Insurance Companies in Antigua & Barbuda: CGI, ABI & the Complete 2026 Guide
Antigua & Barbuda has 15+ licensed insurers regulated by the FSRC. CGI (Consumers' Guarantee Insurance) leads for motor and home cover. ABI Insurance covers marine, life, and general needs. Sagicor is the go-to for health insurance. With hurricane season running June through November, May is the smartest time to review and renew your policy. This guide matches every type of resident, expat, and visitor to the right provider.
Insurance Companies in Antigua & Barbuda: CGI, ABI & the Complete 2026 Guide
TL;DR: Antigua & Barbuda has 15+ licensed insurers regulated by the FSRC. CGI (Consumers' Guarantee Insurance) leads for motor and home cover. ABI Insurance covers marine, life, and general needs. Sagicor is the go-to for health insurance. With hurricane season running June through November, May is the smartest time to review and renew your policy. This guide matches every type of resident, expat, and visitor to the right provider.
If you live in Antigua, own a yacht, or manage a villa, CGI insurance Antigua is probably a name you've heard. It's one of the most searched terms on the island for a reason. Insurance here isn't optional. Motor third-party liability is compulsory by law, and any sensible homeowner or boat owner knows that a single hurricane can undo years of investment in a matter of hours.
But CGI is just one of more than 15 licensed insurance companies operating on the island. The challenge is knowing which one fits your situation. Are you an expat setting up home for the first time? A yacht owner bringing your vessel into English Harbour for the season? A tourist wondering whether your travel policy covers Caribbean weather events?
This guide answers all of that. We'll walk through the main providers, what each one specialises in, and exactly who should be talking to whom. We'll also give you a practical hurricane season checklist so you're not scrambling in June when the storm window opens.
Who Regulates Insurance in Antigua & Barbuda?
The Financial Services Regulatory Commission (FSRC) is the sole regulator for all insurance companies operating in Antigua & Barbuda. Every legitimate insurer must be licensed by the FSRC before selling policies on the island. If a company isn't on their list, don't buy from them.
The FSRC is committed to the effective regulation and supervision of Antigua and Barbuda's financial services sector, upholding internationally recognised standards of compliance.
The Antigua and Barbuda insurance industry is regulated by the FSRC. Composite insurance is permitted, meaning one company can offer both life and general insurance. Non-admitted insurance is not permitted, but non-admitted reinsurance is. Motor third-party liability (MTPL), workmen's compensation, marine third-party liability, and personal indemnity insurance for brokers are all compulsory in Antigua and Barbuda.
The FSRC is located at Royal Palm Place, Friars Hill Road, St. John's, and can be reached at 1-268-481-3300.
The FSRC publishes a full list of licensed insurers on its website at fsrc.gov.ag. That list currently includes more than 15 active companies. Licensed insurers in Antigua include ABI Insurance Company Ltd, Caribbean Alliance Insurance Co., CG United Insurance Ltd (formerly Massy United), General Insurance Company Ltd, Guardian General Insurance, Island Heritage Insurance, National General Insurance, Sagicor General Insurance Inc., and Sagicor Life (Eastern Caribbean) Inc., all operating out of St. John's.
You can browse Finance & Legal businesses in Antigua on AntiguaSearch.com to find locally listed providers.
CGI Insurance Antigua: What Does It Cover?
CGI (Consumers' Guarantee Insurance) is one of Antigua's most prominent motor and home insurers. It covers private and commercial vehicles, home buildings, contents, and commercial properties. You can get an online quote at insurecgi.com, which sets it apart from most local competitors.
CGI Consumers' Guarantee Insurance is a leading provider of motor, home, contents, and commercial insurance across the Caribbean region.
Founded in 1993 and led by Bruce Bayley and Peter Harris, who together have more than 50 years of industry experience, CGI has grown to serve Antigua and Barbuda, St. Vincent and the Grenadines, St. Lucia, and Grenada. On May 27, 2020, CGI amalgamated with Sun General Insurance Inc. and continued operations under the CGI brand.
What makes CGI stand out in the local market is innovation. The company introduced products like "Agreed Value motor insurance" and the "AutoMate 24 Hour Roadside Assistance" and "HomeMate 24 Hour Household Assistance" programmes, which have kept CGI at the forefront of the regional industry for over three decades.
