Balderamos Insurance Services Ltd.



We offer private and commercial polices with various types of cover including Third Party Only (liability for another person or their property) and Comprehensive (liability for another person or their property as well as for your Vehicle, which includes Hurricane and Windscreen cover).
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Our policy covers your building, household appliances and personal effects, as well as providing public/personal liability at no additional cost. The coverage extends to catastrophe perils, fire and burglary.
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Fire and Perils

Provides cover against fire, lightning, earthquake, hurricane, tornado, riots and malicious damage, bush fire, smoke damage, spontaneous combustion, explosion, storm, windstorm, flood, impact, aircraft, and burst pipes.
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Public Liability

Provides cover your legal liability for death, bodily injury and damage to Third Party property.
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Workmen's Compensation

Compensates the employer for an employee's loss of wages and medical expenses arising from death or bodily injury during the course of their employment. The level of liability is as stated by Workmen's Compenstation Law.
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Contract Works

This policy covers the contractor and the property owner in the event of a loss or damage to a property that is under construction. The coverage extends to catastrophe perils including hurricane, fire, burglary etc.
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Covers loss or damage to a property as a result of theft or attempted theft (following forcible or violent entry or exit from the premises).
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Covers loss of money during and outside business hours, whilst in transit, at the home of authorized people as well as damage to safes or strong rooms.
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All Risk

Covers the loss of specified valuables including jewelry as a result of any specified perils.
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Covers the loss or damage to a vessel, engine fittings and equipment including boats, dinghies and outboard motors.
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This policy covers the loss or damage to baggage and personal effects, personal accidents, money and tickets as well as cancelled flights.
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Professional Indemnity

This policy provides cover to indemnify the Insured against legal liability for claims made against the Insured including costs by reason of any professional negligence, error or omission.