Financial Services Insurance

Lynch Insurance Brokers

Lynch Insurance Brokers has over 150 years of knowledge and current insights to help you manage your risks. Our acquired knowledge, a sincere interest in our client’s business and a proactive attitude inherent in our team allows us to isolate your risks, analyze the costs, convey the facts and present the essential risk and insurance options in order to help you make confident decisions and stay relevant to see your plans actualised.

Making the right decision for the future of your business takes

Tenacity + Integrity + Sound Advice

This is what we bring to the table.

“Today Lynch is the only trusted risk advisor in the Caribbean that can provide a cohesive risk management plan across the entire spectrum of business risk. We draw on our international network and talent pool to provide a dedicated team of colleagues from Marsh, Mercer, Guy Carpenter, Oliver Wyman with expertise in strategic, operational and hazard risks ensuring that the key risk issues impeding your success are identified and solved.”

Providing Risk Solutions for:
Government/Public Entity
Real Estate/Residential Developments
Financial Institutions
Communications, Technology & Media
Power & Energy
Transportation, Aviation & Marine
Professional Services
Personal Insurances and Small Business
Key Service areas:
General Insurance Broking
Insurance Programme Optimization
Risk Consulting
Marsh Risk Explorer ™
Strategic Risk
CAT Modelling
Claims Advocacy & Management
Forensic Claims and Accounting Services
Employee Benefits & Human Resources
Self Insurance Programme
Captive Management Services
Business Services Legal Services

Chancery Chambers

Partners: Sir Trevor Carmichael, QC, Mr Andrew C Ferreira and Mr Giles Carmichael

Number of Attorneys: 10

Languages: English & Spanish

Firm Overview:

Chancery Chambers is one of the more diversified law firms in the Caribbean. Based in Barbados, it provides a full complement of legal services to national and international clients. Its’ pillars of practice are international business law, real estate law and the law relating to charities domestically and internationally. The firm is regularly trusted with client referrals from its strong professional relationships and its international legal networks such as LAW, Terralex and Globalaw. The firm’s stature is enhanced by its substantial public and private sector experience at the national and international level, and its own very strong charitable focus.

The firm is developing beyond the established core competencies. In addition to the structured expansion programme for the existing practice areas, there is a dedicated corporate services division which is responsible for all aspects of corporate administration and management.

Although independently focused on their particular areas of expertise, the firm’s professionals work collectively in cross-disciplinary practice groups to access information and advice to the advantage of clients and the development of the firm’s expertise. The firm’s mission remains to provide personalised service with a high degree of professional competence so as to be of substantial value to clients in the resolution of complex matters.

Main Areas of Practice:

Civil Litigation, Arbitration & Mediation:

The firm provides counsel to clients on areas of Barbados law in complex commercial and investor-state arbitrations some of which have gone before ICSID, AAA and NYIAC. The firm’s founder is a panel member of ICSID designated by Barbados.  The firm has established a bespoke contentious business practice (civil litigation, arbitration and other alternative dispute resolution) in the name Chancery Advocates, a set of barristers’ chambers, constituted of independent counsel specialising in commercial and financial litigation, arbitration, public law and public international law.

Legislative Advice:

It has provided support for, and assisted in the drafting of legislation in jurisdictions in the Caribbean and Indian subcontinent. The firm has also been engaged as a Member of the Joint Ventures Model Contracts Committee of the International Trade Centre of the Conference on Trade and Development.

Development Consulting:

Advise governments, regional and international organisations as well as development banks; feasibility and pre-feasibility studies are all undertaken by Chancery Chambers.

Banking & Finance:

Chancery Chambers continues to be engaged by many international banks and companies to provide advice and transactional support in secured and syndicated loan transactions and guarantees, structured finance, project finance, leasing and tax-based finance transactions. The partners of the firm are also board members of large banking and finance institutions.

Insurance & Reinsurance:

The firm provides advice to captive insurance, reinsurance and general insurance companies on various formation and transactional matters. It gives guidance on the use of Barbados’ segregated cell legislation which has become attractive to many captive insurance companies.

