Precision where it matters most
Independent loss adjusting across the Caribbean. We deliver rigorous, defensible claims assessments — bridging local expertise with international market standards.
Objective assessments, fair outcomes
claims.ky is an independent loss adjusting practice based in the Cayman Islands, serving insurers, reinsurers, and policyholders across the Caribbean.
A loss adjuster is an independent professional appointed to investigate, evaluate, and negotiate the settlement of insurance claims. We are not advocates for any single party — our role is to arrive at a fair and accurate assessment of a covered loss.
From policy analysis and site inspection to quantum assessment and final reporting, we bring technical rigour and local knowledge to every instruction. Our reports are built to withstand scrutiny — whether from a local carrier, a Lloyd's syndicate, or a reinsurance panel.
Built on what matters
Transparency
Every stakeholder deserves clarity. We communicate openly at every stage — from initial inspection through final settlement. No ambiguity, no surprises.
Speed
When a loss occurs, time is critical. We deploy rapidly, report promptly, and maintain momentum through resolution. Delays cost everyone.
Relationships
In a close-knit market, trust is earned over time. We build lasting partnerships with insurers, policyholders, and brokers through consistent, fair outcomes.
Claims expertise across every sector
From residential property to complex commercial operations, we bring the same standard of technical precision and independent judgement to every instruction.
Property & Residential
Comprehensive assessment of residential and commercial property damage, from structural surveys to repair cost quantification.
Commercial & Industrial
Business interruption analysis, inventory losses, and complex commercial claims requiring detailed financial assessment.
Natural Catastrophe
Rapid deployment for hurricane, flood, and storm surge claims. Pre-positioned Caribbean expertise with surge capacity when it matters most.
Marine & Cargo
Port infrastructure, vessel damage, and cargo claims across Caribbean trade routes and maritime operations.
Construction & Engineering
Contractors' All Risks, project delays, defects liability, and construction-phase claims for Caribbean development projects.
Liability & Specialty
Third-party liability, professional indemnity, and specialty lines requiring nuanced coverage analysis and stakeholder management.
A region that demands local expertise
The Caribbean is one of the most catastrophe-exposed regions on earth. Hurricane season, seismic activity, and rising climate risk create a claims environment that demands adjusters who understand both the landscape and the market.
We know the local construction methods, the contractor markets, the material supply chains, and the regulatory frameworks. We understand that every Caribbean jurisdiction has its own nuance — and that international reinsurers need reports that meet global standards.
Atlantic Hurricane Season
Six months of heightened catastrophe exposure requiring pre-positioned response capability and surge readiness.
Lloyd's & London Market
Caribbean insurers cede significant risk to international reinsurers. Our reporting meets the standards these markets demand.
On-the-Ground Presence
Understanding demand surge, island logistics, and regional cost indices is not optional — it is essential for accurate quantum assessment.
From instruction to settlement
Instruction
We receive the claim details and policy documentation. Initial acknowledgement and deployment planning begins immediately.
Investigation
Site inspection, evidence gathering, and detailed documentation. We assess the loss against the policy terms and coverage provisions.
Assessment
Quantum analysis using current regional cost data. We produce accurate reserve recommendations and interim payment guidance.
Resolution
Comprehensive reporting with clear findings and recommendations. We facilitate fair settlement between all parties.
Let's discuss your claim
Whether you are an insurer seeking a loss adjusting appointment, a broker placing Caribbean risk, or a policyholder navigating a claim — we are here to help.