Your questions,
answered

An insurance broker like Compass works for you — not for the insurance company. We compare products from multiple carriers (PALIG, Nagico, Guardian Group) to find the best coverage at the best price for your specific needs. An insurance company only sells its own products.

You can request a quote online via our Request a Quote page, call us at +1 (721) 542 2070, 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.

We offer Auto, Home, Contents, Health, Life, Business, Group, Liability, and Construction All Risk insurance. We also provide dedicated Claims Assistance to help you through the claims process.

Yes — hurricane and windstorm coverage is a critical component of home insurance in the Caribbean. We ensure your policy includes appropriate coverage for the specific risks of living in Sint Maarten, including hurricane, flooding, and storm surge.

Yes. We offer combined business insurance packages that can include property, liability, business interruption, and group employee benefits. We'll tailor a package to your business size and industry.

Construction All Risk (CAR) insurance covers your building project from groundbreaking to completion. It protects against damage to materials, equipment, and the structure itself, as well as third-party liability during construction.

Contact us immediately after an incident — by phone, WhatsApp, or email. We'll guide you through the documentation required and submit the claim to your insurer on your behalf. Our team advocates for a fair and timely settlement.

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.