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This Company is locally incorporated and registered as an Insurance Broker to provide professional advice and services in Risk Identification & Management. 

Comprehensive has grown from a staff of four (4) persons and a portfolio of $500,000 in the early 1970’s to a staff of twenty five (25) and a portfolio in excess of $25 million in premium income and in excess of 1.5 billion in assets. It has a client base of approximately 2,500 many of whom have been with the company from its inception, e.g. Z Muzaffar (Trinidad) Limited, Carpet World, Juman’s Complex and Associated companies. We have recently added some State owned businesses to our clientele with great success, and we as always, handle each client’s portfolio with all the individual attention they require.
Some of our larger Group Health Insurance clients include Intercomm Holdings – Trinidad Limited and Trinidad & Tobago Forest Products Limited (TANTEAK).
Marketing:
CIBL’s Marketing Department operates through various account executives who, with their combined areas of specialization, use their knowledge of and access to the entire world market to satisfy the needs of their clients.
Over the years CIBL has developed a healthy working relationship with all the major Insurers operating in the local and international markets. These relationships have been strengthened in recent years and continue to flourish.
Our marketing staff includes specialists in the following areas:
Multiple Line
Single Stand Alone Line
Excess Insurance
Reinsurance
Foreign Placement
In addition, the professional services of persons and organizations in specialized areas in both the London and Local markets are available to CIBL viz:
Miller Independent Specialist & Reinsurance Broker
– Operating Internationally & at Lloyd’s
CK Re Insurance Brokers Ltd. –
London
-Hart & Lennard – Quantity Surveyors and Property Valuators
-Trinidad Engineering and Research Limited – Engineers
-Alliance Insurance Management – London
-Seguros Corporations – Bond Facility exclusive to CIBL
Claims:
It is the philosophy of CIBL that one of the most important functions as an Insurance Broker is in the area of obtaining Claim Settlement on behalf of our clients. To this end, expertise and resources are utilized to ensure prompt and satisfactory settlement of our insureds’ claims and we have been extremely successful over the past twenty-four years.
There are three main services which CIBL’s Claims Department will provide:
To visit and advise the client on ways and means of minimizing the loss, and methods by which the contingent losses may be decreased following a loss.
To sit with the client and compile figures and documents for presentation to the Underwriters in the best way to ensure that the client would be put back into the same position as he/she was in before the loss occurred.
To negotiate settlements with insurers and ensure prompt disbursements. Advice will also be given to the client on methods of reinstatement and loss control techniques to avoid a similar situation from reoccurring.
Claims Highlights
CIBL was the only broker to successfully negotiate the settlement of a claim which resulted from the event of the attempted Coup on 27th July 1990. This resulted in our client Laurette’s Limited of Queen Street Port Of Spain being paid over $1.5 million USD for damage and looted stock.
In April 1995 our client Aakanson Trading / Naisa Brand Products premises was completely destroyed by fire, resulting in claims against nine (9) policies involving fourteen (14) insurance companies and three sets of adjusters, both local and overseas. Even though the insurers were initially reluctant to accept liability for the losses, CIBL’s personnel were able to successfully negotiate settlement of all the claims, including:
Property Damage – Buildings
Stock in Trade – Two Policies
Machinery & Equipment – Two Policies
Computers
Consequential Loss
Final payment exceeded $28,000,000.00
J. C. Aboud – Fire: $3,000,000.00
National Shoe Manufacturing – Workmen’s Compensation: $97,000.00
R. A. Mohammed Sawmills – Marine: $312,000.00
Intercomm Holdings – Overhead Cable: In excess of $800,000.00 US Dollars
Organizational Structure
Board of Directors
Technical / Customer Service Department
Underwriting / Clerical Department
Claims Department
Accounts Department
Information Systems
Key Personnel
Neil Gosine – Managing Director
Peter M. Kanhai – Director: Technical / Marketing / Accounts Executive
Callis J. Nieves – Director: Employee Benefits
Troy Gosine – Director: Customer Service / Accounts Executive
Edward Villafana – Claims Supervisor / Customer Service
Vaughn Gosine – Information Systems
Annadale Charles – Underwriting / Motor Supervisor
Board of Directors
Neil Gosine, B.Sc., B.A. (Bus. Admin.) – Managing Director
Peter M. Kanhai – Director
Aphzal Juman – Director
Troy Gosine, A.C.II, M.S.T.I. – Director
Callis J. Nieves, FLMI, CLU – Director
Professional Indemnity Insurance
Coverage with a limit of TT $10,000,000.00
List of Some Insurances Handled by CIBL:
MOTOR
– Private Cars
– Commercial Vehicles
– Third Party Risk
– Comprehensive Cover
– Removal of Wreck
PROPERTY
– Fire and Perils
– Houseowners’ / Householders’
– Consequential Loss
– Material Damage All Risks
PERSONAL ACCIDENT & SICKNESS
– Health Insurance
– Personal Accident
LIABILITY
– Workmen’s Compensation
– Public Liability
– Employers Liability
GENERAL ACCIDENT
– Burglary
– Money in Transit
– Fidelity Guarantee
– Plate Glass
– All Risks
MARINE
– Cargo
– Hull
BONDING
– Bid
– Performance
– Bankers Blanket Bond
– Advance Payment
ENGINEERING
– Contractors All Risks
– Electronic Equipment
– Erection All Risks
– Boilers & Steam Apparatus
LIFE
– Group Life
– Credit Life
– Employee Benefits
OTHER
– War / Civil Commotions / Terrorism
– Business Interruption / Loss of Production Income
– Health Hazard / Pollution
– Losses to Onshore Construction Project Facilities
– Protection & Indemnity
– Aviation & Transport
– Pecuniary Loss
– Credit Card Fraud
List of Some of the Major Insurers Used by CIBL
Lloyds of London Markets (via International Associate Miller Insurance)
A-rated Security (via International Associate Miller Insurance)
American Life & General Insurance Company Limited (ALGICO)
Anchorage General Insurance Limited
Bankers Insurance Company of Trinidad & Tobago Limited
Guardian General Insurance Company Limited
Colonial Fire & General Insurance Company Limited (COLFIRE)
Maritime General Insurance Company Limited
New India Assurance Company of Trinidad & Tobago Limited
Reinsurance Company of Trinidad & Tobago Limited (TRINRE)
Trinidad & Tobago Insurance Limited (TATIL)
United Insurance Company Limited
Gulf Insurance Company Limited
Some of Our Major Clients
Intercommercial Bank Limited
Shell Chemicals & Services (EC) Limited / Shell Lubricants Caribbean Limited (Up to 2003)
Misons Industries Limited
Advance Foam / Furniture Plus / Serta Caribbean Limited
Export Credit Insurance Company
Trinidad & Tobago Forest Products (TANTEAK)
Tourism & Industrial Development Company (TIDCO)
Solid Waste Management Company (SWM)
National Housing Authority (Up to 2002)
Intercomm Holdings: Transcable, A.J. Cable & Cableview
CW Interiors
Dollar Rescue
Airports Authority of Trinidad and Tobago (2002)
Paper & Plastic Converters Limited
National Shoe Manufacturing Company Limited
All Trinidad Sugar & General Workers Trade Union
Inter-Isle Construction and Fabrication Company Limited
A & M Maintainence and Services Company (AMMSCO) Limited
Jayblast Sandblasting Company Limited
Mariners Haven Limited (One of the largest marine fleets in Trinidad & Tobago)

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