About us.

Cert. is four leading insurance providers; Assetinsure, Lombard Insurance, Nordic Guarantee, and Red Sands; working as one, to provide the certainty the world needs today. Together, we offer more, solve more problems, and reassure more clients in more places.

The Cert. story

They call them decision makers, but these faceless, naysaying, box tickers make nothing but “no”. And no helps no one.

We know “no” well. Starting out, it took years to convince regulators, banks and clients that we were good people to deal with. Unless you were one of the big guys, it would be a “no”.

The skin got thicker, our faces more familiar, our voices a little louder. We built a can-do team who do things differently. We choose being effective over being efficient, growing big but staying nimble, and giving “yes” every possible chance to win.

It makes underwriting anything but boring.

Expertise doesn’t happen overnight

Built on firm foundations, the Cert. seeds were planted 35 years ago. And over the decades, strong relationships became stronger partnerships. A series of groups that could help more people by working as one.

A long time in the making, the Cert. timeline has just begun.

1990
Lombard Insurance established as a specialist insurance company with Munich Re, Swiss Re & Hollard Insurance Company as our major shareholders.
2003
Lombard Insurance acquired by its shareholders.
2003
Foundation of Red Sands established in Gibraltar.
2009
Partnership with Assetinsure – a specialist surety, commercial bonds and credit risk insurance provider in Australia. Acquired in 2019.
2016
Nordic Guarantee (Sweden) is fully acquired providing a licence across Europe (offices in 5 countries).
2025
Cert. established to bring all 4 licences together into one global entity.

Our values

We
beats me

We prioritise partnership and collective success over individual interests, fostering a collaborative environment where egos are set aside, and all stakeholders benefit.

Relax,
it's work

We encourage authenticity, breaking from tradition, and enjoying the process. We believe that hard work should be enjoyable and that productivity isn't confined to a desk.

Know
the new

We stay ahead by embracing contemporary thinking and planning for the future today. We avoid risks we cannot understand or measure and challenge convention when necessary.

Our team

Years of listening, solving, making the hard calls, and backing good people.

Meet the team that can help yours.

Shaun Cawdery

Management & non-executives
Red Sands CEO - Gibraltar

Louise Cruz

Management & non-executives

Zainya Gillingwater

Advisory committee
Red Sands CFO - Gibraltar

John Henderson

Management & non-executives

Erik Ljungren

Advisory committee
Nordic Guarantee CEO

Gareth Neilson

Management & non-executives

Julie Osborne

Advisory committee
Assetinsure CEO - Australia

Antoinette Shand

Advisory committee
Lombard CEO - South Africa

Graham Vermaak

Management & non-executives

Join the Cert. team

At Cert., our strength lies in the relationships we build and the collective energy of our people. By embracing challenges, our people grow alongside our many fast-growing businesses. If this excites you, we’d love to hear from you.

Current opportunities

See where our good businesses are looking for good people in your part of the world.