Tony Graves

Tony Graves is a Joint Managing Director of Citycover with over 25 years in the industry. Starting his career straight from school Mr Graves joined the Dunedin Branch of Royal Insurance New Zealand.

In 1985 Mr Graves arrived in Australia to secure a Broking role at an Insurance Brokerage based in Archerfield Brisbane.

Having experienced both Domestic and Commercial covers and claims in his previous role helped in assisting the change from insurer to broker which led to forging many relationships with insurance company representatives that still exist today.

In 1988 another change in direction saw Mr Graves being appointed as the Queensland representative for an English based company in the new field of Insurance Premium Funding.Over the next two years Mr Graves established S H Lock as the preferred premium funder for many Insurance Brokerage firms and their clients within Queensland.

1990 saw S H Lock withdraw from this market in a restructure of the Australian entity which had been effected by the recession of the time.

This move led to Mr Graves establishing a 5 year relationship with Centrepoint Finance which assisted his clients and established Centrepoint Finance as the leading premium funder in the state.

Mr Graves felt a need to return to Insurance Broking and in 1995 took on a new business role which led to a decision to satisfy the desire to direct his own future.

This was achieved under the banner of D F McGarry and Associates who under the Directorship of Dermot McGarry were recognised locally as a strong integrity based metropolitan brokerage.

This was the basis for a successful partnership which led to Mr Graves becoming a director in 2000. 2007 saw the retirement of Dermot McGarry and two important new partnerships emerged. Mark Sandow joining the business as a joint managing director along side Mr Graves and the decision for the business to join the Austbrokers network (Austbrokers Holdings Limited).

The retirement of Clayne Sargant from Citycover (Aust) Pty Ltd in 2008 provided an opportunity for Mr Graves and Mr Sandow to purchase this brokerage which was another successful business within the AHL Group.

2009 saw yet another purchase of the Scarborough Insurance Brokers portfolio which completes the business as we know it today.  

Mark Sandow

Mark Sandow is joint Managing Director for Citycover and has been working in the insurance industry for over 32 years with experience in underwriting, broking, sales and management. He is a Certified Insurance Professional and has worked in the Adelaide and Riverland areas in South Australia and also in Melbourne and Brisbane. His career commenced with the GRE Insurance Ltd. in Adelaide....

Mr. Sandow has assumed many management roles over the years. Prior to buying into DF McGarry & Associates, he was the Regional Manager for Zurich Financial Services and was responsible for their Queensland Operations. With Zurich Financial Services, he undertook a variety of management roles and was a valued member of their team.

A graduate of the Australian Institute of Management, Mr. Sandow is also a Senior Associate of the Australian and New Zealand Insurance and Finance Institute. Mr. Sandow became the joint Managing Director of DF McGarry & Associates in January of 2007 and he then became the joint Managing Director of Citycover and one of the primary shareholders in January of 2008 and is currently working in this same position.

Mr. Sandow’s higher education includes attending and graduating from Adelaide’s John Clements Business College with Qualifications in Marketing, Finance and Business. He has worked extensively in all areas of General Insurance with a particular emphasis on handling the placement of Business through Intermediaries whilst working for Underwriting Companies and now looking after Citycover's client's needs.....

Mark Sandow is a focused broker whose primary interest is achieving the best results for his clients. In addition to his insurance acumen, he also has an interest in giving back to the community and is involved regularly in charity work making himself available for annual charity events.

He is married with two children. When he is not working, he spends his time involved in various activities. He enjoys the watching the AFL, travel, sports, home renovations, boating and spending time with his family and friends, enjoying good food and wine.

Stewart Harker

Stewart Harker has worked in the insurance industry for over 24 years. He first began at Citycover as an Office Junior and then became a Qualified Professional Insurance Broker in 1988. He was in charge of a small portfolio of insurance which eventually grew into a substantial amount of assets.

In 1997, Mr. Harker’s role changed with Citycover and he became the Administration Manager for the company. With this change, he decided to relinquish most of his clients to assume this important management role.

In 2002, Mr. Harker embarked on a new journey with Citycover and decided to purchase some shares of the company. This investment in the company grew into being promoted to a Director of Citycover. He has been in this capacity ever since.

In this new capacity, Mr. Harker overlooks one of the larger portfolios that the company manages. He has a wide variety of clients and is enlivened by the complexities and challenges that each unique client brings to the table. In addition to portfolio management, he is also in charge of handling Accounts for Citycover.

His other work experience includes a Senior Associate position with Australian and New Zealand Insurance and Finance Institute.

His passion for working with his clients is deeply rooted in his years of experience as an Insurance Broker. He has worked in a variety of different positions and has worked through many different types of scenarios and has the knowledge to be able to bring about the best outcomes. He thrives on special requests from his clients that require him to flex his creative muscle. His methods are based in integrity and honesty and he does his utmost to understand his clients’ needs and wants to make sure that they are taken care of.

Mr. Harker is married with two children and when he is not working, he enjoys spending time with his family and playing all manner of sports, especially golfing.