Central America & Caribbean · LC · XCD
Saint Lucia
53 licensed entities supervised by the Financial Services Regulatory Authority.
Verified against the regulator register /api/v1/countries/saint-lucia.json
- Listed insurers
- 53
- Insurance classes
- 4
- Groups present
- 14
A sense of place
Beyond the numbers.
Heritage, places of work and the landscapes that connect them. Three selected references behind this artistic portrait.
Heritage & placePigeon Island (Saint Lucia)Cities & connectionsCastriesLand & waterPitons (Saint Lucia)
Local names, languages & illustration notes
Selected local names and languages, with links to the references behind this artistic composition.
Saint Lucia
- English
- Saint Lucia
Name reference: mledoze/countries · ODbL data · ODbL licence. Flag artwork: flag-icons · MIT.
By class of business
Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.
By ownership
Verification log
Verified - full register · FSRA Saint Lucia: (1) "Insurance Companies - Regulated Entities", "ALL registered Insurance Companies as at July 31, 2025", 25 numbered rows in three table images (Registered_Insurers_as_at_July_31_2025_*.png), https://www.fsrastlucia.org/index.php/insurance-pensions/insurance-companies/regulated-entities; (2) "Association of Underwriters - Regulated Entities" (as at 31 March 2017, 1 entry: Lloyd's Underwriters); (3) "International Insurance - Regulated Entities" (undated: 3 ICCs, 10 incorporated cells, 14 international insurance companies). All retrieved 2026-09-26.
Domestic rows are exactly the 25 numbered FSRA rows, with class taken from its "Class of Business" column. Beacon is "General & Long-term" = C. Three companies are under judicial management: British American, CLICO International Life, St. Lucia Motor & General. Lloyd's comes from a separate FSRA page dated 2017. The 27 international rows are exactly the FSRA international list, all coded K: subclass 1 = pure captive, subclass 2 = broad captive. That page is undated and uses licence numbers. An older undated FSRA article ("Inusrance Companies") lists former names (Sun General, United Insurance, Scotia Insurance EC, EC Global, Great Northern); these were not used. Domestic parents are market knowledge, flagged per row.
Licensed insurers in Saint Lucia
| Company | Class | Parent / group | Ownership | Regulator | Verification | Popularity |
|---|---|---|---|---|---|---|
| British American Insurance Company Ltd Class: "Long-term, Industrial Life & Personal Accident". Register: Under Judicial Management (judicial manager Frank Myers). Parent from market knowledge, not stated in the register. | LLife | CL Financial | Foreign multinational | FSRA | Verified | — |
| CLICO International Life Insurance Company Limited Class: "Long-term & Personal Accident". Register: Under Judicial Management (judicial manager Richard Surage). Parent from market knowledge, not stated in the register. | LLife | CL Financial | Foreign multinational | FSRA | Verified | — |
| CUNA Caribbean Insurance OECS Limited Class: "Long-term". Parent from market knowledge, not stated in the register. | LLife | CUNA Caribbean | Foreign multinational | FSRA | Verified | — |
| Demerara Mutual Life Assurance Society Ltd Class: "Long-term". Parent from market knowledge, not stated in the register. | LLife | Demerara Mutual | Mutual / cooperative | FSRA | Verified | — |
| GK Life Insurance (Eastern Caribbean) Limited Class: "Long-term". Parent from market knowledge, not stated in the register. | LLife | GraceKennedy | Foreign multinational | FSRA | Verified | — |
| Guardian Life of the Caribbean Limited Class: "Long-term". Parent from market knowledge, not stated in the register. | LLife | Guardian Group | Foreign multinational | FSRA | Verified | — |
| Guyana & Trinidad Mutual Life Insurance Company Ltd. Class: "Long-term & Personal Accident". Parent from market knowledge, not stated in the register. | LLife | GTM | Mutual / cooperative | FSRA | Verified | — |
| NAGICO Life Insurance (EC) Limited Class: "Long-term". Parent from market knowledge, not stated in the register. | LLife | NAGICO | Foreign multinational | FSRA | Verified | — |
| Pan-American Life Insurance Company of the Eastern Caribbean, Ltd. Class: "Long-term & Personal Accident". Parent from market knowledge, not stated in the register. | LLife | Pan-American Life | Foreign multinational | FSRA | Verified | — |
| Sagicor Life (Eastern Caribbean) Inc.TSX: SFC Class: "Long-term & Personal Accident". Parent from market knowledge, not stated in the register. | LLife | Sagicor | Foreign multinational | FSRA | Verified | — |
| Caribbean Alliance Insurance Co. Ltd. Class: "General". Ownership not researched. groupTypeCode defaulted. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| CG United Insurance Ltd Class: "General". Address c/o J E Bergasse Bldg. Ownership not researched. groupTypeCode defaulted. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| CGI Consumers' Guarantee Insurance Company Limited Class: "General". Ownership not researched. groupTypeCode defaulted. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| Eastern Caribbean Insurance Ltd Class: "General". Laborie Street, Castries. Saint Lucia-based. Ownership not researched. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| GK Insurance (Eastern Caribbean) Limited (formerly EC Global Insurance Company Ltd) Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | GraceKennedy | Foreign multinational | FSRA | Verified | — |
| Guardian General Insurance Limited Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | Guardian Group | Foreign multinational | FSRA | Verified | — |
| Guyana & Trinidad Mutual Fire Insurance Company Ltd. Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | GTM | Mutual / cooperative | FSRA | Verified | — |
| Island Heritage Insurance Company Limited Class: "General". Register address Grand Cayman; contact emails @bfm.bm. Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | BF&M | Foreign multinational | FSRA | Verified | — |
| M&C General Insurance Company Ltd Class: "General". Bridge Street, Castries. Part of the M&C group of Saint Lucia (market knowledge). Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | M&C Group | Domestic private | FSRA | Verified | — |
| Nagico (St. Lucia) Ltd Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | NAGICO | Foreign multinational | FSRA | Verified | — |
