yacht insurance grenada

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Welcome to Caribbean Insurers Marine Ltd ("CIML")

Caribbean Insurers Marine Limited is a specialized unit within the Caribbean Insurers Group of companies. The personnel responsible for providing a comprehensive range of insurance plans for the protection and security of both the recreational boat owner and commercial operator have a collective experience of over 100 years in respect of all aspects of marine associated risks.

Whether you own and operate a single commercial vehicle, or a large fleet, you need to have the right coverage

We strive for long term relationships with our clients, advise on risk management and design programmes with the flexibility to accommodate the ever changing needs of the marine industry.

Policies and claims are handled “locally” so you can rely on our specialists to provide a prompt and efficient service at the best terms and conditions available

We are particularly proud of our claims service. Our “in house” adjustors are able to respond to a loss situation immediately, therefore limiting the consequences, and to assist the Insured in preparing and processing a claim.

Our commercial fleet insurance brokers will talk to you about your needs and outline your options, to ensure that your fleet is fully covered for vehicle damage, liability, loss of use, and more

• YACHT INSURANCE
• MARINE CARGO
• CIML SERVICES
• OTHER SERVICES

To apply for Yacht Insurance at CIML you will need to submit:

• Yacht and Motorboat Application Form
• Recent out of water condition survey and valuation (if vessel in excess of 25 ft and over 5 years of age)
• Recent photograph showing vessel name and port
• Survey Compliance Form  (completed and signed when all surveyors recommendations listed on the survey has been complied with)

A cargo insurance policy covers your business against liability for cargo you are hauling for others. In the event that your customers’ cargo gets lost or damaged during transport, your business must be insured to protect both their assets, and your business.

We are able to provide coverage and offer competitive rates for the shipment of cargo worldwide. To obtain a quotation please complete the marine cargo questionnaire.

• Marine Cargo Questionnaire
• Yachts and Powerboats (including Delivery Trips and Ocean Passages)
• Charter and Commercial Vessel Operations
• Water-sports Operations
• Marina Operators Liability
• Marine Traders Liability
• Hoists, Lifts and Equipment
• Docks, Piers and Pontoons
• Protection and Indemnity
• Comprehensive General Liability
• Business Interruption
• Marine Cargo

Thank you for submitting the form

Caribbean Sailing School & RYA Training Centre

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• International Certificate of Competence
• RYA Essential Navigation and Seamanship
• RYA Day Skipper Theory
• RYA Coastal Skipper Theory / Yachtmaster Offshore
• RYA Yachtmaster Ocean Theory
• RYA Specialist Short Courses
• RYA Online Theory Courses
• RYA Start Powerboating Level 1
• RYA Powerboat Handling Level 2
• Course Schedule
• How To Get To Grenada
• Useful Links
• Caribbean Charters & Regattas
• Registration Form

Do You Need Sailing Insurance?

Do You Have Sailing Insurance?

If you already have standard holiday insurance, you need to check if the policy covers you for going on a boat, how many miles you can sail offshore, and for airlifts at sea.

Why Do You Need Sailing Insurance?

We always advise our sailing students and charter guests to have sailing insurance for peace of mind. Similar to when you go on a land-based holiday, you want to ensure that you are covered in the unlikely event of a cancellation, emergency, or accident.

Who Provides Sailing Insurance?

Topsail Insurance are marine insurance specialists who have insured the UK and the worldwide sailing community with yacht, craft, ship and dinghy travel insurance for nearly 20 years. They are proudly the preferred insurance providers for the prestigious  Ocean Cruising Club (OCC)  and have an active involvement with the Blue Water Section of The Cruising Association.

You can choose between a single trip policy covering just one period, or alternatively a multiple trip annual policy covering you sailing as many times as you wish during the year. The policy covers you for sailing and for other holiday or leisure trips Worldwide.

Topsail is an insurance agency  that specialises in cruising areas worldwide, insuring boats in the UK, Northern Europe, the Mediterranean, the Caribbean, Pacific Regions, South East Asia, Australasia, Antarctic and the North West Passage.

Kathy Bellamy – Yachtsman’s Single Travel Insurance:

May I just say how very impressed I have been with all aspects of my dealing with your company – your website and your prompt and helpful responses. Quite a contrast from some of your competitors. You inspire confidence, which as a novice sailor, I greatly appreciate! Thank you.”

How Do You Get Sailing Insurance?

Easy! You can  apply online here . Alternatively, you can email:  [email protected]  or call: +44 (0) 1273 57 37 27 to discuss your options.

Topsail Insurance has a  friendly Brighton-based team  who are always on hand to assist you in person. No call waiting or queues – everyone has a dedicated account handler.

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Excellent health insurance to fit your lifestyle, ensure you can sleep well again, protect your loved ones, plan for your future, great auto insurance with fast & fair claims settlement.

Welcome to NAGICO Insurances, the largest privately-owned general insurance company in the region. NAGICO has operations in over 21 territories including the Dutch, English and French Caribbean. We are using your location to direct you to our website in your area. Please select a different location, if you have been located incorrectly.

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Airport Ground Handler’s Liability

Airport operations are complex and the liability exposures numerous. Comprehensive coverage for each aspect of your operation is a must. Protect yourself against liability to third parties with our Airport Ground Handler’s Liability policy.

Aircraft Hull & Liability

Whether you fly for recreation or as a central component of your business, you must safeguard against the many risks associated with air travel and aircraft ownership that remain despite the highest of safety measures you apply. Whether you wish to safeguard against physical loss or damage to your aircraft, or protect against bodily injury or property damage to third parties, this coverage is for you.

Burglary Business

Unfortunately, crime prevention must figure into each business plan. Despite your best security controls, thieves will do anything to gain access to your business; and, sometimes they succeed. NAGICO’s Burglary Insurance provides coverage so that your business doesn’t miss a beat.

Business Interruption

Have you given thought to the amount of revenue and profits you can lose due to down time following a hurricane or fire impacting your business? Are you prepared to cover the financial shortfall on your own? During a period of rebuilding and repair, it isn’t business as usual. Will your company survive?

Commercial All Risk

Every business is exposed to risks. Despite the best business practices and every effort on your part, it is impossible to eliminate 100% of your exposure. NAGICO’s Commercial All Risk Policy provides coverage for the cost of repairing or rebuilding your business in the event of loss.

Commercial Vehicle

Company vehicles are important assets for any business. NAGICO’s Commercial Vehicle Comprehensive cover helps ensure continuity of business operations after damage to or loss of a company vehicle due to an accident.

Comprehensive Machinery & Plant

Operational efficiency is critical for generating profits. Downtime of machinery can bring your business to a grinding halt and affect productivity and profits. Safeguard your business from loss with NAGICO’s Comprehensive Machinery & Plant insurance.

