GARD is a specialist underwriting agency built around a simple idea: insurance should be clear, responsive and built for the real world.
Underwritten by certain Underwriters at Lloyd's, we deliver tailored insurance solutions for complex risks, combining specialist underwriting expertise with a practical, common sense approach.
Our business is structured around distinct underwriting divisions, each led by underwriters who understand the unique risks and challenges of those industries. That means more relevant cover, more informed conversations, and better outcomes for your clients.
Targets the more technical liability risks that require a tailored underwriting approach.
Property and Liability solutions designed specifically for Hospitality, Leisure, Accommodation and Wine Making businesses.
Tailored insurance solutions for operators in the passenger transport sector.
We believe strong relationships lead to better results. That's why we prioritise being accessible, consistent, and easy to deal with.
You can expect:
We take the time to understand each submission properly, rather than forcing it into a one size fits all solution.
Our underwriting philosophy is grounded in balance, combining technical discipline with commercial awareness. We're focused on building a sustainable portfolio, not chasing short-term gains, which allows us to remain a reliable partner across changing market conditions.
As risks continue to evolve, so do we. We're committed to developing solutions that reflect the realities of the industries we support, helping brokers and their clients navigate uncertainty with greater confidence.