Gareth Myer

Founder and Principal

With more than 20 years of experience in insurance underwriting and broking, Gareth Lyons brings an understanding of both sides of the insurance market to his clients. He has worked across three continents and advised businesses ranging from SMEs to ASX-listed corporations.

Gareth helps clients make sense of complex insurance decisions. He takes the time to understand how a business operates, explains its options in plain English and builds insurance programs around its risks. Clients value his practical advice, responsiveness and straightforward approach.

His underwriting background gives him insight into how insurers assess risks, structure cover and consider claims. He draws on that experience when presenting a client’s business to insurers, negotiating policy terms and supporting clients when they need to make a claim.

Gareth has built lasting relationships with clients, insurers and underwriters through clear communication and a commitment to doing what he says he’ll do.

Outside work, Gareth proudly claims the unofficial world record for ice cream consumption.

About Clarke Lyons Insurance

Sydney Insurance Brokers for Businesses, Professionals and Property Owners

Clarke Lyons Insurance is an Australian-owned insurance brokerage based in Bondi Junction, Sydney. We help businesses and individuals understand their risks, assess insurance options and arrange cover suited to their circumstances.

For a business owner, insurance decisions can become complicated quickly. A new contract may require a particular level of public liability insurance. A growing consultancy may need to reconsider its professional indemnity cover. A property purchase, cyber incident or change in operations may reveal a risk that an older policy does not address.

Our role is to help you make sense of those decisions. We take the time to understand what you do, explain relevant cover in plain English and help you identify policy terms that matter before you commit.

Based in Sydney, we assist clients across Australia, from small businesses arranging their first policies to established organisations managing multiple insurance needs.

Insurance Advice Starts With Understanding Your Risks

No two businesses have exactly the same exposures. Your industry matters, but so do the services you provide, the contracts you sign, the people you employ, the property you own and the information you hold.

That is why we start with questions. What could cause a customer to bring a claim against your business? Which assets would be difficult to replace? How would an interruption affect your income? Have your activities changed since your last insurance renewal?

Once we understand your circumstances, we can help you consider suitable types of insurance, compare the terms offered and decide what level of protection to seek. We also help you understand where a policy may have limits, conditions or exclusions relevant to your work.

What Does an Insurance Broker Do?

An insurance broker helps clients assess their insurance needs, understand available policies and arrange cover. The work can include reviewing existing insurance, presenting a client’s risks to insurers, explaining proposed policy terms and assisting during the claims process.

For many clients, the greatest value is clarity. A lower premium does not necessarily mean two policies offer equivalent protection. Differences in limits, excesses, definitions and exclusions can become significant when a claim occurs. We help you examine those differences in the context of your own risks.

Insurance also needs attention after it is purchased. If you take on a new type of work, sign a larger contract, acquire property or expand into another market, it may be time to review your arrangements.

Insurance Solutions We Help Clients Explore

The cover a client needs depends on their activities and circumstances. We can help you consider a range of business, commercial and personal insurance options.

Professional Indemnity Insurance

If your business provides advice, designs, recommendations or other professional services, a client may allege that an error caused them financial loss. Professional indemnity insurance may respond to certain claims connected with your professional work, subject to its terms.

We help professionals consider issues such as the services described in the policy, required limits, contractual obligations and the extent of their activities.

Public and Product Liability Insurance

Public liability insurance generally concerns certain claims involving injury to a third party or damage to their property arising from business activities. Product liability insurance concerns certain claims associated with products a business supplies.

These covers may be relevant to businesses that visit client sites, welcome customers onto their premises, perform physical work or sell goods. The wording, limits and exclusions should reflect what the business actually does.

Cyber Insurance

Businesses of many sizes depend on email, software, online payments and stored customer information. A cyber incident can disrupt operations and create response costs or third-party claims.

Cyber insurance may provide specified cover for incidents such as data breaches, cyber extortion or business interruption caused by a covered cyber event. The protection varies between policies, so it is important to understand the incident types, response services, limits and exclusions offered.

Commercial Property and Business Interruption Insurance

Buildings, stock, contents and equipment can be essential to a company’s daily operations. Commercial property insurance can provide protection for insured physical assets against specified events.

Physical damage can also interrupt trading. Business interruption insurance may cover certain lost income or additional operating costs following an insured event. The insured events, calculation of loss and length of the indemnity period all warrant careful review.

