Insurance articles for Saint Lucia

Insurance articles relevant to Saint Lucia: what is covered, what is usually excluded and what to ask your agent.

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Is flood damage covered by my home insurance?

Often not. Many standard home policies cover storm and fire but leave out flood, or sell it as an add-on. Check your policy wording for the word "flood" before the rainy season, not after.
Home & property FloodStorm & hurricane +10 Read
Do I need earthquake cover in the Caribbean?

If you own property, probably yes. Earthquake damage is usually excluded from a standard property policy and sold separately. The region sits on active fault lines, so it is worth asking about before you need it.
Home & propertyBusiness Earthquake +10 Read
What does hurricane cover include, and what is excluded?

Wind damage is usually covered; flood often is not. The catch is the deductible, which for named storms is often a percentage of your insured value rather than a small fixed amount.
Home & property Storm & hurricane +10 Read
Does my car insurance cover flood and storm damage?

Only if you have comprehensive cover. Third-party-only policies pay for damage you cause to others, not damage to your own car from water, wind or a falling tree.
Auto FloodStorm & hurricane All countries Read
What is strikes, riots and civil commotion cover?

It is the cover that pays if your property is damaged during unrest. In many markets it is not part of a standard property policy and is added separately, often as "SRCC". Check for it before there is any trouble.
BusinessHome & propertyAuto Unrest & riots All countries Read
Is my business covered if a storm closes it?

Only if you have business interruption cover, and usually only after physical damage. A storm warning that keeps customers away, with no damage to your premises, is typically not covered.
Business Storm & hurricane +10 Read
Does travel insurance cover hurricane cancellations?

Sometimes, but not once the storm has a name. Most policies treat a named storm as a known event, so cover bought after it is named usually will not pay for that trip.
Travel Storm & hurricane +10 Read
Does business insurance cover a cyber attack?

Usually not. A standard business policy covers physical damage and liability, not stolen data or ransomware. Cyber cover is a separate product with its own limits.
Business Cyber All countries Read