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Letter from the publishers As we look back on the incredible year Cayman has had, we once again reflect on

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how lucky we are to call these Islands home. Not only are the construction and finance industries booming but we welcomed more stay-over tourists than ever before. We have new schools and huge investment in our world-class healthcare, falling unemployment rates, and our GDP is up.


Though the year has been one of great prosperity for many in Cayman, our thoughts turn to our neighbours in the Abaco Islands and Grand Bahama who have been devastated by Hurricane Dorian. Their lives, like ours in 2004 when



Hurricane Ivan ripped through Cayman, are going to be on hold as they work out how to recover. We pray they come back stronger and better than ever before

Maps about CayMan WoRKInG In CayMan IMMIGRatIon FooD & DRInK HEaLtH pEts anD MuCH MoRE! EDuCatIon KIDs & aDuLt aCtIVItIEs FInDInG, RunnInG & buILDInG a HoME

WWW.CaYMaNRESIDENT.COM Maps about CayMan WoRKInG In CayMan IMMIGRatIon FooD & DRInK HEaLtH pEts EDuCatIon KIDs & aDuLt aCtIVItIEs FInDInG, RunnInG & buILDInG a HoME anD MuCH MoRE!


in the years to come.


Download the new magazine today!

We have once again updated all the information in this tome which residents call ‘their bible of the Cayman Islands’, and whatever we could not fit in these pages has been put on our website, www.caymanresident.com. It took a team of writers and researchers from April to September to fact-check, research and

All the benefits of the print version, plus... Advanced Search Active Web Links Email Enabled

then update all 416 pages. It feels like a great privilege to know so much about the Cayman Islands and to learn more each year, and we look forward to the 2020 publication illuminating the path for others in the year ahead. As we send our 17th ‘baby’ into the world

Compatible with Apple and Android Devices

we hope it proves to be an incredibly useful tool to all those who live in and love Cayman.

Visit www.issuu.com and search for

Cayman Resident 2020

We wish you a happy and prosperous 2020!

“The really useful guide company”

Acorn Publishing Co Ltd. PO Box 31403 Grand Cayman KY1-1206 Cayman Islands Tel: (345) 946 3200 Fax: (345) 946 2830 Email: info@acorn.ky www.caymannresident.com



Charles Grover & Joanna Boxall Publishers, the Cayman Resident



y it al qu


fre Grand Cayman’s favourite grocery store for special dietary & organic products. kirkmarket.ky

| TELEPHONE: (345) 949-7022


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Investing in Cayman

Working in Cayman



Home Improvements





Finding A Home




Food & Drink



210 p157


The Cayman Islands


Work Permits

157 Babysitters & Nannies


Seven Mile Beach


Permanent Residency

158 Day Spas, Hair & Beauty Salons


West Bay


Immigration Services

164 Purchasing Overseas


George Town


Visas & Passports


Red Bay, Prospect, Savannah


Aerial Map of George Town


History & Politics


Customs & Traditions


Cayman’s Financial History


Companies & Partnerships


Wealth Management


Investing in Cayman Property




Trade & Business Licensing


Setting Up an Office


What to Consider


End-of-Life in Cayman




105 Shipping Considerations


118 Utilities


146 Buying a Property 155 Renting a Property


193 Building Professionals


197 Recycling Locations


134 Overview of Residential Areas



189 Building Options

196 Being Green in Cayman

125 Pensions


183 Outdoor Living & Gardens


122 Insurance



179 Indoor Improvements


108 Opening a Bank Account


170 Cleaning Services

184 Swimming Pools

104 Cost of Living Tables



166 Maintaining Your Home


102 The Process of Moving


Finding a Job





Settling In


Building in Cayman

Running Your Home

197 Waste Management in Cayman

16. DISASTER PREPAREDNESS p204 206 Hurricane Supply Kit 206 Earthquakes & Tsunamis

Health & Wellness



268 342 Shopping

224 Boating

Getting Married





Community Life


22. EDUCATION p274


212 Places to Eat

278 Government Education

218 Supermarkets

280 Private Education

368 Playgrounds & Parks

222 Culinary Things to Do

297 Scholarships

371 Sports

300 Vocational Training

376 Cultural Activities

18. SHOPPING p224


226 Beauty Products


28. PETS p380

229 Clothing

306 Health Insurance

380 Importing Pets into Cayman

231 Furniture Stores

315 Pharmacies

382 Veterinarians

237 Toys

317 Medical Care

19. TRANSPORTATION p239 241 Driving Licences 246 Leasing a Vehicle 249 Buying a Used Car

20. BOATING p254 257 Where to Boat

344 Costs of Having a Baby On-Island

395 Religious Services




400 Gyms & Fitness

352 Planning Your Wedding

31. TRAVEL p406 407 Staycations 407 Sister Islands

358 Exploring Cayman’s Attractions 361 Cultural Activities 363 Watersports & Excursions


399 Cricket, Crossfit & Cycling


265 Fishing

273 Local Dive Operators


393 Voluntary Organisations



388 Clubs & Organisations

342 Obstetricians/Gynaecologists

354 Wedding Locations

260 Buying & Maintaining a Boat

269 Wreck Diving


347 After Having a Baby

250 Electric Cars





Having a Baby






www. c a y m a n r e s i d e n t . c o m


2020 Acknowledgements Publishers Joanna Boxall - Editor Charles Grover – GM

Sales Charles Grover Sean Kelly

Sales/Marketing Mahreen Nabi tSenior Graphic Designer Elyse Sinclair

Graphic Designer Julian Dalton

Researchers/Copy Editors Clare-Louise McGrath Jessica Wright

Summer Interns


Rosita Ritch Tasha Locke Georgia Austin Amber Benham Pippa Davies

Proof Reader Tasha Locke

Contributors JC Calhoun Jonathan Cuff Nick Dibb Rosie Dunsford Nick Joseph Sabrina Turner Dr Lana Watler Matthew Yates

Photography Cathy Church Cayman Islands National Archive Cayman Riding School DRCL/Camana Bay© Julie Corsetti/Deep Blue Images Daria Keenan Rebecca Davidson Photography John Molyneux Marc Montocchio Courtney Platt Lisa Reid Picture This Studios Jonathan Sparrow Gary White Monica Wojtkiewicz

To create the Cayman Resident magazine and website every year takes a team of dedicated staff and the willing participation of industry experts. We owe our heartfelt thanks to: The Cayman Islands National Archive Photographic Collection,Jonathan Cathy Church, Julie Corsetti and Deep Molyneaux Blue Images, Rebecca Davidson, Daria Keenan, Jonathan Sparrow, Monica Wojtkiewicz as well as Picture This and their talented photographer Lisa Reid. Also Ali Chaikoski, Gary White, Aaron Rebarchek, Mark Montocchio, John Molyneux, Austin Conolly, Andrea Iallorenzi, Courtney Platt, the Design Studio, Lily Jayne, Annabelle Kerith, Heather Neilson and many others for sharing their wonderful photos with us - thank you so much! Huge thanks to Rosita Ritch, Tasha Locke, Georgia Austin, Amber Benham and Pippa Davies for interning with us and giving us months and months of great work researching chapters, writing articles, calling clients and updating websites. JC Calhoun, owner and broker at Coldwell Banker Cayman, for giving us the latest updates on what has been happening in the Cayman property market. Jonathan Cuff, General Manager at Harbour House Marina who tapped into his love of boating to help us update our Boating chapter. Nick Dibb, from the Bovell team at RE/MAX who used his extensive knowledge of Cayman’s real estate market to help us update our article on Investing in Cayman Property. Rosie Dunsford, who heads up the SteppingStones recruitment team here in Cayman, for helping us update the Working in Cayman chapter and for suggesting some very good ideas and updates for our how to find a job in Cayman section. Nick Joseph, Partner, HSM Chambers for sharing his expertise on Cayman’s immigration laws. Matthew Yates, Strategic Communications Officer, Ministry of Financial Services for his assistance fact-checking and significantly updating the business chapters and writing the section on the new laws for 2020. Sabrina Turner, owner of Cayman Immigration Consultant Services, for helping us expand our content on Naturalisation and Cayman Status. Wil Steward, MD at Chalmers Gibbs Architects for his advice on how to build like a developer for our Building in Cayman chapter. Thais Ducent, Senior Policy Officer for the Ministry of Commerce, Planning and Infrastructure, for her help updating the Trade and Business License application process. Dr. Lana Watler, owner of Cayman Animal Hospital who helped us update the Pets chapter.

Photo of Nick Wright and twins courtesy of Daria Keenan

On The Cover Cover photograph of father and sons taken by Daria Keenan. Little Cayman sunset photo taken by Marc Montocchio, photo of moon rising taken by Brenda Miller and purple flower courtesy of Picture This.

Don’t be shy! We always welcome contributions, suggestions or photos to make this magazine even more informative and visually appealing. We would be very happy for you to send us anything that you think would be important for us to include. Or if you are a budding photographer and would like to get some of your photos published then send us your best. As you can see we publish a wide variety of images so don’t be shy! Contact Acorn Publishing on (345) 946 3200 or email: joanna@acorn.ky.

The Cayman Resident is published annually in November. Complimentary copies can be found at Government Information Services, Tel: (345) 949 8092; the Chamber of Commerce, Tel: (345) 949 8090; the Seven Mile Beach Post Office; the Airport Post Office and many other locations throughout Cayman. The information can also be found at www.caymanresident.com. All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means: electronic or mechanical, including photography and recording without the prior consent of the publisher. While every effort has been taken to provide information that is accurate as possible, the publishers and respective contributors and researchers do not accept any responsibility for injury, loss or damage occasioned to any person as a result of material in this book.





Dentons. Challenging the status quo in the Cayman Islands.

For all of your local needs including immigration, real estate and corporate/business establishment: Randall Foster Martin randall.martin@dentons.com


For litigation, cross-jurisdictional matters and estate planning: David Dinner david.dinner@dentons.com

3rd Floor, One Capital Place, Shedden Road, George Town Grand Cayman, Cayman Islands +1 345 745 5000 dentons.com

Š 2019 Dentons. Dentons is a global legal practice providing client services worldwide through its member firms and affiliates. Please see dentons.com for Legal Notices.


www. c a y m a n r e s i d e n t . c o m



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2020 Contributors

People who have helped with this issue of the Cayman Resident

JC Calhoun

Rosie Dunsford

JC helped us update our Finding a Home

Rosie helped us update the information we

chapter and gave us the ins and outs of

have in the Working in Cayman chapter on

what’s happening in the property market.

finding a job. Rosie relocated to Cayman in

JC moved to Cayman in 1979. His energy,

2011 and has worked with SteppingStones ever

experience, and great reputation has kept

since. With her Bachelors degree in English with

him in the forefront of Real Estate sales

Professional & Creative Writing, and her Level

activity all these years. Very community minded, JC has been a Founder, with

3 ILM qualification, Rosie heads up the recruitment team providing day to day

over 20 years as a Director, in both the CI Realtors Association and CI Little

support and guidance and also offers Executive C Suite recruitment services

League, and is currently a Founder and Director of the CI YMCA. He is also an

to a broad spectrum of professional, international and local businesses. Rosie’s

active member of the Catholic Church.

passion for people is her driving force.

Dr Lana Watler

Nicholas Dibb

Dr Lana helped us update the Pets chapter.

Nick used his extensive knowledge of

Educated at Canada’s prestigious Ontario

Cayman’s real estate market to update our

Veterinary College, Dr Lana became the first

article on Investing in Cayman Property.

Caymanian to earn a Doctor of Veterinary

Nick was born and raised in the Cayman Islands

Medicine. For the past 20 years she has been

and then completed his university studies in

at the forefront of promoting quality pet

London. He returned to Cayman in the summer

ownership and care, and her commitment to a high standard of care has raised

of 2017 hoping to put his business knowledge and entrepreneurial skills to work

the bar for veterinary medicine in Cayman. She served as a veterinary officer

as the newest member with the Bovell team at RE/MAX. If not already hosting

for the Dept of Agriculture, then joined a private practice as an associate, and

an open house, Nick spends his weekends playing volleyball or practising his golf

now owns her own small animal practice, Cayman Animal Hospital.


Matthew Yates

Nick Joseph

Matthew used his extensive knowledge

Over the years Nick has written, added to and

of Cayman’s financial services industry to

updated our Immigration chapter - all of it!

help us update our business chapters.

With a BA in Psychology and Languages, and

Matthew is the Strategic Communications

an LLB (Hons) in Law, Nick was admitted as a

Officer for the Cayman Islands Ministry of

Cayman Islands Attorney at Law in 1997. Today

Financial Services and Home Affairs. He has

he is a partner at HSM Chambers and a leader

played an integral role in the communications activities of the Ministry, including

of the firm’s Cayman Business Team, specialising in immigration, licensing and

media campaigns on the commencement of legislation such as the suite of

employment matters relating to the establishment of residence and conduct

intellectual property laws relating to copyrights, trademarks and design rights;

of business in and from within the Cayman Islands. He also teaches the

and the Non-Profit Organisations Law. Previously, he was a photojournalist.

Immigration Law course at the Truman Bodden Law School in Cayman.

Sabrina Turner

Jonathan Cuff

Sabrina helped us expand our content on

Jonathan shared his extensive boating

naturalisation and Cayman Status.

knowledge to update our Boating chapter.

Sabrina was the Assistant Secretary of the

A resident of the Cayman Islands since 1999

Cayman Status and Permanent Residency

Jonathan is the General Manager of Harbour

Board and worked in every department of

House Marina where he leads a team of

Immigration from 1994-2006. She founded

dedicated marine specialists in boat sales,

Cayman Immigration Consultant Services in 2006 and she advises people on

service work, and parts supply for all things marine. Jonathan is an enthusiast

all immigration matters. She is heavily involved in the local community, has

boater and can be found out on the water every weekend in his Boston

been the talk show host of the Cayman Business Buzz for the past 10 years

Whaler. When he is not boating or working he loves to read non-fiction naval

and she is the chairperson for the Prospect Community Group.

and political history books.


www. c a y m a n r e s i d e n t . c o m






35 36


40 38




32 3 9



17 10

5 6

20 19




46 28







29 30


11 7







Aerial photo courtesy of Gary White.








The Harbour Centre

Invenio Global Ltd, Duff & Phelps (Cayman) Ltd; FFP (Cayman) Ltd; VBT Band & Trust Ltd; International Management Services Ltd; Merrill Lynch Bank & Trust Company (Cayman) Ltd; Harbour Holdings Ltd; Vantage International Group Ltd; Samson Law Ltd.

Zephyr House

AIF Group Ltd; AIF Securities; Apex Fund Services (Cayman) Ltd; Loeb Smith Attorneys; Richard Barton Attorney; RSM; Squar Milner (Cayman) Ltd; Zephyr Office Suites.


Fort 51


Legislative Assembly Building

22) Elmslie Memorial United Church


Flagship Building

23) Port Authority

Alvarez & Marsal; Haagen-Dazs; Latitude 19; Real Vision; Turtle Bay.


Butterfield Place

Branch banking, credit services and corporate offices.


JEC Property & Abernethy & Associates


Public Library


Maitland Building/George Town Financial Centre


Genesis Building


Clifton House


Appleby Tower


Waterfront Centre


9) 10)

Maitland Administration Ltd.

Appleby; Estera.

Appleby Cayman Ltd; Banco Bradesco

2 Blue; Captain Marvin’s Watersports; Dairy Queen; Pirana Joe; Rocky’s Diamond Gallery; Shellections.

Commissions Secretariat; Global Fidelity Bank; WB Financial Group; Young & Young AFA Ltd.

DMS House


Kensington House


Apollo House

Workforce Opportunities & Residency Cayman (WORC)

HSM Building

Kensington reception; Kensington; Stuarts Walker Hersant Humphries; Stuarts Corporate Services Ltd; Southern Management Services Ltd.

CIBC Financial Centre

CIBC Cayman Bank Ltd; Truman Bodden Law School.

Cayman Islands Development Bank; Chatterbox; Credit Suisse; Director of Public Prosecutions; Dominion; Fidelity Group of Companies

HSM Law; HSM IP Ltd; HSM Corporate Services Ltd; Butterfield Trust (Cayman) Ltd.


DMS Reception; DMS Bank & Trust Ltd; DMS Corporate Services Ltd; DMS Governance Ltd.

20) Cayman Financial Centre

21) 18

Atlantic Financial Services LLP; Avata Property Services Ltd; Bould Consulting; Cayman International Assembly of God; C.S. Gill & Co; Delta Bank; F.A. Investments; HG Realty; IQ-EQ; McGrath Tonner; Sinclair Group; The Bould Foundation.


Artemis House


Proceedings Unit; Financial Services Registry/Grand Court Registry; Giglioli & Co; Judges Chambers; Judicial Financial Centre.

Liberty Wealth; Property Cayman; Bronte Development; The Agency; The Beach; Bluestone Cafe.

Kirk House

Chambers of Chief Justice; Court 4 & 5; Family

24) Island Plaza

Churchill Cigars; De Sunglass Man; Island Jewelers; Margaritaville; Pandora; Swarovski; Too Hot.

25) Kirk Freeport

Kirk Leather; La Parfumerie II; TimeZone.

26) Kirk Freeport Plaza Ltd.

Kirk Jewelers; La Perfumerie I; Swatch.


Cardinal Plaza

Bank Mandiri; Cardinal Properties Ltd.; Chelverton Investment Ltd; Discount Excursions; Gems International Diamond Centre; Jewellery Design; Princess World Jewelers; Sand, Sea & Sun; Sound Financial Management Ltd; Sterling & Stone.

28) Royal Plaza

PENHA; MAC; Vertu; Victoria’s Secret.

29) George Town Post Office 30) Scotia Centre (building sold to the Government in 2018) 31)

FirstCaribbean House

CIBC FirstCaribbean Bank; Regatta.

32) One Capital Place

Centralis Cayman Ltd; Deloitte; Dentons; NCB Group; Not Your Standard Communications Agency; Paradigm Governance Partners Ltd; Rankin Berkower (Cayman) Ltd; Trident Trust; ZEDRA Trust Company (Cayman) Ltd; Zedra Trust Company Ltd.







57 55

61 51







Campbells & Campbells Corporate Services; Cary Olsen; Artex Risk Solutions; Higgs & Johnson Attorneys-AtLaw; H&J Corporate Services; Collas Crill; McCormick Global Ingredients Ltd.

44) Elizabethan Square

Cayman Conference Center; Cayman Travel Services; Chris Johnson Associates Ltd; CI Monetary Authority (Training); Conglomerate Agency; Facey-Clarke & Associates; Fast Loans; Lions Club of Tropical Gardens; Montpelier Properties; Rainbow Photo; RCIP Financial Crimes Unit; RCIP Headquarters; The Thai Restaurant; Valora Ltd; Mrs. Rosie Whittaker-Myles – Attorney-at-Law.

34) Cricket Square – SIX

Cayman Islands Stock Exchange; Cayman Islands Monetary Authority; Conyers Dill & Pearman; Conyers Corporate Services; Conyers Trust Company; KPMG; HedgeServ.

Five Continents Financial & Partners Ltd; FLOW; HLX Mgmt Ltd; Multi-Agency Safeguarding Hub (M.A.S.H.); Office of the Auditor General; Office of the Ombudsman; Subway.

Maples FS

36) Brasserie Building

Energy; Orchid Development; The Brasserie and The Brasserie Marketplace.

37) Cricket Square – Century Yard

Caring Hands Cayman; Circumference FS; EisnerAmper Cayman; Mapes FS; Paget-Brown Trust Co.

38) Cricket Square – The Pavilion

BB&P Advertising; NCB (Cayman) Limited; Overseas Asset Mgmt (Cayman) Ltd.

46) Royal Bank House

BNP Paribas Private Bank & Trust; RBC Royal Bank (Cayman) Ltd; RBC Wealth Management.

47) George Town Police Station 48) Immigration Department & Passport Office

50) Cayman Prep Primary School



42) Cayman Island’s Government Administration Building 43) Elizabethan Square (Amerigo, Bodden and Eden House) CI Monetary Authority (Training)

Bar Crudo; Guy Harvey’s Restaurant; Blue Dragon Tattoos; Government Needs Awareness Unit (NAU); Harley Davidson of Cayman Islands; Stogies Cigar Bar.

55) Citrus Grove

Bodden Holdings Ltd; Bodden Shipping Agency Ltd; Caribbean Marine Service Ltd; Deloitte; DRC (Cayman Islands) Ltd; Hampson and Company Attorneys; Mainstream Fund Services Ltd; Republic Bank (Cayman) Ltd.

56) George Town Hospital 57) CTMH Doctors Hospital 58) Cayman Craft Market 59) Harbour Place

Andreas Ugland & Sons Ltd; AOU Property Services; Cainvest Bank & Trust Ltd; Cayman First Insurance Company Ltd; Harneys; International Corporation Services Ltd; Island Style Boutique; Jack Sparrow Fish & Chips; Queensgate Trust Co; South West Collective Cafe and Bar; Summit Trust (Cayman) Ltd; Tetra Laval Finance Ltd; Travers Thorp Alberga Attorneys.

Cayman Islands Red Cross; Harmonic Fund Services; Northview Services Ltd; Sterling Security Solutions Ltd; Stone Island Ltd; UBS Trustees; Walkers.

40) Cayman National Bank Intertrust; Walkers Attorneys-at-Law.

Diamonds International.

54) Aqua World Duty Free Mall

49) Cayman Corporate Centre

39) MUFG Alternative Fund Services (Cayman) Ltd.

Walker House

53) Hard Rock Café

45) Anderson Square

35) Cricket Square – Boundary Hall

Cayman National Museum

52) Bayshore Mall

Cartier Boutique; Cayman Creperie; De Medicine Man; Etienne Blake Attorneys; Fountainhead; Kirk Freeport Clearance Centre; Kirk Freeport; La Parfumerie; Lalique Boutique; Lift Hair; Lladró Boutique; Loliday; Lucky Slice; Luxury Cayman Villas; Mojo; Onyx Strategies; Robert Towell Architecture; Swatch; Timezone; Tips n Toes; Tortuga; Tous; Vy’s Closet.


33) Cricket Square – Willow House

60) Queensgate House

Foreshore Corporate Services; Harneys; Maples Group; Ritch & Connolly; USA Risk Group CI.



Ugland House Maples Group

www. c a y m a n r e s i d e n t . c o m


About Cayman


Cayman’s Outlook


History & Politics - Early Cayman History - Piracy - Slavery - The Legal & Political Systems - Relationship with the UK - National Statistics & Fact Sheet

21 21 22 22 23 23 24

Geography - Geology, Caymanite, Flora & Fauna - Mosquitoes

23 23 24

Customs & Traditions - Traditional Cayman Home, Backing Sand - Catboat Regattas - Traditional Industry, Thatch Weaving - Turtles & Turtling

25 25 25 25 26

Traditional Events & Holidays


Formalities - Attire & Dress Standards - Time, Business Hours, Climate

27 27 27



Photos courtesy of the Cayman Islands National Archive Photographic Collection.


Cayman’s outlook, a history of the Cayman Islands, customs, traditions, festivals, legal and political systems, geology, flora and fauna, climate, banking hours and dress code.


2019 has seen an explosion of growth Island-wide as industries continue to expand and develop, including the record-breaking tourism numbers in the first half of the year. Air arrivals set new records, with 40,000 tourist air arrivals each month for six consecutive months. New developments and roadworks continue to appear around Cayman to cater for the influx of tourists and new residents. Changes include expanding the Linford Pierson Highway and extending Elgin Avenue, among many others. Government discussed plans to build Cayman upwards instead of outwards, and Dart continued in this vein with a proposal for a 1.5 billion dollar skyscraper. The Grand Cayman Beach Suites was reopened with a stunning new look, the Locale Hotel finally opened and, along with 351 licenced Airbnb listings, increased the number of rooms available in Cayman to 6,688. This number will continue to grow with the opening of the new Grand Hyatt Grand Cayman, and the Mandarin Oriental Hotel in Beach Bay. The George Town revitalisation project is underway, with immediate plans to improve the lighting on Edwards and Albert Panton Street, add some city furniture and plant some much-needed shade trees, among other short, and long-term plans to beautify the capital. Plans to develop Barker’s Beach into a resort and beach bar have caused public outcry by those wanting to preserve the last undeveloped stretch of beach in West Bay. Proposed plans for the property include clearing 180,000sq ft of the surrounding seagrass to construct a 300ft

48th annual CARIFTA games hosted 52 of our own athletes, over 600 guest athletes, and officials from all over the region. Cayman took home the bronze javelin medal, won by Rachell Pascal. The Government mandated green iguana cull has been a great success. Over 900,000 green iguanas have been culled by September, and the project is well underway to meet its total by the deadline. HISTORY & POLITICS

Early Cayman History - 1503 to 1670 Christopher Columbus is credited with discovering the Cayman Islands. The explorer was on his fourth voyage of discovery when his ships, ‘Santiago de Palos’ and ‘La Capitana’, sailed past Cayman Brac and Little Cayman. The date was the 10th of May 1503, and his son Ferdinand noted in his journal, “We were in sight of two small, low islands, filled with tortoises, as was the sea all about.” Columbus named the islands ‘Las Tortugas’ after the large number of sea turtles he saw. Columbus and his men didn’t stop. Worm-eaten and leaking badly, their ships laboured on until they had to be beached and eventually abandoned in St. Ann’s Bay, Jamaica. Historians question whether Columbus was really the first person or even European to set eyes on the Cayman Islands; a full year prior to Columbus’ journey, the three islands appeared on the 1502 Cantino map. Moreover, Queen Isabella of Spain authorised four other voyages to the New World in 1499. Aside from these facts, even if Columbus was the first European explorer to set foot in Cayman, at the time of his visit, there were as many as a million Carib, Taíno and Arawak Indians living in the adjacent coastal areas in the region. Archival research suggests that Cayman is a word of CaribIndian origin (meaning crocodile). The Caribs and Taíno were proficient mariners, known to make ocean journeys in canoes up to 80ft in length. In Jamaica, thousands of Taíno Indians were living just upwind and up current from Cayman, so it is probable that the Taíno were among Cayman’s first visitors. In 1586, Sir Frances Drake and a fleet of

23 ships stopped in Grand Cayman for two days and recorded that the island was not inhabited, but that there were numerous crocodiles, alligators, iguanas and turtles. In 1655, Admiral William Penn and General Robert Venables were sent from Britain by Oliver Cromwell to take Hispaniola island from the Spanish. The so-called “Western Design” failed as the English did not capture the Spanish stronghold; however, they did manage to seize Jamaica. Shortly afterwards, Cayman became a possession of Great Britain, following the signing of the Treaty of Madrid in 1670. 1700 to 1900 In the 1700s, permanent settlement of Grand Cayman began with a few families, most notably the Boddens. Between 1734 and 1742, five land grants in Grand Cayman were made by the Governor of Jamaica. At this time, mahogany and logwood were exported to Jamaica. In 1780, William Eden, a mariner and early English settler, established a cotton and mahogany plantation in Savannah’s Pedro bluff, building St. James (now known as Pedro St. James Castle), a remarkable building for that period and the only house on Grand Cayman to survive the devastating hurricane of 1784. In 1794 the ‘Wreck of the Ten Sail’ occurred and Cayman’s most popular legend (of how Cayman became tax-free) was born. In 1798, the Governor of Jamaica appointed the first magistrate in Cayman. The 1800s saw the first census (1802) and on the 5th of December 1831, Pedro St. James was the site of a historic meeting of residents who came together to resolve which representatives should be appointed for the five different districts. The meeting allowed for local laws to be formed for better government. Cayman’s first elections took place five days later, and on the 31st of December, the first Legislative Assembly met in George Town. The population at that time was approximately 2,000. Between 1830 and 1840, the first missionaries from the


www. c a y m a n r e s i d e n t . c o m



dock, significantly impacting the delicate ecosystems in the marine park. The proposed port extension and cruise berthing facility in George Town remains controversial. Concerned citizens started a petition in August 2018, and have now gathered enough signatures to initiate a referendum. Yet even without this expansion, Cayman welcomed a record-breaking 2.4 million visitors to the Island in 2018 as stayover visitor numbers grew by 10.7% and cruise ship passengers increased by 11.1%. Even without a dock we welcomed 1,921,057 cruise ship passengers. Renovations to the Owen Robert’s International Airport are complete. The new 200,000sq ft facility, designed to handle up to 2.7 million travellers per year, has already received a record-breaking number of arrivals. Amongst these arrivals, the Island welcomed the Prince of Wales and the Duchess of Cornwall in March to officially reopen the terminal. Improvements to the runway have also been planned to enhance safety and efficiency. New airport links continue to be forged, including links with Denver, Baltimore, Houston and Dallas. The new Boeing 737 Max 8 aircrafts added to the Cayman Airways fleet have been suspended until further notice following safety issues with the aircrafts. The unemployment rate in Cayman has dropped to 2.8%, from 2018’s low of 3.4%, the lowest that unemployment has been since 2006 (2.6%). These statistics correlate with the 9.9% rise in the labour force, caused by Cayman’s ever-growing population. The population expanded by 3.8% last year to reach 65,813 in December of 2018. Cayman’s economy expanded by 3.3% in 2018 with record visitor numbers and a boom in construction moving the economy forward. Cayman’s per capita income rose to $70,956 from $67,887 the year before. Cayman hosted the KAABOO festival and the CARIFTA games in 2019; both were a huge success. KAABOO sold out both days with 10,000 attendees for the weekend, enjoying musical performances, artwork, food and drink, and other entertainment. Sadly it will not be returning in 2020. The


Anglican and Wesleyan churches arrived and the first schools were established (the Mico Charity and the Wesleyan school). In 1835, Governor Sligo of Jamaica landed in Cayman to declare all slaves free, in accordance with the Emancipation Act of 1833. In 1846, the Presbyterian Church was established by the Rev. James Elmslie. In 1898, Frederick Sanguinetti, a British national, was appointed by the Governor of Jamaica as the first Commissioner of the Cayman Islands. 1900 to 1970s In 1920, a major Education Act paved the way for the establishment of government schools in all districts. In 1937, the first cruise ship, the ‘Atlantis’, visited Cayman and the beginnings of tourism commenced with the publication of the first tourist booklet. However, tourism did not really take off until the 1950s when a number of hotels opened. Then in 1953 Grand Cayman’s first airfield was built which replaced the seaplane service that had operated in the North Sound since the 1940s. 1953 was significant for two other reasons, including the opening of the first commercial bank (Barclays) and the first hospital (George Town Public Hospital). In 1959, Cayman received its first written constitution, which granted women the right to vote, and in the same year Cayman ceased to be a dependency of Jamaica. In 1962, following Jamaica’s independence from England, Cayman chose to remain as a Crown Colony. In 1965, the Mosquito Research Control Unit began operating and also in that year, the Chamber of Commerce was established, the Caymanian Weekly newspaper (later the Caymanian Compass) began publishing and the Rotary Club of Grand Cayman was chartered. In 1966, landmark legislation was introduced to encourage the banking industry. In 1968, Cayman Airways started flying, and in 1970, the population reached 10,249 with a total of 403 visitors arriving that year. In 1972, a new constitution was introduced under which Cayman would be governed by a Legislative Assembly, Executive 22



Council and a Governor. In this same year, Cayman introduced its own currency. In 1973, the Bahamas became independent, and Cayman’s banking industry took off. Piracy By 1660, the English had established themselves in Jamaica and began treating the Cayman Islands as natural appendages of that larger territory. However, apart from small settlements on Grand Cayman and Little Cayman, most of the three islands were left untouched. This was ideal for pirates, since Cayman also lay astride the route of treasure galleons returning to Spain, laden with gold and silver from the New World. The promise of capturing Spanish treasure ships on their way home from the Caribbean soon attracted the attention of a motley crowd of buccaneers, pirates and freebooters. The ‘Golden Age’ of piracy spanned from the 1650s to the 1730s and Cayman’s most notorious pirate was Edward Teach, otherwise known as Blackbeard, who frequented the area from 1713 until his death on the 22nd of November 1718. Despite the celebration of Pirates Week (Cayman’s National Festival) at the beginning of November, the piratical part of Cayman history is downplayed in favour of district heritage days. However, some of the biggest names in buccaneering circles, including Lowther, Lowe, Morgan and Blackbeard, prowled the coasts of the Cayman Islands. According to Neville Williams’ book, ‘A History of the Cayman Islands’, the abundance of fresh water, turtle meat and wood, made Cayman an ideal landing spot. Furthermore, the Islands offered pirate captains the possibility of finding crews to man captured vessels and a quiet location away from the authorities where pirates could hide their loot and careen and repair their vessels. This pirate’s haven, however, only lasted for about 110 years; by the 1730s, the scourge of the buccaneers had been largely tamed, if not discouraged, by the growing population.

Slavery The first Cayman land grants by the English Crown were made in 1734 and it is likely that these first settlers brought slaves. The holdings were granted to Campbell, Middleton, Bodden, Spofforth, Foster and Crymble. In 1773, the cartographer George Gauld drew the first map of Grand Cayman for the Royal Navy. He made a note in the margin, marking the population at 400 – half free and half slaves. By 1802, when Edward Corbett did his census, the population of Grand Cayman had grown to 933, of which 545 were slaves. Interestingly, only two of the original founding families (Foster and Bodden) still remain. It is possible some of these families returned to Jamaica with their slaves, having found Cayman unsuitable for planting on a large scale. According to Bertie Ebanks’ book ‘Cayman Emerges’, there were no more than 985 slaves out of a total population of 2,000, when slavery was officially abolished in 1833, resulting in a ratio of about one slave to one non-slave. This makes Cayman very unusual compared to other Caribbean islands, particularly Jamaica, where the ratio was 10 slaves to 1 free man at the time of emancipation. In exchange for their freedom, the claims of all the 116 Caymanian slave-owners totalled 447,765 Pounds Sterling. To this day, Cayman has very good race relations and according to the author Gary Lee Roper, quoting from his book ‘Antebellum Slavery’, “Grand Cayman differs greatly from its neighbour Jamaica, in that there were no large plantations on the three small Cayman Islands, slaves were limited to the trades and domestic arts.” This is part of what differentiates the Cayman Islands from other slaveowning nations in this time period. Although slavery existed in Cayman for about a century, it was not ultimately able to prosper because the main sources of industry on the Island were not in areas that were conducive to slave trade, such as farming and agriculture.

The Political System & 2017 Election The Cayman Islands is a parliamentary democracy with judicial, executive and legislative branches and holds its general elections every four years. Cayman currently has one political party, the People’s Progressive Movement (PPM), led by Alden McLaughlin, and the independents are led by Arden McLean. We have learnt that North Side MLA Ezzard Miller will be forming a new political party, the Cayman Islands People’s Alliance, for the 2021 general election and will be running a slate of 19 candidates in it. On 24 May 2017, Cayman held a landmark election – the first with single member constituencies following a pivotal change to the country’s electoral system in 2016. In this “One Man, One Vote” electoral system, voting districts were increased to 19, with each district now only represented by one Member of the Legislative Assembly (MLA). Given the dramatic increase in the number of candidates vying for a political seat,

this historic election was a contentious one. Since the establishment of political parties in the Cayman Islands, a record number of candidates entered the race as independents and a total of nine were elected. Three former cabinet members: former (and now current) premier Alden McLaughlin, Moses Kirkconnell and Tara Rivers were re-elected. After the much talked about “horse-trading”– what locals call the period of time following an election where ministry assignments are decided – the PPM secured control of cabinet. Alden McLaughlin now holds responsibility for human resources, immigration and community affairs. Tara Rivers, the former education and labour minister has presides over the financial services and home affairs portfolios. Moses Kirkconnell is once again deputy premier with responsibility for district administration, tourism and transport. Former speaker, Julianna O’Connor-Connolly, now has responsibility for education, youth, sports, agriculture and lands. Joey Hew oversees commerce, planning and infrastructure, Roy McTaggart has public finance and economic development under his purview and Dwayne Seymour is responsible for health, the environment, culture and housing. Former opposition leader McKeeva Bush is the speaker of the house. Independent, East End MLA Arden McLean is the new leader of the opposition. The next general election is scheduled to be held in May, 2021. Relationship with the UK The Cayman Islands have been connected to Great Britain since the signing of the Treaty of Madrid in 1670. From that time until 1962, Cayman was linked to Jamaica as a dependency. In 1962, Jamaica chose to become independent, but the Cayman Islands decided to remain a British colony. In 2002, the Foreign and Commonwealth Office discontinued the use of the term “Dependent Territory” and the Islands are now called an “Overseas Territory”. The Foreign and Commonwealth Office appoints a Governor, whose responsibilities

cover a number of areas including: National Security, Foreign Affairs, Police, Immigration, Passport Office, Postal Services and other portfolios, such as Broadcasting, District Administration and Civil Service. Currently, there is very little desire amongst Caymanians for the Islands to become independent. GEOGRAPHY

Geology The Cayman Islands are the tops of seamount pinnacles reaching up from the Cayman Trench — one of the deepest sections of ocean in the world. The Cayman Ridge stretches from the Sierra Maestra mountain range in Cuba to the Gulf of Honduras. This ridge forms the northern margin of the Cayman Trench, which is 100 miles wide and reaches depths of around 25,000ft. The Islands’ position near the Oriente Transform Fault and the Mid-Cayman Rise, means that the three Islands are separate uplifted fault blocks that were pushed up by friction between the North American and the Caribbean tectonic plates. According to the research of geologist Brian Jones, each Island appears to have a granodiorite foundation, which is succeeded by a cap of basalt and an uppermost layer composed of carbonates. These carbonates were created by living organisms such as corals, algae and shells, and were laid down during sea level changes over the past 30 million years. Caymanite Hidden away, under the jagged crust of Grand Cayman’s East End and the craggy cliffs of the Bluff in Cayman Brac, lie beautiful and mysterious mineral deposits. These rock strata, called Caymanite, are found only in the Cayman Islands and are well disguised by the surrounding limestone. Caymanite has layers of colours in earth tones, created by the different metallic contents of each strata. Its hardness challenges any who work on it, but when cut and polished, the stone has radiant hues and can be transformed into unique jewellery and carvings. There is a permanent


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The Legal System The Cayman Islands legal system is based on English common law, with the addition of local statutes which have, in many respects, changed and modernised the common law. The Islands have a good legal and judicial system and are constantly being upgraded to enhance their safety and reputation as a leading financial centre. The courts system is a simple one, with practice and procedure based on English law. Minor criminal and civil cases are tried by a Stipendiary Magistrate sitting in the Summary Court. All serious crimes and most civil cases are tried by the Grand Court, presided over by the Chief Justice and Grand Court Judges permanently residing in the Islands. Appeals lie from the Grand Court to the Cayman Islands Court of Appeal, which sits in Grand Cayman and, from there, to the Judicial Committee of the Privy Council in England. New residents, especially those from the US, may be surprised to find that barristers in court wear wigs and gowns.


Caymanite display at the Cayman Islands National Museum and pieces can be purchased at various places in Cayman including the Museum, Artifacts, Pure Art Gallery and other jewellery shops.

Fact Sheet

Composition: Grand Cayman, Cayman Brac and Little Cayman

Flora & Fauna Cayman is world-renowned for its marine life, but there is much to see on land as well. Over 650 different species of plants have been recorded and the forests are far more diverse than those found in more temperate northerly latitudes. Two of the best places to see the flora and fauna of Grand Cayman are the Botanic Park, where you’ll spot lots of the endangered Blue Iguana, and the Mastic Trail. Cayman Brac and Little Cayman are also particularly popular with bird watchers. Little Cayman has a major breeding ground for a species of cormorant called the Red-Footed Booby. Cayman also has a colourful native green parrot that can be heard chattering in almond trees on all three islands, especially at sunset. Frogs, lizards and green iguanas are common around houses, especially those backing onto the bush and bats can be seen at night. Large, edible land crabs crawl across roads after heavy rains. The agouti (known locally as rabbit) is shy and rarely seen. Fresh water ponds attract migrating birds and are filled with hicatees (a species of aquatic tortoise) and tiny minnows. A lot of Cayman is covered in wetland, so there are large areas of mangrove wilderness, an essential breeding ground for fish and birds. Their protection is a major project of the National Trust for the Cayman Islands.


Mosquitoes Before the Mosquito Research and Control Unit (MRCU) was established in 1965, mosquito numbers were legendary. Reports were made of livestock being suffocated during the night and people did not venture outdoors without a smoke-pot to drive off the mosquitoes. Then, Dr. Marco Giglioli came to Cayman and manipulated water levels of the wetland areas to control the pests by physical means. Giglioli promoted the use of a species of fish in the swamps that are particularly voracious predators of mosquito larvae. The methods introduced by Giglioli, including aerial spraying, have controlled the mosquitoes successfully but resistance to insecticide is a growing concern, so MRCU has had to take additional measures. The Aedes aegypti mosquito, a nonnative species in the Cayman Islands, is the predominant carrier of viruses, including dengue, chikungunya and Zika. In July of 2016, genetically modified male Aedes aegypti mosquitoes, that were altered by biotech company Oxitec to include a ‘self limiting gene’, were released in West Bay. Oxitec’s method is environmentally safe, species-specific and has no side-effects. Once set free and they mate with females in the wild, their offspring dies before reaching maturity, thus crashing the Aedes aegypti population. In 2017, researchers’ findings indicated that the population of Aedes aegypti was lower, and a 62% suppression rate of the Aedes aegypti population was observed

Infant Mortality rate (per 1,000 live births): 1.4




Grand Cayman – Western Caribbean, about 150 miles south of Cuba, 480 miles southwest of Miami, 180 miles northwest of Jamaica Cayman Brac – 89 miles northeast of Grand Cayman Little Cayman – 5 miles west of Cayman Brac

Capital: George Town, in southwest Grand Cayman Size: 102 sq miles/164 sq km (total area of all three islands) Grand Cayman – area: 76 sq miles; length: 22 miles; average width: 4 miles; highest point: about 60ft above sea level Cayman Brac – area: 15 sq miles; length: 12 miles; average width: 1.5 miles; highest point: The Bluff – 140ft above sea level Little Cayman – area: 11 sq miles; length: 10 miles; average width: just over 1 mile; highest point: 40ft above sea level

Population: 65,813 of which 36,705 are Caymanians (2018) National Income (2018): GDP per capita: CI$66,917 Real GDP: CI$4,304.4 million Total Government Revenue: CI$835.2.0 million Total Government Expenditure: CI$651.9 million Core Government Debt: CI$418.7 million

Other Statistics (2018): Unemployment Rate: 2.8% Total Work Permits: 26,657 Total Labour Force: 46,178 Total # Central Government Employees: 3,938 Average Inflation Rate: 3.3% Total Imports: CI$1,058.6 million Bank & Trust Licences: 133 Captive Insurance Licences: 703 Total Mutual Funds: 10,992 New Company Registrations: 16,326 Doctors per 1,000 population: 3.7 Visitor Air Arrivals: 463,001 passengers Cruise Ship Arrivals: 1,921,057 passengers

Main Industries: Tourism, Financial Services and Construction

Political Status: Overseas Territory of the United Kingdom (i.e. British dependency)

Nationalities: Over 130 different nationalities are represented in Cayman, including Caymanian, Jamaican, Filipino, British, American, Canadian, and a mix of Latin American. Information obtained from The Economics and Statistics Office.

in the release area, compared to that of the control area. It was never clarified if the decrease in population was due to Oxitec’s modified mosquitoes, or other irradication work done by the MRCU. The project is no longer under way. CUSTOMS & TRADITIONS

The Traditional Cayman Home The oldest known style of Caymanian home is the ‘wattle and daub’ cottage, which dates back to the mid-18th century. Houses were usually rectangular, with foundation posts made from termite-resistant ironwood.

Backing Sand Family outings to the beach on weekends are a major part of Caymanian culture, but sand plays another very important role in Cayman at Christmas time. Unlike many parents around the world, Caymanians have always been able to guarantee their children a white Christmas. The tradition of ‘backing sand’ has stood the test of time. Often, beginning as early as October, Caymanians could be seen by the light of the moon carrying ‘ground baskets’, woven from leaves of the magnificent thatch palm trees that tower loftily over the islands, brimming with powder-white sand from the beaches. The sand would be deposited in the front yard and on Christmas Eve, raked into intricate patterns and decorated with shiny new conch shell pathways.

Public Holidays 2020

Wednesday, 1st January New Year’s Day Monday, 27th January National Heroes Day Wednesday, 26th February Ash Wednesday

Friday, 10th April Good Friday

Monday, 13th April Easter Monday

Monday, 18th May Discovery Day (3rd Monday in May)

Monday, 15th June Queen’s Birthday

Monday, 6th July Constitution Day (1st Monday in July) Monday, 9th November Remembrance Day Friday, 25th December Christmas Day Saturday, 26th December Boxing Day

Catboat Regattas Cayman’s proud maritime history has served to provide many lasting traditions. The Catboat, a simple sailing boat once used for fishing and turtling in and around Cayman waters, is enjoying a revival thanks to the efforts of the Cayman Islands Catboat Club. Regular regattas are held in Grand Cayman and the sight of these humble, yet skillfully crafted vessels tacking their way around George Town’s bustling harbour, vying for space amid cruise ships, dive boats and tenders, is a truly remarkable snapshot of the juxtaposition of past and present in Cayman. Traditional Industry Through the ages, the principal economic mainstay of the Cayman Islands has been the hunting of sea turtles. However, there have been other industries, including schooner building, sponge harvesting, gathering of seabird eggs, wrecking, guano collecting, catching sharks for the leather industry, felling and removal of hardwoods such as mahogany and cedar, barking of red mangrove trees and cutting of logwood for their use in dyes. Coconuts were exported, cotton was gathered, ropes were made from thatch and, from the late 19th century until the 1960s, Caymanians worked as merchant seamen on commercial ships. Thatch Weaving & Rope Making Another noteworthy tradition is thatch weaving. ‘Laying rope’ was once one of the few means of making a living for Caymanian women and children while the men were away at sea. This valuable custom has been passed down from generation to generation. Certain districts were known to produce the best ‘tops’ for cutting and people would often walk for miles to collect bundles of thatch, which would later be stripped, dried and twisted into fine fathoms of rope. This would then be traded overseas or exchanged for goods such as cloth, sugar or kerosene. Folk Singing In 2009, the Cayman National Cultural Foundation formed the Cayman Islands


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Once known as the “islands that time forgot,” the Cayman Islands have been catapulted into the 21st century at, some say, an alarming rate. Yet over the last decade there has been a determined effort to uphold a balance between preserving the essence and simplicity of the past, while still moving resolutely into the future. Many Caymanian customs and traditions are linked inextricably to religious holidays. Whether camping by the sea at Easter or hunting for land crabs during the rainy season, these events are social in nature and family-oriented. Visit East End on any given Sunday and you will see families and friends, recently returned from church, ‘shooting the breeze’ on their front porches or enjoying a noisy game of dominoes under the shade of a breadfruit tree. Being up to date on the latest ‘Marl Road’ (gossip) is as important as drawing breath in the Cayman Islands!

Gaps between the ironwood or mahogany posts were filled with a basket weave of wattled sticks and then plastered on either side with lime daub made from burnt coral. The earliest roofs were thatched using palm tree fronds, but in more recent times, wood, shingle or corrugated zinc have been used. Windows were simple openings with wood board shutters, while smoke-pots helped keep out mosquitoes. Normally, these one-storey dwellings would feature a steeply pitched roof. This would keep the houses cooler as hot air rises. The typical sandy yard would have been shaded with seagrape and popnut trees and there would be a separate ‘caboose’ for cooking.


Folk Singers, a company dedicated primarily to preserving, celebrating and propagating the musical traditions of the Cayman Islands. The company exists to bring folk music of the highest artistic and technical standards to the people of the Cayman Islands. The work it produces is reflective of the Caymanian image and it helps us appreciate our place in the Caribbean region and the wider world. Since its inception, the group has been showcasing Cayman’s rich musical heritage through song. The Folk Singers have an impressive repertoire of Caymanian composition, as well as beloved songs from around the region. For more information email: cncf@artscayman.org. Turtles & Turtling When the first Europeans came to Cayman, they found one of the largest turtle nesting grounds on earth. For nearly 200 years, ships of all nations (particularly French, Dutch and English) came to these shores to ‘turn’ green and loggerhead turtles and dry their flesh, an easily obtainable source of protein for ship or plantation stores. Early on, Cayman became the centre of the Caribbean turtle industry. By 1800, the turtle population had dwindled and the local turtling fleet turned their attention to the south coast of Cuba and the coastline of Central America. Until the early 1960s, Cayman ships still supplied the largest share of turtles entering foreign markets from the Caribbean. These were mostly caught on the Mosquito Coast of Nicaragua. The Cayman Islands officially banned turtle hunting in 1988; however, in honour of Cayman’s turtling heritage, certain individuals are permitted to hunt turtles under license in accordance with the Marine Conservation Law. While typically some of these individuals apply to renew their licences annually, in the past few years, no turtles have been taken under a licence. The Cayman Turtle Centre is a major tourist attraction. It is home to hundreds of turtles and supplies the local market with turtle meat. 26



Camping Camping by the sea at Easter is a longheld Caymanian tradition. Popular spots to camp are beaches along the Queen’s Highway, Rum Point, Cayman Kai and Seven Mile Beach. Camping in Cayman is legal, but there are strict guidelines. These include removing all garbage, disposing properly of human waste, not camping on land which has a ‘Do Not Trespass’ sign on it and being very careful lighting and burying bonfires. Technically, permission must be sought from the Dept. of Environmental Health (Tel: (345) 949 6696) and the Fire Dept. (Tel: (345) 949 2276) to light a bonfire. To rent a public beach cabana call the Recreation, Parks & Cemeteries Unit (Tel: (345) 946 8250). TRADITIONAL EVENTS & HOLIDAYS

The Agricultural Show Early Caymanians supplemented the sea’s bounty by subsistence farming or backyard farming. While subsistence and organic farming in particular, have experienced a resurgence, the Department of Agriculture, in conjunction with the Agricultural Society, have been running the Agriculture Show for over 50 years. The show is a widely anticipated family event every year and provides farmers with an opportunity to sell their home-grown produce and display their livestock. In addition to the wide selection of local produce, authentic dishes and handmade crafts are available for sale; children can participate in the many kidfriendly activities such as games, pageants, horseback riding and the petting zoo. Now in its 53rd year, the Agricultural Show is a testament to the love the people of these Islands have for the land. Held every Ash Wednesday, a public holiday, it is not to be missed! Go early to avoid the traffic. Easter Easter is a very festive time in Cayman: Caymanians celebrate the occasion by camping on beaches, many attend church services and there are Easter brunches at numerous hotels and restaurants – some will even offer Easter Egg Hunts too.

