Hurricane Season Policy Review

As hurricane season is in full swing, we ask our customers to review their Insurance Policies carefully.


We recommend checking that your sums insured are correct. Losses are stressful at the best of times but one of the easiest ways to avoid under insurance on buildings cover is to ensure that the values on the policies reflect those provided under a recent rebuilding cost survey.

It is critical to ensure that the correct rebuilding values are reflected in your sums inured to avoid the negative impact of Underinsurance clauses included in all property policies, which have the effect of reducing a settlement if there is underinsurance.

Whilst most of the main covers offered by insurers are similar each has a slightly different wording so extra care is required in relation to outdoor fittings, satellite and antenna, solar panels and generators. These are not generally covered for Hurricane losses unless specifically advised to insurers and included on your policy. It is important to advise us if you have these items so that these can be included.

Not all items are insured, typically awnings and fences would not be insured for Hurricane or Tropical storm losses nor outdoor fixtures such as irrigation fixtures and outdoor generators. Soft landscaping such as lawns and hedges are also not commonly insured.

Remember also that certain losses are never covered by insurers and this includes mould. Mould losses are excluded from all policies in Cayman.

Contents insurance

A number of our customers opt not to purchase Contents cover rather just insure buildings. We use this an opportunity to remind you to review this and be sure that indeed you are comfortable with this decision.

If contents are insured, then we can provide a room checklist that allows you to go through room by room to ensure you have considered all items in calculating your contents value.

With a building, underinsurance can be easily avoided with the rebuilding survey. For contents, it is far more difficult in establishing an agreed replacement value so extra care is required that all contents have been considered.

We recommend that you keep photographs of the outside of the property including any cracks, water leak stainage and also a photo of each room including your valuable items such as TV’s, Stereos.

You need to consider carefully any jewellery items and artwork and any limitations your policy might have. Each insurer will have separate limits and you will generally need to specify valuable items with valuations for higher value items.

In the event of a warning that a hurricane is on route, please bring all outside furniture inside to a secure area, put shutters in place, ensure that everything is secure and you have water and provisions including torches and candles. Also, make sure your family are safe and inside a secure room (normally the bathroom is a good place to go).

If you are in any doubt now is the time to ask our experienced staff.

Should a hurricane hit our island we are on hand to assist you. We ask that you make contact with our office as soon as possible on +1 (345) 945 0030.

Published: September 23, 2020

Briat is Hiring

We are hiring! Briat Insurance is looking for the right candidates to join our team for the following roles.

Account Executive

We are looking for a qualified professional to join as an Account Executive to work within a diverse team.

The successful candidate will have a strong technical background with a focus on Property & Casualty and must have a least ACII designation.



We also have an opening for a University graduate with a Finance or Business related Degree to join our team as a Technician to provide outstanding documentation support to tight deadlines.

This is an exciting position which will provide an entry into Insurance to work alongside a team of highly qualified professionals. The role will provide an opportunity for the learning of lifetime transferable skills via academic Insurance studies and a world class insurance broker software used extensively in the insurance broking industry both globally and in Cayman.


Both roles require outstanding English skills and the ability to embrace a paperless office and use of EPIC/Applied Systems Broker management software for which specific training will be provided.


Any interested candidates who are looking for a challenge and meet the educational requirements should send their resumes to hr@briatgroup.com

Published: September 21, 2020

Briat donates to Kiwanis Club of Grand Cayman’s ‘Home School Lunch Programme’

Briat Insurance is proud to have provided a donation of one thousand dollars to the Kiwanis Club of Grand Cayman for their ‘Home School Lunch Programme’. The Kiwanis Club of Grand Cayman teamed up with the Department of Education and Feed our Future to ensure that all students they currently support in their ‘Buy a Kid Breakfast’ programme, as well as other children at risk, receive hot meals or Foster’s Supermarket vouchers during school closures and even after.

The Kiwanis Club of Grand Cayman has been helping kids in the community since 1975. The Kiwanis Club objectives include giving primacy to the human and spiritual, rather than to the material values of life, encouraging the daily living of the Golden Rule in all human relationships and promoting the adoption and the application of higher social, business, and professional standards.

