Business & Commercial Covers

Standard forms of cover are available to insure against loss of or to physical assets and possessions and to secure legal liability obligations as follows:

  • Loss of or to physical assets

  • Commercial Property - Fire & Perils

  • Loss of Profits (&/Or Rental income) - Fire & Perils

  • Commercial Property - Burglary

  • Money - “All Risks” of loss or damage

  • Commercial Property & Money - Employee Infidelity

  • Glass - Breakage

  • Goods in transit - “All Risks” of loss or damage

To secure legal liability obligations:

  • Employer’s Liability

  • Public Liability

  • Products Liability

Financial and Professional Covers

We place our clients’ Financial and Professional Insurances with underwriters who specialise in providing these covers, so that we obtain the best security, both in terms of the ability of the underwriters to pay claims and their experience in dealing with the issues involved. Some of the standard policy wordings available include:

  • BANKERS INSURANCE

  • DIRECTOR’S & OFFICER’S LIABILITY INSURANCE

  • FUND MANAGERS INSURANCE

  • PROFESSIONAL INDEMNITY INSURANCE

  • TRUST ADMINISTRATORS INSURANCE

Many specialist underwriters of these covers produce their own policy wordings so that policy forms bearing the same name from different underwriters often have material differences. We ensure that the policy offered to our client addresses his needs and that he is aware of its material terms and conditions.

Health & Employee Benefits Programmes

Our working relationships with Bahamas-based health insurance providers enable us to:

  • provide consultancy services relative to the design of individual and group programmes

  • provide broking services relative to the arrangement of relevant policies.

Policies available include:

  • PERSONAL ACCIDENT

  • INDIVIDUAL HEALTH

  • GROUP LIFE & HEALTH

With each engagement we aim to meet our client’s expectations both as regards the insurance contracts we arrange and the services we provide in support of them.

Personal Covers

Our Agency Services Division deals only with our Consulting & Broking Division and third party brokers. It represents the interests of insurers and in this regard its capabilities and service offerings include:

  • HOME INSURANCE

  • PRIVATE CAR INSURANCE

  • YACHT INSURANCE