Contractors All Risk

Planning for success is a critical part of any contractor’s business. NAGICO’s Contractor’s All Risk insurance provides excellent coverage for your property while under construction.

Directors Liability

Regardless of the nature of your business, your Directors and Officers carry significant risk due to their responsibilities. They can be held personally liable for a number of matters including, but not limited to, errors in judgment, breach of legal duty or failure to disclose conflicts of interest. The resulting claims and legal expenses are often very costly.

Employers liability

Businesses that do not have Employer’s Liability insurance are exposed to significant financial and legal risk. Employer’s Liability insurance provides businesses with financial protection in the event of an employee’s at-work-accident. Additionally, this coverage provides security for employees and demonstrates that the company has taken measures to protect them and provide financial remedies in the event of an accident.

Fidelity Guarantee

Human resources are usually a company’s greatest asset. We rely on our employees to assist in executing our strategies and achieving our objectives. However, even with due diligence, integrity screening, and well established checks and balances, not all employees will consistently operate honestly and in the best interests of the company.

Fire & Extended Perils

Our Fire & Extended Perils policy helps protect your greatest business assets from damage or loss. Whether you require coverage for buildings, contents or equipment, we can help.

Group Life Policies

Group insurance is a one-year renewable group life insurance product for employees, members of an association or any organization.

Entity Pension Insurance Contract (EPIC)

EPIC is a collection of tax-approved deferred annuities to allow employees and employers to save for retirement.

Individual Deferred Annuity Contract

Freedom 62 is a tax-approved deferred annuity contract which allows employees to save for retirement.

Marine Cargo

Whether you transport goods regularly or need insurance to protect delivery of a single, high value item, NAGICO’s Marine Cargo policy provides the necessary protection. Whether shipment occurs via sea, air or land, your monetary investment is secure.

Marine Liability

Living in the Caribbean, ocean travel is a way of life. Whether for business or pleasure, you need protection for any mishaps that may occur during the use of your Marine vessel. Our Marine Liability policy protects you against claims for bodily injury or property damage caused to third parties.

Marine Hull

Whether insurance cover is needed for a private yacht, ferry or charter boat, VINSUREcan provide you with tailor-made policies to protect you from marine hull and machinery risks. From single vessels to fleets, we are at your service.

Medical Group Insurance

Providing Group Health Insurance can help foster a positive work environment for you and your employees. This benefit can promote increased morale and work ethic, as well as build a stronger sense of security while fulfilling your role as a socially responsible company.

Personal Accident Plan – Groups

Personal Accident Insurance is an affordable form of accidental death, disability and medical expense insurance. It is designed for sporting teams, schools, employees, association and individuals.

Critical illness

Can you guarantee that your employees will always remain in good health and not be diagnosed with a critical illness? Unfortunately, even if they implement and consistently adhere to a proper diet and exercise regime there are no guarantees.

Small Group Plan

Why should only the medium-sized and large organisations benefit from group medical insurance? We have created a big health insurance solution for small businesses!

Money All Risks

NAGICO's Money All Risks Insurance protects your business against loss of money when in transit and while on premises. You work hard for your money, so let us help you protect it.

Professional Indemnity

While running your own business can be rewarding, challenges are unavoidable. There is always the possibility of an error being made. For this reason, it is important to protect yourself and your business from the consequences of mistakes, oversights and professional negligence.

Public Liability

If your business involves interacting with customers or the public, Public Liability insurance provides you with the protection you need. It safeguards your assets against claims for property damage or bodily injury suffered by third parties while on your premises or as a result of your business activities.

Life insurance is the simplest way to plan for the future. Having a policy in place adds value to your life, provides financial stability and protects your loved ones after your death.

Death causes a state of distress. Reduce the level of stress of your family during this difficult time by obtaining serenity insurance. Serenity Insurance is a life insurance policy that covers the funeral costs of the Insured.

A Whole Life Policy is permanent life insurance with both insurance and a cash value component.

Special 60+ Level Term

Designed for clients 60 years and over. Is an affordable Life insurance product required by lending institutions as collateral assignment for a loan or a mortgage to protect repayment.

Education Savings

The cost of education is steadily increasing while the value of government funding in this respect is contracting. For those of you with young children this may be a concern; but NAGICO’s Education Policy is your solution.

Endowment Policy

This policy allows you to save for a certain goal; for example, travel around the world or retirement. It offers life insurance coverage, a cash value component or a payout when the policy reaches its maturity.

A Level Term Policy is an affordable life insurance required by lending institutions as collateral assignment for a loan or a mortgage to protect repayment.

Private Yacht & Boat

Get your vessel covered for damages whether on land or at sea with our NAGICO Private Yacht & Boat insurance. We can insure you against most risks of owning and operating your boat, so that the same peace of mind you experience while sailing on the open seas, is the same one you enjoy knowing you are covered by NAGICO.

NAGICARE Individual Plan

NAGICO has created a suite of comprehensive as well as supplementary individual medical plans to address whatever you and your family may need: Turquoise, Emerald, Gold and Platinum. These plans provide you with coverage locally as well as internationally.

Personal Accident Plan

Critical illness.

Can you guarantee that you will always remain in good health and not be diagnosed with a critical illness? Unfortunately, even if you implement and consistently adhere to a proper diet and exercise regime there are no guarantees. Ever thought about what your life would be like should such an event occur? Would you have the necessary finance available to ensure you can provide yourself with the necessary infrastructure to live comfortably?

Renter’s Insurance

Did you know that your Landlord’s insurance coverage does not protect your stuff? Protect your Personal property like computers, furniture, electronics, etc. with a Renters Insurance from NAGICO Insurances.

Now there is a product to help you get cover for those expenses that may arise following a hurricane as well as items around your home that are not typically covered against hurricane damage under the standard Homeowners Policy.

Homeowners Super Plus

Buying your own home is a major accomplishment and a huge investment, so protect your asset properly with NAGICO’s comprehensive Homeowners Super Plus Insurance. You can also save money when you bundle your insurance policies with NAGICO (e.g. home and motor; home, motor, medical and life etc). Request a quote online, or call or visit one of our intermediaries or NAGICO offices to benefit now.

Motor Comprehensive

We know how valuable your car is to you. We created NAGICO’s Motor Comprehensive policy with this in mind. It provides you with the highest level of coverage available.

Third Party Motor Insurance

NAGICO’s Third Party Motor insurance provides you with the minimum liability coverage required by law. Don’t take chances by leaving yourself unprotected if an at fault accident occurs!

