Hand-in-Hand Mutual Fire Insurance Company Limited (HIHF)

The Hand-in-Hand Mutual Fire Insurance Company Limited (HIHF) proudly stands as Guyana’s longest-established property insurer and an AM Best-rated institution, a proven mark of financial strength, trust, and resilience. Now celebrating 160 years of excellence, the Company represents one of the most enduring success stories in Guyana’s corporate history.

Founded in 1865 and owned by its policyholders, HIHF operates as a mutual company, meaning our progress is shared directly with the people and communities we protect. Born in the aftermath of the devastating fires that once threatened Georgetown, the Company was created with a clear purpose: to safeguard lives, homes, and livelihoods. More than a century and a half later, that mission continues to guide every decision we make, strengthened by integrity, service, and an unwavering commitment to national development.

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A Legacy of Leadership and Growth

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As the founding pillar of the Hand-in-Hand Group, HIHF anchors a distinguished network of financial and
insurance institutions:

• Hand-in-Hand Mutual Life Assurance Company Limited – incorporated 1966, specializing in long-term insurance services
• GCIS Inc. – proprietary composite insurer providing Property and Motor coverage (acquired 1998)
• Hand-in-Hand Trust Corporation Inc. – the largest trust company in Guyana (acquired 2002)
• Hand-in-Hand Investments Inc. – managing the Group’s real estate and special investment portfolio
• Frandec & Co. (Insurance) Inc. – health insurance provider (acquired January 2023)

Over the decades, Hand-in-Hand has:

• Helped pioneer Guyana’s insurance industry and shape modern insurance practice
• Expanded nationwide accessibility through nineteen interconnected offices across the country
• Maintained 100% Guyanese ownership, ensuring decisions remain locally driven
• Earned an international A.M. Best Financial Strength Rating of B++ (Good), the first indigenous insurer to achieve this distinction
• Modernized operations through digital services and streamlined claims processing
• Invested consistently in education, health, youth empowerment, disaster relief, and community
  development initiatives

For 160 years, generations of Guyanese have relied on Hand-in-Hand for dependable protection, attentive service, and competitively priced coverage. Our experienced management team and professional staff continue to advance customer service, technology, and corporate governance standards as we evolve into the future.

Through our nineteen interlinked locations nationwide, supported by convenient online renewal options via MMG, Scotia Online, Republic Bank Online, Citizens Online, GBTI GO Banking, and Demerara Online, protection is always within reach.

Reaching this milestone reflects not only financial stability, but the enduring confidence of our policyholders and the dedication of our employees and agents, past and present.

Contact us today to learn more about our reliable, affordable insurance solutions, and experience the security, confidence, and peace of mind that comes from protection you can trust.