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Licensed insurance companies in Saint Kitts and Nevis (2026)

PartialPartially verified against the FSRC register, checked 8 Sept 2026.

The 105 insurance companies licensed in Saint Kitts and Nevis in 2026, as recorded by the Financial Services Regulatory Commission (St Kitts Branch and Nevis Branch) (FSRC), with the class of business and ownership each one is registered under.

105Licensed operators
11Life10% of entities12General (non-life)11% of entities11Cross-border groups94 domestically owned

By class of business

Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.

By ownership

  • Corporate parent (captive)60 57%
  • Domestic private34 32%
  • Foreign multinational11 10%

“Cross-border groups” counts foreign multinationals and pan-regional groups; “domestically owned” counts domestic private, state-owned, mutual and captive entities. The register records the parent’s type, not its home market. How ownership is recorded

Licensed insurers in Saint Kitts and Nevis

Showing 25 of 105 entities. The full, filterable table is on the country page; every row is in the JSON below.

InsurerClassOwnershipGroupVerification
CUNA Caribbean Insurance OECS LimitedLLifeForeign multinationalCUNA CaribbeanPartial
GK Life Insurance Eastern Caribbean Limited (SIECL)LLifeForeign multinationalGraceKennedyPartial
Guardian General Insurance LimitedGGeneral (Non-life)Foreign multinationalGuardian GroupPartial
Island Heritage Insurance Company LimitedGGeneral (Non-life)Foreign multinationalBF&MPartial
Nagico Insurance Company LimitedGGeneral (Non-life)Foreign multinationalNAGICOPartial
Nagico Life Insurance N.V.LLifeForeign multinationalNAGICOPartial
Pan-American Life Insurance Company of the Eastern Caribbean LimitedLLifeForeign multinationalPan-American LifePartial
Sagicor Life (Eastern Caribbean) Inc.LLifeForeign multinationalSagicorPartial
TDC Insurance Company LimitedGGeneral (Non-life)Domestic privateTDC GroupPartial
The Beacon Insurance CompanyCCompositeForeign multinationalThe Beacon Insurance CompanyPartial
The Insurance Company of the West Indies (Cayman) Limited (ICWI)GGeneral (Non-life)Foreign multinationalICWIPartial
Advocate Insurance Company LimitedKCaptive / Risk retention groupCorporate parent (captive)—Partial
Affiliated Chemical Group Ltd.KCaptive / Risk retention groupCorporate parent (captive)—Partial
Albury Re Ltd.RReinsurerDomestic private—Partial
Allied Underwriting Group LimitedRReinsurerDomestic private—Partial
Alpine Assurance LimitedKCaptive / Risk retention groupCorporate parent (captive)—Partial
Anglia Pignus Insurance CompanyRReinsurerDomestic private—Partial
Antea International Insurance LimitedKCaptive / Risk retention groupCorporate parent (captive)—Partial
Baseline 2020 Indemnity, Ltd.KCaptive / Risk retention groupCorporate parent (captive)—Partial
Beardsley Insurance CorporationKCaptive / Risk retention groupCorporate parent (captive)—Partial
Bearilla LimitedKCaptive / Risk retention groupCorporate parent (captive)—Partial
Birdie Yas Insurance LimitedGGeneral (Non-life)Domestic private—Partial
Bjorn Indemnity, LtdKCaptive / Risk retention groupCorporate parent (captive)—Partial
Blackhawk Reinsurance Company Ltd.RReinsurerDomestic private—Partial
Blue Ocean Assurance Ltd.KCaptive / Risk retention groupCorporate parent (captive)—Partial

Full table for Saint Kitts and Nevis ↗

Regulatory intelligence: Saint Kitts and Nevis

Read from the register, not written for this page: the supervisor’s regime, the source the list was checked against, and the market notes recorded alongside it.

Regime
Insurance Act Cap. 21.11 (domestic); Captive Insurance Companies Act Cap. 21.20 (St Kitts); Nevis International Insurance Ordinance 2004 (Nevis)
Register source
(1) FSRC St Kitts Branch, "Insurance Companies" (regulated entities, domestic insurance), https://www.fsrc.kn/regulated-entities/domestic-insurance/insurance-companies, retrieved 2026-09-26; no count stated, 14 entries, posted "3 years ago" to "7 years ago". (2) Nevis FSRC, "Regulated Entities: Licensed International Insurance Entities", https://www.nevisfsrc.com/regulated-entities/, retrieved 2026-09-26; no count or date stated; 92 listings in six sections (91 distinct names), excluding the 3 insurance brokers and the licensed insurance managers.
Verification
Partially verified against the regulator register · (1) FSRC St Kitts Branch, "Insurance Companies" (regulated entities, domestic insurance), https://www.fsrc.kn/regulated-entities/domestic-insurance/insurance-companies, retrieved 2026-09-26; no count stated, 14 entries, posted "3 years ago" to "7 years ago". (2) Nevis FSRC, "Regulated Entities: Licensed International Insurance Entities", https://www.nevisfsrc.com/regulated-entities/, retrieved 2026-09-26; no count or date stated; 92 listings in six sections (91 distinct names), excluding the 3 insurance brokers and the licensed insurance managers.

No market event is recorded against this register for 2026. The regime and source above are the standing facts.

Governing legislation

  • Insurance Act, Cap. 21.11 · Institutional and insurance framework

    Domestic insurers, federation-wide.

  • Captive Insurance Companies Act, Cap. 21.20 · Insurance framework

    Captive insurers licensed in St Kitts.

  • Nevis International Insurance Ordinance 2004 · Insurance framework

    International insurers and captives licensed in Nevis.

Verification log

The 14 domestic rows are exactly the FSRC St Kitts list. It gives no class of business, so classCode is inferred from each name, and entries are 3 to 7 years old, so it may not show recent licence changes. The Nevis branch lists no domestic insurers, so the St Kitts list is taken as the federation's domestic register. International rows are exactly the Nevis list: International Container Insurance Inc. appears in two sections and is one row; the three Northernlight spellings are kept as spelled. The Nevis page has no date. St Kitts captives licensed under Cap. 21.20 are not listed by name on fsrc.kn, so they are missing. Domestic parents are market knowledge, flagged per row.

For B2B teams and AI agents

The same rows as static JSON, no key, CORS open, CC BY 4.0. Paged files stay under 96 KB so an agent’s fetch tool never truncates them.

curl -s https://north-america.insurers.global/api/v1/countries/saint-kitts-and-nevis.json
curl -s https://north-america.insurers.global/api/v1/countries/saint-kitts-and-nevis/insurers/pages/1.json
  • MCP: connect https://north-america.insurers.global/mcp and call get_country_summary with { "country": "saint-kitts-and-nevis" }, or list_insurers with country, limit and offset for paged rows.
  • OpenAPI 3.1: /api/v1/openapi.json · WebMCP: /.well-known/webmcp.json · Guide: /ai/ · llms.txt
  • Dataset version 2026-09-08+97f331e66662; every response carries version, verified and licence.