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About Us

Insuring Change is a consultancy specialising in new ways of tackling consumer-centric protection. “Insuring Change” is a trading name of Catalyst Business Associates (Scotland), a partnership founded by Ruth Gilbert and Freya Boxer. 

Our expertise is in protection, healthcare, insurance and trust law, sales and marketing, 

including on-line having run a business delivering websites to SMEs.

Ruth  Gilbert

Our client facing lead on protection development and customer focus.

Ruth’s mission over the last few years in Insuring Change has been to seek out new ways 

of making protection more customer-friendly. 

If this is your mission too, she’ll be delighted to hear from you.

Ruth’s background

Law degree

Protection Marketing and technical roles spanning the birth of menu plans, 

through bancassurance and RDR, to the rise of digital

Lead generation for our previous website business serving SMEs

Freya Boxer

Support, specialising in science, healthcare, sales & marketing and technology. 

Freya’s background

Cardiology and critical care nurse specialist

BSc (Hons.) Medical microbiology 

Sales and Marketing Management in pharmaceutical and medical devices sales to the NHS

Client lead for website business serving SMEs

Online small business owner

To broaden our services, we also work in association with other quality consultants aligned with our approach, 

where additional actuarial, underwriting or project management support is needed to fast-track a new initiative:

Nigel Bradshaw of Redmayne Consulting, Marketing actuary

Andrew Wibberley of Alea Risk, Underwriting leader 

Jeremy Cousins of JRC Consultancy, Project manager

Insuring Change is a trading name of the Catalyst Business Associates (Scotland) partnership

Trading address 7 Barony Park, Kelso, Scottish Borders TD5 8DJ

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