Rum Point is also a popular meeting point for groups with boats, and some families rent condos in Cayman Kai and enjoy the beach for the weekend. Batabano Cayman Carnival Batabano is usually held the week after Easter every year, and will be held on 9th May 2020. It is a major highlight on the Island’s entertainment calendar. It is said the word batabano refers to the tracks left in the sand by sea turtles as they crawl onto the beach to nest. Batabano is a multi-day event that includes a Carnival Ball, soca song competition, street parade, street dance, a beach fête and pulsating Soca music, dancing and pageantry. It celebrates the Caribbean’s diverse African and religious roots, as well as reflecting the Island’s rich heritage. Thousands of Cayman’s locals and visitors flock to the streets. It should not be missed! For more information visit the Batabano website at www.caymancarnival.com. Rundown This popular local show is named after a spicy Caymanian dish that combines lots of different ingredients. It is a gentle satirical look at Caymanian life, politics and its people. For more information call (345) 949 5477 or visit www.artscayman.org. Halloween Halloween is a very popular event in the Cayman Islands. The festivities start just as the sun goes down and are wrapped up by about 9pm. Very popular areas to trickNational Symbols National Bird: Grand Cayman Parrot National Flower: Wild Banana Orchid National Tree: Silver Thatch Palm National Song: Beloved Isle Cayman National Motto: “He hath founded it upon the seas”

or-treat are Webster’s Estates and Snug Harbour, but people also trick-or-treat in their neighbourhoods. Camana Bay hosts a family-friendly Halloween Moonlight & Movies on October 31st!

Christmas Christmas in Cayman is magical! There might not be snow, but we do put up real Christmas trees and fill our gardens with twinkling lights as the rounds of parties and good cheer begin. Traditions include visiting Capt. Theo Bodden’s magnificent garden, opposite Sunset House, which from early-December becomes a theatrical display of lights. The festive season ticks off with the Christmas breeze which starts to blow in November. Camana Bay’s annual tree lighting in November is a great family outing. The Parade of Lights takes place at the beginning of December. The Rotary’s annual carol singing concert in early December is highly anticipated every year. Enjoy shopping at the local craft markets and keep a look out for an appearance from Father Christmas! FORMALITIES

Attire & Dress Standards Business attire is usually conservative for men. Jackets are rarely worn, even in board meetings, but are compulsory for lawyers

Business & Banking Hours Typical business opening hours are Monday to Friday 8.30am-5pm, Saturday 9am1pm. Usually only retail outlets are open on Saturdays. Most banks are open MondayThursday from 9am-4pm and Friday from 9am-4.30pm, but some bank branches are also open on Saturdays between 9am-1pm. Greeting Customs & Caymankind Say “Good morning” or “Good evening” on first meeting someone in Cayman. If you are talking to a Caymanian, then use the first name but preface it with a “Miss” or a “Mr”. “Mrs” is rarely used. If you do not know their name, and they are older than you, then “Sir” or “Ma’am” is appropriate. “CayMAN” (never the Caymans) is a welcoming place and ‘Caymankindness’ is embodied by many, so be sure to engage with people you meet. Caymankindness is about being kind and courteous.

Date System The Cayman Islands use the English date system: day/month/year. However, because of the influence of the US, some people write the date as month/day/year. It can be confusing so make sure to check! Daylight Savings Time & Greenwich Mean Time (GMT) Daylight Savings Time is not observed in the Cayman Islands. Cayman is on Eastern Standard Time. Also when the United Kingdom is on British Summer Time (BST), the time difference between the UK and Cayman is six hours.

Climate The most pleasant weather in the Cayman Islands is during the winter, from midNovember to April as there is little rain, brilliant sunshine and a constant cool sea breeze. These months also coincide with peak tourist season. May to November is the rainy season, but unless there is a tropical depression or a severe storm over the Cayman Islands, the rain is normally only heavy for a few hours.

Sunday Closings By law, most businesses in the Cayman Islands close on Sundays. Places that do remain open in Grand Cayman include some pharmacies, gas stations, restaurants, hotels and hotel bars, Camana Bay’s cinema and the Mountain Dew Black Pearl Skate Park in Grand Harbour.

Cayman’s Climate at-a-glance (2018 figures) Average temperature

Average sunshine hours

Average millimeters of rainfall

Average humidity (%)

25 °C /77 °F





25°C /77 °F





26 °C /78 °F





26°C /79 °F





27 °C /81 °F





28 °C /82 °F





29 °C /83 °F






30 °C /85 °F





29 °C /84 °F





28°C /82 °F





27 °C /81 °F





26 °C /78 °F





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Pirates Week Cayman’s National Festival Pirates Week 2020, will run from 12th - 17th November in Grand Cayman. The Sister Islands celebrate either sides of those dates. For over 40 years it has become the country’s largest celebration, drawing some 35,000 patrons. It currently encompasses several events, which in the past have included street dances, district heritage days, a mock pirate invasion and float parade, a song contest, two running races, a sea swim, a Pirate Pooch Parade, a steel pan competition, a children’s fun day, a teen dance and underwater treasure hunt for divers. Contact the National Festival office on (345) 949 5859 or visit www. piratesweekfestival.com.

attending court proceedings. For women: a smart skirt, dress or slacks with a blouse is appropriate. For social occasions, residents love to dress up and casual attire can be smart. Women dress in the same way they would in America and Europe. Away from the workplace, the dress is casual – shopping and running errands are done in shorts, T-shirts and sundresses.


a Global Financial Centre

Photos courtesy of Camana Bay, Ali Chaikoski, Deep Blue Images and Gary White.

An overview of the Island’s banking, fund management, captive insurance and trust industries, structured finance, currency, the stock exchange and aircraft/ship registration.



Beneficial Ownership


New & Planned Laws for 2020 


Legislation to Meet Client Needs


UK’s Vote to Leave the EU


Cayman’s Financial History


Jurisdiction of Choice30 Banking 3 1 Taxation 3 1 Investment Funds


Insurance Legislation


Captive Insurance & Reinsurance 32 Trusts 33


Companies & Partnerships


Structured Finance


Collateralised Loan Obligations


Independent Directors


Cayman Islands Stock Exchange


Cayman Islands Insurance Association


Financial Technology




Aircraft/Ship Registration





he Cayman Islands continues to maintain its dominant position as a leading global financial hub, efficiently connecting lawabiding users with providers of investment capital and financing worldwide, benefitting both developed and developing countries. Cayman’s commitment to excellence and modern legislation are a few key elements of its performance, particularly in capital markets and investments. Alongside this, Cayman is strengthened by close connections to the United Kingdom. Cayman has also remained the leading jurisdiction for international hedge funds, as around 85% of the world’s hedge funds are currently located here. Cayman is the number one domicile for healthcare and group captives, and continues to excel globally in banking, capital markets, trusts and fiduciary services. As one of only four countries outside of the G20 to hold a position in the top 25 Global Financial Centres in the world, it is not surprising that The Banker magazine named Cayman as the world’s Top Specialised Financial Centre in 2017, and in 2018 the Top Financial Centre in Latin America. Industry awards such as these highlight the jurisdiction’s success in achieving legislative and regulatory balance, while creating innovative financial solutions for global clients. Beneficial Ownership The Cayman Islands is a strong partner in combatting global financial crime. The jurisdiction has implemented the highest global standards for transparency and cross-border co-operation which are regularly

New & Planned Laws for 2020 In 2019, the Cayman Islands Minister of Finance released the ‘Strategic Policy Statement 2020’, outlining the success of recent legislative changes, and announced changes yet to come. Proposals, some of

which have already been implemented, include legislation to (1) promote foreign investments and nurture international relations with the new Ministry of International Trade (2) investment in aviation and maritime affairs (3) increase funding to Cayman’s National Insurance Company to continue to provide health insurance, and (4) to enhance the financial services so that they can keep up to date with any changing international regulations. There are also proposals designed to support Caymanian workers and make Cayman a more attractive place to live. Proposals include an anti-litter campaign, and enforcement of the litter laws, as well as making the National Community Enhancement Project happen biannually instead of annually to support unemployed Caymanians whilst improving communities. Alongside this, the Government proposed a Fair Employment Opportunities Commission, and has agreed to work with the private sector to ascertain the future needs of Cayman’s businesses, and ensure that Caymanians have training opportunities to build the skills that will enable them to fill the roles provided by these businesses. A proposal for a review of the minimum wage has also been announced following the Occupational Wage Survey. Among CIG’s recent legislative successes: Trade and Business Law requirements have been reduced, alongside the renewal process being moved online for ease and efficiency of business owners renewing their licences. 4,800 small businesses benefited from the reduced

fees for small businesses in 2018, and the revised Trademarks Law resulted in trademark registrations doubling from an annual average of approximately 300 to 600 in a 12 month period. In an effort to move with the times and follow the ever-evolving global financial sector, CIG has proposed opening a Government Office in Hong Kong. The Hong Kong office will strengthen Cayman’s existing ties with the region, and provide a gateway for other Asian business, including benefiting the tourism and financial services industries. The Economic Substance Law was implemented in 2019, requiring entities registered in Cayman (Relevant Entities, conducting Relevant Activities) to show that they maintain adequate expenditure, premises and employees in the jurisdiction. The legislation does not affect domestic companies, investment funds, or companies that are tax resident outside of Cayman. Changes to the Companies Law reduced official procedures and costs for non-profit organisations including charities, churches, and sports and youth clubs. Administration fees have been cut drastically from CI$500 to CI$25, and application fees have been cut by 70%, from CI$1000 to CI$300. The Cayman Islands Government is working on improving the jurisdiction’s AntiMoney Laundering and Counter-Financing of Terrorism (AML/CFT) regime to address the recommendations detailed in the fourth round of the mutual evaluation report set out by the Caribbean Financial Action Task Force (CFATF). A Government task force, chaired by the Premier, has been formed and

The Caribbean Club is hands down the best boutique hotel in the Caribbean. It’s ideal for the discerning business professional, families or couples looking for class and elegance.



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2 C AY M A N - A G LO B A L F I N A N C I A L C E N T R E

reviewed and enhanced. In 2017, the Cayman Islands passed legislation to establish a centralised platform for beneficial ownership information. The Limited Liabilities Company (Amendment) Law requires limited liability companies incorporated in the Islands to establish and maintain beneficial ownership registers which may be searched by a competent local authority. The Companies Management (Amendment) (No.2) Law 2017, ensures that local corporate service providers, under the supervision of the Cayman Islands Monetary Authority (CIMA), establish and maintain beneficial ownership registers on behalf of their clients. The commencement date for the legislation was 1st July 2017. In May 2018, changes were made to the UK Sanctions and Anti-Money Laundering Bill requiring British Overseas territories to create a register of beneficial ownership that can be accessed by members of the general public by the end of 2020. If by 2020, the registers are not public, the UK Government will issue an order requiring them to be public by 2023, the year chosen by the then Prime Minister, David Cameron, for the worldwide sharing of beneficial ownership information. The Cayman Islands Government’s position is that when public registers of beneficial owners is the global standard, the Cayman Islands will continue to operate a fully accessible register that complies with requests for information made by the UK authorities and foreign tax and law enforcement agencies. This sharing of beneficial owners information is being done pursuant to the numerous channels of information exchange, such as the Exchange of Notes (EoN) agreed and signed with the UK Government. Cayman Finance, which promotes the Islands’ financial services industry, strongly endorses Cayman’s existing world-class verified beneficial ownership regime, which has been in place for more than 15 years.

consists of members from several government departments. Legislative revisions to Cayman’s AML/ CFT regime are already taking place. As of July 2019, Government has passed 14 new laws to address the March 2019 report.



Legislation to Meet Client Needs Cayman’s regulatory framework is continuously enhanced to ensure it meets the needs of licencees and their clients. In addition to legislative changes to allow the funds sector the scope to participate in the EU’s Alternative Investment Fund Managers Directive (AIFMD), Cayman has taken the lead in raising standards of corporate governance across the financial services sector, which is one of the main priorities for global market participants. In 2016, a new financial product, Cayman Islands Limited Liability Company (LLC), was introduced at the request of US clients. US clients have long demanded a vehicle more closely aligned with their onshore corporate framework, in particular the Delaware LLC, resulting in widespread applications and increased structuring options for investment funds. UK’s Vote to Leave EU (Brexit) In June 2016, the UK held a referendum where voters indicated that the country should leave the European Union (EU). As a result, the UK Government has committed to leave the EU by 31 October, 2019. Although the Cayman Islands is an overseas territory of the UK, it is not part of the EU. Industry believes there will be no immediate impact on the Cayman Islands as a result of the referendum outcome and is satisfied that its strong working relationship with the UK and business partners in the region will remain the same. Cayman’s financial services industry is strong, agile, and resilient and has weathered past global economic change. The industry will continue to monitor the political and economic situation and plan for the long term to ensure it is prepared for any implications the decision may have over the next few years.




Cayman’s Financial History On the dark and moonless night of the 8th of February 1794, a navigational error resulted in ten British ships, including a Royal Navy vessel, being wrecked on the treacherous coral reefs off East End, Grand Cayman. Local people saved everyone aboard the ships, including, so the story goes, a royal prince. When Britain’s King George III heard of this act of gallantry, he is said to have decreed that the people of the Cayman Islands should forever be free from taxes and war conscription. There is no doubt that the Wreck of the Ten Sails actually took place, but there is no documented evidence of the royal decree, however, this has not stopped the story from becoming one of Cayman’s favourite legends. The real reason for the Cayman Islands being a tax-free jurisdiction is rather more prosaic. Until the mid 1960s, the population was less than 8,000 and most Caymanians made their living from subsistence farming, fishing, turtling, schooner building and making thatch-rope, while many of the men served as merchant seamen on oceangoing ships, usually flying the American or Liberian flag. This basically meant that most of the residents in Cayman were living on meagre earnings, there were few companies and capital gains were virtually non-existent, so there was nothing worth taxing. But in 1952, an aircraft runway was constructed and the following year Barclays Bank opened a branch in Grand Cayman. In fact, Cayman’s status as an international financial centre derives from the foresight of some early legal practitioners and a receptive Government who, in the mid 1960s, together drafted and enacted legislation to build on this modest beginning. In the following decades, more international banks were attracted to Cayman, together with law and accounting firms. When the Bahamas became independent from the UK in 1973, a number of expatriate workers from that jurisdiction were attracted to Cayman as a stable place to do business. Cooperation between the Government and the private sector has continued to this day. This, combined with a policy of welcoming

expatriates with special skills to the Islands and a population of well-educated Caymanians, has kept Cayman in the forefront of the international financial industry. Jurisdiction of Choice To be successful in this competitive industry requires political and economic stability, tax neutrality, a responsive legal system, a stable banking environment, a sound regulatory regime, absence of exchange controls and the presence of highly sophisticated service providers. All these factors, as well as Cayman’s status as an overseas territory of the United Kingdom and its international cooperation regimes in the areas of tax information exchange, regulation and law enforcement, provide the necessary level of confidence to ensure a hospitable financial environment. That confidence is built on Cayman’s status as a transparent, cooperative jurisdiction that already meets or exceeds the full range of globally-accepted standards for transparency and cross-border cooperation with law enforcement and tax authorities. Cayman became an early adopter of automatic data exchange, signing onto agreements such as the EU Savings Directive, OECD’s Common Reporting Standard, U.S. FATCA, and country-by-country reporting principles under BEPS. The OECD’s Global Forum in 2017 assessed our jurisdiction to be “largely compliant” with the international standard for transparency and exchange of information, the same rating given Germany, Canada and Australia. This commitment to the highest standards is why Cayman continues to attract service providers such as lawyers, accountants and administrators of the highest calibre, making the jurisdiction attractive to foreign investors. The wealth of international expertise available in Cayman is one of the key factors making Cayman a jurisdiction of choice. Clients have access to a wide array of services, including trusts, structured finance, insurance, banking, reinsurance, company and asset management, vessel and aircraft registration, and stock exchange listings.

skilled professionals and is one of the most prominent employers on the Island. Cayman Islands’ banks are bound by strict antimoney laundering laws, which together with Know-Your-Customer (KYC) regulations, are recognised as meeting or exceeding those of all major onshore jurisdictions. The 133 banks licensed in Cayman are split into A and B classes, with the former licence permitting banks to carry out local and international business. There are currently 10 Class A licensed banks in the Cayman Islands, with six of those carrying out retail services. The other 123 banks hold Class B licences and are mainly restricted to offshore transactions with non-residents. Of the 133 banks licensed in Cayman in the second quarter of 2019, 24 are from Europe, 22 from the USA, 22 from the Caribbean and Central America, 22 from Asia and Australia, 13 from Canada and Mexico, 28 from South America and two from the Middle East and Africa. To see a list of the banks licensed in the Cayman Islands visit www.cima.ky.

Taxation ‘Tax haven’ is a phrase that is often thrown around in the media and politics, and incorrectly assigned to the Cayman Islands. Cayman does not meet any of the tax haven definitions set out by the OECD, Transparency International or Tax Justice Network. It does not offer tax incentives designed to favour non-resident individuals and businesses. Cayman has an effective tax system whereby total government tax revenues, as a percentage of GDP, are similar to tax rates in G20 countries and sufficient to fund government operations. This makes additional taxes unnecessary. Cayman does not have differing tax rates for foreign entities. Cayman does not have legal mechanisms or treaties (such as double taxation agreements) in place with other countries to legally transfer tax bases from one country to another in order to aggressively reduce taxes. Cayman does not promote itself as a jurisdiction for aggressive tax planning. Cayman offers


A Cayman corporate law rm providing outstanding client service on investment funds, mergers and acquisitions, capital markets, private equity transactions, corporate nance, and corporate matters including for Blockchain and digital assets related projects.

Loeb Smith Attorneys



www. c a y m a n r e s i d e n t . c o m


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Banking Regulated by the Cayman Islands Monetary Authority (CIMA), banking in the Cayman Islands is a major part of Cayman’s financial sector, with 133 banks licensed as of June 2019. The total international (cross-border positions in all currency and domestic positions in foreign currency) assets and liabilities were reported as US$672 billion and US$674 billion respectively in December 2018. Cayman is ranked 12th internationally in terms of cross-border assets and also 12th for cross-border liabilities. The majority of these banks are branches, subsidiaries and affiliates of established international financial institutions conducting business in the international markets. More than 80% of those international assets represent inter-bank bookings between onshore banks and their branches, subsidiaries, affiliates and other Cayman Islands’ licensed banks. A testament to the worldwide recognition of the quality of Cayman’s financial industry is the fact that over 40 of the world’s top 50 banks hold licences in Cayman. The banking sector hires highly



no tax incentives designed to favour nonresident individuals or businesses. Cayman signed its first Mutual Legal Assistance Treaty with the USA in the 1980s and has tax information exchange agreements with 36 jurisdictions; the Multilateral Convention on Mutual Administrative Assistance in Tax Matters, which allows tax information exchange with more than 90 countries; automatic data exchange as part of the European Union Savings Directive; and has adopted US FATCA, UK FATCA and the OECD’s Common Reporting Standard. International policy makers continue to recognise the vital role Cayman’s financial services industry plays as a strong international partner in combatting corruption, money laundering, terrorist financing and tax evasion. Investment Funds The prominence of hedge funds (or ‘mutual funds’ as defined in the Mutual Funds Law) in the Cayman Islands and the growing investment interest in them by institutional and sophisticated and/or high net worth investors has steadily increased in recent years. Since the enactment of the Mutual Funds Law in 1993, the Cayman Islands funds industry has grown from small beginnings, to become the jurisdiction of choice for new fund authorisations by investment managers, representing over US$1.8 trillion in net assets. Even in these uncertain times, the Cayman Islands funds industry remains robust, not only in terms of new fund formations, but also in net assets held by those funds. In the second quarter of 2019, there were 10,959 either licensed, registered or administered with CIMA. In June 2019 the Securities Investment Business (Amendment) Law, 2019 was passed. This recent amendment enhances the regulatory and supervisory framework for securities investment business in the jurisdiction. Persons currently registered as Excluded Persons will be required to re-register and be subject to regulation and supervision by CIMA. The Law now 32



distinguishes between a registered person and that of a non-registrable person. Additionally, the Cayman Islands have taken steps designed to facilitate the extension of the AIFMD third country passport to the Cayman Islands. In 2015, there were the approval of new AIFMD Regulations along with amendments to the SIBL and the Mutual Funds laws. Obtaining the passport would allow Cayman-based funds to be marketed across the EU and eliminate reliance on private placement in each EU member state individually, through the National Private Placement Regime. The success of the Cayman Islands is not due to one factor alone, but to a number, including its reputation, freedom of investment decisions for hedge fund managers, tax-neutral status, a highly regarded legal system and the availability of professional service providers. The mutual fund industry is an important part of the Cayman Island’s economy, employing hundreds of people directly. These advantages will ensure that Cayman will continue to lead the way as the jurisdiction of choice for hedge funds. Insurance Legislation The enactment of the Insurance Law 2010 (the ‘Insurance Law’) was a result of public and private sector collaboration in an effort to improve the regulation of insurance business in the Cayman Islands, enhance protection for domestic consumers and open new frontiers of business development. The main provisions of the Insurance Law include two new categories of insurer licences – Class C (Special Purpose Vehicles) and Class D (Reinsurers). It also includes whistleblowing provisions, enhanced domestic policy holder protections and provides for increased penalties and regulatory powers by CIMA. In March 2013, Cayman introduced incorporated cell legislation for segregated portfolio insurers with the enactment of the Insurance (Amendment) Law. The Insurance (Amendment) Law confers

several advantages over the existing law, such as allowing a portfolio insurance company the flexibility to transition to a standalone captive unlike an unincorporated cell. The Insurance (Portfolio Insurance Companies) (PIC) Regulations 2015 were therefore brought into force on 16 January 2015, along with related sections of The Insurance (Amendment) Law 2013. These regulations enhance the insurance statutory framework, providing more alternatives to risk management by enabling insurers, incorporated as Segregated Portfolio Companies (SPCs), more flexibility. Captive Insurance The Cayman Islands remain one of the leading jurisdictions for captive insurance in the world, with 121 group captives totaling over US$3 billion in premiums in the second quarter of 2019. This shows a consistent increase since the end of 2018. Healthcare captives remain an area of strength and represent nearly one third of captive insurance companies in Cayman. The international insurance industry is primarily made up of companies insuring risks in North America, representing about 90% of the market. However, in the second quarter of 2019, the total number of international captives fell to 657 after the high of 703 at the end of 2018. With 227 licencees, Medical Malpractice Liability (MML) represented approximately 33% of captive licences as of March 2019 and continues to make up the largest line of business within the insurance sector. The second largest line of business proved to be worker’s compensation, with 152 licencees and 22% of companies assuming risk. Total assets for the entire captive industry in Cayman equated to approximately US$64.31 billion as of 30th June 2019. Reinsurance Although the reinsurance industry is relatively small in the Cayman Islands when compared to Bermuda, it has shown evidence of continued growth over the last few years, and remains an area for further growth in 2019. Reinsurance represents

and expedited licensing procedures. Alternatively, senior management personnel of reinsurance businesses, as well as other categories of financial services professionals, are eligible for a 25 year residency rights certificate under the Immigration Law (2015 Revision). The holder of a Residency Certificate (Substantial Business Presence), which is valid for a renewable period of 25 years, is entitled to reside in the Cayman Islands and to work in the business in which they are an owner or are employed in a senior management capacity in an occupation approved by the Chief Immigration Officer (without a work permit). The spouse and dependent children of the Certificate holder are also allowed to reside in the Cayman Islands. Domestic Insurance The number of Class A insurance companies operating in Cayman totals 27 as of March 2019. The insurance sector in

the Cayman Islands remains robust. As of 31st March 2019 the total premiums were reported at US$15.4 billion and the total assets were US$68.95 billion. Trusts As a global centre of excellence for trusts, the Cayman Islands financial sector has serviced international clients for decades with what is the most flexible instrument for wealth structuring and estate planning. The Cayman Islands trust law is derived from an amalgamation of common law and equity, English statutes and local statutes that have become a blueprint for trust law in many other jurisdictions. Trust legislation is supported by a strong and highly regarded local and independent judiciary, court system and legal community. Public and private sectors are continuously reviewing and updating key legislation so that it remains current, viable and relevant in a global context, and also creating new legislation to meet ongoing needs. The Cayman Islands Law Reform


cayman islands insurance association

We provide security to Cayman, every day. The CIIA unites the Cayman Islands’ insurance industry to create and maintain the highest standards of service, ethics, transparency, communication and good practice in all aspects of insurance. We work with our members to ensure that people, homes and businesses in the Cayman Islands are well-protected. For a list of CIIA accredited members, brokers or agents visit www.ciia.ky.


www. c a y m a n r e s i d e n t . c o m


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9.10% of Cayman’s international insurance industry with a total of 60 licences in the second quarter of 2019; its total assets equating to US$20.5 billion. The ongoing improvement of the industry was evidenced by a reinsurance subsidiary of a large New York-based private equity firm taking advantage of the new Insurance Law to migrate from a Class B captive licence to a Class D open-market licence. By drawing a distinction between reinsurance and captive insurance and by offering effective regulation and competitiveness, the Cayman Islands are in a strong position to attract substantial reinsurance business either through new enterprises establishing themselves here or those re-domiciling from elsewhere. The anticipated benefits to be offered to attract business and personnel to Cayman’s shores include “Special Economic Zone Treatment” of reinsurance businesses and their staff. This will mean exemptions from many immigration restrictions



Commission conducted a review of the Trusts Law and the subsequent recommendations. This work was largely the basis for the Trusts (Amendment) Law, 2019. The amended Law enhances the competitiveness of the jurisdiction’s trust framework by empowering the Cayman court to set aside the mistaken exercise of fiduciary power and to approve compromises in trust litigation. The Court is also provided with powers to vary trusts where there would be no detriment to that beneficiary, and inserts a new provision to allow the Grand Court to make rules to give effect to provisions within the Law. The amended Law also bolsters the protection of Cayman trusts under the existing “firewall” provision by including a provision that beneficiaries of Cayman trusts are excluded from being deprived of rights under the Cayman trust by virtue of a foreign law. Another important part of the jurisdiction’s trust framework is the Banks and Trust Companies Law (2018 Revision). This Law was amended in 2019 (the ‘Amendment’) to give the Cayman Islands Monetary Authority (CIMA) more responsibility and control in the regulation of the trust industry. The Amendment requires more frequent reporting by licencees to CIMA, and gives CIMA the power to reject licence applications that do not fulfill requirements. The Amendment also requires the regulation of the licencee’s minimum net worth to ensure that it is maintained on both a solo and consolidated basis, and that the capital and other prudential requirements are met. Other provisions to modernise and strengthen Cayman’s position as a leading trust jurisdiction were made in the context of a continued focus on compliance in the world of finance. With steady and dependable growth, trusts remain an important component of the financial services industry in Cayman. According to CIMA, as of 30th June 2019, there were 145 Active Trust Licences, of which 58 were Full Trust Licences, 58 were Restricted Trust Licences and 29 were Nominee (Trust) Licences. 34



Companies & Partnerships The Registry of Companies in the Cayman Islands (the ‘Registry’) shows a total of 109,818 active companies registered as of Q2 2019. Company incorporations are a thriving part of Cayman’s financial services. Governed by the Companies Law (2018 Revision as amended), the Registry also registers limited partnerships and segregated portfolio companies. There are many highly qualified professional firms licensed to provide company services in the Cayman Islands and the provision of these services is a regulated activity requiring either a Trust licence or a licence under the Companies Management Law. In addition to incorporation and management of ordinary and exempted companies and the establishment of limited and exempted limited partnerships, these firms provide services such as registered offices, principal offices, directors, officers and nominee shareholders, as well as the maintenance of corporate records, accounts and financial statements. Limited and exempted limited partnerships benefit from Cayman’s tax neutrality, requiring only taxes from the owner’s home jurisdiction. Other advantages include a reputable legal regime, realistic reporting requirements, flexible corporate structures and an expedited registration process. The Cayman Islands Exempted Limited Partnership Law was enacted in July 2014. It introduced changes intended to simplify, clarify and add flexibility to the establishment and ongoing operation of Cayman exempted limited partnerships. Other newly created structures include the Limited Liability Company, which is a corporate entity with separate legal personality and limited liability of its members with the flexibility to allocate profits and losses similar to a partnership. The Exempted Limited Partnership Law (2018 revision) allows the formation of limited partnerships for offshore investors with minimum delay, but the partnership is not able to participate in any public business in Cayman except for the bare

minimum necessary to carry on business off Island. In 2017, legislation was also passed to allow for the establishment of Limited Liability Partnerships, which offer a separate legal personality and affords limited liability to all its partners while retaining the flexibility of a partnership. The Limited Liability Partnership (Amendment) Law, 2018 will be enacted in late 2019. The amendment ensures that LLPs are subject to the beneficial ownership provisions as agreed in the Exchange of Notes signed between the Cayman Islands and the UK in April 2016. Structured Finance Several of Cayman’s law firms specialise in capital markets and structured finance transactions for international clients. The Cayman Islands have become one of the world’s leading providers of Special Purpose Vehicles (SPVs) for structured finance transactions and are recognised by the international rating agencies as the predominant jurisdiction for rated debt capital market transactions. SPVs are often used in securitisation transactions which involve the acquisition of financial assets by the SPV and the subsequent issuance of securities to institutional investors. The attraction of the Cayman Islands for investors in securities issued by Cayman Islands SPVs includes statutory recognition of bankruptcy remoteness, tax neutrality, creditor-friendly legislation and the large number of sophisticated professionals in the legal, accounting and fiduciary sectors. Collateralised Loan Obligations (CLO) The Cayman Islands is continuing to be the domicile of choice for US CLO managers. CLOs securitise assets, typically leveraged loans, by pooling them together and paying out income and principal repayments from the pool to note holders. CLO investors buy tranches of a transaction with specific seniority and payout structures, hence taking different degrees of risk. CLOs have made a comeback after the financial crisis as they offer investors the opportunity to

access leveraged loans at attractive yields. As reported by leading industry publications, including Creditflux and Leveraged Commentary & Data, approximately 286 deals were priced during 2018.

Business Conferences in Cayman Cayman hosts a plethora of notable business and industry conferences throughout the year. These conferences attract a broad cross-section of the professional and business community and well-recognised guest speakers cover local and global events, pertinent financial and political topics and technological advances. A few of Cayman’s premier business conferences include: The GAIM Ops Cayman conference, which is the largest hedge fund operational due diligence, compliance and risk management event. The next conference is due to take place the 19th-22nd April 2020. The Cayman Captive Forum attracts over a thousand specialists each year to discuss issues most pressing to the captive insurance industry. It will be held the 3rd5th December 2019. The International Wealth Structuring Forum hosted by STEP, Cayman Islands

Branch which will now be an annual event on the private client calendar. It features over 40 speakers and international trust experts. This conference will be held from the 23rd–24th January 2020. Others include the Cayman Alternative Investment Summit (CAIS), and the Cayman Islands Digital Economy Conference (CYDEC). Between October 2019 and November 2020 six medical conferences are being held in Cayman. Cayman Finance Cayman Finance’s mission is to protect, promote, develop and grow the Cayman Islands financial services industry through cooperation and engagement with domestic and international political leaders, regulators, organisations and media; to promote the integrity and transparency of the industry by legislative and regulatory enactment and to encourage the sustainable growth of the industry through excellence, innovation and balance. For more information visit


Offshore legal services Experience with agility

We provide best-in class, no-nonsense legal advice. Whether working with financial institutions, corporate clients or high net worth individuals, we focus on the client experience and maximising value. Our clients tell us that’s what they love about doing business with us. Ian Jamieson, Partner +1 345 949 0488 ian.jamieson@bedellcristin.com




www. c a y m a n r e s i d e n t . c o m


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Independent Directors in Cayman A growing sector of Cayman’s financial services industry is the provision of independent directors. During the global financial crisis it became apparent that independent directors from the Cayman Islands were indispensable when hedge funds were faced with making difficult decisions. In particular, they ensured that all decisions were made in accordance with the fund documents and that all shareholders were treated fairly. This has not been lost on the institutional investors who are, for the most part, making it one of their investment requirements that there is an independent board of directors. It has now become common place that all new hedge funds have at least a majority of independent directors on their boards. On 4th June 2014, the Cayman Islands Government approved the Directors Registration and Licensing Law (DRLL) 2014, which required all directors of mutual funds regulated under the Mutual Funds Law (2015 Revision) and directors of companies registered as excluded persons under the Securities Investment Business Law (2015 Revision), to register with CIMA. These Laws provide for the registration and licensing of individuals or companies appointed as directors of Cayman Islands mutual funds and entities carrying out securities investment business, which would include Cayman Islands incorporated or registered investment managers. The Law requires an individual acting as a director on 20 or more entities to apply for a professional director’s licence unless they meet certain caveats. Professional directors are required to have insurance with a minimum aggregate cover of $1m and minimum cover of $1m for each and every claim. An amendment to the DRLL was passed earlier this year as a consequence of

amendments to the Securities Investment Business Law (SIBL).



Cayman Islands Stock Exchange (CSX) CSX is a well-established and internationally recognised stock exchange, which is a member of the Intermarket Surveillance Group, an affiliate member of the International Securities Commission (IOSCO) and has been granted recognised status by the UK HMRC, which enables UK resident investors to receive interest and dividend payments without the deduction of withholding tax. It provides a specialised and well-regulated listing and trading facility for mutual funds, hedge funds, structured debt securities, Eurobonds, Shariah compliant products, preferred shares, depository receipts, derivative warrants and local and international equity. To attract fund listings from other jurisdictions, non-Cayman listing agents may now be appointed. Cayman Islands Department of Commerce and Investment (DCI) The Cayman Islands DCI is responsible for the grant and regulation of licensing for most business in the Cayman Islands. This includes the administration and issuance of Trade & Business Licences, Local Company (Control) Licences, Tobacco Permits, Liquor Licences, Public Film Exhibition Premises Licences, and Special Economic Zone Company Licences. For more information see their website on www.dci.gov.ky. Cayman Islands Insurance Association (CIIA) The Cayman Islands Insurance Association (CIIA) was established in 2004 to bring all the insurance associations representing the industry in the Cayman Islands under one umbrella. CIIA advises on insurance policy and communicates directly with the Cayman Islands Monetary Authority, who regulates the insurance industry, on behalf of industry stakeholders and insurance providers. For more information please see www.ciia.ky. SE E AD PAG E 33




Financial Technology ‘FinTech’ As perhaps one of the most publicly recognised applications of FinTech, cryptocurrencies are virtual currencies that use cryptography to secure and verify transactions, and to control the creation of additional units. But FinTech – a shortened form of ‘financial technology’ – is broader than just cryptocurrencies. FinTech also refers to computer programming and other technology that is revolutionising the delivery of financial services via digital applications, retail banking, and investment markets. The term used by the Cayman Islands Government to describe FinTech is ‘digital assets’. Particularly in recent years, financial services in Cayman have increasingly reflected the value of delivering products and services through digital assets. Some of the digital asset-related activities that take place within Cayman include crypto exchange services, initial coin offerings and fund-issuing tokens that exist in or originate from the Cayman Islands. Government’s position on digital assets is similar to what is found in many other jurisdictions. It is actively developing a framework to regulate digital assets, in order to ensure that any risks associated with such activities are analysed and mitigated, and that any benefits are realised in a manner consistent with a wellregulated financial services jurisdiction. While Government works with CIMA, which is the jurisdiction’s financial services regulator, on the digital assets framework, CIMA has advised investors in the Cayman Islands to be vigilant in all dealings with digital assets. For updates on the Cayman Islands’ digital assets regulatory framework, visit the Ministry of Financial Services website at www.caymanfinance.gov.ky or the Cayman Islands Monetary Authority’s website at www.cima.ky. Currency The legal tender of the Cayman Islands is the Cayman Islands Dollar (denoted CI$) and the sole issuing authority is the Cayman Islands Monetary Authority (CIMA). However, the United States Dollar, with a fixed rate of exchange, is widely used in local finance and commerce. The denominations

consist of $1, $5, $10, $25, CI$50 and a $100 bill. Aircraft Registration The Cayman Islands Aircraft Registry (www. caacayman.com) provides aircraft registration and certification services for aircraft based globally. Based on UK legislation, the Civil Aviation Authority of the Cayman Islands (CAACI) is responsible for safety oversight and the economic regulation of the aviation industry in the country and for all aircraft registered in Cayman. Any person or company wishing to register an aircraft in Cayman must meet the exacting standards of the CAACI. Annual registry fees are based on the weight of the aircraft. Financiers providing financing for Cayman registered aircraft can register their security interest on the Cayman Islands Aircraft Mortgage Register, which is supported by the CI Mortgaging of Aircraft Regulations 2015. Ship Registration The Cayman Islands has a seafaring history that goes back more than a century. This tradition is preserved by the Maritime Authority of the Cayman Islands (MACI) which has oversight of the Cayman Registry and maintains its headquarters in Grand Cayman. The MACI is a first-class international organisation, with a worldwide reputation for excellence and efficiency in global shipping. The registry is staffed by a international team of shipping professionals with many years of experience in the world of international shipping. As a Category One British Registry, the Cayman Registry is qualified to register vessels of all sizes and classes, from yachts to super tankers. In the super yacht range, Cayman is one of the world’s leading offshore luxury yacht registries. Registering your vessel in the Cayman Islands grants you protection and assistance from the UK Royal Navy regardless of location and full British Consular services for all Cayman flagged vessels. Visit www. cishipping.com.


www.cayman.finance, call (345) 623 6725 or email: enquiries@caymanfinance.ky.

Tell them you saw it in the

Investing in Cayman

Photos courtesy of Deep Blue Images, Aaron Rebarchek and Jonathan Sparrow.

Saving and investing in Cayman, including wealth management services, tax considerations and investing in property.

Wealth Management


Saving & Investing in Cayman


Establishing a Trust




Investing in Crypto Assets41 Precious Metals & Secure Storage42


he Cayman Islands’ well-regulated, tax neutral environment is highly regarded internationally. As the world’s leading domicile for offshore hedge funds and one of the largest captive insurance centres, it is predictably the offshore jurisdiction of choice for both private and institutional investors. Cayman’s prominent reputation comes in part from the highly professional and business friendly Cayman-based financial institutions which maintain a close working relationship with the Government. Together they ensure that Cayman continues to foster a transparent and functional financial regime. Included in this chapter are some of the top wealth management advisors in Cayman who can provide expert advice on all the asset classes available to investors, as well as brokerage services that offer deep discounts on online trading. One asset class that remains popular among investors: Cayman property. Real estate is highly sought-after by local and overseas investors as there is no annual property tax. The local property market also continues to become more sophisticated every year. The Island is positioned as one of the top spots in the world for investors to hold high-end property. WEALTH MANAGEMENT

There are a number of different ways to engage in the services of investment advisors based in the Cayman Islands, either through the local office of a global firm or the asset management group of a local financial institution. A local investment advisor will be able to offer expert investment guidance on a personal one-on-on basis in the resident’s time zone. He or she will also be familiar with the asset

Investing in Cayman Property


Investing in Annuities


allocation and types of investments that are appropriate given the resident’s tax status. Most of the retail banks in Cayman have a full range of financial services, and there are an increasing number of specialised financial institutions that advise individuals who are looking for private banking or wealth management facilities. Brokerage firms in Cayman offer a wide range of client accounts and a full suite of products. For example, there is ready access to the full spectrum of offshore hedge funds and funds-of-funds, with choices ranging from low volatility funds to those which are aggressive and specialised. There is access to a wide range of interest bearing securities, structured notes (including equity-linked notes), step-up bonds and Eurobonds denominated in multiple currencies. Investment accounts that are designed to receive monthly contributions are not very common because deferred tax planning is generally not necessary. However, a number of the larger retail banks and brokerage firms can structure traditional brokerage accounts to receive monthly contributions and to invest those contributions in a portfolio of mutual funds.


www. c a y m a n r e s i d e n t . c o m


There are a number of regulated wealth management firms based in the Cayman Islands that offer securities brokerage, along with investment advice and discretionary management services. Most financial institutions offer products and services to meet the needs of investors of all sizes. We recommend contacting a couple of the following companies to discuss your range of options and their minimum requirements. Some of the leading organisations offering wealth management

solutions are listed here:

from your computer, mobile phone or tablet for as low as $6.95/trade + $0.02/share.

BIAS (Cayman) Limited 4th Fl, Piccadilly Center, 28 Elgin Avenue, GT

Blacktower Financial Management

Tel: (345) 943 0003

(International) Ltd.

Email: info@bias.ky or www.bias.ky

Artemis House, 67 Fort Street, George Town

Since 1991, BIAS has provided premium wealth

Tel: (345) 943 0015

management, wealth building and institutional

Email: info@blacktowerfm.com

asset management. Their newest service,


Freedom Trading, is an online share trading

Blacktower works to ensure their clients

service using a state-of-the art investment

receive the financial products and wealth

platform. Easily manage your investments

management services that best advance their financial objectives and circumstances. From pension planning and pension transfer


schemes to savings, investments and tax

Enjoy the premier Cayman lifestyle 3

planning, Blacktower specialists can help you ensure your money works for you. SE E AD PAG E 40

Butterfield Bank (Cayman) Limited 12 Albert Panton Street, George Town Tel: (345) 949 7055


investments.cayman@butterfieldgroup.com www.butterfieldgroup.com Services offered: Private banking, asset management, trusts and estate planning, custody services and lending solutions. SE E AD PAG E S 57 & 109

Cayman National Bank Ltd. Suite 6201, Forum Lane, Camana Bay Tel: (345) 949 4655 domesticpremierbanking@caymannational.com www.caymannational.com Services offered: Premier savings and chequing accounts, lending services, merchant services, payroll services, online banking, Visa Infinite and Business cards, a dedicated relationship manager, priority processing on all applications. SE E AD T H I S PAG E & PAG E 9

CIBC FirstCaribbean International Bank FirstCaribbean house, George Town

Get the most out of life with our Visa Infinite credit and debit cards! Offers also include preferential rates on car loans, mortgages and overdrafts. Talk to our Premier Banking Team members today at Camana Bay or email us at DomesticPremierBanking@caymannational.com

Tel: (345) 949 7300 www.cibc.com/fcib A subsidiary of

We all look forward to serving you!


Discretionary Portfolio Management and CIBC Bank and Trust Services for estate planning and tax-optimisation strategies appropriate



Services offered include Private Banking,


for your circumstances. SE E AD PAG E 110

Fidelity Bank (Cayman) Ltd.


Scotiabank & Trust (Cayman) Ltd.

Cayman Financial Centre, Dr. Roy’s Drive

RBC’s Grand Cayman based professional

Scotia Centre, 18 Forum Lane, Camana Bay

Tel: (345) 949 7822

advisors provide custom-designed portfolio

Tel: (345) 949 7666

Email: info@fidelitycayman.com

management and advice using a complete


range of global investment opportunities,

Services offered: Private banking, asset


protection, financial planning, competitive

investment strategy. Build and protect your

pension plan and lending solutions.

wealth with personalised advice backed by the

SE E AD PAG E S 46 & 309

strength and experience of Canada’s leading




wealth management firm. International Financial Planning (IFP)


Grand Pavilion, West Bay Road



Working in Cayman can be particularly rewarding as earnings and any gains from investments are tax-free. Nevertheless, as the Cayman Islands are a tax neutral jurisdiction, it is strongly recommended that all new residents looking for employment here take the following steps:

Tel: (345) 769 5352 Email: enquiries@ifp.ky www.ifp.ky

RBC Dominion Securities Global Limited

IFP is an independent financial planning company with offices in Bermuda, the Cayman Islands and the British Virgin Islands. They provide impartial, independent investment advice and advise clients on a range of strategies best suited to them. Specialists in tax neutral retirement planning, regular

Local knowledge. Global expertise.



savings and portfolio management, IFP can help you plan for a better financial future. SE E AD PAG E 41

Liberty Wealth Partners Ltd Fort 51, Fort Street, George Town Tel: (345) 516 2695 Email: hello@libertywealth.ky www.libertywealth.ky Liberty Wealth is a fee-only comprehensive wealth management firm, offering holistic financial planning and investment management services. Liberty Wealth guides you to financial freedom and true peace of mind through a wealth management process that goes far beyond investments. NCB Cayman Tel: (345) 949 8002

Onshore or offshore, our clients receive exceptional service, world-class advice and investment management. To find out how we can do the same for you, and help you reach the goals that matter in your life, contact us at:

345-949-4066 rbcdscayman@rbc.com www.rbcdscayman.com

RBC Royal Bank (Cayman) Limited Royal Bank House, 24 Shedden Road, 2nd Floor Tel: (345) 949 4600 ext. 69036 Email: antonette.baptist@rbc.com www.rbc.com/caribbean RBC Dominion Securities Global Limited 4th Floor, Royal Bank House, 24 Shedden Road

RBC Dominion Securities Global Limited is a foreign affiliate of RBC Dominion Securities Inc. RBC Dominion Securities Global Limited is regulated by the Cayman Islands Monetary Authority. RBC Dominion Securities Global Limited is a member company of RBC Wealth Management, a business segment of Royal Bank of Canada. ® / ™ Trademark(s) of Royal Bank of Canada. Used under license. © 2019 RBC Dominion Securities Inc. All rights reserved. 19_93097_035

Tel: (345) 949 4066


www. c a y m a n r e s i d e n t . c o m


1) Seek tax advice in your home country. The

Cayman Islands, a local bank account should

not protected if a bank should be declared

tax authorities in Canada, the UK and the US

be established. This will enable you to have


treat income differently when their residents

a cheque book and a debit card. Local ATMs

are physically working outside of the

accept both local and foreign debit and

investment account. This will enable new

country. All newcomers to Cayman should

credit cards. A note regarding chequing

residents to take advantage of some of

determine if it is advantageous to transfer



the other services that banks offer, such

savings and investments to Cayman or

significant monthly and transaction fees on

as investment advice, brokerage services

keep them at home. It is also very important

chequing accounts unless fairly significant

and, for those with significant assets,

to determine how long you need to be a

average balances are maintained. Certain

discretionary investment management.

non-resident before securing tax-free

banks for example, point out to new

4) Arrive prepared to meet local requirements

benefits, if it is possible at all. Tax legislation

customers that the bank maintains the

for establishing banking and investment

is continually changing, so it is imperative to

payment details of several hundred local

relationships. Local due diligence calls

have the latest information before making

merchants and service providers. This,

for having readily available (original)

decisions on investing. For example, in the

together with easily accessible online

documents that confirm the personal

UK you have to be a non-resident for one full

banking, can mitigate the need for having

identity and other particulars of an

tax year in order to avoid tax on income. US

a chequing account, since bills may be paid

applicant. The requirements vary with

citizens are liable to be taxed on worldwide

electronically. In this instance, customers

each institution, but generally include

income, irrespective of where that income

are granted savings accounts in either US$

two forms of identification, confirmation

is physically earned, although you may

or CI$. (Note: banks in Cayman are strictly

of residential address, a bank reference,

be eligible for a foreign earned income

regulated by the Government-run Cayman

professional reference (both addressed to

exclusion, which is adjusted each year based

Islands Monetary Authority (CIMA), which

the bank in Cayman) and evidence of the

on the inflation rate. Canadian citizens have

has the regulatory and oversight functions

source of funds. For a full and detailed list of

to prove that they have severed ties with

of a central bank. There is no equivalent

requirements see the Money and Banking

Canada to avoid paying tax.

in Cayman to the US Federal Deposit

section of the Settling In chapter.



2) As soon as is practical after arrival in the




Insurance, which means that deposits are

3) Consider





5) If planning to return to a country that is not US$ denominated, consider converting CI$ or US$ denominated earnings to the home country currency on a regular basis. If all of your savings are in CI$ and you only convert it upon returning to the home country, it is possible that exchange rates could move adversely and negatively impact the value of your savings once converted into your home currency. 6) Factor into investment planning an eventual return to the home country. At that time, it’s not advisable to liquidate all investments held locally and repatriate the funds. To make the appropriate decision at that time, it is very important to be fully aware of your individual tax situation and what you are legally allowed to do. Whilst in Cayman, it may be advantageous to establish a Cayman-registered company or Caymanregistered trust to own investments; these could potentially provide tax advantages upon returning to the home country. Most local banks in the Cayman Islands have a trust department that can provide expert guidance and they will advise on the best strategy based on each client’s personal




situation. However, please see the Domicile &

and private trust companies.

