WE DO OUR PIECE, FOR YOUR PEACE!
We deliver personalized, attentive service rooted in deep knowledge and understanding of our community and our clients.
"At Titan Insurance, we believe that caring for our community means providing peace of mind and security to the small businesses that form the backbone of the Virgin Islands. We are passionate about ensuring that local entrepreneurs, families, and workers have access to reliable health coverage โ because when our community is healthy and protected, everyone thrives."
Everything your business
and your people need
From group health to individual life insurance, we offer the right combination of plans through UnitedHealthcare and Cigna โ tailored to your headcount and budget. Click any option to learn more.
Group Health Benefits
Comprehensive medical, dental, and vision coverage tailored for small and large groups.
Group Voluntary Benefits
Affordable employee-paid coverage through payroll deductions โ no added cost to employers.
Individual Life Insurance
Flexible term, whole life, and permanent coverage for individuals and families.
Retirement Planning
Build long-term financial security for yourself and your employees.
Key Person Insurance
Protect your business against the loss of a critical partner or employee.
AI-Powered Enrollment
Meet Claire โ our AI assistant who guides your employees through benefits 24/7.
A Healthier Workforce Starts With a Healthier Community
Total Wellness by Titan is our community wellness arm โ built specifically for life here in the Virgin Islands. We offer personalized programs for individuals and comprehensive corporate wellness solutions for businesses that want to invest in the health and performance of their teams.
"When the people of the Virgin Islands are healthier, our whole community is stronger โ businesses run better, families are more stable, and the VI becomes a place where everyone can truly thrive."
โ Julian, Titan Insurance- Reduce absenteeism and unplanned sick days
- Lower healthcare costs over time
- Build team culture through group challenges
- Attract and retain quality employees
- Programs designed around your team's schedule
Key Person Life Insurance โ The Coverage Most VI Businesses Don't Have Until It's Too Late
If your business depends on one or two critical people โ a founding partner, a top salesperson, a key executive โ and something unexpected happens to them, the financial impact can be devastating. Most small businesses in the Virgin Islands are built on close relationships and key individuals. Losing one without protection can put everything at risk.
Key Person Life Insurance pays your business directly โ giving you the capital to stay operational, cover lost revenue, recruit a replacement, and recover without going under.
"As a local VI broker, this is the conversation I have most often with business owners โ and the one that gets put off longest. The right time to have this coverage in place is before you need it."
โ Julian, Titan Insurance
- Lost revenue during the transition period
- Recruiting and training a qualified replacement
- Servicing business debts and financial obligations
- Reassuring clients, partners, and investors
- Keeping the business stable and operational
- Buying out a deceased partner's share if needed
๐ก Here in the Virgin Islands, where many businesses are built on tight partnerships and personal relationships, Key Person Insurance is one of the most important โ and most overlooked โ protections available to business owners.
Meet Claire โ Your Employees' Benefits Guide, Available 24/7
Claire is Titan Insurance's AI-powered assistant. She guides your employees through benefits enrollment in plain language, answers questions around the clock, and makes open enrollment less stressful for everyone โ including your HR team. She also answers your initial inquiries so you always get a fast, knowledgeable response.
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Available 24/7 Employees get answers when they need them โ evenings, weekends, whenever open enrollment runs.
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Multilingual support Claire communicates in any language โ important for the diverse workforce of the Virgin Islands.
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Real-time enrollment tracking HR sees exactly who has enrolled and who hasn't. Automated reminders go out so no one gets left behind.
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Voice and text capable Claire works on the phone and in text and email โ so employees can reach her however is easiest for them.
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Personalized guidance Claire listens to each employee's situation and helps them choose the coverage that fits their life and budget.
How Titan Insurance works with you
From first conversation to ongoing enrollment โ here's exactly what to expect when you partner with Titan Insurance as your local VI benefits broker.
- Local VI broker โ we live and work in this community
- Genuinely invested in building a healthier VI workforce
- Online enrollment that eliminates annual meeting logistics
- Multilingual tools for the diverse VI workforce
- Claire โ AI enrollment assistant available 24/7
- Year-round support โ not just at renewal time
- Carrier partners: UnitedHealthcare and Cigna
- A tailored benefits package built for their specific team
- Reduced HR burden โ Claire handles employee questions
- Healthier, more engaged employees who stay longer
- Lower absenteeism and healthcare costs over time
- A competitive edge in attracting VI talent
- Peace of mind that their team is protected
- A local partner who answers the phone
Ready to build a healthier, more protected team?
No pressure, no complicated pitch โ just a real conversation with a local VI benefits broker who genuinely wants to help your business and your people thrive. Let's find the right fit together.
Book Your Tailored Consultation"We do our piece, for your peace. As your local Virgin Islands benefits partner, we're not just here at renewal time โ we're here year-round, genuinely invested in the health and success of your business and your people."
โ Julian, Titan Insurance