Best for: Motorists wanting quick online quotes, homeowners seeking agreed-value contents cover, and anyone looking for roadside assistance bundled into their motor policy.
How to get a quote: Visit insurecgi.com or walk into their St. John's branch.
ABI Insurance Antigua: Life, Marine & General Cover
ABI Insurance Company Ltd has been operating in Antigua since 1999. It offers a full range of products: auto, home, marine, business, travel, and life insurance. For yacht owners and boat operators, ABI is one of the key local contacts for marine hull and liability cover.
ABI Insurance Company Ltd. offers a variety of insurance products including auto, home, marine, business, travel, and life insurance. Established in 1999, the agency focuses on minimising risk and preventing loss while ensuring clients are well-equipped for unforeseen circumstances.
Since its incorporation, ABI has been supported by three of the largest reinsurers in the industry, including Hannover Re, QBE International, Partner Re, and some of the leading Lloyd's syndicates. This gives policyholders confidence that major claims will be paid.
ABI is based at 159 Redcliffe Street, St. John's. ABI Insurance provides life insurance, general insurance, private and commercial motor insurance, and marine insurance.
Best for: Life insurance policyholders, boat owners needing local marine cover, and business owners wanting a single insurer for multiple policy types.
Marine note: ABI reviews marine policies regularly. If you haven't reviewed your marine insurance policy recently, it's worth taking a few minutes to check you're covered for everything and getting the most affordable boat insurance rates.
Other Key Insurers in Antigua Worth Knowing
The market is richer than CGI and ABI alone. Here are the providers that regularly come up for specific needs.
Caribbean Alliance Insurance
Caribbean Alliance is the largest general insurance company in Antigua and the only regional insurance company covering the Eastern and Northwestern Caribbean, with its head office based in St. John's. It specialises in property and casualty business including marine insurance, with an extensive reinsurance programme placed with major reinsurers rated A or above by international rating agencies.
Caribbean Alliance provides comprehensive marine coverage for yachts and pleasure craft in plain-English format, including windstorm on a full-year basis without the requirement for vessels to move to southerly latitudes. For yacht owners who spend the hurricane season in Antigua, that windstorm clause is significant.
Sagicor (Life & Health)
Sagicor is one of the leading financial services companies in Antigua and Barbuda. First established in 1840 as a life insurance company, Sagicor now provides life insurance, individual health insurance, car insurance, home insurance, travel insurance, accident insurance, group life and health insurance, employee benefits, mortgages, and pension plans. Sagicor operates in 18 countries throughout the Caribbean and the Americas.
For health cover specifically, Sagicor is the dominant name on the island. The Sagicor Global Care Series provides flexible health insurance policies that allow policyholders to receive medical treatment in the country of their choice, with access to a network of over 423,000 physicians and specialists in over 200 countries. That global network matters enormously for expats who travel frequently or want to seek specialist care overseas.
Brysons Insurance & Shipping
Brysons provides a wide range of insurance coverage for business and family, including motor, property, medical, business, and marine insurance. Established in 1835, Brysons is one of Antigua's oldest companies and is recognised as one of the leading insurance and risk management companies in the country. It provides coverage through NAGICO and through a network of providers in the UK and USA, and has an excellent record in claims settlement.
Anjo Insurance Agency
Established in 1928, Anjo Insurance Agency evolved over time and is now a trusted part of AWH Holdings, serving Antigua's diverse insurance needs from its office in St. John's. Anjo offers yacht and pleasure craft insurance, homeowner's insurance, motor cover, and more. Their claims service has been tried and tested on numerous occasions. Anjo is also conveniently located at Jolly Harbour Marina & Boatyard, making them especially useful for the boating community in St. Mary.
General Insurance Company (GIC)
GIC has been looking after policyholders since 1984 and is known for private and commercial motor, property, public liability, and workmen's compensation.
Which Insurance Do You Actually Need? A Guide by Audience
Your insurance needs in Antigua depend on your situation. Expats need home and health cover. Yacht owners need marine hull and liability. Tourists need travel insurance with hurricane and medical evacuation provisions. Buying the wrong type wastes money. Buying nothing is a serious risk.
