Gerrard grew up in Don Mills, a suburb of Toronto's north-east end. He attended George S. Henry Secondary School where he played trombone in band, later playing bass in a school-based 5-piece jazz fusion combo called Nemesis Fusion. Nemesis Fusion competed in two Canadian stage band festivals earning silver in 1982 and won the competition the following year when Gerrard wrote the group's original material. After high school Gerrard was a member of a band called Regatta, which released one self-titled album. He also played bass and toured with Kim Mitchell (former Max Webster lead man) and Von Groove (until the late 1990s/early 2000s).

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