Founded in 1996 in the Cayman Islands, Island Heritage Insurance Company, Ltd. is a leading provider of personal and commercial insurance, including property, casualty, motor and yacht. In 2018, the Island Heritage Retirement Trust Company was approved as a Cayman-registered pension plan provider.

Island Heritage holds a financial strength rating of "A (Excellent)" by A.M. Best, along with a proven track record of customer service excellence throughout the Caribbean. Island Heritage is part of the BF&M group of companies - like-minded organizations with one goal in mind: providing insurance the way it should be.

We are licensed to provide insurance cover in Anguilla, Antigua, Bahamas, Barbados, the British Virgin Islands, the Cayman Islands, the Caribbean Netherlands, Dominica, Grenada, St Kitts & Nevis, St Lucia, St. Vincent & the Grenadines, Turks & Caicos and the US Virgin Islands.

JS Johnson in the agent for Island Heritage Insurance Co Ltd

Whose contents are covered?
Island Heritage Home Cover Insurance covers your contents and those of any family members living with you. This can include your spouse, children, parents, grandparents, siblings, grandchildren, in-laws, and even your domestic helper.

Do I have enough insurance?
Your Buildings must be insured for the cost of rebuilding it plus an allowance for removal of debris after a loss, in addition to any architect and surveyor fees.

What happens if my Sum Insured is too low?
If your sum insured is too low, you will be penalised when you make claim. The amount you have claimed will be reduced in proportion to the degree of under-insurance. For example, if the cost to rebuild your home is $250,000 and you are only insured for $150,000 (60% of the value of the home), we will only pay 60% of your claim, less any deductible.

What about special and valuable contents?
It is important that you tell us about valuables such as jewellery, cameras, computers and laptops. Please contact us with any questions.