Caribbean Insurers Ltd.

Caribbean Insurers Ltd. Trusted by the BVI since 1973. Matching you with the right A-rated insurance for your home, auto, business, health & marine needs.

Message us QUOTE to get yours hassle-free NOW. Since 1973, CIL has protected what matters most for the BVI. We provide A-rated insurance coverage tailored to your life and business needs, with our fast, fair local claims team ready to get you back on your feet when it counts. With over 30 experienced staff, specialist expertise in property, marine, health and professional indemnity insurances, and

true commitment to our local community, we’re the BVI insurance agency that’s on your side—before, during and after disaster strikes. Call us for a no-obligation quote today at (284) 494 2728 or email us at [email protected]. You can also visit us at https://www.caribbeaninsurers.com/.

Charter captains carry a lot of risk every season.Storms, wear, and the unexpected can put your vessel, and your income,...
04/09/2026

Charter captains carry a lot of risk every season.

Storms, wear, and the unexpected can put your vessel, and your income, on hold.

With over 50 years of BVI marine expertise, CIML helps you get back to work fast. Email us at [email protected] today.

Nobody wants to explain their claim to a stranger overseas.Long holds. Transferred calls. A case number instead of a con...
03/09/2026

Nobody wants to explain their claim to a stranger overseas.

Long holds. Transferred calls. A case number instead of a conversation. That's what too many BVI residents have experienced with other insurers.

CIL settles claims locally. Walk into our Road Town or Spanish Town office and talk to a real neighbor.

Medical emergencies don't wait for convenient timing.If local care isn't enough, you need to get off island fast. Withou...
02/09/2026

Medical emergencies don't wait for convenient timing.

If local care isn't enough, you need to get off island fast. Without a plan, that frightening moment becomes a frantic scramble and can be financially devastating.

A simple evacuation policy handles the transfer for you, so your family can focus on what matters. Call us to find out more.

Think your whole property is covered? Check again.David did too, until he learned that outdoor fixtures are often exclud...
01/09/2026

Think your whole property is covered? Check again.

David did too, until he learned that outdoor fixtures are often excluded unless you ask for them by name. Most people only find out after a hurricane.

Talk to a CIL agent this week and know for sure. Call us to get started.

Construction costs are rising across the BVI.That means your old coverage limits may fall short if you ever need to rebu...
31/08/2026

Construction costs are rising across the BVI.

That means your old coverage limits may fall short if you ever need to rebuild. And once a storm forms, you can't fix it.

A quick valuation check with a CIL agent can close that gap now, before the season peaks. Call us today to get started.

Your business is your livelihood. So why settle for 2nd rate protection you’ve heard didn’t show up when the islands nee...
28/08/2026

Your business is your livelihood. So why settle for 2nd rate protection you’ve heard didn’t show up when the islands needed their help most.

Business insurance is about more than being protected for hurricane season. Business insurance is about having a safety net to protect you against the unexpected, everyday risks which can hurt your business’ growth—from damaged equipment, to stock loss and interrupted operations.

We understand just how important your business is to you. Which is why we want to help you explore your options and find the right A-rated insurance for your unique business’ needs.

If you have a question about protecting your business, message us , call us or visit the office—we’re more than happy to help.

When your property is your business, insurance becomes an integral part of protecting the money-generating asset you hav...
26/08/2026

When your property is your business, insurance becomes an integral part of protecting the money-generating asset you have worked so hard to build.

Even if there isn’t a hurricane this year, your business can still be hurt by other losses—like lost income, damaged equipment, interrupted operations, stock loss or financial pressure while repairs are being made.

At CIL, we want to help you find the right A-rated insurance for your individual business’ needs and we believe that insurance education is one of the best ways for us to help you.

Which is why we’ve created today’s post to help you better understand what’s covered and what’s not in your commercial property.

If you have a question about protecting your commercial property, send us a Facebook message, call us or visit the office—we’re more than happy to help.

Is your business prepared for the “what if” curveballs life can throw your way?Our advice is to find insurance that help...
25/08/2026

Is your business prepared for the “what if” curveballs life can throw your way?

Our advice is to find insurance that helps your business’ growth, supporting it through tough times and unexpected bumps along the way.

Take the time to find the right fit insurance for your business, from an insurer with a reputation of showing up when you need them and able to provide coverage as unique as your business is.

Your electricity bill received in August may have brought an unwelcome surprise. Your insurance policy shouldn’t.BVIEC h...
24/08/2026

Your electricity bill received in August may have brought an unwelcome surprise. Your insurance policy shouldn’t.

BVIEC has confirmed that higher August bills reflect record fuel costs during July.

Even though this is not an insurance event—it does offer a useful lesson about financial protection:

Costs are easier to plan for when you understand and prepare for them before they arrive.

The same principle applies to your insurance. Even when a loss is covered, your policy may include a deductible or excess that remains your responsibility.

So, whilst reviewing your August bill, take a moment to check your property or business policy too:

Do you know what your deductible would equal in dollars?

At CIL, we’re here to help you understand what you are protecting, how your policy is designed to respond and what may remain your responsibility—before you ever have to make a claim.

Message us, call us or visit our Road Town office if you would like help understanding your cover.

Address

Road Town

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+12843938920

Website

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