British Caribbean Ins Co Limited (BCIC) has been offering innovative insurance solutions since 1962. A member of the ICD Group and an affiliate of Victoria Mutual Building Society (VMBS), BCIC has demonstrably lived up to its core values of Employee Engagement, Relentless Customer Focus, Professionalism, Openness and Authenticity, Learning, Innovation, Compassion, Passion and Integrity which has enabled it to dominate as one of the leading general insurance companies in Jamaica. Our core values and data driven decision making process are hallmarks of the innovation which drives our products and services. We design our products to meet the ever- changing needs of our customers. This customer- centric approach has allowed us to be a pioneer in charting the path of continuously providing ground- breaking and value- added solutions. BCIC is passionate about creating positive change and impacting the lives of others by showing compassion through charitable contributions and employee volunteerism. We have embraced opportunities to contribute to the growth and development of Jamaica in areas such as education and sports. Our corporate social responsibility project in Downtown, Kingston, through partnerships such as the St. Andrew Scots Kirk After-school Programme, allows us to make a positive impact by providing an educational opportunity for children living in neighbouring communities such as Parade Gardens, Gold Street, Tower Street and Water Lane among others in our vicinity. With the support of our stakeholders, partners, intermediaries and customers, BCIC will continue on the path of growth, innovation and good corporate citizenship.
Services
All Risks
Loss or damage to the property insured as a result of accident or misfortune however caused and not otherwise excluded from the policy.
Bonds
A guarantee to pay a sum of money in the event of failure to perform under the relevant contract.
Burglary
Loss or damage to property following forcible and violent entry into or exit from premises.
Business Interruption
Loss of gross profit/revenue due to reduction in turnover consequent upon the damage to the insured's premises by fire and/or allied perils.
Computer Insurance
Any unforeseen and sudden physical loss or damage to data processing equipment, electronic accounting and invoicing machines, x-ray and ultrasonic instruments etc.
Contractors' All Risks
Unforeseen and sudden physical loss or damage to the contract works, construction, plant and machinery including removal of debris and professional fees. Legal Liability to the public may be covered.
Electronic Equipment
Unforeseen and sudden physical loss or damage to electronic equipment including software and increased cost of working.
Employers' Liability
Legal liability , as a result of employers negligence , whereby compensation for bodily injury or death is paid to an employee as a result of an incident arising out of the course of their employment.
Engineering / Machinery Breakdown
Accidental loss or damage to machinery caused by electrical or mechanical breakdown.
Fidelity Guarantee
Pecuniary losses, which result from acts of fraud and dishonesty committed by employees.
Fire and Allied Perils
Loss or damage to property caused by fire, earthquake, hurricane, flood and other perils as specified.
Goods in Transit
Accidental loss or damage to commercial goods whilst in transit.
House and Contents (Home Insurance)
Range of cover including fire , earthquake and other specified perils for loss or damage to building and contents with "All Risks" options for valuable property.
Money Insurance
Loss or damage to money
Products
BCIC is licensed, in accordance with The Insurance Act 2001, to write all classes of General Insurance business and offers cover in the following areas:
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