Yachting in the Caribbean began as a trickle in the 50s, which was the beginning of the charter industry in ST Thomas and Antigua. It got rolling in the 60s, accelerated in the 70s, sky rocketed it in the 90, and has undergone an exponential yearly growth in the 21st century.
In the early years many of the boats were uninsured. Insured boats, some insured in the state, some with Lloyd's. Almost all English boats were insured in Lloyd's.
There was no one in the eastern Caribbean who specialize in marine insurance.
I arrived in the Caribbean in St Thomas the end of November 1956, and bought in March 1957, Iolaire a 46' engineless sloop, later converted to a yawl, built in England 1905.
After working at various jobs I ended up in the charter business skippering Iolaire.
While I was teaching sailing at City Island YC the summer of 1961 I felt that I might not want to spend the rest of my life as a charter skipper so I took a three night a week course in insurance brokerage that would lead to taking an exam for NY state insurance broker license.
I completed the course, passed the exam but did not stay for the NY State Insurance brokers exam. Rather I sailed Iolaire south to St Thomas.
I discovered in my absence that a newcomer had set up an insurance brokerage office, basically general insurance but also marine. I was quickly hired and combined chartering Iolaire and selling insurance, marine , but also house car and motor cycle!!!!