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FAQ

Read the FAQs about us, our Products and Services. If you have any other questions, contact us!

Why use an insurance broker?

As insurance brokers, our priority is to represent your interests at all times, and to provide you with professional guidance in everything pertaining to your insurance in a market that’s forever changing in premiums, product availability and policy conditions. IBGL’s team of experienced staff are trained to understand the differences between various policies and are often able to negotiate premiums that aren’t available to you. In fact some insurance policies are only available through intermediaries such as brokers.

Our role as brokers is to source the most appropriate policies for your circumstances and to advise on the various areas of risk for you or your company.

So what do I have to do to appoint you as my broker?

Very easy! The process takes about 5 minutes and once complete, we will contact your existing insurer and do the rest, or if you do not have insurance yet, we will advise you on your options.

How do I know IBGL will act fairly on my behalf?

We at IBGL embrace the General Insurance Brokers Code of Practice which is intended to promote good relationships between insurance brokers, the people they insure, insurers and others involved in the insurance industry.

The Code is part of a self-regulatory scheme that sets out the responsibilities of participating insurance brokers and requires them to establish an internal process for resolving disputes with policy holders. Complaints and disputes against brokers in relation to the Code are handled by Insurance Association of Guyana, whose members represent consumers, the Government and insurance brokers.

Will I need to speak to the Insurance Company?

IBGL acts as a link between the insurance company and the client for all matters relating to the renewal of the policy or the claim. You shouldn’t need to speak to the insurance company directly but if you do, we will be there to represent you.

Is it safe to use an Insurance Broker?

Insurance companies & insurance brokers are subject to stringent legislative requirements concerning the receipt and payment of premiums. Insurance brokers are responsible for paying in a timely manner, but by law, once the payment has been paid to the brokers, it is considered as paid to the insurance company. IBGL conforms with the legal and regulatory requirements in Guyana regarding financial stability and ethical conduct.

There are so many products to choose from! How do I know what is right?

We spend the time getting to know our clients so that we can advise them on the most suitable product based on our knowledge of the market.

The first step in determining the answer to this question is to work with your broker to identify and define the areas of risk for you or your business. The decision then is which risks to retain (i.e. what not to insure) and which risks to transfer through insurance. To choose to take the risk yourself to save money can leave you vulnerable and may severely affect your cash flow or assets. This is where our experience can assist you in making decisions on how much insurance you require to adequately cover your various risks.

Do I even need insurance?

In some cases it is a legal requirement here in Guyana, in some it is a contractual obligation – we can advise you accordingly. In all cases, having insurance brings peace of mind knowing you are covered in the event of an accident or an emergency. It is important to find the right level of cover at the best price.

How much will IBGL charge me?

Nothing! As a client you get our services for FREE. If you are not a client, we can still represent you if you have a claim… and we will take a small % of your claim settlement.

I already have an insurance agent! What is the difference?

An insurance agent can only offer insurance from the insurance company he/she works for. An insurance brokers can look across many insurance companies, in Guyana or abroad, to find the best deal for its clients.

Insurance often costs so much to get! Can you help with the cost?

We will try. Since we work with several insurance companies, we can look at all options and have the ability to negotiate with them in order to get the lowest price for our clients. It is our policy that any discounts we receive, we pass onto the client.

Are you a new company?

No – IBGL was actually the first insurance broker in Guyana and will be celebrating our 50th anniversary in 2019. We have well over 5000 clients that we serve here in Guyana from our offices in Georgetown and Linden

What insurance company do you work for?

We do not work for any insurance companies; we provide an independent service to our clients and are not obliged to place insurance with a particular company. We work to ensure our clients get the best deal.

Do you provide insurance?

IBGL does not provide insurance ourselves; we have extensive knowledge of the range of insurance products and services that are provided by the insurance companies in Guyana so we can advise clients on the best insurance they should take out.

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Find Us

Insurance Brokers - Guyana Limited
Head Office

125 Carmichael Street,
South Cummingsburg
Georgetown, Guyana

Directions

Contact Us

E-mail address:
admin@ibgl.net

Phone Number:
+5922267261, +5922267262, +5922263194

Opening Hours

Monday - Thursday 8:00am to 4:30pm
Friday 8:00am to 4.00pm
Saturday & Sunday - Closed