Guardian Insurance Company

Guardian Insurance Company
Havensight, Saint Thomas
VI 00801, United States
776 – 8050
774 – 8830

Guardian Life Insurance is on its 25th year of providing premier insurance plans to clients in the United States Virgin Islands (USVI), Puerto Rico, and the British Virgin Islands (BVI). Founded in the U.S. Virgin Islands in 1984, Guardian has become the biggest vehicle insurance provider and among the major carriers of property and casualty insurance in the USVI. It has been the insurance provider chosen by individuals and businesses based on USVI, Puerto Rico and BVI.

Guardian upholds conservative coverage policy, allowing the company to preserve positive loss development results and steady profitability. The insurance provider has remained committed to its policyholders, gaining an upper hand against other carriers. Guardian has been there for its customers through auto accidents, fires, hurricanes, and earthquakes. The company has domestic, local presence supplying flawless and thorough customer service provided by professional, knowledgeable, and approachable representatives. In addition, Guardian has four service branches in USVI and one in Puerto Rico which help clients with claim and underwriting needs. The company has an established legacy with Lockhart Companies, Inc. as its parent company. Lockhart was founded in the 1800s, and USVI’s biggest real estate owner and developer. It is also among the Caribbean’s most prominent real estate companies.

Guardian’s products and services are homeowners insurance, including dwelling fire supplemental and dwelling fire coverage, commercial insurance including fire supplemental, liability insurance, surety/bonding, and yacht coverage. Guardian is committed to providing its customers and business clients with the most cutting-edge tools, one which is processed online. Application forms and necessary information are all accessed in their web portal. Clients can apply for coverage, claim services, download resources and contact customer service, which is always available to assist them.

Automobile liability insurance in USVI is mandated by law, thus, every licensed vehicle is required to have minimum liability limits to guard against damages brought about to third parties in an auto accident. Guardian is the leading vehicle insurance in the area, and its policy forms are parallel to the best coverage offered by other carriers found across the U.S. It has up to seven individual coverage. Together, they afford the basic coverage. These are bodily injury liability, property damage liability, property damage, medical payments liability, comprehensive physical damage insurance, collision insurance, and uninsured motorist protection.

Guardian’s property insurance plans in USVI are backed up by experience and conservative use of its resources. Customers can select from among the best commercial and residential property coverage options available.

The benefits individuals and businesses can get from insuring with Guardian include hull deductibles available, hull limits capacity up to $5,000,000, and protection and indemnity limits up to $1,000,000. It also offers limited sudden and accidental pollution coverage, limited waterskiing liability and limited personal effects. There is no haul-out warranty with Guardian, only competitive rates and policies written in simple terms.

Since 1996, Guardian has been led by president Raymond Fournier. He has also served as a board member since 1993. Octavio Estrada is the company’s executive vice-president and is part of the board, as well. The company’s board of directors includes George Dudley, Wesley Williams, Raymond Fournier, Nancy Brodie, and William Jarvis.