| Sagicor General Insurance Inc.TSX: SFC Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | Sagicor | Foreign multinational | FSRA | Verified | — |
| St. Lucia Motor & General Insurance Co. Ltd Class: "General". Register: Under Judicial Management (judicial manager Richard Surage). Saint Lucia-based. Ownership not researched. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| The Beacon Insurance Company Ltd. Class: "General & Long-term". Parent from market knowledge, not stated in the register. | CComposite | The Beacon Insurance Company | Foreign multinational | FSRA | Verified | — |
| The New India Assurance Company (T&T) LtdNSE: NIACL Class: "General". Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | New India Assurance | Foreign multinational | FSRA | Verified | — |
| West Indies General Insurance Co. Ltd. Class: "General". Colony House, Castries. Saint Lucia-based. Ownership not researched. | GGeneral (Non-life) | Parent not named in register | Domestic private | FSRA | Verified | — |
| Lloyd's Underwriters Registered Association of Underwriters, classes "General"; the FSRA page is dated as at 31 March 2017. Parent from market knowledge, not stated in the register. | GGeneral (Non-life) | Lloyd's | Regional / multilateral | FSRA | Verified | — |
| Reliant Re Insurance ICC, Inc. Licensed Incorporated Cell Company, licence ICC/A1/001; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Cell Insurance Group ICC, Inc. Licensed Incorporated Cell Company, licence ICC/A1/002; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Reliant Group and Casualty Insurance ICC, Ltd. Licensed Incorporated Cell Company, licence ICC/C2/001; International Insurance Act Cap. 12.15. Class C subclass 2: general and long-term, broad captive (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Desert Sierra Property & Casualty IC, Ltd. Registered Incorporated Cell, certificate IC-A1/2016/001; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| SG Risk IC Ltd Registered Incorporated Cell, certificate IC-A1/2016/015; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Beefish IC, Ltd Registered Incorporated Cell, certificate IC-A1/2019/006; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| CMA International Cargo Risk IC, Ltd Registered Incorporated Cell, certificate IC/A1/2019/011; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Selrahc Mutual Assurity IC, Ltd Registered Incorporated Cell, certificate IC-A1/2020/005; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| ORM IC, Ltd. Registered Incorporated Cell, certificate IC-A1/2021/008; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Creigler Island IC, Ltd. Registered Incorporated Cell, certificate IC-A1/2021/009; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| FRM IC, Ltd. Registered Incorporated Cell, certificate IC-A1/2022/010; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| BCRM IC, Ltd. Registered Incorporated Cell, certificate IC-A1/2023/013; International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Alqimi Group Insurance IC, Ltd. Registered Incorporated Cell, certificate IC-C2/2016/001; International Insurance Act Cap. 12.15. Class C subclass 2: general and long-term, broad captive (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Fidelity Risk Management Co. Inc. Licensed International Insurance Company, licence IIC/002 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Ansa Re Limited Licensed International Insurance Company, licence IIC/003 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. Name suggests the ANSA McAL / TATIL group (Trinidad); not stated in register. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Atlantic United Insurance Company Licensed International Insurance Company, licence IIC/004 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Panacea Insurance Company Ltd. Licensed International Insurance Company, licence IIC/005 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Tatil Re Limited Licensed International Insurance Company, licence IIC/009 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. Name suggests the ANSA McAL / TATIL group (Trinidad); not stated in register. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| First General Insurance Limited (formerly Megabash Insurance Limited) Licensed International Insurance Company, licence IIC/011 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Indies Insurance Company Ltd. Licensed International Insurance Company, licence IIC/015 (A1); International Insurance Act Cap. 12.15. Class A subclass 1: general business, restricted licence for pure captives (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Caribbean Catastrophe Insurance Co. Inc. (formally Adams Insurance Company) Licensed International Insurance Company, licence IIC/019 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Westmoreland Casualty Insurance Company Ltd. Licensed International Insurance Company, licence IIC/021 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| CDG Insurance Company Ltd Licensed International Insurance Company, licence IIC/026 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Paxton Insurance Ltd. Licensed International Insurance Company, licence IIC/031 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| API Insurance Company Inc. Licensed International Insurance Company, licence IIC/036 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| Crater Assurance, Ltd. Licensed International Insurance Company, licence IIC/037 (A2); International Insurance Act Cap. 12.15. Class A subclass 2: general business, broad captive insuring third-party risks (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
| The Fiduciary Insurance Company Limited Licensed International Insurance Company, licence IIC/006 (C2); International Insurance Act Cap. 12.15. Class C subclass 2: general and long-term, broad captive (FSRA overview definitions). Owner not named. | KCaptive / Risk retention group | Parent not named in register | Corporate parent (captive) | FSRA | Verified | — |
No insurers match that filter.
Popularity is an estimate of how often people search Google for each insurer, from 0 to 100; the bars show how confident the estimate is. Not a rating of the insurer. How the index works
Central America & Caribbean
