Massy United Dutch Caribbean

What Massy United Dutch Caribbean does

Massy United Dutch Caribbean, operating under the trade name CG United Insurance Ltd., is a Curaçao-domiciled general insurance provider serving the four Dutch Caribbean territories — Curaçao, Aruba, Bonaire, and St. Maarten. The company is a member of Bermuda-based Coralisle Group Ltd, a regional insurance conglomerate that operates in 21 Caribbean countries and reports annual revenues exceeding US$875 million; Coralisle itself is a subsidiary of Edmund Gibbons Limited in Bermuda. CG United describes itself as the largest general insurer in the Caribbean, holding an "A Excellent" financial strength rating from AM Best Co., USA.

The company's product portfolio spans consumer lines (Travel, Auto, Home, Health, Boat) with premium "Pro" and "Pro Elite" tiers that bundle adjacent coverages such as Pet Health Insurance and Travel Cancellation, and commercial lines including Business Property, Business Liability, Construction All Risks, Contractors Equipment, Tour Liability, and Cargo. Specialized products include Medipass (medical pass) and Just for Her (women-targeted). Distribution operates through a dual online/offline model: physical offices in Curaçao (regional HQ at Schottegatweg O. 40) and Aruba (Vondellaan 7-2), digital channels via cgunited.insure, the Mobile Insurance Pass, and the Sentoo online payment platform, with multilingual (English and Spanish) quote and claim forms.

Revenue is generated primarily through recurring insurance premiums collected across personal and commercial product lines, with pricing delivered on a quote-basis through website forms and in-person at offices. The company targets two customer segments — individual consumers seeking personal coverage against travel, automotive, residential, health, and marine risks, and commercial customers requiring property, liability, construction, and cargo protection. Customer acquisition is sales-led via direct channels (offices, online forms) supported by organic social presence on Facebook, Instagram, and LinkedIn.

Name

Massy United Dutch Caribbean

Legal name

CG United Insurance Ltd.

Website

https://massyunited.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

CG United Insurance Ltd. is a Curaçao-based general insurer serving individuals and commercial customers across the Dutch Caribbean (Curaçao, Aruba, Bonaire, St. Maarten) with personal and commercial coverage including Travel, Auto, Home, Health, Boat, and business lines, distributed through offices and digital channels under the A Excellent AM Best-rated Coralisle Group.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• General insurance
• Travel insurance
• Auto insurance
• Home insurance
• Commercial insurance

Headquarters

HQ city

Willemstad

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: CG United generates revenue through collecting insurance premiums across multiple product lines including Travel, Auto, Home, Health, Boat, and commercial insurance products.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Massy United Dutch Caribbean (operating as CG United Insurance Ltd.) provides general insurance products to individual consumers and commercial customers across the Dutch Caribbean territories of Curaçao, Aruba, Bonaire, and St. Maarten. The product portfolio covers personal lines (Travel, Auto, Home, Health, Boat) and commercial lines (Business Property, Business Liability, Construction All Risks, Contractors Equipment, Tour Liability, Cargo). Distribution is delivered through physical offices, a website with online quote and claim forms, a mobile insurance pass, and the Sentoo online payment system.

