting, Kyle focuses on product creation, operational strategy, broker support, and managing key insurer relationships. Outside of work, you’ll likely find him on the farm, fixing up a farmhouse, with a Sauvignon Blanc in one hand and a paintbrush in the other!
Rachel KellyPartnerships Manager
Rachel KellyPartnerships Manager
Rachel began her career over 30 years ago in the Personal Lines Department at General Accident. She later moved into the Commercial Department at Jardine Lloyd Thompson, then to Thistle Underwriting as a BDM in the Wholesale Area. For the past decade, she has managed both affinity and broker relationships across the UK, including three years at Iprism Underwriting. As Partnerships Manager for HB, Rachel oversees key partner relationships, on-boarding, performance optimisation, and long-term service excellence. Outside work, Rachel is a keen gardener who enjoys cooking for friends and family and caring for her three sausage dogs.
Becki GeeUnderwriting & Operations Manager
Becki GeeUnderwriting & Operations Manager
Becki brings over 15 years’ experience in the insurance industry to her role as Underwriting & Operations Manager. Her career spans underwriting, client services and operational leadership, with a focus on delivering efficient, broker-friendly solutions across both commercial and rural sectors. At HB Underwriting, Becki oversees day-to-day operations, underwriting support, training coordination, and the smooth delivery of products and services across teams. Known for meticulous attention to detail, proactive problem-solving and dedication to long-term broker relationships, she champions process improvements and staff development. Outside work, Becki enjoys countryside walks, home interiors and unwinding with a good book. She also mentors junior colleagues and supports broker training initiatives.
Corrine WoosnamAssistant Underwriter
Corrine WoosnamAssistant Underwriter
Corrine began her career in finance three years ago at TSB Bank, focusing on delivering excellent customer service across multiple channels to help clients gain confidence in their finances. Primarily working in personal banking, lending, and mortgages, she had some exposure to insurance, making her move to HB Underwriting as an Assistant Underwriter a natural progression to expand her expertise. Previously, Corrine was a Spa Supervisor at an exclusive health club, where she honed her customer care skills. Though switching industries was challenging, she enjoyed the change. Based in Cornwall, Corrine spends much of her free time outdoors with her son Fletcher, paddleboarding or exploring the woods.
Find out how we can work together
Our Vision
To create insurance products that truly understand and support the unique needs of our customers; to empower them with tailored insurance solutions that work.
Broker-Focused Approach
We were founded by brokers so we understand the challenges and wants of our broker partners, including a responsive service, clear policies, and real underwriting and claims support.
Specialist Knowledge
From rural to commercial, our deep and varied sector expertise means we have the knowledge to design products that truly fit the risks they aim to cover.
Flexible & Innovative
When we need to make changes due to feedback or regulatory changes, we aim to do this efficiently and communicate these to you, our partners, swiftly. We are always looking to ensure our insurance solutions evolve with the needs of policyholders.
Responsive Service
You will always have the option of speaking to real people who understand your challenges and are here to help you and your customers or service-users — every step of the way.