Tax section on our Cayman Resident website

SE E AD T H I S PAG E & PAG E S 42 & 64

before establishing a trust, as you might trigger inheritance tax if it is done too soon. ESTABLISHING A TRUST

SMP Partners (Cayman) Angella Williams-Myers, Senior Trust Manager Royal Bank House, Third Floor, 24 Shedden Road, George Town Tel: (345) 814 4814 Email: angella.williams-myers@smppartners.ky Cayman is one of the world’s top tax neutral

The financial service industry in Cayman is well positioned to support this new decentralised economic model, and the Cayman Government is working hard to analyse and develop sensible measures for blockchain innovation to thrive. It is widely speculated that this new technology has the potential to disrupt the current

(i) Purchase: Open an exchange account (e.g. Bitfinex, Gemini, CoinBase or Bitrex) and fund your account with a fiat currency. (ii) Transfer: The most secure way to store crypto assets is within an application known



With a well-regulated financial industry that is guided by modern and regularly updated legislation, the Cayman Islands is one of the world’s top tax neutral jurisdictions to establish a trust. Trusts in Cayman not only benefit from a politically stable government but there are also no capital gains, income, profit, corporation or withholding taxes. Cayman’s Government also ensures that if the tax status in the country were to ever be changed, a trust that is registered as an ‘exempted trust’ would remain tax-free for up to 50 years. A variety of flexible trust structures can be set up in the Cayman Islands to provide asset protection and estate planning. And many of the top legal firms in Grand Cayman have a proven track record in commercial and private trusts including trust formation and establishing private trust companies. These firms also advise on the regulatory and operational requirements related to various trust structures. Turn to page 53 in the Working in Cayman chapter for a comprehensive list of legal firms that can help you to establish a trust and also manage any disputes related to existing trusts. Alternatively SMP Partners can help you with this.


global economic model by providing a more efficient engine for the flow of assets across borders. In these early stages the process of investing in crypto assets is still being fine-tuned, but the basic procedure is to (i) purchase, (ii) transfer, and (iii) store a crypto asset(s).

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Whatever your financial destination, IFP’s advisers can get you there

jurisdictions to establish a trust due to its well-regulated financial industry and regularly updated legislation. With a team of specialists, SMP Cayman can assist in setting up a variety of bespoke, flexible trust structures to protect family or corporate assets, provide estate planning and optimise your wealth. Specialist areas include bespoke wealth protection, complex capital market and securitization

If you've just arrived in Cayman, setting up a bank account is only the first step in securing your financial future. Talk to an independent financial advisor at IFP today for advice on any pensions you may have left behind and how to best structure your financial future in Cayman. Call us at +345 769 5352 or email enquiries@ifp.ky


transactions, estate and succession planning,


www. c a y m a n r e s i d e n t . c o m


as a wallet. Popular examples include Electrum or Bitcoin-Core for Bitcoin, MetaMask for Ethereum and Ledger or Jaxx for a multiple crypto asset storage solution. The wallet has a deposit button which appears to be a random set of characters, known as your public key (think ‘user name’). The exchange will have a withdrawal function, requiring your public key to send the crypto asset to your wallet. Once the transaction is executed on the exchange, a global network of computers (the decentralised ‘governance’, so to speak) will process the transaction and publicly confirm its successful completion. (iii) Store: Your crypto asset is now stored in your wallet, for you to make purchases to another wallet, or make further transfers.


Anyone looking to secure large values of crypto assets should first speak to a technical expert.

allocation to precious metals is closer to 20%–25%. The Cayman Islands is an excellent jurisdiction for the storage of precious metals for several key reasons: >> Its proximity to the United States, Canada and Latin America >> There are no import or export tariffs on precious metals coming to or leaving the country >> There is no sales tax on the storage of precious metals >> Assets in storage are not reportable to any local or foreign government or tax authorities. If you would like to invest in precious metals, the following company can help: Strategic Wealth Preservation (SWP) 115A Printer Way, George Town Tel: (345) 640 2111



Email: info@swpcayman.com

Owning gold and other precious metals makes tremendous sense and offers investors opportunities for both wealth preservation and wealth appreciation across a wide spectrum of economic scenarios. Purchasing and storing precious metals in the Cayman Islands is a solid investment in your future. Adding precious metals to a diversified portfolio of stocks and bonds helps improve the returns of such a portfolio over time while reducing risk and overall portfolio volatility. Traditionally, financial advisors have recommended allocating 5%–10% of one’s portfolio to precious metals, however, recent data indicates that the optimal




www.swpcayman.com Strategic Wealth Preservation (SWP) operates a world class vault housed within a category five hurricane rated building here in George Town. SWP specialises in the secure storage of precious metal bullion, cold storage for cryptocurrency devices and disaster recovery services for corporate data, documents and other valuable items. SE E AD PAG E S 43, 66 & 69 INVESTING IN CAYMAN PROPERTY

From the breath-taking canal front properties tucked away in Salt Creek, to the grand Seafire Residences with sweeping views of the Caribbean Sea, the Cayman Islands’ property market is flourishing.

To get an independent overview of how things are standing in the property market we asked Charterland, who produce the annual Cayman Property Review, what the highlights are. Here is what we found: there was a total of 1,857 property transfers in 2018, up by 9% from 2017, and the total value of these sales was over CI$800 million - the highest total value for sales in one year on record and a huge 17.8% increase on 2017. What is interesting is that the average value of sales is up 8% from CI$399k to CI$430k, however, this fluctuates considerably depending on where you are buying in Cayman. For example, there were only 101 sales of condominiums on Seven Mile Beach in 2018, and the value of these properties were up considerably. At The Pinnacle for example, the average sale price was US$2,365,445 which was an impressive 25% higher than 2017. This trend continued at the Regal Beach Club which saw two sales in 2018; both were up 19% from 2017. George Town Villas saw an average increase of 28% over the sales made in 2017. Properties on the lower end in south George Town also saw an increase. In 2018 there were a total of 10 sales of two-bedroom units in the Retreats and these showed a 21% increase from the average sale price in 2017. The same increase can be seen in residential homes and also land. In Savannah the cost per square foot of land increased by an average of 19.6%. Grand Harbour saw an increase of 33%. It should also be noted that there has been a significant increase in the value of sales in all segments of the market between CI$250k and CI$4.99 million. When we asked a realtor about the market he said that you have to be fairly sure what you want as things move almost as soon as they come on the market, and if you think about it too long the property/land will have gone. It’s a nice position for existing homeowners to be in and there is no signs of it slowing down. Here is a look at specific areas: Go West to discover the pinnacle of oceanfront luxury living along the Seven

owners lounge. Prices start at US$600,000 and reach up to just under US$2 million. Located just north of Seven Mile Beach, will be SeaDreams, an exclusive boutique condominium development that boasts uninterrupted ocean views. With 4-storeys and only 2-units per floor residents will enjoy large living spaces, as well as fantastic amenities including a pool and BBQ area. Go East to find a weekend retreat at Rum Point Club, which is due to open in winter 2019, and will boast 31 brand new beachfront condos over 5 storeys, and a range of one to four bedroom units. The property overlooks 486 ft of pristine white sand beach. Sunrise Estates poses the pinnacle of green living, offering two or four bedroom eco-homes with complete on-grid solar package options and energy efficient design including gas appliances. The contemporary architecture and modern amenities combine to produce a modern environmentally conscious community, as well as having an onsite gym, children’s playground, and beach access. Go South to snag a boutique property in

South Sound. In keeping with surrounding luxurious townhouses and developments, Karma Seaview is a high end contemporary boutique development, comprising of ten 1, 2, or 3 bedroom residences across 3 floors, each with a view of the South Sound seaside stretching before them. The property boasts a swimming pool, gym and roof terrace among many other amenities to cater to a luxurious beachside lifestyle. Located in Grand Harbour is Grand Palmyra, a gated community of 3-storey townhomes allowing families spacious 4 bedroom residences, with a pool, balcony, private backyard, and seating area. Also close to Grand Harbour is Aura, a collection of 39 luxury 2 or 3 bedroom apartments. Each residence spans 1 or 2 storeys, and is designed to capture maximum sunlight. The homes encourage a healthy lifestyle with a fully equipped gym and 75 ft lap pool, and also provides a secluded cove, BBQ area, and children’s playground providing opportunities for fun and relaxation. Allure, which will be comprised of two and three-bedroom luxury

www.swpcayman.com | P. 1(345) 640-2111 | E. info@swpcayman.com


www. c a y m a n r e s i d e n t . c o m




Mile Beach corridor. New developments to look out for include: The Grove, featuring 58 studios and single-bedroom residences with easy access to SMB, private balconies overlooking courtyards and bustling retail spaces. Property owners will also have access to rooftop pools, BBQ and bar facilities. Stone Island, in the Cayman Islands Yacht Club, is a gated community of 44 canal front residences. These homes are 3-storeys, with open concept living spaces and private plunge pools among other superb amenities. Aqua, at the southern end of SMB, is 10 full floor units, with 360 degree views, designed to capture unobstructed views of the Caribbean Sea. The residences have a sleek exterior, with modern architecture, and home-owners have access to an infinity pool, plus their own private balcony. Nearby is the new Seacrest, another 10-storey complex with two units per floor already sold out, and also the Grand Hyatt Beach Resort which is a five-star 351room property with both hotel rooms and residences, featuring studio apartments as well as 1, 2, and 3-bedroom properties available. One of SMB’s oldest condominiums, Lacovia has received permission to remodel, planning to replace the current residences with three 10-storey buildings, promising a whole new level of luxury. Located between Avalon and Harbour Heights, WaterMark will boast 10-storeys and 54 extravagant units, along with a pedestrian sky bridge and multiple swimming pools. There is also Diamond’s Edge, which is located between the Grand Caymanian Resort and Lallique Point. This is an exclusive oceanfront gated development with direct boating access via a private channel to the North Sound. It will have lush landscaping, finished seawalls and high-end cantilevered docks. Every property offers direct access to the North Sound Golf Club and lot sizes are being sold from 0.6 to 1.5 acres. ONE Canal Point, which will have 73 units in total, ranging from 1-3 bedrooms (plus den), condos and townhouses, offers world class amenities, including a dog park, community fruit tree orchard, a 25 metre lap pool and communal roof terrace and

The houses are linked by footpaths and green spaces, with the centerpiece a resortstyle swimming pool at the heart of the community. The residences will have solar panels, and will be cooled with geothermal systems, along with multiple other energy efficient appliances. Other amenities include outdoor BBQ areas, a kid’s playground, a communal herb garden, a gym, and a yoga green. Also in Camana Bay, a 60,000 sq ft Foster’s Supermarket has just opened and is the grocery store’s largest location to date. It will be accompanied by a fourlevel car park, walkways and a large dining area. Neighbouring the Esterley Tibbetts Highway and Nexus Way, a corporate development expected to be Dart Group Headquarters is planned, as well as a pedestrian subway, linking Camana Bay and Cayman International School with the National Gallery and the future home of Rugby Cayman. This footway will allow pedestrians to cross the Esterley Tibbetts Highway without interfering with traffic.

PREDICTABLE GROWTH. PEACE OF MIND.™ Knighthead Annuity’s Safe Harbour Fixed Annuity Series Tel 345-623-0300 | Toll Free 1-855-789-KHAL (5425) 62 Forum Lane, Camana Bay, Grand Cayman www.knightheadannuity.com


Fixed annuities are single premium investment products that provide the ability to earn guaranteed interest over a fixed term. They are a great way to protect and grow accumulated savings without downside risk. An individual has the choice to select the duration of their desired investment, which corresponds to a fixed rate of return. Generally the longer an individual invests, the higher the rate of return. Interest is credited every day and compounded annually. At the end of the fixed term, a guaranteed amount is earned. This amount does not depend on market performance – it is based on the guaranteed interest rate stated in the contract. Fixed annuities are for investors that seek both reasonable investment returns and safety of principal over a medium to long term basis. It is also for individuals that want the option, but not the requirement, to convert their savings into a monthly guaranteed payment over a stated period or their lifetime. Given the increasing reality of outliving financial resources during retirement, most individuals should consider allocating at least some of their savings to a fixed return product like an annuity. Typically the percent allocation to a fixed product should increase as a person gets older. Knighthead Annuity and Life Assurance Company 62 Forum Lane, 1st Floor, Camana Bay PO Box 10711, Grand Cayman KY1-1006 Tel: (345) 623 0300 Email: info@knightheadannuity.com www.knightheadannuity.com Services offered: Fixed annuity investment products with highly attractive, guaranteed investment returns that provide predictable




condos, hugs the Island’s coastline, offering tenants’ unimpeded views of the North South. Units start at US$488,000. Situated between Periwinkle and the Shoppes in Grand Harbour, Harbour Walk boasts a variety of retail, office, and residential spaces. Residents of the one and two bed homes have access to rooftop chill-zones with fire pits, an infinity pool, gymnasium and yoga area, 1000 ft rooftop jogging area, and electric car charging stations, alongside easy access to the shops and business operating nearby. Paraiso, located at the end of Lord’s Way, boasts 12 modern canal-front homes. Each unit will have their own private dock and plunge pool, along with a green space and private patio area. Pre-construction pricing starts at US$870,507 for a 3 bed, 3.5 bath, and separate den area. The Dart Group is continuing its major expansion of Camana Bay, with infrastructure enhancements and new developments as the company begins its residential buildout. OLEA is a waterfront community of townhouses, duplexes, and condominiums located to the south of Camana Bay’s centre.

growth and peace of mind. SE E AD T H I S PAG E & PAG E 97

Knighthead Annuity is an insurer licensed by the Cayman Islands Monetary Authority (Lic#1130065). Not available for sale to U.S. persons or in any jurisdiction where prohibited. Minimum investment may apply. AM Best and Kroll rating effective July 2019, for the latest rating visit www.ambest.com or www.krollbondratings.com.




Tell them you saw it in the

Working in Cayman

Photos courtesy of Deep Blue Images and Camana Bay.

How to find a job in the Cayman Islands, the different jobs available, insight into the Island’s Labour Law, details of Cayman’s recruitment companies, accounting and law firms and the National Pensions Law 2016.


he Cayman Islands has numerous employment opportunities in both the financial services and tourism industries, making it a desirable jurisdiction to be employed and attracting professionals worldwide. Jobs in other sectors (medical, construction, retail) exist mainly to meet the demands of the local market. The Island has a well-educated local workforce, but traditionally there have been more positions to be filled than there are qualified candidates, though this is changing. Foreign workers make up a large percentage of the workforce, and come from over 130 countries. We continue to see growth within the two pillar industries that fuel Cayman’s economy, tourism and finance, and for those seeking employment within these sectors, opportunities are rife. EMPLOYMENT PROSPECTS

Work Permits Strict work permit regulations exist to ensure that Caymanians, the spouses of Caymanians, Permanent Residents and existing Residents are given preference (in that order) for any position. The rules present some unique hurdles to the expatriate jobseeker, so a basic understanding of this process is required to put the employment market in context and avoid finding yourself in a position that is improvident at best and disastrous at worst. Unless contracted to Government, expatriates must either hold a valid work permit (which includes a Special

45 45 48 48 48 48 49 51

Accounting & Auditing Firms


Legal Services & Attorneys-At-Law




Employment Prospects - Work Permits - Finding a Job - Financial Services Professionals - Labour Law - Know Your Rights - National Pensions Law 2016 - Other Skills & Professions - Recruitment & Employment Agencies

Economic Zone Certificate), a Certificate of Direct Investment, a Residency and Employment Rights Certificate or hold Permanent Residency with the right to work in a prescribed occupation or occupations in order to work and reside in the Cayman Islands. The administration of work permits is the responsibility of the Cayman Islands Government Department of Workforce Opportunities and Residency Cayman (WORC) (formerly the Department of Immigration) and are the legal obligation of your employer. There is also an understandable emphasis on the training of local staff to ensure that they have an opportunity to develop their skills. The onus is on the employer to demonstrate to WORC that they have tried to fill the position with a Caymanian. In order to do so, the employer


www. c a y m a n r e s i d e n t . c o m


with a different company while you have an existing work permit, your current employer must provide a letter to Immigration releasing you from your work permit. You should therefore be doubly sure that any position is right for you before committing to a long-term contract. Once in employment you should take some time to consider your situation before your employer applies for your work permit renewal, as you are effectively bound to them from the time of application until expiry of the permit, unless the permit is cancelled at the employer’s request. It is unlikely an employer will be granted a work permit unless a) the proposed expatriate employee is professionally qualified or very well experienced in a relevant field, or b) there is literally no interest in the position from the local workforce (which is actually fairly common). This creates something of a “Catch 22” for those expatriates without a professional qualification. The better the position, the higher the level of interest from the local workforce and the less likely it is that an expatriate will be granted a work permit. There are certain occupations that presently seem to hold little appeal for existing residents. These are often positions that offer little job security, irregular or anti-social hours of work, or a somewhat unpredictable or unreliable income stream. Examples of such lines of work are office temping, diving, nursing, construction, food and beverage service and most commissionbased sales positions. Rules on Residing On-Island Whilst a Work Permit is Processing

The WORC authorities generally dictate that individuals should not be present in the Cayman Islands while a Work Permit application is in process, however, this does not apply if you are already legally resident, including (for example), working legally on a Temporary Work Permit (TWP) and the Full version

is submitted to WORC before your Temporary Permit expires. Generally speaking, without special circumstances or the consent of the Director of WORC, no one is permitted to remain in the Cayman Islands as a Tourist Visitor while a Work Permit application is being considered. Once your permit is approved you can return to the Cayman Islands and start working. It should be noted that if you come to the Cayman Islands on a Temporary Work Permit, and your subsequent Full Work Permit application is denied, you will have to cease work immediately and may have to leave Cayman on short notice, unless permitted to remain by virtue of some other provision. For this reason persons are encouraged to await the grant of a Full Work Permit before seeking to make a long term move to the Cayman Islands. Rules on Dependants

It is important to be aware that your spouse or children are not automatically entitled to reside in Cayman even if you hold a valid permit. He or she must be a named dependant on the permit and a separate application must be filed. All accompanying dependants must also submit an original medical questionnaire (if over 18 years of age) and, if it is a spouse, a certified copy of your marriage licence, any final divorce decree, and an original police clearance certificate. If the dependant is a child, a certified birth certificate naming you as a parent and (if old enough) a letter from a Cayman Islands’ private school confirming acceptance is required (expat children are only allowed to attend private schools, unless their parents work for the government). Where appropriate, arrangements for home schooling can be made. The WORC will consider, along with other factors, your ability to financially support your dependants. Dependants can also be added to a Temporary Work Permit. See the Immigration chapter for restrictions on who can be named as a dependant whilst living in Cayman.


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must first advertise the position locally for a minimum of two consecutive weeks and also register the vacancy with the National Workforce Development Agency (which, among many other responsibilities, assists local people in finding employment). Only after all efforts to recruit locally have failed, can the employer rightfully justify a work permit application. This process must be repeated periodically (usually once every two years) depending on the employer’s circumstances. Some employees can however be granted work permits of up to five years’ duration, or even, in relation to senior positions in aspects of the financial services industry, 25 years. Work permits can take as long as three months to be processed, although often they are issued within six weeks of application. Temporary Work Permits (for anything from 30 days to up to six months) can be granted within a matter of days (if an express fee is paid), but they are generally discouraged in favour of full (i.e. one year) permits. Temporary Work Permits should therefore only be used when the circumstances justify it, for example where there is genuine urgency or where the employment is genuinely temporary in nature. A seasonal workers’ permit allows the employee to work for eight months. Where employees are only required for very short periods and no residence in the Islands is expected, exemptions from the work permit restrictions can apply in particular circumstances. Other types of permission such as a Business Visitor’s Permit or even a Visitor’s Work Visa may be appropriate alternatives. (Note: a work permit is granted for a specific position with a specific employer). This means that a work permit holder is not entitled to work in any other capacity or for any other employer and that any significant changes to the person’s role within the organisation, must be approved by WORC prior to the individual taking up a revised role. If you want to take up employment

Work Permit Term Limits ‘The Roll Over’ Policy



In 2004, the Cayman Islands introduced an immigration “term limits” policy, a necessary consequence of near exponential growth of the population over the previous four decades. Under current provisions, most expatriate workers can only remain in the Cayman Islands for a maximum of nine years, unless they have applied for Permanent Residency (PR) on passing eight years of legal and ordinary residence. All such applications must generally be made by the ninth anniversary of the expatriates’ arrival to live in the Cayman Islands. Further information is available in the Immigration chapter and people are encouraged to check our website for updates on new legislation. The point system for awarding PR provides workers with greater transparency and certainty. This system permits everyone who qualifies to apply for Permanent Residency following a clear and objective set of criteria. Finding a Job Despite a growing population, there are still many employment opportunities available in the Cayman Islands. Most companies on the Island receive a continuous and endless barrage of employment applications from overseas, but very few are deemed to be genuine. The minefield of applying for employment on the Island is further complicated by the requirement to advertise any position prior to a work permit application or annual renewal. A flick through the local classifieds may give a misleading picture of the job market. Employers are discouraged from giving any indication that the position may be a work permit renewal, as this can discourage local applicants. With just under 27,263 work permits in issue as of May 2019, many apparent vacancies will actually turn out to be for a work permit application or renewal. This makes trying to find a position by reading employment classifieds something of a needle-in-a-haystack. For most jobseekers, responding to such ads should only 48



be a part of a more proactive, direct strategy. The most effective approach to finding good employment depends on what type of role you are suited for and how soon you wish to relocate. Financial Services Professionals Many positions exist for professionally qualified accountants, particularly those with investment, funds or insurance industry experience (but this is by no means essential). The Cayman Islands recognises most Commonwealth and international accounting designations. Due to the proliferation of choice for qualified accountants, it may be wise to consider registering with a Cayman Islands-based recruitment agency that has an in-depth understanding of the local marketplace. They will be able to advise you on the prospects and appropriate salary for someone with your experience and qualifications. Many of the largest financial services employers on the Island find their professional staff through recruitment agencies. However, if you are interested in working for one particular employer, it would be more advisable to approach them directly first expressing your interest, before registering with an agency. Lawyers should note that if they will be seeking to practice Cayman Islands’ Law, they must generally have at least three years post-qualification experience in a British Commonwealth jurisdiction, as well as previous financial services experience, preferably in mutual/hedge funds, insurance, insolvency, structured finance or commercial litigation. Labour Law - Know Your Rights We strongly advise you to become familiar with your employee handbook, the Labour Law (2011 Revision), and the Gender Equality Law (2011 Revision). Below are some of the highlights of the laws governing employment in the Cayman Islands: Sexual Harassment: The Gender Equality Law (2011 Revision), states that sexual harassment is illegal in the Cayman Islands. Maternity Leave: The Labour Law (2011

Revision) stipulates that 12 calendar weeks must be granted for maternity leave. The amount of paid maternity leave is four weeks (20 days) full pay; four weeks half pay and four weeks no pay, for all female employees who have completed 12 months of employment otherwise it will be on a prorate basis. Holiday Pay: According to the 2011 Labour Law, each employee is entitled to a minimum of two weeks’ vacation (10 working days) for the first four years of employment, three weeks (or 15 working days) for years four to 10, and four weeks (20 days) if employed for over 10 years for the same company. Severance Pay: Under the Labour Law (2011 Revision) all employees who have continually worked for their employer for more than a year are entitled to receive severance pay if their employment is terminated for any reason other than for misconduct and poor performance, at a rate of one weeks’ salary for every completed year of service. For part-time employees, severance pay is calculated based on the ratio of their hours of employment to the standard work week. Unfair Dismissal: If an employee feels that they have been unfairly dismissed they have 90 days from the date the employment was terminated to file a claim for unfair dismissal with the Department of Labour and Pensions. If the employee is successful with their claim they may be entitled to further compensation if the Labour Tribunal deems fit. Minimum Wage: The current National Minimum wage is CI$6 but this is up for review. Those in service positions who receive a portion of their income via gratuity can be paid CI$4.50 per hour. Domestic helpers who receive benefits such as a car and accommodation in their salary package cannot be paid less than CI$4.50 per hour. National Pensions Law 2016 The National Pensions (Amendment) Law, 2016 was passed in May 2016. Over 50 provisions were revised so we

law standpoint. Check the Department of Labour and Pensions’ website: www.dlp. gov.ky for more information. The Cayman Islands Society for HR Professionals (www. cishrp.ky) is also a great resource. Other Skills & Professions For those with qualifications, skills or ambitions not related to financial or legal services, finding good employment may require more research and legwork. Most reputable recruitment agencies will be able to point you in the right direction and some may have vacancies within your field, so it will be a matter of researching those agencies that may be able to help you. If you are Caymanian, a Permanent Resident or currently on a work permit, you can register with the National Workforce Development Agency (NWDA) (Tel: (345) 945 3114 or www.nwda.gov.ky) to access their database of jobs. Employers from top firms have access to this database and regularly post job listings on this online system. The NWDA has a Career Assessment Centre

and also provides free career counselling and training to Caymanians. Also, use the internet or Yellow Pages to make a list of potential employers and write to them enclosing your resumé. For your cover letter, remember to include when you will be available to work, your skills, qualifications and your marital status and partner’s occupation (if you are a non-Caymanian who is married to a Caymanian). Some Cayman employers will also be interested to know if you currently reside in Cayman and if not, you should be prepared to have a convincing case for moving and being committed to your potential employer. Most employers will not reply unless they have a suitable vacancy. It is good practice to follow up with a call to their Human Resource Manager to confirm receipt and enquire as to any current vacancies available. If you have a bachelor’s degree and a few years of office experience, you may want to consider office temping. This is a good way to make friends and contacts when you first

Overtime & Weekend Hours As is the case in most leading jurisdictions around the world, many companies expect their employees to work beyond the normal eight-hour work day. Conversely, standard human resource (HR) practices may vary from country to country. Before taking a job, familiarise yourself with the work culture. Ask your prospective employer’s HR professional whether overtime pay is provided or time in lieu. Again, knowledge of the Labour Law will assist you in determining what is legal in the Cayman Islands from an employment 192009-Ad-Resident-Third-Pg-Join1 1


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strongly recommend that you familiarise yourself with this new Law or seek advice by contacting the Department of Labour and Pensions (Tel: (345) 945 8960 or email: dlp@gov.ky). The Law also requires that employers pay pensions for non-Caymanian employees who have continuously worked in the Islands for more than nine months (until a commencement date is given by the Government for this provision to be changed to six months). However, Caymanians who are under 23 years old and are attending full time education are now exempt from pension requirements. It is good to note that their employers should retain documentation to support this exemption. Additionally, employers are now required under the Law to retain “proper payroll accounts” as well as “books and records” on all sums of money paid by the employer to a pension plan. Employers who fail to administer or provide workers with a registered pension plan will be subject to serious fines and may even be imprisoned. The normal age of pension entitlement has been extended from age 60 to 65, and the amount that employees and employers are required by law to pay pension contributions on has been increased from CI$60K to CI$87K. For more info on the National Pensions Law, please visit www.dlp.gov.ky or to report breaches of this Law, contact the confidential hotline on (345) 945 3073.

arrive, which can prove to be invaluable in the search for employment. Because you will be tied to the temping agency for the duration of your contract and work permit, you should do as much research as possible on prospective employers before signing up. A good agency will be able to provide references from current and past staffmembers, together with contact details, which will allow you to confirm their authenticity yourself. For other specific industries the situation is as follows:




if there are any vacancies. These companies

services team will usually respond to your

can be found in the local Yellow Pages.

enquiry within two weeks. This department



is also responsible for the recruitment of

several locations and you can reach the HR



all jobs within the Ministry of Education,

department via email: careers@fosters-iga.

so positions other than teaching are

com or their website. Submit an application

available throughout the year. Employment

at www.fosters-iga.com/about/careers.

contracts are generally two-years in length

For Kirk Market, you can visit the careers

and include a range of benefits. Further

page of their website (www.kirkmarket.ky)

contracts are often offered, subject to an

and see what positions they have vacancies

annual performance process.


in. For those seeking employment at Hurley’s, you can view job vacancies on

registered in Australia, Canada, Jamaica,

there are not enough qualified Caymanians

their website www.hurleys.ky/jobs or

the UK, New Zealand, South Africa and

to fill these posts. We recommend that you

email: recruitment@hurleysgroup.com.

the US may be eligible to practice in the


Health Field: Medical professionals fully

Hospitality Industry: Hotels and restaurants

Cayman Islands once they have become

in the Yellow Pages (www.findyello.com)

usually hire in September and October to

registered with the appropriate Council.

and contact them directly. When a position

fill positions in time for high season, which

Presently, doctors with specialist training

becomes available, these companies tend

starts in December. Visit the Good Taste

are preferred at all registered health care

to go through the resumés on file to see if

website at www.caymangoodtaste.com to

facilities. Please visit the Department

someone is qualified for the position. The

contact the restaurants of your choice. It is

of Health Regulatory Services’ website

construction industry in Cayman is booming

recommended that you mail your resumé


and companies have started working more

directly to specific restaurants and those

registration process and requirements at

closely with local recruitment agencies

that are interested will call to interview you

www.dhrs.gov.ky. For more information on

in addition to their direct sourcing of

over the phone. Seasonal permits for six or

recruitment at the Cayman Islands Health

eight months are easily obtainable.

Services Authority (HSA), please visit

IT: There is increasing demand for expats in

the Employment and Training section on

the Cayman Islands’ Government prefers

IT positions as the tech industry continues

www.hsa.ky. The CTMH Doctors Hospital,

people to submit an official application form,

its steady growth on the Island. With the

a private hospital, is happy to receive

a resumé and a cover letter. Visit www.

expansion of Cayman Enterprise City and

resumés directly by email at careers@

recruitment.gov.ky for job opportunities.

the need for expertise within areas such

doctorshospitalcayman.com. Health City

Electricians and Plumbers: Legally, all

as Blockchain, Cryptocurrency and Cyber-

Cayman Islands is a private, institutional

electrical and plumbing workers require a

Security, organisations are having to look

healthcare facility with Medical Tourism

local licence to work in the ­Cayman Islands.

further afield to find the specialist skillsets

designation and accepts applications from

Plumbers are licensed by the Plumber’s

needed. There is also an increased number

qualified healthcare professionals from

Examination Board and should contact the

of positions available in the software

around the world. Email your resumé to

Planning Department about specifics of the

development and network administration


process. Information can be found on www.

fields in addition to project management

planning.ky, under the ‘Builders Board tab’.

and business analyst roles. These positions

demand for corporate administrators, legal

Electricians must satisfy the CI Electrical

are often advertised by, and filled through,

secretaries, trust officers and compliance

Board of Examiners that their qualifications

employment agencies.

administrators in support roles and these

CI Government: As with all civil service jobs,








Office Support Staff: There is a high

Teaching Positions: Teaching positions in

positions are generally filled by employment

Regulations. Call the Planning Department

private schools regularly come up. See the

agencies. An employment agency will often

on (345) 244 6501 for more information.

Education chapter and apply to various

hold a six-month work permit for you that

In all cases, a certified copy of your licence,

schools directly. Teaching and Education

will then turn into a full-time position with

trade references and a recommendation

jobs in the Government schools are

a company you have temped for. There

from the jurisdiction you are seeking to

advertised on the Ministry of Education’s

are a few Personal Assistant positions,

transfer from must be submitted along

website (www.education.gov.ky), between

but these positions are generally filled by

with your application. You will not receive

December and February every year. The

Caymanians. Support staff in accounting

a work permit until you have completed

application form is available on the website.

firms also tend to be local.

meet the requirements of the Electricity


ky with questions or applications and the HR

usually hired from overseas simply because



You can also email: edu.recruitment@gov.

contact local MEP companies directly to see

Construction: Management positions are

find a list of local construction companies



this process. Qualified MEP workers should




Luxury Retail: The major recruiters in the retail field are Island Companies and

3114, email: ready2work@gov.ky or visit www.nwda.gov.ky.

Kirk Freeport. Both would be happy for you to contact them directly; you can email Island Companies at careers@ islandcompaniesltd.com and Kirk Freeport via work@kirkfreeport.com.


Sales: Sales jobs in Cayman usually have a




consequently Caymanians tend to avoid these jobs. The best way to find a sales position is to make a few phone calls from your home country, introduce yourself and then send your resumé.






often hired locally and promoted from within the particular business. Some jobs do occasionally become available and in

Recruitment & Employment Agencies With the Cayman Islands being a global financial centre, it is not surprising that the recruitment of human capital from overseas is necessary due to the Islands’ small size. There are a number of recruitment and employment agencies located in Grand Cayman that specialise in finding talent for legal and financial firms as well as companies that require candidates with IT or other technical skills. Certain agencies also offer extensive training programmes to the candidates that they recruit, and provide immigration advice to their clients.


these cases, recruitment is done through Affinity Recruitment Ltd.

chapter for a list of the telecommunication

2nd Floor, Piccadilly Centre, Elgin Avenue, GT

companies in Cayman.

Tel: (345) 943 2020






Email: info@affinity.ky

electricity company, hires most of its staff


locally. They are very pro-Caymanian and

Specialising in: Permanent and executive

will always look to promote from within

recruitment, temporary staff assignments,

the organisation. If any jobs do become

corporate immigration services, and benefit

available, it is usually in the very technical

administration. SE E AD PAG E 52



employment agencies. See the Settling In

field. If you have the appropriate technical


skills, you may email your resumé to


careers@cuc.ky or visit www.cuc-cayman.

1st Floor, Elgin Ct, Elgin Avenue, George Town

com and go to Careers.

Tel: (345) 945 1781

Other: Dart is another corporation that is

Email: recruitment@baraud.com

often seeking motivated employees. Visit


their website at https://dart.ky/careers

With over 27 years of excellence in recruitment

for opportunities available at Dart.

and immigration solutions, Baraud International Recruitment is Cayman’s leading recruitment

Ready2Work KY The Ready2Work KY programme is designed to support employers as they make efforts to employ Caymanians, and support Caymanians as they seek to gain and maintain employment. While employers focus on the development of technical and subject matter skills and expertise, the Ready2Work KY team is on hand and ready to deliver services designed to address any barriers to employment. If you would like to participate in Ready2Work KY, contact (345) 945

and immigration consultancy. Services include HR solutions from temporary to permanent staffing, immigration managed services and out-sourced payroll solutions. SE E AD PAG E 53 CML Grand Pavilion Commercial Centre West Bay Road, Seven Mile Beach Tel: (345) 949 1345 Email: info@cml.ky or www.cml.ky Founded in 2004, CML is the largest professional recruitment firm in Cayman. Their team has helped thousands of people take their lives and careers to the next level. Specialising in


www. c a y m a n r e s i d e n t . c o m


financial services, legal and IT recruitment, CML

in the Cayman market. Specialising in

Baker Tilly (Cayman) Ltd.

works with candidates from entry level, through


Governors Square, 23 Lime Tree Bay Avenue

to experienced professional, managerial and

C-Suite recruitment, they offer solutions

Tel: (345) 946 7853


across a variety of international and

Email: info@bakertillycayman.com




local industries and sectors. The only


Highbury Consulting

‘Investors in People Platinum’ accredited

Baker Tilly (Cayman) Ltd. is an independent

Ugland House, George Town

recruitment consultancy in the Cayman

member of Baker Tilly International and is a

Tel: (345) 328 0555

Islands, SteppingStones has a reputation for

leading firm of Chartered Accountants and

Email: cayman@highburyconsulting.com

providing clients with exceptional service by

Business Advisors in the Cayman Islands.


a professional, friendly and fun team.

They provide a wide range of services to

Highbury Consulting specialise in recruitment


companies domiciled in the Cayman Islands, in

services for the offshore financial services, legal, and IT sectors. With consultants based in the UK and the Cayman Islands candidates receive honest and straightforward advice from people who have first-hand experience of living and working offshore.


Nova Grand Pavilion Commercial Centre West Bay Road, Seven Mile Beach


Tel: (345) 623 1029 At Nova they provide jobs, career guidance and training to help with your career. They have a focus on helping peoples’ careers across a range of professional roles in permanent and temporary positions. Speak to their team to see how they can help with your career aspirations. SteppingStones Recruitment Ltd. 3rd Floor, Fidelity Financial Centre, SMB Tel: (345) 946 7837 Email: jobs@steppingstonescayman.com www.steppingstonescayman.com SteppingStones is a highly experienced, dynamic and forward-thinking recruitment agency with over a decade of experience

particular mutual funds and captive insurance

Accounting & Auditing Firms Some of the most prominent accounting firms have offices in Grand Cayman and provide a complete range of advisory, administrative, risk management, auditing and consulting services that are specifically tailored to Cayman’s well-regulated business environment. The Cayman Islands Institute of Professional Accountants (CIIPA) was formed in 1970. The organisation’s mission is to further the public interest through the regulation of the accounting profession, promoting the highest standards of professional and ethical conduct. In 2013, CIIPA became a full member of the International Federation of Accountants, the worldwide organisation representing the profession. A not-for-profit, it prides itself on its role as both an educator and regulator in the financial services industry. Visit www.ciipa.ky, email: admin@ciipa.ky or call (345) 749 3360. SEE AD PAGES 49 & 302

companies registered with the Cayman Island Monetary Authority. BDO Governors Square, 23 Lime Tree Bay Avenue Tel: (345) 943 8800 Email: mail@bdo.ky Deloitte 2nd Floor One Capital Place, Shedden Road Tel: (345) 949 7500 www.deloitte.com/ky EisnerAmper Cayman Ltd. Century Yard, Cricket Square, George Town Tel: (345) 945 5889 Email: bleung@eisneramper.ky www.eisneramper.ky EisnerAmper Cayman Ltd. are approved by the Cayman Islands Monetary Authority to audit hedge funds, captive insurance companies and trust companies. They are experts at conducting audits under International Standards on Auditing and US GAAS. Their focus is on financial service companies and commercial companies. They audit pro-bono the Cayman Islands Red Cross, Cayman Chamber of Commerce and Cayman Finance. EY 62 Forum Lane, Camana Bay Tel: (345) 949 8444 Email: ey@ky.ey.com Grant Thornton Cayman 2nd Fl, Century Yard, Cricket Sq, George Town Tel: (345) 949 8588 Email: info@ky.gt.com





Tel: (345) 943 0303 or (345) 623 0303

Century Yard, Cricket Square, George Town

Email: hello@boddens.ky

Tel: (345) 949 4800


Email: kpmg@kpmg.ky

Boddens can help you with all of your Cayman

Provides audit, tax and advisory services.





requirements. We assist with work permits, PwC


18 Forum Lane, Camana Bay

means residency applications, as well as

Tel: (345) 949 7000

the preparation, negotiation and review of

Email: caymanrecruiting@ky.pwc.com

employment contracts. SE E AD PAG E S 60, 83 & 146

Rawlinson & Hunter

Broadhurst LLC

Windward 1, Regatta Office Park, West Bay Rd

40 Linwood Street, George Town

Tel: (345) 949 7576

Tel: (345) 949 7237

Email: mail@rawlinson-hunter.com.ky

Email: info@broadhurstllc.com

Legal Services & Attorneys-At-Law There are 40+ law firms operating on-Island. Many of these top firms have a strong global presence and are internationally renowned. A number of Cayman’s local firms have offices conducting business around the world and as a result, attract top talent from London’s magic circle firms, positioning the Cayman Islands as one of the premier jurisdictions for legal services.





4th Floor, Willow House, Cricket Square, GT


Tel: (345) 949 2648 www.campbellslegal.com Campbells is a leading offshore law firm established nearly 50 years ago. From their


offices in the Cayman Islands, the British Virgin Islands and Hong Kong they provide comprehensive corporate and litigation advice and services to clients worldwide in relation to Cayman Islands and British Virgin Islands law.



Appleby Tower, 71 Fort Street, George Town Tel: (345) 949 4900

Carey Olsen

Email: cayman@applebyglobal.com

1st Floor, Willow House, Cricket Square, GT Tel: (345) 749 2000

Bedell Cristin

Email: cayman@careyolsen.com

Unit 3211, 53 Market Street, Camana Bay Tel: (345) 949 0488

Collas Crill

Email: Laura.Hatfield@bedellcristin.com

2nd Floor, Willow House, Cricket Square, GT

www.bedellcristin.com Bedell


Tel: (345) 949 4544




Email: cayman@collascrill.com

domestic clients on all aspects of Cayman Islands law. The firm’s sector expertise includes

Conyers Dill & Pearman

funds, regulatory and compliance, insurance,

2nd Floor Boundary Hall, Cricket Square, GT


Tel: (345) 945 3901




corporate, business

restructuring licensing,

Email: cayman@conyers.com

immigration, real estate and wills and probate. SE E AD PAG E S 35 & 81

Dentons 3rd Floor, One Capital Place, GT


Tel: (345) 745 5000

Bodden & Bodden Attorneys at Law / Bodden

Email: info.ky@dentons.com

Corporate Services


Caribbean Plaza, 2nd Floor North Building

The experienced Dentons Cayman team is

878 West Bay Road

in and of the local community and offers a


www. c a y m a n r e s i d e n t . c o m


full range of legal, corporate and immigration

Tel: (345) 949 8599

establishment in the Cayman Islands and related

services at competitive rates. Dentons offers

Email: cayman@harneys.com

employment and immigration services.

you an impressive presence across the globe


SE E AD PAG E S 58, 77 & 95

with over 10,000 lawyers across 75+ countries.

Harneys is a global offshore law firm with






Kobre & Kim

office provides a full range of commercial

Suite 3207, 9 Forum Lane, Camana Bay

Forbes Hare

legal services in investment funds, private

Tel: (345) 749 4000

Cassia Court, 10 Market Street, Camana Bay

equity, corporate, mergers and acquisitions,


Tel: (345) 943 7700

finance, banking, trusts, private wealth,

Kobre & Kim is a global law firm focusing

Email: cayman@forbeshare.com

litigation and insolvency. SE E AD T H I S PAG E

exclusively on disputes and investigations,


Higgs & Johnson

counsel in complex international disputes. They

Tel: (345) 815 2800

2nd Floor, Willow House, Cricket Square

regularly execute cross-border litigation and

Email: cayman@francisgreylaw.com

Tel: (345) 949 7555

investigation strategies and their specialised,


Email: cayman@higgsjohnson.com

integrated product offerings allow them to

conducting most of their work as special conflicts

FrancisGrey is a specialist Corporate and



pursue aggressive and creative solutions to

Commercial Cayman Islands law firm. The firm

HSM Attorneys-at-Law

clients’ underlying problems, whether legal,

provides services in the areas of investment

68 Fort Street, George Town

financial, commercial or reputational.


Tel: (345) 949 4766





property, regulation, trusts and private client,

Email: info@hsmoffice.com

Loeb Smith

conveyancing and employment law.


Suite 329, 10 Market Street, Camana Bay


HSM lawyers advise on the principal areas

Tel: (345) 749 7590

of corporate and commercial litigation and

Email: info@loebsmith.com


insolvency, property, private client and trusts.


4th Fl, Harbour Place, 103 South Church Street

They have specialist lawyers handling business

Loeb Smith is a corporate law firm serving

Imagine a law firm that puts your needs first. Whether it’s an emergency or a routine question, you are our top priority. We are passionate about helping our clients reach their goals. We focus on the details so you can focus on your investment strategies and growing your fund. We’re Harneys, a global offshore law firm with entrepreneurial thinking. harneys.com




clients globally with outstanding Partner-


Stuarts Walker Hersant Humphries

led service at competitive rates. The firm

4th Floor, 89 Nexus Way, Camana Bay

Kensington House, 69 Dr. Roy’s Drive, GT

Tel: (345) 949 9876

Tel: (345) 949 3344

Email: cayman@ogier.com

Email: info@stuartslaw.com

banking and finance, insolvency and corporate

Priestleys Attorneys-at-Law

Symons & Symons

restructuring, and commercial litigation.

2nd Fl, Caribbean Plaza, West Bay Road

Tel: (345) 745 7529


Tel: (345) 946 1577

Email: Stephen.symons@symonsandsymons.

Email: info@palawcayman.com

com or www.symonsandsymons.com

Ugland House, South Church Street, GT

Ritch & Conolly Attorneys-At-Law

Travers Thorp Alberga

Tel: (345) 949 8066

4th Fl, Queensgate House, South Church Street

2nd Floor, Harbour Place


Tel: (345) 949 7366

103 South Church Street, George Town

The Maples Group’s comprehensive range of

Email: info@rc.com.ky or www.rc.com.ky

Tel: (345) 949 0699

services includes an international law firm,

Established in 1983, Ritch & Conolly has

Email: info@traversthorpalberga.com

advising on the laws of the British Virgin

developed a solid reputation for providing

Islands, the Cayman Islands, Ireland, Jersey

comprehensive legal services to local and

Walkers (Cayman)

and Luxembourg. They are an independent

international clients and financial institutions.

190 Elgin Avenue, George Town

provider of fiduciary, fund services, regulatory


Tel: (345) 949 0100






markets, mergers and acquisitions, private equity




Maples Group

and compliance, and entity formation and


Email: info@walkersglobal.com Walkers provides legal, corporate, fiduciary and

3rd Floor, Genesis Building

compliance services to global corporations,

McGrath Tonner

Genesis Close, George Town


5th Floor, Genesis Building, George Town

Tel: (345) 743 2626

participants and investment fund managers.

Tel: (345) 949 2740

Email: info@sinclairsoffshore.com


Email: info@mcgrathtonner.com



Sinclairs is a boutique law firm of English-

Legal Befrienders

McGrath Tonner specialises in all areas


87 Mary Street, 2nd Floor Apollo House West

of litigation and dispute resolution, civil

experience in the Cayman Islands. Practical,

Tel: (345) 945 8869 or www.dcs.gov.ky/frc

commercial and criminal litigation, corporate

cost-effective advice and representation

Free legal advice is offered on issues such as

law, administrative law, matrimonial and all

is offered in: litigation and insolvency,

domestic violence, divorce and immigration at

aspects of family law including wills and probate,

corporate and commercial transactions, IP

the Legal Befrienders Clinic every Tuesday from

property conveyancing, local business including

and employment law. Sinclairs is a registered

5pm-6.30pm. You can either call or visit the

immigration, employment law, licensing and

trademark agent and licensed by CIMA to

Clinic where qualified attorneys offer advice on

debt collection. SE E AD PAG E 59

undertake company incorporations and the full

a walk-in, first come first serve basis.





range of corporate services. Notarial services Mourant






Tell them you saw it in the

also offered.

94 Solaris Avenue, Camana Bay Tel: (345) 949 4123 Email: caymanislands@mourant.com www.mourant.com Mourant is a leading offshore law firm and a provider of specialist governance services, with expertise in Cayman Islands, British Virgin Islands, Jersey and Guernsey law. Their clients include many of the world’s leading financial institutions, corporations, public organisations, private equity houses and investment funds, as well as ultra-high net worth individuals and family offices. They routinely

Corporate & Commercial Law Specialists Investment Funds Banking & Finance Financial Services Regulation Trusts & Private Client Conveyancing Employment Law

T] 345 -815-2800 F] 345-947-4728 E] cayman@francisgreylaw.com W] www.francisgreylaw.com Suite 2206, Cassia Court 72 Market Street, Camana Bay P.O. Box 32302 , CI, KY1-1209

work in partnership with the most prestigious international legal and accountancy firms.


www. c a y m a n r e s i d e n t . c o m




management services.

Running a

Business Photos courtesy of Deep Blue Images and Camana Bay.

How to set up a business in Cayman, the legal formalities, trade and business licensing requirements, finding commercial office space, business services, computers and office supplies.



Establishing a Business 56 - Legal Formalities 56 - Funds & Investment Business 62 - Cayman Enterprise City 62 Trade & Business Licensing - Incorporation/Registration - Corporate Services - Independent Directors - Cayman - Fund Administration

63 64 64 66 66

Other Formalities - Work Permits - Employee Entitlements

67 67 67

Business Services - Bookkeeping Services - Office Supplies & Electronics - Disaster Recovery Services - IT Services & Support - Notary Public

67 68 68 69 69 70

Setting Up An Office 7 1 - Commercial Office Space 71 - Fitting Out Your Office 73 - Gas Supplies for Business 74





As a well-regulated, international financial centre with a worldclass infrastructure and political stability, the Cayman Islands has the ideal environment in which businesses can flourish. As a result, Cayman is booming. With the passing of the Companies (Amendment) Bill 2019 Cayman’s tight regulatory framework was further tightened. In July 2019 the Organisation for Economic Co-operation and Development (OECD) deemed Cayman’s tax regime as “not harmful” to other countries. With a well-developed common law system based on English law, and with a proliferation of world-class corporate service companies, predictably many companies have chosen to incorporate in Cayman. Below is your business set-up guide. LEGAL FORMALITIES A business in Cayman can be run as a sole trader operation, a partnership or a company. It is also possible for a foreign company to register a branch in the Cayman Islands in order for the foreign company to operate locally. The main distinction is that sole traders and general partners have unlimited liability to third parties doing business with them, whereas the shareholders of a company typically have limited liability to third parties doing business with the company. The differences in, and suitability of, various types of business structure are highly technical and are best discussed

HSM Corporate Services Ltd. provides corporate services in the Cayman Islands. HSM’s corporate team aim to work with our clients to achieve their objectives within the parameters of the structures available under Cayman Islands law.