Product overview

CG United is a general insurance provider offering a comprehensive portfolio of insurance products across multiple categories. The company provides both consumer-facing products (Travel, Auto, Home, Health, Boat) and commercial/business products (Business Property, Business Liability, Construction All Risks, Contractors Equipment, Tour Liability, Cargo). Premium product tiers are offered under 'Pro' branding (Travel Pro, Auto Pro, Health Pro, Yacht Pro) and an elite tier (Home Pro Elite), alongside specialized offerings like Medipass and Just for Her. Digital services include Mobile Insurance Pass for mobile access and Sentoo for online payments. The company operates in the Dutch Caribbean (Curaçao, Aruba, Bonaire, St. Maarten) and is the largest general insurer in the Caribbean offering all major classes of insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Travel Insurance Travel insurance providing protection against unexpected losses and medical emergencies abroad, with 24/7 Travel Assistance and access to a global medical provider network for individual consumers and families in the Dutch Caribbean.
• Auto Insurance Auto insurance providing the right coverage and quick assistance in case of accidents for drivers in the Dutch Caribbean.
• Home Insurance Home insurance covering common losses such as fire and storms for homeowners in the Dutch Caribbean.
• Health Insurance Affordable health insurance plan designed for individuals who exercise and live a healthy lifestyle in the Dutch Caribbean.
• Boat Insurance Boat and yacht insurance allowing vessel owners in the Dutch Caribbean to relax and enjoy their boats, with quick recovery assistance after accidents.
• Business Property Insurance Insurance coverage for business property assets, protecting commercial premises against physical loss or damage for businesses in the Dutch Caribbean.
• Business Liability Insurance Insurance coverage for business liability risks, protecting commercial customers in the Dutch Caribbean against third-party liability exposures.
• Construction All Risks Insurance Construction insurance covering all risks associated with construction projects for contractors and developers in the Dutch Caribbean.
• Contractors Equipment Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Coralisle Group LtdcoreStrategic or Co-development PartnerCG United Insurance Ltd. is a member of Coralisle Group Ltd. Coralisle Group is a Bermuda-based regional insurance provider with operations in 21 countries throughout the Caribbean and annual revenues in excess of US$875 million. CG is comprised of independently incorporated companies offering property and casualty insurance, employee benefits for pensions and health, personal life insurance and investment products. Coralisle Group Ltd. is a subsidiary of Edmund Gibbons Limited in Bermuda.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mapfre: Spain-based global insurance group with significant Caribbean and Latin America operations across P&C and life. Comparable as a broad incumbent in the regional insurance market with multinational capital backing and multi-line offerings.
• American International Group (AIG): Global insurance and financial services group with established Caribbean and Latin America operations across P&C and specialty lines. Comparable as a broad incumbent offering overlap with CG United's commercial and specialty products at larger scale.
• Royal & Sun Alliance (Intact Financial): Global general insurer with historical Caribbean presence offering P&C products through regional partners. Comparable as a broad incumbent with multi-line general insurance capabilities and global reinsurance backing.

Direct peers

• Beacon Insurance Company Limited: Caribbean insurance carrier based in Trinidad offering motor, property, marine, and commercial coverage across multiple Caribbean territories. Directly comparable as a regional P&C insurer with overlapping product mix and multi-country footprint.
• Sagicor Group: Caribbean-headquartered financial services group with life insurance, pensions, and general insurance operations across multiple Caribbean territories. Comparable in product breadth, multi-country footprint, and historical regional incumbency in insurance.
• Guardian Group Holdings: Trinidad-headquartered financial services group offering general insurance, life insurance, and pensions across the Caribbean. Directly comparable as a multi-territory Caribbean general insurer with overlapping product lines (motor, property, marine, commercial) and similar mass-market distribution.
• Guardian Life of the Caribbean: Barbados-headquartered life and health insurance carrier with regional operations across the Caribbean. Comparable in product mix (life, health, group benefits) and Caribbean multi-territory distribution footprint.

Regional players

• British Caribbean Insurance Company: Caribbean insurance carrier operating in Jamaica and other territories with motor, property, and commercial lines. Comparable as a long-standing regional P&C insurer serving overlapping customer segments in the Caribbean.
• Pan-American Life Insurance Group: U.S.-based mutual insurer with deep Caribbean and Latin America presence offering life, health, and group benefits. Comparable as a long-established carrier operating in Caribbean jurisdictions with similar distribution and regulatory positioning to CG United.
• Island Heritage Insurance: Bermuda-based insurer specializing in Caribbean property and casualty coverage. Comparable as a regional carrier focused on property and catastrophe-exposed risks in territories adjacent to the Dutch Caribbean.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cgunitedinsure
• LinkedInlinkedin.com/company/cguniteddc
• Instagraminstagram.com/cguniteddc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Massy United Dutch Caribbean