We’ve built our solutions with the guidance of practising clinicians who understand the realities of modern healthcare from the inside. We apply lessons learned across the sector to help you reduce risk, improve patient care, and reinvest savings from lower premiums where they matter most.
It’s all about putting ourselves in your shoes, understanding what it is to be a clinician working in UK healthcare with all of the challenges that brings.
If you are running a healthcare business and balancing patient demands against the costs of doing business, you need a broker working with you who understands the risks and importantly how to mitigate them rather than transfer them to insurance.
Whetstone offers both risk mitigation and is thoughtful about risk transfer and the costs around it. We advise on self-insurance and breadth of cover while having access to all insurance markets to ensure optimum pricing.
Ours is not a one-year relationship, we see this as an enduring partnership.
Kevin Culliney
Kevin has spent nearly 40 years in insurance, building businesses in professional liability and medical indemnity. But he’s always felt one thing was the most important: the client relationship. With Whetstone, he’s fulfilled a long-held ambition – to build a business where client advocacy sits at the centre of everything, backed by cutting edge technology and a passion to always do the right thing: for clients, Associates and the community.
Tom Hester
Executive Director
Tom Hester
Tom is an experienced producer in the UK healthcare insurance market, known for helping clients manage their insurance needs with clarity and ease. He prides himself on building long-term relationships and taking the complexity out of the process, so clients can focus on what matters most.
“After nearly two decades of working alongside Kevin, joining Whetstone felt like the natural next step – bringing shared values, client-first thinking and a commitment to always doing the right thing.”
Dr Julie-Anne Conway
Executive Director
Dr Julie-Anne Conway
With over a decade of experience at Densura, Julie-Anne now heads our dento-legal team. A Bristol graduate (1995), she brings a rich background in general practice, postgraduate education, and clinical leadership. She has mentored overseas dentists, worked as a clinical lead within a major dental corporate, and continues to maintain a part-time role as a clinical supervisor for third-year dental students.
In addition to her clinical expertise, Julie-Anne holds a Master’s degree in Law. Her extensive experience in legal matters, complaints handling, and claims management informs her work every day. Above all, she believes the heart of her role lies in understanding the stress and uncertainty that dentists face when dealing with complaints or regulatory challenges—and supporting them through it.
Brenda Wilbourn
Claims Director
Brenda Wilbourn
Brenda leads the Advocacy and Claims team and is committed to providing an excellent claims management experience, with the clients always at the heart of everything she does. A registered dental nurse for 33 years, Brenda followed her passion for risk management and governance and as a result gained significant knowledge and experience to include robust complaints handling, serious incident investigation and incident management. Brenda has a wealth of experience in dental claims management and strives to build strong relationships with clients in order to understand their specific requirements.
Professor Ravi Rattan
Director of Advisory Services
Professor Ravi Rattan
Ravi is a well-recognised and accomplished practicing dentist, academic and professional adviser. He is widely recognised for his extensive contributions to the dental profession across clinical practice, academic teaching, and healthcare governance.
“My goal is to work with the established team at Densura to build on and enhance the high-quality services provided and equally support risk minimisation strategies through education and training to reduce risk in today’s general dental practice”
Emily Foster
Client Management Director – Densura
Emily Foster
Emily leads the Account Management team at Densura, where she is dedicated to delivering exceptional support and building lasting relationships with clients. With a strong focus on communication, service, and attention to detail, Emily works closely with her team to ensure every client receives a seamless and personalised experience from start to finish.
“I try and instill in the Densura team that this is a personal service. Making the client journey as smooth as possible is important, clinicians are busy people.”
Jimmy Donald
Client Management Director – Consultants
Jimmy Donald
Jimmy leads day-to-day delivery. He works directly with consultants throughout the year – not just at renewal – ensuring fast, consistent, and proactive support.
“Consultant surgeons simply don’t have time to waste. We are not a call center but rather a team of experienced medical indemnity specialists focused on making life easier and of course offering a comprehensive and highly competitive product.”
Sarah Cole
Director of Client Engagement
Sarah Cole
Sarah brings warmth, curiosity and a people-first approach to business development, building genuine relationships and spotting opportunities with energy and care. With a background in financial investigation and fraud prevention, she combines sharp analytical thinking with a natural ability to connect with people.
“I was drawn to Whetstone’s values and ambition, and by the opportunity to be part of shaping what happens next.”
Ewan Johnson
Sales Director - Densura
Ewan Johnson
Ewan leads the Sales Team at Densura and has spent over 20 years in the insurance industry. He prides himself on being professional, energetic and building long-term relationships with his customers. Ewan dedicates his time supporting the sales team to make sure that all of our dentists receive the best advice and support.
“Dentists need the correct advice, especially as the dental space can be filled with litigation. We have a market leading indemnity product, and a team that can speak to dentists on a personal basis, face to face anywhere in the UK”
