Our insurers

Which insurers does Enterprise Insurance work with in Sint Maarten?

A broker can ask more than one insurer for a quote. This page names the insurers Enterprise Insurance places business with and says what each insurer’s own website describes.

Quick answer: Enterprise Insurance is a broker and places business with NAGICO, ICWI, Gulf Insurance, Ennia, Caribbean Alliance Insurance and Guardian Group Insurance. Which insurer can quote depends on the risk, so an advisor requests quotes and explains the wording. Being named here is not a recommendation or a guarantee of cover or price.

Key facts

Insurer	What its own website says
NAGICO	Largest privately-owned general insurance company in the region, head office in Philipsburg, St. Maarten. Lists commercial, motor, homeowners, health and life products
ICWI (Insurance Company of the West Indies)	Lists a St. Maarten location among the ICWI Group’s Caribbean operations
Gulf Insurance	Enterprise Insurance places business with this insurer. Ask an advisor which products it can quote
Ennia	Lists health, life and pension, and non-life products such as travel, auto and home, plus business insurance. Lists Sint Maarten among its islands
Caribbean Alliance Insurance	Enterprise Insurance places business with this insurer. Ask an advisor which products it can quote
Guardian Group Insurance	Enterprise Insurance places business with this insurer. Ask an advisor which products it can quote

Why does a broker work with more than one insurer?

Because no single insurer suits every risk. A broker can ask several insurers to quote, explain how their cover, limits, exclusions and prices differ, and help you compare them on the wording as well as the price. Which insurers can quote depends on the risk: a home, a vehicle, a boat and a restaurant can each lead to a different answer.

Does being on this list mean an insurer will cover my risk?

No. Each insurer decides which risks it accepts and on what terms, and an advisor cannot promise a quote, a price or a claim outcome. What an advisor can do is ask, explain what comes back and tell you what the policy wording means.

How can I check an insurer myself?

Check with the supervisor. Ask the insurer which supervisor licenses it in Sint Maarten and look it up on that supervisor’s own website. The guide to the Dutch and French sides of the island explains why the answer can differ between Sint Maarten and Saint-Martin. This page does not show insurer ratings, because ratings change and we have not been given sourced figures to display.

How do I ask for a quote?

Call an office, or send a message through the contact page. Tell the advisor what you want to insure and where it is located, and they will explain which insurers are likely to quote.

Frequently asked questions

Which insurers does Enterprise Insurance place business with?

The insurers named on this page: NAGICO, the Insurance Company of the West Indies (ICWI), Gulf Insurance, Ennia, Caribbean Alliance Insurance and Guardian Group Insurance. Which of them can quote for you depends on the type of cover and the risk.

Does Enterprise Insurance choose the cheapest insurer?

An advisor can request quotes from more than one insurer and explain the differences in cover, limits, exclusions and price, so that you can choose. The cheapest quote is not always the one with the cover you need, so the wording matters as much as the price.

Are these insurers endorsed by Enterprise Insurance?

This page lists the insurers we place business with. It is not a ranking, a recommendation or a rating of any insurer. The insurers’ names and websites are theirs; we link to their own pages for what they say about themselves.

How can I check an insurer’s status in Sint Maarten?

Ask the insurer or your advisor which supervisor it is licensed by, then check with that supervisor. The island information on this site names the Central Bank of Curaçao and Sint Maarten for the Dutch side. The supervisor’s website is the place to confirm current status.

Will every insurer quote for every type of insurance?

No. Each insurer chooses which risks it will accept and on what terms, and that can change. An advisor can tell you which of the insurers is likely to quote for your home, vehicle, boat or business, and which may not.

Sources

Descriptions come from each insurer’s own website. Where an insurer’s own page is not cited, the page only says that Enterprise Insurance places business with it.

NAGICO, NAGICO. Describes itself as the largest privately-owned general insurance company in the region, with its corporate head office in Philipsburg, St. Maarten. Its site lists commercial, motor, homeowners, health and life products.
ICWI, Insurance Company of the West Indies. Its site lists a St. Maarten location among the ICWI Group’s Caribbean operations.
Ennia, Ennia. Its site lists health, life and pension, and non-life products such as travel, auto and home, plus business insurance, and lists Sint Maarten among its islands.

Written by the Enterprise Insurance team. Not yet reviewed by a named advisor. Last updated 28 October 2026.

Talk to an advisor in Sint Maarten

An advisor can look at your own situation, request quotes from insurers and explain the policy wording.

Request a quote Call +1 721 542 5078

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.

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.

Philipsburg60B A.Th. Illidge Rd, Philipsburg
Cole Bay69 Welfare Road
Call us +1 721 542 5078 +1 721 544 3050

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