ANICOL & Kenneth A. Gomez: Antigua's Insurance Broker Guide 2026
ANICOL (Antigua Insurance Company Limited) and Kenneth A. Gomez & Sons are two of Antigua's most trusted insurance providers. ANICOL is a locally owned insurer operating from St. John's. Kenneth A. Gomez & Sons, established in 1956, acts as General Agent for Guardian General Insurance and also represents Netherlands Insurance and Guardian Life of the Caribbean. Both firms cover motor, property, marine, and liability risks. With hurricane season running June through November, right now is the time to review your cover.
ANICOL & Kenneth A. Gomez: Antigua's Insurance Broker Guide 2026
TL;DR: ANICOL (Antigua Insurance Company Limited) and Kenneth A. Gomez & Sons are two of Antigua's most trusted insurance providers. ANICOL is a locally owned insurer operating from St. John's. Kenneth A. Gomez & Sons, established in 1956, acts as General Agent for Guardian General Insurance and also represents Netherlands Insurance and Guardian Life of the Caribbean. Both firms cover motor, property, marine, and liability risks. With hurricane season running June through November, right now is the time to review your cover.
Antigua has no shortage of insurance companies. But when residents type a name into Google, two firms come up again and again: ANICOL and Kenneth A. Gomez & Sons.
Both are anchored in St. John's. Both have served Antiguans for decades. Yet almost no editorial content explains what they do, what they sell, or how to choose between them. Bare directory listings on FindYello and ConnectAntigua are all that exists.
This guide fixes that.
Whether you need to insure a car, a home close to the waterline, a charter yacht, or a growing business, this is your practical, research-backed starting point. We cover what each firm offers, how the two compare across key policy types, and exactly how to get a quote before a named storm forms in the Atlantic.
Hurricane season runs from June 1 to November 30. It is not a time to be reviewing expired policies.
What Is ANICOL?
ANICOL stands for Antigua Insurance Company Limited. It is a locally incorporated general insurer registered and regulated by Antigua and Barbuda's Financial Services Regulatory Commission (FSRC). ANICOL operates from Long Street in St. John's and has earned a strong reputation for personal service, carrying a 4.8 rating from verified reviewers.
ANICOL is one of the few insurance companies on the island that is both locally owned and locally based. That matters for Antiguans who want claims handled on the island rather than routed through a regional head office somewhere else in the Caribbean.
The FSRC publishes a list of all licensed insurance companies and registered agents operating in Antigua and Barbuda. ANICOL appears on that list as a licensed insurer, meaning it underwrites policies directly rather than acting purely as a broker for a third party. That distinction matters if you ever need to make a significant claim.
ANICOL's office on Long Street puts it squarely in the commercial heart of St. John's parish, within walking distance of the main government offices, the deep-water port, and the capital's business district. For Antiguans who prefer face-to-face service, the location is a practical plus.
The firm's website is anicolinsurance.com, though the most efficient route to a quote is a direct phone call or office visit during business hours.
Who Is Kenneth A. Gomez & Sons?
Kenneth A. Gomez & Sons is an independent insurance agency established in 1956. That makes it one of the oldest continuously operating insurance intermediaries in Antigua and Barbuda. The firm is headquartered at Royal Palm Place on Friars Hill Road in St. John's, and currently operates under Managing Director Kevin Gomez.
The Gomez agency is a General Agent, not an underwriter. That distinction matters. A General Agent represents one or more insurance companies and has authority to bind coverage on their behalf. Kenneth A. Gomez & Sons currently holds General Agent status for:
- Guardian General Insurance Ltd (commercial, liability, residential, motor, marine)
- Netherlands Insurance (general property and casualty; Antigua operations run from Friars Hill Road)
- Guardian Life of the Caribbean (life and protection products)
Guardian General Insurance is the largest property and casualty insurer that is 100% Caribbean owned, operating as part of the Guardian Group, described by the company as the largest indigenous financial services conglomerate in the English and Dutch-speaking Caribbean. When you buy a policy through Kenneth A. Gomez & Sons, you are buying Guardian General paper, backed by reinsurance arranged at a regional level.
The agency recently lowered its motor insurance rates and added free Auto Rescue to all comprehensive motor policies. That is a meaningful benefit for anyone driving Antigua's roads, where breakdowns away from St. John's can leave you stranded.
