Guardian Insurance, US Virgin Islands

The largest automobile insurance carrier and among the largest providers of property and casualty insurance in the USVI.

Guardian is committed to providing our customers with the unmatched support that has been our hallmark since our inception in 1984.

22/04/2024

Planning upgrades for your business? Remember, even the best-laid plans can be disrupted by natural disasters or accidents. 😱 Don’t let unforeseen events downgrade your progress. Let our Commercial Property Insurance be as robust as your ambitions. 💪

18/04/2024

If only keeping track of car insurance were as easy as monitoring gas levels! So here’s a friendly nudge... 😉 Ensure your auto insurance is up to date. Next time you hit the road, rest assured you’re not just arriving, but arriving with peace of mind, safeguarded against all kinds of liability. 🚗

27/03/2024

Few things in business are simple. And yet, Guardian Insurance can provide you all the protection your company needs, easily, caringly, and hassle-free, whenever your commercial landlord requires it. 👍Get to know us, check out our website before signing any contract.

21/03/2024

Just because structures are not firmly and permanently attached to your property means they’re not protected or covered. Rest assured that they can be. 😌Our Residential Property Insurance offerings span from structure to liability. It’s time to ensure peace of mind for every aspect of your property. Let’s meet!👋

18/03/2024

For 40 years, Guardian Insurance has proudly served the Caribbean with responsibility and reliability. 💪Our commitment to excellence is underscored by our “B++ Good” rating from AM Best, a testament to our experience and professionalism. 👍What also sets us apart? A unique touch of warmth that’s unique in the insurance industry. Get to know us and experience the advantages firsthand! 😌

09/03/2024

Drive responsibly and protect what matters most. ☺️ Get peace of mind on the road With Guardian Auto Insurance. It’s the essential “do” for safe travels. 🚗

26/01/2024

Protecting your commercial property isn’t just insurance; it’s a celebration of its ongoing success 🏢🎉Because every anniversary tells a story, and we’re here to ensure yours is one of resilience.🌟

20/01/2024

Seamless claims, anytime, anywhere! File with ease at www.guardianinsurance.com. Just head the claims section, tap to submit a notification and our representative will be in touch in no time! 🛡️✨

15/01/2024

Celebrate year-round confidence by protecting your home with those in the know when it comes to insurance🏡🛡️We’ve got your back for peace of mind.

31/12/2023

👉🏼A new year begins, and with it, 365 opportunities to make the best choices for yourself, ensure your safety on the road, and protect your properties with Guardian Insurance.✨ Enjoy this new year, and may it be one filled with great success, love, and prosperity.🥂

28/12/2023

Imagine heading to a family Christmas party, having an accident on the road, and not being insured.😳 We don't want you to go through that! Protect yourself while driving with Guardian Insurance.✔️

24/12/2023

Wrap your holidays in a warm blanket of protection, and let your dreams take flight! Wishing you a worry-free and secure Merry Christmas.🎄🌟

22/12/2023

One of the most cherished aspects of the holiday season is the warmth of family gatherings in our home.✨ Yet, as we embrace these joyful moments, uncertainty accidents can unexpectedly intrude. Safeguard your haven with the shield of Guardian Insurance's Residential Property coverage!🏡🎄

27/11/2023

Your business is more than just a place; it's your lifeline, your dreams, and your future. Don't leave the gateway to your essentials vulnerable to Mother Nature or unexpected mishaps. Explore essential property coverages tailored to your unique business needs with Guardian Insurance.👌🏻

23/11/2023

In life's daily journey, finding comfort in protection is priceless. Guardian Insurance goes beyond safeguarding your home; it's a guardian of your peace of mind. Embrace each day with confidence, knowing that you're shielded against the uncertainties. ✅

21/11/2023

Don't rely on 'I have never had a claim.' We can't predict the future, but we can protect your business today. Shield your assets and capital against unexpected accidents with our General Liability insurance. 💼

Photos from Guardian Insurance, US Virgin Islands's post

14/11/2023

Life in the Caribbean: blissful days of sun, sea, and serenity... until the storm clouds gather! With hurricane season lasting half the year and Mother Nature's unexpected rollercoaster, you have to feel and be safe in home. Guardian's got your back! 🌪️🔥☀️

