Services
Comprehensive protection for every exposure.
From everyday commercial cover to specialist marine, aviation, and financial-lines risk, we place a complete range of solutions through a network of providers we negotiate with on your behalf. Independence is what lets us put your interests first.
Professional Liability
Helps safeguard your business against claims arising from professional advice or services provided.
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Public Liability
Protects your business against third-party injury and property damage claims.
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Professional Indemnity
Essential protection for professionals against claims of negligence, errors, or omissions.
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Property Insurance
Protects commercial buildings, contents, and physical assets against unexpected losses.
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Business Interruption
Helps your business recover lost income and meet ongoing expenses following an insured event.
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Marine Liability
Protection against third-party liabilities arising from marine and maritime activities.
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Motor Fleet Insurance
Streamlined coverage for businesses operating multiple vehicles under a single policy.
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Group Health
Flexible healthcare solutions designed to support employee wellbeing and attract top talent.
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Workers Compensation
Provides benefits for employees injured at work while helping employers meet their legal obligations.
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Risk Analysis
The Tomlin Team goes beyond the standard insurance renewal process by taking a closer look at the risks facing your business.
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EVERY EXPOSURE, ONE BROKER
The full range of cover
Commercial, Property and Resorts
Business Interruption
Helps your business recover lost income and meet ongoing expenses following an insured event.
Catastrophe Risk Coverage
Tailored protection against hurricanes, earthquakes, floods, and other major natural disasters.
Commercial Property Insurance
Safeguards buildings, contents, equipment, and other business assets from a range of risks.
Home Insurance
Protection for private homes and contents against fire, catastrophe, and everyday risks.
Hurricane cover
Windstorm cover for hurricane-exposed property, structured for Caribbean catastrophe risk.
International Property & Liability Programmes
Coordinated insurance solutions for businesses with operations across multiple countries.
Property & Infrastructure Insurance
Comprehensive coverage for commercial properties, facilities, and essential infrastructure.
Property Insurance
Protects commercial buildings, contents, and physical assets against unexpected losses.
Construction & Engineering
Contractors All Risks
Comprehensive coverage for construction projects, materials, and third-party liabilities during the course of works.
Contractor’s Plant & Equipment Insurance
Protects valuable construction equipment and machinery against accidental loss or damage
Environmental Liability
Provides protection against pollution events and environmental damage claims.
Equipment Breakdown / Machinery Insurance
Covers unexpected mechanical and electrical breakdowns that can disrupt operations.
Infrastructure & Asset Protection Programmes
Tailored insurance solutions for critical infrastructure, utilities, and high-value assets.
Machinery Breakdown
Covers sudden and unforeseen breakdown of machinery and plant, including repair or replacement costs.
Marine & Aviation
Aircraft Hull Insurance
Protect your aircraft against physical loss or damage, whether on the ground, in transit, or in flight.
Airport & Ground Operations Cover
Comprehensive protection for airport operators, fixed-base operators, and ground handling service providers.
Aviation Liability
Covers legal liabilities arising from aircraft ownership, operation, or aviation-related activities.
Hull & Machinery Insurance
Protects vessels and their machinery from physical loss or damage.
Marina Operators Liability
Designed to protect marina operators against liabilities arising from their day-to-day operations.
Marine & Water Sports Liability
Tailored coverage for marine recreation businesses, water sports operators, and tour providers.
Marine Cargo Insurance
Covers goods and merchandise while in transit by sea, air, or land.
Marine Liability
Protection against third-party liabilities arising from marine and maritime activities.
Passenger Liability
Covers legal liabilities arising from injury to passengers during transportation operations.
Water Sports & Charter Liability
Designed for charter operators and water sports businesses seeking comprehensive liability protection.
Financial Lines, Cyber & Risk Advisory
Cyber and Crime
Protects your business from cyber attacks, fraud, theft, and other financial crimes.
Cyber Liability Insurance
Covers the financial and legal consequences of data breaches, cyber attacks, and privacy incidents.
Cyber Risk Insurance
Helps businesses manage the evolving risks associated with technology, data, and digital operations.
Directors and Officers Liability
Protects company leaders against claims arising from decisions made in their management roles.
Fidelity / Crime Insurance
Protects businesses against employee dishonesty, fraud, theft, and related financial losses.
Risk Analysis
The Tomlin Team goes beyond the standard insurance renewal process by taking a closer look at the risks facing your business.
Liability & Professional Lines
Liability Insurance
Protection against legal claims arising from injury, property damage, or financial loss caused to others.
Money Insurance / Crime Cover
Protects cash and other valuables against theft, robbery, and related losses.
Professional Indemnity
Essential protection for professionals against claims of negligence, errors, or omissions.
Professional Liability
Helps safeguard your business against claims arising from professional advice or services provided.
Public & Products Liability
Covers claims arising from your business activities or products supplied to customers.
Public Liability Insurance
Protects your business against third-party injury and property damage claims.
Employers and Workforce Protection
Employer’s Liability
Covers claims from employees who suffer injury or illness in the course of their employment.
Group Health
Flexible healthcare solutions designed to support employee wellbeing and attract top talent.
Motor Fleet Insurance
Streamlined coverage for businesses operating multiple vehicles under a single policy.
Office Package
An all-in-one solution combining property, liability, and business interruption protection for offices.
Workers Compensation
Provides benefits for employees injured at work while helping employers meet their legal obligations.
EXPERTS IN YOUR BUSINESS
Industries we specialise in
Hotels, Resorts & Accommodations
Construction
Real Estate & Property Management
Regional & International Business
Energy, Power & Utilities
Government Entities
Condominiums
Marine
Aviation
Commercial Business
Professional Firms
WHY CHOOSE TOMLIN
Why choose Tomlin
Commercial Insurance Experience
We have strong experience advising a wide range of commercial businesses across the Caribbean.
Protecting What Matters Most
From high-value physical assets to business continuity and third-party liability, we design programmes to provide coverage to help protect operations and reputation.
Plain-English Advice
We understand the operational, service and insurance issues that can arise across the sectors we serve. We explain insurance clearly and practically, so your team understands the cover in place, the key exposures, and where there may be areas requiring attention.
Claims Support When It Counts
Our Caribbean-based team brings more than 20 years of experience in managing and supporting complex claims, including catastrophe losses, fires, together with third-party and employee liability claims. At a time of loss, we provide hands-on support, coordinate with insurers and other parties involved, and help our clients navigate the process as smoothly as possible so that management can remain focused on the business.
Programme Review and Design
Review and design of commercial insurance programmes, including property, business interruption, employers' liability, cyber, directors and officers, and public liability protections.
Asset Values and Limits
We'll advise on appropriate asset values, coverage limits, deductibles and catastrophe exposures relevant to your business and operations.
Policy Wording Review
Review of coverage gaps, policy wording and operational risks that may affect service delivery, management and continuity.
Claims Advocacy
In the event of a loss, we'll provide practical support focused on protecting your assets, operations and reputation. We'll manage the claims process, communicate directly with insurers and allow you to remain focused on running your business.
Let's Talk
Let's Discuss Your Risks
No two businesses face the same risks. That's why we take the time to understand your operations, review your current insurance coverage, and identify any potential gaps that could leave your business exposed.
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