You can find Kenneth A. Gomez & Sons listed on AntiguaSearch with contact details, address, and directions.
Contact details:
- Phone: +1 (268) 481-1850 / 1852
- Location: #6 Royal Palm Place, Friars Hill Road, St. John's
- Hours: Monday to Friday, 8:00 AM to 4:00 PM. Closed weekends.
What Policies Do These Firms Cover?
This section breaks down the main policy types available across both firms and what Antiguans need to know about each one.
Motor Insurance
Motor cover is legally required in Antigua. Third-party liability is the minimum, but third-party only leaves your own vehicle unprotected in the event of an accident. Comprehensive cover adds protection against collision, fire, and theft.
Kenneth A. Gomez & Sons offers Guardian General's MotorGuard product. Comprehensive MotorGuard benefits include key replacement, a protected No Claims Discount (NCD), new car replacement, unlimited windscreen cover, and high personal accident limits. The agency has recently reduced motor premiums, and all comprehensive policyholders get Auto Rescue included at no extra cost.
ANICOL also provides motor insurance. For residents in the St. John's area who want a local insurer to walk into with questions, ANICOL's Long Street location is convenient for in-person service.
One thing to remember: if you import a vehicle, you need proof of insurance before you can register it with the Antigua and Barbuda Transport Board. Getting cover arranged before your car clears customs saves delays.
Property Insurance
Property insurance is the most urgently relevant cover during hurricane season. A standard homeowner's policy in Antigua should protect against fire, lightning, explosion, hurricane, windstorm, flood, earthquake, volcanic eruption, impact damage, theft involving forcible entry, and malicious damage.
Both ANICOL and Kenneth A. Gomez & Sons write property cover. For Kenneth A. Gomez & Sons, the underlying product is Guardian General's HomeGuard, which covers buildings and contents. Netherlands Insurance, also represented by the Gomez agency, provides additional property and casualty options.
If you own a villa or rental property on the waterfront, anywhere near English Harbour, Dickenson Bay, or on Antigua's exposed east coast near Half Moon Bay or Devil's Bridge, you should be reviewing the fine print of your policy's hurricane clause every year before June 1.
Marine Insurance
Antigua is one of the most active yachting destinations in the Eastern Caribbean. The island hosts Antigua Sailing Week each April and Antigua Classic Yacht Regatta each spring, drawing hundreds of vessels to English Harbour and Falmouth Harbour. Year-round, visiting cruisers, private yachts, charter boats, and fishing vessels call at Antigua's marinas.
Kenneth A. Gomez & Sons represents Guardian General Insurance's MarineGuard product, which covers boat owners against loss or damage to their vessel, outboard motors, and accessories arising from collision, fire, theft, or sinking. MarineGuard also includes liability cover for damage or injury caused to third parties.
One critical note for marine policyholders: many insurers include named-storm clauses that place conditions on coverage during hurricane season. Policies may require haul-out before a named storm reaches a certain proximity, or may restrict coverage if your vessel remains in the water past a defined trigger point. Review your policy's named-storm provisions with your broker before the season starts.
Netherlands Insurance, the second carrier represented by the Gomez agency, has a strong track record in marine cover and currently serves over 3,000 individuals, families, and businesses across Grenada and Antigua. The firm is backed by first-class reinsurance through London.
Commercial and Liability Cover
Businesses in Antigua need more than property cover. Commercial policies typically include public liability, employers' liability, business interruption, and coverage for business contents and equipment.
Kenneth A. Gomez & Sons writes commercial and liability products under Guardian General's commercial lines. For business owners operating in tourism, hospitality, retail, or construction in the St. John's area, the Gomez agency's 70 years of experience in the local market is a genuine advantage.
ANICOL, as a locally incorporated insurer, also covers commercial risks. For smaller local businesses that want a straightforward relationship with a face-to-face provider, ANICOL is worth a direct conversation.
Is your insurance business listed on AntiguaSearch? If you are a broker, agent, or underwriter serving Antigua and Barbuda, add your listing here and connect with thousands of residents actively searching for insurance every month.
Why Does Hurricane Season Change Everything?
Hurricane season runs from June 1 to November 30, with peak activity between August and October. During this window, property, motor, and marine insurance renewals surge across Antigua. Insurers and agents get busier. Claims following storms can take longer. The window to arrange adequate cover before a storm forms is narrower than most people think.