• Incorporation of companies and Formation of Limited Partnerships


• Assisting in establishing bank accounts for corporate clients • Company searches • Corporate and Partnership filings • Legalisation, notarisation and apostilling documents • Re-domiciliation and transfer of companies • Voluntary Liquidations and Striking off of Companies

For further information, please contact: Lisa Shemwell Corporate Services Manager HSM Corporate Services Ltd. +1 345 815 7440 lshemwell@hsmoffice.com

Choose the Experts. Choose HSM.

+1 345 949 4766

68 Fort Street George Town PO Box 31726 Grand Cayman KY1-1207 Cayman Islands www.hsmoffice.com




with a qualified Cayman Islands’ attorney. Typically, small owner-operated businesses with few liabilities might consider operating as a sole trader, often using a ‘trading as’ title such as Fred Smith (t.a. Fred’s Fantastic Fences). There are few formalities for formation and few annual fees. However, the sole trader is personally responsible for any debts the business incurs. Where two or more people want to go into business together, but wish to avoid all the formalities and expense of a company, a partnership structure is more appropriate. Professional advisors, such as lawyers and accountants, have traditionally used a partnership structure for their business. A partnership has less legislative governance than a company and can be more flexible in its treatments of the partners’ responsibility for liabilities and share of profits. Partners are also personally liable for any debts the business incurs. A company will be used where the owners and operators of the business want to have limited liability for the debts of the business. Companies are very commonly used for all sorts of businesses, from one-man operations to multi-million dollar, multinational businesses. There are more formalities and fees associated with forming and operating a company than with a partnership or sole trader business; however for some, the benefit of limited liability that is attached to a company offsets the extra effort and cost for the formation and operation of a company. Foreign businesses that do not wish to establish a Cayman Islands subsidiary, have the option of registering a branch operation in Cayman. The process to register a branch with the Cayman Registrar of Companies is straightforward and the branch, once registered, is required to maintain a local registered agent and pay annual fees to the Cayman Islands Government to maintain its registration. If your aim is to operate a business, then depending on the nature of the on-Island business to be conducted, some other form of local licensing will be needed. More details on the local licences procedure is given later in this section. For a business, wholly or at least 60% beneficially owned and controlled by one or more Caymanians, the acquisition of a Trade and Business (T&B) Licence is required. Where beneficial ownership and control is less than 60% by Caymanians, a Local Companies Control Law Licence (LCCL) may be required. The grant of an LCCL is a matter of discretion for the Trade and Business Licensing Board which will carefully consider, amongst other things, the benefit such business will bring to the Islands, the extent to which Caymanian participation has been sought (which will ordinarily include a requirement for public advertising) and whether the proposed business will compete with any local Caymanian-owned businesses. Businesses wishing to set up a physical presence in the Cayman Islands, whose activities are carried out mainly outside the Islands, are in most cases exempt from the Local Companies Control Law (LCCL). Therefore, although they would require

a T&B Licence to set up their local office and secure work permits for any expatriate employees (as discussed further in the Immigration chapter), they would not require a LCCL, or 60% ownership by a Caymanian Status holder. It should be noted that banks, trust companies, company management firms and a number of other businesses are exempted from requiring both a T&B Licence and LCCL, though they would need to secure any requisite licensing with the Cayman Islands Monetary Authority (CIMA). A different regulatory regime is available for businesses in certain approved categories seeking to set up within Cayman’s Special Economic Zone (SEZ).

Partnerships One form of partnership is where all the partners are “general” partners and participate in the management of the business. In this structure, the

only restrictions on sharing profits and withdrawing capital are those agreed between the partners. As well as general partnerships, the Partnership Law sets out the rules for “ordinary” limited partnerships. However, limited partners must not participate in the management of the business and a limited partner’s right to share in the profits or withdraw capital is restricted. The Exempted Limited Partnership is another form of partnership which is specially designed to provide more flexibility to suit the needs of the financial industry in Cayman. The Cayman Islands Exempted Limited Partnership Law was enacted on 2nd July 2014. It introduces changes intended to simplify, clarify and add flexibility to the establishment and ongoing operation of Cayman-exempted limited partnerships. In all cases, you are advised to contact a specialist to determine the partnership arrangement most suitable for your needs. In addition to the 2017 Exempted Limited Partnership, the Cayman Islands

McGrath Tonner is a full-service law firm offering advice and solutions to the local and international market.

- Incorporations for companies and partnerships - Immigration advice and appeals - Registered office - Directorships - Nominee services - Vessel registration - Trade & Business and operational licensing - Special Economic Zone at Cayman Enterprise City

5th Floor, Genesis Building, Genesis Close | PO Box 446, Grand Cayman, KY1-1106, Cayman Islands Tel: (345) 949 2740 or (345) 623 2740 | Fax: (345) 949 0073 | info@mcgrathtonner.com | www.mcgrathtonner.com


www. c a y m a n r e s i d e n t . c o m




Sole Trader Due to immigration requirements and the rules governing the grant of a T&B Licence, in practice, only a Caymanian will be able to operate a business as a sole trader if they are competing in the domestic market. A sole trader is able to start his/

her business without any formalities by simply offering services or goods in return for payment. The sole trader can employ people to work in the business, but is personally responsible for all the liabilities of the business (e.g. rent, T&B Licence fees, salaries and benefits of employees) and is also the person who receives all the profits. As indicated above, however, a foreign national competing only in the international economy from a base within the Cayman Islands will generally only be able to obtain a licence and operate in and from within the Cayman Islands if they first incorporate a suitable Cayman Islands company and obtain suitable licensing for that entity. There will be no requirement for such an entity to have any Caymanian participation.



passed legislation for the introduction of Limited Liability Partnerships (LLP), which is expected to commence in late 2019. The LLP is a partnership with a separate legal personality and limited liability for its partners and it is intended as an alternative to ordinary limited partnerships. It is generally the LLP, rather than an individual partner, who is liable for the debts. Moreover, members enjoy limited liability and there are no joint liabilities for acts or omissions of another partner, excepting where there is negligence by the partner. The LLP is designed for the conduct of business domestically, as well as for business overseas. It is anticipated that the LLP will be an attractive vehicle to overseas companies in a variety of international financial service transactions. Companies & LLC A company that intends to conduct the majority of their business outside of the Cayman Islands would register as an exempted company. The key elements of

an exempted company are that it is not required to keep a register of members open for public inspection or hold an annual general meeting in the country, it can alter its Memorandum and Articles of Association without restriction (but must notify the Registrar of Companies of any changes), it can offer shares to the public in the Islands if listed on the Cayman Islands Stock Exchange (CSX), and finally it may issue shares with nominal or no par value. The company is treated in law as a legal person able to enter into contracts and own property as well as incur liabilities. An individual who is a shareholder in a company, has a liability to the company, limited to the amount unpaid on the shares the individual owns and cannot be liable for the liabilities of the company itself. The company may distribute profits to shareholders by paying dividends and a shareholder can only get their investment in the company back by selling or redeeming the shares they have. Company formation and operation is governed by the

Companies Law (2018 Revision). Additionally, in 2016, the Cayman Islands enacted legislation that, for the first time, allowed for the formation and the registration of Limited Liability Companies. A Limited Liability Company (LLC) is a unique vehicle that blends key features of a Cayman Islands Exempted Limited Partnership with those of a Cayman Islands exempted company. Most notably, a LLC is not the typical company vehicle with liability of shareholders limited by shares or by guarantee, but by reference to members’ capital accounts and capital commitments, with freedom of contract among members determining the internal workings of the company similar to an Exempted Limited Partnership. Yet, unlike an Exempted Limited Partnership, a LLC will be a corporate body with a separate legal personality and its members enjoying limited liability. A LLC is therefore a hybrid between an exempted company and an Exempted Limited Partnership, developed to meet the demands of various global client bases that wish to operate a vehicle which offers the greatly increased flexibility of partnership capital accounting capability but within a corporate vehicle with separate legal personality. This hybrid approach is useful in a variety of investment spaces (such as investment funds, joint ventures and holding vehicles for a variety of assets including ships) where some investors and service providers find the share capital accounting structure of a company somewhat cumbersome for certain transactions. LLCs have proven to be a very popular product. Since coming on the market in July 2016, there have been 1,520 Cayman LLCs registered as of 30 September 2018. Initial figures for 2019 were also positive, with the Registrar of Companies noting there were an additional 461 registrations by June 2019. Foundation Companies In 2017 the Cayman Islands enacted legislation for the formation and registration of foundation companies. Unlike the




Cayman Islands Branches An overseas company which i) establishes a place of business; ii) commences carrying on business within the Cayman Islands (even “offshore” business); or iii) proposes to own real estate situated in the Cayman Islands, must register as a “foreign company” (essentially register a branch) under Part IX of the Companies Law. A registered Cayman Islands branch will not have a separate legal personality from the main company headquartered overseas. In many cases, this is desirable for group operations which are required to maintain tax residency in a certain jurisdiction, but wish to have a Cayman Islands presence from which to conduct certain business of the group. In the case of a bank, trust company, insurance company, management company, mutual fund, mutual fund administrator or any entity carrying on securities investment business, a licence to conduct such business will be required from CIMA, even though such business is actually conducted outside the

Cayman Islands. A Cayman Islands branch is able to secure a T&B Licence and, if necessary, a LCCL licence to comply with the necessary legal requirements to set up a physical presence in the Cayman Islands. Intellectual Property Legislation The CI Government has modernised the country’s intellectual property laws in order to provide better protection of the rights of persons involved in creative and business endeavours. By improving copyright, trade mark, patent and design rights legislation, Government also has improved the local commerce framework. Copyright protection has been significantly updated with the commencement of the Copyright Order (Cayman Islands) 2015. As of 30 June 2016, the categories of original creations that are protected in Cayman have been expanded to cover music, film, art, and other creative fields in every format – including digital. The Trade Marks Law, an amendment

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traditional company, a foundation company may have no shareholders and may entrench its objectives. Other key elements of a foundation company is that whomever the founder wants can be given rights, powers and duties (not just to existing members, directors or supervisors). A foundation company may also entrench the objectives of the company or specific provisions within the constitution and may have by-laws to govern the exercise of discretion by those who have duties or powers under the constitution. The by-laws do not have to be filed, and they do not affect a third party dealing in good faith with the foundation company. As a new type of company, that is free of the current perceived drawbacks of a company or trust, the foundation company may prove particularly attractive to trust and estate planners. It is anticipated that foundation companies will open up a variety of interesting estate and other planning possibilities and will be used for commercial, philanthropic and other private purposes.



to the Patents Law, and a new Design Rights Law commenced on 1 August 2017. The Trade Marks Law allows people and companies to locally register their brands and company logos. It also gives legal protection against piracy and infringement, allowing local and international companies to be confident in what they create in the Cayman Islands, while providing an incentive for local and international investors. The amendment to the current patents legislation allows patent holders to continue registering their rights in the UK and extending them to the Cayman Islands. The completely new Design Rights Law allows design rights – the physical appearance of an industrial or handicraft item or a part of it – registered in the UK, to be extended to Cayman. The 2017 Law was repealed and replaced in May 2019 with the Design Rights Law, 2019 to allow for the direct registration of those rights in the Cayman Islands.

• Independent Director Services • Specialist corporate services for Funds and Investments Managers • Captive Insurance management and advisory service

Funds & Investment Business Common fund vehicles used in the Cayman Islands to operate mutual funds include the exempted company, the segregated portfolio company, the unit trust and the exempted limited partnership. The exempted company may redeem or purchase its own shares and may therefore operate as an open-ended corporate fund. Closed-ended corporate funds can also be established using the exempted company and it is a relatively straightforward procedure to convert from one to the other. The Segregated Portfolio Company (SPC) can also be established with protected cells or portfolios. The SPC makes it possible to provide a means for different groups to protect their assets when carrying on business through a single legal entity. The unit trust is usually established under a trust deed with the investors’ interest held as trust units. The exempted and limited partnership provides a second unincorporated vehicle and it can be formed as easily as the

exempted company or the trust unit. An attorney can provide more information on structuring a fund in the Cayman Islands and can advise on the necessity for a licence/applicable regulation and assist in compliance with the formalities.

• Full corporate registration and representation services for all local, and international business undertakings

Cayman Enterprise City (CEC) The Cayman Islands Government enacted the Special Economic Zone (SEZ) Law in an effort to encourage further economic growth and attract additional international investment. Cayman Enterprise City (CEC) an award-winning development project which consists of three special economic zones focused on attracting knowledge-based and technology-focused businesses to set up a physical presence in the Cayman Islands. The zones included within CEC are Cayman Tech City, Cayman Commodities & Derivatives

• Yacht, Shipping and Aircraft registration and representation services

A professional service, delivered with that extra personal touch www.caymanmanagement.com | (345) 949 - 4018 Governors Square, Grand Cayman, Cayman Islands




Small Businesses Commerce in Cayman continues to receive support as the Government reduced the T&B Licensing fees for micro and small businesses in 2014. To be classified as a micro business, owners can only employ four additional employees and cannot exceed an annual gross revenue of CI$250,000. Small businesses cannot employ more than 12 employees and exceed an annual gross revenue of CI$750,000. For business licensing advice, please contact the Department of Commerce & Investment on (345) 945 0943. Cayman Islands Department of Commerce & Investment (DCI) The DCI is responsible for the grant and regulation of licensing for most businesses in the Cayman Islands. They also process all liquor and tobacco licenses as well as cinema licenses and film ratings. They ensure that business owners comply with Cayman’s legislative and regulatory framework for commerce, and ensure that trade and business operations conducted in the Cayman Islands adhere to local and global requirements. Visit www.dci.gov.ky.

City and Cayman Maritime & Aviation City. CEC enables businesses to easily and cost-effectively establish a genuine physical presence with staff and offices, to generate active business income in the Cayman Islands where there is no corporate, capital gains, sales or income tax. Cayman’s SEZ enable companies to take advantage of the Islands’ jurisdictional benefits, along with a series of appealing concessions granted by the Government. Cayman is an ideal business jurisdiction and is OECD white listed, meeting the highest anti-money laundering compliance requirements. Concessions and Reasons to Relocate to CEC


100% exempt from corporate, capital gains, sales and income tax in the Cayman Islands

>> >> >>

100% foreign ownership permitted 100% exemption from import duties Renewable five year work/residency visas granted within five days

>> >> >> >> >>

Intellectual Property can be held by a zone company and licensed internationally from this tax-neutral jurisdiction. Many CEC companies avail themselves of the benefit of establishing their IP offshore early, as part of their overall business strategy, in order to maximise the value of this key asset for the whole of the company’s life cycle, avoiding costly migration issues later. Access to Global Markets

4-6 week fast-track set-up of operations

Companies are setting up within CEC and utilising the zone as a catalyst to increase global growth from a tax-neutral location.

Intellectual Property owned offshore Appropriate level government reporting


Strategic base with easy access to lucrative North and Latin American markets

Set-Up Process

On NYC/EST time zone

CEC offers businesses very flexible packages which include fully serviced offices, use of the business centre facilities, the Trade Certificate to operate the business and the Zone Employment Certificates (work/ residency visas) for their staff. Set-up can be expedited within 4-6 weeks. CEC also provides offshore data-centre facilities through their strategic partner Brac Information Centre. For more information email: info@caymanenterprisecity. com, call (345) 945 3722 or visit www. caymanenterprisecity.com.

companies active in these key sectors: Internet and Technology Media and Marketing (including digital media, film and broadcasting) Commodities and Derivatives Biotechnology, Life Sciences and Green Technology


Intellectual Property


CEC can accept companies and divisions of

>> >>

CEC enables businesses to immediately relocate key staff from any country of origin to the Cayman Islands, particularly those that may not be able to get visas for the US or Canada. CEC companies can obtain five year work/residency visas for personnel within five working days.

Five year residency for employees and their

Eligible Market Sectors

>> >>

Work/Residency Visas for Staff



a tax-exempt active business income in the Cayman Islands.

Maritime Services and Aviation Services

Why Companies are Establishing in CEC: Global Tax Mitigation Companies are using CEC as part of their global structuring strategy, as it provides them with the opportunity to costeffectively establish a genuine physical presence offshore, which can significantly enhance their competitiveness in the global marketplace and enable them to generate

TRADE & BUSINESS LICENSING Subject to limited exceptions, in order for an individual, partnership or company to conduct business in or from the Cayman Islands, an application must be made to the Trade and Business Licensing Board for the grant of a T&B Licence. The T&B Licence fee is payable every year and the application


www. c a y m a n r e s i d e n t . c o m




for renewal must be made at least 28 days before, but not more than three months before the date of expiry of the licence. It is an offence to operate a business in the local market with the public of the Cayman Islands without a valid T&B Licence or an alternative licence (unless exempted). A company wishing to carry on business in the local market with the public of the Cayman Islands, which does not have at least 60% Caymanian ownership and control, will also require a Local Companies (Control) Licence (LCCL) from the Trade and Business Licensing Board (unless it is otherwise exempted from such requirement). Each LCCL application is considered on its own merit and all relevant forms and information for both LCCL and related T&B Licence applications are readily available online at www.dci.gov.ky. Incorporation/Registration If you wish to incorporate or register a Cayman Islands entity that will conduct business outside of the Cayman Islands, you are required to engage a local licensed service provider to incorporate your company. This is a seamless process and most firms also provide these services: registered office, corporate administration, directors and other officers and management of the company on the instruction of the beneficial owner(s). Online registration is now available and accessible through local licensed service providers. This is a secure access and not available to the public. Read on to see a list of top firms under Corporate Services. It

should be noted that persons wanting to register an ordinary resident company may apply for registration directly. Contact the Registrar of Companies on Tel: (345) 946 7922, Ground Floor, Government Administration Building, 133 Elgin Avenue, George Town. Application Process Your locally licensed service provider will: 1) Contact the Registrar of Companies and ask if the company name you want is available; 2) Prepare the following documents (but other documents may be required based on the type of company you are incorporating): 3) a) Memorandum of Association; b) Articles of Association.

The Registrar does not require details of the proposed business as the Companies Registry does not maintain information on business nature, only type as classified in the Companies Law (such as resident, non-resident, or exempted companies). The fees for incorporation vary depending on the type of company and share capital. For a typical resident company with a share capital of less than CI$42,000, the fee is CI$300 and for an exempt company, the minimum fee would be CI$600. Your local service provider will have their own fee list. The company is deemed incorporated on the day the incorporation documents and fees are submitted to the Registrar, provided that the incorporation documentation is in good order. The processing time is approximately three to four business days, unless submitted on an express basis (an additional fee of CI$400 applies to express

Delivering robust corporate services that combine structuring, multi-jurisdictional advice, and industry expertise to deliver tailored solutions. Solaris Corporate Services (SMP Partners) Royal Bank House, 3rd Floor, 24 Shedden Road, P.O. Box 1586, George Town, Grand Cayman, +1 345 949 9107 info@solariscorporate.com




processing) in which case, the application will be processed within 24 hours during business days. Company Registry Fees The registration and annual fees for any company are dependent on the size of the authorised share capital. Also worth noting is that annual fees and annual returns are due in January of each year, but the Companies Registry is under no obligation to notify the company that the fees are due. If these fees are not paid by the 31st March (of each year), they begin to accrue penalties up to 100% of the fee. Every company is responsible for paying these annual fees and filing the returns. If it has not been paid nor filed, the company is subject to being struck off the register after being in default for one year. If the company had assets at the time it was struck off, those assets will become the property of the Government of the Cayman Islands. If you were ignorant of the fact that annual fees and returns were due, your company could be struck off without your knowledge. This is one of the benefits of using a locally licensed service provider, as they will process the annual paperwork and remind you of the amount and timing of annual fees. Their fees are a lot less than the fees you would pay to an attorney to make the necessary application to the Cayman Court for the company to be reinstated to the registry! Corporate Services The following are a few of the locally licensed corporate service providers who can assist you with the incorporation process. The usual fee for their services is between US$750–US$1,750, excluding Government filing fees. The other services they offer include: the provision of a registered office; maintenance of statutory registers; handling of annual returns; drafting resolutions and minutes; providing certified documents; getting documents apostilled and notarised; updating the register of officers, shareholders and directors; maintaining the minute book; assisting with corporate restructuring; revisions to the memo and arts, and some

also provide director services.

FG Services Limited

McGrath Tonner Corporate Services Limited

Tel: (345) 815 2800

Tel: (345) 949 2740


Email: cayman@francisgreylaw.com

Email: info@mcgrathtonner.com

Bodden & Bodden Attorneys at Law / Bodden



Corporate Services

FG Services Limited (FG) is the corporate


Tel: (345) 943 0303 or (345) 945 0400

services affiliate of FrancisGrey, Attorneys-

services to both local and international clients,

Email: hello@boddens.ky or www.boddens.ky

at-Law. FG provides company and partnership


Boddens specialises in the establishment and



structuring of local businesses including trade

property services. FG is a licensed Corporate

rates. Company and partnership formation,

and business and local company licencing,

Services provider and a registered Intellectual

registered office and maintenance of statutory

incorporation and registered office services


records, representative person, shipping and

offering a full range of corporate administration

Patent & Designs).

registered office and intellectual





services. They also offer comprehensive












aircraft registration, as well as other corporate services. SE E AD PAG E 59

immigration and employment law advice.

Harneys Fiduciary

SE E AD PAG E S 60, 83 & 146

Tel: (345) 949 8599

Mourant Governance Services

Email: cayman@harneys.com

Tel: (345) 949 4123



Email: caymanadmin@mourant.com

Tel: (345) 949 2648

Harneys Fiduciary is an independent provider



of specialised corporate, trust and fiduciary


Campbells Corporate Services Limited (CCSL)

services operating from key offshore and


holds an unrestricted trust licence issued by

onshore locations around the world to an

administration, accounting and governance

the Cayman Islands Monetary Authority and

international client base. They tailor their


provides a full suite of company management

services to meet the needs of their clients

experienced professionals in the Cayman

and trust services to local and offshore clients.

quickly and without compromise. SE E AD PAG E 54

Islands, Guernsey, Hong Kong and Jersey.


comprehensive through


range a



delivers fiduciary, team


HSM Attorneys-at-Law

agents; provision of registered office; provision

Cayman Management Ltd.

Tel: (345) 949 4766

of company secretarial and administration

Tel: (345) 949 4018 Fax: (345) 949 7891

Email: corporate@hsmoffice.com

services and board governance support.

Email: enquires@caymanmanagement.ky



HSM provides corporate services in a responsive,

Ritch & Conolly Corporate Services





timely and cost effective manner. Their services

Tel: (345) 949 7366



include incorporation of companies, assisting in

Email: info@rc.com.ky

administrative services including company

establishing bank accounts, preparing and filing





applications to the Registrar of Companies and

Ritch & Conolly’s regulated affiliate, Foreshore




the handling of re-domiciliation and transfer of

Corporate Services Ltd., provides corporate

companies. SE E AD PAG E S 58, 77 & 95

management services, including incorporation






management, independent insurance


through their affiliate, yacht and aircraft


registration services - all with a personal, time

companies, registered office and administrative

responsive touch.






Dentons Tel: (345) 745 5000 Email: info.ky@dentons.com www.dentons.com Dentons assists in the establishment of all types of Cayman companies for local, offshore or Special Economic Zone purposes, and advises on structuring/licensing for all forms of business and investment funds. Real estate conveyancing, immigration, estate planning and notarial services are also offered. SE E AD PAG E 7

FG Services Limited Company & Partnership Formation Registered Office Services Intellectual Property Agents (Trademarks, Copyright, Patent & Designs) T] 345 -815-2800 F] 345-947-4728 E] cayman@francisgreylaw.com W] www.francisgreylaw.com 72 Market Street, Camana Bay


www. c a y m a n r e s i d e n t . c o m



Services include: incorporation and registration



services. The firm also handles related

corporate and partnership entities in all major

immigration work including work permits and


SE E AD PAG E S 41 , 42 & 64

applications for the grant and renewal of Trade and Business Licences. SE E AD PAG E 147

Sinclair Corporate Services Tel: (345) 743 2626 Email: info@sinclairsoffshore.com www.sinclairs.com.ky The dynamic and rapidly growing Sinclair Group offers practical, responsive and cost effective Cayman business solutions. It is registered as a trade mark agent and licensed by CIMA to undertake corporate and directors services. Contact them for company formations, registered





compliance officer appointments and directors’ services, ship registrations, as well as notarial and legal services through experienced English


qualified lawyers. Solaris Corporate Services/ SMP Partners Koriel Drummond, Senior Manager, Corporate & Institutional or Angella Williams-Myers, Senior Trust Manager 3rd Floor, Royal Bank House, 24 Shedden Road, George Town Tel: (345) 814 4825 or (345) 814 4814 Email: koriel.drummond@smppartners.ky, angella.williams-myers@smppartners.ky SMP can satisfy your business’ diverse needs with




corporate solutions. A flexible and commercial approach allow effective management of all aspects of company or partnerships’ affairs, through full company secretarial services, registered office facilities, and the formation of

Independent Directors - Cayman The Cayman Islands is the leading offshore domicile for hedge funds, and as regulators and investors have placed more stringent requirements on good governance and oversight, independent directors have taken up the mantle of supporting the asset management industry. In 2014, the Cayman Islands Monetary Authority (CIMA) introduced its directors’ registration law, which was followed up in 2017 by the administrative fines regime, which provides the regulator with guidelines on how to impose penalties on funds and their operators for noncompliance. Penalties can range from CI$5,000 to CI$1,000,000 depending on the severity and scope of the breach. Most new hedge funds have at least a majority of independent directors on their boards, many of whom are seasoned professionals based in Cayman. A few well known firms of independent directors based in Grand Cayman include the Carne Group, HighWater and ICG Management Limited and law firms, such as the Maples Group and Ogier. Cayman had come under pressure from institutional investors and overseas regulators (such as the IOSCO) to enhance its regulatory regime in relation to governance and anti-money laundering monitoring. By taking these steps Cayman stays competitive with Dublin and Luxembourg, as it seeks to strike

a balance between being sufficiently regulated, without the regulations being overly burdensome, and therefore keeping Cayman attractive to new investors. Cayman Management Ltd. Tel: (345) 949 4018 Email: enquiries@caymanmanagement.ky www.caymanmanagement.com Provides




as well as affordable company registration and incorporation services for local and international include:








registration, fund services and advisory services. Their affiliate CSI International Underwriting (Cayman) Limited offers captive insurance management services to clients. SE E AD PAG E 62

Fund Administration The Cayman Islands remains the premier jurisdiction for the domiciliation of hedge funds. As of March 2019 CIMA had 10,916 Regulated Funds which comprised of 7,601 Registered Funds, 310 Administered Funds, 75 Licensed Funds and 2,930 Master Funds. In addition there are 85 Administrators currently licenced in the Cayman Islands. SMP Partners (Cayman) Koriel Drummond, Senior Manager, Corporate & Institutional Royal Bank House, Third Floor, 24 Shedden Road, George Town, Grand Cayman Tel: (345) 814 4825 Email: koriel.drummond@smppartners.ky SMP offers a full suite of fund services including structuring and establishment of


the fund, shareholder servicing, liaising with legal advisers, day-to-day administration and accounting, and maintaining statutory records. We offer advice and support for investment fund structures domiciled in most jurisdictions and encompassing all investment types. SE E AD PAG E S 41, 42 & 64

swpcayman.com/storage/recovery 66



OPENING BUSINESS ACCOUNTS To open a business bank or trust account in the Cayman Islands, you will need to complete a

very detailed application, as well as provide the following information:

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Full incorporation paperwork Written request to open a new account on company letterhead giving an overview of the business (e.g. clients, number of staff and how revenue is generated) and reason for needing the account

>> >>

Bank references from a current bank Certificate of Incorporation, certified by a Notary Public


Annual report, financial statements, auditors reports or business plan


Certificate of Good Standing, if business is older than one year


Register of Members, Officers and Directors, certified by the registered office or a Notary Public


The identity of each ultimate beneficial owner, director and signatory; this must be supported of residential address If the business is conducted within the Cayman Islands, a copy of the current Trade and Business licence


Professional reference from an accounting or law firm and a professional reference from a bank that indicates a good relationship of over three years


Nature and dollar volume of anticipated transactions, including source of funding of initial and subsequent deposits. This can be provided from a copy of the Business Plan if the company is new or latest Financial Statements if the company is already operating

>> >>

Tax declaration form

Employee Entitlements Cayman’s current Labour Law (2011 Revision), sets out the minimum entitlements that must be provided by an employer to its employees. There is no requirement for the employer to provide a contract of employment, but the terms and conditions of the job are required to be set out in a statement and provided to the employee shortly after commencing employment. Essentially, the minimum terms and conditions for leave, set out in the Labour Law, include two weeks annual vacation, increasing up to three weeks after four years and four weeks after 10 years of service. This is in addition to the (approximately) 11 public holidays scattered throughout the year. Employees are entitled to 10 paid sick days each year and 12 weeks maternity leave (20 days of which are at full pay and a further 20 days at half pay). Nine weeks adoption leave is available for female employees (of which 15 days are at full pay). Upon termination of employment by the employer, there is an entitlement to severance pay, equal to

one week’s pay for each completed year of service. There is a statutory unfair dismissal scheme which provides compensation equal to one week’s pay for each completed year of service. Health Insurance & Other Benefits Employers are required to ensure that all employees, their unemployed spouses and dependents have health insurance. Employees are also entitled to a pension plan. Similar to other parts of the world, employers may offer enhanced benefits to prospective employees and it is not uncommon to see employers offering enhanced vacation leave, relocation expenses, additional pension contributions, bonus options, upgrades to premium health insurance and private school fees. It can be very expensive to move household items to Cayman and different employers will have more or less generous relocation packages, so review the offer of employment carefully. Many employers offer attractive health insurance packages for their employees. See the list of Health Insurance Providers in the Health & Wellness chapter. BUSINESS SERVICES

Accountancy & Law Firms See the Working in Cayman chapter for a list of accounting and legal services. Advertising Agencies, Social Media Consultants & Web Design Services The Cayman Islands has a great selection of creative agencies providing exceptional

All directors, members and signatories to supply all information needed for a personal bank account, including certified copy of partnership agreement.

If there are more than a nominal number of shareholders, the bank requires identification and references for the principal shareholders who own 10% or more of the shareholding, directors and officers responsible for the operation of the account. Companies incorporated in other countries require notarised documents to verify the bona fides of the company. Each bank in Cayman will

Commercial Insurance Brokers Commercial Property • Group Health • Executive Homes • Strata • Liability

(345) 945 0030

www.briatgroup.com | info@briatgroup.com


www. c a y m a n r e s i d e n t . c o m




by a certified copy of their passports and proof


OTHER FORMALITIES Work Permits All businesses will require work permits and/or other relevant permissions for any non-Caymanian staff engaged in gainful employment in the Cayman Islands. Details of such requirements can be found in the Immigration chapter.

Articles and Memorandum of Association, certified by a Notary Public


have a minimum amount required to open a business account.

advertising, marketing, branding and public relations services, that can provide you with the right tools to promote your business on-Island. These include Aguru Limited (Tel: (345) 949 70570), BB&P Brand Interactive (Tel: (345) 949 2933), Fountainhead (Tel: (345) 945 8188), FSH Design (Tel: (345) 947 8755), MC2 (Tel: (345) 946 1220), Massive Media (Tel: (345) 947 6677), Netclues Inc. (Tel: (345) 925 2222), Not Your Standard Agency (Tel: (345) 745 6972 or www.notyourstandardagency. com), Savage Social (Tel: (345) 326 3333), Social Grace (Tel: (345) 328 1552, email: sonita@socialgrace.ky or www.socialgrace. ky), Tower Marketing (Tel: (345) 623 6700), and Wigglypen (Tel: (345) 916 8562).


Bookkeeping Services HLB Berman Fisher Tel: (345) 928 4751


Email: lauren@bermanfisher.com www.bermanfisher.com Qualified




Email: info@omnicayman.com www.omnicayman.com Omni Cayman are Certified QuickBooks Pro Advisors offering professional accounting services. They have a team of qualified professionals with over fourteen years’ experience with Cayman’s top firms such as Deloitte, KPMG and BDO. Omni provides full service professional outsourcing, as well as individual and corporate US Tax filing and consulting services.

Business Insurance Whether you run a small one-office operation or a large enterprise with multiple locations, it is important that your business is fully protected against on-the-job injuries or property damage, whether it is caused by fire or a hurricane. Some businesses may even need to have professional indemnity coverage for their workers. To find the right insurance plan for your business, call one of Cayman’s top providers on page 123 in the Settling In chapter.

reviews, outsourced professional accounting, interim CFO and advisory services to both local and offshore clients. Services include audit, review, compilation, payroll, accounting (corporate, personal and strata), internal audits, financial statement preparation, agreed upon procedures, valuations, liquidation and forensics. HLB Berman Fisher also provides training and coaching to finance teams along with implementation of policies and procedures. SE E AD T H I S PAG E Omni Cayman Tel: (345) 547 4473

Business Security Although Cayman has one of the lowest crime rates in the region, the Royal Cayman Islands Police (RCIPS) is taking a proactive approach to mitigate any criminal activity within the business community. In addition to their normal policing activities, the RCIPS run a Business Watch programme along the Seven Mile Beach corridor and the George Town waterfront that allows business owners to report any suspicious behaviour. You may direct reports to PS Jonathan Kern (Email: jonathan.kern@ • Audit • Accounting

We build relationships with you to help you succeed!

345.928.4751 Sussex House, 128 Elgin Avenue www.bermanfisher.com | lauren@bermanfisher.com HLB Berman Fisher is a member of HLB International




Anti-Business Fraud Hotline In 2017, the Government established a whistle-blower hotline in order for civil servants and members of the public to report government fraud or any breaches in ethics anonymously. The number for the toll-free hotline is Tel: 1 (800) 534 1111. All calls to this hotline are monitored and answered overseas by a KPMG trained operator. Callers can expect to receive a tracking number, which can then be used as a reference if they need to make a followup call. Persons who wish to make a report by email must use fraud@kpmg.co.za and are encouraged to visit the Anti-Fraud Policy website at www.fraud.gov.ky if they require more information. All claims of fraud or allegations will be investigated by Cayman’s Internal Audit Services. The authorities strongly discourage frivolous or malevolent tips.

• Review

Office Supplies, Printers & Electronics

• Liquidations


• Valuations

Tel: (345) 949 8251

• Agreed Upon Procedures

Email: sales@alphasoft.com.ky

• Financial Statement

Alphasoft is an authorised dealer and service

• Preparation

provider for Hewlett-Packard (HP) hardware.

• Payroll

We’re more than just numbers people...

rcips.ky or tel: (345) 649 4222) or use the new mobile app by visiting their website at www.rcips.ky. Additionally, reports can be made anonymously via the RCIPS call centre in Miami, Tel: 1(800)TIPS. By reporting even the smallest annoyance, the police can recognise if a trend is occurring in your area and jump on the problem before anything big happens. If you witness a crime or are being threatened at your business, please contact 911 directly. The RCIPS plans to launch the Business Watch programme in other areas in the future, as well as expand all Community Policing. If you need to improve the security at your business, there are companies that provide services from 24-hour security monitoring to installing alarm systems.

• CFO Services • Accounting & Quickbooks Training

Cayman Business Machines Ltd/PBS Group 49 Hospital Road, George Town

Tel: (345) 949 8642 www.caymanbusinessmachines.ky CBM/PBS



on the Waterfront in GT (Tel: (345) 949 8368 or email: PLDdirector@museum.ky) with the Museum accepting donations in exchange for the use of their facilities and Sunshine Suites (Tel: (345) 949 3000 or email: sales@sunshinesuites.com). Cayman Islands National Museum



for Xerox, Solutions, Lenovo, SMART, L3 Securities, Cisco, Oracle, TrippLite, Data Card and NCR.

Email: info@swpcayman.com www.swpcayman.com SWP has a world class Level III UL-rated vault housed within a Category 5 hurricane shelter for cryptocurrency cold storage and corporate data recovery services. The company provides a bespoke service to both individuals and companies seeking to store their digital assets

Kirk Office 67 North Sound Road, George Town

Corporate Office Cleaning

securely offline and/or implement a disaster

Tel: (345) 623 5475

Hew’s Cleaning Services

recovery plan involving the secure storage


Tel: (345) 949 0734

of data, documents and other valuable items.

Kirk Office has been making offices beautiful


Your physical material can be stored in fire and

and functional for more than 20 years. Whether

Hew’s are a family owned and operated

tamper evidence poof bags and padlocked in

remodelling the entire office or just need an

company and have been in the Cayman Islands

waterproof Pelican cases. Daily pick-up and

extra workstation for your growing team,

since 1977. All their work is safe, professional,

drop-off are available for clients who wish to

their furniture experts are happy to help. They

trustworthy, efficient, friendly and caring.

rotate data daily. SE E AD PAG E S 43, 66 & T H I S PAG E

offer a great selection of office, breakroom,

They specialise in maid services, offices,

janitorial and sanitation supplies. Over 6,000

floors, carpets, upholstery, marble, windows,

IT Services & Support

items in stock and over 30,000 available in

janitorial, mould and microbial remediation,

Cayman Mac Store

their catalogue. Kirk Office offers easy online

water and fire restoration, as well as post-

Tel: (345) 943 4763

ordering plus fast & free delivery. They also

construction cleanup. SE E AD PAG E 170

Cayman’s Apple authorised reseller and service provider, with a full range of Apple products.

offer custom printed stationery, folders, copying services. SE E AD PAG E 70 Office Supply Ltd. Marquee Plaza, 36 Lawrence Boulevard, SMB Tel: (345) 946 1200 Email: info@officesupply.ky www.officesupply.ky Office Supply Ltd. is an office products superstore stocking everything from arts, furniture, crafts and office supplies to tablets, high spec copiers and printers. Packed with electronics and accessories, they offer full IT

Disaster Recovery Services Occasionally the Island can be affected by hurricanes, and no business is completely safe from equipment failures, fire and a possible cyber-attack/virus. Disaster recovery options include preserving critical material and hard drives in a separate secure physical site to allow you to restore your business back to its full operational capacity as soon as possible. Cayman also has world-class facilities for cold storage of cryptocurrencies and corporate data recovery services.

Creative Tech Shops 5-6, Bay Town Plaza, West Bay Road Tel: (345) 946 8324 Email: info@creativetechltd.com www.creativetechltd.com Creative






leader in the market for HCM, ECM and Workflow application Solutions as well as IT infrastructure, Document Solutions, Conferencing Systems, A/V Systems and Automation. Creative Tech is focused on identifying cutting edge technologies to provide customers with real solutions to their

support and repairs, plus a printing centre. They are the exclusive dealer for SHARP business

Strategic Wealth Preservation (SWP)

business challenges. They are authorized

machines and Aquos boards.

Tel: (345) 640 2111

partners major brands including Dell EMC,

Conference & Meeting Facilities A host of large international conferences are held in Grand Cayman at The Ritz-Carlton, the Marriott and the Kimpton Seafire Resort. There are also a handful of very professional and well presented places that can host smaller conferences or business meetings often with catering options. These places include Cannon Place (Tel: (345) 945 3517), the Caribbean Club (Tel: (345) 623 4500), Cayman Conference Centre (Tel: (345) 949 5511 or email: operations@mpcl.ky), The




www. c a y m a n r e s i d e n t . c o m



stamps and business cards, as well as printing/







businesses in Cayman, they are also a

Tel: (345) 946 8324

Polycom to name a few.

printing centre.

Email: info@creativetechltd.com

Kirk iSS

Notary Public/Justice of the Peace Notary Public or Justice of the Peace (JP) services are available either through law firms or from independent operators. JPs usually do not charge, but they are somewhat limited in the documents they can certify. Have your passport or driver’s licence handy when you need their services as they need to verify your details and write your passport number in their records.The fee to be a Notary Public is CI$800 per year. (Visit www.judicial.ky to find a complete fee schedule and a list of all Notary Publics and JPs that are in good standing.) You will be expected to pay a Notary Public in the region of CI$25 per stamp, though some charge less if it is just a simple matter. Some will also charge a call-out fee if you want them to visit you to notarise documents. Here are some active Notary Publics you may contact:

www.creativetechltd.com 67 North Sound Road, George Town Tel: (345) 623 4730 www.kirkiss.ky The 2019 Microsoft Partner of the Year for the Cayman Islands and a Microsoft Cloud Solutions Provider, Kirk ISS provides hardware and IT services for businesses of all sizes. They hold over 100 certifications in areas such as networking, security, servers, storage and disaster recovery. SE E AD T H I S PAG E

Office Supply Ltd.


Tel: (345) 946 1200 Email: info@officesupply.ky www.officesupply.ky Office Supply Ltd. has one of the largest


selections of office supplies on-Island and is the exclusive dealer for SHARP business machines and Aquos boards. In addition to offering full IT support and repairs to

Creative Tech is a leader in the market for HCM, ECM and Workflow application Solutions as well as IT infrastructure (servers, storage, networking and PC’s), Document Solutions (printers, copiers, associated apps, etc.), Conferencing Systems, A/V Systems and Automation. With over 19 years’ experience, Creative Tech is focused on identifying cutting edge technologies to provide customers with real solutions to their business challenges. They are authorised partners major brands including Dell EMC, VMware, Oracle, Kronos, Kyocera and Polycom to name a few. The Security Centre Limited Tel: (345) 949 0004 Email: info@security.ky From





edge systems, The Security Centre has a comprehensive range of products and services designed to cover all your commercial security requirements.

Baysyde Biz 27 Duxies Lane, West Bay

Work Smarter!

Tel: (345) 917 5756 Email: baysydebiz@gmail.com Baysyde Biz can notarise documents during

You have enough going on at work. Get everything you need in one place.

normal business hours and in the event of an emergency, outside normal business hours from 6am to 8am and from 5.30pm to 11pm. This

Office Supplies

company also provides secretarial services

Office Furniture

operating in the Cayman Islands.

to private individuals and small businesses

Computers & Accessories


IT Support

Tel: (345) 745 7529

Document Solutions

Email: info@sinclairsoffshore.com

In-House Service

The dynamic and rapidly growing Sinclair

www.sinclairs.com.ky Group offers practical, responsive and cost

Authorised Partner:

effective Cayman business solutions, including notarial services through its two notaries. The standard charge is CI$25/US$30 per notarised document.

Office Automation & Electronics 67 North Sound Rd. kirkoffice.ky 70

Creative Tech



Professional Training A lot of the professional training opportunities available in the Cayman Islands cater to those in the financial services industry. However, there are other excellent training options that include medicine, nursing, veterinary, law, accounting, banking, human resource management and education. There are also vocational training courses relevant to the construction industry, as well as nanny certifications, CPR courses and numerous computer and language courses. See the Education chapter for information on training and educational opportunities.

Shops 5-6, Bay Town Plaza, West Bay Road


Tax Advice Receiving professional tax advice may be essential when running a multijurisdictional operation in the Cayman Islands, as certain countries require special reporting. Tax advisors in the Cayman Islands usually have specific legal and financial expertise and also advise private

individuals on tax related matters. They may also offer a range of services including providing advice on shareholder tax planning, international tax structuring for multijurisdictional transactions, compliance prior to an overseas acquisition, to employment matters and reducing a business’s tax burden, as well as protecting and exploiting intellectual property. See the Immigration chapter for tax advisors.

net basis from US$42 to US$55 sq ft per annum in the class A to A+ market sector with the highest rents in Camana Bay to US$30 to US$42 per sq ft. in the Class B+ to A- market sector, falling to US$20 to US$30 psf pa in the Class B market. CAM charges range from between US$15 to US$18 psf pa in developments such as Cricket Square and Camana Bay where infrastructure costs are higher to between USJB$12 to US$14 psf pa in standalone office buildings in other locations. Retail rates vary from US$40 psf pa on Seven Mile Beach to the highs of Harbour Drive, Cardinall Avenue and Fort Street where rates of US$80 to US$130 psf pa are achievable. More recently, as gross rent rates in developments such as Camana Bay and Cricket Square have risen to between US$60 – US$73 psf pa, increasing numbers of tenants are now choosing office space located in buildings within George Town centre once again. As such, the current prognosis for


COMMERCIAL OFFICE SPACE The Grand Cayman commercial space rental market is one of the strongest in the Caribbean region, with high demand for all classes of space traditionally in the region of 75,000 sq ft to 125,000 sq ft per annum. The primary source of demand comes from the offshore financial sector, including law firms, accounting practices and insurance/ reinsurance firms. From a retail market perspective, the cruise ship duty free sector is a dominant force, particularly within George Town. The market comprises close to 4 million sq ft of space in all classes, which breaks down to roughly 1.25 million sq ft of Class A office space, 1.75 million square feet of Class B space and close to 300,000 sq ft of retail. Class A cruise ship/duty free retail locations are rare and transact at high value. Average vacancy rates vary by class and location, from as low as 2-3% for Class A+ to A space, 5-10% for Class A- to B+ and around 15%-20% for Class B and C space.

Member of CIREBA


www. c a y m a n r e s i d e n t . c o m




Translation Services The WORC requires that all documents (i.e. medical and police clearance forms) being submitted from non-English speaking countries must first be translated into English and the translated copy notarised. Places that can help you do this include Baraud (Tel: (345) 945 1781 or email: translations@baraud.com) and the Modern Language Institute (Tel: (345) 943 8254 or email: modernlanguages11@yahoo. com). The latter also offers interpreters and multilingual support for depositions, court appearances, conferences and meetings.

Within these averages, there is a wide variety of vacancy rates, for example, some Class B properties in central George Town have vacancies of between 25% to 35%. This has been largely due to the exodus of larger corporate tenants from the typically older buildings in George Town centre to the master-planned community of Camana Bay or edge of town development corridor of Elgin Avenue, such as Cricket Square. That said, we are starting to see a slowing down of that trend, and an increasing uptake in the George Town market as buildings have been renovated, and sometimes repurposed, and landlords have offered attractive rents and other incentives to retain tenants. Class A to A+ space is predominantly now found in development-type locations such as Camana Bay and Cricket Square on Elgin Avenue and in parts of the harbourfront where redevelopment has occurred. Other buildings have been renovated to a high standard where viable. Office space rental rates range on a triple

George Town looks very positive, especially bearing in mind the potential for the new cruise ship dock to bring new restaurants, retail, entertainment and possibly boutique hotels as part of the rejuvenation of the town centre, including the planned pedestrianisation of Harbour Drive, Cardinall Avenue, Albert Panton St and Fort St. It is anticipated that once these changes occur, rental rates in the cruise ship retail market will likely escalate exponentially.

Office Space Availability If you are planning to lease office space in Cayman, you should speak with a realtor who specialises in corporate rentals. Though many of the real estate companies listed in the Finding a Home chapter can help you with residential rentals and sales, only a few agents on-Island specialise in commercial properties.

Email: victoria.hopcroft@rpmcayman.com www.cannonplace.ky Cannon Place is a well-established Business Center, with 51 Retail/Office rental spaces. Pay by the hour for fully-equipped conference and training rooms, including facilities, furniture, high-speed internet and a staffed reception. Whether you are a small start-up hoping to gain a foothold or an experienced business looking to expand your operation, Cannon Office Suites

Cannon Place

can provide the ideal working space for you.

Tel: (345) 945 3517 or (345) 326 1903


Dart Realty (Cayman) Ltd. Tel: (345) 640 3600 Email: leasing@dartrealestate.com www.dartrealestate.com Dart Real Estate has developed more than $1.3


billion in mixed-use, residential, commercial, recreational,




properties in the Cayman Islands. Among its leasing portfolio is Camana Bay, which boast


over 850,000 square feet of retail, office and residential space, as well as Regatta Office Park and Flagship Building. Each property is serviced by a world-class property management team. SE E AD PAG E 137

International Realty Group IRG/Jeremy Hurst Tel: (345) 623 1111 Email: info@irg.ky or www.irgcayman.com IRG - International Realty Group specialises in the Cayman Islands’ luxury residential and commercial real estate investment markets. Our team of commercial property specialists provide brokerage, advice and support in relation to: tenant and landlord representation, commercial property leasing, international relocation and residential real estate. Heritage Holdings Ltd. Tel: (345) 945 4204 or (345) 943 4929 Email: info@heritageholdings.ky www.heritageholdings.ky A property development and management company specialising in commercial properties. Properties




Countryside Shopping Village and Kingbird, Barcadere and Universal Warehouse Parks in the Industrial Park area. Office Suites are available at Centennial Towers and for rent at 72



Countryside Shopping Village.