Airport Policies

Comprehensive Machinery & Plant

Employer's Liability

Fire & Extended Perils

Hurricane Xtra

Property & Home

NAGICO operates in 21 territories in the Caribbean – from as far North as The Bahamas, to as far South as the ABC Islands. We are the only Caribbean insurer with operations in the Dutch, English and French Caribbean.

Our services

If you have incurred a loss you can notify us online of your claim.

REQUEST A QUOTE

Obtaining a quote is fast and easy. Simply complete our Request a Quote form and one of our representatives will contact you.

RENEW MY POLICY

Renewing your policy is fast and easy. Simply complete our Renew a policy form and one of our representatives will contact you.

Now submitting your claim documentation is easy.

Banking information

We have provided our banking information should you wish to make direct payments to our accounts.

FIND AN INTERMEDIARY

Gain access to our impressive intermediary network. We have over 200 qualified and experienced agents and brokers working with us throughout the region. Select or find your professional advisor.

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• Dealers Wanted

Grenada Marine Insurance - Boat & Yacht Insurance Grenada

Do you want to save about 40% on boat insurance in grenada, register your grenada boat insurance in 3 easy steps.

Why choose us for your boat Insurance?

• We work with insurance companies that cover ALL WATERS, ANYWHERE IN THE WORLD
• The rates we can find you are on average 40% less then our clients current rates
• We can find you insurance for all types of vessels including power & sail boats, house boats, jet skis, pontoons, etc
• Our paperwork is minimal; just some questions about the type of boat you have and were you will be using it
• Fill in our no obligation quote. You will not receive any calls from us. Just decide on the quote and if you are not interested we will not hear from you!

We offer marine insurance in Grenada for all type of vessels

Types of Boat Insurance

Boat insurance policies typically offer three primary types of coverage

1. Liability Coverage:

2. collision coverage:.

Collision coverage is a vital safeguard for your boat following an accident. It empowers your insurance provider to shoulder the cost of repairing your vessel. Some insurance companies treat collision coverage as a distinct component of their policies, while others incorporate it within comprehensive boat insurance plans. Regardless, the coverage amount depends on your boat's declared value as specified in your policy. Boat insurance collision coverage offers protection against a range of accidents, whether you're at fault or not. This includes collisions with other boats, collisions with underwater obstacles or rocks, or damage to someone else's property.

3. Comprehensive Coverage:

Comprehensive boat insurance offers extensive protection for your vessel beyond collision scenarios. It covers risks such as theft, vandalism, and fire damage. Additionally, it typically provides coverage for potential damage from natural disasters like hurricanes, floods, and hail. However, the specific extent of protection against these hazards can vary among insurance carriers. Comprehensive coverage is often bundled with collision coverage, making it uncommon to obtain one without the other. This combined coverage ensures comprehensive protection for your boat, whether it's in use or not.

Frequently asked questions (FAQ) about Marine Insurance

No, it does not matter where you have chosen to register your boat. Our clients have their boats registered in many different countries including; Poland, Langkawi, BVI, Delaware, Panama, Cayman Islands, Spain, Portugal, France, Italy etc.

No, our insurance partners offer coverage for all areas around the world. Just make sure to indicate on the quote request form the area where you will be using your boat to include it in your policy.

• Ext. 3rd-Party Insurance for Skippers
• Professional Skipper Liability Insurance
• Deposit Insurance for Chartered Yachts
• Travel Cancellation Expenses Insurance
• Charter Price Contingency Insurance
• Skipper & Crew insurance packages
• SeaHelp CharterPass
• Travel Health Insurance

Get a no obligation quote for Grenada boat insurance?

Fill in our online quote request in 5 minutes

« Fast and easy process, very cheap quote. »

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C ARIBBEAN BOAT and YACHT I N S U R A N C E by W.R. Hodgens Marine Insurance, Inc. 1425 South Andrews Ave Suite 250 Fort Lauderdale, FL 33316 Ph: 954-523-6867   Fax: 954-523-6488 Toll Free USA:  800-990-WAVE (9283)

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Laying Up in Grenada for Hurricane Season

Where do you hide when summer storms threaten?  (published September 2016)

If you need a seasonal respite from cruising, the lovely island of Grenada is just the ticket. Just about 12 degrees north latitude, this mountainous and lush island hides natural hurricane holes among the bays of its southern coast. You can leave the boat while you fly home, or enjoy the local hospitality and a plethora of yacht services if you stay through the summer.

Most of the boatyards provide haul-out and tie-down services and some will undertake project management while you travel, and the marinas offer absentee yacht management and guardianage. Specialty yacht services abound. You can get composite or woodwork done, inspect rigging, repair sails and canvas, overhaul your engine or get a bottom inspection.

Turbulence Sails at Spice Island Marine will care for your rigging while Clarkes Court Boatyard and Marina boasts a 242-ton boat lift rumored to be the largest in the Caribbean. Prickly Bay Marina offers official clearance facilities and a bandshell that hosts yoga classes, live entertainment and weekly bingo for big prizes like a whole pig.

Simon at Navicomm is rumored to be the best electronics guy along with Herve at Grenada Marine, which is also a dealer for Raymarine. Palm Tree Marine is recommended for mechanical and electrical work and Underwater Solutions is the outfit to call for diver services.

Provisioning is excellent from large supermarkets to small local grocers. One highlight destination is the Meat and Meet at Whisper Cove Marina. Not only does the marina have eight berths and a few hurricane moorings out front, but Gilles, the butcher, is known for offering the best meat, sausages and smoked fish on the island from the air conditioned shop behind the bar.

If you plan to ride it out aboard but aren’t keen on marinas or hauling out, one well-sheltered lagoon is Port Egmont. With a dogleg entrance and 20-30 feet of water, the small bay has good mud holding ground and is surrounded by mangroves to tie off your lines.

Sometimes the end of the season means the end of the adventure and it’s time to sell up and move on. You can sail the boat back to U.S. shores or pay a delivery crew to do so. Alternately, you can list the boat where she lies. One option is to engage Chris Rundlett, the Grenada onsite representative of the Multihull Company and their 5 Oceans division that works with boats of all shapes and sizes.

Grenada is considered to be technically below the hurricane belt. Nobody told Hurricane Ivan in 2004 that stomped across the island and did major damage before wreaking havoc on the rest of the Caribbean and Florida. You should check with your insurance company before making Grenada your hurricane home.

That said, whiling away five months on the Isle of Spice is a great way to take a break, manage boat chores and enjoy a slice of paradise while you wait it out. The best part? Afterwards, you’ll still be at the center of beautiful cruising grounds so it’s easy to slip the dock lines and continue the dream.

