Bell Insurance Services

What Bell Insurance Services does

Bell Insurance Services Limited is a licensed insurance broking company headquartered in Port of Spain, Trinidad and Tobago, with a second branch in Arima. Founded in 2015 by Matthew Moses — formerly of Willis Towers Watson's London reinsurance practice — the firm acts as an intermediary between insurance providers and clients, earning commissions on brokered policies across 13+ classes including Motor, Marine, Homeowners, Commercial Property, Liability, Engineering, Bonds, Financial & Executive Lines, Health & Personal Accident, Terrorism, and General Accident. Its customer base spans Medium-to-Large private enterprises and personal clients in Trinidad and Tobago, supported by advisory relationships with Willis Towers Watson, AON Inc., and Guy Carpenter that provide connectivity to Lloyd's of London and the European reinsurance marketplace.

In 2018, Bell launched Shyft.tt, the Caribbean's first insuretech aggregator and client portal, focused on personal lines (Motor and Homeowners). Shyft.tt aggregates 10+ insurance partners and functions as a digital self-serve channel alongside the firm's traditional broker-led service. The company uses predictive analytics and data modeling for risk pricing and fraud detection, drawing on customer behavior, demographics, and historical claims data. Bell is regulated by the Central Bank of Trinidad and Tobago under registration number BRC-5870610211126, and is an appointed representative of Bell Insurance Limited. The firm is privately held by founder Matthew Moses with no external institutional funding disclosed, and serves 10,000+ customers within Trinidad and Tobago.

Name

Bell Insurance Services

Legal name

Bell Insurance Services Limited

Website

https://bellistt.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Bell Insurance Services Limited is a licensed insurance brokerage in Trinidad and Tobago, founded in 2015 by Matthew Moses, offering brokered policies across 13+ insurance classes to medium-to-large private and personal clients. It operates Shyft.tt, the Caribbean's first insuretech aggregator with 10+ partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAB

Commercial Lines Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Insurance brokerage services
• Commercial insurance products
• Personal lines insurance
• Risk management consultancy
• Insurtech aggregator platform

Headquarters

HQ city

Port-of-spain

HQ country

Trinidad & Tobago

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Brokerage Commissions: Bell Insurance Services Limited is a licensed Insurance Broking Company that offers, negotiates and sells insurance policies on behalf of insurance companies and acts as an intermediary between the Insurance Provider and clients. Revenue is generated through commissions from insurance providers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Bell Insurance Services Limited is a licensed insurance broking company in Trinidad and Tobago that acts as an intermediary between insurance providers and clients, offering custom written insurance programmes across multiple classes including Motor, Marine, Homeowners, Commercial Property, Liability, Engineering, Bonds, Financial & Executive Lines, Health & Personal Accident, Terrorism, and General Accident. It operates Shyft.tt, the Caribbean's first insurtech aggregator and client portal, which integrates 10+ insurance partners to allow consumers to compare and purchase personal lines insurance online.

Product overview

Bell Insurance Services is a licensed insurance broking company that acts as an intermediary between insurance providers and clients in Trinidad and Tobago. The company operates a portfolio of core insurance product lines covering Motor, Marine, Homeowners, Commercial Property, Liability, Engineering, Bonds, Financial & Executive Lines, Health & Personal Accident, Terrorism, and Miscellaneous/General Accident. It also operates Shyft.tt as a digital sub-brand and client portal — the Caribbean's first insurtech aggregator — enabling consumers to compare and purchase personal lines (car and home) insurance through an online platform with over 10 insurance partner integrations.

Differentiator

Problem solved

Functional benefit

Brands

• Shyft.tt: Caribbean's first insuretech aggregator and client portal focusing on personal lines of insurance, including car and home insurance. Over 10 insurance partners.

Products and services

• Motor Insurance

Named customers1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• Shyft.ttcoreTechnology or Integration · 1 January 2018Caribbean's first insuretech aggregator and client portal, launched by Bell in 2018. Shyft is the Caribbean's largest aggregator with over 10 insurance partners. Provides digital platform for comparing and purchasing personal lines insurance.
• Willis Towers WatsoncoreStrategic or Co-development Partner · 1 January 2015International advisory network partner with connectivity to Lloyd's of London and European reinsurance marketplace. Matthew Moses spent 10 years working at Willis Towers Watson in London handling Latin American and Caribbean Facultative Reinsurance and Wholesale Property, Energy, Terrorism & Liability insurance classes.
• AON Inc.coreStrategic or Co-development Partner · 1 January 2015Part of Bell's international advisory network providing connectivity to global insurance markets and expertise.
• Guy CarpentercoreStrategic or Co-development Partner · 1 January 2015Part of Bell's international advisory network providing reinsurance and risk management expertise.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Coverdash: Digital insurance platform enabling small business and consumer insurance comparison and purchase; relevant peer for Shyft.tt's aggregator and embedded insurance model.
• Lemonade: Digital-first insurance carrier using AI-driven underwriting and consumer-direct distribution; comparable to Bell's Shyft.tt in demonstrating the insurtech aggregator/platform model transforming consumer insurance.
• Hiscox: Specialty insurer and digital broker with strong cyber, D&O, and professional lines expertise; comparable to Bell's specialty insurance positioning and small-business distribution.

Broad incumbents

• Arthur J. Gallagher & Co. Large international insurance broker with growing Caribbean footprint; competes for specialty and commercial lines brokerage business against Bell's mid-market and enterprise clients.
• Willis Towers Watson (Caribbean): Global insurance and reinsurance broker with Caribbean operations; Bell's primary partner for Lloyd's access and a direct competitor for large commercial risk placements.
• Marsh Ltd (Caribbean): Global insurance broker with significant Caribbean operations and deep specialty reinsurance capability; competes with Bell for large commercial accounts while also operating as a potential partner.
• Aon (Caribbean): Global insurance broker with established Caribbean presence; Bell's explicit strategic partner and concurrent competitor for the same enterprise risk advisory and reinsurance placement mandates.

Regional players

• Guardian Group: Trinidad-headquartered Caribbean insurance and financial services group offering life, health, and general insurance across the region; competing carrier and occasional distribution counterpart for Bell placements.
• Sagicor Group: Caribbean-wide insurance and financial services company with strong presence across multiple territories; regional competitor for commercial and personal lines risk placement.

Direct peers

• CL Feurtado & Co: Trinidad and Tobago-based insurance brokerage offering commercial and personal lines, directly competitive with Bell in the same local market and serving similar medium-to-large private clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bellistt
• LinkedInlinkedin.com/company/bell-insurance-services-limited
• Instagraminstagram.com/bell.insuranceservices?igshid=YzAwZjE1ZTI0Zg==

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bell Insurance Services