RE/MAX Cayman Islands/ Michael Binckes Tel: (345) 938 3269 Email: michael.binckes@remax.ky readyspaces Tel: (345) 640 3600 Email: info@readyspaces.ky

Office Space Planning & Design Grand Cayman has a few well known architectural firms that have qualified interior designers on staff who specialise in interior design for commercial premises and can take a new or existing office and create a space to suit the requirements of your business. To find an interior designer in Cayman please see page 178.

www.readyspaces.ky They offer new fully serviced office suites along the Seven Mile Beach corridor offering 25, turnkey 1-2 person offices available for lease on flexible, month-to-month terms. Located in Regatta Office Park with great proximity to shops, hotels and restaurants. readyspaces is the perfect solution for startups, small or growing businesses in the Cayman Islands. SE E AD PAG E 61

Rhulens Cayman Tel: (345) 938 1000 Email: sloane@rhulens.com www.rhulens.com / Member of CIREBA

FITTING OUT YOUR OFFICE Telephone, Internet & Data There are 4 main telecom service providers on-Island: C&W Business, FLOW, C3 Pure Fibre, Digicel and Logic offer a varying range of services and delivery mechanisms. FLOW and Digicel offer mobile phone service, both offering LTE data with speeds comparable to the US and Europe. Signal

Rhulens offers comprehensive commercial real estate solutions with over 22 years of industry experience. If you are a Tenant looking to relocate, sublease, renegotiate or expand, or an Owner/Developer looking to lease or sell assets, Rhulens provides the expertise and strategic advice to help you achieve your goals. SE E AD PAG E 71

The Process of Setting Up an Office The length of time required to set up an office in Cayman largely depends on the condition of the space that your business will occupy. The simplest offices can be set up in four to eight weeks, however, this is uncommon. By the time a design has been finalised, interior finishes have been chosen, furniture ordered, IT systems specified and work permits and licences granted, you should expect about four to six months to have passed. Tenants may be required to submit fit-out plans to the Planning Department for building code approval.

Smaller units on 2nd available


926-3674 or 943-4929



www. c a y m a n r e s i d e n t . c o m




New York Tel: 1 (917) 836 9108

Costs to Prepare Office Space Costs depend on a number of factors, including the existing condition of the space and the quality of the final product you desire. Well-fitted existing office space in need of reconfiguration, with partitioned walls and internal offices, a suspended ceiling, fluorescent lighting, air conditioning and power grid already in place, may be prepared for as little as US$50 per sq ft. Finding such spaces has become significantly easier and there is now an abundance of older properties available. New office space with only perimeter walls,

one to two-hour fire rating separation walls and an air conditioning unit with an electrical panel sufficient for the tenants’ requirements, can be found and you may likely spend around US$120-US$200 per sq ft to prepare it to a reasonably high quality fit-out. Some landlords will offer a standard fitout package, or even a fit-out allowance, in the region of US$20-US$40 per sq ft depending on the location. In fact, some landlords in older buildings are offering full fit-outs at no cost to the tenant to attract quality tenants.

business continuity, virtual data centres. Grand Cayman is serviced by two underwater fibre links: MAYA1 which connects most of the western Caribbean nations, before returning to the US and the Cayman Jamaica Fibre System (CJFS) that takes an alternative route via the eastern Caribbean back to the US. These links have enough capacity to support any type of business and their data needs, with private bandwidth available to guarantee quality of service consistently and when required. Luckily, local providers are increasingly offering managed IT services that grow as your business does, with an easy ‘per user’ or ‘pay as you use’ approach, which removes the need for heavy financial investments as you set up your business on-Island.

or businesssupport@c3.ky www.business.c3.ky or www.c3.ky C3 offers the fastest Internet technology to local businesses. They offer a variety of solutions from small business offerings to more complex enterprise grade solutions such as MPLS and SD- WAN. With their point of presence in Miami and partnerships with industry leaders Equinix and Cogent, they can offer cross connects and peering solutions for ultra-fast connections to the latest Cloud services.


FLOW 638A West Bay Road, Galleria Plaza Tel: (345) 949 7800 www.discoverflow.ky Choose from a range of fast and affordable broadband bundles. SE E AD PAG E 15 Digicel Tel: (345) 623 2499

C3 Pure Fibre

Email: caymanbusiness@digicelgroup.com

409 Walkers Road Tel: (345) 333 3333 or (345) 333 3353


Email: business@c3.ky

43 Eclipse Drive Tel: (345) 745 5555 www.logic.ky

Enable your business with Internet, telephone

Email: business@logic.ky

and business TV solutions from C3 Pure Fibre

business with fast, dependable and reliable

Using fibre technology, Logic provides your internet access.

Fastest network technology available

Small Business and Enterprise solutions (25 Mbps – 1 Gbps)

Fastest on-island response

Dedicated Internet Access(DIA), MPLS and SD-WAN solutions

Fastest Global connections

Express connections to Azure, AWS and Google Cloud available


Gas Supplies for Businesses Clean Gas 277 Sparky Drive, Industrial Park Tel: (345) 233 4427

333.3333 | BUSINESS.C3.KY

Email: gopropane@cleangas.ky www.cleangas.ky Clean Gas provide propane tanks for any sized business, with tanks ranging from



20lb to 200lbs, and to over 2,000 gallons for bulk storage. They provide propane system design and installation, appliance installation, sales, service and maintenance. Their trained and certified personnel regularly inspect all


leased tanks and can perform regular cleaning,


maintenance, and repairs.




quality and data speeds are generally very good across the three Islands, as the topography of the Cayman Islands affords few black spots. Fixed line calling rates are competitive on the International market and the service quality is generally good. Mobile phone service providers in Cayman supply the iPhone, Samsung Galaxy and other smart phones. Always check the cross-carrier rates to help in choosing what’s best for your business. International mobile phone roaming, can be very expensive, but some business plans offer discounted roaming plans for customers that travel often. As a startup business you will be able to procure the usual services, such as Broadband up to 300Mbps, as well as fixed line telephony and more specialist data services such as MPLS (depending on your location). You may want to consider managed IT infrastructure and services being offered by some telecom operators, such as Cloudback up,





233-4427 | CLEANGAS.KY


Tell them you saw it in the

Immigration Passports & Domicile


At Cayman Resident, we are often asked how many days, as a visitor, one can stay in the Cayman Islands. Under the law, a person who has no other basis to enter the Cayman Islands (i.e. a Work Permit) and with no right to residence (i.e. does not have a spouse, parent or grandparent who is a Caymanian and does not hold an express permission based on those circumstances), may be admitted into Cayman as a visitor for a total of up to six months, with extensions permissible in rare circumstances thereafter. However, many people arriving in Cayman will be permitted entry for an initial 30 days only, unless they own property in which they will be staying and can demonstrate an ability to maintain themselves during their stay (described more fully below). If a person is admitted as a visitor and they want to stay longer, and an extension beyond 30 days was not approved on initial arrival, then they have to go to the Department of Workforce Opportunities and Residence Cayman (“WORC”), before their time runs out, fill out an extension form and request to remain longer. Fees of CI$50 are payable for the first extension and CI$100 for each further extension. Note that it can get quite expensive after a few months! However, if you plan well in advance and come prepared with a letter showing you can support yourself and have somewhere to live, you may possibly be given a longer period to stay upon landing. If a visitor is arriving for a significant period, like many of our returning ‘snow birds’ do over the winter period, then they will generally be admitted for up to six months. For this they must show the entry officer their return ticket, a very recent bank or investment

Entry for Visitors/Tourists New Arrivals without Cayman Connections 1. Work Permits a) Full Work Permit (FWP) - Standard Term Limit (9 Years) - Medicals for Immigration Purposes - Change of Employer, Promotions - Dependants of a Work Permit Holder b) Temporary Work Permit (TWP) - Those Not Requiring a Work Permit - Business Visitor’s Permit 2. Government Contract Workers 3. Special Economic Zone Certificate 4. Student Visas 5. Certificate of Direct Investment 6. Business Presence Residency Certificate 7. Residency for Independent Means 8. Certificate of PR for Independent Means

75 76 76 76 76 77 78 78 80 80 80 80 81 81 81 82 82 82

Existing Residents with Cayman Connections 1. Permanent Residency  a) Residency with the Right to Work (PR) - Permission to Continue Working - The Next Step for PR - How to Appeal a PR Refusal b) Residency as the Spouse of a PR c) Residency as the Dependant Child d) Residency as the Spouse of a Caymanian - Death or Divorce from a PR 2. Residency by Entitlement of a BOTC 3. Naturalisation 4. Acquisition of the Right to be Caymanian  - Spouse & Children of Caymanians - Marriages of Convenience

83 83 83 85 85 85 85 86 86 86 86 87 87 87 88

Immigration Services & Consultants Visas & Passports UK & US Domicile & Tax Status

89 89 91


www. c a y m a n r e s i d e n t . c o m



Photos courtesy of Julie Corsetti, Monika Wojtkiewicz and Gary White.

An overview of work permits, employment rights certificates, permanent residency, visas and domicile.


statement showing that they have sufficient funds to support themselves and a hotel/ condo reservation or a lease. This paperwork is looked at very discreetly and returned to the visitor. If the visitor owns a home in the Cayman Islands, and can show the Land Register, then a six month permission will be granted to them and other visitors travelling and visiting with them. NEW ARRIVALS WITHOUT CAYMAN CONNECTIONS

If you are looking to move to the Cayman Islands and are neither Caymanian, nor married to a Caymanian, nor married to a work permit holder or permanent resident, below are the normal ways you can become legally resident:


1) Work Permits a) Full Work Permits (FWP through a Gainful Occupation Licence)


b) Temporary Work Permits (TWP) 2) Government Contracted Workers 3) Special Economic Zone Certificates (SEZ) 4) Student Visas 5) Certificate of Direct Investment 6) Residency



Business Presence) 7) Residence as a Person of Independent Means 8) Certificate of Permanent Residence for Persons of Independent Means

It is worth noting that an overriding principle of Cayman Islands Immigration legislation is that employment and career opportunities are offered to Caymanians before any other nationality. Caymanians are given preference over similarly qualified expatriates and employers must generally take steps to provide training opportunities to Caymanians who have the potential to fill a particular position. With the reality that Caymanians have already become a minority in their own Islands, efforts are made to ensure that a balance of other nationalities exists, so that no other nationality is culturally or numerically dominant. If a Caymanian cannot be found for the position, then preference in employment opportunities is required to be given first to the holders of Residency and Employment 76



Rights Certificates who are married to Caymanians, next to Permanent Residents with the Right to Work and finally, to other persons who are already legally and ordinarily resident in these Islands (including existing work permit holders and their approved dependants). As a general rule only if these categories of persons are unavailable for a position will a permit be granted to a person who is from overseas. 1. WORK PERMITS a) Full Work Permit (FWP) These allow a person to work and remain in the Cayman Islands for a specified period of time. All work permit fees are the responsibility of the employer. The law prohibits employers from requiring employees to pay any part of such fees. Annual fees range from nil (for positions in education) to up to CI$32,400 for the most senior positions in the legal industry. It is an offence for any non-Caymanian engaging in gainful occupation (and who is not expressly exempted from the work permit regime) to engage in gainful occupation in the Islands without a work permit or alternative permission. Although statements to the contrary have been expressed, it is the our view that even persons working for businesses outside the Cayman Islands must, under the legislation as it stands, have a work permit (or other permission) before undertaking such work while resident in Cayman. Prior to granting (or renewing) a permit, the relevant Board or the Director of WORC will need to be satisfied of a number of matters including: the need to engage the services of the prospective worker, attempts to find a Caymanian, the spouse of a Caymanian, a Permanent Resident with the Right to Work or person already lawfully resident to fill the role; the character of the worker and the protection of local interests. The person is also required to take and pass an English proficiency test if from a non-English speaking country. Many skilled workers are granted a permit for between two and five years, with a

renewal fee payable each year. Please note that work permits for self-employed people are only issued in exceptional circumstances. Employers (in the Private Sector, but excluding those employing household staff) must hold a Trade & Business licence or equivalent licensing or exemption therefrom in relation to specific industry types. Standard Term Limit (9 Years)

All foreign nationals gainfully employed in the Cayman Islands are currently entitled to be considered for the grant of a work permit for up to nine years. After eight years, most residents are assured of the right to apply for Permanent Residence. After nine years, foreign nationals who are subject to a nine year term limit and have not applied for Permanent Residence will generally not be granted any form of work permit until they have ceased to be resident in the Cayman Islands for at least one year. In most instances this means they will be expected to leave the Cayman Islands for a minimum of 12 months before they can be granted a new work permit. Visits in the intervening period for vacation and the like as a genuine tourist visitor do however seem to be generally permitted. Please note, there are exemptions to the term limit provisions. For example, a person married to a government worker, or a person whose term limit is set to expire after their spouse’s, can arrange for their permit to be renewed until their spouse’s term limit is reached. There are also circumstances in which the authorities will (or at least historically have) reset a worker’s term limit without them first having to leave the Islands for any period. In order to understand the reasoning behind the Government’s creation of limits on work permit terms, it is helpful to know the history of the population increase in this diverse community. The Cayman Islands have undergone a dramatic change since the early 1970s. At the start of that decade, the population was approximately 10,000 people and now, over forty years later, there are indications that approximately 75,000

people now live in the Cayman Islands. Much of this dramatic increase has come about as a result of foreign nationals settling on the Islands and obtaining permanent rights of tenure. With that change has come not only strains on the infrastructure, but a recognition amongst generational Caymanians that their culture might be overwhelmed if the process is not managed correctly. There is also a perception by many Caymanians that their participation in the success of Cayman is diminishing. Whilst the people of the Cayman Islands are welcoming towards foreign nationals, there has been a realisation that continuing to invite ever increasing numbers of individuals to acquire security of tenure and become permanent inhabitants of Cayman is unsustainable. Even with the hurdle of Term Limits, the population growth has continued at a steady pace. Required Forms

Police Clearance Certificates (for persons already resident in Cayman for six months)

• Relocation • Immigration Applications • Immigration Appeals • Company Incorporations • Business Licensing • Special Economic Zone Enterprises • Employment • Property

For further information, please contact:

These forms can now be requested online and collected 24 hours later from the Criminal Records Office in the Windjammer Plaza on Walkers Road, George Town. The applicant must fill in a form online, scan a copy of their passport and pay a CI$25 fee by debit/credit card. They will then receive a receipt via email which they need to take to the Criminal Records Office along with their passport as identification. See www. eservices.gov.ky to apply. Alternatively, you can still order the certificate by visiting the office. Medicals for Immigration Purposes

All work permits over three months in duration, including work permit renewals, Permanent Residency and Caymanian Status applications must be accompanied by a completed medical questionnaire. Spouses and children over the age of 18 must also submit a medical questionnaire. Among other things, the medical report will require you to take a blood test



All immigration permit forms and instructions can be downloaded from the Department of WORC’s www.immigration.gov.ky website. Various law firms and immigration service providers are also available to assist. Other than the Work Permit fees, the costs associated with gathering the supporting information and documents required for an application include: CI$25 for a police clearance, CI$40 for a lab report of blood work, CI$80 to see a doctor for a full medical and CI$15 for photos. Please note that an original Police Clearance Certificate (and a certified translation if not in English) is required and at present there is a general expectation of there being a raised seal on such documents. Translations are generally required to be provided through an approved translator. Please be sure to make a copy of all the paperwork submitted and keep it on file for the rare occasion that the paperwork is lost by the Department of WORC.

Whether you are a business or an individual with a need for Immigration, Employment or Property guidance, HSM’s team of dedicated attorneys have extensive and market leading experience in the identification and implementation of effective solutions.

Nicolas Joseph Partner HSM Chambers +1 345 815 7425 njoseph@hsmoffice.com

Choose the Experts. Choose HSM.

+1 345 949 4766

68 Fort Street George Town PO Box 31726 Grand Cayman KY1-1207 Cayman Islands www.hsmoffice.com


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and furnish lab reports with HIV and VDRL tests included. You will also need a chest X-ray. Medical examinations are required on first application and once every three years thereafter. Lab tests have to be repeated with each medical exam but chest X-rays are only required once every five years. Getting a medical done is a very simple process and can be completed in 30 minutes in Cayman. A medical questionnaire that is completed overseas, and in a foreign language, must be translated into English and the translation certified as a true copy of the original. Anticipated Changes



At the time of writing (September 2019) there are indications that towards the end of this year the evidence required in support of work permit applications will be significantly simplified. It is expected that the requirement for chest x-rays and police clearance certificates (for most applicants) will be eliminated. We will update our website following any material changes taking effect. Change of Employer, Promotion or Redesignation

Subject to some exceptions, the holder of a work permit may not change his/her employer for the duration of a permit. Changing employers upon the expiry of a work permit is permitted, although a release letter from the previous employer is usually requested before the relevant board or WORC official will grant a permit in favour of a new employer. Protections are in place however, to prevent expatriate workers from falling victim to unscrupulous employers and the Department of WORC will assist workers as appropriate in relevant circumstances. During the duration of a work permit, the holder may not be promoted or re-designated without their employer notifying the relevant board (or director of WORC) and formal consent being received. This restriction is intended to protect opportunities for Caymanians and to ensure that due revenue is 78



collected. The relevant authorities will be very accommodating in appropriate circumstances, but applications must be made well in advance, with new positions not started until after all required approvals have been forthcoming. Rules on Residing on-Island Whilst a Work Permit is Processing

WORC generally requires that you be offIsland while a Full Work Permit (FWP) or Temporary Work Permit (TWP) application is in process. Therefore do not book your flight until your permit has been approved or you will risk being asked to leave again and put on the next flight back out of Cayman. Further, although the vast majority of applications are approved without issue, there can be no guarantee that any application will be ultimately successful. However, if you are already on-Island and are switching from one employer to another you may not need to leave the Island while your new work permit is processing. Having said this, you should make sure that your release letter from your current employer is dated to take effect on the exact date on which you hope to be authorised to commence gainful occupation in the service of your new employer. If this is not possible then you must get a Visitors stamp in your passport on the day that your current work permit is cancelled, to avoid any prospect of you being labelled as an overstayer. Dependants of a Work Permit Holder

The relevant Immigration Board has to be satisfied that the worker has sufficient income available to adequately support any dependants. Currently, the Board would expect to see a minimum household income in the region of CI$3,500 for one dependant to be included, with an increase of CI$500 for each additional dependant. This is a guideline only. In every case, the character, reputation and health of your dependants is taken into consideration, as well as whether you can comfortably afford to feed, house, educate

and maintain them in the Islands. The possibility is that you will be granted a work permit, but your children will not be allowed to accompany you if your income is considered insufficient. For a complete breakdown of the immigration rules for children born in or residing in Cayman to expatriates, please see the Cayman Parent 2020 magazine which has an extensive section on this subject. Each year a fee of CI$250 will be collected for each dependant of a worker in the unskilled category and CI$500 for each dependant of a worker in the skilled category. It appears to be open to the employer and the employee to agree between them who will pay for this as it does not constitute part of the Work Permit fee. A non-refundable fee of CI$200 per person is also collected for repatriation. Either you or your employer can submit the letter applying for your spouse or children to be a dependant on your work permit, but your employer must submit a letter indicating the number of hours per week you work, your monthly income and any other benefits you receive. If each parent is working, then both employers must provide a letter. If your family members are not added as dependants, then they can only stay here as temporary visitors. Please also note that only the following can be dependants of a work permit holder: spouses, children (including step and adopted child/children), grandchildren, parents, step-parents, grandparents, brothers, sisters (including half-brothers and half-sisters). This means that girlfriends, boyfriends and fiancées cannot be listed as dependants on a person’s Work Permit. However, the Cayman Islands now (generally) recognises legally married same sex spouses as dependants. As the situation stands right now, if a girlfriend or boyfriend comes to the Island without their own work permit, they will be allowed in as a visitor and in all likelihood will be given only 30 days to stay. It would help their case if they arrived at the airport with a letter from their ‘sponsor’ (the permit holder) which says that they will be

supported while they are here. If they come in with this letter they might be given a total of three to six months to stay. Stays of longer than six months in any calendar year by any person classed as a visitor are unlikely to be permitted. Dependant Children Over 18 Years

Work Experience for Expat Kids

Children of work permit holders cannot accept paid work experience without having their own work permit, and an unqualified 16-20 year old is unlikely to ever be granted a work permit. However, there is nothing in the law to prevent expatriate children from accepting unpaid internships if they have been resourceful enough to go out and find work in their school holidays! In fact all children, expat or Caymanian, should be encouraged to seek work experience as soon as they are over the age of 16. It not only keeps them busy, but it teaches them the value of money and to have a good work ethic– invaluable tools for life! If a work permit is obtained for an expatriate child, no work permit fee will be charged by the CI Government. Divorced or Divorcing Couples

Please note that should an expat couple living in Cayman decide to divorce, any non-working (previously) dependent spouse will have no particular right to stay in Cayman. Residence based purely on the presence of children is not contemplated by the Immigration Law. Children in such circumstances can remain as approved dependants of the parent who is on a work permit or government contract, and continue to attend full-time education until adulthood (as late as 24 if attending university). However, the formerly dependent parent will likely only be able to remain if they obtain their own work permit (including through the Special Economic Zone regime) or government contract; or alternatively secure some form of residency as a person of independent means. They may be permitted to remain as a tourist, but remaining in such a capacity for more than 90 days can present difficulties, and

‘Clear Concise Immigration Advice’

Services Provided • Deed Polls • Immigration Appeals • British & Caymanian Passport form completion • Right to be Caymanian • British Registration • Naturalisation BOTC • Notary Public Services • Permanent Residence (persons resident for a period of 8 years.) • Residential Certiicate for persons of Independent means • Residency & Employment Rights Certiicate • Connrmation of the Right to be Caymanian • Trade & Business Licenses • Work Permit Grants, Renewals, & Amendments • Annual Return Filing • Clear, Honest, Cost Effective Advice



Dependant children of work permit holders can only remain on a parent’s work permit after the age of 18 if they are a) in full time tertiary education or b) in special circumstances (such as the child is unable, for medical or other exceptional reasons, to maintain themselves). Should your child turn 18 before they finish secondary school, the Immigration authorities will usually allow your child to remain in Cayman, although not formally as a dependant on your work permit, until they complete their secondary education. However, if your child chooses not to go on to university or college, and they want to continue living in the Cayman Islands, then their only option may be to try and get a work permit. At this point they are competing with every Caymanian and Permanent Resident school leaver who will have precedence over them, placing them at distinct disadvantage in seeking job opportunities. Please see further in this chapter for rules on children of Permanent Residents who are over the age of 18.

Rankin Plaza Suite #15 Eastern Avenue P.O. Box 10186 Grand Cayman KY1-1002 Sabrina Turner

Phone: (345) 943-1186 Email: info@cicsky.com www.cicsky.com Open: Monday-Friday 9AM-6PM


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no permission ought to be expected after six months in any year. On the other hand, the former spouse of a Caymanian, who is the mother of Caymanian children, will usually be allowed to remain (subject to various approvals) and be permitted to work until the children complete their education or their 24th birthday, whichever happens sooner. Please see further in this chapter under Permanent Residency (PR) for details on those with PR divorcing and the immigration implications it can have on you depending on your residency status.



b) Temporary Work Permit (TWP) In appropriate circumstances and upon suitable application, the Director of WORC or her designate, may grant a Temporary Work Permit to an individual permitting them to engage in gainful employment in the Cayman Islands. Such permits, if granted, range from terms of one month up to a maximum of six months and generally cannot be extended or renewed. An eight-month permit, “A Seasonal Work Permit”, which can span the high season in the Tourism Industry, is also available. These cannot be extended or renewed. While Temporary Permits are often used as a bridge between the arrival of an expatriate worker and the issuance of their Full Work Permit, their use (save in exceptional circumstances) for persons who are not genuinely intended to be temporary employees is discouraged. Nevertheless, where urgency is required in the granting of a work permit, seeking and gaining of permissions, the authorities will tolerate the use of the Temporary Work Permit Regime to achieve expedition. Notes on a TWP: 1) A medical questionnaire is only required if the permit is being sought for more than three months; 2) There is no prohibition on applicants for TWPs having dependants; 3) TWP applications can be expedited on payment of an ‘express fee’ which can guarantee initial processing within 48 hours. See www.immigration.gov.ky 80



for necessary forms needed. Anticipated changes in the system, which are expected to reduce the application time for Full Work Permits to two weeks, will likely significantly reduce the ability of employers to rely on Temporary Work Permits for Full Time positions. Those Not Requiring a Work Permit

Despite being a British Overseas Territory, the Cayman Islands are not part of the United Kingdom, nor the European Union indeed unlike the French ‘Départements’ in the Caribbean. Therefore, no advantage is given to British or European nationals over any other nationality. However, not every foreign national working in the Cayman Islands needs a work permit. There are specific categories of persons who are exempt from the requirements, for example, Cayman Islands Government employees. Others can be exempted subject to strict requirements, for example, journalists representing a recognised news organisation and nonexecutive directors of companies carrying on business in the Cayman Islands are allowed as working visitors, provided they remain in the Cayman Islands for no longer than ten days. A few other examples of people and activities which are exempted include: visitors who are coming to Cayman to organise, attend or speak at a conference or seminar; those representing an overseas educational institution who have come to promote or interview applicants for places and those visiting for the purpose of servicing or repairing products under warranty. For a full list please see the Immigration section of www. caymanresident.com. Business Visitor’s Permit & Visitor’s Work Visa

Any business in Cayman which regularly needs workers to come from overseas to work for no more than 14 days on any particular visit, may seek to apply for a Business Visitor’s Permit allowing such individual(s) permission to work for a specified number of visits per year, subject to strict limitations. These Business

Visitor’s Permits are not available for people attending for one visit only. There is also a category of Visitor’s Work Visa, which permits individuals who are employed outside of the Islands, and who wish to visit for up to five calendar days at a time, in order to engage in commercial activity with a locally licensed entity or person (a ‘sponsor’), to apply for the grant of a Visitor’s Work Visa. To obtain a grant on arrival, the requirements are as follows: the local business or visiting worker must download a ‘Letter of Invitation’ form from the Immigration website and email it to imm-vwv@gov.ky at least 24 hours before they are due to arrive. It should be noted that once approved, the person will be required to pay CI$100 at the airport. The Visitor’s Work Visa is not available to those who are employed in a professional capacity (lawyers, accountants, medical professionals, architects, surveyors, teachers and other occupations) or who are otherwise not entitled to a work permit by virtue of having reached their term limit. The Visitor’s Work Visa also does not exempt someone from the requirement to obtain an entry visa if they possess a passport from a country which would otherwise require a Visitor’s Visa to enter the Cayman Islands. In addition, a business visitor may not hold more than one Visitor’s Work Visa in relation to the same sponsor or sponsors within the same calendar month, but, unlike a Business Visitor’s Permit, a Visitor’s Visa may be used for a single visit. Visitors Work Visas are dealt with by Customs and Border Control (not WORC). 2. GOVERNMENT CONTRACTED WORKERS Any person employed as a Civil Servant in the Cayman Islands (or employed by other prescribed employers, including the Government of the United Kingdom) does not require a formal work permit, and will have appropriate permissions for them (and approved dependents) to live in the Cayman Islands stamped into their passports. Whilst no Term Limit is

Caymanians or other legal residents for any employment. Accordingly, no advertising is required as part of the application process and the permissions are capable of being granted in only a few weeks. Applications are available from Cayman Enterprise City and from a number of local law firms, who assist enterprises establishing within an SEZ. See the Running a Business chapter for more information on Cayman’s SEZs.

3. SPECIAL ECONOMIC ZONE CERTIFICATE (SEZ) These certificates are in effect a special category of work permit. They are only available to employees of entities (“Special Economic Zone Enterprises”) established within Cayman Enterprise City’s SEZs which include Cayman Tech City, Cayman Commodities & Derivatives City and Cayman Maritime & Aviation City. Zone Certificates enjoy certain advantages over traditional work permits, including in many instances, a lower cost to employers, and an exemption from any requirement to prefer

4. STUDENT VISAS A non-Caymanian who is 18 years of age or older, seeking to enter the Cayman Islands to attend a recognised educational institution on a full-time basis, may be granted a student visa. The student should be self-sufficient or provide proof of support from other means. They must also submit a medical questionnaire and a police clearance certificate when applying. The application process generally takes four weeks. The student visa does not allow the student to engage in any gainful occupation. The student is expected to

leave the Cayman Islands on completion of the programme. Student visas can be granted for a period of up to four years but may be extended for a further 12 months. A person on a student visa may, after the proper application, have a dependant added to their application and can seek other permissions simultaneously with or following, their student visa’s expiry. 5. CERTIFICATES OF DIRECT INVESTMENT Wealthy individuals who are in a position to invest a substantial sum in an employment generating business or businesses in the Cayman Islands, may wish to participate in an incentive scheme intended to attract investors and their dependants. Such persons may, provided they can demonstrate an investment (or imminent investment) of a minimum of CI$1,000,000 in an employment generating business (or businesses) on the Island, apply to the Director of WORC for a Certificate of Direct Investment.


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currently applied to such persons, they are eligible to apply for Permanent Residence pursuant to the points system, once they have been resident in the Islands for more than eight years. Care must be taken to ensure that any dependant children are able (should they wish) to remain resident in the Cayman Islands in the event that they cease to be classed as dependants on their parent’s Government Contract.



Approval-in-Principle Certificates which are valid for six months are available prior to applying for a full certificate. Full certificates are valid for 25 years and are renewable. Such a certificate entitles the holder to reside in the Cayman Islands and to work in the business or businesses in which the holder has invested. The spouse and dependent children (where applicable) of the holder of a Certificate of Direct Investment will, on successful application, be granted a Direct Investment Holder’s (Dependant’s) Certificate, permitting them to reside in the Islands for the duration of that certificate. The application fee is CI$1,000 with a further CI$20,000 payable on issue of the certificate with an additional CI$1,000 payable for each approved dependant. 6. RESIDENCY CERTIFICATES (SUBSTANTIAL BUSINESS PRESENCE) A Residency Certificate (Substantial Business Presence) is available to individuals who either own at least a 10% share in an approved category of business or will be employed in a senior management capacity within such a business. In each case, the business must have a substantial presence in the Cayman Islands. It is designed and intended to be less onerous than the more established option of a Certificate of Direct Investment and is not limited to owners of the business. Approved categories of business include: fund administration, brokerage services, investment and fund management services, investment banking, financial trading (including foreign exchange, securities and derivatives), captive insurance or reinsurance management services and underwriting, actuarial services, insurance claims management, family office, hedge fund administration, any business in Cayman Brac providing back office support, and any company registered as an exempted company under section 164 of the Companies Law (2018 Revision). It is expected that people in these positions would fill a senior management capacity 82



and therefore ordinarily attract an annual work permit fee of CI$20,925 or above (or CI$5,000 or above if based in Cayman Brac). Provided the Director of WORC is satisfied that the applicant and any spouse have clean criminal records and that they and any dependants are in good health and possess adequate health insurance, as well as fulfilling the other requirements, then the applicant will be issued a 25 year Residency Certificate. A grant fee of CI$5,000 is due on issuance, with a further CI$1,000 payable in respect to each approved dependant. In addition, Certificate holders are required to pay an annual fee equivalent to that payable by a work permit holder in the same occupation. 7. RESIDENCE AS A PERSON OF INDEPENDENT MEANS For foreign nationals not wishing to work in the Cayman Islands but simply wishing to have the right to reside, there are alternative options. In particular, one can apply to the Director of WORC for a Residency Certificate which is valid for 25 years and is renewable. To reside in Grand Cayman, the person must show proof of an annual income of at least CI$120,000 (without engaging in employment in the Cayman Islands) along with an investment of CI$1,000,000 (of which CI$500,000 must be in developed real estate). The “remaining” CI$500,000 must be invested in a company or property–and simply holding assets with a broker or monies in a local bank account (whilst encouraged) do not count for these purposes. Investing in a local business, or even one which has shares publicly traded such as Caribbean Utilities can count. Most often, applicants will simply buy a substantial home (or a number of apartments) and immediately meet the requirement. A deposit maintained in a local bank or institution of no less than CI$400,000 deems an applicant to have sufficient funds (and income) to maintain themselves and their dependants. Alternatively they will generally be expected to prove an annual income of no less than CI$120,000,

without needing to work. To become resident in Little Cayman or Cayman Brac, proof of an annual income of CI$75,000 without the need to be employed in the Cayman Islands is required, as well as an investment of CI$500,000 locally, of which at least CI$250,000 must be in developed residential real estate. Whichever Island is to become your home, there is a one-time fee payable on grant of CI$20,000 and a further CI$1,000 payable for each approved dependant. The initial application fee is CI$500. The CI$1,000 dependant’s fee is then payable annually. The process of applying for a Residency Certificate is relatively straightforward although at present require approximately six months to be processed. Legal fees for this option are unlikely to exceed US$5,000. 8. CERTIFICATES OF PERMANENT RESIDENCE FOR PERSONS OF INDEPENDENT MEANS This is the ultimate permission which can grant Permanent Residence with the Right To Work based on investment, rather than having to wait for the usual eight years before becoming eligible to apply, subject to a points system, for Permanent Residency. Unlike Residency for Persons of Independent Means, this option has no expiry date and qualifies the holder (upon certain criteria being met) to become eligible for Naturalisation as a British Overseas Territories Citizen (BOTC) once they have been resident in Cayman for five years. Once naturalised they are entitled to a BOTC passport, which upon successful application, they can become a full British Citizen without the need to surrender any existing citizenship. Finally, once a person has been a BOTC citizen for five years they can apply to become Caymanian. In order to qualify for the Certificate of Permanent Residence for Persons of Independent Means, applicants will be required to have invested a minimum of CI$2,000,000 in developed real estate and possess sufficient financial resources to

maintain themselves and their dependants. An applicant will also need to demonstrate that they and their dependants are in good physical health and of good character. The number of these types of certificates is restricted to an annual quota of 250 set by the Cabinet. The application fee is CI$500 with a further CI$100,000 due upon grant and an additional CI$1,000 payable per dependant. The CI$1,000 dependant’s fee is then payable annually. The right to work in an approved occupation can be gained subsequently, upon application to the Caymanian Status and Permanent Residency Board, with an annual fee thereafter payable, equivalent to a Work Permit fee, for as long as employment is maintained, or until the individual becomes a Caymanian. Enforcement

4. Acquisition of the Right to be Caymanian.

1. PERMANENT RESIDENCY WITH THE RIGHT TO WORK a) Based on application made after eight years of living in Cayman Almost all persons who reach eight years of continuous legal ordinary residence in the Cayman Islands are eligible to apply for Permanent Residence with the Right to Work. Applicants are assessed under a points system which seeks to be as objective and transparent as possible, and those achieving 110 points or more are assured of a grant. If you are successful in gaining a Certificate, then you must annually submit a declaration in respect of your job, investments and other factors including the status of your dependants. There is a condition whereby if the Certificate holder sells the property that was listed in his/her application for PR, then they must purchase an alternative property within 180 days and inform the Board with the details of the

property, within 30 days of the transaction. An unsuccessful applicant will be given a permission to continue working for no less than 90 days, following which they will be expected to leave the Islands. An application for Permanent Residence with the Right to Work can be administratively onerous although applicants, particularly those individuals who prepare over the years leading up to it, are likely to find their application successful. Under most conditions, if an applicant is successful, then they can remain in the Cayman Islands indefinitely, provided an annual fee is paid by them or their employer which is the equivalent to the fee paid for a full work permit. They can work for any employer, although some limitations may be placed on the specific role which they are entitled to fill. Variations may be granted with the prior approval of the Caymanian Status and Permanent Residency Board or Director of WORC. Factors considered in a Permanent Residence application include: >>

Your Occupation; including whether it is


For those expatriates with a connection to the Cayman Islands various options may be available (in addition to the above). These are as follows: 1. Permanent Residency with the Right to Work a) Based on application made after 8 years of living in Cayman b) Based on being the Spouse of a Permanent Resident c) Based on being the Child of a Permanent Resident d) Based on being the Spouse of a Caymanian 2. Permanent Residency (without the Right to Work) as a British Overseas Territories Citizen registered by entitlement by virtue of a connection with the Cayman Islands


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Breaches of the Immigration Law are treated as quasi-criminal by the Department of WORC and can have very serious consequences for all concerned. Overstaying, working without or outside of the terms of permission granted, and any other breaches of the law may result in arrest and prosecution, not only of the individual concerned but anyone who facilitated such a breach, including the directors of a business which employs an expatriate without (or outside the terms of) a work permit.

3. Naturalisation

“Priority” in nature: 15 points are presently






the evolution of the economy of the Islands.

available for each and every occupation,

into the Caymanian Community: Up

That course has proved to be particularly








to 20 points are available. By way of

15 bonus points available in relation to

example (provided more than 35 hours are

occupations which have been determined

spent over a year in relation to relevant

close relative who is Caymanian will result in

by the CI Government to be “Priority” in

participation) two points will be awarded for

an automatic award of points. The amount

nature. No list of “Priority” occupations has

each year an applicant has been engaged in

of points vary depending on the nature of

been published as at time of writing.

relation to the rehabilitation of offenders,

the relationship.

Education, Training and Experience: A point

whilst participation and assistance in a

is available for each year of experience

local service club will generate 1.5 points

Points are awarded based on an applicant’s

that an applicant has been in their role

for each year. Other points can be gained

country of origin, provided their nationality

(after a minimum threshold of two years

through charitable donations. Working

is below 10% of the number of work permits

with a maximum of 10 years). Points are

with children and vulnerable adults may

in force. At present, Jamaicans and Filipinos

also available based on levels of academic

grant more points to your contribution to

are ineligible for points: citizens of those

or other qualification relevant to their

the community. Outstanding initiatives

countries already comprise approximately

occupation or role. For example, persons

that you can get involved with include the

42% and 13% of work permits in force in




helpful to applicants. >>


Close Caymanian Connections: Having a

Demographics and Cultural Diversity:


Aim Higher Initiative (Tel: (345) 328 0300),

the Cayman Islands. UK nationals presently

eligible for 15 points, whilst possessing an

the Community Outreach Programme

comprise approximately 7% and can expect

Associate’s degree will garner 8 points. A

(Tel: (345) 925 2012) or the Jubilate After

5 points. Citizens of all other countries can

total of 25 points are available under this

School Programme (Email: info@jubilate.

presently expect 10 points.


ky or call (345) 937 0332) which all aim to

Local Investments: Investment in Cayman

help local students. Another option is the

points depending on their age. The most

Islands real estate and/or in a locally

literacy programme LIFE, which aims to

“desirable” bracket is in respect of

licensed company has the potential to

match individuals with a child for reading

applicants aged between 25 and 35. Ten

generate up to 30 points. The total amount

support in a government school near their

points are awarded for persons falling within

paid towards such investment(s) (including

workplace once a week. Email: volunteer@

this range as at the date of application.

the full amount of any mortgage payments,

life.org.ky for an application form or further

the cost of renovations, where applicable

information. Applicants for points in these

in defined circumstances including where

and stamp duty paid) is assessed relative

categories may be eligible for slightly higher

an applicant suffers from a contagious

to an applicant’s income over the prior five

points of they can demonstrate that the

disease that could make them a danger

years. This is subject to a minimum threshold

person they may be training or mentoring is

to the community, are proved to have

of CI$50,000. Investments in excess of

a Caymanian.

mistreated fellow workers, or where they


Age: Applicants are eligible for varying

Deductible components: Points can be lost

History and Culture Test: You will be asked

do not have an adequately funded pension.

40 multiple choice questions and will

Financial Stability: Evidence of savings

receive half a point for each correct answer.

held in local bank accounts (again relative

The questions on the test have been taken

to income) generates points. The maximum

from The Cayman Islands in Transition (by

15 points available will be awarded to any

J.A. Bodden; Roy Bodden), Founded Upon

applicant who can demonstrate that they

the Seas: A History of the Cayman Islands

have (and have maintained) in excess of

and Their People (by Michael Craton),

5% of their last 12 months income in a local

Foundation - The Arts and Culture of the

bank account. Further additional points are

Cayman Islands Volumes 1-4 (Cayman

based on annual salary and income. By way

National Cultural Foundation), Caymanian

of example, a person earning CI$55,000

Expressions: A Collection of Sayings and

each year will (generally) be awarded seven

Expressions Used in the Cayman Islands

points. However, in calculating the points

(by Kevin M. Goring) plus the media as well

available for a given salary a deduction

as community and cultural events. At the

is made from the salary in respect of

time of writing (July 2019) the University

dependant children. Of vital importance is

College of the Cayman Islands is offering a

your ability to provide for the healthcare

four week course that covers the history,

and educational needs of your family.

culture, political system, general facts and

The Board has the power to revoke the Permanent Residence of any holder who “fails to maintain the level of financial investment stated in the application”. The law also states that if false information is provided, or a material fact is concealed in the application, the Board may revoke any permanent residence granted. Permanent Residents are required to report details of their circumstances annually. Finally, if persons become destitute, subsequent to the grant of permanent residence, it may be revoked. Harsh as this might all sound, without a large tax base available to provide an extensive social safety net, the Cayman Immigration (Transition) Law seeks to ensure that only persons who will not become a burden on the society are






CI$500,000 are guaranteed maximum >>


awarded PR. Please note that as the current system stands, unless you own a property in Cayman, it can be difficult to make enough points to qualify for Permanent Residency. Applicants are likely to gain the most points should they purchase a property well before being eligible to apply, as any mortgage payments (including interest) will count in the assessment. Permission to Continue Working (PCW)

The Next Step for Permanent Residents

Many people have asked what happens next once someone has been granted Permanent Residency (PR). Below we explain. >>


Once you have been

granted PR you only need to wait 12 months from the date of approval, and then you can apply to be naturalised on the grounds of residency. This is an essential step if you would ultimately like to apply for Cayman Status in due course (other than on the basis of being under 18 and the child of a Caymanian, or the spouse of a Caymanian). Please see the Naturalisation section in this chapter for more information on the process. >>

The Right to be Caymanian (Caymanian Status): Once you are naturalised and five years have passed (or you have been resident in the Cayman Islands for 15 years,

for Caymanian Status. Please see the Right to be Caymanian section in this chapter for all the details. How to Appeal a Permanent Residency Refusal

If your PR is turned down the first thing you have to do is decide whether you are going to appeal the decision or not. If you choose to appeal then the next step is to serve a formal Notice of Appeal on the Secretary of the Immigration Appeals Tribunal (IAT) – located in the Government Administration Building. Your Notice of Appeal ought to be received by the IAT within 28 days of your application being refused. At this point all you need to include in the letter are a) the grounds under which you are filing the appeal (i.e. that the refusal was (i) erroneous in law (ii) unreasonable (iii) contrary to the principals of natural justice (iv) at variance with the Immigration Regulations) b) the decision against which the appeal is made c) a copy of your original application and the refusal letter (if that latter document is available) and d) a bank draft for CI$1,000 made payable to the CI Government, which is non-refundable. Once the IAT receive your appeals paperwork you will be issued with a receipt and the IAT will request from the Department of WORC an ‘Appeals Statement’ which will include the reasons for the decision to turn down your PR. It will also include their scoring of your PR application plus all the paperwork which went with your original PR application. The IAT will then forward all of this to you. You are then required to file detailed grounds of your appeal with the IAT and serve a copy to on WORC within 28 days of receipt of the Appeals Statement. In your appeal you must provide written arguments as to why you disagree with the points given in each section, raise any relevant other factors, and provide any supporting evidence/documents. The IAT will review all the documents and decide whether the appellant’s case has merit. If the IAT decides in favour of the appellant, this will be communicated.

The successful appellant will then be given an opportunity to submit updates and/or provide fresh evidence for consideration, and any changes in circumstances as it relates to the application. The IAT will then reconsider your application, and assess you afresh against the points system. Once the Tribunal have made their decision the IAT Secretariat will inform you of the decision. b) Permanent Residence as the Spouse of a Permanent Resident Permanent Residents will have to continue paying CI$500 per year per dependant until they (or the Permanent Resident) becomes Caymanian. If you are on a government contract, and receive PR, you appear to have the choice of putting your dependant children on your PR (and paying the CI$500 fee per year) or keeping them on your government contract and paying no fees for them. There are other rules worth considering. The dependant spouse of a Permanent Resident can and (in most cases) should apply for their own Permanent Residence and Employment Rights Certificate (RERC) in their own right, as soon as their spouse is granted Permanent Residence. They do not have to wait the usual eight years of residency and do not have to take any test or be subject to the points system. They should also apply to be naturalised after having PR for one year and then apply for the Right to be Caymanian as soon as five years have passed, or they have been living in the Cayman Islands for a total of 15 years. Do not overlook your children’s Naturalisation and Status application in this process! Many people just carry on having their Residency & Employment Rights Certificate as the Spouse of a Permanent Resident (RERC) ‘tied to’ their spouses’ PR since there is no time limit on the award. This can however create problems down the line. For example, a problem arises when one of the spouses applies for and is granted the Right to be Caymanian. At this point the RERC holder/spouse (and children) must have their Immigration


www. c a y m a n r e s i d e n t . c o m




When a person applies for Permanent Residency, he/she must apply for and be granted Permission to Continue Working (PCW) before any existing work permit expires, otherwise they will have to cease work when their latest permit expires. If the applicant’s final work permit has already expired, they are not entitled to work whilst awaiting the outcome of their application for permanent residence, until they have a ‘PCW’ stamp in their passport. A ‘PCW’ stamp attracts the same fee as a six month work permit and must be renewed every six months while the application is pending. Most Permanent Residence applications are however dealt with within four months, and so the renewal of PCW’s is now happily somewhat of a rarity.

whichever happens earlier), you can apply



status in the Islands ‘regularised’ within 45 days. In effect, the spouse can no longer be deemed the dependant of a PR holder when the person is now a Caymanian – and if applications are not made promptly, they can lose the right to live in the Cayman Islands. As it pertains to accompanying children, as long as they are under the age of 18 and the parent acquires Cayman Status, they can apply for the Acknowledgement of the Right to be Caymanian by Entitlement within those 45 days provided they have resided in Cayman for a minimum of 1 year. If there are some accompanying children who are over the age of 18 they must apply, within 45 days, for a continuation of their Residency under Section 39, but only if that child has been legally and ordinarily resident in the Islands for a minimum of seven years. Being away for schooling does not affect their ability to apply (provided Cayman has remained their home throughout). Such applications are dealt with by the Director of WORC. It is very important that this rule is understood, as applying for Permanent Residency under Section 39 of the Immigration (Transition) Law grants the child PR independent of their parents. Serious issues have also occurred when Permanent Residents have become Caymanians. A policy provides that all dependent spouses have exactly 45 days to apply for Caymanian Status (if they have been married for over seven years) or for a Residency & Employment Rights Certificate as the Spouse of a Caymanian (if they have been married for under seven years). However, people have run into immovable problems if their marriage has broken down in the intervening years. One of the requirements in the Immigration (Transition) Law is that you can handon-heart tick the box saying you have a stable marriage. If you cannot, then there is no particular rights remaining for you in the law: your certificate as the spouse of a Permanent Resident will have become void, and you cannot now swap it for Caymanian Status. You may not be 86



allowed to stay in the Cayman Islands. If you have children the consequences can be devastating. This is why immigration lawyers worth their salt will always stress the need for spouses to apply for Permanent Residency in their own right, and then apply for Naturalisation and the Right to be Caymanian the moment they can, even if only as insurance against the unexpected. c) Permanent Residency based on being the Dependant Child of a Permanent Resident An expatriate child of a Permanent Resident (even if the child has a Cayman Passport) must in most cases be a dependant on a Parent’s Permanent Residence. Upon turning 18, most will be eligible to apply for Permanent Residence in their own right under section 39 of the Immigration (Transition) Law. They can do this without being subject to the points system, provided they have been legally and ordinarily resident in the Cayman Islands for seven years prior to the application being made, were named on their parent’s application and approved, and are of good character. Their parent must also continue to be a Permanent Resident, or have become Caymanian. Any such application must be made before the child turns 19 (ideally prepared even before they turn 18) but if the parent’s RERC has been varied to allow the child to be a dependent past 18, it can be made up until the child is 24, provided the child is still in tertiary education or within six months of the end of such education. They will then be able to apply to become Caymanian once they have been in Cayman for 15 years and are Naturalised or Registered, or five years after having been Naturalised or Registered and become a British Overseas Territories Citizen (BOTC). An expatriate child who is the child of the expatriate spouse of a Caymanian and whose expatriate parent holds a RERC (Residency & Employment Rights Certificate) as the spouse of a Caymanian can be added as a dependent on their parent, but only until they are 18, unless they continue into tertiary education

and their permission is varied. d) Permanent Residence as the Spouse of a Caymanian The spouse of a Caymanian has no inherent right to live or work in the Cayman Islands (apart from any unexpired permission they may have held before being married to a Caymanian) unless they apply for and have granted a Residency and Employment Rights Certificate as the Spouse of a Caymanian. The Cayman Islands Government has now amended the Law, and these RERC’s are now permanent in nature. Unlike other RERC’s, these place no restrictions on occupation, presently require no annual declaration, and require no annual fees. These certificates can however be revoked, and may become void in the event of a breakdown in marriage. It can take several months to obtain an RERC as the Spouse of a Caymanian and so the soonest possible application is often recommended. Death or Divorce from a Permanent Resident

The surviving or former spouse of a Permanent Resident is required to notify the Director of WORC and the Caymanian Status & Permanent Residency Board of their change in circumstances within six months. Within these six months the surviving spouse, or former spouse, may be eligible to apply for the grant of a Residency & Employment Rights Certificate in their own right. It may be important to consult with a lawyer or reputable immigration services company to confirm your standing and options in the event of appropriate circumstances arising. 2. PERMANENT RESIDENCY BASED ON REGISTRATION BY ENTITLEMENT AS A BRITISH OVERSEAS TERRITORIES CITIZEN Any child who is born in the Cayman Islands and whose parent subsequently becomes a permanent resident or lives the first 10 years of their life here, may, immediately (or if their parent is not a Permanent Resident) upon their tenth

birthday, seek Registration as a British Overseas Territories Citizen (BOTC) by Entitlement. All persons so registered have a right to remain in the Cayman Islands for life (and hold a BOTC (Cayman Islands) passport). Applications in relation to children who have lived in Cayman for the first 10 years of life are independent of a parent’s immigration status, and cannot be denied to a child who meets the criteria. This reality is both a reason for the rollover policy and creates an enormous opportunity for the Cayman-born children of those to whom the rollover is not applied (including civil servants and anyone exempted from term limits, including persons married to government employees or even work permit holders).