30/10/2023

Troubles on the road? 🚗 Don't let claims turn into a headache! At Guardian, we've got you covered. Experience our motto: Always by your side, even on those unexpected curves! 🌴

Visit guardianinsurance.com and monitor a claim from the comfort of your home.✔️

25/10/2023

From owning the building to every improvement you've made, we've got you covered. Flip the script and safeguard everything under your roof, it's all part of our plan to keep your business thriving even in the face of adversity.✅

11/10/2023

👉🏼Hurricane season lasts six months and in all that time, you run the risk of an unexpected incident occurring at your home due to weather conditions. That's why it's important to keep your home protected with Guardian Insurance.✔️

06/10/2023

Don't wait until an accident happens on the road.🚗 Protect your car before something happens. Guardian Insurance has personal and commercial auto coverages for you.✔️

03/10/2023

It doesn't matter if your business property is leased or owned by you, it's important to keep it protected. Guardian Insurance can help you cover both the structure and its contents.✔️

30/09/2023

👉🏼Did you know that with our insurance you can report a claim without leaving your home?👀 How?

✔️Go to guardianinsurance.com and in the claims section use the tap to leave the notification.
✔️An representative from us will be communicating with you.

We make the process easy, fast and accessible!👌🏻

04/09/2023

👉Having your own business is all about enjoying your free time without worries. Therefore, insure your Commercial Property with Guardian Insurance and enjoy it with confidence.🏖️✅

30/08/2023

👉We are already in hurricane season! How can you prepare and have everything you need in your home? Here we’ll tell you! Remember to insure your property with Guardian Insurance.🏠✅

25/08/2023

👉Whoever drives behind the wheel of a commercial car must be protected at all times. Our Commercial Auto Coverage has a number of benefits that safeguard both your company and your employees.✅

22/08/2023

👉Living in the Caribbean is knowing that we must be prepared for any meteorological threat. In addition to protecting your home and its surroundings, acquire our Residential Property Insurance and protect your home with Guardian Insurance.🏠✅

18/08/2023

👉No one foresees a fire at home. To get the relief you need after that rough patch, you need an insurance policy that protects your Residential Property against future fires like Guardian Insurance.✅

16/08/2023

👉Whether it's making deliveries or picking up merchandise, we're never safe when we hit the road. Protect your commercial vehicle and your business at the same time with an insurance that accompanies you as closely as Guardian Insurance.🚘✅

14/08/2023

👉When we talk about car insurance that protects you, we are not only referring to damage caused to the car. In a car crash, you too can be hurt. That's why you need to make sure you have your medical payment coverage in case you need medical attention. With Guardian Insurance, you can have it. Ask for our medical coverage policy.✅

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Our Story

Guardian is built on a rock solid financial foundation. The "sine qua non" of any insurance provider is the ability to function as a safe port in any storm. We’ve been – and remain -- a top rated insurer with a depth of resources and a broad breadth of managerial expertise.

For over 25 years, Guardian has been the insurance provider of choice for private individuals and businesses based in and around the Virgin Islands, where we are the largest domestic insurance carrier.
While we remain focused on underwriting automotive coverage, we provide a complete range of coverage, including surety, marine, general liability, and property insurance. Our conservative coverage and reserving policy enables us to maintain consistent profitability and positive loss development results.

Guardian enjoys an unbroken record of meeting all financial commitments to policyholders through various natural disasters, including hurricanes Hugo (1989) and Marilyn (1995). Now in our second decade, we have earned a reputation for providing generous service, uniformly high quality products, and a consistent presence. We’ve long been a pillar in the Caribbean region, over which time we’ve guided thousands through difficult circumstances… we will continue to serve as the region’s protector against disaster and the unforeseen for generations to come.

An insurer is only as strong as the company it keeps. Guardian’s parent company, The Lockhart Companies Inc., is the Virgin Island’s largest, oldest and most established real estate owner, landlord, and developer.

Our successful track record over the past two decades is largely owed to our long-term associations with a range of “blue-chip” professional service organizations. That includes our reinsurers, auditors and actuaries, bankers and legal counsel.

Admitted Jurisdictions: United Stated Virgin Islands, Puerto Rico, British Virgin Islands