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At Caribbean Alliance Insurance, the health and well-being of our customers, business partners, and communities is our top priority. We are pleased to inform our customers that many of our offices have resumed normal office hours. However, we encourage you, our valued customers, to continue to implement social distancing. We strongly encourage you to call or email us with any queries. For current information on your specific territory please visit its respective page from the Branches/Agents Page.

Terms and Conditions

  1. Website Terms and Conditions
  2. Website Content
  3. Access
  4. Changes
  5. Links to Other Websites
  6. Intellectual Property Rights
  7. Privacy
  8. Information You Provide
  9. Law
  10. Cookies
  11. Report a Breach
  12. Review of These Terms & Conditions



These Terms and Conditions apply to users, viewers and all people who have access to this Website. Please read these Terms and Conditions very carefully.

Your use of this Website constitutes acceptance of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, please stop using this Website immediately and contact your local office for further information.

This Website is solely owned and operated by Caribbean Alliance Insurance Company Limited whose headquarters are at Caribbean Alliance House, corner of Cross and Newgate Streets, St. John’s, Antigua ("CAIC").



CAIC is providing this Website on an "as is" basis.

CAIC makes no representations or warranties with respect to this Website or its contents, the accuracy, completeness, or suitability of the information provided and disclaims all such representations and warranties of any kind, express or implied.

While CAIC strives to ensure 100% accuracy, the information contained in this Website may contain technical inaccuracies or typographical errors. All liabilities of CAIC howsoever arising from any such inaccuracies or errors are expressly excluded to the fullest extent permitted by law.

Under no circumstances shall CAIC or its affiliates, subsidiaries, agents or related companies be liable for any damages whatsoever (including, but not limited to direct, incidental, consequential or indirect), loss of data, income or profit, loss or damage to property or harm or injury that relates to or results from the use of or access to any of the materials of this Website, or are caused by any failure of performance, error, omission, interruption, defect, delay in operational transmission, computer virus or line failure.

You should not rely on any of the information on this Website for advice or as a recommendation that a product or service is suitable for you or your circumstances. It is therefore important that you consult with our underwriting or claims personnel for additional guidance and advice.

CAIC does not limit its liability for death or personal injury as a direct result of our negligence or for our own fraud or fraudulent misrepresentation.



CAIC will use reasonable efforts to make this Website available to users; however, your access to this Website is at your own risk. CAIC does not warrant or represent that access to this Website will be uninterrupted, reliable or error free or that this Website or the server that makes it available are free of viruses or other harmful components. You are therefore expected to exercise due care as CAIC will not be responsible for any cost incurred for servicing, repair or correction.

CAIC may, at its sole discretion, withdraw access to this Website or any part of it at any time without notice.



CAIC may revise this Website including these Terms and Conditions, without notice, at any time. CAIC recommends that you check these Terms and Conditions from time to time for any changes. Continued use of this Website will signify your acceptance of these Terms and Conditions following any such change.



This Website may contain links to other websites or pages that are not under the control of CAIC. Such links are provided for your convenience only. CAIC accepts no responsibility or liability for these other websites or any information contained in them. CAIC shall not be liable for the inability to complete a transaction due to unavailability of a partner, including but not limited to the operation of any partner credit card or payment services.



All rights in the material on this Website are owned by CAIC or are included with the permission of the relevant owner.

Material from this Website may not be copied, reproduced, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of CAIC; this does not prevent you from downloading the material for your personal use only. Neither title nor intellectual property rights are transferred to you by use of or access to this Website; rather, all rights, title and interest in and to all aspects of this Website remain the property of CAIC or the relevant owner.



You agree to the use of any personal data you may have submitted to CAIC in accordance with the terms of our Privacy Notice.



In order to provide you with insurance services that are relevant to your requests, CAIC requires accurate data from you. In providing information to CAIC, you confirm that all data you have submitted is accurate. Please contact us if you need to update or correct such data.

Intentionally providing false or misleading information may lead to termination of services and may result in legal action.


9. LAW

This Website is operated and maintained in Antigua. The laws of Antigua and Barbuda shall govern the use of this Website and any dispute you irrevocably submit to the exclusive jurisdiction of the Antigua and Barbuda Courts. If any provision of these Terms and Conditions shall be unlawful, void or unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.



To see how we use cookies, please see our Cookies Policy



If you suspect data about CAIC’s customers, staff or other contacts has been inappropriately disclosed or you find CAIC property which may contain confidential or personal data, please let our Data Protection Officer know as soon as possible at:

The Data Protection Officer
Caribbean Alliance Insurance Company Limited
Caribbean Alliance House
Cnr. Newgate & Cross Streets
P.O. Box 1609
St John’s

Or email the Data Protection Officer at:


These Terms and Conditions should be reviewed annually by the Information Technology Manager and updated as appropriate. All changes to this document must be approved by the Chairman of the Information Technology Committee before being implemented.

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