Caymanians are BOTCs and accordingly, large numbers of Caymanians are not entitled to hold Cayman Islands Passports. 4. ACQUISITION OF THE RIGHT TO BE CAYMANIAN Any person who has been naturalised as a British Overseas Territories Citizen (BOTC) by virtue of his or her connection with the Islands may, upon satisfying various residency requirements (being resident for 15 years or be naturalised for five years, whichever happens sooner), apply for the Right to be Caymanian. Persons who have been married to a Caymanian for seven years, can also apply for the Right to be Caymanian. The surviving spouse of a Caymanian can apply for the Right to be Caymanian as long as they had been married for seven years and fulfil the other criteria. A person who is the child of a Caymanian, no matter the basis on which the parent became Caymanian, is generally considered a Caymanian if he/she is born subsequent to their parent becoming a Caymanian as of Right. Persons who can prove that they are the child or grandchild of a Caymanian who was born in the Islands can also apply to become Caymanian on the grounds of descent. The Cabinet may, in exceptional circumstances, grant the Right to be Caymanian to up to four persons in any year. Any individual who acquired the Right to be Caymanian can lose that right if they move away from the Cayman Islands for more than five years (other than if they are away for medical or education purposes) and if they are convicted of an offence which was made possible by, facilitated by or connected with the grant of the Right to be Caymanian. For further details see www.caymanresident.com. Spouses & Children of Caymanians

When a Permanent Resident is granted Caymanian Status the spouse and children of that new Caymanian must have their immigration status ‘regularised’ within 45 days. In effect, the spouse/children can no longer be deemed the dependants


www. c a y m a n r e s i d e n t . c o m




3. NATURALISATION If you are a Permanent Resident adult and not married to a Caymanian then getting Naturalised as a British Overseas Territories Citizen (BOTC) is an essential step in the process of acquiring Caymanian Status. Once you have had PR for 12 months (and have lived in Cayman for at least five years) you can apply under the British Nationality Act for Naturalisation as a British Overseas Territories Citizen (BOTC) by virtue of a connection with the Cayman Islands. For the application you will need to provide a copy of your PR approval letter, your PR certificate, your birth certificate, passport picture page, a passport-sized full-face photo, a police record, a current job letter, a marriage certificate (if it applies) plus the birth certificate for your spouse, and a current travel history from WORC/CBC. One thing worth noting is that the physical presence rules are totally different under the British Nationality Act than those under the Cayman Islands Immigration Law. If you have been outside of the Islands for longer than 90 days in total in one year, or a total of 540 days over the course of five years, then this may affect your ability to be granted Naturalisation on the grounds of residency. If you are applying for Naturalisation on the grounds of being married to a BOTC then you ought not to

have been off the Islands for more than 270 days over the course of three years. Please note that you will still need to pay your PR work-related fees every year once you are Naturalised. However, the spouse of a Caymanian does not pay these fees. The spouse of a Caymanian or Permanent (provided their Caymanian or Permanent Resident Spouse is a BOTC), be able to apply for Naturalisation 12 months from the date that their RERC was approved provided they have been resident in the Islands for at least three years and seek to apply on the basis of marriage to a BOTC. Application is made to the Deputy Governor and must include an up-to-date travel history covering the last five years (you can obtain this from WORC/CBC), as well as certified copies of your relevant documents and a fee of CI$825. Please note that a child under the age of 18 can (on successful application) be registered as a BOTC and the cost is CI$450. Naturalisation entitles the applicant to a Cayman Islands passport but does not make the applicant a Caymanian (i.e. does not grant Status) or give them a right to work or even necessarily to reside in the Islands. It does however normally entitle the holder to ultimately apply for the right to be Caymanian on the basis of residence, provided they remain legally and ordinarily resident in Cayman. Registration is the equivalent of Naturalisation for children, and the basis for Registration can vary widely depending on various factors, including age, immigration status of parents, and place of birth. The fact that many people who have become naturalised or registered or have otherwise become BOTC’s and possess Cayman Islands passports without being Caymanian can be potentially confusing. It is perhaps best to think of a Cayman Islands passport as a travel document, naturalisation (or registration) as becoming a BOTC (but not a Caymanian) and being Caymanian (known as possessing the Right to be Caymanian) as possessing a particular type of Immigration permission (whether by right, entitlement or grant). Not all



of a PR holder when the person is now a Caymanian! In those 45 days the spouse of a Caymanian has two options depending on how long they have been married: a) if married for seven years then the spouse may be automatically entitled to apply for Caymanian Status as the Spouse of Caymanian, b) if married for less than seven years then the spouse needs to apply for a Residency & Employment Rights Certificate as the Spouse of a Caymanian. Then as soon as they have celebrated seven years of marriage they can apply for Status. Serious issues have however occurred when Permanent Residents have become Caymanians and their dependent spouses have to regularise their immigration status. One of the requirements in the Immigration Law is that you can handon-heart tick the box saying you have a stable marriage. If you cannot, then there is no particular rights remaining for you in the law: your certificate as the spouse of a Permanent Resident will become void in 45 days, and you cannot now swap it for Caymanian Status. Your life in Cayman is then in limbo and you may not be allowed to stay in the Cayman Islands. If you have children the consequences are devastating. This is why immigration consultants and/ or lawyers worth their salt will always stress the need for spouses to apply for Permanent Residency in their own right, and then apply for Naturalisation and Cayman Status the moment they can. As it pertains to accompanying children, as long as they are under the age of 18 and the parent acquires Cayman Status they can apply for the Acknowledgement of the Right to be Caymanian by Entitlement within those 45 days. This Status however, will expire at 17, so it is essential that you reapply before they turn 18. For children applying for Status there is now an acknowledgment form in which you have to give proof of the schools your child has attended in the Cayman Islands or boarding school overseas, proof of how the child was able to remain and 88



reside in Cayman (whether they were dependent on a PR or Government worker’s contract), the birth certificate of the child and marriage certificate of the parents and CI$50. Children who go to boarding school will not be affected as long as their primary home has always been Cayman, and they return home with some frequency (ideally every holiday). If there are some accompanying children who are over the age of 18 they must apply, within 45 days, for a continuation of their Residency under Section 39, but only if that child has been legally and ordinarily resident in the Islands for a minimum of seven years. Being away for full-time secondary schooling or tertiary studies (again provided Cayman remains their home and they return for holidays) does not affect their ability to apply. It is very important that this rule is understood, as applying for Permanent Residency under Section 39 of the Immigration Law grants the child PR independently of their parents. Marrying a Caymanian

A person who is newly married to a Caymanian needs to apply to the Caymanian Status and Permanent Residency Board for a Residency and Employment Rights Certificate as the Spouse of a Caymanian (RERC), which allows them to remain and work in any occupation and the certificate remains valid for as long as the marriage remains stable. It no longer expires at the seven year mark. If they are in possession of a work permit before they are married, then the work permit remains valid for its duration. Provided an application for a RERC is made before the expiry of the work permit, the right to live and work in the Cayman Islands continues whilst the application for a RERC is pending. If the RERC is approved then after the 7th anniversary of the wedding, and as long as the marriage is still stable, the holder may apply for the Right to be Caymanian. There is a non-refundable application filing fee of CI$300 and, when approved, there is an additional government fee of CI$400.

Proposed changes to the Immigration Law were discussed in July 2018, and it was agreed that a person who has been resident in the Cayman Islands for many years, and then goes on to marry a Caymanian, may apply for Permanent Residency in their own right as long as they apply before they have been resident for 9 years. They may also apply for an Employment Rights Certificate as the Spouse of a Caymanian (RERC). The difference is, that if the marriage does not last then they will not lose their residency status. Please note that the RERC application process can take several months and many documents are required to be submitted, including an affidavit to the effect that your marriage is not one of convenience. Marriages of Convenience

The Cayman Islands Government is very aware that marriages of convenience have been arranged in order for foreigners to move to Cayman, remain, live and work without paying work permit fees. If caught these offenders are severely punished to the full extent of the law. Former Spouse of a Caymanian

In the instance where the former spouse of a Caymanian is the mother/father of a Caymanian child, they will usually be allowed to remain (subject to various approvals) and be permitted to work in the Cayman Islands until the children complete their education or reach their 24th birthday, whichever happens sooner. If their last child reaches the age of 24 and the non-Caymanian parent has not obtained an alternative immigration permission before this point, then the parent will (according to the provisions of the law as presently drafted) have to leave the Cayman Islands. Such a parent will however have an opportunity to apply for Permanent Residence pursuant to the points system, provided Cayman has been their home for more than eight years.

IMMIGRATION SERVICES Immigration Consultants For help interpreting the Immigration Law contact the Department of WORC on (345) 949 8344 or visit www.immigration. gov.ky. Alternatively, call one of the local immigration specialists below:


HSM Attorneys-at-Law

Bodden & Bodden Attorneys at Law / Bodden

Tel: (345) 949 4766

Corporate Services

Email: immigration@hsmoffice.com

Tel: (345) 945 0400 or (345) 623 0303


Email: hello@boddens.ky or www.boddens.ky

All Immigration services including Business

Boddens provides you with an array of

Establishment, Appeals, Caymanian Status,

immigration services, including the preparation


of applications for permanent residency,

applications. SE E AD PAG E S 58, 77 & 95



Affinity Recruitment Ltd.

independent means residency, Naturalisation

Tel: (345) 943 2020

and the Right to be Caymanian, as well as work

McGrath Tonner

Email: info@affinity.ky

permit grants, renewals and amendments.

Tel: (345) 949 2740


SE E AD PAG E S 60, 83 & 146

Email: info@mcgrathtonner.com

Specialising in: Corporate immigration services,



Work Permits and immigration advice and tailored

Cayman Immigration Consultant Services




outsourcing services. For the Cayman job-seeker,

Tel: (345) 943 1186

Caymanian Status, Persons of Independent

they will take you through the entire process

Email: cics@cicsky.com or www.cicsky.com


from application to work permit submission to

Specialising in: Work Permits processing,

Permits, Work Permits and all related appeals.

understanding your contract, salary, benefits and

Permanent Residency, Immigration Appeals,


medical insurance. SE E AD PAG E 52

Residency and Employment Rights Certificates,






Ritch & Conolly Attorneys-at-Law


general immigration related matters. Also Local

Tel: (345) 949 7366

Tel: (345) 945 1781

Incorporations, Trade and Business Licensing

Email: jconolly@rc.com.ky

Email: info@baraud.com

applications and Annual Returns. Clear, honest,



cost effective advice. Sabrina charges CI$100

All Immigration services including Work Permits,

They offer advice and help on Temporary

for a 1/2 hour consultation and if her services are

Business Visitor’s permits, Permanent Residency

Work Permits and Work Permit Grants,

retained then this goes towards the cost of the

(all forms), Cayman Status, immigration appeals

Renewal applications, Permanent Residency,

job. SE E AD PAG E 79

and Naturalisation. SE E AD PAG E 147

term visas. Their thorough knowledge of the

CML Immigration Services

Legal Befrienders

laws, policies and procedures along with friendly

Tel: (345) 949 1345 or (345) 623 1025

87 Mary Street, 2nd Floor Apollo House West

working relationships with the key officials in the

Email: immigration@cml.ky

Tel: (345) 945 8869

Department of WORC are all advantages that



Baraud brings to managing your Immigration






Naturalisation, Caymanian Status and short


Bedell Cristin





If you are seeking free legal advice on issues


such as domestic violence, divorce, immigration

Naturalisation, and investment immigration

and more, the Family Resource Centre offer


The Legal Befrienders Clinic and Phone line

Unit 3211, 53 Market Street, Camana Bay

every Tuesday from 5pm-6.30pm. At the Clinic

Tel: (345) 949 0488


qualified attorneys who offer free legal advice

Email: Sophia.Harris@bedellcristin.com

Tel: (345) 745 5000

on a walk-in, first come first serve basis, no


Email: randall.martin@dentons.com

appointments are necessary.



Bedell Cristin’s Cayman team has 20 years

A range of immigration services including:


of experience in helping clients with their

Work Permit applications, Residency and

immigration needs. The team works with

Employment Rights Certificates, Permanent


Visas for Cayman Nationals of the USA, Canada, the UK and most countries within the British Commonwealth do not require visas to enter the Cayman Islands. Citizens of Jamaica, Honduras and the Philippines, for example, do. Check the Visa section of www.immigration.gov.ky or www. caymanresident.com to see if you need


Residency/Independent Means applications,

advising on how to comply with business

British and Cayman passport applications, Right

staffing plans and work permit requirements,

to be Caymanian/Spouse of a Caymanian,

as well as guiding high-net-worth individuals

Naturalisation, Business Licensing, Appeals and

through the process of applying for Permanent

Notary Public services.

Residency, Naturalisation and Caymanian





SE E AD PAG E S 35 & 81


www. c a y m a n r e s i d e n t . c o m



Naturalisation, Right to be Caymanian and other



one. However, if you have a US, UK or Canadian Visa and you are travelling directly to Cayman from one of these countries (whether by air or sea), you do not need a separate Cayman Visa. Where visas are required, they must be sought and obtained prior to travel. Contact the British Embassy or Consulate with a visa section that is nearest you. There is a dedicated visa office within the Workforce Opportunities & Residency Cayman (WORC) which was previously called the Department of Immigration. Call (345) 949 8344 or email: Emily. Hurlston@gov.ky. There is also one in Kingston, Jamaica. Call (876) 906 7866/5336 or email: caymanvisa@ cwjamaica.com. Visas for the US & Elsewhere If you are looking to travel to the US as a non-American passport holder with an EU member passport then you must register online at least three days before travel via the Electronic System for Travel Authorisation (ESTA). Once approved, you are allowed to travel to the US for up to two years without re-registering. The website is https://esta.cbp.dhs.gov/esta. However, the intention of ESTA is for EU residents living in EU countries to use this system and not for EU residents living in the Cayman Islands. It is strongly advised that residents of the Cayman Islands obtain a US visa from the US Embassy in Kingston, Jamaica. Appointments can be made here: https:// jm.usembassy.gov/u-s-citizen-services/. US Visitor Visas are not a function of the US Consular Agency and are managed through the US Embassy in Kingston, Jamaica instead. Please note that all UK and Euro ESTA and USA visa holders must now have an electronic readable passport in order to be able to enter the USA. For questions or concerns about the non-immigrant visa process email: KingstonNIV@state.gov and for questions pertaining to the immigrant visa process please email: KingstonIV@state.gov. 90



PASSPORTS More information on getting a passport for a child born in the Cayman Islands can be found in the Having a Baby chapter or on the Passport & Visa section of www. caymanresident.com. American Passports The US Consular Agency has an office in the Smith Road Centre, Suite 202B, 150 Smith Road, George Town, email: caymanacs@state.gov. They are open Monday through Friday 9am-2pm and are closed on all Cayman and US holidays. Please note that due to the nature of their work they are often called out of the office to complete assignments and during these times the office is closed with little or no forewarning. If you are a US citizen experiencing a serious emergency call (876) 702 6000. You may email or visit the office for enquiries, however, applications are submitted by appointment. They also assist with the following services: US Notarial Services, performed for US citizens or when documents are related to the US. If you are a US citizen who recently had a child in the Cayman Islands, you should apply for a Consular Report of Birth Abroad and a passport for your child. Email the consular agency to request a checklist to assist you with the process and schedule an appointment. You should complete the application forms available at www.travel. state.gov. The child and all the parents who are on the birth certificate must attend the appointment and present original valid documents. Processing time is four to six weeks and cannot be guaranteed; please plan accordingly. British Passports Application forms for British passports (renewals or new passports) need to be filled in online and then the required paperwork, including your existing passport(s), must be couriered to Her Majesty’s Passport Office, OVS-D, Millburngate House, Millburngate, Durham DH97 1PA, England. Go to www.gov.uk/overseaspassports to get started. Payment must

be made by credit card online during the application process. The cost of a standard adult’s passport (as of July 2019) is £105.86 and a child’s passport costs £88.51. This includes the courier fee to send the new passport back to you. Processing time takes about three weeks. Caymanian Passports Caymanian passports (also called a British Overseas Territories Citizen passport) are processed at the Passport & Corporate Services office in George Town and then sent to the UK passport office to be printed. The processing time for this is currently about six weeks. Application forms for a BOTC passport can be downloaded from www.immigration.gov.ky along with a list of required documentation. Passports cost CI$75 for a child and CI$100 for an adult. Temporary passports, which are only issued in the event of a medical air evacuation, are still produced in Cayman and can be turned around within a day for those who are eligible. The passport office is located on the 2nd floor of Sussex House, 128 Elgin Avenue (next to WORC) and is open Monday-Friday 8.30am-4pm. Tel: (345) 943 7678. Canadian Passports The Canadian Consulate is located on the 1st floor, Landmark Square, 64 Earth Close, off West Bay Road (Tel: (345) 949 9400 or email: cdncon.cayman@candw. ky). They are open Monday-Thursday 10am-1pm. They offer consular assistance for Canadians who are travelling, working or living in the Cayman Islands. These services include assistance with obtaining Canadian citizenship for children born in the Cayman Islands to Canadian parents, passports and any emergency assistance. Application forms for Canadian passports can be collected from the Consulate or downloaded online from www.cic. gc.ca. The Consulate can review your application before you send it to the High Commission of Canada in Kingston, Jamaica. The processing time is 15-20 business days.

For non-Canadians who wish to visit, study or work in Canada, as well as for the new Canadian requirements regarding the eTA visa, you will find information, as well as online application forms, at www. jamaica.gc.ca. Other Nationalities The Portfolio of Internal and External Affairs of the Cayman Islands Government and the Office of the Governor have assembled contact details for the consular representatives of other countries. See the Passport & Visa section of www. caymanresident.com for details. DOMICILE & TAX STATUS

US TAXATION OF AMERICAN CITIZENS OR GREEN CARD HOLDERS MOVING TO THE CAYMAN ISLANDS American citizens and green card holders are subject to US tax reporting requirements even when they are not living in the US. This can include both expats and lifelong residents of Cayman. Many Americans living in Cayman can reduce or eliminate their US tax using the foreign earned income exclusion. In 2019, this means that up to US$104,100 of qualifying earned income (plus an additional amount for certain housing expenses in excess of US$16,656) can be excluded. Generally, you can qualify for this exclusion if you can show that you are a “bonafide resident” of the Cayman Islands (or another country) for at least a full calendar year and have Cayman as your “tax home”; usually living and working in Cayman is enough for this purpose. Additionally, you can qualify by being physically present in Cayman for 330 days in a 12-month period (which does not necessarily need to be a calendar year) and having your tax home in Cayman.

Even if all of your income is excluded and you owe no US tax, you are still required to file a tax return, declare your worldwide income, and make the election to take the foreign earned income exclusion. Additionally, you are required to file information returns for your foreign bank and financial accounts (including your Cayman pension), as well as for any business entities and trusts formed in Cayman or other foreign countries. The IRS levies steep penalties for non-compliance. Non-Compliance & Catching-Up Individuals who have not complied with US tax reporting requirements in past years are subject to penalties if their non-compliance is discovered by the IRS. Penalties can be in excess of US$25,000 per year in some cases, even when no tax is due. Some individuals may be able to take advantage of an IRS amnesty programme called the Streamlined Filing Compliance Procedures, if they can certify that their non-compliance was not wilful. This programme involves filing back tax returns (including information returns for business entities and trusts formed in Cayman or other foreign countries) for the past three years along with foreign bank and financial account reports for the past six years, and paying any taxes owed with interest. In many cases a Streamlined filing will result in no penalties imposed by the IRS. For formal advice please call: Omni Cayman/John Wagner Tel: (345) 547 4473 Email: john@omnicayman.com Omni Cayman has as part of their team a Certified Public Accountant and Chartered Financial Analyst specialising in US tax filing and consulting services for US citizens and green card holders. Omni also provides accounting outsourcing, Certified Quickbooks Pro Advisors for setup, installation, training and support, plus professional recruitment and immigration services.


www. c a y m a n r e s i d e n t . c o m




UK TAX STATUS & DOMICILE If you were once a resident of the UK but are now a resident in Cayman, then knowing how many days you can visit the UK to see family and friends is very important. Generally, if you spend less than 16 days in the UK in a tax year then you will not be considered a UK resident. If you have not been a UK resident for three tax years or more then this is extended to 46 days. However, if you work full time in the UK, spend 183 days or more in the UK per year, have a home in the UK in which you spend 30 days in the tax year plus you have no overseas home, then you can assume you are a UK resident. There are also ties, which if combined with the number of days you spent in the UK in any given tax year, can determine whether or not you are a UK resident. These ties include family (i.e. a child in a boarding school), having a house in the UK, working in the UK and spending over 90 days in the UK. Depending on the number of ties you have dictates how many days you can safely stay in the UK before becoming UK tax resident. These ties may also dictate whether you remain UK tax resident. Your domicile on the other hand will determine if you are liable to pay UK Inheritance Tax (IHT). If you wish to avoid IHT on your worldwide assets then you have to plan carefully and make

positive steps to shed your UK domicile. There is no specific form to fill out to explain that your domicile has changed; however, in your annual UK SelfAssessment tax return there is a section which asks you to talk about your domicile. Please note that when leaving the UK you should either complete and submit form P85 “Leaving the UK - getting your tax right” to HMRC or include details on your last self-assessment tax return. This form advises HMRC that you are leaving the UK and will help them decide if you will still be required to file a UK tax return as a non-resident. For formal or informal advice on UK tax status and domicile you can contact Paul Hotchkiss from Hotchkiss Associates Limited. Call +44 (1624) 872140 or email: info@hotchkiss.im or visit www. hotchkiss.im. For much more info on the tax and domicile options for people from the UK please see www.caymanresident.com.

Retiring in Cayman

Photos courtesy of Mark Montocchio, Jonathan Sparrow, Monika Wojkiewicz.

For those contemplating retiring, growing old and spending their final days in Cayman, this chapter details the things you will need to think about. For those who have lost a loved one, it covers everything you might need to know about wills and probate, repatriation and the various burial options.




Retiring in Cayman - What to Consider - Health Insurance  - Medical Care in Cayman - End-of-Life Medical Laws - Immigration Considerations - Senior & Retirement Homes  - Poor Relief Payments - In-Home Carers - End of Life Palliative Care - Wills & Probate - Inheritance Tax & Domicile

92 92 93 93 94 94 94 94 94 95 96

End-of-Life in Cayman - Overview of the Process - Burial - Burial Assistance - Preplanning Funerals - Cemeteries Management  - List of Public Cemeteries  - Cremation  - Repatriation & Funeral Planning - Funeral Homes

96 96 96 97 97 97 98 98 98 98




ith beautiful beaches and good weather, it is easy to see why Cayman is regarded as an ideal place to retire, grow old and ultimately die. Aside from the climate, however, what draws retirees to Cayman is that you can get the ease of island life whilst still having access to world-class healthcare and remaining in close proximity to the US. The retirement community in Cayman is thriving; over 65s account for over 8% of the population and, as a result, activities, clubs and services for seniors are increasing. Each October the Department of Children and Family Services (Tel: (345) 949 0290) celebrates Older Persons Month by hosting free events for seniors in Grand Cayman and Cayman Brac. Whether you intend to get involved in the community or simply relax on the beach, the lifestyle in Cayman suits any retirement model. RETIRING IN CAYMAN - WHAT TO CONSIDER

Health Insurance Health insurance is required by law for all residents of the Cayman Islands. For retirees arriving in Cayman over the age of 55 there are very few options available to you. All the insurance companies offer the SHIC plan (Standard Health Insurance Contract). It is a set fee regardless of your age and the annual premium does not go up each year. This is the good news. The cost for an individual is in the region of CI$150-CI$167 per month, for a couple it is CI$300-CI$372 and for a family it is

overseas (for example BUPA) and get a basic plan in Cayman to cover the legal requirement. For a list of health insurance providers see the Health & Wellness chapter. Medical Care in Cayman Grand Cayman has three fully equipped hospitals, over 150 doctors, more than two dozen private healthcare practices, as well as specialists in cardiac surgery, chemotherapy and orthopaedics. We also have a 3.0 Tesla MRI machine, 3D and 4D ultrasounds, echocardiography, GI endoscopy and even an IV medical spa. If there was one place outside of the USA where you could be guaranteed that you would get first rate medical care, you can be assured that Cayman ticks the box. End-of-Life Medical Laws The Health Care Decisions Bill (2019) addresses the issue that healthcare providers and families face when a patient is too ill to communicate their treatment

preferences. The introduction of advance health care directives, commonly known as “living wills”, provides a legal framework to express your desires while you are mentally competent, which will then be followed should you become incapacitated. The Advance Health Care Directive focuses on the extent of lifesustaining measures you would want in different circumstances, including a Do Not Resuscitate order and the refusal of life support if you are in a vegetative state. Alongside this, you can now appoint one or more people as proxies to make medical decisions for you should you become mentally unable. To be legally appointed as a proxy, you must be an adult and satisfy certain principles such as being mentally competent. Should the proxy die or renounce their duty, and the patient is mentally incompetent, the patient’s doctor automatically becomes their directive decision maker. The bill reasserts that assisted suicide

15th ANNIVERSARY “Opening Doors to Wellness For Our Members”

Government-owned INSURANCE COMPANY which provides HEALTH INSURANCE COVERAGE to residents of the Cayman Islands


CINICO currently offers health insurance products in the following categories:

Civil Servants & Pensioners

Health care coverage available to Civil and Public Servants and their dependents.

Seafarers & Veterans

This plan provides health insurance coverage to qualified Seafarers, Veterans and their dependents, and is administered on behalf of the Ministry of Finance.

Standard Health Insurance Contract (S.H.I.C.) Plan

As it is a legal requirement for all residents of the Cayman Islands to have health insurance coverage, this plan provides the minimum coverage required by law, and is available to all residents upon application and payment of premiums.


Medical Case Management & Claims Units

There is no doubt that with this level of in-house expertise, as well as exceptional customer service, CINICO’s members enjoy the invaluable benefits of a sense of security and peace of mind.

Cayman Centre, 1st Floor, Airport Road | P.O. Box 10112, Grand Cayman KY1-1001 Tel: 345-949-8101 | Fax: 345-949-8226 | www.cinico.ky


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CI$465-CI$508. If you would like to add dental and vision coverage then that costs approximately CI$30 more per month per individual, however, most insurance companies will not add this for you if you join the plan after age 55. That said, not all health insurance companies in Cayman offer the option of additional dental and vision under the SHIC plan; the majority only offer the medical benefit portion of the plan. If you are a current Cayman resident and are reaching retirement age, and you already have an individual or company plan, whether a basic or premium plan, then you can stay on that plan indefinitely, regardless of your age, as long as your employer and your insurer are happy for you to continue on their plan after you retire. Group plan rates vary and depend on the number and age of employees; premiums should just continue to go up at the annual rate you are accustomed to. Another option for a retiree is to keep their existing health insurance from



is illegal and that these changes do not affect those already in palliative care or others right to receive it. The Human Tissue Transplant Law (2013) and Regulations (2018) came in to effect in 2018, and healthcare providers hope to start performing transplants midway through 2020. The Law allows adults (18+) to register as organ donors. Persons under 18 years of age need parental consent to register and can only donate regenerative tissue (e.g. bone marrow). This Law does not include the donation of eggs, fetal tissue or sperm and prohibits the trading of human body parts. If you have not registered prior to your death your organs/tissues cannot be donated once you are deceased. In addition, a Human Tissue Transplant Council has been established to monitor compliance with the Law, and oversee the new donor registry. The registry has the potential to connect Cayman with the overseas organ donation network, whereby patients gain priority on other international registries. For more information on the healthcare system and what the Cayman Islands have to offer, see the Health & Wellness chapter.

satisfying the requirements. Senior & Retirement Homes Cayman does not currently have any particularly sophisticated options for retirement homes. We do, however, have The Pines Retirement Home, which is open to all and The Golden Age Residential Home in West Bay which is managed by the Department of Children and Family Services. Everyone agrees that another retirement facility is needed and as such the Department of Children and Family Services is exploring the idea of creating a purpose-built facility in the East End.

Tel: (345) 943 1177 Email: support@caringhandscayman.com www.caringhandscayman.com Caring Hands Cayman is a home healthcare provider. They are dedicated to enhancing the quality of life, dignity and independence of Cayman’s elderly or for those needing Cayman Islands.

Tel: (345) 949 5650

Cayman Care Direct

Email: info@thepinescayman.com

Tel: (345) 916 8545


Cayman Care Direct focuses on medical,

The Pines Retirement Home is a non-profit,

dietary, pharmaceutical, and activity support

charitable organisation established to provide

along with intermediate nursing. They are

residential accommodation primarily to meet

committed to providing the highest standard of

the needs of elderly citizens during their

private nursing and support, sensibly designed

retirement. Over time the emphasis has moved

to meet the unique needs of both yourself and

to the provision of care provided by RNs in

your loved one.

response to the needs of the community and the high care requirements of many of its private, doubles, and wards. The cost is

If you are the dependent/spouse of a Permanent Resident and they die before you do, the right of the surviving spouse to reside in the Islands may be revoked at the discretion of the Chief Immigration Officer. The surviving spouse may, within three months, apply for the Grant of Residency Certificate for Persons of Independent Means upon

a rate of CI$45 per day for seniors wanting to


Caring Hands Cayman

60 Pines Drive, George Town

residents. There are 48 beds split between


In-Home Carers

help recovering at home or while visiting the The Pines Retirement Home

Immigration Considerations Cayman welcomes wealthy retirees with open arms as long as they have enough money to buy a house and support themselves in old age. Without a regular tax base the Cayman Islands Government does not have the resources to support an aging population. Please see the Immigration chapter for more information on how to become a resident of the Cayman Islands.


full assessment needs to be undertaken and then the level of assistance required is investigated. This is only open to Caymanians. The NAU is located at 55 South Church Street, George Town. Tel: (345) 946 0024.

CI$3,100 per month for a shared room or ward, and CI$3,600 for a private room. These rates include three meals per day and snacks as well as varying levels of assistance with daily living activities, housekeeping, weekly outings and more. There are also seven villas on the property which are rented to independent seniors for between CI$950-$1,850 per month (meals not included). Daycare is provided Monday through Friday from 8.30am-5pm for spend the day at The Pines. The home is open to all citizens of the Cayman Islands.

Poor Relief Payments For those too elderly to work, who are over the age of 60 and are in great need, the Needs Assessment Unit (NAU) currently offer a monthly stipend of CI$750. A

End-of-Life Palliative Care Cayman’s free hospice care service has been rebranded as Jasmine (previously called Cayman HospiceCare) and, after 20 years of dedicated service to the public, they now have Jasmine Villa to call home. Opened by the Duchess of Cornwall in March 2019, this 6,000sq ft, purpose-built facility includes nurses’ rooms, meeting rooms, administrative offices, and four patient rooms that can also accommodate family and caregivers. In addition, there is a family room, a meditation room, kitchen and a multi-purpose community room, granting them the space to offer support services for struggling caregivers and grieving survivors. Jasmine (previously Cayman HospiceCare) West Bay Road, behind Coconut Joe’s Tel: (345) 945 7447 Email: info@jasmine.ky

www.jasmine.ky Jasmine is a non-profit organisation. They are dedicated to providing comfort and care, free of charge, to those living on-Island with cancer or other end-stage diseases. They are committed to improving the lives of those affected by death, and assuring long-term emotional, spiritual and general well-being for survivors after loss. They employ specialist nurses and caregivers and have a team of trained patient care volunteers to offer support to patients and their families. They also offer Music and Art Therapy, Counselling, Yoga, Reiki, Therapeutic Massage, Lunch Club and Bereavement Support. Their services include: doctor’s visits, nursing visits, medical equipment (such as wheelchairs or walkers), prescriptions, short-term in-patient care in a villa, caregivers to support care or provide at home respite care, specially-trained hospice volunteers, grief and loss counselling for you and your family.


• Wills


Wills & Probate There is no inheritance tax in the Cayman Islands. The Succession Law (2016) Revision implements freedom of disposition, believing that you can dispose of your assets as you please. This makes it very hard to contest legal Cayman wills, and so it is imperative that you have an understanding of the legal process and an up-to-date will. The Law provides that a grant of probate or letters of administration from the Grand Court of the Cayman Islands are required to administer a deceased’s estate. Cayman wills can be probated for fees of around CI$300. The application for probate must be filed within six months of the death, otherwise an application has to be made to the Grand Court for special leave. When probate is granted around four months later, it records the executors and acts as proof of their legal entitlement over the deceased’s estate. You will need to obtain sufficient copies of probate to change the names of any bank accounts or land titles. It is important to note that under the Succession Law, executors are only entitled to a very small percentage of the estate. However, if the executor is an attorney-at-law, a clause can be included in the will that entitles him or her to charge and be paid usual fees rather than the fixed percentages prescribed by the Succession Law. The Formal Validity of Wills (Persons Dying Abroad) Law (2018) prescribes that a will is considered valid if it conforms with either the laws of Cayman or the laws where the will was made. This Law also applies to wills written before its 2018 conception. This Legislation does not affect foreign wills with Cayman immovable assets (e.g. property), as Cayman law already applies. However, the following process is the same whether the assets are immovable or moveable. After the will has gone through the process of being registered under the law of the relevant country, it can be re-sealed by the Cayman Probate Court. It will then be treated as if it were a Cayman will and follow the same procedures. The only exception is if it is in a language other than English, in which case a certified translation is required. Please

As a full-service law firm we draft trusts and wills as well as set up foundation companies and family offices for both residents and non-residents of the Cayman Islands. We are able to assist non-residents who have assets in the Islands whether real estate, shares in a Cayman company or bank accounts. We represent clients in connection with trust and estate disputes as well as provide guidance and advice on legal issues arising from trust and estate administration matters.

• Trusts • Probate • Family Offices • Estate Administration • Foundation Companies • Dispute Resolution

For further information, please contact:

Robert Mack Head of Private Client & Trusts HSM Chambers +1 345 815 7356 rmack@hsmoffice.com

Choose the Experts. Choose HSM.

+1 345 949 4766

68 Fort Street George Town PO Box 31726 Grand Cayman KY1-1207 Cayman Islands www.hsmoffice.com


www. c a y m a n r e s i d e n t . c o m




note that not all countries allow wills to be resealed, and so you must check prior to writing your will. Dying intestate (i.e. without making a will) makes the situation significantly more complicated. If a Caymandomiciled person dies intestate, a personal representative, such as a surviving spouse or child, has to apply to the Grand Court for a grant of letters of administration. This grants them the power to deal with the deceased’s assets in accordance with sections 28 and 29 of the Succession Law, which dictates exactly how it must be administered. In order to navigate this process, seek advice from a duly qualified attorney-at-law. HSM Attorneys-at-Law can assist you in writing a will or advising on probate, alternatively refer to the Working in Cayman chapter for a list of law firms who will also be able to help. HSM Attorneys-at-Law 68 Fort Street, George Town Tel: (345) 949 4766 Email: info@hsmoffice.com www.hsmoffice.com HSM lawyers can provide guidance and advice on local and international wills and probate matters for both residents, and non-residents of the Cayman Islands. They offer assistance drafting wills and obtaining grants of probate. They also represent clients in connection with trust and estate disputes and non-contentious trust and estate matters. SEE AD PAGES 58, 77 & 95

Inheritance Tax & Domicile For foreign residents, inheritance tax may still be due in their country of domicile. Your lawyer will be able to determine whether or not you are domiciled in Cayman, or advise you on the steps you should take to change your domicile to Cayman. Purchasing a grave plot or vault in the Cayman Islands and purchasing insurance which pays for your mortal remains to be repatriated to Cayman are two ways to prove your domicile is in Cayman. For more information on this subject please refer to the Immigration chapter. 96




When a person dies the next of kin are left with a number of decisions and arrangements to make. Fortunately, undertakers are there to help guide family and loved ones through the process, take care of the paperwork and ease the burden as much as possible. The main decision to be made is whether the body is to be buried, cremated or repatriated. Funeral homes help in all three scenarios. There are two funeral homes in the Cayman Islands: Bodden Funeral Services and Churchill’s Funeral Home. Both provide the same range of services and similar funeral packages, although Bodden Funeral Services has the only crematorium in the Cayman Islands. Overview of the Process If a person dies of natural causes – that is, the death is not sudden, violent or suspicious – the process is as follows: >> If that person has been under the direct care of Jasmine, the deceased is taken to a hospital where an examination is carried out, the person is pronounced dead, and the body is then moved to the funeral home. >> If the deceased has not been under the care of Jasmine the next of kin must contact the hospital. The body must be taken to the hospital where a medical practitioner determines whether or not further investigation is required. >> Meanwhile, the undertaker will collect the necessary information and complete the paperwork for the death certificate. This is then presented to Medical Records where the attending physician verifies the information, fills in their portion and sends it to General Registry. When the death certificate is ready, the body is released to the funeral home for burial, cremation or repatriation. Additional death certificates can be ordered online on the CI General Registry website (www.vitals.ky) or at the Government


Administration building for a fee of CI$10. In cases where a person is terminally ill and going through the end stages of life it is advisable to contact Jasmine as it can simplify the process significantly.

Burial If the deceased’s wishes are to be buried, the next of kin must decide, with the help of the undertaker, on a casket, clothing for the deceased, whether to hold a service and if so, what type of service. Other considerations will include whether to have flowers, a programme, and announcements of the death on the radio or in the newspaper. The average funeral package is CI$2,500 and these costs should include everything other than flowers, announcements and the funeral programme. When you call the funeral homes to work out the cost of the funeral package make sure to ask the following questions: >> Do they charge a storage/cooler fee to keep the body for the days before the funeral? If so how much is it per day? It can take time for loved ones to get to Cayman and a funeral can often be delayed for one to three weeks. A cooler fee can easily add CI$1,000 to the cost of the funeral package. >> How often can you view your loved one and is there a fee to view the body? Are there any restrictions you should know about? >> What make and material is the casket that is included in the basic package? Google the casket and see if it is what you want. Upgrading to a different casket can add upwards of CI$500 to your bill. >> Ask what the basic package includes. It should include the following: transfer of the body to the funeral home, cool-storing the body in their facility, all clerical paperwork, embalming (required for repatriation), dressing, restoration, hair and make-up, coffin, viewing at the funeral home, staff for the service, transportation, hearse for


the coffin, free bus for the family to the gravesite, gravesite equipment (chairs, tent, drinking water, coffin lowering device), vault sealing, guest books, one newspaper announcement and four radio ads. It would not include flowers, additional announcements and the funeral programme. If the deceased is a civil servant, died in a tragic accident, or is under the age of 18, then ask if the funeral home will offer you a discount on their funeral package.

Preplanning Funerals In other countries it is not uncommon for people to preplan their own funeral well before they become ill, and then leave this plan on file with their chosen funeral home. In the plan you can let your family know whether you want to be cremated or buried, whether you want to forgo the expensive coffin and whether you would rather they not go over the top with flowers. You can also buy a Government or a private burial plot in advance and let the funeral home know the details. Leaving a plan for your funeral will take a huge weight off your family. You can also pay for the funeral costs in advance and the funeral home will freeze the cost even if it is 30 years between the time of writing it and the time your family needs to access your file with the funeral home and initiate your wishes.

Environmental Health to ensure that the vaults are constructed to DEH specifications. These, however, are not available for public purchase as most of them are on family owned land that is used as a gravesite for that family only. The Garden of Reflection, Prospect Point Road is a private cemetery in Prospect that has grave plots available for the public to purchase. This cemetery currently has 550 available plots (as of August 2019). Grave plots can be purchased for CI$3,750CI$6,500 and the cost includes landscape maintenance. The plots are sold and managed by Crighton Properties, and the company maintains accurate records to ensure that reserved grave plots are not built upon. You can contact Crighton Properties on (345) 949 5250 or email: dalec@crightonproperties.com or through your undertaker. Grave vault construction must be arranged by the family and local contractors charge between CI$3,200 and CI$3,600 to build a concrete vault. The size of a single plot is 4ft x 8ft and there

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www. c a y m a n r e s i d e n t . c o m




Burial Assistance For those in need, the Needs Assessment Unit (NAU) can provide financial support to bury loved ones. They can give families a maximum of CI$2,500 towards funeral packages and/or a maximum of CI$1,200 towards a vault. You will need will need to visit the NAU office, fill out the required forms, along with any supporting documents, and wait to be assessed by one of the officers. They are located on 55 South Church Street, George Town. Tel: (345) 946 0024.

Cemeteries Management The vast majority of cemeteries on all three Islands are either privately owned family plots or Government owned, but there is one cemetery in Prospect where anyone can buy a burial plot and it is run as a private business. Public/Government owned cemeteries are managed by the Department of Environmental Health who are responsible for the allocation of land for burial, design and construction of burial vaults. Public burial plots/vaults can be reserved and bought at the Department of Environmental Health (DEH) office (Tel: (345) 949 6696 or email: dehcustomerservice@ gov.ky) for a fee of CI$1,200 for adults and CI$600 for children. Family plots can be purchased at public cemeteries, however, most sites are full and it will be hard to obtain a plot situated next to your loved ones. Anyone can buy a plot in a public cemetery; you do not have to be Caymanian. Private cemeteries on-Island are still monitored by the Department of



List of Public Cemeteries: West Bay - West Bay by the Fire Station (Closed: all vaults are sold), Boatswain Bay and North West Point. George Town - Dixie (Closed: all vaults are sold), South Sound (Closed: all vaults are sold), Prospect and Spotts (Closed: all vaults are sold). Bodden Town - “Old” Bodden Town across from the Bodden Town Clinic (Closed: all vaults are sold) and “New” Bodden Town located on the same side of the road as the Bodden Police Station, going East. East End - East End and Gun Bay. North Side - North Side and Old Man Bay. Cremation If the deceased is to be cremated, the main decision for next of kin will be the type of service they want: one with the body present, followed by a cremation, or a memorial-type service, where there may be a picture, or an urn, but no body. Cremation packages range from CI$2,000 to CI$3,000. Burial at Sea Sea burials are an option worth considering in Cayman. They are a natural and sustainable alternative to traditional burials and can be a thoughtful way to pay homage to the seas. To obtain the necessary permission for a sea burial, you must submit a copy of the death certificate, a certificate of non-communicable disease and the Burial Order to the Department of Environmental Health (DEH). Once this has been confirmed, the body must be prepared for a sea burial by a licensed mortician and the casket must adhere to a specific set of guidelines which can be found on the DEH website (www.deh. gov.ky). The burial must take place at least five nautical miles from shore, at a minimum depth of 700ft, and outside of traditional fishing grounds. Although 98



they say it is not a common option, the team at Bodden Funeral Services (345) 949 7464) has experience with sea burials and can assist you if this is a route you would like to take. If you would like to scatter your ashes at sea the only requirement is you do so at least three nautical miles from the shoreline. Repatriation For expat workers, repatriation is often the preferred choice. The next of kin will need to decide whether to repatriate the body in a casket or whether to send it as freight, which is more cost-effective. The paperwork varies considerably depending on the country the body is to be repatriated to, and thus so does the cost. Repatriation to the US, Canada or UK is quite straightforward and quick to arrange. Repatriation to Cuba and the Philippines, however, is much more complex, so the administrative costs are higher. Funeral homes will take care of all the paperwork and arrangements, including the embalming which is a non-negotiable requirement for the deceased to be shipped overseas. The basic cost is CI$2,500, plus airfare and paperwork costs.

must be presented to Customs upon the body/ashes arriving. Funeral Planning Needless to say, arranging a funeral or memorial is a distressing affair but funeral homes do all they can to ease the burden and make the process as straightforward as possible. Undertakers are experienced at guiding families through the decisionmaking, asking the necessary questions and making as many of the arrangements as they can. Funeral homes also offer a pre-planning service, so that if a person is in the end stages of life their family and next of kin have the option to talk with undertakers and make key decisions and plans ahead of time, which are then enacted at the time of death. It also worth noting that one can take out Final Expense Insurance Coverage which, depending on the policy, will cover some or all of the costs of a funeral. Funeral Homes There is no set time frame within which burials, cremations or repatriations must occur and, barring unforeseen complications, these can usually take place as little as two to three days after death. Bodden Funeral Services

Importing a Body/Ashes to Cayman In the event that the death occurs abroad, to bring a body/ashes to Cayman you must have received permission from the DEH. Either by mail or email you need to provide the DEH with the following information: the deceased’s full name, place of birth, name of person responsible for the remains, arrival date of the deceased, a copy of the death certificate with cause of death (specifying whether the death was from a non-communicable or communicable disease), a US$25 administrative fee and, if applicable, a cremation certificate. Please note that for non-residents the administrative fee is US$100. Requests must be made at least 48 hours prior to the body/ashes arriving in Cayman. If granted, you will receive a letter of approval which

117 Walkers Road, George Town Tel: (345) 949 7464 Email: sruby@boddenholdings.com www.boddenfuneralservices.com Bodden Funeral Services have been in service to the Cayman Islands for over 60 years. They offer burial, repatriation and are the only option for on-Island cremation services. Their undertaker is available 24 hours a day to assist your family in times of need. Churchill’s Funeral Home 328 Eastern Avenue, George Town Tel: (345) 943 4663


is a 5% discount if the family buys more than four plots.

Email: churchills@candw.ky www.churchillsfuneralhome.com

Tell them you saw it in the

Preparing to move

Photos courtesy of Julie Corsetti and Jonathan Sparrow.

Everything you need to know about the process of moving: things to consider before signing a contract, what and what not to bring, duties and fees, the cost of living and shipping considerations.


Gateways to Cayman Grand Cayman’s Owen Roberts International Airport (GCM) is a relatively busy airport with over 1.4 million passengers passing through it each year. The airport is located in the capital, George Town. In March 2019, Prince Charles and the Duchess of Cornwall officially opened the new airport terminal. It is hoped that the new terminal will alleviate the overcrowding issues as it should now be able to accommodate up to 2.7 million passengers a year. The Government is already planning the next upgrade to the airport: extending the runway. Lengthening the runway from its current 7,008ft, to 8,000ft or even 9,000ft, as well as strengthening the pavement, would enable larger planes and longer direct flights to land in Grand Cayman, therefore encouraging tourism from European countries. At the time of going to press the Government had requested bids for the project so we look forward to hearing more about the development. The national carrier of the Cayman Islands is Cayman Airways which travels to and from 12 destinations. The main gateway to Cayman is Miami as they have daily flights to Grand Cayman, but you can also catch a flight from Charlotte, Chicago, Havana, Jamaica, La Ceiba, Tampa, New York and the Sister Islands. Other airlines that service Cayman are: Air Canada, American Airlines, British Airways, Caribbean Airlines, Delta, JetBlue, Southwest, United Airlines and WestJet. They offer gateways to Atlanta, the Bahamas, Dallas, Kingston, London, Toronto and more. Some airlines and destinations only operate in high season which is generally December to April.

The Process of Moving - Cayman & Miami Freight Forwarders - International Packers & Movers - Shipping by Air - Excess Baggage - Cost of Living Tables - Shipping by Sea


Moving to Cayman may be an exciting, significant milestone in your life but there are a lot of details to consider before you arrive on the Island, move into your new home, unpack, start your job and then finally put your feet in the sand.


Moving to Cayman99 - Gateways to Cayman 99 - Cost of Flights & Flying Time 99 - Special Services 100 - Relocation Services 100 - Time Zones 100 - Before Signing Your Contract 100 - Cayman Currency 101 - Weights, Measurements & Temperature 102 102 102 103 103 103 104 105

Shipping Considerations105 - Import Duty 105 - Customs Clearance 106 What to Bring


Cost of Flights The average cost of a return ticket from Miami is US$400, from New York US$500, and from London US$1,300. Please note that costs will vary according to high or low season. Flying Time to Cayman The flying time from Miami to Grand Cayman is 1.5 hours. The flight from London is 10 hours (with 45 minutes on the tarmac in Nassau). Flying time from Toronto and New York is four hours.


www. c a y m a n r e s i d e n t . c o m


Special Services To ensure a stress-free arrival and departure to and from the Island, there are a few reliable companies that offer special services to help you. As per Cayman Islands law, hotels and condos cannot offer a free shuttle to arriving visitors, however, regular taxis are readily available on arrival at the airport. See page 253 for more information on taxis. Grand Limousine Services

fully customised for the employee, providing

employer will do to absorb or mitigate certain costs. Here are some questions that you may want to ask your new employer before you accept a job offer:

information on housing and schooling options,

1) Cost of Shipping

They offer an employee relocation programme and work in conjunction with many employers on the Island. The orientation they provide is

key amenities, shopping, recreation, social groups, sports clubs, medical and banking

2) Accommodation & Renting a Car Will the

living conditions and any special concerns. They

company provide you with a place to live

also help private individuals interested in moving

and a rental car for your first month on the

to Cayman. They are part of a global network of

Island? See the Finding a Home chapter

destination service providers.

for a list of temporary accommodation options.

