About Us

Founded in 1996 in the Cayman Islands, Island Heritage Insurance Company, Ltd. offers property, casualty, motor, yacht and commercial insurance throughout the Caribbean.
With a proven track record, an A.M. Best financial rating of “A (Excellent)”, and backing from some of the most respected names in global reinsurance, Island Heritage is a leading insurance provider across the Caribbean. 
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 and are a wholly-owned subsidiary of Bermuda-based insurance group, BF&M Limited.


Island Heritage Insurance Company, Ltd.
has a Best’s Credit Rating of A, effective October 6, 2016

What We Offer


Island Heritage Home or Strata Insurance, Motor Insurance, Yacht Insurance and Commercial Insurance policies provide you with the essential protection and depth of cover you need.

As an Island Heritage customer you will benefit from excellent rates and first-class features. Customise your policy by choosing an excess/deductible plan that suits you.

Our Motor Insurance customers can now expect even more. Contact us to find out more about our Heritage Plus, Roadside Assistance, Heritage Hospitalization & Personal Accident and many more benefits.

Corporate Background

Island Heritage House

Island Heritage has over $100 million of gross written premiums and a financial strength rating of A (Excellent) from A.M. Best Company.

A.M. Best Company is one of the world's oldest and most authoritative insurance rating and information sources. A financial strength rating of A (Excellent) reflects Island Heritage's sound capitalisation, excellent balance sheet liquidity, comprehensive reinsurance programme and solid presence in the Caribbean.

Island Heritage is audited by PwC Cayman Islands. Please see our audited financial statements for further information.


We operate with a strong, ethical philosophy based on uncompromising corporate governance, ensuring the protection of policyholders and shareholders, while being an Employer of Choice. We deliver innovative insurance solutions and high standards of risk management through capital strength, operating efficiency and quality distribution channels.