Clarkes Court Boatyard & Marina

+1 473-439-3939

Newest yard in Grenada located in Woburn Bay. Boat lift to 242 tons and submersible rail to 40 tons. Docks, showers, laundry, security, 30 berths, 30 moorings, shorepower 110/220 V, swimming pool and restaurant. Full services with woodwork, welding, rigging, canvas, painting, chandlery and more.

Spice Island Marine

http://spiceislandmarine.com

Full service boatyard for repair, maintenance, and storage needs. 70-ton Travelift, duty-free chandlery, Turbulence Sails rigging shop, TechNicks metal fabricators and more.

Le Phare Bleu Marina

www.lepharebleu.com

Located east of Calivigny Island in a protected harbor. 60 berths, buoyed entrance channel, fuel, canvas shop, Wi-Fi, webcam, serviced laundry, swimming pool, wash rooms and showers located onboard a lighthouse ship that’s docked there.

Port Louis Marina

www.cnportlouismarina.com

Located in the Lagoon, near the capital city of St. George’s, overlooking the Carenage. Owned and operated by Camper & Nicholson Marinas, with 160 berths for yachts up to 300 feet. All amenities, including the nicest showers in Grenada, and a small market onsite. Charter companies based here so plenty of foot traffic and security.

Prickly Bay Marina

http://pricklybaymarina.com

Customs and immigration onsite, restaurant and tiki bar, fuel, chandlery, wine and cheese shop, live entertainment and Wi-Fi. 24 stern-to berths and 20 mooring balls. Absentee yacht management, electrical and electronic services, ample cruisers social activities and more.

Martin’s Marina (Secret Harbour Marina)

secretharbourgrenada.com

Established in 2003 on the site of the former Moorings base in Lance aux Epines, Martin’s Marina has showers, garbage collection, Wi-Fi, bar, pool, storage, dockage in 53 concrete slips, duty free fuel, security and more.

The Grenada Yacht Club

www.grenadayachtclub.com

www.truebluebay.com

Hotel and cottages, pool, restaurant and Dodgy Dock bar. Horizon Yacht Charters and Brokerage is based here and the restaurant offers a periodic educational cooking exhibition. Surge can be an issue at the docks.

Grenada Marine

http://grenadamarine.com

Full service boatyard with ten acres of beachfront in St. David’s Harbour. Storage for 220 yachts and repair facilities for 20 boats simultaneously. 70-ton lift with plenty of dry dock storage, specialize in topside and bottom paint. Bar, beach, and various yacht services.

Whisper Cove Marina

http://whispercovemarina.com

Dockage for 12 vessels, mooring balls, shorepower 110/220 V, laundry, showers, restaurant, bar, garbage disposal, propane pickup and more. Excellent brunch on Sundays, onsite butcher and deli, and French-speaking owners.

Palm Tree Marine

http://www.palmtreemarine.com

Electrical and mechanical services –engines and gensets, A/C, watermakers, fuel polishing, outboard service and more.

+1 473-418-5163

Electronics repair and installation. SSB radio repair, pactor modems and other communications equipment.

Underwater Solutions

http://www.underwatersolutionsltd.com

Hull cleaning, in-water replacement and polishing of props and shafts, anodes, and more.

The Multihull Company/5 Oceans

http://www.multihullcompany.com/Office/Grenada

+1-473-457-3245

Broker Chris Rundlett manages listed vessels in Grenada and other parts of the Caribbean.

Author: Zuzana Prochazka

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Yacht Services & Facilities on Grenada & Carriacou

Grenada, together with its sister islands Carriacou and Petite Martinique, is the southernmost island group in the Leeward Islands in the Eastern Caribbean.

In recent years, Camper & Nicholson's  Port Louis Marina  has been developed to cater for the requirements of the world's Superyachts whilst remaining an attractive facility for those of us with cruising boats of more modest proportions.

On the south coast, the new development at  Clarke's Court Boatyard & Marina  has haulout facilities for large multihulls and is currently offering extremely competitive deals to challenge other established yacht service facilities.

Grenada is a great place to get things done!

Currency:   Eastern Caribbean Dollars (EC)

Official Language:  English

International Dialing Code:  1 473

Ports of Entry:  Tyrrel Bay (Carriacou), St Georges (Grenada), Prickly Bay (Grenada)

Click on any one of the following to find an on-island provider:~

Boatyards & marinas, chandleries & fishing gear suppliers, diesel mechanics, dinghy repair & liferaft services, dive centres & services, electrical & electronic services, gas bottle refills, hull painting and brightwork specialists, hull repair & gelcoat specialists, laundries for cruisers, outboard motor service & repair, refrigeration and air conditioning engineers, rigging services.

Sailmakers, Canvaswork & Upholstery

Shipwrights & Carpenters

Watermaker services, welding & stainless steel fabrication, yacht management & guardianage, yacht surveyors.

If the particular Yacht Service or Facility that you're looking for isn't shown here, it means that it probably isn't available on this island. If you know differently, then  please let us know...

Clarke's Court Boatyard & Marina:  ph (473) 439 3939;

Grenada Marine:  ph (473) 443 1667; more details...

Grenada Yacht Club:  ph (473) 440 3050;

Le Phare Blue Marina:  ph (473) 444 2400;

Port Louis Marina:  ph (473) 435 7431;

Prickly Bay Marina:  ph (473) 439 5265;

Secret Harbour Marina:  ph (473) 444 4449;

Spice Island Marine:  ph (473) 444 4257; more details...

True Blue:  ph (473) 443 8783;

Whisper Cove Marina: ph (473) 444-5296;

Carriacou Marine:  ph (473) 443 6292;

Tyrell Bay Marina: ph (473) 443 8417;

Spice Island Marine Services

Location:  True Blue (in bay next to Coast Guard) St. George's, Grenada, West Indies.

Phones: +1 (473) 444-4257 +1 (473) 444-4342

VHF:  16

Grenada Marine

Location:  Grenada's South Coast "St. David's Harbour"

Phones: +1 (473) 443-1667 (Yard) +1 (473) 407-2099 (General Manager)

Budget Marine:  ph (473) 439 1983;

Island Water World:  ph (473) 435 2150;

North Yacht Shop:  ph (473) 423-1201;

Marilyn's Marine:  ph (473) 443-6183;

Technical Marine Management: ph (473) 416 5491;

Tyrrel Bay Haul Out:  ph (473) 443 6940;

Albert Lucas:  ph (473) 440 1281;

Grenada Marine:  ph (473) 443-1667; more details...

Horizon Yachts Grenada:  ph 473 422 9730;  more details...

Matthew Watton (Essential Engineering):  ph (473) 414 7316; more details...