Offers airport transportation in luxury and style. They are also available for special events. Island Air Tel: (345) 949 5252 or www.islandair.ky An aviation service for private and chartered aircraft offering a cost effective and hassle free experience for aircrafts arriving in Grand Cayman, including ground handling and a refuelling service. They can also act as an


personal items to Cayman?

facilities, vehicle purchasing and hire, typical

Tel: (345) 916 7772 or www.limo.ky


Will the company

contribute towards transporting your

intermediary for those wishing to purchase a private aircraft. Island Air offers a VIP meet and greet service which includes full assistance with customs and immigration, luggage handling and transportation both at the private general aviation terminal and/or main airport terminal.

Time Zones While the US employs daylight savings, the Cayman Islands, being nearer to the equator, has relatively equal periods of day and night year-round. There’s really only about an hour difference in daylight between 20th June and 20th December, so Cayman keeps the same time all year (-5 hours Coordinated Universal Time). This means the Islands share Eastern Standard Time (EST = -5 UTC) with Miami and New York from November to March. However, when the US switches to daylight savings time in March, Cayman then shares Central Daylight Time (CDT = -6 UTC) with Chicago and Houston.

3) Cost of Setting Up Your Life in Cayman It is worth being completely aware of the costs of setting up a home in Cayman. For example you will have to buy a car and a year’s worth of car insurance; pay deposits on a house or apartment including deposits on getting your electricity, water and telephone set up. You will have to take a driving test and pay for a driving license. For a couple without children we estimate this to be just under CI$10,000, but for a couple with children we estimate it to be closer to CI$23,000, or even more if you don’t want the most basic of second hand cars. See the Running Your Home chapter for detailed cost estimates. 4) The Cost of Living This will invariably

Royal Limo Grand Cayman http://royallimocayman.com Luxury chauffeur service. Websters Tours Ltd Tel: (345) 945 1433 or www.websters.ky Offers full airport arrival and departure services as well as on-Island transfers and Island tours.

Relocation Services It is often helpful to enlist the help of a relocation consultant. ‘Destination Services’ as it has come to be known, offers private and corporate clients unbiased assistance and invaluable insight into Island life. Blue Point Consultants Ltd. Tel: (345) 925 2727 Email: info@bluepointproperty.com www.bluepointproperty.com 100



Before Signing Your Contract When planning your move to the Cayman Islands you will need to know what to expect in terms of the cost and standard of living, as they may be very different from what you’re used to. Bear in mind that the cost of living in Cayman is high (see the Cost of Living tables later in this chapter). Unless you are moving from an expensive city such as London or New York, you may discover that everything from groceries and electricity bills, to maintaining a car and schooling your children will cost significantly more. In fact, in July 2019 the Cayman Islands was ranked as the most expensive place in the world to live by Expatistan. Visit www.expatistan.com for more information. The process of moving can be very costly. Before signing, find out what your

depend on your standard of living but we advise that you design a budget before taking the leap to Cayman. Things to take into consideration are your salary, minus 5% pension and your portion of health insurance. Then factor in accommodation, utility bills (water, electricity, phone, TV, internet), running a car (gas, licence and insurance), groceries, school fees, entertainment, activities, clothes, flights off the Island, savings, etc. 5) The Currency of Your Salary What currency will your salary be paid in? If you will be paid in US dollars, is it at the going rate? For example you might think US$60,000 is a fair salary for a qualified accountant, but it’s actually only CI$49,200 (when using the bank exchange rate of .82) and the cost of living is greater here than in the US. Be aware that you will pay for almost everything in CI dollars, so if you are paid

in US dollars you are better off taking the money you need out of the bank in CI dollars than paying for something at a store with US cash at a conversion rate of .80. On a salary of US$60,000 per year you will save around CI$1,200. 6) Health Insurance This is compulsory and it is essential that you ask whether your company will be covering more than 50% of the basic plan required by law. Premium health insurance coverage for an individual will cost at least CI$500CI$875 per month, double that for a couple and triple that for a family. Though the Law states you only need the basic plan, the premium plan should be considered for better coverage. A good employer will pay at least 50% of a premium plan,


including half of the insurance cost of your family. However, this will still leave you with a monthly deduction of between CI$650-CI$1,250 per month (if you are on


a premium family plan). 7) Vacation Time How many weeks of annual holiday does your contract provide for? There is a disparity in Cayman between companies which offer only the US system of 10 working days per year and others which offer 3-4 weeks. Be sure to ask! 8) Can Your Children Join You? Unless you are guaranteed to earn a minimum of CI$3,500 per month, you will not be allowed to have your children join you in Cayman. See the Immigration chapter for more information. 9) Divorce If you get divorced during the tenure of your stay, the non-working spouse will have to leave the Island or obtain a work permit, regardless of whether you have children. Your children can stay if they are listed as dependants

U.S. Personal & Delivery Address Deluxe Freight Inc. 11401 NW 107th Street, Suite 100 Miami, FL 33178

on your work permit.

Cayman Currency The Cayman Islands Dollar (CI$) is tied to the US Dollar and does not fluctuate. The exchange rate is CI$1 = US$1.20. The cash exchange rate is CI$1 = US$1.25 which means that US$20 cash is worth CI$16 or US$5 is worth CI$4. US Dollars are accepted everywhere. Credit and debit cards are widely accepted and there are


www. c a y m a n r e s i d e n t . c o m


numerous ATMs throughout the Island. Currency denominations are as follows: CI$1, 5, 10, 25, 50 and 100 dollar bills. Weights, Measures & Temperature Cayman uses the US system of miles for distances, mph for speed, inches for length and pounds for measuring weight. Petrol is sold by the Imperial gallon. For temperature, Fahrenheit (°F) and not Centigrade (°C) is used. THE PROCESS OF MOVING



When it comes to moving to the Cayman Islands you have three options: the first option is to do 98% of the work yourself by packing up your belongings and arranging for a company to ship your personal items to Cayman. This may be the least expensive option but it certainly isn’t the easiest. You must be prepared to arrange for the items to be inspected and cleared by customs when they arrive in Grand Cayman, pay the Port Authority and have your items picked up and delivered to your new home. The second option is to pack everything yourself and have a freight forwarder organise the collection, shipping and customs clearance on arrival. The third option is to arrange for a moving company to do everything for you from packing up your home, trucking to the port and organising the shipping, to clearing it through customs in Cayman, arranging for delivery to your new home and finally unpacking and set up. If you decide to use a moving company you will need to book it at least eight to ten weeks in advance. It’s prudent to find out if they are an accredited member of a moving association to ensure that you will have recourse if you encounter any problems. Sort through your personal items and decide what you are going to take, then call the moving company so they can visit your home and work out a quote. Be sure to get any quote in writing, but keep in mind that most expire after 30 days. Next, establish a time frame for your move and confirm that the insurance policy being offered has sufficient protection 102



to cover the cargo for the duration of the journey, i.e. until you take possession at the new destination. You should also discuss the deductible. Ask your mover to provide a copy of the documents with the itinerary, along with an itemised inventory and the name of the receiving agent at the destination. Finally, the moving company will expect payment prior to exporting or shipping your personal effects, as it will be necessary for them to prepay the freight and any other handling and destination charges. Listed next are some locally-based shipping companies, freight forwarders and moving companies who, to one degree or another, can help you move your home or business effects to or from Cayman. Their standard of service is very high.

Email: cica@cicustomsagency.ky www.cicustomsagency.com A customs broker whose services include twice a week ocean consolidations and cargo clearance, daily air shipment handling and clearance, freight forwarding, small package service, customs brokers, freight consolidating, delivery, vehicle clearance and licensing.


Miami Office / Deluxe Freight 11401 NW 107th Street, Suite 100, Miami, Florida 33178 Phone: 1 (305) 513 0156 or (345) 949 2350 Email: sales@deluxefreight.com or cica@cicustomsagency.ky www.deluxefreight.com Services






consolidations, daily air shipments and a small package service for cargo 12 cubic feet or less for CI$67 (inclusive of all charges except for duties

Cayman & Miami-Based Freight Forwarders Freight forwarders facilitate the entire shipping process between Miami and Grand Cayman and vice-versa. When shipping to or from Miami there are three options you can consider, depending on the quantity. All companies charge by cubic feet, rather than by weight. Firstly, you can book by the container load, secondly, your belongings can be consolidated with other packages, in what’s known as Less than Container Load (LCL) and thirdly, there is the small packages service, which is particularly useful if you’re buying items online from vendors that won’t ship to Cayman. If you need this service, you will be provided with a postal address in Miami for your package to be delivered to, it will then be shipped to Cayman. For all three services the freight forwarder will organise all the paperwork and clear the goods through Customs. The following companies offer this type of freight service. Note: You should contact the office in your country of origin to start the process.

and insurance for any cargo over US$1,000). Mail Boxes Etc. Tel: (345) 745 1400 Email: info@mbe.ky or www.mbe.ky Miracle Brokers c/o Crowley (Cayman), 10205 NW 108 Ave, Suite 1, Medley, Florida 33178 Tel: (345) 949 5989 or USA: 1 (786) 814 6613 Email: info@miraclebrokers.com Services include logistic coordinators for international (import/export) and local house moves. They offer freight forwarding and a small package service from Miami to Cayman. They can also provide packaging materials and enclosed trucks. They are fully licensed and insured. SE E AD PAG E 105

Sta-Mar Enterprises Ltd. Tel: (345) 949 2399 Email: info@stamar.ky www.sta-mar.com Services include customs clearance and brokerage, services

complete for







shipments, moving services, freight forwarding from Miami and preclearance for perishable cargo. For all your online shopping needs Sta-

Cayman Islands Customs Agency (CICA)

Mar offers three freight forwarding services,

Tel: (345) 949 2350

providing customers with a US delivery address

plus customs clearance and on-Island delivery

for ZIM, Crowley and Hoegh Autoliners. They

if needed. USA 2U offers a weekly airfreight

offer trained packers and movers, furniture

and Sta-Mar has a three day priority and a two

installers and customs clearance. They are fully

week sea freight all at a very competitive rate.

accredited and insured and are members of the


Household Goods Forwarders Association.

to deliver the items packed for shipping to the cargo area at the airport. Once they are delivered in Cayman you will need to either arrange collection yourself or use a customs broker.


International Packers & Movers The following companies offer a full international moving service that takes all the stress out of moving. They will organise the whole process for you from professionally packing up your house, organising for your belongings to be shipped to Cayman, sorting out the relevant paperwork, paying the port authority and any duty and finally, delivering the goods to your new home in Grand Cayman. Miracle Brokers c/o Crowley Cayman, 10205 NW 108 Ave, Suite 1, Medley, Florida 33178 Tel: (345) 949 5989 or USA: 1 (305) 320 4004 Logistic coordinators for international moving both to and from Cayman. They are the agents

Tel: (345) 949 8575 Email: dhlkysales@dhl.com www.dhl.com.ky DHL offers a reliable, worldwide door-todoor relocation service for those moving to Grand Cayman. They will manage the customs clearance process making your migration to Grand Cayman a breeze. Contact DHL for special Cayman rates.

Shipping by Air All local and Miami-based freight forwarders can also ship by air. Alternatively, Cayman Airways Cargo has an air shipment service which can prove to be a cost-effective shipping option if you are moving from the US. You need

Excess Baggage If you are only bringing your personal effects with you, other options to consider are using your airline’s excess baggage allowance. Cayman Airways now charges a fee of US$20 on the first and second bag for economy class passengers travelling to or from Miami, Tampa, Jamaica, Honduras and Cuba. Passengers travelling to or from New York or Chicago will be charged US$25 for the first bag and US$35 for the second bag. If your bags exceed the weight limit of 55lbs you will be charged, however, more bags can be checked for a fee. Southwest airlines, who fly direct to and from Fort Lauderdale, accept the first two checked bags for free, as long as they are under 50lbs. The free baggage allowance on British Airways varies depending on

Freight Forwarders & Customs Brokers IN BUSINESS SINCE 1971

Full range of Customs Clearance and Brokerage Service

Relocations On and Off Island

Assistance with Customs Documentation

Shop Online and forward your packages to our Miami Warehouse for our low cost Ocean Freight or our 3 Day Priority Service

Import/Export of Personal and Commercial Cargo

Local Cayman Moves & Deliveries

Call 949-2399 | info@stamar.ky | www.sta-mar.com

492 North Sound Rd | @The Conch Shell House

Cayman Business Concierge Ltd. 345-321-5020 cbcltd345@gmail.com

Speedy and cost effective air freight service



Business consultancy and shipping concierge for events


www. c a y m a n r e s i d e n t . c o m




Email: info@miraclebrokers.com


Cost of Living in the Cayman Islands Grocery Costs





CI $

US $


CI $

US $

Butter (Anchor 16oz)



Bath Towel



Baby Food (Gerber 8oz)










Baked Beans (Heinz 415g)



China Set (Gibson 16 piece)

Batteries (Duracell pack of 4 AAA)



Coffee Maker (Mr.Coffee 12 cup)

Beer (Pack of 6)



Cutting Board (Kitchen Details 14” x 10”)



Bread (Nature’s Own Whole Wheat)



Dishwasher (Whirlpool)



Cat Food (Friskies 5.5oz can)



Alarm Clock



Cereal (Kellogg’s Original 12oz)



Plates Set (12 piece)



Chicken (breast per lb)



Glasses Set (4 piece)



Cigarettes (Camel per pack 20)



Igloo Wheeled Cooler (70 quarts)



Coca-Cola (6 pack cans)



King Comforter Set (7 piece)



Coffee (Nescafé Instant 200g)



King Sheets





Disposable Diapers (Huggies 24)




Dog Food (Pedigree dry food 17lb)



Light Bulbs (2 pack 60w)



Eggs (6 Organic Valley)



Microwave (Avanti 1.4 CU ft)



Ice Cream (Häagen Daz 1 pint)



Paint (Flat interior 1 gal)



Laundry Detergent (Tide 32 loads)



Pan Set (Farberware 12 piece)





Milk (2% ½ gallon)



Refrigerator/Freezer (22 inch)

Milk (Organic whole, 64 oz)



Screwdriver Set (6 piece)


27.30 1,529.81

Shampoo (Pantene 12.6fl oz)



Stove (Whirlpool 30 inch glass top)


Shower Gel (Dove 12oz)



Tall Kitchen Bin (11 Gallon)



Sirloin Steak (per lb)



Television (LG 43” flat screen)







Still Water (Aquafina 1 litre)



Toaster (Cuisinart Stainless Steel 4 slice)

Razor Blades (Gillette Venus pack of 3)



Washer/Dryer (Whirlpool)

Red Wine (Six Eight Nine 750ml)



Tampax (Super pack of 20)



Toilet Paper (Charmin pack of 4)



Tomato Soup (Campbell’s 305g)



Toothpaste (Colgate 6oz tube)



Tuna (Bumble Bee 5oz can)



Average Apartment House Rental Rates (Mid-range) Expense

CI $

US $

Studio apartment





White Wine ( Six Eight Nine 750ml)



1 bedroom apartment

Whole Grain Rice (Uncle Ben’s 907g)



2 bedroom apartment



Yoghurt (Dannon All Natural 32oz)



3 bedroom apartment





3 bedroom house with garden

Medical Care Expense

CI $

US $

Advil (20 tablets)





Dentist Consultation Dental Hygienist Cleaning


Consultation with a GP (NB: Any procedures are extra)



Hospital Daily Rate Private Room



Hospital Daily Rate Semi-Private Room







Monthly Household Expenses for a 2-Bed Apartment (*optional) Expense

CI $

US $

Electricity (including a/c)






Cable/TV (basic package plus movies)



Telephone + Mobile (excluding overseas)



Internet Connection



Cleaner - once per week/per month*



A/C Maintenance – per quarter*



Pest Control – per quarter*



the destination of travel and ticket class purchased. Fees for extra bags are less if you pay for them in advance online. WestJet charges CAD$35 for the first bag, CAD$60 for the second and CAD$100 each for third and fourth bags. Shipping by Sea Transit time from Florida to Cayman is usually two to three days. You can ship your personal items through a shipping company (see below) or a freight forwarder. Upon arrival in Cayman, you or your freight forwarder of choice will be required to clear the shipment through Cayman Customs and the Port Authority and then arrange delivery.

Ships full containers or LCLs. Their ship leaves the Port of Palm Beach (Florida) for Grand Cayman every Tuesday and Friday. SHIPPING CONSIDERATIONS

Import Duty Visitors and residents that are flying into the Island will no longer have to declare their goods through customs if they do not exceed the CI$500 goods allowance or the alcohol and tobacco quotas. If you are entering Cayman to take up employment or residency

for a period in excess of 12 months, your personal and household effects are admitted duty-free, although they must be imported within six months of arrival. The six-month period starts the moment you arrive in the Cayman Islands, rather than the date your work permit is approved. For the import of used personal effects, you must complete a ‘Declaration For Unaccompanied Baggage’ form in addition to the Customs Import Entry form and produce proof of residency by way of a work permit or other means. If

Hyde Shipping Corporation


Full containers: 1801 SE 28th Street, Port Everglades, FL 33316, USA US Tel: 1 (305) 913 4933


or Cayman Tel: (345) 947 4933 Email: caymanteam@hydeshipping.com Less than container loads (LCL): 3740 W 104th Street, Suite 1, Hialeah, FL 33018, USA US Tel: 1 (305) 913 4933 Hydes send both full containers and LCLs to Cayman every Monday and Thursday. Seaboard Marine Cayman 8001 NW 79th Avenue, Miami FL 33166 US Tel: 1 (305) 863 4444 Cayman Tel: (345) 949 4977 Email: info@seaboardcayman.com www.seaboardmarine.com/grand-cayman/ Seaboard ships less-than-container loads from Miami and Jamaica and full-container loads from Miami, Brooklyn (NY), Houston and Jamaica to Grand Cayman. Shipping is also available from the Caribbean, Central and South America, the Far East and Europe. SE E AD PAG E 107

Tropical Shipping 9505 NW 108th Avenue, Medley, FL 33178 US Tel: 1 (305) 805 6620 Local Agents: Thompson Shipping Cayman Tel: (345) 949 8044 Email: sales@thompsonshipping.com


www. c a y m a n r e s i d e n t . c o m


you cannot import your household items within the six month window, it is possible to ask the Collector of Customs for an extension. You will need to write a letter to PO Box 898, Grand Cayman KY1-1103 or try calling: Tel: (345) 949 4579. Most mail-order items will be charged 22% duty and any gifts sent by family and friends are also subject to duty. Common duty charges can range from 7% to 27%. Below is a list of common items and their duty rate. A full list can be found on https://online.gov.ky/cols/faces/colshtc. Alcohol - $1.95 to $15.98 per litre




Once the Customs entry has been approved/ finalised by Customs, payment will have to be made at the Customs Department on Owen Roberts Drive, Tel: (345) 949 4579 before collection. There is also a Government inspection fee of CI$100 on all containers and CI$0.18 per cubic feet for less than container load shipments.


For air freight you‘ll need to go to the Customs Warehouse on Owen Roberts Drive to collect your shipment. You will pay the warehousing fee which depends on the weight and/or size of the package, whichever is greater.


For ocean cargo, once the shipment has been

Books – Free

released by Customs, go to the Port Authority

Cameras, binoculars, sunglasses – Free

on Portland Road in the Industrial Park area,

Cars – Between 0% and 42%

Tel: (345) 949 2055 to get Port Authority

Clothing and footwear – 22%

clearance of your goods. Once all fees are

Leather bags – Free

paid, you can collect your shipment from the

Musical instruments – Free

Port Authority. They are open Monday-Friday

Toys – 22%

8.30am-4.30pm and Saturday 8.30am-

Watches – 7%

12pm. For a 20ft container, the fee is CI$384.

Antiques over 100 years old - 0%

For a 40ft container, the fee is CI$768 and prices will vary for less-than-container loads

Customs Clearance Clearing your household effects through Customs yourself is possible, but it can be quite complex, so we recommend that you do it through a customs broker. They are reasonably priced and know the process inside out. The cost is usually CI$75-$100. If you’d prefer to handle the process yourself, here is an overview of what you need to do:


(LCL) based on the size and number of pieces in the shipment, calculated at CI$16.65 per 40 cubic feet and CI$7.20 per dock receipt. (Note: these prices are subject to change.) Collect your items as soon as possible, as storage is charged after 5 days.


In the event that your goods are to be inspected, you will have to arrange an inspection time with the Customs

Before your shipment arrives, you will

Inspection Unit and have your documents

first need to pre-register on the new

ready to show what has been declared.

Customs Online System (COLS) website (www.customs.gov.ky). Once you submit the request they will either approve the registration or they will advise, via email, what other documents are required. If approved,


Here are some basic guidelines to assist you in deciding what to bring to Cayman.

you will be given a COLS trader identification number (TIN) and login information.


You will then be able to log in to the COLS website where you must start the nine step process to declare your goods. Supporting PDF documents needed will include invoices and the Bill of Lading/Airway Bill. Confirming the declaration will constitute as your electronic signature which will be legally binding. This process is subject to change as Customs continually upgrade its systems.




Computers, Phones & Tablets Laptops, smart phones and tablets/iPads are dutiable if they were recently purchased overseas. If you are travelling to and from Grand Cayman with electronic devices you can register them so you are able to prove to Customs that these devices have not just been purchased abroad. Visit www.customs.gov.ky. See the Shopping chapter for details on where to buy electronic goods locally.

Clothing In Grand Cayman there is a reasonable selection of stores, but certainly not as many as in a large city and the prices will likely be more expensive than you are used to. Bring a reasonable amount of warm weather appropriate clothes and shoes with you. You may need a light sweater if you will be working in an air conditioned building or when we are hit with a cold front. Bring a raincoat for the rainy season.

Electrical Appliances Cayman runs on the same electricity system as the US (110/115v), but uses a 3-pin plug. However, the US 2-pin plug will work (see example in the Settling In chapter). If your appliances run on 220v, and they do not have dual capability, they will not work in Cayman. Some small electronic items (mobile phones, laptops and cameras) can be run and charged using a travel adapter. Importing Food Small quantities of meat and seafood can be imported as long as it is for personal use only. A ‘Certificate of Wholesomeness’ is required for seafood in excess of 20lbs and can be obtained by applying for an Import Permit from the Cayman Islands Department of Agriculture. Small quantities of meats (up to 25lbs) can be brought in by passengers in their luggage as long as the meat is from an approved country (www.gov.ky/portal/ pls/portal/docs/1/12702493.PDF), is prewrapped under a brand name and has the Official Seal of Inspection of the country’s Meat Inspection Authority. You can bring in coffee and herbs for personal use, as long as they are sealed in their original packaging. No fruit or vegetables can be brought into Cayman in luggage. Furniture, Lighting & Appliances Generally rented condos or homes come with all the basic furnishing, lights and appliances needed. If you’re buying a house or apartment, they will also usually come fully furnished, unless they have been newly built. Bring personal accessories and smaller items, like framed photographs etc. to help your new house feel like your own and any

larger pieces of furniture can be shipped from home later. There are some good furniture and homeware stores in Cayman but the selection isn’t comparable to that which you would find in the US, so think carefully before selling off good quality pieces of furniture. See the Shopping chapter for more information. If you intend on buying new furniture overseas, remember you’ll have to pay for the shipping plus 22% duty.

Wine Individuals can bring a maximum of four litres of wine in their luggage. If you want to import your wine collection from home you must bring it in through a company that has a liquor licence. Regardless of the value of your wine on the open market, the Cayman Islands Government charges the following duty per litre of wine: CI$10.80 for Champagne, CI$7.80 for sparkling wine, CI$3.60 for table wine and CI$5.25 for dessert wine.



Firearms/Weapons It is possible to import a firearm or your firearms collection to the Island, however, the Cayman Islands has very strict laws on the possession of unregistered firearms. It is illegal to possess a firearm without a Firearms Licence authorised by the Commissioner of Police. Punishment for this offence is severe with a minimum of 10 years imprisonment. To import, the applicant must complete a Firearms Licence and Import form, which can be obtained from the Royal Cayman Islands Police Service (RCIPS). In addition to providing the various supporting documents, the applicant will be required to declare that their firearm will be stored in a locked box or safe bolted to the wall and floor and the RCIPS reserve the right to inspect the safe, firearm and ammunition at any time. There is an active gun club on the Island, see the Sports & Fitness chapter for details on the Cayman Islands Gun Club. You can also import a bow and arrow or your bow and arrow collection but all the same procedures for importing and storing a gun must be followed. The use of spear guns are also regulated. It is illegal to possess, use and import a spear gun without a licence from the Marine Conservation Board.

Medication Be sure to pack at least a month’s supply of medication that needs to be taken daily while you sort out your on-Island healthcare. Most medicines are available on Grand Cayman, although they may be sold under another brand name. Ask your General Practitioner for the generic names of prescription drugs. See the Health & Wellness chapter for a list of pharmacies.

Kitchen Appliances Most rental apartments come with appliances such as a washer/dryer, dishwasher, microwave, refrigerator and oven. A fully furnished apartment should also come with a toaster, kettle and coffee maker but if they don’t, then the local home centres stock these items. Check with your landlord beforehand so you know what will be included.


www. c a y m a n r e s i d e n t . c o m


Settling in Photos courtesy of Jonathan Sparrow and Deep Blue Images.

Opening a bank account, getting telephone service and internet access, connecting your utilities and organising your pension and insurance.


9 Money & Banking - Opening a Personal Bank Account - Online Banking, ATMs & Cheque Books  - Money Transfer Services

108 108 111 111

Communications - Telephone Services - Mobile Services - Internet At Home - Internet Rates Comparison Table - Internet Providers

111 111 112 114 114 115

Television - TV Packages Comparison Table

116 117

Utilities - Electricity - Gas - Household - Petrol & Diesel - Water

118 118 118 119 120

Insurance 122 - Health Insurance 122 - Home Insurance 123 - Insurance Providers 123 - Life Insurance 125


Opening a Personal Bank Account All banks in the Cayman Islands adhere to mandatory duediligence requirements and will perform fairly extensive checks before opening an account for you to ensure that you are thoroughly legitimate and that no money will be laundered. Nonresidents can open bank accounts in Cayman without visiting the Islands (not all banks offer this service), but they must submit multiple certified documents to prove their identity, a current overseas address, the source of funds and bank references. Local banks will often want a legitimate rationale for opening an account for an overseas resident. It is worth noting that a US citizen who has opened an account in the Cayman Islands will still need to declare the account to the Department of Treasury in the US, and declare any income earned on that account. In order to open a bank account, banks will request some or all of the following information: >>

A reference from your current bank, addressed to the bank in the Cayman Islands. This document must include how long you have banked with your home bank, the average balance maintained, and

Pensions - Private Pensions & Pension Providers - Public Service Pensions

125 125 127

the manner in which your account has been conducted. If the applicant has not had a bank account for at least three years, a professional reference addressed to the bank is required. The letter must be the original copy and, if a husband and wife are sharing an account, they






>> >>




both must be referenced in the letter. If you

Local Banks

Cayman National Bank Ltd.

are moving from another country, it is much

Butterfield Bank (Cayman) Limited

PO Box 1097, Grand Cayman KY1-1102

easier to get this letter organised before you

12 Albert Panton Street, George Town

Tel: (345) 949 4655

leave your home country and bring it with

PO Box 705, Grand Cayman KY1-1107

Email: cnb@caymannational.com


Tel: (345) 949 7055


Email: info.cayman@butterfieldgroup.com

Branches & Banking Hours: Elgin Ave (GT),

documentation, i.e. job letter if source is


Camana Bay (SMB), Buckingham Square

salary or rental agreement if source is rental

Branches & Banking Hours: Butterfield Place

on West Bay Road (SMB) and Cayman


Banking Centre (GT), Monday-Thursday 9am-

Brac, Monday-Thursday 9am-4pm, Friday

If you are coming here to work, then a

4pm, Friday 9am-4.30pm; Midtown Plaza

9am-4.30pm; Centennial Towers (WB) and

letter from your Cayman employer stating

Banking Centre (GT), Monday-Friday 9am-

Countryside Shopping Village (Savannah),

the commencement of employment, the

4pm; Camana Bay Banking Centre (SMB),

Monday-Friday 10am-6pm and Saturday 9am-

amount you will earn and your position in the

Monday-Friday 9am-4pm; Governors Square

1pm; Little Cayman, Mondays and Thursdays


Banking Centre (SMB), Monday-Friday 9am-


A recent utility bill (less than 3 months old) as

4pm and Saturday 9am-1pm.

Branch Services: Chequing, savings and fixed

proof of address.

Banking Centre Services: Accounts, online

deposit accounts, credit and debit cards, online

Valid forms of identification such as your

banking, ATMs, credit and debit cards, currency

banking, largest ATM network Island-wide,

driver’s licence and passport (they will

exchange, wire transfers, bank drafts, utility

loans, mortgage services, currency exchange,

photocopy your documents).

bill payments, night deposit facilities, safety

wire transfers, electronic funds transfer,

Your full name, residential address, phone

deposit boxes, standing orders, Saturday

travellers cheques cashing, bank drafts, letters

number, nationality, date of birth, occupation

banking, mortgage services and loans.

of credit, utility bill payments, Saturday banking,

and name and address of your employer.

Other Services Offered: Credit references,

safety deposit boxes (sizes vary depending

home insurance, trust services, private banking

on Customer Service Centre, subject to

and investment management.

availability), standing orders, customised credit

SE E AD PAG E S 57 & 109

solutions such as mortgages, loans, domestic






Opening a Business Bank Account Refer to the Running a Business chapter.




and international premier banking at Elgin

Scotiabank & Trust (Cayman) Ltd.

Avenue and Camana Bay locations, merchant

Scotia Centre, 18 Forum Lane, Camana Bay

services and night deposit facilities.

PO Box 689, Grand Cayman KY1-1107

Other services offered by the Cayman National

Tel: (345) 949 7666

Group: Alternative investment funds, family




Branches & Banking Hours: Camana Bay (SMB)

advisory services and discretionary asset

Monday-Thursday 9am-4pm and Friday 9am-

management solutions. SE E AD PAG E S 9 & 38

4.30pm; and South Sound (across from Grand



Harbour), Monday-Friday 10am-6pm. CIBC FirstCaribbean International Bank PO Box 68, Grand Cayman KY1-1102 Tel: (345) 949 7300 www.cibcfcib.com Branches & Banking Hours: George Town, Monday-Thursday 9am-4pm and Friday 9am4.30pm; Regatta Office Park, West Bay Road (SMB) and Plaza Venezia, North Sound Road, Monday-Thursday 9am-3.30pm and Friday 9am-4pm. Branch





accounts, credit and debit cards, currency exchange, wire transfers, bank drafts, utility bill payments, teller services, online banking, mobile banking, telephone banking, ATMs,

Fidelity Bank (Cayman) Ltd. PO Box 914, Grand Cayman KY1-1103 Tel: (345) 949 7822 Email: info@fidelitycayman.com www.fidelitygroup.com Branches & Banking Hours: Cayman Financial Centre, Dr. Roy’s Drive (GT), Monday-Friday 9am-4.30pm; Fidelity Financial Centre (SMB), Monday-Friday 10.30am-6pm. Branch





accounts, credit cards, debit cards, prepaid cards, online banking, teller services, ATMs,

Money Transfer Services Due to the number of foreign nationals in the Cayman Islands, there are numerous money transfer companies on the Island including: MoneyGram, JN Money transfer and Western Union. Money transfer companies accept both US and CI dollars.

currency exchange, wire transfers, bank drafts, utility bill payments and loans. SE E AD PAG E S 46 & 309

RBC Royal Bank (Cayman) Limited PO Box 245, Grand Cayman KY1-1104


MoneyGram has nine locations on Grand Cayman and two on Cayman Brac. It offers a fast and secure way to send money. Tel: (345) 945 5616.

Tel: (345) 949 4600 www.rbcroyalbank.com/caribbean

Western Union

Branches & Banking Hours: 24 Shedden Road

Western Union is located in the four Foster’s Supermarkets in Grand Cayman and L M Superstore in Cayman Brac. It’s a quick and reliable way to send or receive money.

(GT), Monday-Friday 9am-5pm; Red Bay Branch, 53 Shamrock Road (next to Grand Harbour), Monday-Friday 11am-6pm.

Cayman’s sophisticated tourism and financial industries have ensured that telecommunications are as advanced as those you would find in any developed country. There are plenty of options for mobile and residential phone services, and high speed internet connections, both via fixed lines and through mobile data, are available across all three islands. In 2016 amendments to the Information and Communications Technology Authority Law gave regulators the power to fine phone, TV and internet providers up to $50,000 for violations to their licenses, such as not providing internet speeds that are advertised to customers. This has been great for consumers as it ensures reliability. Choosing the right provider will depend both on the services available in your area and your personal usage. Bundled options from the same provider can result in significant discounts. It is worth noting, however, that due to the small population of the Islands, the cost of broadband, residential and mobile phone services tend to be quite a bit higher than in Europe and North America. TELEPHONE SERVICES Every provider in the Cayman Islands must be able to provide local and long distance telephone services. All the mobile phone providers offer an International Direct Dialling service and depending on your plan rate, prices are often comparable to those for fixed lines. Mobile phone service options are varied and there are choices to suit any need, including voice, mobile data, text messaging and voicemail. The mobile providers in the Cayman Islands are Digicel and FLOW. Internet services are available from all four providers: C3, Digicel, FLOW and Logic. High speed fibre optic cables and networks are increasing in availability, with C3, FLOW and Logic providing even higher internet speeds to homes in Grand Cayman than previously possible. Standalone and bundled internet and VoIP options are


www. c a y m a n r e s i d e n t . c o m




loans and transfers. SE E AD P R E VIOU S PAG E

Online Banking, ATMs & Cheque Books All the banks on-Island offer online banking, but some are definitely more user-friendly than others. If online banking is important to you, it is worth asking about each bank’s online capabilities. All banks allow you to pay almost all your monthly bills, school fees and other expenses online. ATM machines are available at most bank branches and all supermarkets. If you use your own bank’s ATM you will not be charged a withdrawal fee (other than Government’s 25 stamp duty charge for every withdrawal). The charge to use another bank’s ATM is CI$2.40-CI$3 depending on the bank, for each withdrawal. If you need a cheque book on your personal bank account, make sure to ask the prospective bank if they offer this service, as some do not.


available, and in some instances discounts are offered for taking more than one service. Residential phone service choices are plenty with installation times varying from a couple of hours to a couple of weeks depending on the company and the type of service you choose. If you are building a home in a newly developed area and want a fixed line installed, check directly with your provider to confirm the expected time of installation.



Overview of Local & Long Distance Telephone Services FLOW as mentioned above, is the only provider of residential phones that uses fixed landlines. They offer three options for residential phone accounts: Light, Medium, and Heavy. All three packages have a monthly line rental charge with the difference lying in bundled minutes for each package. The Light package does not include any minutes and customers pay per minute. The Medium package has bundled local minutes while the Heavy package includes local minutes and also minutes to the USA, Canada and the UK, with discounts for calling other countries. Logic and C3 Pure Fibre offer phone services which allow users to make calls at home using an internet connection rather than traditional fixed lines. C3 Pure Fibre offers home phone services over their state-of-the-art fibre network, rather than over traditional fixed lines. Logic’s Chatterbox service works with

Dialling Codes To the Cayman Islands From the UK: 001 + 345 + number From the USA: 1 + 345 + number

From the Cayman Islands To the Caribbean: 1 + Country Code + number To the USA & Canada: 1 + Area Code + number To the UK: 011 + 44 + number Rest of the world: 011 + Country Code + number




any internet provider and gives you unlimited international calls for a fixed monthly fee. Several monthly plans are available, depending on which countries you call the most. For those who want family or friends to be able to call them in Cayman without having to pay for overseas calls, the Chatterbox International Numbers mean Cayman residents can be reached on a US/ UK/other country number. MOBILE SERVICES Two mobile service providers operate in the Cayman Islands: Digicel and FLOW. Both companies offer prepaid options (or pay-as-you-go top up and plans), as well as postpaid plans (billed per month). Plans typically include voice calls and text messaging, and most also include a certain amount of international calls (anywhere minutes) and data allowance. Most residents have Android or iOS smartphone devices. Both FLOW and Digicel use 4G LTE technology – the latest generation of mobile data – so mobile internet speeds are as fast as you will find anywhere in the world. The MyFLOW and MyDigicel apps enable customers to view and pay their bills with postpaid, or top up credit with prepaid phones, as well as activate a number of addon plans, such as reduced international calling rates, roaming and data plans. Prepaid Mobile Services The advantage of prepaid mobile phones is that there is no contract, no monthly fee and no deposit required. Prepaid SIM cards can be purchased from Digicel and FLOW stores, as well as from other retailers, such as supermarkets and gas stations. If you have an unlocked phone, all you need to do is purchase the SIM card, put it in your phone, add calling credit with a plan and start calling. Credit can be added (also known as topping up) at the same locations, as well as at some ATMs, online and through the mobile service providers’ apps. The disadvantage of prepaid phones is

that the per minute rates are higher than for postpaid plans. Local calls cost 20 to 45 cents per minute depending on the time of day and on whether you are calling numbers within your network, or fixed and mobile numbers outside the network. You may purchase calling plans for prepaid to save on regular calling rates. The prepaid credit can be used for making calls, using mobile data or for texting. You will get better value by purchasing data, text and calling plans. Postpaid Mobile Services FLOW and Digicel postpaid plans include itemised billing, per second billing, roll over minutes and 4G LTE data. You will usually be required to sign a contract for 12 or 24 months with a postpaid plan. These are easy to set up – you just need to take along ID, a proof of address, and a deposit – and there is a choice of plans allowing customers to choose the one that best fits their needs. Postpaid plans with both companies start at around CI$75 per month, and include a basic allocation of minutes, text messages and data allowance. Heavier users can select plans at higher monthly allocations. Contracts often include a discount on handsets (some basic models may even be provided for free) and the cost of the phone can usually be spread out over the course of the contract. As there is no such thing as credit rating systems in the Cayman Islands, you will need to put down a deposit, typically CI$100-CI$200, if you choose a postpaid plan. FLOW’s postpaid plans with a contract are for 12 or 24 months duration, with higher discounts on handsets for longer contracts. You also have the option to spread the cost of your new phone over 12 months. FLOW also offers a no-contract rolling monthly postpaid plan, with the same rates for calls and data available as with contracts and you can cancel the contract anytime without any penalties. The main difference is that there is no discount on handsets with the no-contract plan.

FLOW currently offers three plans. Similar to their fixed line services, there is a Light, Medium, and Heavy option with shared user options available on the Medium and Heavy plans. All plans come with a bundle for local voice minutes with the variation in the bundled data allowance. If you are looking to share the plan with a friend, partner or spouse, the Medium and Heavy plan allow you to share your bundle allowances for a small share fee. Calls can be made to international destinations at a price per minute or can be bought as a bundle for a much lower cost. Digicel offers several postpaid plans, starting from CI$60 per month all the way up to CI$105 per month, available on a 12 month contract. All the plans include an allocation of anywhere minutes, Unlimited Digicel to Digicel calls and SMS, plus varying data allowances, all of which come with Unlimited Rollover, meaning you never lose what you’ve paid for.



30Mbps $88 50Mbps $150 100Mbps $200 300Mbps $299 FLOW PREPAID MOBILE DATA PLANS (INTERNET ON THE GO)

250Mb 2GB 5GB 15GB

For 1 Day $2.99 For 7 Days $14.99 For 30 Days $29.99 For 30 Days $49.99



Big Up 1GB + 200 mins for 5 days Large Up 2GB + 500 mins for 7 days Maxx Up 2GB + 1000 mins for 30 days

$9.99 $19.99 $49.99



Mobile Essential $103.95 2000 local mins & 2000 local texts 3GB local data Base roaming plan

Handsets It is worth noting that if you bring a mobile phone with you from overseas when you move to Cayman, it will not necessarily work here. It all depends on the frequency used: Cayman mobile providers use GSM, HSPA and LTE technology. It is a good idea to check with your provider prior to moving to find out if your phone will be compatible, if you are free of contract obligations, and if your phone is unlocked. As a general rule, European phones will use the same frequency, but phones from CDMA carriers in the US and Canada will not. Mobile phones can be unlocked locally at Cellular World, in the Bay Town Plaza, opposite The Wharf Restaurant on West Bay Road. They can also repair mobile phones and replace cracked screens on iPads. For more information call them on (345) 943 2355 or email: repairs@cellshop. ky. FLOW and Digicel sell a wide range of new handsets, some of which will be discounted or even free, depending on the plan you choose. Purchasing a handset from one of

Mobile Plus $133.95 2000 local mins & 2000 local texts 7GB local data Base roaming plan Share with up to 2 numbers Mobile Max $153.95 2000 local mins & 2000 local texts 25GB local data Base roaming plan Share with up to 3 numbers C3 PURE FIBRE | FIBRE OPTIC INTERNET PLANS (PER MONTH/PRICES IN CI$)

Up to 15Mbps Up to 25Mbps Up to 50Mbps Up to 100Mbps Up to 300Mbps

$69 $89 $129 $179 $299


5x5 Mbps $59 10x10Mbps $79 15x10Mbps $99 25x10Mbps $119 50x20Mbps $149 75x20Mbps $179 100x20Mbps $199 (Upload and download speeds per second) Additional Services: One static IP address for $50/month.




the mobile providers on-Island is much more advisable as their selection of phones are setup to work best on the networks here, and you will get a warranty and access to authorised repair services. Roaming All mobile phone providers offer worldwide roaming, so that you can make and receive calls while travelling on your Cayman number. These calls fall outside your monthly plan allocation, meaning that you will be billed at much higher rates than at home for both outgoing and incoming calls and text messages, as overseas network charge higher rates for visiting users. To enable frequent (and not so frequent) travellers to keep using their phones abroad without breaking the bank, both FLOW and Digicel offer roaming plans. Digicel offers roaming bundles which gives customers free incoming calls and texts, and an allowance of data and minutes to use while roaming. FLOW offers bundles starting from CI$20. These can be activated just before departure, and are usually valid for three days, seven days or a 30 day bundle. Check with your provider which countries are covered by their roaming plans, as these vary. Roaming plans are also available for prepaid phones but you will first need to ensure you have topped up with sufficient credit to be able to activate these. INTERNET AT HOME FLOW, Digicel, Logic and C3 all offer home-based internet plans with unlimited usage. Generally the upload speeds offered by all four providers are very high. The higher the upload speed, the better the performance for playing data consumption online games and streaming online content. C3 offers download speeds as high as 300Mbps, while FLOW offers up to 1GB in some areas. Fibre optic installation is on-going, so how far the different fibre optic networks extend is constantly changing. Research what kind

of coverage each provider has in your area. Fibre Optic (+TV) FLOW, Logic and C3 have all been busy over the past two years installing fibre optic cables so much of the Island can enjoy consistent superfast broadband speeds. Because fibre optic cables allow such consistently fast download speeds, all three providers offering fibre optic broadband now also offer TV packages. The choice of channels will vary according to the provider but is generally based on US programming with add-on packages available for those who may want specific channels such as Hispanic, Filipino, sports or movies (see TV section for more information). Purchasing Internet and TV as a bundle will often be more economical than purchasing the two separately.

and security. C3 Pure Fibre serves both residential and business customers with high speed WiFi internet, TV, phone and IP services. They offer very fast bandwidths with a secure and reliable connectivity and guaranteed up/download speeds. Standalone Internet packages range from 15 to 300 Mbps and start at CI$49 per month with no contract options and no hidden fees. They offer a 14-day money back guarantee for new residential customers. Internet and TV bundles start from as low as CI$95 per month for over 60 channels. See the Running a Business chapter for details on fitting out your office. They offer a variety of solutions from small business offerings to more complex enterprise grade solutions such as MPLS and SD-WAN. For more information visit www.c3.ky or call (345) 333 3333. Internet on the Go It’s very easy to stay connected while on the move in Cayman. Depending on


www. c a y m a n r e s i d e n t . c o m




Internet Providers Digicel broadband for business and residential customers is available through their LTE network, offering internet of up to 12Mbps across all three Islands. The Digicel LTE Home Broadband is a ‘Plug and Play’ product meaning there is no installation required. There is no need for a fixed line. You can sign up on a fixed term contract and get the wireless modem for free. Or purchase the modem and activate a plan on pay as you go. FLOW has replaced much of their copper wires across Grand Cayman and Cayman Brac with fibre optic, so can offer superfast broadband across the two Islands. Packages are offered to suit different needs and household sizes, from 10Mbps to 1GB. FLOW’s superfast broadband customers can access a range of FLOW TV packages, plus choose additional channels and enjoy HD entertainment. Discounts are offered on bundles starting at CI$99. FLOW offers free installation when you sign up for their services and no contract options. TV packages include US and Latin American programming plus Video on Demand content. FLOW TV uses cloud technology to store programmes, so you can watch and record multiple shows at the same time

with only one TV box. You can receive a free demo online at www.discoverflow.ky or by visiting a FLOW retail store. At the time of writing, Logic’s fibre optic network is available in West Bay, Seven Mile Beach area, George Town, South Sound, Prospect, Savannah and Bodden Town. Logic hopes to have extended the network to cover the whole of Grand Cayman by the end of 2019. Logic offers 5, 10, 15, 25, 50, 75 and 100 Mbps plans where fibre optic is available. Residential plans start from CI$59 per month, up to CI$199 with no contract. Logic TV, with anywhere from 25 to 140 channels, plus the ability to add on packages, is also available in fibre areas. Elsewhere, traditional cable TV is offered, with up to 53 channels. Logic customers signing up for both fibre TV and internet, during the promotional period, will not pay an installation fee. Installation takes approximately one week. C3 Pure Fibre offers a wide selection of fibre optic-based services that provide unparalleled speed, reliability, affordability

your phone, you may be able to create a hotspot through which other devices can connect to the Internet using your phone’s mobile data. Although the 4G LTE technology means connecting is fast, it can become an expensive option.

Main Office: (345) 949 7800 Directory Assistance: 411 (0.50 per call) Business Support: (345) 945 5555 Business Tech Support: cay-b2bsupport@cwc. com, www.discoverflow.ky SE E AD PAG E 15 Logic



Providers’ Contact Details

> Governors Square, West Bay Road. Monday-

C3 Pure Fibre

Friday 9am-6pm, Saturday 9am-1pm

409 Walkers Road, George Town. Monday-

> Eclipse Drive (off Eastern Avenue, behind

Friday 9am-6.30pm, Saturdays 9am-1pm

Rankin’s plaza), George Town. Monday-Friday

Customer Service: (345) 333 3333


Help Desk: (345) 333 3325

Tel: (345) 745 5555

Email: info@c3.ky, business@c3.ky

Call Centre hours: Monday-Thursday 8.30am-

or helpdesk@c3.ky

8.30pm, Friday 8.30am-8pm, Saturday 9am-

www.c3.ky or https://business.c3.ky

6pm, Sunday 11am-3pm

SE E AD PAG E S 74 & 115

Email: support@logic.ky or fibre@logic.ky www.logic.ky


Digicel Retail Stores > 45 Market Street, Camana Bay. Monday,

Phone Repairs

Wednesday, Thursday, Friday, Saturday 9am-

Cellular World

6pm and Tuesday 10-6pm

Bay Town Plaza, West Bay Road

> Waterfront, 72 North Church Street, George

Tel: (345) 943 2355

Town. Monday, Wednesday, Thursday, Friday,

Cellular World can repair and unlock many

Saturday 9am-6pm and Tuesday 10-6pm

brands of mobile phone and tablets.

> Countryside Shopping Village. Monday-Friday TELEVISION

10am-7pm and Saturday 9am-4pm > Corporate office: Cayman Technology Center, 115 Printer Way. Monday-Friday 8am to 5pm Corporate office: (345) 623 3444 Customer Care from Digicel mobile: 100 Business Customers: (345) 623 2499 FLOW’s Retail Locations: > Galleria Plaza, West Bay Road. Monday, Wednesday, Thursday and Friday 8.30am6pm, Tuesday 10am-6pm, Saturday 9am-4pm > Anderson Square, George Town. Monday, Wednesday-Friday



9.15am-5pm, Saturday 9am-2pm > Countryside Shopping Village. MondayFriday 10am-7pm, Saturday 10am-5pm > Heritage Square, West Bay. Monday-Friday 10am-7pm, Saturday 10am-5pm > Stake Bay, Cayman Brac. Monday-Thursday 9am-4.30pm, Friday 9am-4pm Customer Care: 811 or 1 800 804 2994 Direct Sales Line: 1800 534 7253 To make an appointment to visit Customer Care, call (345) 949 7800 Customer Service Email: cay-flowhelp@cwc.com 116



feeds anywhere. Users purchase a set-top box for US$159 and then choose from a variety of subscription tiers, starting at US$25 a month.

