our history

Who Are We?

Incorporated on December 13, 1977, Risk Management Services Limited (“RMS”) is a leading provider of insurance brokerage for all classes of insurance (general insurance, life and health insurance) for businesses, government entities, organizations, and individuals. We also provide risk management advisory services.

We serve clients of all sizes, helping them to define and design an effective insurance portfolio to manage their risk. To every client, we bring four decades of industry specific expertise, superior customer service and objective advice because we are committed to the wellbeing of our clients and not a particular insurance company.

We adopt a needs-based approach, that drives us to firstly appreciate the nature of the risks faced by our clients, to ensure we provide an effective solution for their specific needs.

As part of the Gallagher Group, we are the largest regional broker in the Caribbean and the fourth largest broker in the world. This allows our clients to benefit from world-class risk management solutions delivered by a qualified team locally.

We have offices located in Trinidad, Antigua, Barbados, Dominica, Jamaica, Grenada, St. Vincent, St. Lucia, St. Kitts and Nevis.


Guardian Holdings Limited purchased Caribbean Home Insurance Company and Risk Management Services Limited as part of its strategic expansion into Property and Casualty segment.


We became a fully owned subsidiary of Guardian Holdings Limited. Risk Management Services Limited was mandated to provide intellectual capital to the Guardian Group in the areas of general insurance and risk management in light of the group’s aggressive acquisition strategies.


Guardian Holdings Limited, agreed by mutual accord to sell their shareholding to the management of Risk Management Services Limited thereby establishing our independent status.


Risk Management Services Limited merged with the Gallagher Caribbean Group Limited (with effect from January 8, 2020) through the acquisition of sixty percent of the Company’s shares.

Gallagher Caribbean Group Limited is a subsidiary of Arthur J Gallagher (“Gallagher”), the world's fourth largest insurance broker. Gallagher is a global insurance brokerage, risk management and consulting services firm with operations in forty-nine (49) countries, offering its services in more than one hundred and fifty (150) countries around the world through its network.

This strategic initiative was undertaken with our clients in mind to match their regional pursuits with world-class risk management solutions and convenient access to insurance coverage.