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  • Buildings and contents should be insured at the present replacement cost.
  • Building values should be inclusive of professional fees, debris removal & all taxes.
  • Policy penalties are applied when you underinsure. The percentage insured is the percentage paid.
  • Valuables are fully covered only when supported by valuations.
  • Electronics are fully covered only when a listing is provided.
  • Jewellery is usually limited to $500 per item and a maximum of $2,500 unless valuations are provided.
  • Electronics are usually limited to these values unless model and serial numbers are provided.
  • Items which you require cover away from the home should be noted.
  • The hurricane, earthquake and volcanic eruption deductible in the Eastern Caribbean is 2% of your insured value.


  • Before allowing someone to drive the Insurers should be contacted for approval.
  • All drivers’ licenses must be current.
  • All non-nationals must have visitor’s permits.
  • Drivers under 25 years, driving less than 3 years or undeclared carry very high deductibles.
  • Fit to drive medical certificates may be requested from age 65.


  • Never accept liability.
  • All incidents must be reported immediately.
  • Always secure all damaged property.
  • Take all reasonable steps to mitigate loss.
  • Take contact information for independent witnesses.
  • Document all related expenses.
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