The organisation helps the youth and community to develop, by precept and example, a more intelligent and serviceable citizenship, as well as provide, through Kiwanis clubs, a practical means to form enduring friendships. Their goal is to render altruistic service and to build better communities and to cooperate in creating and maintaining that sound public opinion and high idealism which make possible the increase of righteousness, justice, patriotism and good will. These are very strong objectives being instilled in the Cayman community through the Kiwanis Club that Briat also believes in and is proud to support.

Published: August 21, 2020

Briat donates to YMCA

Briat Insurance is proud to have provided a donation to the YMCA of the Cayman Islands, as part of their annual Caring Campaign fundraiser for 2019. Each year, the YMCA relies on the generosity of individuals and businesses to support their work and provide programmes and services, especially for those who require financial assistance. Their motto, “Let nothing stand between a child and success” is something Briat fully believes in and is proud to support. Funds raised for the YMCA go towards supporting the YCMA’s work with children and teens most in need during critical after school hours and school breaks by giving to EASP, Teen Leaders, and Day Camp.

Through the EASP, the YMCA serves up to 1,600 students from public schools across Grand Cayman and Cayman Brac, creating a safe place to build confidence as well as social and emotional awareness. Teen Leaders reaches young people aged 13 -17, helping them develop important leadership skills, while Y Day Camp provides a fun, nurturing atmosphere to learn and grow. The YMCA teaches and reinforces core values inspiring our young people to reach their full potential, building character that lasts a lifetime. Briat looks forward to seeing the wonderful work the YMCA of the Cayman Islands continues to do with Cayman’s youth.


Published: December 31, 2019.

Briat sponsors 2019 Cayman Islands Triathlon


Briat Insurance has once again supported the Cayman Islands Triathlon. The annual event was held on 4th November 2019 and saw hundreds of participants. The Cayman Islands Triathlon Association (CITA) is run by athletes for athletes. The committee consists of marathon runners, cyclists, long distance swimmers, duathletes, triathletes and iron men and women. Most importantly they are passionate for sports. CITA puts their all into each and every event so athletes can compete and enjoy.

CITA holds over 9 events each year designed to test stamina and build endurance, including the 3-week Stroke & Stride series, Try This Tri, and the Cayman Islands Duathlon. These events all lead up to the highly anticipated Cayman Islands Triathlon. Proceeds from all CITA events are used to support and grow local sports and foster young triathletes by building a network of coaches, investing in training and competition, and financially supporting athletes in attending & representing Cayman in events off island. A portion of proceeds from all CITA events are donated to a designated charity.

Briat admires CITA support for athletics and local youth and is pleased to be a two-time sponsor. Members of the Briat team were also present at the Cayman Islands Triathlon to provide support for participants and man a water stop station along the route. The Briat team thoroughly enjoyed their time at the event and look forward to seeing CITA continue sharing their passion for sports and health in the Cayman community.


Published: November 4, 2019

Briat sponsors 2019 Ice on Ice

Briat Insurance is proud to be a Gold sponsor to Hurley’s Media Ltd and Rocky’s Diamonds’ event, Ice on Ice. The event was held at Grand Cayman Marriott Beach resort on the 8th June 2019. All proceeds of the event, including ticket sales and cash purchases of chips that were used to play the casino style games, are donated to support the Cayman Islands Cancer Society (CICS).

The event transforms the Grand Cayman Marriott Beach resort into a lively casino and is one of Cayman’s most happening events. Attended by 500 lucky guests, each has a chance to win one of four ½ carat diamonds worth $1500CI each, courtesy of Rocky’s Diamonds. The event is complete with table games, a silent raffle, live jazz, gourmet food and drinks and much more.

The Cayman Islands Cancer Society offer financial aid to families to help with treatment-related expenses and day to day living expenses like rent, groceries and bills. They currently support more than 400 families. CICS provides education on cancer and patient services including equipment rentals. Briat is proud to be a Gold sponsor of Ice on Ice to support CICS.


Published on: May 22, 2019