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About Us

Sea to Sky Insurance has over 12 years of industry experience in varied markets. We started out on a journey to re-invent the insurance business, by creating a company that efficiently and carefully works with clients to deliver custom-tailored coverages for any need. 


Currently serving clients in Colorado, Sea to Sky provides risk management advice, while searching the insurance marketplace to ensure that clients are getting the optimal coverage for their specific needs.  


Sea to Sky Insurance implements technology to provide our clients a user friendly experience. From the discovery to the proposal.  Each individual risk is unique. 


Our strategy is to get you a comprehensive explanation of your potential coverages, presented to you in a consultative manner.  We have found that this is easier for our clients to digest, and helpful for anyone who wants to truly understand their risks and liabilities, and how to manage them through insurance.


We thrive on being able to give our clients a product that is truly in their best interest; as a broker, we give objective, impartial advice. 


Let us help you write your own story, by protecting what matters to you.

Matthew Gardner


Hello! My name is Matthew! I would like to share a little bit about myself with you. If there is sun, water, and adrenaline involved, SIGN ME UP. Some of my favorite activities include skiing, hiking ,woodworking, gardening and fishing. If it has an engine, I am all in!  I enjoy motorcycles, dirt bikes, boats, and jet skis. I thoroughly enjoy living life to the fullest. I spend my free time traveling this beautiful planet, and preparing food for my friends and family. I was born in Peoria, Illinois. Shortly thereafter my father’s job moved Gardner family to Vancouver, British Columbia. The Gardner family then moved to Charlotte, North Carolina, and eventually Raleigh, North Carolina. After the kids of the family were out on their own, my father moved to Santiago, Chile on a job assignment, and I moved to South Florida. I have been a resident of Colorado since August of 2017. Living amongst varied cultures and climates has helped mold me into the person I am today. It has also helped me hone my skills in the insurance and risk management industries.

Olivia Marshall

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Olivia joined the Sea to Sky team in 2021. With previous experience in professional services marketing for both the construction and finance industries, she easily assumed a similar role within Sea to Sky. With her interest in communicating and business development, she took a huge interest in expanding the reach of the company, within the Front Range business community. 


After learning the ins and outs of the property and casualty insurance process, she became licensed in January of 2022. 

Sea to Sky plans on taking a consultative approach to serving its clients, and Olivia will be helping both homeowners, business owners and other insureds make sure that they are covered correctly. 

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