Our Services

Safeguard what matters most. Explore our tailored insurance plans for peace of mind and a secure future.

Employer's Liability

Every employer needs to protect their business from possible lawsuits resulting from persons in their employ being injured during the course of carrying out their duties.  This injury may also include contracting work-related illnesses or even death. It is important to have Employer’s Liability coverage as these types of events sometimes occur due to negligence on the part of the employer and the resulting legal costs are variable and has the potential to reach very high amounts based on the nature of the injury. 

There are cases in Jamaica where companies have had to close down their operations because of massive payouts relating to lawsuits filed by employees, who were injured in the course of their duties.  In addition, Jamaica is becoming a more litigious country and it has been observed that employees are more frequently filing claims for injuries that would have once been overlooked. An employer who is faced with the legal responsibility to pay out-of-pocket for damages to an injured employee may face serious financial strain. Get covered today.

Commercial Property

Commercial property insurance protects the business from losses that can be sustained from damages caused by natural disasters, perils and a myriad of hazards such as fire, riots, theft, earthquake, hurricanes, lightening, and even purposeful and intentional damage by others.  Coverage is not only on real property but extends to plant and machinery, equipment, materials, company furniture, goods or stock for sale and fixtures and fittings. Get covered today.

Contractor's All Risk

This policy provides coverage for property damage and third-party injury or damage claims arising from construction projects.  Damage to property can include but is not limited to, improper construction of structures, the damage that happens during a renovation, and damage to temporary work erected on-site. Get covered today.

Individual Life Insurance

Individual insurance refers to any policy that is chosen and paid for by the policyholder.  You therefore have the opportunity to choose which product you wish to buy unlike Group Insurance where the choice is made for you.

Everyone needs Individual Life Insurance.  If there is someone who depends on you and your income, you need life insurance. Persons with children under the age of 18 or who have ageing parents who depend financially upon them also need life insurance. 

Consider what will be the fate of your loved ones if tomorrow you are no longer around to provide financially for them?   Your life insurance portfolio should be sufficient to take care of all of your final expenses so that you do not leave your loved ones in debt and also provide sufficiently for them because their life will continue. Unfortunately when you die, your debts do not die with you.  Therefore, it is imperative that there be sufficient coverage in place to safeguard and protect your family.

Individual Insurance

Employee Benefits

Every employer is interested in having a healthy workforce with a healthy sense of well-being as this can bring about not only promoting a healthy lifestyle for their employees but in turn reduces absenteeism and improves overall productivity. As the name suggests, Employee Benefits insurance gives employers an added advantage by improving their employee compensation plan with benefits that directly impacts their quality of life and this can also be extended to their families.  Under employee benefit plans, an employer can provide coverage for their workers with group life insurance plans, group health insurance plans as well as personal accident and pension plans.