Mergers & Acquisitions (Corporate Finance):

Chancery Chambers has over the past twenty five years been engaged in rendering advice on merger and acquisition activity locally, regionally and internationally. It is on record as having acted as Deal Counsel to two commercial banks in the Caribbean’s largest banking merger; and in that capacity, it provided open ended advice to both entities from an overall deal perspective.


Chancery Chambers regularly provides tax advice and opinions in international and domestic transactions and in the structuring of investments. It has also been a leader in developing tax advantaged structures working in conjunction with accounting firms and regulatory authorities.


Chancery Chambers provides advice to charities and to high net worth individuals and other clients on the formation of domestic charities, many of which have international connections.

Pensions & Employment:

Chancery Chambers is engaged in all matters relating to Barbados’s employment and pension law; and also advises on the use of international pension schemes within the context of the laws of Barbados.

Real Estate:

Chancery’s real estate practice is highly diversified ranging from mortgage and conveyancing work on behalf of young families to the more complex financial and tax structuring of real property acquisitions by high net worth individuals and companies. The firm also advises commercial client on various real estate matters including mortgages, commercial leases, sale and lease back transactions and real estate developments. It continues to act as part of the panel of lawyers of three local commercial banks.

Probate, Trust & Estates:

The firm’s trust practice is deep and extensive covering both international and domestic clients and involving traditional as well as creative estate planning within trust and other structures. One of the partners is the co-author on the leading academic and practitioner’s text on Caribbean Trust Law. The firm’s local probate practice is also longstanding.

Corporate Services: The firm with its’ affiliate, Chancery Corporate Services Limited, offers professional advice and guidance for International and local clients on the use of the appropriate entities such as International Business Companies, Societies with Restricted Liabilities, International Financial Services Companies and Exempt Insurance Companies. It also provides corporate advisory, corporate secretarial and administrative services to local, regional, international and multinational companies.

Contact: Jamar Arthur-Selman, Chief Executive Officer

Ancillary Services: Insurance Management and Securities Listing

Insurance management services are offered through the firm’s affiliation with Centurion Assurance Services Ltd., which is a registered insurance management company licensed to provide management services for captive and reinsurance companies. International securities listing services on the Barbados Stock Exchange are offered through Centurion ISM Services Inc., which is a licensed Listing Sponsor for the new International Securities Market platform of the Barbados Stock Exchange.

Contact: Kyle Rudder, Vice President, Centurion

Chancery Chambers Contacts:

Sir Trevor Carmichael, KA, LVO, QC – Chairman

Mr Andrew C Ferreira- Partner, Head Tax and Commercial

Mr Giles A M Carmichael – Partner,

Government Agency

Invest Barbados

Invest Barbados (IB) is an economic development agency of the Government of Barbados. IB is responsible for attracting, winning and sustaining international investment for Barbados. The corporation is also responsible for helping to develop and manage the Barbados international business brand.


To be recognised as a leading investment promotion agency by virtue of our success in winning and facilitating international business.


To secure and facilitate sustainable foreign direct investment and international business that result in increased jobs, technology and skills transfer, foreign exchange earnings and tax revenues for Barbados.


  • To promote Barbados as a desirable investment location, and land foreign direct investment
  • To monitor competitive domiciles, clients and markets for new trends and legislative changes, and develop new products
  • To work with other stakeholders to manage and develop the Barbados business brand

 Our Services

  • Promoting and landing foreign direct investment
  • Providing relevant, timely, current, quality information to investors
  • Ensuring that the Barbados environment is conducive to foreign direct investment
  • Developing new investment products
  • Collaborating with stakeholders to manage the Barbados business brand

Board Members

Mr. Anthony T. Bryan,

Deputy Chair
Mr. Rodwell London

Mr. Randy Graham

Mr. Stephen Greaves

Dr. Everton Walters, CBE, JP

Ms. Debra Gooding

Ms. Emeline Taitt

Permanent Secretary, Prime Minister’s Office – currently Mrs. Ruth Blackman, BSS

Permanent Secretary, Ministry of Industry, International Business, Commerce and Small Business Development – currently Mr. Mark Cummins (Ag.)

