St. Vincent Building and Loan Association
Insurance (Agent for Guardian General)
PERSONAL INSURANCE
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Guardian General Insurance Limited helps to protect you and your property from a variety of risks. Our solutions range from motor (car) insurance, house insurance and property protection to personal accident cover and more.
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MOTOR INSURANCE
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Guardian General’s Private Motor Car Policy is especially designed for the drivers of today. It is versatile enough to provide coverage for Third Party, Third Party Fire and Theft and Comprehensive.
Products
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Third-Party Coverage
This covers your liability for bodily injury to third parties and damage to third party property. If you have a claim for accidental bodily injury to another person or damage to their property, as a result of negligence arising out of the use of your motor vehicle, we will pay any damages up to the limits on the policy selected by you.
Comprehensive
This Comprehensive policy covers Third Party Liability, Fire and Theft and Accidental damage to your vehicle. In addition to Third Party Cover and Fire and Theft, this policy provides cover for loss of or damage to your vehicle, accessories and spare parts while on the vehicle and the cost of wrecking/towing services.
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HOMEGUARD® INSURANCE
Your homeowners policy provides insurance coverage for the unfortunate situation of a fire and many more because it is a “package” of insurance for (1) your house, furniture and personal belongings, (2) your liability to others and (3) additional living expenses you may incur if your home is severely damaged.
Guardian General’s HomeGuard® policy provides coverage for the following:
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Building(s)
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Contents
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Specified Personal Items
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Personal Computers
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Liability to domestic Employees and to the Public
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Products
Perils covered under insurance of the buildings:
Fire, explosion, lightning, thunderbolt and subterranean fire and more
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Perils covered under insurance of the contents:
Fire, explosion, lightning, thunderbolt and subterranean fire, earthquakes, volcanic eruption and tsunami and more
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What should you make note of when placing your insurance?
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Is your property insured for the full replacement of market value cost? If your property is underinsured, then average would apply at the point in time of a claim.
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What is Average? – If your property is under-insured, then the amount of your claim in the event of a partial loss will be settled in the proportion of the sum insured to the real value at risk. You will not be fully indemnified for your loss.
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What liability coverage is provided in your homeowner’s policy? Your policy provides liability cover to domestic employees, public liability to third parties and personal liability. Refer to your policy for further details.
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Do you have a proper inventory of all the items in your home? In order to properly insure your electronic items, all risks and contents, a proper listing of all items must be provided to the insurance company. In the event of a loss, reference will be made to this listing.
You must ensure that your Sum Insured includes the cost of Debris Removal and Professional Fees
MARINEGUARD® INSURANCE
Your boat is one of your most prized possessions and therefore you should ensure that it is properly protected against unforeseen circumstances. Our Yacht and Pleasure Craft Policy does just that.
For vessels used strictly for private pleasure purposes, it provides coverage for:
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Loss or damage to your boat, as well as outboard motors and other accessories caused by almost any type of loss as specified. Some main ones are collisions, fire, theft or sinking.
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Sums for which you may become legally liable to pay, such as bodily injury to another person and/or damage to any other vessel or property, and arising out of accidents occurring during the period for which your vessel is insured (subject to an agreed limit).
Marine Cargo
Provides cover for loss of or damage to Goods (cargo) being transported to/from various countries by approved vessels and/or by air from warehouse to warehouse.
BUSINESS SOLUTIONS
Protecting your business interests is a critical part of what you do everyday. Guardian General Insurance Limited can help protect you from business risks including fire, liability, contract works and more.
Products
FireGuard® Insurance
Guardian General Fire and Special Perils Policy allows you to recoup your losses quickly and efficiently.
Liability Insurance
Society in the Caribbean is becoming more litigous, which means you need to protect yourself ever more from a range of business liabilities.
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Contract Work Insurance
The Contract Works Policy covers the obligations imposed on the contractor by the contract conditions.
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