At One we believe that when you put people before business, you build for the long term.
That’s why One underwriters are free to build their book of business their way.
To play to their strengths. And share in the profits they generate.



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Peter Godfrey

Natural Resources


Peter is a leading energy specialist with a career spanning over 30 years. His experience has given him a unique perspective, having been both a broker and an underwriter, worked both domestically and abroad, and in both the retail and the wholesale markets. It’s a perspective that means Peter understands the client/broker requirements, as
well as what he can offer in terms of real support.

In his most recent roles as Director of Underwriting, Lead Class Underwriter and latterly as a member of the Chief Underwriting Office he witnessed an increasing move to formulaic decision-making, driven by a dependence on actuarial and price models, and often serving corporate considerations ahead of individual account interests. Believing these to be of limited use to clients/brokers in the commercial market environment, and against the true spirit of entrepreneurship, he has brought his vast transactional underwriting and marketing experience to One to create and help build a natural resource portfolio.

Being based in London, Peter works primarily with wholesale brokers and is focused on creating long term relationships and writing a balanced and diverse Global upstream / downstream book of primarily short tail, physical damage based exposures within the One Natural Resources remit.

The natural resource team consists of two underwriters who are supported by an Exposure Analyst and an Underwriting Assistant. The offering will be both onshore and offshore underwriting with commensurate US$ line sizes. Their approach, and collective technical knowledge ensures that clients and brokers get direct access, quick and centralised decisions, as well as practical solutions on more complex risks.

+44 (0) 203 544 5066


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Joshua Graham

Global Property


For Joshua, coming to One is about combining all his corporate discipline with an entrepreneurial style of underwriting. Sitting face to face with brokers and giving them quick decisions is, for him, the true spirit of the Lloyd’s market.

From graduation, Joshua originally joined Allianz where he gained his ACII qualification as Senior Property Underwriter in the London Market team. In 2012, Joshua then gained a Distinction in the MSc Insurance and Risk Management at Cass Business School; where he majored in Risk Analysis and Modelling, ART and ILS, and Corporate Insurance Strategy. At the completion of this Masters program, Joshua joined Goldman Sachs Group Inc to establish the Ariel Re Syndicate 1910 Direct and Facultative book in Lloyds’. He built close relationships with key brokers, cedants, and clients, focusing on structuring bespoke catastrophe deals to alleviate treaty-driven pressures for his cedants. He wrote business in all major global territories including US, Caribbean, Japan, New Zealand, Australia and Europe, and was present at Ariel Re Syndicate 1910 for the corporate exit from Goldman Sachs Group and into new ownership by Grupo BTG Pactual and The Abu Dhabi Investment Council.

Joshua joined ONE at its launch to establish its market presence and brand, and to lead the Global Property team. As Class Underwriter, Joshua seeks to recognise the needs of his clients, and works closely with brokers to deliver the coverage required, and forge long lasting relationships.

+44 (0) 203 544 5064



Richard Clark

International Property Direct & Facultative


In the International Property D&F market Richard’s expertise stands apart. Specialising in the Caribbean, the profitability of his portfolio is testament to his underwriting philosophy, and his belief that experience trumps formulaic underwriting.

Richard’s consistent performance, both in terms of loss ratios and account growth prompted him to move to One, where he is able to build the portfolio the way he wants.

Richard’s methodology is built on his ability to provide great flexibility in underwriting. He has built long standing relationships by offering brokers low friction access to the cover their clients require.

With his geographic knowledge, strong relationships and astute technical skills, it’s not hard to see why Richard has delivered, and continues to deliver, consistently high performance on his accounts.

+44 (0) 203 544 5063



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Stef Raftopoulos

Chief Executive


Stef has over 25 years experience in the London market having established a number of new ventures including  new operations in Lloyd’s.

He has held a number of senior roles and managed the successful delivery of major strategies in many leading insurers.



Colin Charles

Finance Director


Colin has extensive Finance Director experience of the Lloyd’s and London insurance market across a variety of insurers and Lloyd’s managing agents.

He has held roles assessing, building and establishing new underwriting businesses as well as operational management and oversight.



Jose Bravo

Chief Risk Officer


Jose has over a dozen years dedicated at Director level establishing and managing assurance and risk management functions across life, general insurance, Lloyd’s and the company market.

He focuses on developing and implementing Enterprise Risk Management and Solvency II frameworks and has practical experience to delivering effective risk management solutions.


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Chris Cousins

Chief Operations Officer


Chris has over 20 years’ experience in the insurance industry managing global insurance operations and delivering major business change across Lloyd’s managing agencies, UK/ International service companies, US admitted coverholders and commercial insurance broking.

His most recent roles have included setting up five Lloyd’s managing agencies and performing interim operation roles as part of the process including Board and committee attendance.