Representative (Barbados International Business Association) – currently Mr. Marlon Waldron, CPA, CGA, CA, MBA

Senior Management

Ms. Sandra Payne
Chief Executive Officer (Ag.)

Mr. Kenneth Campbell
Director – Investment Promotion

Mr. Ezra Catwell
Director – Investment Facilitation

Ms. Jannette Babb
Director – Research & Development (Ag.)

Mr. Jean-Paul Cumberbatch

Manager – Research & Development

Mr. Ronald Lewis
Manager – Information Communication Technology

Ms. Deborah Gill
Manager – Finance

Mrs. Michelle Inniss
Manager – Human Resources

Real Estate

Altman Real Estate

For over 40 years Altman Real Estate has represented the widest selection of real estate for sale or rent in Barbados and the Caribbean. Our aim is to cover every segment of the business, from individual homes to large luxury developments, from beachfront villas to Plantation Great Houses in country settings. The company’s core lines of business include: Real Estate Sales, Luxury Villa Holiday Rentals, Commercial Property Management, Residential Property Management, Long-term Property Rentals, Property Valuations and Property Consulting. Contact Us Toll Free: N. America 1-866-360-5292; Free phone from UK 0808-120-2364; Free phone from Ireland 1-800-550-167.

Meet the Faces of the Altman Sales Team

Paul Altman Sir Paul Altman

Managing Director, Altman Real Estate


T: 537-0840

Terry Hanton Terry Hanton

Managing Director, Property Consultancy Services Inc.; Director of Sales, Altman Real Estate


T: 537-0850

Melanie King Melanie King

Director, Altman Real Estate; Real Estate Agent


T: 537-0840

Pooka Yap Pooka Yhap

Real Estate Agent


T: 537-0840

Michelle Maynard Michelle Maynard

Real Estate Agent


T: 537-0840



Real Estate

Apes Hill Club

Apes Hill Club is a world-class Golf and Polo Community located 1000 feet above sea level with panoramic views of the Atlantic Ocean and Caribbean Sea. This luxury lifestyle resort, boasting the arrival of the first Country Club in Barbados in 2016, offers a high quality experience, from golf and polo, to tennis and swimming within a safe and secure environment. Apes Hill offers elegance, exclusivity, and sporting excellence. The community’s richly diverse landscape of tropical parks, lush forest and coral stone quarries has been carefully developed to create the masterpiece it is today. Throughout the community, the touchstone is quality – a standard to be expected from landowner and polo legend Sir Charles Williams with Wentworth Golf Club of Surrey, renowned both as a venue for PGA and World Match play tournaments and as a benchmark for excellent hospitality. At the heart of Apes Hill Club is its par-72 championship course which opened in December 2009. The course offers challenging and spectacular golf was recently rated one of the best in the world. The most advanced golfers will enjoy 7,150 yards from the Professional Tees, while the Front Tees, set at just over 5,000 yards, take full advantage of the fairways’ contours. The holes themselves are as varied and unique as the site with undulating putting surfaces and sharply edged bunkers. Each hole is unique, from the 12th hole with views of the east coast to the par-three 16th, whose setting within a coral-stone quarry has earned it the status of a signature hole. Apes Hill Club and has gained certification to the prestigious Audubon Society being one of only 913 courses in the world to hold the honour. Golf courses from the United States, Africa, Australia, Central America, Europe, South America, and Southeast Asia have also achieved certification in the program. The golf course was designated as a Certified Audubon Cooperative Sanctuary in 2010.

“Apes Hill Club has shown a strong commitment to its environmental program. They are to be commended for their efforts to provide a sanctuary for wildlife on the golf course property,” said Tara Pepperman, Director of Cooperative Sanctuary Programs at Audubon International.