Expats Furnishing a Home or Renting a Villa
If you're settling into Antigua for the long term, your priority list looks like this:
- Buildings insurance (if you own the property): covers the structure against hurricanes, fire, and storm damage. Caribbean Alliance and CGI both offer strong products here.
- Contents insurance: covers everything inside the property. CGI's HomeMate product bundles home assistance with contents cover.
- Health insurance: the public Medical Benefits Scheme exists but private cover is strongly recommended. Private insurers such as Sagicor offer comprehensive plans tailored to individual needs and are well-regarded for customer service and extensive coverage options. The most popular private health insurers in Antigua & Barbuda are Sagicor, Guardian Life, and APUA Health Insurance.
- Motor insurance: compulsory third-party at minimum. CGI, ABI, and GIC all offer competitive motor quotes.
Browse businesses in St. John's to find these providers near you.
Yacht Owners and Boat Operators
If your vessel is in English Harbour, Jolly Harbour, or any of Antigua's beautiful anchorages, you need dedicated marine cover. Standard car or home policies won't touch it.
Marine policies for boats are generally divided into two parts: physical damage, which applies to accidental loss or damage, and liability, which pays for damage your boat might cause to others.
The local insurers with proven marine expertise are ABI Insurance, Caribbean Alliance, Brysons, and Anjo at Jolly Harbour. If you're bringing a foreign-registered vessel, check that your existing policy covers Antiguan waters and ask about hurricane coverage specifically. Caribbean Alliance offers windstorm on a full-year basis without requiring vessels to relocate to a southerly latitude, which is a real advantage for cruisers who overwinter on the island.
See the Boating & Marine directory for related services on the island.
Tourists and Short-Stay Visitors
If you're flying in to enjoy Antigua's famous 365 beaches, you need travel insurance purchased before you leave home. Buying comprehensive travel insurance that covers cancellations due to hurricanes is critical, and you should check whether your policy will cover you if you buy it after a storm is named. Most won't.
The Caribbean hurricane season runs from June to November, and hurricanes aren't covered by standard travel insurance. According to Defaqto, 59% of single-trip policies do not offer any level of cover for catastrophes. Read the fine print before you book.
Standard travel insurance typically includes trip cancellation coverage, which reimburses you for prepaid, non-refundable expenses if you cancel for a covered reason, including unforeseeable events such as hurricanes and extreme weather.
Is Your Insurance Business Listed on AntiguaSearch?
If you run an insurance agency or financial services firm in Antigua & Barbuda, thousands of residents and expats search this directory every month. Add your listing to get found by exactly the people who need you.
The Antigua Hurricane Season Insurance Checklist
Hurricane season officially runs from June 1 to November 30. NOAA's 2025 outlook shared a 70% chance for an above-average season, with elevated numbers of named storms, hurricanes, and major hurricanes expected. May is your window to act.
The smart move is to review policies before the season opens, not after the first named storm is announced. Use this checklist every April or May:
Home and Contents
- [ ] Check your buildings policy covers hurricane wind damage and flood
- [ ] Confirm your contents policy reflects current replacement values, not what you paid two years ago
- [ ] Take a video walkthrough of every room to document possessions before season starts
- [ ] Confirm your policy covers temporary accommodation if your home becomes uninhabitable
Motor
- [ ] Confirm comprehensive cover includes storm damage, not just third-party
- [ ] Check your no-claims discount is recorded and your renewal date is noted
Yacht / Marine
- [ ] Confirm windstorm cover is active for in-Antiguan-waters season
- [ ] Check your policy includes salvage and wreck removal
- [ ] Review liability limits, especially if you charter or take guests aboard
- [ ] Verify your survey is current (most insurers require a survey within 5 years)
Health
- [ ] Check your health policy includes medical evacuation if the island's facilities are overwhelmed post-storm
- [ ] Confirm you have at least a 90-day prescription supply for any maintenance medications
Business
- [ ] Check business interruption cover applies to hurricane-related closures
- [ ] Confirm your stock and equipment values are up to date
Antigua & Barbuda has received CCRIF payouts following tropical cyclone activity in the past. CCRIF was formed as the first multi-country risk pool in the world to limit the financial impact of catastrophic hurricanes and earthquakes by providing short-term liquidity when policies are triggered. Governments have macro-level protection. You need personal-level protection too.
