Products

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Motor Vehicle Insurance

Comprehensive protection for personal and commercial vehicles with three tiers of cover.

What's covered

Collision damage
Theft
Fire
Third-Party Property Damage
Acts of God
Windscreen damage
Third-Party Liability
Passenger Liability

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Property Insurance

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Types of cover

Residential building & household contents
Commercial building & contents
Stock, equipment and machinery
Burglary
All Risks
Computer / Equipment Breakdown
Contractors Insurance

Perils covered

Acts of God
Fire
Malicious damage
Property Owners Liability
Tenants Liability
Tenants Improvement
Other risks of physical loss or damage

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Health Insurance

Individual and group plans with dental, optical, overseas and critical-illness benefits. Generous benefit levels with supplemental options.

Plan benefits include

Dental & Optical
Overseas coverage
Critical Illness benefits
Supplemental benefits available

Available to

Co-operative members
Credit Unions
JCIA policyholders
Employee groups
Friendly Society groups

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Travel Insurance (Worldwide)

24-hour cover for travellers and their luggage anywhere in the world — medical, baggage, evacuation and trip interruption in a single policy.

Premium & coverage

Medical expenses
Lost or delayed luggage
Emergency medical evacuation
Trip interruption
Accidental Death & Dismemberment
Prescription medication
24-hour coverage

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Group Life & Personal Accident

Affordable life and personal-accident cover including Accidental Death & Dismemberment, Medical Reimbursement and Weekly Benefit for temporary injury — up to 100 weeks.

Premium & coverage

J$450/ month

Paid annually · Cover from J$1M to J$5M per person · Eligibility up to age 69

Eligibility

Credit union members
Co-operative members
JCIA policyholders
TIP Friendly Society members

Key features

Plan ends upon death (no age limit)
Supplemental Critical Illness available
Conditions apply on maximum cover
Weekly Benefit up to 100 weeks

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Marine, Aviation & Transit

Cover for goods and craft in transit — across land, sea and air — for commercial cargo, vessels and pleasure craft.

Covers

Land transit risks
Sea transit risks
Air transit risks
Marine cargo
Motor boats
Pleasure craft
Commercial vessels

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Liability Insurance

Protection for the people and decisions behind your business — from boardroom directors to professional advisors and cyber exposures.

Covers

Directors & Officers Liability
Cyber Crime Risks Liability
Public / Products Liability
Employees Liability
Professional Indemnity
Errors & Omissions
Goods held in Trust or on Commission

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Pecuniary Loss

Specialist cover for financial-loss exposures — money on the move, employee dishonesty, performance bonds and consequential loss of profit.

Covers

Money in Transit & on location
Bankers Bonds
Fidelity Guarantee (Employee Dishonesty)
Consequential Loss (Loss of Profits)
Performance Bonds
Bid Bonds

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Risk Management Solutions

An advisory engagement, not just a policy. We help you understand where you are exposed and design the cover and mitigation strategy that matches your operations.

We assist with

Identifying levels of risk exposure across operations
Using insurance as a risk-management tool — options and trade-offs
Designing and recommending risk-mitigation solutions

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Premium Financing

Spread the cost of an annual premium across manageable monthly instalments through our financing partners — so cash flow doesn’t dictate your level of cover.

We assist with

Choose the policy that fits your needs
Apply through one of our approved financing partners
Pay your premium monthly instead of in one lump sum
Keep continuous cover with no break in protection

Claims Assistance

Most claims must be notified within days of occurrence. For motor claims, please have the following ready when you contact us:

Motor Vehicle Details / Certificate
Driver’s License
Certificate of Fitness
Pictures of the accident and details of the other motorist / vehicle, where available

Renewals & Online Payments

All personal-lines policies can be renewed or paid online — night or day. Policy number is required as the payment reference.

Eligible for online renewal

All motor policies
Travel
Group Life
Health & Personal Accident

Payment options

Direct Deposit (Sagicor)
Electronic Funds Transfer
Credit / Debit Card
Cheque
In-branch payment
Online e-commerce

Products

Motor Vehicle Insurance

What's covered

Property Insurance

Types of cover

Perils covered

Health Insurance

Plan benefits include

Available to

Travel Insurance (Worldwide)

Premium & coverage

Group Life & Personal Accident

Premium & coverage

J$450/ month

Eligibility

Key features

Marine, Aviation & Transit

Covers

Liability Insurance

Covers

Pecuniary Loss

Covers

Risk Management Solutions

We assist with

Premium Financing

We assist with

Claims Assistance

Renewals & Online Payments

Eligible for online renewal

Payment options

KINGSTON

MANCHESTER

ST. JAMES

ST. ELIZABETH

Products

Motor Vehicle Insurance

What's covered

Property Insurance

Types of cover

Perils covered

Health Insurance

Plan benefits include

Available to

Travel Insurance (Worldwide)

Premium & coverage

Group Life & Personal Accident

Premium & coverage

J$450/ month

Eligibility

Key features

Marine, Aviation & Transit

Covers

Liability Insurance

Covers

Pecuniary Loss

Covers

Risk Management Solutions

We assist with

Premium Financing

We assist with

Claims Assistance

Renewals & Online Payments

Eligible for online renewal

Payment options

Stay informed.

KINGSTON

MANCHESTER

ST. JAMES

ST. ELIZABETH