7:45am - 3:30pm
Monday to Friday
8:00am - 12:00pm
Saturday

Email

info@hihgy.com

Phone

+592 225-1865 – 7
7:45am - 3:30pm
Monday to Friday
8:00am - 12:00pm
Saturday

Email

info@hihgy.com

Phone

+592 225-1865 – 7

Property Insurance

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Why Should I Buy Insurance?

  • To protect your personal property and contents.
  • To protect your furniture, appliances, and other personal belongings.
  • Protection against liability for accidents that may injure other people or damage their property.

Why Insure with Hand in Hand?

  • Longest established insurer in Guyana (since 1865)
  • Certified by the Local Content Secretariat
  • AM Best Rated Insurers
  • Superior customer service
  • Reliable and sufficient coverage
  • Prompt Claims Settlement
  • Affordable and competitive rates
  • Eighteen (18) offices countrywide
  • Convenient renewal options (MMG, Scotia Online, Republic Online, Citizens Online, GBTI GO Banking, Demerara Online)

Residential Insurance Coverages:

Fire and Allied Perils

Our Fire policy covers your Residential Building against damages arising from a wide range of perils. In the event of an incident resulting in property damage, our Fire policy will help you repair or reconstruct your building.

Contents Insurance

Let us safeguard your hard-earned household contents, whether you are the owner of the building or renting.

Householders’ Comprehensive

In addition to the coverage offered by our Fire policy, our Householder’s Comprehensive policy safeguards your property in the event of Theft, accompanied by actual forcible and violent entry into the building or any attempt thereof. Standard extensions provide additional coverage for Rental and Alternative Accommodation, Breakage of Fixed Glass and Sanitary Fixtures, Public & Personal Liability as Owner or Occupier, Temporary Removal, and a Fatal Injury benefit.

‘Hassle Free’ Contents Insurance

Our affordable ‘Hassle Free’ Contents Insurance provides up to $1,000,000 coverage for household items (without requiring a list of contents) against perils including Fire, Lightning, Explosion, Riot, Strike and Malicious Damage, Aircraft Damage, Vehicle and Animal Impact.

Commercial Insurance Coverages:

Material Damage Insurance

Insure your Business property from loss/damage caused by Fire and Allied perils including Earthquake, Hurricane, Storm, Flood, Malicious Damage and Aircraft /Vehicle Impact.

Property “All Risks” Insurance

We can cover your Business assets such as Building, Machinery and Stock from loss/damage caused by All Risks perils. A wide range of extensions may be included such as loss/damage to Plate Glass, Property-in-Trust, Theft, Goods, Cash-in-Transit and Machinery Breakdown.

Business Interruption Insurance

Whilst Material Damage (Fire & Perils or “All Risks”) insurance covers your physical property, Business Interruption insurance provides cover for Loss of Profits and specified expenses following loss/ damage resulting from insured Material Damage perils and it is underwritten in conjunction with Material Damage Cover.

Marine Cargo Insurance

Insure your Cargo either on an ‘All Risks’ or Total Loss basis. Coverage can be issued on a warehouse-to-warehouse or port-to-port basis for Cargo stored in approved shipping containers or in approved ships.

Employer’s Liability Insurance

Protects your business in the event of death or injuries sustained by an employee either on site or off site, as determined by the policy terms.

Public Liability Insurance

Let us cover the cost of claims made by members of the public (third parties) for incidents that occur in

connection with your business activities. This type of policy covers the cost of compensation for personal injuries, loss of or damage to property, bodily injury, or death.

Travel Insurance

Safeguard yourself and your family with our Travel Insurance Policy which provides coverage for medical expenses, personal accident, and lost baggage. The limits and duration of cover can be designed according to your specific requirements.

Contractors’ All Risk Insurance

The cover protects against damage to building works, specified machinery and liability to third parties, within the construction industry.

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  1. Sign in to your Scotia Online account.
  2. Click on “Pay” in the red navigation bar and select “Pay a Bill” from the drop-down menu.
  3. Select or add “Hand in Hand Fire” as the payee then enter your (9) digits policy number.
  4. Enter your payment details as follows:
    * Select account to be debited.
    * Premium amount you wish to pay.
    * Frequency of payment e.g. one-time payment or setup recurring payments.
  5. Verify all payment details are correct and click pay.