Danny Gray (Nauti Solutions):  ph (473) 416 7127; more details...

Palmtree Marine:  ph (473) 443 7256;

Rawl Noel:  ph (473) 407-4483;

Carriacou Marine:  ph (473) 443 6906;

Tool Meister:  ph (473) 445 8178;

Matthew Watton (Essential Engineering)

Location:  Workshop at Island View, Lower Woburn. Waterborne mobile service covers Prickly Bay.

• For all your mechanical boating needs, from inboards and generators to outboards.

Phones: +1 473 414 7316

VHF:  Channel 68

Danny & Lesley Gray (Nauti Solutions)

Location:  Prickly Bay.

• Marine mechanic;
• Yacht deliveries;
• Guardianage.

Phones: +1 473 416 7127 (Danny) and +1 473 416 7537 (Lesley)

Palmtree Marine:  ph (473) 443 7256; 

Sea Safety Services:  ph (473) 538 8099;

Tropical Sails & Canvas:  ph (473) 456 7486 & 457-5856;

Aquanauts:  ph (473) 444-1126;

Dive Grenada:  ph (473) 444-1092;

ProDive:  ph (473) 439-4989;

Scuba Tech:  ph (473) 439-4346; more details...

Underwater Solutions:  ph (473) 456-3927;

Arawak Divers:  ph (473) 443-6906;

Deefer Diving:  ph (473) 443-7882;

Lumbadive:  ph (473) 457-4539;

ScubaTech Ltd

Location:  Prickly Bay, L'Anse aux Epines

• Scuba Diving Center;
• Scuba Diving Courses from Beginners to Instructors (Recreational and Technical diving);
• Snorkeling and Sightseeing Trips;
• Sunset Champagne Cruises;

Phones: +1 473 439 4346 and +1 473 457 6317

VHF:  Channel 16

Carmichael Marine Services:  ph (473) 340 62018;

Solar & Beyond (Sheldon Aberdeen):  ph (473) 403-9844;

Turbulence:  ph (473) 439 4495;

Yachtfix Electrics and Electronics:  ph (473) 404-4630;

Carria Soup:  ph (473) 443-9473;

Grenada Yacht Club:  ph (473) 440 3050; 

Henry Safari:  ph (473) 444 5313;

Survival Anchorage:  ph (473) 443 3957;

Whisper Cove Marina:  ph (473) 444-5296; 

Driftwood Ltd:  ph (473) 459-8333;

Hands On Yacht Services:  ph (473) 420-4129;

Martin Enterprises: ph (473)536 3231;

Sam Tan Tan:  ph (473) 403 9904;

Tan Tan:  ph (473) 440 1870;

Thaddeus Thomas:  ph (473) 439 2498;

Driftwood Ltd: ph (473) 459-8333;

Hands On Yacht Services: ph (473) 420-4129;

Grenada Yacht Club:  ph  (473) 440-6826 ; 

Spronk Megayacht Services:   ph (473) 444 4662;

Whisper Cove Marina:  ph (473) 444 5296; 

Carriacou Marine:  ph (473) 443 6906

My Beautiful Laundrette:  ph (473) 403 0164;

Anro Agencies: ph (473) 444 2220;

Matthew Watton (Essential Engineering):  ph (473) 414 7316;  more details...

McIntyre Bros: ph (473) 444 1555;

Ultimate Filtration: ph (473) 440 6887;

Basil St.John:  ph (473) 440-3381;

Hezron Wilson Refrigeration:   ph (473) 443 6212 ;

Lagoon Marine:  ph (473) 440 3381;

Palmtree Marine: ph (473) 443 7256;

Protech Engineering Services:  ph (473) 403 6371

Subzero Air Control:  ph (473) 440-4072;

Hezron Wilson Refrigeration:  ph (473) 443 6212;

MSB Yacht Rigging Services:  ph (473) 449-3246;  more details...

MSB Yacht Rigging Services 

Location:  St. George's, Grenada, West Indies

Services & Facilities:  I am a mobile yacht rigger with over 15 years of experience in the boating service industry. My expertise is driven by passion, professionalism and an in-depth knowledge of parts and various vessels. Available to attend your vessel at ANY boatyard, marina or harbour that you are located on the island of Grenada. Enlist MSB Yacht Rigging Services for an honest professional rigger who is an expert at inspecting, installing and maintaining various types of rigging components. All at a very competitive price. Call, email or DM me on social media for exceptional services in:

• Rig Installation;
• Rig Tuning;
• Winch Servicing;
• Furler Servicing;
• Deck Hardware Installation;
• Sail Installation;
• Sail Removal.

Contact: Michael St. Bernard

Phones: +1 (473) 449-3246

Sailmakers,  Canvaswork & Upholstery

Clarke's Upholstery:  ph (473) 414 1827;

Neil Pryde Sails: ph (473) 537 6355; more details...

Sunshine Canvas:  ph (473) 534 6866 & 534-7217; 

The Canvas Shop:  ph (473) 443 2960;

In Stitches:  ph (473) 443 8878;

Sling's Upholstery:  ph (473) 403 4016;

Neil Pryde Sails 

Services & Facilities:  New Sails well suited for the Cruising, Charter and Racing sailors in the harsh environment of the Tropics.

Contact: Jeff Fisher

Phones: +1 (473) 407-6355

Cottle Boat Works:  ph (473) 444 1070;

Driftwood:  ph (473) 459 9859;

Fortress Marine Grenada Ltd : ph (473) 419 3795;

Shipwrights:  ph (473) 443 1062;

JYA:  ph (473) 439-4913;

On The Spot Marine: ph (473) 420 7677;

Royan's Marine Services: ph (473) 537 0816;

TechNick:  ph (473) 536 1560;

Welding Tec:  ph (473) 537 4607;

Woburn Marine Services:  ph (473) 443-5156;

Aluminium Boats:  ph (473) 407-1151;

Dominic Webber:   ph (473)  407-1151;

Tool Meister:   ph (473) 445-8178;

Henry Safari:  ph (473) 444 5313; 

Horizon Yachts Grenada: ph 473 422 9730; more details...

Island Dreams:  ph (473) 443 3603; more details...

Lesley Gray (Nauti Solutions):  ph (473) 416 7537;  more details...

Safe Yachts Grenada: ph (473) 410 0241 

Spronk Megayacht Services:  ph (473) 407 3688;

Whisper Cove Marina:  ph (473) 444 5296;

Horizon Yachts Grenada

Location:  Clarkes Court Boatyard & Marina;

Phone: +1 (473) 415-0431 and +1 (473) 422-9730

Island Dreams

Locations:  

• Port Louis Marina, St Georges;
• Clarkes Court Boatyard & Marina;
• Grenada Marine.

