Caribbean Insurers Ltd.

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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/.

Why tenants still need insurance even when their landlord insures the building.If a burst pipe or another covered event ...
16/10/2026

Why tenants still need insurance even when their landlord insures the building.

If a burst pipe or another covered event damaged everything inside your rental, the landlord’s policy would not normally cover replacing your belongings. For your belongings to be protected, you need contents insurance.

Otherwise, work out how much it’d cost to replace all your belongings yourself and decide if you’re willing to pay that amount.

If you’re renting and want to hear your options , call, message or come into our office and we’ll lay out your renters’ contents-cover options.

Would comprehensive insurance pay if a pothole destroyed two tyres and cracked your rim?The honest answer is: it depends...
15/10/2026

Would comprehensive insurance pay if a pothole destroyed two tyres and cracked your rim?

The honest answer is: it depends.

Your cover may depend on what was damaged, the exclusions in your policy and your deductible or excess.

If it happens, take photographs when safe, record the location, get a written estimate and contact your insurer before approving repairs.

Want to understand how your own policy might respond ? Ask us before the next downpour—not after the bill arrives.

It’s getting nearer to that time of year again…🎄🎁This festive season, we’ve got a competition for our islands’ budding a...
14/10/2026

It’s getting nearer to that time of year again…🎄🎁

This festive season, we’ve got a competition for our islands’ budding artists or anyone aged 10 to 12 who wants to get creative.

There’s a 1st place and 2nd place cash prize for the best Virgin Islands themed Christmas card, that’s inspired by life, culture and traditions here.

Entries can be submitted online or in our office.

May the best Christmas card win! 🏆🎄🎨

Know someone who might like to take part ? Share it with them!

**entry is only for children aged 10 to 12 living in the British Virgin Islands**

If your business earned nothing for one month, who would keep paying the bills?Imagine hurricane damage forces your busi...
14/10/2026

If your business earned nothing for one month, who would keep paying the bills?

Imagine hurricane damage forces your business to close whilst repairs are completed.

Commercial property insurance may help repair covered physical damage. However, replacing lost income and paying continuing expenses usually requires business-interruption cover.

That cover must be included in your policy—and its limits, waiting periods and conditions matter.

At CIL, we help BVI business owners find protection suited to their unique business needs and help them understand how their protection is designed to work before they have to rely on it.

Message us, call us or visit our Road Town office if you would like us to walk you through your commercial cover.

Paid the clinic—but still waiting to be paid back?Sometimes a medical claim is delayed because an important detail or do...
13/10/2026

Paid the clinic—but still waiting to be paid back?

Sometimes a medical claim is delayed because an important detail or document is missing.

Before leaving your next appointment, check that you have:

—An itemised receipt

—Any medical code required by your plan

—A completed and signed claim form

Take a clear photograph of everything before submitting it.

Different insurers may request different documents, so message, call or visit us if you would like us to confirm what your claim needs.

Save this checklist in your camera roll for your next clinic visit.

When heavy rain causes property damage, what does your policy actually cover?On 6 October, an unnamed tropical wave caus...
12/10/2026

When heavy rain causes property damage, what does your policy actually cover?

On 6 October, an unnamed tropical wave caused more than 100 incidents in St Vincent, including flooding, landslides and damage to homes and businesses.

This was not a BVI event—but it is a useful reminder that “no named storm” does not mean “no property risk.”

Different types of water and ground damage may be treated differently by your policy. So check your policy now, before heavy rain puts it to the test.

Message, call or visit CIL if you would like us to explain what your cover says.

Would third-party insurance repair your car if a branch fell on it?No. Third-party cover protects you against covered in...
09/10/2026

Would third-party insurance repair your car if a branch fell on it?

No. Third-party cover protects you against covered injury or damage caused to somebody else—not damage to your own vehicle.

Comprehensive insurance can also protect your car against accidental damage, fire, theft and insured weather events, subject to the policy’s terms and deductible or excess.

That does not mean every older car needs comprehensive cover.

It means the decision should be based on more than car’s age or the cheapest premium, asking yourself instead:

Could I afford to repair or replace the vehicle myself?

Before renewing, ask CIL to compare both options and explain exactly what each one would—and would not—protect.

Would your car insurance pay for the work equipment inside your trunk?The vehicle and the items inside it may not be pro...
08/10/2026

Would your car insurance pay for the work equipment inside your trunk?

The vehicle and the items inside it may not be protected by the same policy.

If you earn money using DJ equipment, cameras, catering supplies, beauty tools or other specialist gear, your cover can depend on:

—Where the equipment was stolen

—Whether business use was declared

—The policy’s limits and conditions

—Whether specific equipment cover was added

Do not wait until your kit disappears to find out.

List your equipment, keep proof that you own it and ask CIL which policy would respond in this exact situation.

Would your motor policy respond if your visiting friend was driving?Handing over your keys may feel casual. Discovering ...
07/10/2026

Would your motor policy respond if your visiting friend was driving?

Handing over your keys may feel casual. Discovering they were not covered would not.

Do not assume their UK car insurance, travel insurance or your permission is enough. Your own policy may include named-driver, age, licence or driving-experience conditions.

Before they drive, ask CIL to confirm:

—Whether they are permitted

—Whether their licence is accepted

—What deductible or excess would apply

Message us before handing over the keys. It is much easier to check the policy before an accident than test it afterwards.

Could you remember everything inside your home after a storm?Most people could not—especially while dealing with damage....
06/10/2026

Could you remember everything inside your home after a storm?

Most people could not—especially while dealing with damage.

A quick room-by-room video can help show what you owned and support a contents claim. It does not guarantee payment, but it can make the evidence-gathering process much easier.

Open your cupboards, film slowly, name valuable items and save the video somewhere your phone cannot take with it.

Renters: do not assume your landlord’s policy protects your belongings.

Homeowners: check that your policy includes enough contents cover for what you own today.

Save this post, complete your video audit and ask CIL if you need help understanding your contents protection.

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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