Business Details
19 Years
experience
Emergency
services
Custom Insurance Solutions in Turks & Caicos
The Insurance Centre Agency was established in March 2007 to provide customized insurance solutions for property owners, building contractors, and commercial clients in the Turks & Caicos Islands. Founded by Tony Lancaster, a seasoned insurance practitioner with over 50 years of experience in the UK and Caribbean, our approach focuses on tailoring policies to eliminate unnecessary coverage while optimizing protection for specific client needs. We prioritize client relationships, offering direct access to our team via personal cell numbers and ensuring transparent, reliable service.Our expertise was tested during Hurricane Irma, where we provided critical claims support under extreme conditions, demonstrating our commitment to client advocacy. Partnering with top-tier insurers like Caribbean Alliance Insurance Company and Lloyds of London, we combine local insight with global resources to deliver balanced, cost-effective insurance programs.
Services
Business Insurance
Home Insurance
Motor Insurance
Claims Assistance
Commercial Insurance
Details
- Year established: 2007
Highlights and features
- We offer 50+ years of combined insurance expertise in the Caribbean market.
- Our team provides 24/7 direct access for urgent insurance needs.
- We partner with A-rated insurers like Caribbean Alliance and Lloyds of London.
- Proven claims response during catastrophic events like Hurricane Irma.
- We specialize in eliminating unnecessary coverage to reduce premium costs.
Services
Business Insurance
We provide specialized insurance programs for commercial clients including construction projects, condominiums, and professional liability. Our approach eliminates unnecessary coverage while optimizing protection for specific business risks. Policies can be tailored to meet the unique needs of banks, attorneys, and other professional service providers.
Home Insurance
Our homeowners policies cover residential properties and short-term rentals with comprehensive protection for structures and liability. We emphasize accurate rebuilding value assessments to avoid underinsurance penalties while offering flexible terms for local market conditions.
Motor Insurance
We offer comprehensive motor insurance covering collision damage, theft, and third-party liabilities. Policies include flexible driver provisions and locally compliant coverage limits. Specialized options are available for commercial vehicle fleets and high-value automobiles.
Claims Handling
Our team provides 24/7 claims support with direct client access to brokers. We specialize in hurricane-related claims processing and work closely with insurers to ensure timely settlements while maintaining transparent communication throughout the claims process.
Commercial Insurance
We develop customized insurance programs for commercial clients including hotels, restaurants, and office complexes. Our services focus on balancing premium costs with adequate coverage for property damage, liability, and business interruption risks specific to the Caribbean market.
People
Tony Lancaster
Founder & Chartered Insurance Practitioner
With 50+ years in insurance, Tony established TIC after 25 years in Turks & Caicos. A Chartered Insurance Institute associate, he specializes in commercial risk management and leads claims resolution efforts during major disasters.
Rosemae Penn-Simms
Co-Founder & Insurance Professional
Rosemae brings 22 years of experience, combining Caribbean expertise with Canadian insurance training. She focuses on client service excellence and ensures policy terms meet both regulatory requirements and client expectations.
Questions
Is home insurance mandatory in Turks & Caicos?
Home insurance isn't legally required but is strongly recommended due to hurricane risks that can cause severe property damage.
Should I insure my home for market value?
No - insure for rebuilding value. We recommend reinstatement valuations to ensure adequate coverage for post-disaster reconstruction.
How are motor insurance claims handled?
Comprehensive policies cover theft and collision damage. Third-party policies only cover damage/injury to others caused by the insured.
Can I get business interruption coverage?
Yes, we offer policies covering loss of rental income or alternative accommodation costs during property repairs after insured events.
What payment methods do you accept?
We accept major credit cards and local bank transfers for premium payments. Specific options can be discussed during policy setup.
Do you offer commercial insurance for construction projects?
Yes, we specialize in construction project insurance tailored to the unique risks of building developments in hurricane-prone areas.