Phone: +1 (473) 443-3603 and cell phone +1 (473) 415-2138

Bob Goodchild (Flying Fish Ventures) :  ph (473) 407 4388; more details...

Neil Batcheler:  ph (473) 536-2319;

Flying Fish Ventures

Location:  St Georges, Grenada

Phone: +1 (473) 407-4388

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Coconut Beach Creole Restaurant

Sand bar & grill, the aquarium, grenadian grill, oliver's restaurant, grenada golf club, jambalaya sailing charters, belmont estate, caribbean horizons tours, silversands, the mermaid beach hotel, netherlands insurance, true blue bay, coyaba beach resort.

Offering a range of insurance options, Netherlands Insurance Company is one of the most trusted names in the industry. Netherlands currently serves the insurance needs of several thousand individuals, families and businesses in Grenada and Antigua and is well known for quick, efficient service and prompt settlement of claims. The company is backed by a strong asset base, is well capitalized and has secure first class reinsurance through London, England.

Netherlands Insurance offers:

Personal coverage

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Yacht Charter Grenada - Yacht Rentals Grenada

Top-rated yacht charters in grenada - preselected yacht rentals:.

Catamaran Bali 4.0 available for charter in Saint Georges

• Bali 4.0 [Yacht Price incl. Taxes]
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• Charter package (Final cleaning, Bed linen, Towels, Kitchen gas, Dinghy with engine, Starter package, Damage Waiver)

Yacht Oceanis 411 available for charter in Grenada Yacht Club

• Oceanis 411 [Yacht Price incl. Taxes]

Cat Lucia 40 for charter in Saint Georges

• Lucia 40 [Yacht Price incl. Taxes]

Catamaran Leopard 404 for rent in Grenada Yacht Club

• Leopard 404 [Yacht Price incl. Taxes]
• Final cleaning

Sailing boat Oceanis 42.3 available for charter in Saint Georges

• OCEANIS 42.3 [Yacht Price incl. Taxes]
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Cat Leopard 40 for rent in Saint Georges

• Leopard 40 [Yacht Price incl. Taxes]

Sailing boat Oceanis 40 for rent in Saint Georges

• Oceanis 40 [Yacht Price incl. Taxes]

Yacht Oceanis 43 available for charter in Grenada Yacht Club

• Oceanis 43 [Yacht Price incl. Taxes]
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Cat Lucia 40 for rent in Grenada Yacht Club

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• Sun Odyssey 42i [Yacht Price incl. Taxes]
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Cat Lagoon 450 F for hire in Saint Georges

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Grenada charges prison escapees with murder of American couple missing since alleged yacht hijacking

T hree inmates who escaped from prison in Grenada have been charged with killing two Americans after allegedly hijacking their yacht last month to flee to St. Vincent and the Grenadines, police said Thursday.

The Royal Granada Police Force said in a statement  that Ron Mitchell, Atiba Stanisclaus and Trevon Robertson were each charged with two counts of capital murder over the presumed deaths of Americans Ralph Hendry and Kathleen Brandel.

The three suspects have also been charged with escaping lawful custody, housebreaking, robbery and kidnapping. Stanislaus was separately charged with one count of rape.

The latest police update did not make clear who Stanislaus is accused of raping and did not provide information on whether the bodies of the couple had been recovered.

Hendry and Brandel, based in Virginia, were living out a long-held dream of cruising the Caribbean in their sailing yacht called Simplicity, to Antigua when they went missing, according to their  yacht club, the Salty Dawg Sailing Association.

Their vessel was found abandoned in neighboring St. Vincent and the Grenadines on February 21, with the husband and wife nowhere to be found, the yacht club said.

Authorities in Grenada and St. Vincent and the Grenadines launched joint investigations to track down the suspects who allegedly left behind a violent scene on the missing couple’s yacht, including blood stains.

Last week, Grenada police commissioner Don McKenzie said in a news conference the couple was likely thrown overboard during the hijacking, and information suggests the escapees “disposed of the occupants” while traveling between Grenada and St. Vincent, about 80 miles away.

Their alleged killers committed “several criminal acts including bodily harm to the couple” while sailing, the Royal St. Vincent and the Grenadines Police Force said last week. When authorities eventually recovered the yacht, the scene was “consistent with signs of violence,” the police force said.

All three suspects made their first court appearance in St. George’s Magistrate’s Court in Grenada on Thursday and were remanded to prison. They are due back in court on March 27.

CNN has reached out to the police for more information.

‘They brought light’

The couple’s disappearance has left family and loved ones reeling.

Hendry’s son, Bryan Hendry, and Brandel’s son, Nick Buro, released a joint statement last month, remembering their parents for living with love, faith and sailing.

“Ralph and Kathy lived a life that most of us can only dream of, sailing the eastern coast of the United States, living on their home Simplicity, making friends with everyone they encountered, singing, dancing and laughing with friends and family – that’s who Ralph and Kathy were and that’s how they will be remembered in our hearts,” the statement read.

“If we have learned anything from this tragic event, it’s that we know they left this world in a better place than it was before they were born.”

Buro and Bryan Hendry called their parents the strongest people they will ever know, saying they “strive to be even half as wonderful as them.”

“While the end of their life may have been dark, they brought light, and that light will never be extinguished from the hearts and minds of the people who knew, loved and cared so deeply about them,” the statement read.

Buro said his mother and stepfather were veteran boaters who had been planning the trip – their first cruise of the Caribbean – for years.

“They were super careful to be safe all the time,” Buro said. “Everywhere they went everything they did, safety was their top, top concern. So this unfortunate accident, I think, it came out of nowhere for them.”

The couple sold their home and bought Simplicity years ago, throwing themselves into an enthralling life on the water, he said.

“It was their home. Everything they had, they owned, was on that boat. It was their life,” he said. “Kathy worked her whole life and then retired. Ralph worked in financial services and continued to work from the boat. But really what they did was … choose a lifestyle that most of us would never imagine could be done. And they loved every minute of it and they saw many parts of the world and just lived a life of joy and love.”

CNN’s Abel Alvarado, Polo Sandoval, Elizabeth Wolfe and Sahar Akbarzai contributed reporting.

