We secure the best coverage for your specific needs.
Our relationships are built on knowledge & trust.
As an independent insurance agency (non-captive to any one carrier), we represent many excellent companies, allowing us to secure the best coverage for your particular needs. We will listen carefully to your concerns, thoughtfully assess your needs, and examine the available options before offering an opinion and/or a proposal.
We are dedicated to providing you with insurance products and programs that best match your specific needs and risks. We offer policies underwritten by superior companies at competitive prices.
We have been licensed in St. Croix, U.S. Virgin Islands, since 1991. As a full-service insurance agency, we offer a wide spectrum of services, including:
- Group Health Insurance
- Property and Casualty Insurance
- Commercial Liability
- Executive Benefits
- Key Man, Buy/Sell Policies
- Premium Only Plans (POP Plans) I.R.S. Section 125
- HRA & HSA Programs
- Medical Evacuation Plans
Health Insurance
Gotts & Associates Insurance specializes in providing coverage options and advice to business owners and plan administrators seeking fully insured or self-funded group plans for themselves and their employees.
We are experts in designing comprehensive and affordable employee benefits plans for small businesses throughout the Caribbean.
Group Health Insurance options for two or more employees
Now offering a comprehensive plan for sole proprietors who are the only employee. Learn more
We also offer a full line of Supplemental Insurance Coverage
Business Insurance
We offer a variety of Business Insurance Products
- Commercial Property and Liability Coverage
- Equipment Coverage
- Commercial Vehicle Coverage
Gotts & Associates Insurance proudly represents the following Business Insurance companies:
Lloyds of London
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Homeowners Insurance
From roof to floor, inside and out, homeowners insurance covers losses and damage to your property if something unexpected happens, like a fire or burglary.
- Homeowners
- Renters Insurance
Gotts & Associates Insurance proudly represents the following Homeowners Insurance companies:
Lloyds of London
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Life Insurance
There’s no replacement for you and the contribution you make to your family. You want to make sure that people in your life, especially your dependents, can remain financially secure after you die. That’s what life insurance does for you and your loved ones. It gives you peace of mind. Income replacement is the #1 reason why people buy life insurance.
Life insurance financially protects your family and loved ones at a time when it is needed the most.
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