We reinsured last year with Netherlands Insurance, based in Grenada with offices in Holland. NO underwriters. They are the carriers, insurers and underwriters.
They have insured large international commercial vessels for many years and have only recently offered policies to recreational vessels. They have no history with hurricane losses.We visited their offices on Well St. in Grenada and we were impressed with the professionalism of the company. The rates are a bit higher but the coverage is excellent with 2 million liability, 10% of insured value for personal effects and no exclusion for lightning strikes. The deductible is fixed at 2% and 4% (yes that's 4%) for named storms. Navigational limits are worldwide!
It's well worth looking into.
Cloudstreet SM2K 331.