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3 escaped inmates from Grenada charged with murder after US sailing couple vanishes

Police transport escaped prisoners Atiba Stanislaus, far left, and Trevon Robertson who are handcuffed together in Kingstown, St. Vincent and the Grenadines, Monday, March 4, 2024. The men had escaped from a police holding cell in Grenada on Feb. 18 and are suspected of hijacking a catamaran while Ralph Hendry and Kathy Brandel, who disappeared, were aboard. (AP Photo/Kenton Chance)

The yacht “Simplicity”, that officials say was hijacked by three escaped prisoners with two people aboard, is docked at the St. Vincent and the Grenadines Coastguard Service Calliaqua Base, in Calliaqua, St. Vincent, Friday, Feb. 23, 2024. Authorities in the eastern Caribbean said they were trying to locate two people believed to be U.S. citizens who were aboard the yacht that was hijacked by the three escaped prisoners from Grenada. (AP Photo/Kenton X. Chance)

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SAN JUAN, Puerto Rico (AP) — Three escaped inmates from the eastern Caribbean island of Grenada were charged in the killing of a U.S. couple whose catamaran they hijacked, police said Thursday.

Ron Mitchell, a 30-year-old sailor; Atiba Stanislaus, a 25-year-old farmer; and Trevon Robertson, a 23-year-old unemployed man, were charged with capital murder, escaping lawful custody, housebreaking, robbery and kidnapping. Stanislaus also was charged with one count of rape, according to a statement from the Royal Grenada Police Force.

The men appeared in court on Thursday and were ordered held in prison until their hearing in late March.

They were accused of escaping from a police holding cell on Feb. 18 and hijacking a catamaran owned by Ralph Henry and Kathy Brandel while they were aboard. Authorities said they believe the couple was thrown overboard as the suspects sailed to nearby St. Vincent, where they were arrested on Feb. 21.

The three men were ordered deported from St. Vincent on Monday.

The nonprofit Salty Dawg Sailing Association described Hendry and Brandel as “veteran cruisers” who participated in last year’s Caribbean Rally from Hampton, Virginia, to Antigua, and had planned to spend the winter cruising in the eastern Caribbean.

Their bodies have not been found.

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How to Sell Yacht Insurance Amidst a Rising Tide

The market for yacht insurance has hardened in recent years, due to the frequency and severity of catastrophic (CAT) claims. Widespread losses incurred along the West Coast of Florida and the Atlantic Coast from Hurricane Ian in 2022, for example, resulted in more than $112 billion in damages. Because of catastrophes such as Ian, many watercraft insurance carriers – both admitted and non-admitted – have pulled out of the market in coastal areas.

For carriers that continue to provide coverage in hurricane-prone states, premium costs have doubled or tripled. The increased coverage costs and the difficulty in securing boat coverage has deterred some from purchasing them – but not all. Brokers today are challenged with securing coverage for their high-net-worth clients even in high-risk areas.

In this market segment, there are three tiers of coverage for high-end boats, based on cost and size of the boat:

• Top tier boats have values of $2 million or greater, are at least 65-feet long or larger and must have a full-time captain.
• Middle tier boats are valued between $350,000 and $2 million and are between 35-feet and 65-feet long and the owner-operator is typically the full-time captain.
• First tier boats cost up to $350,000 and are 15-feet to 35-feet long.

Incidentally, middle tier boats are the most difficult to secure coverage for, due to the number of high claims filed and the types of boats covered within this tier. Premiums can run comparatively higher than other tiers as a result.

What can brokers do to help their insureds?

Much of your focus when searching for yacht coverage for clients should begin with a discussion on the age of the craft. Advise your clients that older boats – especially those 10 years and older – are more costly to cover and are harder to insure.

Here are six tips to help guide brokers as they advise boat-owning clients on how to mitigate risk and secure coverage.

• Don’t jump ship.

Sometimes the purchase of a larger or more expensive boat can make obtaining coverage difficult. If a client considers upgrading from a 25-foot craft to a 40-foot one, for example, it’s prudent for you to let them know that they will need a captain’s sign off and premium costs will increase. That is, if the carrier accepts the risk in the first place.

• Be proactive about obtaining insurance.

Advise clients to start looking for insurance the day they begin shopping for a boat. Other than first-tier purchases, same day quote-and-bind processes are a thing of the past. Securing coverage for middle- and top-tier crafts can now take up to a week.

In addition, inform boat owners that many insurers require them to hire a captain for 50 hours of training if piloting a craft larger than 10 feet to 12 feet in size, or depending on the size of the boat, they may have to hire a full-time captain to place coverage.

• Have a hurricane plan in place.

Most carriers require boat owners have a plan should a hurricane occur. Advise owners they may have to move their boats inland or to a facility that’s rated to withstand hurricanes. If domiciled in a hurricane-prone state, owners may have to store their boats in a CAT-4 or CAT-5 rated facility when not in use.

• Don’t be an absentee owner.

Advise clients about the perils associated with absentee ownership. Clients who live in a state other than where the boat is stored are considered absentee owners. In the current market, this significantly limits the number of carriers that will actually extend coverage to out-of-state boat owners.

• Stay mindful of wind coverages and exclusions.

In the past year or so, carriers have begun to exclude some wind coverage; an exclusion that applies to named hurricanes or tropical storms. In the case of routine storms, wind coverage does apply. Marine coverage is not needed for those without bank loans. However, financing boat purchases will require owners to carry wind coverage and proof of such protection before closing.

• Maintenance matters more than ever.

Inform clients that regular maintenance is imperative for reducing risk and should be considered a part of their insurance strategy. Scheduled oil changes are vital but inboard motors require a closer inspection of parts such as impellers. A worn impeller can cause overheating and a failure to follow scheduled maintenance requirements can result in a denied claim. Along similar lines, fire and safety equipment should be evaluated to ensure those systems are in proper working order.

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Written By Josh Giordano

Giordano is a yacht insurance specialist and advisor for HUB Private Client.

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Grenada Prison Escapees Are Charged With Murder of American Couple

The couple, Ralph Hendry and Kathy Brandel, went missing while sailing off the coast of Grenada.

By Aimee Ortiz

Three men who had escaped from a prison in Grenada and were accused of hijacking an American couple’s yacht to flee have been charged with their murder, the police said on Thursday.

The couple, Ralph Hendry, 66, and Kathy Brandel, 71, went missing while sailing off the coast of Grenada . They had been spending the winter cruising in the Caribbean in their catamaran called Simplicity, which was found abandoned in neighboring St. Vincent and the Grenadines on Feb. 21.

There was no indication in the latest police statement that the bodies of the couple had been recovered as of Thursday.

Trevon Robertson, 23; Atiba Stanisclaus, 25; and Ron Mitchell, 30, face two counts of “capital murder by intentionally causing the death of Ralph Hendry and Kathleen Brandel,” the Royal Grenada Police Force said.

The authorities from police forces in Grenada and St. Vincent and the Grenadines have given different ages and name spellings for the escapees.

