Property Insurance
Protect your home with a Full Comprehensive homeowners Insurance & Contents. The following items can be covered, depending on the Insurance company of choice;
-
Fire and lightning
-
Catastrophe (hurricanes & earthquakes)
-
Explosion
-
Flood and overflow of the sea
-
Malicious acts
-
Alternative accommodation
-
Loss of rent
-
Freezer contents
-
Credit card and cheque forgery
-
Domestic animals and pets
-
Landscaping and plants
-
Protection for your mortgage payment should your house become uninhabitable
-
Coverage for contents should they become damaged in the process of moving
-
Protection for household items in storage
-
Servants’ and visitors’ personal effects on your premises
-
Money, bullion, bank notes, medals, curios
-
Unspecified special possessions
-
Gold, platinum, jewelry, silver & furs (further limited for Theft)
-
Public liability coverage premises risk
-
Medical coverage
-
Death coverage
-
Travel coverage
-
Disability benefit
-
Burglary
Contractors All Risk Insurance (CAR)
Contractors all risk is a nonstandard coverage that combines coverage for damage to your project and can include third-party liability arising out of the project into one single policy. Covered parties include you as the project owner, the general contractor, subcontractors, and in some cases suppliers of materials and equipment.
The liability component of CAR insurance addresses the legal liabilities that may arise during your construction operations. It covers third-party bodily injury and property damage claims, which are critical concerns on any construction site. This part ensures that, in the event of an accident causing injury to a third party or damage to third-party property, the policyholder is protected against potentially crippling financial liabilities.
Motor Vehicle Insurance
Motor Vehicle Coverage supports you when there is loss/damage to your vehicle by accidental collision/overturning, fire, burglary or malicious acts, and third party liability. Motor Vehicle Coverage covers damage to your vehicle by accident, fire or theft, and Third Parties damages to their property, inclusive of injury and death.
With motor vehicle Coverage you can include Personal Accident coverage. This extra benefit compensates you and your passengers for injuries or death arising from a car accident.
Examples of other additional Coverages are:
-
Windscreen
-
Special Perils
Life Insurance
The main purpose of life insurance is to financially protect your family after you pass away. It ensures that your dependents will have the financial resources needed to maintain their lifestyle, and are able to pay for their obligations, like the mortgage or rent.
There are various different types of life insurance available to meet all sorts of needs and preferences. Depending on the short- or long-term needs of the person to be insured, the major choice of whether to select temporary or permanent life insurance is important to consider.
Please find below the 3 most common used ones:
-
Term life insurance is designed to last a certain number of years, then end. You choose the term when you take out the policy. Common terms are 10, 20, or 30 years.
-
Decreasing term life insurance is renewable term life insurance with coverage decreasing over the life of the policy at a predetermined rate
-
Renewable term life insurance provides a quote for the year the policy is purchased. Premiums increase annually and are usually the least expensive term insurance in the beginning.
Health Insurance
There is nothing more important than your health and the wellbeing of your family. Medical treatment can run into thousands of dollars in the event of illness, so it is vital that you make an informed decision about your health insurance to avoid unnecessary financial risk. The best way to guarantee peace of mind is to make sure that you place your family’s health in the hands of a specialist in medical insurance.
-
Health insurance pays most medical and surgical expenses and preventative care costs in return for monthly premiums.
-
Generally, the higher the monthly premium, the lower the out-of-pocket costs.
-
The offered health plans have various deductibles and also with no deductibles
-
24 hours quick claim service
-
International evacuation & repatriation
-
Individual & group policies
-
More
Marine Insurance
A Marine Insurance coverage provides protection of your precious pleasure crafts at sea within the Caribbean water in the instance of unexpected or natural disasters, and accidents. From the smallest dinghy to the longest sailboat, Marine Insurance will cover your vessel at sea or on land.