Antigua sits in the Eastern Caribbean hurricane belt. While the island has been fortunate in some recent seasons, storms like Hurricane Luis (1995) and Hurricane Georges (1998) demonstrated the catastrophic damage possible when a major hurricane makes a direct hit. Brysons Insurance Agency, one of the island's long-established brokers, was famously the only company to reopen one day after both of those storms.
For property owners, the key risk with hurricane cover is not just whether a hurricane clause exists in your policy. It is whether the terms and conditions have been met. Named-storm deductibles (a percentage of the insured value rather than a flat amount) are common. Some policies carry deductibles of 2% to 5% of the insured value specifically for named-storm damage. On a home insured for EC$500,000, that could mean EC$10,000 to EC$25,000 out of pocket before coverage begins.
For marine policyholders, named-storm clauses may require haul-out or relocation before a storm watch is issued for Antigua. English Harbour and Falmouth Harbour, the island's most popular yacht anchorages, require all vessels to leave their marinas when a hurricane warning is in effect, because the concrete dock structures cannot safely accommodate boats in hurricane surge conditions.
Reviewing your policy now, before a storm is named, is the only sensible approach. Both ANICOL and Kenneth A. Gomez & Sons can walk you through your current cover and identify any gaps.
ANICOL vs. Kenneth A. Gomez & Sons: Which Should You Call?
The short answer: call both. These are two different types of provider. ANICOL is a direct insurer, while Kenneth A. Gomez & Sons is a General Agent representing Guardian General Insurance, Netherlands Insurance, and Guardian Life. The right choice depends on your policy type, your preferred working relationship, and the specific product that fits your risk.
Use this table as a starting reference:
| Need | Where to Start | |---|---| | Personal motor cover with free Auto Rescue | Kenneth A. Gomez & Sons | | Property cover with local claims handling | ANICOL or Gomez | | Marine cover for a visiting or charter yacht | Kenneth A. Gomez & Sons (MarineGuard / Netherlands) | | Life or protection insurance | Kenneth A. Gomez & Sons (Guardian Life of the Caribbean) | | Small business or commercial cover | Both; get quotes from each | | Walk-in service, city-centre location | ANICOL (Long Street, St. John's) | | Established regional carrier backing | Kenneth A. Gomez & Sons (Guardian General) |
It is worth noting that the broader Antiguan insurance market also includes State Insurance Company Limited, a government-backed insurer established in 1977 that covers life, medical, motor, property, marine, and specialty risks; and Caribbean Alliance Insurance Co. Ltd., which is headquartered in St. John's and describes itself as the largest general insurer in Antigua. Comparing quotes across multiple providers before renewing is always good practice.
The Finance & Legal directory on AntiguaSearch lists over 38 verified businesses, including insurers, banks, and financial services firms across Antigua and Barbuda.
How Do You Get a Quote?
Getting a quote from either firm is straightforward: call or visit in person during business hours. Neither ANICOL nor Kenneth A. Gomez & Sons currently offers a full online quoting portal, so a phone call is the fastest route. For Kenneth A. Gomez & Sons, WhatsApp is also an accepted contact method.
For ANICOL:
- Visit Long Street, St. John's during business hours
- Phone the office directly
- Website: anicolinsurance.com
For Kenneth A. Gomez & Sons:
- Phone: +1 (268) 481-1850 or +1 (268) 481-1852
- Address: #6 Royal Palm Place, Friars Hill Road, St. John's
- Hours: Monday to Friday, 8:00 AM to 4:00 PM
When calling for a motor quote, have your vehicle registration details, your current no-claims history, and your driver's licence ready. For property, know the rebuild value of your home (not the market value) and a rough summary of contents. For marine cover, have the vessel's make, model, year, length, and value to hand.
Both firms are regulated by the Financial Services Regulatory Commission of Antigua and Barbuda. The FSRC publishes a complete list of all licensed insurers and agents at fsrc.gov.ag, which is useful if you want to verify any provider's regulatory status before purchasing a policy.
What Else Should You Know About Antigua's Insurance Market?
Antigua's insurance sector is supervised by the FSRC, which is the same regulator that oversees banks and credit unions on the island. The FSRC requires all insurance companies and agents operating in Antigua to be licensed, and publishes a publicly accessible registry of approved providers.
