Darren has more than 40 years of experience in the Australian insurance market, having held senior executive roles with major national insurers including IAG, Suncorp and their predecessor organisations.

Before joining GARD in January 2025, Darren was Group Chief Underwriting Officer at Insurance Australia Group. His career spans both Commercial and Personal lines, across intermediated and direct distribution channels.

Darren brings strong experience in underwriting leadership, strategy development and delivery, governance and risk management, portfolio oversight, and stakeholder engagement, supporting sustainable and well-managed growth.

Lucy has over 25 years of national and international underwriting experience, with senior roles across large corporate insurers, Lloyd's syndicates, and managing general agents in the UK, New Zealand, and Australia.

Her career includes underwriting, business development, and portfolio management roles, with previous experience as a Senior Commercial Property Underwriter. She is known for balancing sound underwriting practice with commercial and strategic thinking.

As Chief Underwriting Officer – Specialty, Lucy brings a broad market view and a disciplined underwriting approach, supporting sustainable growth and effective risk management.

Gary brings over 15 years of underwriting expertise to the Gard team, having held senior roles across both corporate and agency insurers during this time.

Having spent the past 5 years predominantly on hospitality risks, Gary has a solid understanding of the unique exposures faced by businesses in this sector. He brings a holistic and commercial approach to underwriting and is strongly focussed on broker engagement and effective risk placement.

John has over 30 years of experience in the insurance industry, with a strong focus on technical and complex claims, including matters involving litigation.

Throughout his career, John has held senior roles across casualty and commercial property claims, claims litigation, operational management, policy interpretation, negotiation and mediation, conflict resolution, complaint management, and broker and client liaison.

John manages all claims for GARD and its associated businesses, applying sound judgement, clear communication, and a consistent disciplined approach to claims management.