Overview
Aura Underwriting is Lloyd’s leading Caribbean property Coverholder, specialising in the placement of niche, high-quality risks throughout the Caribbean. We partner with brokers to deliver professional (re)insurance solutions that combine underwriting discipline, responsive service, and deep market insight. We pride ourselves on delivering consistent, reliable, and market-leading underwriting.
With decades of experience across the Caribbean, the Aura team combines strong local knowledge, with the technical capabilities and global reach of the London market, giving brokers a trusted, professional partner who truly understands the territory and fast changing market landscape.
Regions covered
Caribbean
Products
Choose a product:
Commercial Property
Overview
At the heart of our business is a focus on the highest quality commercial risks the Caribbean has to offer, supported by a proven track record of superior loss ratios.
We specialise in light commercial and non-complex risks that are often considered too large for local carriers yet too small for Lloyd’s open market appetite. This unique positioning allows us to bridge the gap, providing brokers with a reliable, efficient, and well-capitalised solution for placements that require both local understanding and Lloyd’s level underwriting standards.
We pride ourselves on delivering exceptional service and responsiveness, ensuring brokers receive swift underwriting decisions, rapid quote turnaround, and prompt policy issuance. In addition, to our dedicated and expert-led claims service team.
Regions
Caribbean
Key Islands include but are not limited to:
Turks & Caicos
U.S Virgin Islands
Cayman Islands
Puerto Rico
Accepted Territories
Antigua and Barbuda, Barbados, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Aruba, Curacao, BES Islands, Saint Martin, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Mustique, Trinidad and Tobago, Anguilla, British Virgin Islands, Cayman Islands, Montserrat, United States Virgin Islands, The Bahamas, Turks and Caicos, Puerto Rico
Risk Appetite
Backed by 100% Lloyd’s capacity, we can deploy large line sizes (up to 100%). We offer comprehensive all-perils coverage, including Windstorm/Hurricane, Flood, Earthquake and standard non-catastrophe perils.
Accepted Occupancy:
- Condominiums
- Offices
- Retail Complex/Units
- Hotels
- Villas
- Residential Apartments
- Supermarkets
- Schools
- Banks
- Or any other light commercial risks (low hazardous)
Coverage & Limits
- We typically underwrite policies with TIVs between USD 20 million and USD 40 million, though we can consider placements ranging from USD 1 million up to USD 100 million.
- Our maximum line size is USD 15 million per individual building for our share.
- Up to 100% Line Size Available.
USVI Homeowners/Small Commercial
Overview
Our USVI product is built for small to medium sized homeowners and commercial risks across the US Virgin Islands. Focusing on direct to local broker, surplus lines placements. With large line sizes and fast turnaround on quotes and policies, we bring the strength and speed needed in a complex regional market. With quotes and policies typically delivered within 24-48, our expert claims team ensures consistent, reliable service when it matters most.
Regions
Caribbean
Key Islands include but are not limited to:
Turks & Caicos
U.S Virgin Islands
Cayman Islands
Puerto Rico
Accepted Territories
Antigua and Barbuda, Barbados, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Aruba, Curacao, BES Islands, Saint Martin, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Mustique, Trinidad and Tobago, Anguilla, British Virgin Islands, Cayman Islands, Montserrat, United States Virgin Islands, The Bahamas, Turks and Caicos, Puerto Rico
Risk Appetite
Focused on niche, high-quality accounts, we offer comprehensive all-perils coverage, including Windstorm/hurricane, Flood, Earthquake and Standard non-catastrophe perils.
Coverage & Limits
- Max USD 2.5m TIV
- 100% line sizes
Ex-Wind/Cat Homeowners/Commercial
Overview
Designed for small to medium-sized risks across the Caribbean, our Ex-Wind/Cat product provides alternative coverage solutions for clients seeking more affordable options or for situations where traditional wind policies may be unavailable. The product is tailored to meet the needs of brokers and their clients, providing competitive pricing, efficient placement, and reliable protection. This allows brokers to secure coverage quickly while offering clients a cost-effective alternative without compromising on quality or service. Reinforced by our dedicated claims team, ensuring efficient service at every stage.
Regions
Caribbean
Key Islands include but are not limited to:
Turks & Caicos
U.S Virgin Islands
Cayman Islands
Puerto Rico
Accepted Territories
Antigua and Barbuda, Barbados, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Aruba, Curacao, BES Islands, Saint Martin, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Mustique, Trinidad and Tobago, Anguilla, British Virgin Islands, Cayman Islands, Montserrat, United States Virgin Islands, The Bahamas, Turks and Caicos, Puerto Rico
Risk Appetite
We provide comprehensive All-Other Perils coverage, excluding Windstorm and Catastrophe exposures. By removing wind risk, our underwriting appetite broadens, allowing for greater flexibility and enhanced risk selection, giving brokers more options to place quality business efficiently.
Coverage & Limits
- Max USD 5m limit for our share
- 100% line sizes
General Liability
Overview
Our General Liability product delivers tailored liability protection for niche, high-quality commercial risks across the Caribbean. Focused on top-tier accounts, we offer flexible, comprehensive cover backed by 100% Lloyd’s capacity. With quotes and policies typically delivered within 24-48, our emphasis on top tier risks and superior loss ratios is reinforced by our dedicated claims team, ensuring efficient service at every stage.
Regions
Caribbean
Key Islands include but are not limited to:
Turks & Caicos
U.S Virgin Islands
Cayman Islands
Puerto Rico
Accepted Territories
Antigua and Barbuda, Barbados, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Aruba, Curacao, BES Islands, Saint Martin, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Mustique, Trinidad and Tobago, Anguilla, British Virgin Islands, Cayman Islands, Montserrat, United States Virgin Islands, The Bahamas, Turks and Caicos, Puerto Rico
Risk Appetite
Targeting well-managed, small to mid-sized commercial operations across the Caribbean with a proven track record and strong risk profile. Ideal for risks seeking comprehensive liability protection with quick turnaround.
Coverage & Limits
Up to USD 10m Limit (WWJ or LJ) Public / Products / Pollution / Employers Liability.
Portfolio manager
Contact AURA
Phone
Address
The Monument Building, 11 Monument Street, London, EC3R 8AF
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