Motor
You know you need insurance before you can operate any kind of motor vehicle, not just because it’s the law, but because you also need to protect yourself financially in case of a mishap. We make it easy for you to choose the auto insurance coverage that fits your personal or business requirements.
Commercial and private motor policies cover the minimum liability limit required under the Road Traffic act of The Cayman Islands with respect to the death of, or bodily injury to, third parties.
In addition, the policy may cover accidental loss of or damage to the motor vehicle as well as legal liability for third party property damage and bodily injury to passengers in the insureds’ vehicle.
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Property
Commercial
Whether you operate a plumbing supply or a restaurant, the one thing all businesses have in common is there is always a possibility of loss, injury or damage which can force them out of business. Proper insurance coverage is as important to the long-term success of your operation as your supply chain and customers.
Cayman First commercial lines provide financial protection against loss of or damage to buildings, equipment, stock, contents caused by fire, lightning, explosion, riot and strike, malicious damage, impact by aircraft road vehicles or animals, burst pipes, flood, hurricane, cyclone, tornado, windstorm, tidal wave and earthquake.
Homeowners
If you are like most homeowners, you will probably never need to submit an insurance claim. But no one is immune to misfortune, so it’s good to know that you will be reimbursed, within limits, for your financial loss arising from mishaps that are generally “sudden and accidental” and hard to predict and prevent.
We protect you against loss of or damage to your house and its contents caused by fire, lightning explosion, riot and strike, malicious damage, impact by aircraft, road vehicles or animals, burst pipes, theft or attempted theft, flood, hurricane, cyclone, tornado, windstorm, tidal wave and earthquake. Accidental damage to underground pipes and cables and glass and sanitary ware are also covered. Your policy also includes cover for public liability, personal liability and employer’s liability up to a limit of $500,000 for any one loss.
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Group Health
Cayman First began offering group health insurance in the Cayman Islands in 1999, and is now a major carrier in the local market.
Your well-being and peace of mind are our business, and as such, we provide a wide range of affordable group insurance products that are easy to understand and designed to satisfy your needs so you can relax in the knowledge that you are fully covered.
Additionally, we support your resolution to stay healthy with plan-based wellness programmes developed in co-operation with local health care professionals on a continued basis.
We have partnered with several local providers through our Preferred Provider Network to keep costs to our clients as low as possible.
With our U.S. based Third Party Administrators, Quality Health Management (QHM) we have pre-negotiated discounted rates with health care providers in the U.S, and this mean lower costs to you. Some of our health plans cover 100 per cent of your medical bills for overseas treatment which is paid directly to the providers. On other plans, you only need to pay the coinsurance amount and the balance is billed directly to us.
Through our networks, we provide patient access to over 560,000 health care providers in the USA and worldwide. We also have network providers in Honduras, the UK, the Philippines and Jamaica, which serve a large number of guest workers in the Cayman Islands. The list of providers is continuously being enhanced.
In addition to offering the best in group health insurance coverage to the people of the Cayman Islands, Cayman First also offers:
- Group Life and Accidental Death & Dismemberment
- Group Short-Term Disability
- Group Long-Term Disability
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