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  1. Dial *123# or sign in to the MMG app to access your MMG wallet.
  2. Select 1 for “Pay Bills”.
  3. Select 7 for “Insurance”.
  4. Select 7 to go on the next page then select 2 for “Hand in Hand”.
  5. Select 1, 2 or 3 for your Fire, Life or Motor Insurance policy, respectively.
  6. Enter your Policy Number starting with 01…
  7. Enter the Premium amount to be paid, then your MMG PIN to confirm payment.

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  1. Sign in to your Republic Online account.
  2. Click “Pay”.
  3. Select “Company/Utility Payments”.
  4. Under “Utility to Pay” click other, and then select “Insurance” from the drop-down menu.
  5. Select either Hand in Hand Fire, Life or Motor Insurance.
  6. Enter Policy holder’s name and policy number.
  7. Enter premium amount to be paid.
  8. Select account to be debited, then click continue and confirm payment.

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With over forty years senior management experience, former General Manager and Chairman of Sterling Products, Mr. Carpenter currently sits on the Board of Directors of Republic Bank (Guyana) Inc.

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Former Chairman of Guyana Pharmaceutical Corporation, GCIS and many state boards, Mr. Lee holds the Golden Arrow of Achievement, National Honour.

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Dr. Ian A Mc Donald

Renowned sports personality, retired Marketing Director of Guysuco and Chairman of the Sugar Producers Association of the Caribbean, Dr. Mc Donald is also one of Guyana’s leading literary experts, newspaper columnist and author of the Caribbean literary standard, ‘The Hummingbird Tree’. Dr. Mc Donald sits of the Commission for the Development of West Indian Cricket. Dr. Mc Donald holds the Golden Arrow of Achievement, National Honour.

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Mr. T Alan. Paris

Recently retired Managing Director of Citizens Bank Inc. Mr. Parris brings several decades of top executive competence in management, banking and finance.

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Mr. Charles R. Quintin

Retired Managing Director of Demerara Tobacco Company, Mr. Quintin is considered an authority in management, particularly in the area of Human Resource Development.

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Mr. Paul A Chan-A-Sue

Former managing Director of Guyana Stores Ltd and sports personality, Mr. Chan A Sue is the Chairman and Managing Director of Ansa Mc Al Guyana. He sits on many corporate and charitable Boards including stints on the Boards of NBIC (Guyana) and Citizens Bank. Mr. Chan-A-Sue is also the holder of the Golden Arrow of Achievement.

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Mr. Keith A Evelyn

With over 30 years managerial experience and fifteen years as CEO, his entire working life has been spent in the insurance industry. He is also a Past President of the Insurance Association of Guyana, Chairman of the Small Business Council and holds directorship of The Berbice Bridge Company Inc.

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Mr. Omadatt Singh

Mr. Omadatt Singh started his career in 1996 at Hand-in-Hand in the Finance Department. In 2004, he established and headed the Internal Audit Department. He served as Broker’s Manager and was in charge of our Motor Operations between 2010 and 2013. In August 2013, he was appointed as the Life Manager. Mr. Singh has a wealth of knowledge in finance, investment and insurance. Mr. Singh also served as a member of the Technical Committee of the Institutes of Chartered Accountants of Guyana.

Educational Background

  • Master of Business Administration, The Oxford Brookes University in the United Kingdom.
  • Bachelor’s Degree in Applied Accounting, The Oxford Brookes University in the United Kingdom
  • Fellow, Association of Chartered Certified Accountants , United Kingdom.
  • Member, Certified General Accountants Association, Canada.
  • Member, Chartered Property Casualty Underwriters, United States of America.

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Mr. Ronald Stanley

Mr. Stanley is responsible for ensuring that the Hand-in-Hand is compliant with Best Practices and Regulatory Authorities. He ensures that the most advanced systems are maintained in the company.

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Mr. Compton Ramnaraine

With over twenty five years in the industry, Mr. Ramnaraine ensures that the financial reporting and accounting systems of Hand-in-Hand are managed and maintained at the highest standards, observing all relevant IFRS (International Financial Reporting Standards).

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Ms. Mary Nagasar

Ms. Nagasar has over thirty years experience in insurance underwriting making her one of the most knowledgeable and experienced underwriters in the industry. She specializes in Property and Liability Insurance.