The Eastern Caribbean dollar is the currency of Antigua and Barbuda. Premiums, sums insured, and claim payouts are all typically denominated in EC dollars unless your policy specifies otherwise. If you own a property whose value you track in US dollars, confirm with your broker how currency fluctuation affects your sum insured.
Most private insurers in Antigua arrange reinsurance through London, Lloyd's, or other international markets. This is what allows local firms to pay out large claims after significant hurricane events, rather than exhausting their own capital reserves. When reviewing a policy, asking about your insurer's reinsurance arrangements is a legitimate question and a sign of a serious provider.
For Antiguans driving vehicles financed through a local bank or credit union, comprehensive motor insurance is usually a condition of the loan agreement. The lender will typically require to be noted on your policy as an interested party. Check your finance agreement to confirm what minimum cover is required.
Conclusion
ANICOL and Kenneth A. Gomez & Sons are two of the most searched insurance providers in Antigua and Barbuda, and both are worth knowing if you live, work, or own property on the island.
ANICOL is a direct, locally incorporated insurer operating from Long Street in St. John's. Kenneth A. Gomez & Sons has been in business since 1956 and brings the resources of Guardian General Insurance, Netherlands Insurance, and Guardian Life of the Caribbean to the Antiguan market. Together they cover the full range of motor, property, marine, liability, and life cover that island residents need.
Three takeaways before you pick up the phone:
- Review your cover before June 1 every year, not after a storm watch is issued.
- Named-storm clauses matter. Read your hurricane deductible and any haul-out requirements for marine policies.
- Compare at least two or three providers. The broader Antigua market includes several strong options, and a 20-minute conversation with each broker can save you significantly at renewal.
Ready to explore all the insurance and financial services options across Antigua? Browse the complete Finance & Legal directory on AntiguaSearch for verified listings of insurers, banks, and advisors across every parish on the island.
Frequently Asked Questions
What does ANICOL stand for? ANICOL stands for Antigua Insurance Company Limited. It is a locally incorporated general insurer regulated by the Financial Services Regulatory Commission (FSRC) of Antigua and Barbuda. The company is based in St. John's on Long Street and offers direct insurance cover for motor, property, and other general risks. It is one of a small number of insurance companies in Antigua that is both locally owned and locally operated.
How long has Kenneth A. Gomez & Sons been in business? Kenneth A. Gomez & Sons was established in 1956, making it one of the longest-running insurance intermediaries in Antigua and Barbuda. The firm currently operates under Managing Director Kevin Gomez and is headquartered at #6 Royal Palm Place on Friars Hill Road in St. John's. The agency acts as General Agent for Guardian General Insurance Ltd., Netherlands Insurance, and Guardian Life of the Caribbean.
What is the difference between an insurer and a General Agent in Antigua? An insurer, like ANICOL, underwrites policies directly, meaning it takes on the risk and pays claims from its own balance sheet, backed by reinsurance. A General Agent, like Kenneth A. Gomez & Sons, represents one or more insurance companies and has authority to issue and bind policies on their behalf. In practice, when you buy from a General Agent, the policy is issued in the name of the carrier (for example, Guardian General Insurance) rather than the agent itself. Both types are regulated by the FSRC.
Does Kenneth A. Gomez & Sons cover marine insurance for visiting yachts? Yes. Kenneth A. Gomez & Sons represents Guardian General Insurance's MarineGuard product, which covers boat owners against loss or damage arising from collision, fire, theft, sinking, and third-party liability. The agency also represents Netherlands Insurance, which has a strong general marine book. Visiting yachts, charter vessels, and locally registered boats can all obtain cover. It is important to discuss named-storm provisions with your broker before hurricane season begins, as many policies place conditions on coverage when a named storm is in the area.
When should I review my insurance in Antigua? The best time to review your insurance in Antigua is before June 1, when the Atlantic hurricane season officially begins. Property, motor, and marine policies should all be checked at renewal or annually, whichever comes first. Confirm your sums insured reflect current rebuild or replacement values, understand your hurricane deductible, and check any named-storm clauses in your marine policy. Both ANICOL and Kenneth A. Gomez & Sons accept walk-in clients at their St. John's offices during weekday business hours.