A family owned and operated development, Apes Hill Club prides itself on delivering an intimate and understated experience. The developer offers a range of luxury homes, from large estate homes and courtyard villas to bespoke land and villa packages, providing owners the opportunity to develop the Caribbean home of their dreams and all with the quality purchasers have come to expect at Apes Hill Club. A singular and unforgettable setting, a world-class championship golf course, outstanding polo facilities, a Country Club social hub, superb and luxurious residences all hallmarked by exclusivity.

Financial Services

Carilend Ltd.

About Carilend

Carilend is the first Peer to Peer lending site in the Caribbean aiming to bring together Borrowers and Lenders to give a better deal and a better experience to both.

We match Borrowers who need a loan with investors who want to be Lenders. By cutting out the middleman, we cut out the costs and pass on these savings in the form of better rates to both Borrowers and Lenders.

Our model is based on the UK Peer to Peer lending industry that has been operating successfully since 2005. This model brings the best technology, the best operating standards and the best customer experience from the UK to the Caribbean.

We are launching first in Barbados, but we plan to bring this approach to the wider Caribbean as soon as possible.

What is P2P?

Peer to Peer lending connects people who want to invest money (Lenders) directly with people who want a loan (Borrowers). By using technology to reduce costs, we are able to pass on the savings to give better returns for Lenders and better rates for Borrowers.

Carilend’s role is to act as the platform to bring the parties together. We apply a very stringent level of screening on all prospective Borrowers to ensure only those who pass our strict criteria, are good with their money and can afford it are approved for loans.

Our platform then matches those approved Borrowers with Lenders who have selected how long they want to lend for and at what interest rates. Lenders’ money is split into small slices and spread over many Borrowers and many loans, which diversifies the risk for Lenders. Each small slice is paired with other small slices in order to fully fund each individual loan.

After that, our platform takes care of collecting every loan repayment and splitting it up between all the Lenders who have contributed funds to each loan. The platform also provides a full statement of what’s going on to every Lender and Borrower.

All About Borrowing

At Carilend, we have made the process of borrowing money in the Caribbean simple, quick and flexible. We simplified the process into a few easy steps online. Simply submit all your information and supporting documents in a secure manner, online, in just a few minutes.

If you submit everything we need and it all checks out, you will have your answer in a few hours and your money in your account in a few days.

Our terms are fair and flexible for all. We will tell you clearly and simply what it costs, what the terms are and how much your monthly payments will be. It’s flexible too! If you want to pay back early, you can repay the loan in full at any time with a few simple clicks.

Need More Information?

Our website contains a ton of valuable information about investing and borrowing. Please see some helpful links below.

Feel free to contact us via email ( or telephone (246) 537-4040 if you have any further questions.


Caribbean Alliance Insurance Company Ltd.

The History of Caribbean Alliance Insurance Company Ltd.

Caribbean Alliance Insurance Company Ltd. is the largest general insurance company in Antigua and the only regional insurance company covering the Eastern and Northwestern Caribbean with its Head Office based in St. John’s, Antigua.

The company was formed in 1988 as a regional subsidiary company of the Sun Alliance Insurance Group, UK with the Head Office in Antigua representing Insurance agencies in St. Kitts, Montserrat, St Lucia, Barbados, St. Vincent and Grenada.

We now have representatives in 15 territories across the Leeward’s, Windward‘s and North western Caribbean.

Caribbean Alliance specializes in property and casualty business including marine insurance.

Our extensive Reinsurance programme is second to none in the Caribbean, placed with major Reinsurance Companies with minimum ratings of A by the international rating agencies.

This makes us one of the strongest financial institutions in the Caribbean.

Whilst our experience and financial strength enables us to respond efficiently to the most severe of natural disasters, we recognize that even the smallest of non-catastrophe claims matters a great deal to our policyholders.

In 2014 our rating was upgraded to A (Excellent) Stable by A.M. Best which is the highest rating given to any Insurance Company in the Caribbean.

A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

It is based on a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance and business profile.

Caribbean Alliance Insurance Company whilst rated by A.M. Best is also regulated in each of the individual territories by the local regulators who consult on a regional basis.

