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Bell & Clements is known for its ability to deliver genuine added value to customers. We do this by employing experts with specialist sector knowledge.

Mike Kerner

Chairman of the Statutory Board

Michael Kerner became Chairman of the Board of Directors of Bell & Clements, Limited in October, 2019. Mike is also the President and CEO of Munich Re Specialty Insurance. In this role he leads an organization within the Munich Re Group targeting specialty commercial insurance business in North America.

Prior to joining Munich Re, Mike was Executive Vice President and Head of Risk Management and Strategy for Everest Reinsurance. Before his time at Everest, Mike was a member of the Group Executive Committee and CEO, General Insurance for Zurich Insurance Company.

Mike is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He holds a Bachelor of Science degree in mathematics and economics from the State University of New York at Binghamton.

Nick Ash

Chief Executive Officer - Statutory and Executive Board

Nick Ash is Chief Executive Officer of Bell & Clements Limited. He joined Bell & Clements in 2016 and took over CEO responsibilities in January 2017.

Nick was previously the founding partner of Grosvenor Brokers and oversaw the growth of the business and its subsequent sale to AssuredPartners, Inc. becoming CEO of AssuredPartners in 2015.

He commenced his insurance career in 1988 and has extensive experience of the London, European and Bermudian marketplaces.

Chet Shah

Chief Financial Officer - Statutory and Executive Board

Chet Shah is Chief Financial Officer. He joined Bell & Clements in 1996 from Deloitte, where he qualified as a Chartered Accountant and was an Audit Manager in its insurance group. Chet has been involved in all financial aspects of Bell & Clements’ growth and development.

Chet has a BSc (Hons) degree from the University of Manchester.

Mike Kyriacou

Chief Underwriting Officer - Statutory and Executive Board

Mike Kyriacou is Chief Underwriting Officer and has overall responsibility for the company's day-to-day underwriting as well as its managed underwriting functions.

Mike joined Bell & Clements in 2002 having previously worked in the Lloyd's market for over 25 years as an underwriter for a number of Lloyd's syndicates. He spent his first two years at Bell & Clements in the US helping to establish the Bell & Clements Inc. office in Reston, VA, and assisting the company develop its underwriting management capabilities.

Mike was heavily involved in establishing the business relationship with Bell & Clements’ customers and American Modern Insurance Group, and was instrumental in the roll out of the Great Lakes facility.

Dawn Harding

Chief Broking Officer - Executive Board

Dawn Harding is Chief Broking Officer and has over 30 years’ Lloyd’s binding authority experience. She is responsible for the day-to-day operations of the Lloyd’s US Binding Authority department and was appointed as a Director of the Bell & Clements Board in 2013.

Dawn joined Bell & Clements in 1989, having previously worked for another Lloyd’s broker handling the production and placement of Canadian binding authorities.

Luke Wheeler

Chief Claims Officer - Executive Board

Luke Wheeler is Chief Claims Officer and has in excess of 20 years’ claims broking and technical experience. He is responsible for the business’ claims strategy and policies and manages the day-to-day operations of the claims team, which is spread between our UK and US offices.

Luke joined Bell & Clements Limited in 1994 as a Junior Claims Broker/Technician and rose to Department Manager by 2005. Luke was appointed as a Director of the Bell & Clements Board in 2013.

Mark Balcombe

Chief Operating Officer - Executive Board

Mark Balcombe is the Chief Operating Officer, and he has overall responsibility for the day-to-day operations of the company.

Mark joined Bell & Clements in 2001 and has project led many of the business’ major IT initiatives, including implementing a broking system and migrating paper files to a document management system. He was appointed an Associate Director in 2007 and joined the Board of Directors in 2019.

Prior to joining Bell & Clements, Mark worked for 17 years in the insurance technology sector for a leading insurance software vendor. Mark’s experience spans all aspects of the insurance technology sector, from programming and technical support through to account and project management. Mark has worked on many international customer accounts and with a number of London Market insurance brokers.

Bharat Mepani

Chief Innovation Officer - Executive Board

Bharat Mepani is the Chief Innovation Officer for Bell & Clements and is responsible for managing the Software Development and Data Analytics teams.

Bharat has been instrumental in designing, enhancing and managing Bell & Clements’ data processing and analytics system, The Bridge. He works closely with customers and their software vendors to obtain validated real-time data via XML and provides in-depth insurance analytics to both internal and external audiences.

He joined Bell & Clements in 2002 as a Software Engineer and was promoted to Development Manager in 2007 and Associate Director in 2011. Bharat joined the Board of Directors in 2019.

Bharat has a BSc (Hons) Degree in Computer Science.

Bhusha Kukadia

Chief Human Resources Officer - Executive Board

Graham Lindus

Chief Underwriting Operations & Technical Officer - Executive Board

Graham Lindus is the Chief Underwriting Operations & Technical Officer and is responsible for the production and administration of binding authorities, certificates of insurance and open market agreements.

Graham joined Bell & Clements in 2001, as a Senior Technician, before being promoted to Associate Director in 2011.

He has worked in the insurance broking industry for over 30 years and has a wealth of market experience.