Welcome to Masters Insurance Agency.

Let the Masters

do the work
for you.

We are a full service insurance agency located in the U.S. Virgin Islands with vast experience in the local insurance industry.

Looking to explore your insurance options? You are at the right place! Thank you very much for visiting our website. Whether you’re looking for auto, home, or commercial insurance, we can help you get the best coverage available. Please contact us to discuss how we can satisfy your insurance needs.

Contact us and get a quote today!

Contact Us

Meet Our Products

Auto Insurance

Automobile liability insurance in the Virgin Islands is required by law with the following minimum limits:

  • Personal
  • $10K per person
  • $20K per accident
  • $10K property damage
  • Commercial
  • $10K per person
  • $25K per accident
  • $10K property damage

Commercial Property

Protect your office building, furniture, fixtures, equipment, and inventory from an unfortunate event such as hurricanes, earthquakes, fire, and other perils.

Call us to design a program that best fit your particular needs.

Surety Bonds

Don’t risk your assets to guarantee certain financial obligations. Whether it is a requirement or to protect your assets, we can help with a variety of surety bonds, such as:

  • Notary public
  • Process servers
  • Private investigative agency
  • Security, watchman or patrol agency
  • Mortgage brokers
  • Resident lines broker
  • Surplus line broker
  • Non-resident broker

Commercial Liability

General Liability protects your business from third party losses arising from real or alleged bodily injury or property damage on your business premises or arising out of your operations.

Residential Insurance

Whether your residence is primary, seasonal, or rented to others, we can design a policy to cover your needs.

  • Structure – Main dwelling
  • Additional Structures – Structures not attached to the main dwelling.
  • Unscheduled Personal Property – A general limit for common items in your household not permanently attached to the structure.
  • Loss of Use – Indemnifies for limited costs of living expenses when your primary residence is not suited to live after a covered peril.
  • Personal Liability – Covers damages to third parties caused by you or members of family, whether in your home or elsewhere.

File a Claim

Auto Claims

Download form

Property Claims

Download form

General Liability Claims

Download form

Helpful Tips

We understand not everyone is an insurance expert and it can sometimes be confusing. We have created this Section to ease your way through some common situations. Here’s what to do in case of the following losses:

Auto Accident

  • Make sure you and the occupants of the vehicle are well
  • Protect the scene for further accidents
  • Call the police and file a report of the accident
  • Make an accurate record of the information
  • Take pictures
  • Exchange information with all persons involved in the accident
  • Report the accident to your insurance company

Home Incident

  • Make sure the premises are safe and secure
  • Protect the property for further losses
  • Preserve your personal items
  • Take pictures of the property
  • Do not alter the condition of your property to allow an inspection
  • Secure an estimate for repair
  • File a claim with your insurance company

Hurricanes (before)

  • Take time to review the insurance policy that cover your property
  • Build your hurricane emergency kit
  • Water
  • Clothes
  • Important documents
  • Flashlights
  • First Aid Kit
  • Ready-to-eat Food
  • Battery operated Radio
  • Money (cash)
  • Check doors and windows
  • Check your roof. Make sure it is sealed.
  • Look for yard debris
  • Check fences
  • Trim trees
  • Check water drainage and gutters
  • Install the shutters
  • Make sure your generator works

Hurricanes (after)

  • Protect all life and property
  • Take pictures of all damaged property
  • Take measures to minimize further damage
  • Do not discard any damaged property
  • Be careful turning on electric generators
  • Document all damages and prepare a detailed description
  • Notify your agent or Guardian Insurance as soon as posible

Contact Us

Masters Insurance provides you with the right coverage to keep you protected.​ Your best insurance is just a click away.
Contact us now for a quote.

Contact us for a quote today.






    Our Locations

    St. Croix
    4500 Sunny Isle Shopping Center
    Suite 25
    Christiansted, VI 00820

    St. Croix
    6299 Peter’s Rest
    Suite 10
    Christiansted, VI 00821

    St. Thomas
    #44 Subbase
    St. Thomas, VI 00802