How to Get an Insurance Quote in Antigua
Getting a quote in Antigua is more straightforward than many newcomers expect. Here's the typical process:
Online: CGI is the most digitally advanced local insurer, with online quoting at insurecgi.com. CG United Insurance also has an online portal at ag.cgcoralisle.com.
In branch: Most insurers are based in or around St. John's. ABI Insurance is on Redcliffe Street. Sagicor is on Factory Road. Caribbean Alliance has its own purpose-built head office in the city.
Through a broker: Brysons operates as a broker placing cover with NAGICO and UK/US markets. Anjo Insurance at Jolly Harbour is convenient for the marina crowd. Both can shop around multiple insurers on your behalf.
What to bring:
- For motor: vehicle registration, driver's licence, no-claims history
- For home: property valuation or purchase documents, list of high-value items
- For marine: vessel registration, survey report, previous policy if applicable
- For health: passport, any pre-existing medical history you need to disclose
Expect quotes within one to two business days. Most local insurers are direct contacts, not algorithms, and they appreciate a quick phone call to discuss your specific needs.
Conclusion
Antigua & Barbuda has a well-regulated, diverse insurance market. The industry is overseen by the FSRC, composite insurance is permitted, and all insurers must hold valid licences to operate. That means real accountability and real protection for policyholders.
The three names to remember are CGI for motor and home, ABI for marine and life, and Sagicor for health. But Caribbean Alliance, Brysons, Anjo, and GIC all have strong track records for specific needs. For yacht owners, marine cover without windstorm exclusions is non-negotiable. For expats, health cover with medical evacuation is worth every cent.
Most importantly: review before hurricane season opens. Policies bought after a named storm is announced often exclude that storm's damage. May is your month.
Start your search for financial and insurance services in Antigua on AntiguaSearch.com, or explore all St. John's businesses to find providers near you.
Frequently Asked Questions
Is motor insurance compulsory in Antigua and Barbuda?
Yes. Motor third-party liability (MTPL) insurance is compulsory in Antigua and Barbuda. This means every vehicle on public roads must carry at minimum a third-party liability policy. Driving without it is illegal and exposes you to significant financial risk in the event of an accident. Comprehensive cover, which includes damage to your own vehicle, is optional but strongly recommended.
What does CGI insurance cover in Antigua?
CGI Consumers' Guarantee Insurance covers motor, home, contents, and commercial insurance across the Caribbean region. In Antigua specifically, CGI offers private and commercial motor policies, home buildings and contents cover, and commercial property insurance. Innovations like Agreed Value motor insurance and their AutoMate roadside assistance programme have made CGI one of the most recognisable insurance brands in the region since 1993.
Which insurance company is best for yacht owners in Antigua?
There is no single answer, but the best local options for marine cover are ABI Insurance, Caribbean Alliance, Brysons, and Anjo Insurance at Jolly Harbour. Caribbean Alliance provides comprehensive marine coverage for yachts and pleasure craft including windstorm on a full-year basis, without requiring vessels to move to a southerly latitude during hurricane season. That flexibility is especially valuable for cruisers based in Antigua year-round. Brysons' marine policy covers hull and cargo as well as liability, and the agency has been operating as Lloyd's survey agents in Antigua since 1880.
Does travel insurance cover hurricanes in the Caribbean?
It depends on the policy. Hurricanes aren't usually covered by standard travel insurance. According to Defaqto, 59% of single-trip policies do not offer any level of cover for catastrophes. You need to specifically look for policies that include natural disaster cover and trip cancellation for named storms. Critically, most policies won't cover you if you buy the insurance after a storm has already been named. Always purchase travel insurance at the time of booking, not the week before departure.
What health insurance do expats use in Antigua and Barbuda?
The most popular health insurers in Antigua & Barbuda include the government-run Medical Benefits Scheme (MBS) and private companies such as Sagicor, which offer comprehensive plans tailored to individual needs and are well-regarded for customer service and extensive coverage options. Sagicor's Global Care Series provides access to a network of over 423,000 physicians and specialists in over 200 countries, which appeals to expats who travel internationally or want the option of specialist care outside Antigua. Expats with pre-existing conditions should disclose these fully at the time of application to avoid claim disputes later.