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Questions

Email info@enterpriseinsurances.com or call one of our offices.

Insurance in Sint Maarten, Saint Martin and nearby islands

Enterprise Insurance has offices in Philipsburg and Cole Bay on the Dutch side of the island (Sint Maarten). People live, work and own property on both sides of the island, which is divided between Sint Maarten (a constituent country of the Kingdom of the Netherlands) and Saint-Martin (a French overseas collectivity).

Insurance is supervised separately on each side: on the Dutch side by the Central Bank of Curaçao and Sint Maarten, and on the French side under French and EU rules (ACPR). If you tell an advisor where your home, vehicle, boat or business is located, they can explain whether and how cover may be arranged, and whether a French-side insurer or intermediary is needed.

Questions also come up about neighbouring islands such as Anguilla, Saint-Barthélemy (St. Barths), Saba and Sint Eustatius (Statia), for example for a vessel, a second home or a business with activities on more than one island. Rules, supervision and available insurers differ on each island, so an advisor can explain what may be possible for your situation.

Last reviewed 28 October 2026 by the Enterprise Insurance team, St. Maarten. This website gives general information about insurance. It is not personal advice, a recommendation or an offer of cover. Terms, limits, exclusions and availability depend on the insurer and the policy wording.

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.

PhilipsburgIllidge Road #60, Philipsburg
Cole Bay69 Welfare Road
Call us +1 721 542 5078 +1 721 544 3050

Request a Call Back

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.