Underwriting Director

Carmel Caramagna

Ms. Caramagna joined Westcor in 2014 as Senior Vice President, Director Commercial and International Insurance Services.

Ms. Caramagna has been an underwriter for title reinsurance and legal indemnities lines for over 20 years. Her group has underwritten for Capital Reinsurance Company, ACE and Houston Casualty Company.

Previously, she was a practicing attorney specializing in real estate law. She represented lenders in commercial and residential real estate transactions in addition to developers and owners of real estate. Ms. Caramagna holds a J.D. from Western New England College and a B.A. from Rutgers University. She is a licensed attorney in New York, New Jersey and Massachusetts.

Director

Kevin Mills

In late 2023, Kevin Mills joined Westcor, stepping into the pivotal role of Director and becoming a key addition to the company’s leadership.

Transitioning from a law degree at Greenwich, Kevin ventured into the realm of insurance, starting his professional journey at firms like First Title and Legal and Contingency. His tenure at Aviva further shaped him into a comprehensive, commercially astute underwriter, driving significant growth for the company.

Kevin’s mission at Westcor is clear: to establish growth without compromising the renowned quality that defines the company. His ambition aligns seamlessly with Westcor’s ethos, aiming to expand while preserving the exceptional standards the company is known for.

Chief Underwriting Officer

Ben Baker

Ben Baker joined Westcor in January 2020 as Senior Underwriter and has since been made Chief Underwriting Officer.

Ben has been working in title insurance since 2012 with previous experience working on residential, commercial and development policies for First Title.

Previously, Ben worked for Natwest and studied Law at the University of Warwick. His degree course also included a year studying German Law, in German, at the Justus Liebig Universität in Giessen, Germany.

Head of Solicitor Underwriting (UK)

Kirsty Noble

Kirsty Noble joined Westcor International in April 2021 as a Senior Underwriter to lead their Scottish Underwriting arm, and in 2025 was appointed Head of Solicitor Underwriting (UK). In this role, Kirsty leads Westcor’s solicitor-focused underwriting across the UK, drawing on her extensive legal and underwriting expertise.

Kirsty began her title insurance career in 2012 with another major insurer, spending four years as a Commercial Underwriter specialising in complex and high-value indemnity risks across commercial, residential, and renewable sectors. She then broadened her expertise as an Associate in the Commercial Property department at Blackadders LLP, where she advised clients on sales and acquisitions, landlord and tenant transactions, refinancing, property securitisation, and title issues, while also supporting the Corporate team on share sale and purchase transactions in the healthcare sector.

Kirsty holds an LLB (Hons) from Strathclyde University and a Diploma in Legal Practice from the Glasgow Graduate School of Law. She is also a Notary Public.

Senior Underwriter

Laura Lapsley

Laura joined Westcor International in January 2022 as a Commercial Underwriter.

Laura previously worked at another major title insurer for over seven years and has experience underwriting legal indemnity across Northern Ireland, England, Wales and the Republic of Ireland. She has worked on a wide range of complex and high net worth commercial, residential and development matters, including renewable developments and specialist products.

She holds an LLB (Hons) from the University of Glasgow.

Director, Republic of Ireland and Solicitor

Aisling Monahan

Aisling joined WIL Speciality Insurance, the Irish wing of Westcor International in February 2022 as a Senior Underwriter to lead their Republic of Ireland Underwriting team.

Aisling is a Solicitor qualified in the Republic of Ireland with 9 years post-qualification experience. Prior to joining WIL Specialty Insurance, she worked for a number of large law firms as an Associate in their Commercial Property department where she specialised in acquisitions, disposals and financing of commercial property, all types of residential, commercial and banking property due diligence, Landlord and Tenant transactions and advising on planning issues and procedures. She holds an BCL (Hons) from the National University of Ireland, Galway.

Senior Underwriter and Head of Schemes

Josh Dennis

Josh joined Westcor International in February 2022 as a Senior Underwriter, having previously spent nearly 7 years at DUAL Asset.

Josh is experienced in dealing with a wide breadth of residential and commercial risks, including development, renewable, and title wrapper portfolio risks across the United Kingdom, with jurisdictional experience in Europe too. He has a track record of developing and maintaining extremely successful accounts, and particularly enjoys finding solutions where others cannot.

Josh has a keen interest in information systems and computer software, especially where this can be used to improve the underwriting process for the benefit of both the underwriters and customers.

