Auto Solutions

  1. All tropical storm and hurricane warnings should be taken seriously ake all hurricane warnings seriously. Storms can be unpredictable and can turn at any moment, so be careful not to think you are clear of a storm until the hurrican center has advised.
    Remember:

    • Even though your building is well constructed it can still sustain major damage.
    • Loss of life and destruction of the conents of your home or office can be caused by flooding from excessive rainfall and debris carried by high-winds crashing through glass windows.
    • Do not wait until hurricane season to install hurricane shutters. If you already have shutters, then you should locate those and have all the elements ready for installation prior to the start of hurricane season.Check your shutters to ensure they are in good working order.
    • If you are using plywood to shutter your home, have the wood custome-cut to fit within the window opening as plywood nailed over windows that are not properly cut can be blown away during a storm. 
    • Always have a emergency supply of dry goods, canned foods and water on hand. Do not wait until the storm approaches. Delay could result in a scarcity of goods and inflated prices.
    • Trim your tress and clear the ground of debris that could become airborne missiles and cause unnecessary damage during a storm.
    • Replace loose roofing shingles at the start of the hurricane season.
    • Keep extra supplies of canned goods and other non-perishable items on hand
    • Place your important documents inlcuding your insurance policy in a watertight plastic bag, and be sure to keep it in a place you can easily access, should you need to evacuate. If you don't have your policy, request a copy from your agent. Be sure to review your coverage with your agent prior to the start of the season. REMEMBER, your will not be able to purchase or renew your home owners policy if a hurricane is approaching or within a certain distance of your home.
  2. If an accident occurs and someone is hurt, seek medical attention immediately. Once you are sure that the injured party is safe and receiving the necessary care, contact your agent to report the incident. As with all accidents, never admit liability. Simply state that you are insured with us and that we will be assisting with the matter.

  3. How much home owner's insurance you need will depend on several factors including the value of our home, where it is located, the enhanced security measures  in place and the value of your mortgae, if you have a mortgage.

  4. If you insure your home for less than the full replacement value, in the event of a partial loss you would be subjected to the CONDITION OF AVERAGE. Under this condition if you have a claim for partial loss, what you would receive from the Insurance Company would be the same percentage of your loss as your sum insured is to the full replacement value, minus any excesses that are applied under this policy. E.g. your sum insured is 50% of the replacement value, you would be paid 50% of the loss, minus the excess.

  5. Homeowners Insurance covers loss or damage arising from a variety of "Perils" such as fire, hurricane, earthquake, flood, faulty plumbing. It also includes cover for your liability to third parties in the event of your negligence. Please consult your Insurance Company/Broker for tull details.

  6. No, BAF offers the most flexible payment plans up to 6 months. To make paying your premiums even more convenient, you can choose from our many payment methods: 

    • Post-dated cheques
    • Pre-authorized payment from your chequing or savings account
    • Credit Card
    • Salary Deduction

    Please note that in the event of a claim, all outstanding premiums become due. Remember you must pay on time! Late payments incur a penalty.

  7. If your insurance cover expires at midnight before a public holiday or weekend, you should ensure that your policy is renewed before date as there is no grace period.

  8. Building insurance Sum Insured should include your home including patios, terraces, footpaths, driveways, fences, gates, swimming pools and tennis courts for its full replacement cost.

  9. Contents insurance covers things in your home that you could take with you when you move - from drapery and carpets to television and washing machines. It also includes clothing, personal possessions and valuables.

  10. Personal Possession offers worldwide coverage for your valuable items such as jewellery, camera equipment, clothing and other personal effects. Copies of valuations or proof of purchase price for all items exceeding $1,000.00 will be required before cover commences.

Homeowners Solutions

  1. The vehicle can be used for your business purposes if the insurance company has been be notified of the change. This cover will attract additional premium

  2. When building your own home, it is important that you and/or your contractor has the proper Contractor's "All-Risks" insurance to protect you in the event of an accident. 

  3. Whether you are operating a store or office, you have invested time and money in your equipment, office furniture, inventory and fixtures. In the event of  a fire or break-in, your landlord is not responsible for replacing your stolen or destroyed items. It is your responsibliity to protect your contents.

