Meet our underwriting team

Our team consists of associates based in Richmond, Virginia that support the team of horse insurance specialists across the United States.

emilyEmily Springman, Underwriting Manager
Emily joined Markel in 2004 after finishing her degree at Murray State University. She began working with the equine mortality products and has transitioned to an underwriting position for property and casualty risks within the agriculture division at Markel. She shares a passion for horses as due many of her colleagues. Emily works directly with preferred agents and equine field specialists. She works with a team of horse experts to help develop them into true insurance specialists and to grow a profitable book of equine related business. 

dawnDawn Martin, Horse Mortality Underwriter
Dawn grew up in Baltimore, MD and moved to VA with her family in 1984. She began her career at Markel in March 1986, as a file clerk and now is an underwriter for the mortality group. Dawn has worked at one time or another with each of the equine specialists at Markel. She is on the Western Team now and handles the mortality business for most of this team. She has attended most of the NRHA events in the US and has worked previously at Arabian and Hunter Jumper shows. Dawn holds both her property and casualty insurance license and has earned the Agribusiness and Farm Insurance Specialist designation. In 2013, Dawn met up with a local trainer and decided to start taking lessons for reining. In 2014, Dawn and Emily Springman purchased their 2008 gelding, Finally Dunnit aka Forrest. Dawn continues with her lessons and hopes that one day she may be brave enough to show!  Dawn is currently located in Markel’s main office in Glen Allen, VA.

kellieKellie Chambers, Underwriting Lead
Kellie grew up all over the country and abroad in a military family living in places like Texas, Ohio, Kansas, and even stints in Germany and Turkey before moving to Chesapeake, VA to finish high school. She graduated from Radford University in 1999 with a bachelor’s degree in Psychology before settling in Richmond, VA. She has been riding Arabians since she was 12 and even won the Region 15 Reserve Champion Hunter Pleasure AOTR Championship in 1996. She began her career with Markel in 2001 in the Accounting department but quickly transitioned to the Agriculture department underwriting equine mortality products. She holds both her Property and Casualty Insurance License and has earned the Agribusiness and Farm Insurance Specialist Designation. Kellie has strong horse knowledge and work ethic, friendly disposition, a big heart, and hyper-active customer service skills. You will find her working the Markel booth to promote our equine products alongside our Arabian equine specialists/field agents at horse shows such as the Arabian Nationals, the Scottsdale Arabian Show, and the Egyptian Event just to name a few.

Photo of Sally LowmanSally Lowman, Horse Mortality Underwriter
Bio coming soon






michelleMichelle Ruff, Underwriting Technician - Dressage
Michelle grew up in the Northern Neck of Virginia. She graduated from the University of Virginia with a Bachelor’s in Economics and in German, and joined Markel in 2012. She currently competes in FEI level dressage with her own mare, and is a USDF Bronze and Silver medalist. She brings her riding background to Markel, where she works on Farm, Liability, and Mortality accounts for the dressage and sport horse specialists.

paulinePauline Gregorich, Underwriter for Mortality and Farm & Liability
Pauline hails from Wisconsin with an associates degree in Equine Studies from Lakeshore Technical college. She was very active on the Lakeshore Tech Judging team. She grew up showing horses in 4-H and Local riding clubs. She went on to the AQHA and Appaloosa show pens. After college, she worked as a Riding Instructor for multiple farms and camps, she worked as a Groom/Assistant Trainer at Bingham Quarter Horses, Vallejo III, and Dorian Farm. She joined the Rhulen Agency in upstate New York in 1989 as a Customer Service Representative. During the time in New York, she competed at, and helped a friend train and compete at, the Region 15 Arabian Championship show. Her friend went on to compete at the Arabian Nationals in Hunter/Jumpers where she received a Top 5 award. Pauline was a local open show Judge for all disciplines for many breed clubs and the 4-H clubs in the NY area. In 1992 Markel moved the Rhulen office to Richmond, VA. Pauline followed and became an Associate Underwriter in the Agriculture P&C department. At home, she was training and competing her Arabian gelding in Dressage and horse trials/Eventing. In 1997 she joined the Equine Mortality team. Pauline trained all the new associates that came on board to handle the Mortality book. The book grew to over 18 million. In 2008, Pauline became a Mortality Underwriter for the Horse Mortality team. Today, she handles Mortality accounts for certain specialists and Agencies and has returned to P&C in a limited capacity for the Insurance Intermediaries, Inc./Nationwide agents and for agencies in the states of OH, NC, and SC.

Eva Cherepnya, Underwriting Assistant
Bio coming soon