General information
Insurance can be complex, and policies differ in what they cover and exclude. An advisor can explain the options, the terms used in policies and the questions worth asking, so you can make your own informed decisions about cover for your situation.
Contact us
Talk to our team
Staff at Enterprise Insurance can answer questions about insurance, explain how policies work and discuss your situation. You can call, visit an office in Philipsburg or Cole Bay, or request a call back.
What does a broker do?
Coverage basics
Insurance can help with the cost of financial loss involving a home, vehicle, business or personal assets. Policies vary, so it helps to understand limits, exclusions and deductibles before choosing. An advisor can explain the options.
Explore the services
Personal insurance can help with the cost of financial loss from events such as accidents, theft, property damage, illness or travel disruption. Common types include auto, homeowners and renters, health, life, disability and travel insurance. What each policy covers depends on the insurer and the policy wording.
Find out moreBusiness insurance includes policies that address different risks, such as general liability for third-party claims, property insurance for buildings and contents, and workers’ compensation for employee injury or illness. Which policies are relevant depends on the type of business.
Find out moreLiability insurance can help with claims made by other people. Public liability relates to injury or property damage, product liability to goods sold or supplied, and professional indemnity to errors or negligent advice. The cover available depends on the insurer and the policy terms.
Find out moreSpecialized insurance relates to particular situations, for example pet insurance for veterinary costs, event insurance for cancellation or liability, and marine and aviation insurance for vessels, cargo and aircraft. Availability and terms vary by insurer.
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Where to start
Insurance is a way of transferring part of a financial risk to an insurer in exchange for a premium. The right type and level of cover depends on what you own, what you owe, who depends on you and which risks are most relevant to your situation, such as storms and hurricanes (the Atlantic hurricane season runs from 1 June to 30 November), flooding, accidents, illness, theft or claims from other people. Before choosing a policy it can be useful to compare what each one covers, the limits that apply, the exclusions and the deductible you would pay on a claim. An advisor can explain these terms in plain language and discuss the options that may be relevant for individuals, families and businesses in St. Maarten.
Depending on the type of cover, an advisor may request quotes from insurers such as NAGICO, ICWI, Gulf Insurance, Ennia, Caribbean Alliance Insurance and Guardian Group. Which insurers can quote depends on the risk.
Insurance over time
Enterprise Insurance was founded in St. Maarten in 2016 and works with individuals and businesses on personal, business and specialized insurance questions. Needs change over time as families grow, businesses expand, property is bought or sold and circumstances shift, so it can be useful to review cover from time to time. Since Hurricane Irma in September 2017 caused widespread damage on the island, many people in St. Maarten have looked again at their cover, limits and deductibles. An advisor can go through your current policies with you, explain what they cover and exclude, and point out questions you may want to ask your insurer.
For business owners
Businesses face a range of risks, including damage to property, claims from customers or the public, injury to employees, vehicle accidents, interruptions to income and cyber incidents. In St. Maarten, where the economy depends on tourism, hospitality, retail and imports, these can also include storm damage, income lost while premises are closed, and goods in stock or in transit. Different policies address different risks, and none covers everything. Considering how your business operates, what assets it holds and what contracts or landlords may require can help when reviewing insurance. An advisor can discuss the types of business insurance that may be relevant and explain how policies work together.
The people at Enterprise Insurance
Director
Dwayne McRae is the Director of Enterprise Insurance.
Find out moreAdministrative staff
Deron McRea is part of the administrative staff at Enterprise Insurance.
Find out moreCustomer Service Representative
Danette Gumbs works as a Customer Service Representative at Enterprise Insurance.
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Customer Service Representative
Shaquille George works as a Customer Service Representative at Enterprise Insurance.
Find out moreEnterprise Insurance is an insurance broker based in St. Maarten (Sint Maarten). A broker can explain how different types of insurance work, request quotes from insurers and help with questions about existing policies and claims.
The offices are at Illidge Road #60 in Philipsburg and 69 Welfare Road in Cole Bay, St. Maarten. The listed hours are Monday to Friday, 8 AM to 6 PM. The Philipsburg office can be reached on +1 721 542 5078.
Personal insurance (auto, homeowners and renters, health, life, disability and travel), business insurance (general liability, property, professional liability, workers’ compensation, commercial auto and cyber), liability insurance, and specialized insurance such as pet, event, marine, aviation and agricultural insurance.
Depending on the type of cover, quotes may be requested from insurers such as NAGICO, ICWI, Gulf Insurance, Ennia, Caribbean Alliance Insurance and Guardian Group. Which insurers can quote depends on the risk.
The Atlantic hurricane season runs from 1 June to 30 November. Some policies apply a separate deductible, limit or conditions to named-storm damage, and Hurricane Irma in September 2017 is one reason many people review their cover, limits and deductibles. The details depend on the insurer and policy wording.
You can call +1 721 542 5078, visit the Philipsburg or Cole Bay office, or use the Request a Call Back form on this page. It helps to say what you would like to insure and any policies you already have.
The Enterprise Insurance offices are in Philipsburg and Cole Bay on the Dutch side. Insurers, rules and supervision differ between Sint Maarten and Saint-Martin, so availability depends on where the person, property or business is located and on the insurer. An advisor can explain what may be possible and whether a French-side insurer or intermediary is needed.
If you would like to talk through your insurance needs, you can call or visit one of the offices in Philipsburg or Cole Bay, or request a call back using the form. An advisor can discuss your situation, explain how different types of cover work and answer questions about policies you already have. What suits you depends on your own circumstances.
Leave your details and a short note about what you would like to discuss, and someone from the team can contact you. Please do not include payment or other sensitive personal details in the message.