Management Liability and Directors and Officers Insurance

Companies and their leaders can face allegations connected with management decisions, employment practices and other corporate responsibilities. Management liability and directors and officers insurance may address specified exposures, depending on the policy.

These risks can become more complex as a business grows, adds employees, takes on investors or develops a more formal governance structure.

Specialist Insurance

Some clients need cover that reflects a particular asset or industry. We can also help explore insurance for commercial property owners, strata property, construction projects, technology businesses, marine cargo, luxury homes and prestige vehicles.

Every policy is subject to its wording. We explain the options relevant to you rather than assuming a product name tells the whole story.

Who We Work With

Our clients have different reasons for seeking an insurance broker. We assist:

Small businesses and SMEs establishing cover or reviewing it as they grow.
Consultants and professional firms managing risks connected with advice and services.
Tradespeople and contractors working on sites, using equipment and meeting contract requirements.
Technology and IT businesses considering professional, technology and cyber exposures.
Commercial property owners and landlords protecting property and considering liability and loss of income risks.
Importers, exporters and logistics businesses with goods and operations that may cross locations or borders.
Larger organisations coordinating multiple policies or more complex insurance programs.
Individuals seeking advice on insurance for valuable homes and vehicles.

If you are unsure which category fits your work, tell us what your business does. We can help identify the risks and types of cover worth discussing.

Why Clients Choose Clarke Lyons Insurance

We look at the business behind the policy

Two companies in the same industry may have very different risks. We want to understand your operations, revenue sources, contracts, assets and plans so the insurance conversation reflects your business.

We make policy terms easier to understand

Insurance documents can be lengthy. We focus on the details that may affect your decision, including the scope of cover, limits, excesses, exclusions and obligations you need to meet.

We help with renewals and changes

Your insurance should be reviewed when your circumstances change. We can discuss whether your existing arrangements still reflect your activities as you take on new work, acquire assets or expand.

We assist when a claim arises

A claim can be stressful, especially when it interrupts your business. We can help you understand the process, provide information to the insurer and follow the claim as it progresses. The insurer assesses the claim under the applicable policy terms.

A Local Brokerage Supported by Insurance Advisernet

Clarke Lyons Insurance is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd. Through this relationship, clients have a local Sydney point of contact supported by the resources of a broader insurance advice network.

You deal directly with Clarke Lyons Insurance when discussing your business, reviewing cover or seeking assistance with a claim. That continuity helps us understand how your circumstances and insurance needs change over time.

Frequently Asked Questions

Is Clarke Lyons Insurance based in Sydney?

Yes. Clarke Lyons Insurance is based in Bondi Junction, Sydney, and assists clients across Australia.

Do you only arrange business insurance?

No. We assist with a range of business and commercial insurance needs, as well as selected personal insurance for assets such as luxury homes and prestige vehicles.

What insurance does a small business need?

There is no single policy that suits every small business. Depending on its activities, a business may consider public liability, professional indemnity, cyber insurance, property cover, business interruption or other specialist insurance. Contracts, industry requirements and the business’s own risks all affect the decision.

What is the difference between professional indemnity and public liability insurance?

Professional indemnity insurance generally relates to claims arising from professional advice or services. Public liability insurance generally relates to certain claims involving third-party injury or property damage. Some businesses need to consider both. The exact cover depends on each policy’s wording.

Can you review insurance I already have?

Yes. An insurance review can consider whether your policies still reflect your current work, assets, contracts and risk exposures. It can also identify terms or limits you may want to discuss before renewal.

Can an insurance broker help with a claim?

A broker can help you understand the claims process, identify information the insurer requests and communicate with the insurer about the claim. Whether a claim is covered depends on the policy wording and the circumstances.

When should I review my business insurance?

Renewal is an obvious time, but it is also worth reviewing cover when you change services, sign a significant contract, hire staff, buy property or equipment, expand locations or make another material change to your operations.

Talk to a Sydney Insurance Broker

Whether you are starting a business, preparing for renewal or questioning whether your current policies still fit, Clarke Lyons Insurance can help you work through the options.

Tell us what you do and what you need to protect. Contact Clarke Lyons Insurance to discuss your insurance needs or request a quote.