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Mrs. Chuwatie Harduwar-Ramsaroop

Mrs. Harduwar-Ramsaroop joined The Hand-in-Hand Mutual Fire Insurance Company Ltd in 1994 and offers a wealth of knowledge in Underwriting & Motor Claims. She is responsible for the Customer Services and Motor operations including Brokers and Claims.

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Mrs. Elizabeth Gopie

Mrs. Gopie joined The Hand-in-Hand Mutual Fire Insurance Company Ltd in 1991 and currently holds the position of Assistant Life Manager; with a wealth of knowledge and experience in Customer Service, Life, Health & Pension Administration and Life underwriting.

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Ms. Savita Singh

Ms. Singh is responsible for ensuring that Hand-in-Hand’s Direct Sales and Marketing goals are achieved, in accordance with the Company’s objectives and standard.

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Mrs. Zaida Joaquin

Mrs. Joaquin who began her insurance career at the then American Life Insurance Company (ALICO) from 1981, is an experienced Life Underwriter. Upon joining The Hand-in-Hand Mutual Fire Insurance Company Limited in 1992, she has held many positions throughout the Company. Her most recent post is that of Human Resources/ Administrative Manager.

She is also the Current Chief Commissioner of Scout Association of Guyana, the Chairman of the Caribbean Scout Executive Committee, a Committee member of the Interamerican Scout Committee and a member of the Global Support Core Group of the World Organization of Scout Movement. In addition, she is the current Vice Chairman of the Queen’s College Board of Governors.

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Ms. Lalita Sukhram

With over twenty years’ experience as a Life underwriter, Mrs. Sukhram brings a professional approach to customer service, specializing in Life Underwriting, Pensions and Medical Insurance.

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Mr. Kin Sue

Mr. Sue, trained in the United Kingdom and comes with an extensive technical background in investment banking, financial product/services, financial modelling, strategic analysis and accounting (both financial and managerial). He ensures that the company’s investment and accounting objectives are achieved whilst compliant to the code of conduct.

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Mr. Stephen Rambajan

Mr. Rambajan is a former General Manager of Berbice Bridge Corporation Inc. and has a wide expertise in accounting, auditing and the financial and operational development of large projects. He is primarily responsible for our Projects Operations, as we prepare to enter Guyana’s new Oil and Gas economy.

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Mr. Paul Braam

Mr. Paul Stanislaus Braam is an Attorney-at-Law, who immediately prior to joining the Hand-in-Hand Group of Companies as the Legal and Compliance Officer, was the founding Managing Attorney of BV Law Inc. Mr. Braam’s practice as an Attorney-at-Law primarily focused on general non-contentious matters, including but not limited to Corporate, Civil, Family, Conveyancing and Estate Administration. He is the holder of a Bachelor of Law Degree (LL.B) and Post Graduate Certificate in Legal Education (L.E.C.) from the Council of Legal Education, Hugh Wooding Law School. He is also the recipient of a Diploma in Industrial Relations & Management and a Certified Court Appointed Mediator.
Mr. Braam is currently pursuing studies for admission to the Association of Certified Anti-Money Laundering Specialist (ACAMS) and continuing studies in pursuance of a Doctorate in Transformational Leadership.

He is currently admitted to practice both in Guyana and Trinidad & Tobago but is qualified to practice as an Attorney-at-Law in the wider Caribbean community. Prior to qualifying as an Attorney-at-Law, Mr. Braam served in various companies in different management capacities and also as Company Secretary and Director. Mr. Braam currently heads the Legal and Corporate Department of the Hand-in-Hand Group of Companies in the capacity of Legal and Compliance Officer. He is also the appointed and designated Ombudsman/Complaints Officer of the Group.

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Mr. Maurice John

Over 25 years of experience in the operations of the Trust Corporation and participated in training programs both locally and overseas. Mr. John is also a Director of two Private Companies.

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Mr. Tajnarine Parmesar

With over twenty five years senior management experience in both the Private and the Public sectors. Former Group Finance Controller – Neal & Massy (Guyana) Group. Former Chief Financial Officer – Cara Hotels (Guyana & Caribbean).

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Mrs. Margaret Pierre

Ms. Pierre has over forty-three years experience in Underwriting/Claims in Motor, Marine, Property and Liability insurance. Prior to her appointment with the Hand-in-Hand Group she was employed with the Booker Group and the Government Insurance Company. She now has the responsibility of managing the day to day operations of the GCIS Incorporated.

