Meet...

Emma Ratcliff

Their role at HKJ Commercial
Account Handler, Worcester

Emma has been in the insurance industry for nearly 30 years, beginning her career in personal lines with Robert Nott Insurance. After completing work experience there, she was offered a Saturday role that soon developed into a full-time position. From the outset, Emma was curious about the wider industry and quickly became interested in the commercial side of insurance. Determined to expand her knowledge, she made it her mission to learn as much as possible before taking the next step into the commercial world – ultimately finding her place in the marine sector.

Known for her problem-solving skills, Emma always goes the extra mile to achieve the best outcomes for her clients. She prides herself on being efficient, approachable, and clear in her communication – cutting through jargon to make the client journey as straightforward as possible.

Outside of work, Emma enjoys camping and long walks with her dog, embracing the outdoors as much as possible.

Why choose us?

Expert navigation of the marine trade market

Well-established relationships with specialist insurers means we can swiftly source the right protection for your business.

A longstanding experienced crew

After nearly 20 years in marine trade insurance, we understand the range and nuance of the industry and offer ongoing guidance, efficiency and personal support.

On board with every business

We have the flexibility and scope to offer the highest standards of cover for marine businesses and associations of all shapes and sizes.

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