Your questions,
answered

An insurance broker like Compass works for you — not for the insurance company. As an independent broker, we help you explore suitable coverage options from our carrier partners where available. An insurance company only sells its own products. Compass is not an underwriter — we do not issue policies directly.

You can request a quote online via our Request a Quote page, call us at +1 (721) 520-0096, send us a WhatsApp message, or visit our office at W.A. Nisbeth Road #99, Philipsburg. We typically respond within one business day.

No. Our services are free to you as a client. We earn a commission from the insurance carrier when you purchase a policy — so you get expert advice at no extra cost.

Compass helps clients explore coverage options across a wide range of personal and business products, including: Auto, Home, Contents, Health, Life, Travel, Personal Accident, Critical Illness, Boat and Yacht, Savings/Pension/Education Plans, Business Package, Commercial Property, Business Interruption, Public Liability, Employer's Liability, Professional Indemnity, Directors Liability, Commercial Vehicle, Construction All Risk, Marine Cargo and Marine Liability, Cyber Liability, Money/Burglary/Fidelity, and Group Health and Group Life. Coverage options may vary by carrier and underwriting requirements.

Hurricane and windstorm coverage is an important consideration for home insurance in the Caribbean. Coverage options may include protection against hurricane and windstorm damage, subject to policy terms, limits, exclusions, deductibles, and underwriting requirements. We help you understand what may be available and what to look for in a policy.

Options may be available to combine business insurance coverage, including property, liability, business interruption, and group employee benefits. We'll help you explore what may be suitable for your business size and industry, subject to carrier terms and underwriting.

Construction All Risk (CAR) insurance may help cover your building project from groundbreaking to completion. Coverage options may include damage to materials, equipment, and the structure itself, as well as third-party liability during construction. Subject to policy terms, limits, and underwriting requirements.

Contact us immediately after an incident — by phone, WhatsApp, or email. We'll guide you through the documentation required and assist with submitting the claim to your insurer. Our team advocates for a fair and timely outcome, though final claim decisions rest with the carrier.

Processing times vary by claim type and complexity. Simple claims can be resolved within days; more complex claims (e.g., major property damage) may take several weeks. We keep you informed throughout the process.

First, ensure everyone's safety. Then document the damage with photos and gather any relevant information (police reports, witness details). Contact Compass as soon as possible — the sooner we're involved, the smoother the claims process.

Premiums can be paid by bank transfer, cash, or cheque at our office. Some carriers also offer direct debit options. We'll advise you on the best payment method for your policy.

Yes. We send renewal notices well in advance of your policy expiry date. We also review your coverage at renewal to ensure it still meets your needs and remains competitively priced.

Yes, most policies can be cancelled before the expiry date. Depending on the policy terms, you may receive a partial refund of unused premium. Contact us and we'll explain the cancellation terms for your specific policy.