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Mrs. Shanti Singh

Mrs. Singh joined the Hand-In-Hand Group of Companies in 1992. With over thirty-two (32) years of experience in the industry, she now serves as Operations Manager/Company Secretary at GCIS Incorporated. Mrs. Singh is responsible for managing the overall operations of the company; formulating and implementing policies and strategies and ensuring compliance with legal and regulatory requirements.

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Mr. Krishundat Ayoganand

Mr. Ayoganand is a former Mathematics Lecturer and Supervisor in the Insurance Supervision Department of the Bank of Guyana. He has a wide expertise in finance, accounting, and regulatory financial compliance. Mr. Ayoganand primarily heads our Financial Compliance and Stress Testing operations; as we continuously develop the robustness of our financial systems to the highest international standards.

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Shakuntala Sandy Singh

Mrs. Singh joined Hand-in-Hand Group of Companies in 1993 as a Senior Clerk in the Data Processing Department. She acquired FLMI and ACS; did some programming - Basic and Advanced, computer repair courses, networking, and Active Directory- MCSA, dabbled in web designing and a host of other applications as it relates to the evolving of new technologies and have additionally acquired a distinction in Business English in London.
With over 3o years’ experience, Mrs. Singh has a good grasp on technology and its latest development. She was responsible for the initial successful configuration of HIH’s first branch (Vreed-en-hoop) online through the iSeries; and subsequently facilitated same for the other branch offices. Mrs. Singh is currently responsible for the day-to-day operations of our Data Processing Department.

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Mrs. Sandra Sookdeo-Ishmael

Mrs. Ishmael has a wealth of knowledge in Property and Liability Insurance, since joining The Hand-in-Hand Mutual Fire Insurance Company Ltd over 27 years ago. She is currently responsible for the day-to-day operations of the Fire Department.

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  1. Log into your Citizens Online Banking profile.
  2. Select “Bill Payment” from the Home Screen under the “Payments” tab.
  3. Select the “Create New Relationship” tab at the top of the screen, then type “Hand-in-Hand” in the rectangular box.
  4. Select one of the following options:
    a. Hand-in-Hand Mutual Fire Insurance – for Fire Insurance renewals
    b. Hand-in-Hand Mutual Motor Insurance – for Motor Insurance renewals
    c. Hand-in-Hand Mutual Life Assurance – for Life Insurance renewals
  5. Select “Add Relationship”, input the relevant “Payment Information” in the form then select “Add Relationship” again.
  6. To renew your insurance policy, click “Bill Payment” then select the Hand-in-Hand relationship that you just created.
  7. Fill in the relevant payment details then select “Make Payment” to complete your renewal.

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  1. Sign in to your GBTI GO Banking Account.
  2. Select “Card / Bill Payments" from the main menu, click 'Quick Payment', then select 'Insurance' under category and 'Hand in Hand' under biller name.
  3. Enter your Hand in Hand policy number and customer name, select the account you are paying from, enter the amount to be paid (premium) and click submit.
  4. Subsequently, you will be asked to confirm the payment, click 'Confirm' to process the transaction.

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Mr. Azad Ali

Mr. Ali is a former Financial Analyst from the Bank of Guyana and has over 10 years of experience in the insurance industry. He is responsible for assisting in managing the day-to-day operations of GCIS Incorporated and ensuring that the company is AML/CFT compliant.

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Mr. Ganesh Singh

Mr. Singh began his insurance career in 2010. He recently attained the C.P.C.U. qualification and with over 14 years’ experience he is responsible for the day-to-day operation of the broker section.

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Mrs. Faneeza Kowlessar

With almost thirty years in the insurance industry, Mrs. Faneeza Kowlessar, Assistant Manager, is responsible for underwriting in the Motor Services Department and current secretary for the Insurance Institute of Guyana.

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Mr. Tajpaul Adjodhea

With over twenty-five years managerial experience and twelve years as Branch Manager of the Berbice Operations. Mr. Adjodhea is responsible for the efficient management of the five offices in Berbice. He is a past president of the Central Corentyne Chamber of Commerce and The Rotary Club of New Amsterdam. He also served as the Coordinator of Berbice Expo and Trade Fair for over ten years.

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