  4. Contractors'All Risks (CAR) insurance is an insurance policy that provides coverage for both damage to a property and third-party injury or damage claims. Contractors' all risk (CAR) insurance policies are considered non-standard insurance policies. Construction projects typically involve two primary types of risk: damage to the property, and third-party claims of injury or damage. Damage to the property could include the structure not being properly constructed or receiving damage during a renovation. Thirdparties, including subcontractors, may become injured while working at the construction site. Contractors' all risk (CAR) insurance bridges these two risks into a common policy, and helps cover the gap between exclusions that would otherwise exist when using separate policies.

  5. Commercial Insurance is needed by any firm or sole practitioner that

    • Leases space for business purposes
    • Owns a business property
    • Has office property or equipment
    • Has employees
    • Handles client records or property
    • Handles personal identifiable information
    • Handles firm or client cash/funds
    • Has clients visit their business premises
  6. Property insurance protects the physical assets your nonprofit owns - such as computer and office equipment, your facility(ies) and furniture, fixtures, buildings and property used in connection with your business. What insurance covers theft? Insurance that addresses the risk of insider theft is referred to as a Fidelity Bond. Many businesses purchase this coverage as part ofa package policy that addresses other property exposures. It is also possible to obtain the coverage as a standalone policy

  7. General Liability Insurance, also called Commercial Liability Insurance, is a policy that covers third-party lawsuits over bodily injuries and property damage. A "third party" can be anyone other than the insured's employee (e.g., a customer or a business partner). At its most basic, General Liability covers the cost of investigating claims and defending against third-party lawsuits. It pays attorney fees, court costs, witness fees, settlements, and court-ordered judgments. The policy may also cover an injured party's immediate medical expenses and the cost of repairing or replacing their damaged property.

Commercial Solutions

  1. In the event of an accident, bring your motor vehicle to a complete halt and call the police. Remain on the scene of the accident until the police arrives. If you or a passenger are injured and require immediate medical attention, call an ambulance immediately.

    Don't forget:

    • write down the name, address and insurance information for the other party in the accident.
    • take pictures at the accident scene if you are able to do so with a camera phone or other device
    • when the police arrives, write down the name and number of the officer(s). 
    • NEVER admit liability or agree to fix the other person's car even if you think the accident may have been your fault. Exchange your insurance information and refer the other party to us.
    • If your vehicle is disabled, contact a towing company and have it towed to your home. If you choose to tow it to a third-party parking lot, be sure to ask about storage fees which are charged by tow comanies and lots.
    • Report the acccident to your insurance company at the first possible opportunity. Follow up your phone call with a visit to the office with your documents and driver's license.
    • should you receive anysubsequent legal documents or other correspondence from the other party or any representative of the other party, be sure to forward those documents to us immediately.

    For more information on what to do in the event of an accident contact us at: 242-328-8996 / 328-8396

  2. There are many factors that influence the type of insurance that is suitable for your motor vehicle. Among these factors are the type and age of your vehicle, where you live and the security features installed on your automobile. Of course, affordability is a major factor as well. It is best to speak with one of our specialists about your car insurance needs.

  3. If your insurance cover expires at midnight before a public holiday or weekend, you should ensure that your policy is renewed before date as there is no grace period.

  4. No, BAF offers the most flexible payment plans up to 6 months. To make paying your premiums even more convenient, you can choose from our many payment methods:

    • Post-dated cheques
    • Pre-authorized payment from your chequing or savings account
    • Credit Card
    • Salary Deduction

    Please note that in the event of a claim, all outstanding premiums become due. Remember you must pay on time! Late payments incur a penalty.

  5. This is a discount which is earned by an individual for having a claim-free/accident-free period of insurance. Every year of claim free driving increases your NCD until it reaches maximum.

  6. No. A windscreen claim does not affect your NCD, nor is an excess payable. The benefit is limited to two (2) claims for the life of the policy. You can purchase/reinstate this benefit after the 2nd claim.

  7. The coverage provided is for you only, you cannot sell or transfer your insurance policy. Should you dispose of your vehicle by whatever means, whether sale or gift to a friend you must do the following:

    • Advise BAF General immediately of the sale and change ownership of the vehicle
    • Surrender the Insurance Certificate or Cover Note to BAF GENERAL
    • Request that the coverage on the vehicle be terminated
  8. You must advise BAF GENERAL of any change to your vehicle which would increase performance. The associated risk will be underwritten to determine if there will be an increase in premium.

  9. The excess/deductible is the first portion of claim you pay when making a claim. The excess must be paid whether you are at fault or not.