Caribbean Alliance Insurance Company Limited (CAIC) is the only regional insurance company covering the Eastern Caribbean with its Head Office based in St John's, Antigua.

CAIC has a long history in the region because whilst Caribbean Alliance Insurance Company Limited as an entity was formed in 1988 from an amalgamation of insurance agencies in Anguilla, St. Kitts, Montserrat, St Lucia, Barbados, St Vincent, Grenada, Dominica and Antigua, some of the Agencies have been in business for over one hundred years. In recent years we have expanded into the following territories, British Virgin Islands, Ascension Islands and Falkland Islands.

Caribbean Alliance is rated A-(Positive) at A.M. Best, attributing our rating to our solid capitalisation, growing market presence in the Eastern Caribbean, regional expertise and our commitment to sound underwriting principles. Not everyone understands what it means to be rated by AM Best. If you are one of them, do not worry, you are not alone. A brief explanation excerpted from the AMBest.com website follows:

A Best's Financial Strength Rating (FSR) is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile.

A Best's FSR opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. A rating of A- (Positive) is assigned to companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations.

In the same manner that a house is only as strong as its foundation, an insurer is only as strong the reinsurers behind it. With that said, Caribbean Alliance is one of the strongest financial institutions in the Eastern Caribbean, backed by our reinsurance programme placed with top-rated reinsurance companies in Europe, USA, Bermuda and Lloyds.

Our Customer Service is our strength and with experienced staff based in Antigua as well as in our agencies, we are able to offer you the best in advice and products best suited to protect your assets, personal and business. We offer insurances ranging as follows:

• Home & Contents Insurance
• Auto Insurance
• Material Damage Insurance
• Business Interruption Insurance
• Theft (Business) Insurance
• Employer’s Liability Insurance
• Public Liability Insurance
• Contractor’s All Risk Insurance
• Marine Insurance
• Money Insurance
• Plant All Risks Insurance

Quality Customer Service is proven; above all else, when our customers, large and small, suffer a loss and we are there to help them recover speedily with minimum inconvenience. This service has been tried and proven having settled more than 7,500 catastrophe claims for Hurricanes and Volcanic Eruptions at a total cost in excess of EC$700 Million.

Our customers represent a who’s who of businesses throughout the region with companies in the electricity, telecommunications, restaurant, dealership, entertainment, hospitality, and financial services industries just to name a few.

In St. Lucia there are two types of people – those who worry, and those who insure with Caribbean Alliance Insurance, local agents Saint Lucia Insurances Ltd.