About Us

The Garrett Insurance Group

Our origins date from 1980, when Garrett & Associates was founded as an agency selling insurance for the Government-owned monopolistic insurance company, Instituto Nacional de Seguros (INS).

In 2009 the insurance market in Costa Rica was opened, finally allowing insurance companies other than INS to operate in this country.

As a monopoly INS was self-regulating. When the market opened up for competition, very quickly a regulatory body was established to superintend the entire industry, and laws and regulations were passed. These establish the conditions whereby insurance companies can set up and operate here, and determine the products which can be offered.

The laws and regulations for practical purposes preclude the transformation of insurance agencies (such as Garrett & Associates), which sell insurance for a single insurance company, into brokerages, which present their clients´ needs to the different insurers in order to come up with the best option and make a recommendation which can ultimately lead to a sale.

In order to continue giving optimum service, it was necessary to count on a brokerage, thus in the last quarter of 2010 Unicen Corredora de Seguros began operations, as brokerage with all the legal requirements to give full service in Costa Rica.

In order to avoid duplication, an additional new company, RODELU, S.A., processes claims and other paperwork for the brokerage and the agency.

The three companies comprise the group. They have different ownership, although several shareholders and directors overlap.

We are known for giving excellent insurance information, advice and service to the foreign community in Costa Rica. In 1993 we sponsored a widely acclaimed English-language manual “Insurance in Costa Rica”. Since 1990 a similarly named column has appeared in The Tico Times six times a year. (See collection of articles on this web site.) Since 2006 we publish in newspapers and on the Internet a series of  “INSURANCE NUGGETS” which give brief information and advice on insurance-related topics.

Because of our foreign filiations and language capabilities we give service to a number of large multinational companies, boasting open communications with their risk managers all over the world.

Our objective is to optimize the experience gained in over 30 years in Costa Rica. Our mission and vision are available on this web site.

We offer the following advantages:

  1. Impeccable reputation.
  2. Part of a regional consortium UNICEN CENTROAMERICA which allows us to coordinate region-wide coverage.
  3. Correspondents in Costa Rica for WILLIS, one of the foremost worldwide brokerages.
  4. All our brokers are bilingual English-Spanish. Some have other language abilities.
  5. Up to date communications.
  6. Following the example of other modern brokerages, we have specialized departments for the main lines of insurance: Automobile Insurance, Fire & Natural Disasters, Personal Insurance, Claims, Employee Benefits, etc.

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