Caribbbean Alliance Insurance Co. Ltd. is Rated A (Excellent) at A. M. Best Company

Business Services Legal Services

InterCaribbean Legal

Our Firm – Our Firm specializes in Property Sale and Development, Mortgages (Domestic and Off-shore), Banking and Finance, Trust and Estate Planning, Probate and Administration, Intellectual Property, Mutual Funds, Insurance Law and Pension Plans, Maritime Law, Mergers & Acquisitions, Compliance and Regulation and Immigration Law.

Financial Services


Bitt is a Financial Technology company that utilises distributed ledger technology to improve speed, efficiency and significantly reduce the costs of the payment system. The Bitt Wallet is the sole consumer access point to the entire Bitt ecosystem. It allows users to send and receive money globally, and process transactions from the convenience of their mobile device or computer. Users can simply enter the receiving party’s Bitt address (or have them scan a randomly generated QR code in person) to send money. This peer-to-peer money transfer system doesn’t rely on complicated correspondence communication chains or any centralized authority figure. All of the transactions are approved and held accountable by the Blockchain.

The Bitt mandate for Caribbean-wide financial inclusion extends to those who are not smartphone primed. The Bitt Teller is a physical kiosk that can be a cash-in and cash-out point for those within the ecosystem, while also being a transfer facilitator for those without mobile devices.

Bitt’s Merchant Solution is a Payment Processing software that allows merchants to accept Bitcoin and digital currency for their goods and services in-store or online. Any merchant, of any size, is able to create a free merchant account with Bitt and gain the ability to instantly and digitally receive local and foreign payments. Bitt allows merchants to create specific brand-tokens which populate a user’s Bitt wallet. A merchant can then offer these brand-tokens through tailored promotions and allow them to be redeemed for in-store or online benefits – it’s an entirely new kind of marketing tool.

The Bitt Exchange allows users to convert an assetbetween currencies. Carrying multiple International and Caribbean currencies paired to bitcoin, an easy trading interface makes it simple for users to swap currencies. The Bitt engine is one of the most powerful and robust digital exchanges in the world with substantial liquidity pools and market depth, as well as micro-fees for the purchase and sale of bitcoin and other cryptocurrencies.


Construction Consulting

Property Consultancy Services Inc (PCS)

Property Consultancy Services Inc. (PCS) ( a subsidiary of Altman Real Estate) is a real estate and financial services consultancy firm based in Barbados serving the Caribbean region. PCS is run by Managing Director – Terry Hanton, a Chartered Accountant and Valuation Surveyor. The PCS team includes Accountants, Quantity Surveyors and Project Managers, Valuers, and Real Estate Consultants.

Our core lines of business include:

  • Property Valuations
  • Business Valuations
  • Project Management and Advisory Services
  • Feasibility Studies and Business Planning
  • Property Investment Advice
  • Hospitality Industry Consultancy Services
  • Accounting and Financial Services

PCS has project managed such projects as Sugar Hill and Limegrove in Barbados, and Villas on the Green in St. Lucia and is the only entity in the southern Caribbean providing a full suite of project funding services and debt/equity negotiation and valuation. The project management service has included full funding procurement and project financial management. Project services include constant equity valuation through project lifecycle utilising the four approaches to business valuation.


Terry Hanton
Managing Director, Property Consultancy Services Inc.
T: 537-0850

Non-Governmental Organizations & Associations

Caribbean Export Development Agency

Caribbean Export is a regional export development and trade and investment promotion organisation of the Forum of Caribbean States (CARIFORUM) currently executing the Regional Private Sector Programme (RPSDP) funded by the European Union under the 11th European Development Fund (EDF).   Caribbean Export’s mission is to increase the competitiveness of Caribbean countries by providing quality export development and trade and investment promotion services through effective programme execution and strategic alliances.

Financial Services Investment Services

Barbados Stock Exchange Inc.

