About Us

About Us

Every day since 1963, the employees of today’s RF&G and all of their predecessors have been serving people and businesses across Belize, helping to protect their property and futures.

The company is a wholly owned subsidiary of G.A. Roe and Sons Ltd, whose diverse commercial interests in Belize make up the Roe Group of Companies. RF&G Insurance hold over 50 per cent of the general insurance market share in Belize.


RF&G is committed to the improvement of the Insurance Industry of Belize, and has chosen to invest in a highly sophisticated insurance underwriting software, which has allowed us to become more efficient and provide our clients with quality service.

In order to achieve an exceptional level of service, the company has an ongoing commitment to:

  • maintain the highest standards of integrity
  • employ, educate and develop capable staff who are committed to excellence
  • create relevant products for clients to meet their ever changing lifestyles

Our Vision

To be a leading “world class” insurer in Belize, satisfying the ever changing needs of our customers with integrity and innovation, providing continuity for clients, shareholders, employees and the community.

Our Mission

To provide Secure and Competitive insurance products adapted to the needs of our customers, making use of the latest technology whilst delivering a professional, efficient and personalized service based on a strong financial and ethical foundation.

Board of Directors


MICHAEL JONES, Non-Executive Director

GUY HOWISON, Managing Director

JOYCE PERDOMO, Underwriting Director

ANDREW MARSHALLECK, Non-Executive Director

ANDREW LEVY, Non-Executive Director

Key Technical Personnel

Executive Directors


GUY HOWISON (Managing Director)
Associate of the Chartered Insurance Institute (UK) & Chartered Insurer

JOYCE PERDOMO (Underwriting Director)
Cert. CII

ANDREW ROE (General Manager)
MSc (Risk Management & Insurance), Cert ClI


Underwriting & Technical Team Leaders

MELISSA GALLEGO (Underwriting Manager)
Caribbean Certified Insurance Professional (CCIP) & Bsc Business Administration.

STEPHEN  SWIFT (Underwriting Manager – Retail)

CAROL HAUGHTON (Asst. Underwriting Manager)
Associate of the Chartered Insurance Institute (UK) & Bsc Chemistry & Botany

TONI CHANONA BRADLEY (Operations Manager)


Claims Team Leaders



RF&G Insurance has a prudent and conservative reinsurance programme in place with Lloyd’s of London and leading international reinsurers, all of whom hold a minimum A rating from leading financial credit rating agencies. RF&G is a member of the Organization of Insurance Companies in Belize (ORINCO), Insurance Institute of Belize (IIBZ), the Insurance Association of the Caribbean (IAC) & Belize Chamber of Commerce.