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Raymond Fournier

President and Chief Operating Officer
Guardian Insurance Company

Raymond L. Fournier, CIC serves as the Chief Operating Officer and President of Lockhart Insurance of Lockhart Caribbean Corporation (also known as Lockhart Companies Incorporated). Mr. Fournier has been President of Guardian Insurance Company, Inc. since., 1996. He has been the President of Guardian Insurance Co since., 1996 and Heritage Insurance Co., since 1993. He has completed training programs in reinsurance and insurance at the Cologne Reinsurance Company (Koelnische Rueckversicherungs Gesellschaft), Cologne, Germany, and D. G. Durham Ltd., at Lloyd's of London. He has been a Director of Guardian Insurance Company, Inc. since 1993. He is also a member of the Society of Certified Insurance Counselors, Member of the Board of Directors of the St. Thomas and St. John Chamber of Commerce, and chairman of the VI Insurance Guaranty Association. Mr. Fournier received a BA Degree in economics and finance from Clark University.

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