The men were also charged with escaping lawful custody, housebreaking, robbery and two counts of kidnapping; Mr. Stanisclaus is also facing a rape charge, the police said, but no details were offered on those accusations. The three men made their first court appearance on Thursday, and are due back on March 27. The Royal Grenada Police Force did not immediately respond to a request for comment.

The police had said in a statement released on Feb. 22 that three men who escaped from a prison in Grenada on Feb. 18 and made their way to St. Vincent using a yacht that had been docked in the St. George area of Grenada.

The prisoners were recaptured on Feb. 21, the same day that the couple’s yacht was found. At the time, the police said they were “currently working on leads that suggest that the two occupants of the yacht may have been killed in the process.”

At a news conference on Feb. 26 , Commissioner Don McKenzie of the Royal Grenada Police Force that “information suggests that, while traveling between Grenada and St. Vincent, they disposed of the occupants.”

During a Feb. 26 news conference , Junior Simmons, superintendent of the Royal St. Vincent and the Grenadines Police Force, said the joint investigation into the disappearance with Grenada police was ongoing, and he said the couple was presumed dead.

The investigation revealed that while sailing from Grenada, “the suspects committed several criminal acts including bodily harm to the couple,” he said.

The couple, who were married for 27 years, were “veteran cruisers,” according to the Salty Dawg Sailing Association , a nonprofit that brings together a community of sailors engaged in long-distance cruising on their boats. The couple were longtime members, the organization said in a statement, and “they both contributed to building the S.D.S.A.”

In a joint family statement posted on the association’s website on Feb. 27, Nick Buro, the son of Ms. Brandel, and Bryan Hendry, the son of Mr. Hendry, said that “if we have learned anything from this tragic event, it’s that we know they left this world in a better place than it was before they were born.”

“Ralph and Kathy lived a life that most of us can only dream of,” the message said. “Sailing the eastern coast of the United States, living on their home Simplicity, making friends with everyone they encountered, singing, dancing and laughing with friends and family — that’s who Ralph and Kathy were and that’s how they will be remembered in our hearts.”

Aimee Ortiz is a reporter on the Investigations desk. She was previously a general assignment reporter on the Express Desk. More about Aimee Ortiz

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Connecticut wants to penalize insurers for backing fossil-fuel projects

A new bill could impose a fee on any company insuring a fossil-fuel project in the state..

The nation’s insurance industry has gone haywire in recent years amid a succession of floods , fires , and other climate-fueled disasters . These catastrophes have forced carriers to pay out billions in claims, and many have responded by raising premiums in disaster-prone states like Florida and Oregon or leaving certain markets altogether.

But many of these companies also provide coverage for fossil fuel projects, like pipelines and natural gas power plants, that would never be built without their backing. This gives the insurance industry a unique role on both sides of the climate crisis: insurers are helping make the problem worse by underwriting the very projects that warm the earth even as they bear the costs of mounting climate disasters and pass them on to customers.

Legislation in Connecticut, the capital of the American insurance industry and home to several of its largest carriers, could make insurers pay for that contradiction. If passed, the bill, which just cleared a committee vote in the state senate, would move toward imposing a fee for any fossil-fuel projects companies insure in state. That revenue would go into a public resilience fund that could underwrite sea walls and urban flood protection measures.

“It’s important to begin to hold [insurers] accountable for how they’ve played it both ways in terms of climate change,” said Tom Swan, the executive director of Connecticut Citizen Action Group, an economic justice nonprofit that has joined several environmental organizations in lobbying the legislature to pass the bill along with several environmental organizations. “People are seeing skyrocketing rates, or they’re pulling out of different areas, and they continue to underwrite and invest in fossil fuels at a pace much greater than their colleagues across the globe,” he said. 

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The group pushed a more aggressive proposal last year that would have charged insurers a 5 percent fee for any fossil fuel coverage they issued in the United States, but that bill failed after critics raised several legal questions. In particular, the industry argued that the Constitution’s interstate commerce clause prohibits taxing a company’s out-of-state business.

The new version, attached as an amendment to a climate resilience bill proposed by Democratic Governor Ned Lamont, would only require the state to produce a proposal for an insurance mechanism. The surcharge would apply only to fossil-fuel projects these companies insure in Connecticut, avoiding that constitutional challenge.

The assessment would apply not only to new pipelines and fuel terminals, which require ample insurance to attract lenders and investors, but to current coverage for existing infrastructure as well. This means anyone covering the state’s dozens of oil- and gas-fueled power plants would be contributing to the resilience fund. A report from Connecticut Citizen Action Group and several other environmental nonprofits found that the state’s insurers have together invested $221 billion in fossil fuels.

Supporters argue the reduced fee would still raise tens or hundreds of millions of dollars for climate resilience. Connecticut received about $318 million in FEMA disaster aid between 2011 and 2021, or about $149 in spending per capita, according to the climate adaptation nonprofit Rebuild by Design. That puts the state well below disaster-prone locales like Louisiana, which saw $1,736 in federal disaster aid per capita, but far above those like Delaware that haven’t experienced a major disaster in the past decade.

Eric George, the president of the Insurance Association of Connecticut, the state’s largest insurance trade association, said the organization would “strongly oppose” any surcharge, but added that he was still studying the bill.

The legislation comes as other states, including Vermont and Maryland, introduce “polluters pay” bills to hold oil producers accountable for climate damages. Connecticut’s proposed law is an iteration of that effort focused on an area where state regulators wield significant influence, said Risalat Khan of the Sunrise Project, a nonprofit focused on energy transition policy. 

“People are very directly seeing their premiums rise, in relation to climate disasters,” he said. “There’s a direct question there of, why aren’t state level regulators using more of their power to take local action?”

The significance of this financing mechanism could vary from state to state, says Benjamin Keys, a professor of economics at the University of Pennsylvania and an expert on climate insurance risks. 

“One major issue is that the fuels are collected and burned everywhere, but the pain of natural disasters is local in nature,” he said. Because of that, he questioned whether the financing mechanism “would be feasible for all communities to emulate, because many places have [lots of] disasters hit, but very little in the way of fossil fuel production.” Florida, for instance, doesn’t have much more fossil-fuel infrastructure than Connecticut, but faces extreme weather and other catastrophes far more often.

Even though the legislation is weaker than the previous version, supporters say passing it in the home of the country’s insurance industry would send a message to big companies that are still underwriting oil and gas projects.

“I think it’s a good policy, but from a narrative-setting perspective, it’s really important,” said Swan.

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Grist is the only award-winning newsroom focused on exploring equitable solutions to climate change. It’s vital reporting made entirely possible by loyal readers like you. At Grist, we don’t believe in paywalls. Instead, we rely on our readers to pitch in what they can so that we can continue bringing you our solution-based climate news.  

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