Team Administrator

Lauren Semple

Lauren joined Westcor International in June 2022 as a Team Administrator and provides administrative support across all of Westcor’s UK and Ireland offices. Lauren previously worked at another major title insurer for over seven years and has experience underwriting legal indemnity for residential properties across Northern Ireland.

Underwriter

Robert Crane

Rob Crane joined Westcor in September 2020 as an Underwriter. He has worked in the legal indemnities market since 2015, working for a major composite insurer and an MGA before moving to Westcor. Rob has experience underwriting development and portfolio risks across the UK and he holds an M.A. in English Literature from the University of St Andrews.

Head of Energy (UK) & Solicitor

Nicola McCluskie

Joining the team in Northern Ireland, Nicola McCluskie brings an impressive wealth of experience and expertise to our Northern Irish operations. With a career marked by roles at prestigious firms and distinguished legal practices such as Brodies, Addleshaw Goddard, and Pinsent Masons, Nicola’s background encompasses a versatile blend of legal acumen and industry insight.

Nicola’s extensive experience in legal practice and title insurance adds significant value to our underwriting practices, with a dual focus on supporting existing operations and driving business growth. Her goal aligns with our strategic vision of enhancing our offerings in Northern Ireland.

Corporate Development Manager

Tom Dowling

Tom Dowling joined Westcor International in July 2024 as a Corporate Development Manager to establish further growth for our Republic of Ireland team.

With over two decades of experience in the financial services and property sectors, Tom holds a BSc in Property Valuation and Management from Heriot-Watt University Edinburgh and Limerick Institute of Technology. This experience and education is supported by previous significant roles at leading institutions such as KBC Bank Ireland, Bank of Ireland, and ICS Mortgages.

Tom’s expertise in mortgage origination, arrears management, and product development, coupled with his experience in introducing new products, positions him well to develop strong relationships with stakeholders and clients at Westcor in Ireland.

Head of Rights to Light and Specialist Risks

David Page

With extensive experience in legal indemnities and underwriting, along with a law degree from Exeter University, David has spent his career developing expertise in complex risk assessment.

His career to date has included a range of industry leaders, where he earned a reputation for innovative, tailored solutions to challenging underwriting needs.

David’s hands-on approach and passion for problem-solving make him uniquely suited to his role, particularly as he pioneers a new Rights to Light offering for Westcor. His track record of success in bespoke underwriting, especially in niche areas where market capacity is limited, underscores his ability to deliver high-quality results and build strong client relationships.

Senior Claims Manager

Kate Hopkinson

Joining the team as Claims Manager, Kate Hopkinson brings a rare and valuable 360° perspective to Westcor’s claims operations. With a career spanning both underwriting and claims across respected firms, Kate’s dual experience allows her to approach every claim with strategic insight, empathy, and a deep understanding of the full policy lifecycle. 

Kate’s analytical mindset and industry knowledge, including experience in the specialist area of Rights to Light, are already enhancing Westcor’s claims service, particularly in supporting lender clients and refining internal processes for consistency and efficiency. 

Senior Underwriter

James Brockwell

James Brockwell brings over a decade of experience across residential and commercial markets, combining technical expertise with an entrepreneurial mindset. With a background that includes roles at Aviva and time spent in consultancy, James offers a creative and solutions-focused approach to underwriting, particularly in complex and evolving areas of the market. 

James’s rapid progression from clerical assistant to senior underwriting roles reflects both his capability and commitment to the industry. At Westcor, James focuses on both core title risks and lender products, drawn by the company’s evolving market position and appetite for challenging risks. His creative approach to problem-solving and appetite for growth make him a strong fit for Westcor’s forward-thinking culture. 

Strategic Client Director

Kathryn Graham

Kathryn Graham joined Westcor International in October 2025 as Strategic Client Director. 

Kathryn will spearhead the strategic expansion of client relationships across our bespoke underwriting platform in the UK. Leveraging her legal expertise, she will deliver tailored title insurance solutions that support complex real estate transactions and drive long-term value for our clients. 

Kathryn began her legal career as a Commercial Real Estate Lawyer at a firm consistently ranked top tier in Chambers UK and Legal 500. She advised on high-value acquisitions, development projects, and real estate finance transactions before joining a leading banking firm’s corporate real estate legal team on secondment, gaining valuable in-house experience and deepening her commercial insight. 

Kathryn transitioned into title insurance thereafter and has since held senior roles with leading insurers.  

Known for her pragmatic approach, Kathryn blends technical precision with commercial insight and a detailed understanding of the pressures that come with real estate transactions. Her ability to anticipate challenges and deliver clear, practical solutions, positions her as a strategic partner to clients across the sector.