Barbados Stock Exchange Inc. (BSE), formerly the Securities Exchange of Barbados, was re-incorporated on August 2, 2001 in accordance with the Securities Act 2001-13, which also enabled the establishment of the Barbados Securities Commission which on April 1st, 2011 was subsumed by the Financial Services Commission (FSC). The FSC is responsible for regulation of the Insurance sub-sector, Co-operative and Non-Banking Financial sectors and the entire Barbados Capital Market, including Self-Regulatory Organization and public companies whether listed or not.

The original trading facility, the Securities Exchange of Barbados, was established in 1987 under the Securities Exchange Act, Cap 318A, of 1982. The Securities Act 2001-13 repealed and replaced the original Act of 1982. However, the BSE remained a privately owned (by its Members), non-profit organization until December 22, 2015 when it became a shareholder-owned, for-profit organization after receiving the requisite approvals from its then Members, now new Shareholders, and by Order of the Supreme Court of Barbados approving the Scheme of Arrangement in accordance with section 224 (4) of the Companies Act thereby facilitating the demutualization of the BSE.

The strategic direction of the BSE is coordinated by a Board of Directors, through the Managing Director, which establishes By-Laws and Rules to regulate the role of the Exchange, licensed under the Securities Act, CAP 318A.

The Barbados Stock Exchange and its wholly owned subsidiary, the Barbados Central Securities Depository (BCSDI) are designated as Self-Regulatory Organizations (SROs) under the Securities Act and are regulated by the Financial Services Commission.

The Barbados Stock Exchange Inc. is a member of the World Federation of Exchanges with Correspondent Status.


To be a vibrant and lasting Caribbean Institution by facilitating wealth creation through trading on an efficient and cost-effective Exchange.


We intend, through education, to foster an environment of confidence and trust in the activities of the capital markets, so that all Barbadians would participate in the trading of financial instruments.
Core Values

  • Integrity
  • Fairness
  • Quality service
  • Confidence
  • Trust
  • Accuracy

Barbados Central Securities Depository Inc

The Barbados Central Securities Depository Inc. (BCSDI) is a limited liability company incorporated on October 20th, 1998. It is a facility for holding securities and enables share transactions to be processed by book entry. A Book Entry System facilitates the change of ownership of Securities electronically, without the need for the movement of physical documents, i.e. the BCSDI is an electronic means of recording the ownership of shares.

The BCSDI facilitates the immobilization of securities, the clearance of trades and settlement of funds through the Central Bank of Barbados and also offers services as Registrar of public and listed companies and mutual funds.

The BCSDI registers the stock in the name of the beneficial owner. The certificates are physically held in our vault. The BCSDI also records the securities movements in the name of the beneficial owner using the National Identification Number. The BCSDI’s book entry system has shortened the settlement cycle, and ensures that investors receive payment for shares sold and ownership of shares purchased within a shorter time.

The BCSDI is a partner of the Association of National Numbering Agencies and is responsible for assigning all International Securities Identification Numbers or ISINs to all locally registered securities.

Services Provided

The BCSDI provides a varying number of services which can be divided into two broad categories:

  1. Depository Services
  2. Registrar Services

Depository Services

The BCSDI currently offers the following Depository services:

  • Clearing and Settlement of Traded Securities
  • Statement Printing
  • Pledging of Securities
  • Inter-CSD Transfers
  • Trading and Registrar Services for Treasury Bills
  • Certificate Deposits – Immobilization & Dematerialization
  • Safekeeping

Registrar Services

The BCSDI currently offers the following Registrar Services:

  • Share Register Management and Maintenance– This is essentially the core service/function of the BCSDI. Issuers of listed securities have the option of maintaining their Share Registers themselves or employing the services of the BCSDI. The Registrar services provided by the BCSDI include, but are not limited to:
    • Name, Address and Warrant Address Changes
    • Estate Transfers – Letters Testamentary/Letters of Administration
    • Consolidation of Depository Client Accounts
    • Payment and Distribution of Dividends
    • Dividend Account Reconciliations
    • Distribution of Annual Reports
    • Provide Register Extracts
    • Receiving New Registers