Local residents can enjoy international programming through cable, satellite and broadband. There are also three free local over-the-air TV stations which can be received in all households as long as the TV has an antenna. These are: Trinity Broadcast Network (channel 21 and Logic TV); CIGTV, the government channel (channel 23 and Logic TV) and the Seventh Day Adventist Network (channel 30 and Logic TV). Streaming services are growing more popular as an alternative to cable TV. There are a wide variety to choose from, however not all are available to stream on-Island. Netflix remains the most popular. Users have access to hundreds of shows, movies and documentaries, and more are added each month. There are three-membership plans to choose from, determined by how many devices can stream at the same time. UKTV Everywhere offers Cayman Anglophiles their dream: a subscriptionbased service that streams live British TV

Television Service Three companies (C3 Pure Fibre, FLOW and Logic) provide TV programming to the Island. Logic also has a cable TV service and Dish Direct TV provides Satellite TV. C3 Pure Fibre provides TV, either as a standalone service or bundled with Internet, via their fibre optic network. C3 offers four levels of TV packages, giving viewers between 60 and 170 SD & HD channels, with the option to add on 13 different TV packages. C3 TV requires no installation fee when bundled with internet, no contracts and no hidden fees. TV packages can be bundled with internet for additional savings. Bundles start at CI$95 per month. For more information visit www.c3.ky or call (345) 333 3333. FLOW TV works with FLOW’s superfast broadband and a FLOW supplied set top box. Due to the high-speed internet connection, there will be no interruption to your TV service, even if the weather is bad. All packages include the ability to pause or rewind live TV, record multiple shows to the cloud and a Video on Demand feature that allows you to download movies and have them billed through your FLOW account. Customers choose between four monthly base packages offering a wide range of channels at differing price structures, or you can customise your channel lineup to suit your viewing needs. FLOW also has exclusive rights to the English Premier League games and the NFL Sunday ticket. The first receiver box is free and there are regular promotions that include no contract, free installation and set-up. Logic TV offers TV services through high-speed fibre optic cables where these are available. If fibre optic cables are not available, then a wireless cable TV service is available. Logic Fibre Optic TV: Four tiers of packages are available starting at CI$39

Satellite Dish Direct TV supplies

satellite TV services, Sling TV and DirectNOW Broadband Internet TV, as well as a range of international and special interest programs. TV Programming packages start from CI$37.99 per month with no contacts. The price for programming depends on


Light HD 24 channels w/22 HD



Logic TV customers can bundle their TV, Internet and phone services for additional savings. (MONTHLY PRICES IN CI$) Light HD + 5/5 Mbps

Standard HD 77 channels w/64 HD


Choice HD 108 channels w/87 HD


Ultimate HD 144 channels w/100 HD


All options come with 50 music channels including local radio stations. Logic TV includes automatic HD channel upgrades at no extra cost. Additional packages can be added at any time, including HBO ($10 per month), MAX ($8 per month) and HBO/MAX pack ($15 per month).


Standard HD + 5/5 Mbps


Standard + 15/10 Mbps


Choice HD + 15/10 Mbps


Ultimate HD + 15/10 Mbps


Ultimate HD + 25/10 Mbps


Ultimate HD + 50/20 Mbps


Ultimate HD + 100/20 Mbps




TV Essentials


15Mbps & 60+ TV channels


TV Plus


25Mbps & 120 + TV channels


TV Max


50Mbps & 150 + TV channels


TV Watch All



Customer can choose to add on other packages for an additional monthly charge such as HBO & MAX, All in Movie Combo, Fox Movie Package and FLOW Sports Premium. Visit www.discoverflow. ky/tv/flow-evo for more information.


60+ TV channels


120 + TV channels


150 + TV channels


170 + TV channels



Flex Package

From $37.99

50+ channels

Americas Top 120’s

From $72.99

120+ channels

Americas Top 200’s

From $82.99

200+ channels

Americas Top 250’s

From $92.99

250+ channels

Americas Everything Pack

From $129.99

Premium Movies: Showtime $15, Starz $15, Encore $6, Epix $7.


The prices listed here were correct at the time of going to print (September 2019) but are subject to change. Please visit the provider’s websites for information on latest prices and most recent promotions.

www. c a y m a n r e s i d e n t . c o m



per month all the way up to CI$125, and include a number of HD channels. Addons for HBO, MAX and sports channels can also be purchased. There is a CI$199 installation fee outside of the promotional period. Installation fees are waived when purchasing internet and TV as a bundle, or upgrading from cable TV to fibre TV and adding internet. Set-up includes one set top box. In households with multiple TVs, additional set top boxes can be rented for CI$12 per month. If additional set top boxes are requested after the initial installation is complete, there is a CI$50 installation fee per set top box. A Whole Home DVR (Digital Video Recorder) is also available for an additional CI$16 per month. Only one device is required per household, but it enables you to watch, pause and rewind live TV and record shows at different times on different TVs. Logic TV also offers free Video On Demand. Logic Wireless Cables TV: In areas where Logic does not have fibre optic services, a wireless cable TV service is available. Cable customers will have individual receiving antennas at their home. Installation is CI$99 and includes one cable box, but you can order extra boxes when you sign up. Three tiers of cable packages are available, priced from CI$39 to CI$72 per month. All include 50 music channels and eight radio stations. Various add-on channels can be purchased for any of the packages. A Logic DVR which allows you to pause, rewind, fast forward and record shows is also available for CI$16 per month. Customers can bundle their TV and Internet services for additional savings. For more information on all Logic TV services and packages call (345) 745 5555 or visit www.logic.ky.

the selection of channels you want. They are located in the BrandSource Centre, 209 Dorcy Drive, Industrial Park. Tel: (345) 949 4000 or email: sales.dishdirecttv@ candw.ky. UTILITIES



Electricity Caribbean Utilities Company, Ltd. (CUC) is the sole provider of electricity to Grand Cayman. To obtain electricity service, property owners are required to complete and sign an application for electrical service, pay a deposit, show proof of ownership and a photo ID. Tenants are required to complete and sign an application for electrical service, pay a deposit, provide a rental agreement or lease and take their passport or driver’s licence along to CUC’s offices. The required security deposit for electricity is calculated based on the average historical usage of 45 days of consumption on existing accounts. Deposits for new residential homes/ condos are calculated based on square footage. Grand Cayman runs on a 120 volt electricity system with three-pin plugs. However, the outlets are designed to accommodate a two-pin American plug (see picture below). Monthly electric bills will vary depending on the size of your property, your lifestyle, how often you run your air conditioning, the efficiency of your air conditioning unit, the age of the property and how well the property is insulated, among other factors. It is important to note that the Seasonal Energy Efficiency Rating

(SEER) and regular maintenance of your air conditioning unit can make a big difference in kilowatt-hour (kWh) consumption and your monthly electric bill. The lower the SEER, the more power will be consumed. A SEER of 12 for example, will consume more than a SEER of 14 or higher. Getting your air conditioning units serviced regularly will ultimately save money. The base rate of electricity as of 1st September 2019 was CI$0.1087 per kWh for residential customers with a monthly facility charge fee of CI$5.46 and a regulatory and licencing fee of CI$0.0125 per kWh, which applies only to usage over 1,000 kWh per month. However, if you factor in the fuel and fuel duty surcharges (which are issued as separate line items and vary from month to month), the total cost per kWh is approximately CI$0.2636. (Base rates are reviewed and updated every June 1st.) The Government duty on fuel is CI$0.25 per imperial gallon. The fuel cost fluctuates with the global price of oil and the cost of fuel is passed down to the consumer after a two-month lag. To put it all into perspective, usage of 1,000 kWh per month would cost a residential customer approximately CI$256.33 and usage of 1,500 kWh would cost CI$388.43 (based on the September 2019 rate). The cost of electricity is the same Island-wide and does not fluctuate depending on the time of day. You can download customer service forms from CUC’s website. Payments are not accepted at the Company’s two Customer Service Centres, but customers can learn more about the numerous payment methods listed under “Payment Methods” on the Company’s website. Caribbean Utilities Company Ltd. (CUC) > Administration Building: 457 North Sound Road Opening Hours: Monday-Friday 8.30am-5pm

Caribbean Plaza, West Bay Road Opening Hours: Monday-Friday 8.30am-4pm PO Box 38, Grand Cayman KY1-1101 Tel: (345) 949 5200 Fax: (345) 945 1218 24-hour Fault Reporting: (345) 945 1282 Email: service@cuc.ky www.cuc-cayman.com

Gas - Household Gas is a safe and efficient energy solution for powering your home appliances. Propane is a non-toxic gas that provides a greener and more economical alternative for a wide range of appliances. By using propane, you can save up to 40% on your energy bill and reduce your carbon emissions by 85%. The 20lb cylinders used for barbecuing can be found at almost every gas station in Cayman, where you can buy a new filled cylinder or swap an empty used cylinder for a full one. Various gas companies around the island allow customers to have their own cylinders filled at a fraction of the cost of exchange. Bulk delivery can be utilised by installing a larger on-site tank either in the ground or a tall 100lb cylinder. Many houses in Cayman have an underground refillable propane tank in their garden or one standing alongside an exterior wall and the gas is then piped into the house. The size options for the tank vary depending on the amount, quantity and type of appliances being used. Gas prices may vary and are subject to change based on the procurement costs. The price has remained quite stable and hasn’t seen an increase in several years, but rather has seen several decreases since the market place has grown. In addition to cost and energy savings, another benefit is that many of your propane appliances can still be used even in the event of a power outage. If you would like a free consultation to determine the energy savings your home or company can achieve by switching to propane, call either Clean Gas or Home Gas.

Customer Service Centre (Administration

Compatible Electrical Plugs 118



Building): Monday-Friday 8.30am-4pm

Clean Gas

> Customer Service Centre:

277 Sparky Drive, Industrial Park

Tel: (345) 233 4427 Email: gopropane@cleangas.ky www.cleangas.ky Clean Gas provides propane service for both residential and commercial customers. They offer home delivery for all sizes of propane tanks from 20lb to over 2000 gallons. Their friendly staff work with customers throughout the whole process of designing, installing and maintaining your propane system. Clean Gas

Propane is the green way forward for your home and garden. Cost-efficient and eco-friendly, propane is the smart choice for homeowners. Save money, conserve energy and enjoy ease of lifestyle with propane-fueled appliances and equipment.

233-4427 cleangas.ky

also offers propane for indoor and outdoor living. Clean Gas is a NPGA member and has CETP certified technicians, providing the highest quality of service to their customers. Same day delivery and emergency after hours services available. Opening hours are MondayFriday 7am-5pm and Saturday 7.30am12.30pm. SE E AD T H I S PAG E & PAG E 74 Home Gas Ltd. Walkers Road Plant, 490 Walkers Road, GT Tel: (345) 949 7474 www.homegas.net Home Gas supplies propane gas for residential

A tankless water heater saves up to $1,200 in annual energy costs over electric models.

Stoves and ovens

All-gas homes are valued up to 5% higher than allelectric homes in all markets, ESPECIALLY here in Cayman where energy costs are high.

Clothes dryers

A propane-powered dryer works faster, saves 30% in energy costs annually, and is gentler on clothing by using moist hot air.


Propane grills give instant onoff convenience and precision temperature control. Keep the heat outdoors, and save hundreds on indoor cooling.

Composite cylinders

Light and see-through, composite tanks last 12 years as opposed to metal tanks, which need to be recertified every 5 years to ensure they are safe to use.

Flame lighting/Tiki torches

Propane-powered outdoor lighting and accessories burn odorless, are energy efficient and provide added safety during a power outage.

Pool and spa heaters

Save money and cut carbon emissions by heating pools and spas with propane, which has faster temperature recovery times than its electric counterparts.


Lawn mowers

Propane-fueled equipment runs cleaner than gasoline or diesel, with up to 86% fewer emissions, and 30% to 50% savings in operational costs.

operation from installation to maintenance and repairs as well as gas supply and delivery. Home Gas also offers appliances, including water heaters, cooking stoves / ovens, dryers,


generators, outdoor fire features, tiki torches and more. Their services are available on all three Islands. SE E AD T H I S PAG E

Petrol & Diesel The Utility Regulation and Competition Office (‘OfReg’) of the Cayman Islands confirms that there are 11 Rubis and 11 Esso (SOL) petrol stations in the Cayman Islands, all with attached convenience stores. There is only one independently branded fuel station in the Islands called Refuel which markets ethanol and biodiesel blended fuels. As of July 2019, the average full-service price for premium, regular and diesel fuel were CI$4.97, CI$4.54 and CI$4.59 respectively, although prices vary from one station to another. Self-service petrol prices are typically 5¢ less than fullserve prices. At the time of going to press, the cost of premium petrol in Florida was in the region of US$3.24 per US gallon

Home Gas is 60 years young! We are proud to have been serving the Cayman Islands since 1957. Striving for 100% customer satisfaction with our trusted, quality service, Home Gas is your one stop shop for all your propane needs.

Start saving money on your energy bills today.


949-7474 | homegas.net

www. c a y m a n r e s i d e n t . c o m



and commercial use. Offering a full-360 service

Water heaters



(3.785 litres) or CI$2.59. The average price of a litre of fuel in the UK is around £1.28 for petrol and £1.34 for diesel per litre. Weekly prices for retail fuel across the Islands are posted on OfReg’s website: www. ofreg.ky. The (import) duty component of gasoline is 75¢ per imperial gallon and 85¢ for diesel. The quality of gasoline sold in Cayman is equivalent to a mid-grade unleaded (octane level 89) and a super premium unleaded (octane level 93) often sold in the US. Some high performance cars will experience problems if they are not run on the highest octane fuel available. Refuel has introduced E10, a type of renewable gasoline containing 10% ethanol which reduces emissions while naturally boosting octane levels. E10 is sold at octane levels 87, 90 and 93. They also stock 2 grades of Ultra Low Sulphur Diesel B5 (up to 5% biodiesel) and B20 (20% biodiesel) which have similar emissions-reducing effect and high cetane levels. These fuels, which are used throughout the US and the UK, are




compatible with most cars. Check your car’s owner’s manual to be sure. Scotts Landing, at the Barcadere Marina sells diesel and gasoline to cars and boats. They add a high performance fuel additive called ValvTect which increases the quality of the fuel. It is specifically formulated for marine engines but works very well on automobiles as well. Cayman Islands Law states that all fuel stations must display their fuel prices in CI dollars and imperial gallons, except at Marinas where CI dollars per US gallon (which is approximately 20% less per volume than imperial gallons) is allowed. Make sure that you are being charged appropriately. Water (Tel: (345) 945 4277) and (Tel: (345) 949 2837) supply Grand Cayman with quality water. In the case of both companies, water is extracted from deep underground via a series of abstraction wells. The water that is extracted is saline groundwater that has Cayman Water

Water Authority - Cayman

to be treated using Reverse Osmosis. This process, with the addition of three fluoridefree chemicals, makes the water safe to drink straight from the tap. All chemicals added to the water are National Sanitary Foundation approved for potable water use. Cayman Water serves the Seven Mile Beach and West Bay areas, while the Water Authority serves the rest of Grand Cayman and Cayman Brac (piped and trucked water). Currently piped water is only available to customers on the western end of the Island, the remainder is served by water trucks. The Authority will continue to expand its network in Cayman Brac, with a new Bluff Water Works facility. Both companies require you to fill out an application, present your Land Registry form for proof of ownership and pay a non-refundable connection fee that varies according to the size of your water meter. Please note that both companies only allow property owners (not renters) to apply for water service. If you are a tenant, please

3,200 US gallons) will be charged CI$4.56/m³. Anything above that will cost CI$5.79/m³. In addition, there is also an Energy Adjustment Factor charge (which varies monthly and covers the fluctuations in the cost of electricity to produce the desalinated water). Monthly meter charges also vary depending on the size of the meter, from CI$5.00 to CI$58 for meter sizes ranging from 20mm to 150mm. The Authority’s website (www.waterauthority.ky) allows property owners to register for an online account. While the Authority offers a variety of payment methods, anyone can pay their bill online at the Authority’s website regardless of whether they have an online account or not. It also provides information on outages, tips on saving water, water and sewage application forms, meter reading request forms and online fault reporting. For emergencies outside of business hours, please call (345) 946 4357. SE E AD PAG E 122

Bottled Water Locally bottled water is clean, affordable, and tastes good. It can be found in grocery stores and petrol stations. Alternatively, you can install an under-the-sink wellwater/city-water filter system. The ‘City Water Filter’ from Ion Faucet removes all the chlorine that is put in desalinated water and the company imports directly to Cayman. See www.ionfaucet.com. A plumber on page 169 can easily fit the system under your sink. Flowers Bottled Water 172 Seymour Drive, Industrial Park, GT Tel: (345) 949 8688 Email: sales@flowerswater.com They sell purified, chlorine-free water in fivegallon BPA-free bottles. They deliver to homes and offices or you can pick up five-gallon bottles from convenience stores and petrol stations Island-wide.

Bulk Water Flowers Block

15th ANNIVERSARY “Opening Doors to Wellness For Our Members”

Government-owned INSURANCE COMPANY which provides HEALTH INSURANCE COVERAGE to residents of the Cayman Islands


CINICO currently offers health insurance products in the following categories:

Civil Servants & Pensioners

Health care coverage available to Civil and Public Servants and their dependents.

Seafarers & Veterans

This plan provides health insurance coverage to qualified Seafarers, Veterans and their dependents, and is administered on behalf of the Ministry of Finance.



arrange with your landlord to receive duplicate billing. Always be sure to inspect your home regularly for dripping taps and “phantom flushing” toilets to avoid an unexpectedly high water bill. If you suspect a leak, please contact a licensed plumber as soon as possible. At Cayman Water, in 2019, the first 3,000 US gallons for a residential customer will be charged at CI$18.98/1000 gal. Anything above that will cost CI$22.77/1000 gal. An energy adjustment factor surcharge is applied each month that varies according to the cost of electricity. Monthly meter charges also vary depending on the size of the meter, from CI$3.50 to CI$40 for meter sizes ranging from 5/8” to 6”. Cayman Water’s website provides additional information to customers, such as current water quality data and answers to frequently asked questions (www. caymanwater.com). At Water Authority - Cayman, the first 12 cubic meters (m³) (approximately

Standard Health Insurance Contract (S.H.I.C.) Plan

As it is a legal requirement for all residents of the Cayman Islands to have health insurance coverage, this plan provides the minimum coverage required by law, and is available to all residents upon application and payment of premiums.


Medical Case Management & Claims Units

There is no doubt that with this level of in-house expertise, as well as exceptional customer service, CINICO’s members enjoy the invaluable benefits of a sense of security and peace of mind.

Cayman Centre, 1st Floor, Airport Road | P.O. Box 10112, Grand Cayman KY1-1001 Tel: 345-949-8101 | Fax: 345-949-8226 | www.cinico.ky


www. c a y m a n r e s i d e n t . c o m


Car Insurance Refer to the Transportation chapter for more information and page 123 in this chapter for insurance providers.

184 Seymour Drive, Industrial Park, GT Tel: (345) 623 0000 Email: customerservice@flowersgroup.com Offers bulk water for those who need their cisterns filled. They also provide pool water.

Health Insurance Under the law, all residents of the Cayman Islands must have health insurance, and all employers are obligated to ensure that their employees, their unemployed spouse and dependent children residing on-Island are also covered. The options for coverage



Cayman has a wealth of insurance companies that can provide cover for your home, car, life, health, property, contents, liability and much more.

Protect our paradise...

Choose tap water instead ./



Water Authority -Cayman



www.waterauthority.ky | (345)94WATER


range from the basic SHIC plan (Standard Health Insurance Contract), to premium plans which cover everything and cost a lot more. The law states that the employer must cover at least 50% of the cost of the basic SHIC plan but they are not obligated to cover any of the costs of your unemployed spouse or children. Therefore knowing how much your health insurance deduction will be each month is crucial to working out if you can afford to live here. The basic SHIC plan is not expensive: the cost for an individual is in the region of CI$150-CI$167 per month, for a couple it is CI$300-CI$372 and for a family it is CI$465-CI$508. If you would like to add dental and vision coverage then that costs approximately CI$30 more per month per individual. However, the benefits are fairly basic, so make sure to ask for a breakdown from your company. Most companies will also offer an enhanced or premium plan as an option, but the costs for this can be in the region of CI$400-CI$800 per individual per month, CI$1600 per couple per month and well over CI$2000 for a family. Make sure to ask how much of this you will be expected to pay. Health insurance rates depend on the size of the group, the age of the employees, if there are any pre-existing conditions and whether it is a standard or premium plan. Rates will increase each year if there are any major claims. The good news is that premium plans always offer global coverage and the benefits are very extensive. The basic SHIC plan only provides on-Island care, and will only offer overseas care when treatment is not available in Cayman. The cover for dental, prescriptions, out-patient doctor’s visits or diagnostic procedures is also limited. If you have to find your own health insurance policy consider using a broker to see which insurance plan would work best for you. They don’t charge and they do all the leg work. Your doctor or dentist may also have some valuable advice as well. For more information, and to see a list of health insurance providers and brokers, please see the Health & Wellness chapter.

to the insurance companies. Shop around for an insurance rate to suit your needs. Contents Insurance Budget for about CI$500 per CI$35,000 of coverage. If you are renting a property, your landlord may have insurance to cover the contents provided in your unit, but anything belonging to you needs to be covered by your own policy. The risk of theft in Cayman is relatively low, however, due to the chance of flooding and hurricane damage, insurance is recommended. Insurance companies suggest you make a list of all your home contents and personal possessions, including relevant serial numbers, and the current replacement cost for each article. This will ensure you do not inadvertently under-insure your contents. The consequences of underinsuring your contents are simple: if the insurance company finds you have insured your contents for CI$10,000 when they are really worth CI$20,000, and your loss is CI$5,000, then they will only reimburse

you CI$2,500. This is called the condition of average and is not unique to Cayman. You should review your insured items list every year to update the values, as these details will assist in faster claims settlements. Under-insurance is also applicable to your home insurance. You need to ensure your property rebuild valuation is current and the sums insured are adequate. If you own property that is part of a strata complex, your kitchen contents will likely be covered by the strata’s building insurance. Otherwise you will have to insure your kitchen appliances yourself. Insurance Providers Aon Risk Solutions (Cayman) Ltd.


Tel: (345) 945 1266 Email: nigel.twohey@aon.com www.aon.com/caymanislands Products: risk management broker services offering




business and liability insurance, personal customer’s home, motor and marine insurance


www. c a y m a n r e s i d e n t . c o m



Home Insurance The average cost of annual house insurance is based upon a percentage of the property value and generally, includes liability insurance. Waterfront properties may attract higher insurance rates depending on the value of the property, their proximity to the water, storm-protection features, and height above sea level. If your property is part of a strata corporation, the building must be insured in the name of the strata. Each owner then pays a portion, usually based on square-footage, which is often included in the monthly strata fees. The Cayman Islands Government charges a flat rate of CI$12 Stamp Duty on all insurance policies, plus an additional Stamp Duty fee of 2% of the premium for policies covering immovable property. This means that if you purchase or renew an existing policy on your home and the premium for the house is/was CI$5,000, you would pay Stamp Duty of CI$112 (2% of CI$5k plus CI$12). The fee is due in full at policy inception and does not go

Cayman New Resident July 2018 final.pdf




Get a quote today. www.caribbeanalliance.com

plus health, life and disability policies for employer groups. SE E AD PAG E S 120 & 308 Balderamos Insurance Services Tel: (345) 945 3450 Briat Insurance Tel: (345) 945 0030 Email: info@briatgroup.com


www.briatgroup.com Briat Insurance focuses on providing insurance solutions and risk management services to a range of commercial customers, including group health and executive homeowners. Through Briat’s extensive relationships throughout the



industry, they have the ability to place into both the regional insurance and international


specialty markets, including Lloyds of London.

Tel: +1 (345) 949-9744 Email: Aleisha.Lalor@caribbeanalliance.com #203 Alissta Towers, 85 North Sound Road P.O. Box 1762, Grand Cayman, KY1-1109

Global Alliance (GGA) programme. SEE AD PAGE 67

Briat is a global partner under the Gallagher

British Caymanian Insurance Company Limited (BritCay) Tel: (345) 949 8699


Email: info@britcay.ky or www.britcay.ky For more than 30 years, BritCay has been known as a company that offers security,





service. Products offered include: Property and Casualty (home, motor, travel and commercial insurance), Health Insurance and Employee Benefits, Life Insurance and Pension Services. SEE AD PAGE 205 CINICO Cayman Centre, First Floor, Airport Rd, GT Grand Cayman Tel: (345) 949 8101 Cayman Brac Tel: (345) 948 8101 www.cinico.ky A Government-owned insurance company formed to provide health insurance coverage to civil servants (employees and pensioners). They also offer the Standard Health Insurance Contract (SHIC plan) to all Cayman Islands residents with options for individuals, couples and families. SE E AD PAG E S 93 & 121 Cayman First Insurance Company Cayman First Centre 17 Vibert Bodden Drive, off Shedden Road Tel: (345) 949 7028 124



188923_PRINT-IH-Ad-Resident-SettPage 1

Email: askus@caymanfirst.com

and Pension.


SE E AD ON T H I S PAG E & PAG E S 126, 144 & 244


Cayman First Insurance offers a full line of general insurance products and affordable

Massy United Insurance

group and individual health insurance products,

Cayman Technology Centre, George Town

that are easy to understand and designed to put

Tel: (345) 743 1900

you and your needs first. Insurance Products:

Email: info.ky@massyunitedinsurance.com

Health, Home, Motor, Marine, Casualty and


Commercial. SE E AD PAG E S 126 & 310

Products: Home, Contents, Motor, Personal Accident, Marine and Business.

Caribbean Alliance Insurance

SE E AD PAG E 123 & 260

203 Alissta Towers, North Sound Road, GT Tel: (345) 949 9744

Pensum Services

Email: aleisha.lalor@caribbeanalliance.com

Tel: (345) 923 6655


Email: insurance@pensum.pro

Products: Home, Contents, Motor, Liability,


Business, Travel and Marine. SE E AD PAG E 124

Pensum has 15 years of experience in international




Cayman Insurance Centre (Insurance Brokers)

aviation, commercial and private property-

Cayman Business Park, Unit A3, 10 Huldah Ave

related insurance and health insurance for

Tel: (345) 949 4657

international crew members.


www.cic.com.ky Products: Life, Group Health, Individual Health,

Saxon Insurance


Tel: (345) 947 2966




Email: insurance@saxon.ky or www.saxon.ky


Products: Home, Contents, Auto, Travel and


Indemnity. Celebrating over 45 years.

Liability Insurance. Fidelity Insurance (Cayman) Ltd. Tel: (345) 949 5836 Email: insurance@fidelitycayman.com www.fidelitygroup.com Products: Property, Construction, Liability, Business, Marine and Motor.

Life Insurance Michael Webster is an independent broker who specialises in life insurance. Other insurance providers listed in this chapter may also provide life insurance.

SE E AD PAG E S 46 & 309

Michael Webster - Life Agent The Insurance Company of the West Indies

Tel: (345) 925 5433

(Cayman) Limited (ICWI)

Email: michael.webster@cic.com.ky

Tel: (345) 949 6970


Email: cayman@icwi.com or www.icwi.com

Michael Webster offers protection for both

Products: Motor, Property, Casualty, Liability

your mortgage and family. He offers term life,

and Marine. Ask about REACT, Family Pack,

universal life and whole life policies. For peace

Uninsured Motorist, Accident Forgiveness and

of mind, call for a free, no obligation quote.

Alternative Transport under Motor Policy.


SE E AD PAG E S 124 & 243


Island Heritage Insurance Company Ltd. Tel: (345) 949 7280 Email: info@islandheritage.com.ky www.islandheritageinsurance.com Insurance providers for Home, Motor, Yacht, Commercial Property, Liability, Contract Works

Private (Non-Government) Pensions The Cayman Islands are different from other jurisdictions when it comes to pensions. There are two pension sectors in Cayman, privately funded pension plans and Government funded pension plans


www. c a y m a n r e s i d e n t . c o m




for civil servants (see the opposite page for information on Government funded pension plans). The private sector pension plans are funded by employees and employers, but Government-mandated. The Cayman Islands Pension Law requires both employees and employers to contribute a total of 10% of the employee’s monthly salary to an approved pension plan. The law states that employees must contribute 5% and employers must match the 5%. Those who are self-employed are also required to contribution 10% of their salary to a pension plan. In May 2016, the National Pensions (amendment) Law 2016 was passed with over 50 provisions revised. A few of those changes to the Pension Law include: • Adjusting the normal age of entitlement from the age of 60 to 65 for those who are 47 and younger as of January 1, 2017. Those who were 48 and older as of January 1, 2017, may still retire at 60 (early retirement at 50). • Raising the maximum annual

pensionable earnings from CI$60K to CI$87K • Accessing voluntary contributions for housing, medical, educational, and unemployment purposes • Withdrawal of pension funds • Transfers from private sector pension plans to the Public Service Pension Board. Under the National Pensions (amendment) Law 2016, the way members can access their funds when they terminate employment on Island has also changed. Effective from 31st December 2017, a member who has CI$5K or more in their account may elect to transfer the balance of the pension assets to a pension plan, pension entitlement savings arrangement, or life annuity that is outside of the Cayman Islands. Prior to completing the transfer, a member must cease employment on island; make no contributions to the pension plan; and not reside on the Island for two years. The amendment also stipulates that members will no longer be able to request a lump

sum payout after December 30th 2019. After which, refunds will only be available to members under two conditions a) the total value of the pension fund is less that CI$5K (this is also done at the administrators discretion) and b) if a member reached the age of 65 and is unable to transfer their pension benefit to an approved pension plan, life annuity, or similar arrangement. Generally, should you choose to leave the Cayman Islands and the total value of your pension assets are less that CI$5K, you may request to have your funds paid out to you and this is usually available six to eight weeks after your last contribution has been received by the pension provider. If you have a query regarding the new Pension Law, call the Department of Labour and Pensions at (345) 945 8960 or visit www.dlp.gov.ky. Registered Pension Providers BAF Insurance Company (Cayman) Ltd. Dot Com Centre, Dorcy Drive, Industrial Park Tel: (345) 949 5089 Cayman National Pension Fund Suite 6201, 62 Forum Lane, Camana Bay Tel: (345) 640 9263 www.caymannational.com Chamber Pension Plan 2nd Fl, Strathvale House, George Town Tel: (345) 745 7630 Colonial Pension Services Ltd. BritCay House, 236 Eastern Avenue, GT Tel: (345) 949 8699 Email: pensions@britcay.ky or www.britcay.ky Excellent




administration/investment fees (no hidden fees), contributions allocated and invested every month, active participation and member selection of investment mix encouraged. Regular reports and enhanced access that allows members to verify and make amendments to their account details and investment allocations online. The Fidelity Pension Plan Cayman Financial Centre, 36A Dr. Roy’s Drive 126



www.fidelitygroup.com The Fidelity Pension Plan uses multiple investment managers who are industry leaders in their respective areas of expertise. These investment managers have some of the best-rated funds within their asset class, and have delivered superb investment returns to their investors. SE E AD PAG E S 46 & 309 Island Heritage Pension Plan Island Heritage House, 128 Lawrence Blvd Tel: (345) 949 7280 www.islandheritageinsurance.com Island Heritage and the BF&M Group of companies offer long-term value through active





analysis of risk/return. Pension members are provided with the solutions, resources, tools and guidance needed to develop and manage a retirement strategy. SE E AD PAG E S 125, 126, 144 & 244

Silver Thatch Pension Plan Saxon Centre, 14 Saturn Close, Eastern Avenue Tel: (345) 943 7770 www.silverthatch.org.ky Silver Thatch Pensions is one of the largest pension plans in the Cayman Islands with assets under management of over $600 million, with low fees and multiple retirement benefits. As leaders in the industry, Silver Thatch offers clients the only fully paperless process in Cayman, helping to streamline clients’ pension needs, in a secure and dependable manner. Clients also have the ability to monitor their accounts online via the

with at least ten years of qualifying service. Upon electing to retire, a plan member is able to collect a full monthly pension or they can elect to commute up to 25% of their benefit as a lump sum and receive a reduced monthly pension. If a plan member is no longer employed with a participating PSPP employer and they are not eligible for retirement, they have options to leave their accrued benefit in the Plan until retirement, transfer it to another approved plan in the Cayman Islands or request a cash-out of their accrued benefit. Of note, the cash-out option is subject to satisfying specific conditions relating to a non-Caymanian no longer working and residing in the Cayman Islands. Public Service Pensions Board: If members want to find out information specific to their pension they can meet one-on-one with a PSPB Member Services Officer. Walk-in service is available Monday to Friday or by appointment at both of the PSPB offices. The PSPB Grand Cayman office is located at the Government Administration Building (133 Elgin Avenue) in George Town and the PSPB Cayman Brac office is located at 5 Dennis Foster Road in Cayman Brac. For more information, visit www.pspb.ky or contact the PSPB on (345) 945 8175.

Tell them you saw it in the

Members Online Portal.

Public Service Pensions Civil servants and other public servants are members of the Public Service Pensions Plan (PSPP), which is administered by the Public Service Pensions Board (PSPB). This means that 15 Ministries and Portfolios of the Cayman Islands Government, along with 13 Statutory Authorities and Government Owned Companies are actively participating in the PSPP. As the largest pension


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administrator in the Cayman Islands, the PSPB oversees pension accounts for over 10,000 individuals, with over 1,800 of these members being pensioners. The PSPP has both Defined Benefit and Defined Contribution components. Any member who joined the PSPP prior to January 2000 is part of the Defined Benefit Plan portion. Individuals who join the PSPP after January 2000 are part of the Defined Contribution Plan. This means that if you are looking at starting employment with one of the PSPP’s participating employers, you will join the Defined Contribution Plan. Contributions & Rate of Return: For plan members of the Defined Contributions Plan, contributions of 6% will be deducted from your salary or wages and will be credited to your Employee Contribution Account. A further 6% of your pensionable earnings will be credited to your Employer Contribution Account on your behalf by your employer. The balances in both these accounts will increase each year based on a credited rate of return, which is calculated from the average of the rates of return received on investments for the previous three years, net of expenses. Retirement Options: Depending on your age, years of service and if you have Caymanian Status are all factors that will determine your retirement options or options available to a plan member if they leave the PSPP before becoming eligible to retire. The normal retirement age is sixty-five, but early retirement options are available for plan members


Tel: (345) 949 7822

Home Finding a

Photos courtesy of John Molyneux and Jonathan Sparrow.

Overview of Cayman’s residential areas, renting guidelines, resources for finding a place to live, buying a property and temporary accommodation.



Overview of the Property Market - Land & Homes - Condos & Apartments - New Developments - The Real Estate Industry in Cayman

128 130 130 130 132

Overview of Residential Areas - Grand Cayman - Cayman Brac - Little Cayman

134 134 144 145

Buying a Property  - Stamp Duty & Other Charges - Legal Conveyancing - Mortgages & Borrowing - Insurance Required for Mortgages - Strata Titles - Property Valuations & Appraisals - Pitfalls to Avoid - Home Inspections & Site Surveys - Property Management Services - Realtors - Sales

146 146 147 148 148 148 149 150 151 151 152

Renting a Property - Starting Your Search - Related Costs - Realtors - Rentals

155 155 155 156

Temporary Accommodation






There are eight unique features that make the Cayman Islands a very special place to live, work or holiday in: 1) Easy access to the US; 2) Great year-round weather; 3) Trade in US and Cayman dollars; 4) English is the native language; 5) No direct taxation; 6) Excellent commercial infrastructure; 7) Pristine beaches; 8) We are a British colony under British rule of law with relatively low crime. Specifically in terms of real estate, there are further benefits: Cayman has a mature real estate market with a 35 member Multiple Listing System (MLS); South Florida building codes are enforced; talented craftsmen and builders, and due to our close proximity to Florida it is relatively easy to import good quality building materials. There are many other Caribbean Islands which have several of these benefits, but there is no other which has them all. For another year running the Cayman property market is thriving, despite a lack of properties for sale which has been reflected in the 12.5% decrease in the number of MLS Real Estate sales so far this year (July 2019). The overall value of those transactions, however, rose by 9%. Due to the lack of sales the average sale price for 2019 is approximately 25% higher than 2018, but the price increases may also be slowing the market a bit. On the supply side there is a 2% decrease in the number of listed units over last year, and the value of all the listed properties in the Cayman Islands Real Estate Brokers

Association (CIREBA) is down about 8% to US$1.66 billion.



Land With no property taxes, owning land in Cayman is a hassle free investment. You can build when you are ready, or sell the land for a profit when it is convenient. Land sales for the first half of 2019 were down by 12% and the value of the transactions was also down 6%. That does not mean that land values are dropping, however, in fact, the prime parcels continue to rise in price. But we are starting to see a lack of supply of good beach parcels or lots in well located canal communities. Those properties that are still available are somewhat inferior to previous sales, so lower pricing is appropriate. However, quite a few smaller, low priced inland lots have been selling to satisfy residency requirements, and those sales have brought the average sale price down more than any other factor. Homes The homes currently on the market (July 2019) can be found in a variety of shapes, sizes, locations and at prices ranging from a cottage in Cayman Brac at US$130,000 to a palace on Grand Cayman at US$39,950,000! Last year home sales were still sluggish, but in 2019, when the lure of some of the fine homes which were on the market was finally too much to resist, prices rose 28% for exactly the same number of homes sold. The overall residential market is now so strong that reselling has actually paid off for any who have had to move. Condominiums & Apartments A wide selection of condos, apartments and townhouses are for sale across the three Islands and consideration should be given to make sure your new condo home is ‘fit for purpose’. Read the Strata By-Laws to ensure they meet your family requirements and review strata or 130



condominium fees to determine if any assessments are pending and whether insurance payments have been factored in. With regard to real estate sales, the number of condominium transactions was down 13% due mainly to lack of supply, and the price increases couldn’t quite compensate as condo sales revenue was also down by 2%. On SMB, developments like Agua and Seacreast condos are now under construction, but all sold out. Watermark has not yet begun but is 73% sold out. The proposed Hyatt Condo/Hotel for Pageant Beach is quoting 35% sold and scheduled to break ground in fall 2019. The Lacovia redevelopment will commence September 2020 and they are quoting 65% sold. There are many others not on SMB with totals showing over 1,000 projected new units. However anticipated sales numbers can be misleading as these are often refundable ‘reservation deposits’ which are subject to some natural fallout during the formal contract process, or some marketed developments may not have funding locked in yet, and may never be built. Talk to someone who is not representing the developer to get a better feel for the likelihood of a certain project. One question you should ask is: does the location match the style and price point of the project? If not, the odds are long. SMB has led the way with price records being set in new projects. Cayman began to come out of the recession in 2015, so we have had a 3.5 year run which has led to new record price levels. Lack of supply of existing units has led to both higher prices and fewer sales in the past 12 months. The value of the average condo sold in the MLS by CIREBA firms rose by 13% in 2019 YTD (as of July 2019). Condos will always be in greater demand than other residential options in a resort location like Cayman where we have a lot of short-term visitors. However the longer you expect to stay in Cayman, the less this living style will

fit. Many condos are designed for short term stays both in their physical location and in their by-laws, while others are designed and built for longer term stays. Very few manage to keep both types of purchasers happy for long, so make sure you know which you are getting before you buy. 2019 condo listings currently range from US$158,000 for a 1 bed inland unit in West Bay to US$7.8M for a 4 bed beachfront unit on Seven Mile Beach at Watermark. There are a whopping 581 units for sale, but the majority are pre-construction units and most are not on Seven Mile. Many are also inland developments. Existing units are only coming on the market if the pricing will allow sellers to realise a profit. Nobody really wants to sell their Cayman property, but sometimes the appreciation just gets the best of them; that, and maybe a change of living circumstances (age, divorce, downsizing, etc.). New Developments With the real estate market being so strong, and current inventory being in short supply, it is no surprise that developers are taking this opportunity to replenish the marketplace. As always, Seven Mile Beach is thriving. On the cusp of SMB is the new Curio Collection by Hilton. The 80-room boutique hotel is scheduled to open in 2021 and is marketed as a wellness hotel, with a focus on healthy living. Off Seven Mile Beach is Plymouth at Clipper Bay, a gated community which infuses modern urban living with Mediterranean design. There will only be 22 units available, and tenants will enjoy a gym, Olympic length pool, communal barbecue area and beautifully landscaped gardens. SeaDreams, a luxurious 8-unit, 4-storey oceanfront boutique complex will be located on North West Point Road, and units start at just over US$1,000,000. There is also Diamond’s Edge, a new exclusive oceanfront gated community development located on the North Sound with unparalleled views and direct boating



access via an owner’s private channel. It offers a serene and private oasis replete with lush landscaping, finished seawalls and high end cantilevered docks. Estate lots are construction ready, no pilings required and are minutes from the North South Golf Club. Underground utilities, extensive streetscaping with custom lighting make this luxury community a truly rare and distinctive place to call home (SEE AD PAGE 13) . Nautica presents a whole new concept in oceanfront living offering 2, 3, and 4 bedroom condominiums built around a state of the art marina for boating enthusiasts who want the highest standard of living along with unobstructed views and the ease of access provided by the owner’s channel cut directly to the North Sound. With fitness trails, boardwalks and a clubhouse all within walking distance of the North Sound Golf Club, this development offers a private, secure and upscale lifestyle. Another, is ONE Canal Point. With 73 units in total, ONE offers residents a carefully considered selection of 1, 2 and 3 bedroom plus den condominiums and townhomes. World-class amenities include a dog park, community fruit tree orchard, children’s playground, communal roof terrace and 25m lap pool. Prices start at US$600,000 up to just under the US$2 million mark. Dart Real Estate and NCB Group broke ground on Camana Bay’s first for-sale residential development, OLEA, in early 2019. Amenities will include beautifully landscaped common areas, a resort-style pool and a fully equipped gym, and property options will range from 1 bedroom condos to 4 bedroom townhouses. Phase 1A is slated for completion in August 2020, and Phase 1B in November 2020. The South Sound area shows no signs of slowing down with Tides nearing completion and virtually sold out. This is also true in the Grand Harbour area, with a number of new residential developments already underway. Allure, 132



which will hug the coastline and offer unimpeded views of the North South, is sophisticated Island living at its best. Featuring 2 and 3-bedroom luxury condos and a wide range of amenities. Prices start at US$488,000. Arvia will be a single-phase development, located on the Grand Harbour Canal, comprising of 96 condos, and interestingly the first approved aerial subdivision on-Island. The condos will be clustered around a small marina-like set of docks, ensuring each home has a view of the waterway. Amenities include a 50-metre pool, a tennis court, gym and yoga facilities, and all the benefits of waterfront living including dock space. The units will range in price from US$606,353 to US$834,486. Paraiso, located at the end of Lords Way, will consist of 12 luxury canal front townhomes. Each unit will have their own boat dock, large private patio area and the option for an individual plunge pool. Harbour Walk, located between Periwinkle and the Shoppes at Grand Harbour, is an exciting new multi-purpose destination location which will feature retail, office and residential space. Residents of Harbour Walk will enjoy exclusive use of the 1,000ft jogging track, open-air workout area, yoga platform, infinity edged swimming pool and roof-top cabanas. The Real Estate Industry in Cayman Back in the day (pre-1980) Cayman’s real estate market could best be described as the Wild West. There were no real estate laws, no safeguards, and no consistency of business practices except that it was every man for himself. In 1987 a group of local realtors agreed to work together and founded the Cayman Islands Real Estate Brokers Association (CIREBA)


. Their purpose, as a not-for-profit organisation, was to try to regularise the industry for the benefit of buyers, sellers, and realtors. They created a hybrid of the US and Canadian real estate systems of that time, added a sprinkling of the most 134)

acceptable Cayman market norms of the day, and wrapped it all in British Law. Not only did that lead to the Caribbean’s first MLS system, but also to a 3-part course of study for brokers and agents, including entry level testing and continuing education, a required code of ethics and comprehensive set of rules and regulations with penalties for noncompliance. In short, CIREBA became the gold standard for the Cayman real estate industry and eventually its quasi-regulatory body. This meant the industry did not have to be regulated by Government, which has been a bonus for all concerned. To say that CIREBA was a significant contributor to what the Cayman real estate industry is today would be a gross understatement; there is no way our industry could have ever approached its current levels without CIREBA. There is still nothing close to it anywhere in the Caribbean – although it has been copied elsewhere (often with help from CIREBA). Currently there are 35 broker members with about 220 agents and they make up the vast majority of all Island practitioners (although there are a few outliers as membership is not compulsory). These brokers share their property listings in an online Multiple Listing System and they work together on real estate transactions which allows buyers to see all the properties and still work with their single favourite agent. It also allows sellers to get the widest possible exposure for their properties. The association works closely with the Cayman Government on any issues relating to the real estate business to ensure a good experience for all involved. Legal Overview The real estate market in Cayman is simple and straightforward. Apart from a one-time stamp duty, there are no annual property taxes or restrictions on foreign ownership by individuals and title is granted and guaranteed by the Cayman Islands Government.


26+ years with the BEST

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Title to land is recorded in a modern, reliable and centralised land registry, where every plot of land is mapped and given a descriptive title number based on location. Any encumbrances such as mortgages, rights-of-ways and cautions pending contracts are recorded on the title register of the parcel of land. As a result of this there is no need for lengthy title searches, title companies or title insurance. In fact, title companies and title insurance do not even exist in Cayman. Vacant land can be owned and held for future investment potential. To date, Cayman real estate has proven to be an attractive and profitable investment. Owning land in the name of a corporation is possible, but strict rules apply and a lawyer’s advice is essential. Buildings are subject to a series of planning permissions and building permit approvals. These are monitored by the Cayman Islands Central Planning Authority and Building Control Unit, which carries




out plan reviews and onsite inspections that relate to site, building, plumbing, mechanical and electrical works. There are also requirements for structural engineers to take into consideration such as seismic design principles depending on the building heights and purpose of the building. Construction materials have to be imported and are subject to duties that range from 15%-22% on the landed value (which includes duty on the shipping costs). Consequently, the cost of building is considerably higher than in places where materials are more readily available. Refer to the Building in Cayman chapter for a detailed guide on building a residential property, as well as a list of building professionals in the Cayman Islands. Attorneys are usually used by a purchaser to aid in understanding the difference between our system and what they are familiar with back home. An attorney can also help with more complicated transactions, and ensure

that the somewhat archaic procedures required by the Cayman Islands Land Registry are more easily negotiated. The biggest difference between a purchase here as opposed to most other jurisdictions is the Stamp Duty which is a 7.5% fee based on the sales price of the property. It is paid to Government after closing on each transaction in order to register your title and it is normally paid by the purchaser. OVERVIEW OF RESIDENTIAL AREAS IN GRAND CAYMAN

Seven Mile Beach (SMB)


is divided into two areas: the beach and across the road from the beach. Both are ideal locations within walking distance to restaurants, bars, nightclubs,


shops and Camana Bay. There are many apartment complexes on Seven Mile Beach itself, but most are rented out for shortterm, daily rentals. However, some offer long-term rentals like George Town Villas, The Grandview, Sunset Cove, Laguna del Mar, Seagull Condominiums, Lacovia, The Sovereign and The Pinnacle. Monthly rental prices in this area range from a low of US$2,000 to a high of US$35,000+). Areas such as Snug Harbour, Parkway, Governors Harbour, Canal Point, Crystal Harbour and the Cayman Islands Yacht Club area are all nice places to live and really popular with families, though the prices of properties can vary significantly between them. There are many four-bedroom houses in these areas but you can also find upscale two and threebedroom apartments in a few of them. Properties are usually well maintained and professionals tend to rent or buy them. These neighbourhoods around Seven Mile Beach are generally quiet areas, near to restaurants and the beach. There is also a very good school in Camana Bay called Cayman International School, which follows the International Baccalaureate education system and accepts children from two to 18 years of age. In 2019 they undertook a major expansion project that is slated for completion in early 2020 and it will allow them to accommodate just over 1,000 students. Britannia apartments are popular and vary in price, but based on the large number of units you can usually find a motivated seller. Apartments have either canal, pool or park views and the property is walking distance to Camana Bay and all its great facilities. Snug Harbour lies to the east of the West Bay Road and is reached from the Esterley Tibbetts Highway. This is a sought after residential area and is very popular with families. As well as being family and dog friendly, Snug Harbour has the advantage of being close to Seven Mile Beach and Camana Bay with easy access to George Town and West Bay. The area has two roads, Jennifer Drive and Andrew Drive,




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Why trust the purchase or sale of your property to just any real estate firm?



Our family has been synonymous with Cayman real estate for almost 50 years. We know the local market and can provide you with experienced, professional service for your particular needs, whether it’s residential, canal or beachfront properties, property developments or simply investment opportunities. We are also the exclusive agents for upscale developments such as Crystal Harbour, Lalique Pointé, Harbour Reach, The Channels and FINN. Trust us with your next real estate move.

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which run parallel West-East and finish at the North Sound. There are a number of intersecting roads in-between. Much of the residential housing consists of detached family homes with gardens, ranging from modest two bedroom homes to more upscale, five/six bedroom residences. However, there are several apartment buildings and townhouses here too, particularly towards the North Sound. Residents of Snug Harbour enjoy the added benefits of use of the Snug Harbour Park. This consists of a tennis court, a basketball court, a children’s playground and a large grassy park. This is a popular meeting spot for families. Residents can book to use the tennis and basketball courts online. Palm Heights Drive lies to the south of Snug Harbour and is accessed through the main Snug Harbour entrance. This is another popular residential location. One side of this road lies on the picturesque Britannia Canal, where you can find a number of attractive residential canal front houses and apartments. The other side of Palm Heights consists mostly of detached family homes, some with beautiful gardens. Palm Heights Drive is often mistakenly considered to be part of Snug Harbour, but this is not the case. Whilst residents here use the Snug Harbour park and playground, they are not able to book the tennis and basketball courts. Camana Bay

Camana Bay and






its town centre are situated on 685 acres that stretch from the sea on Seven Mile Beach to the North Sound on the other side. The design of Camana Bay is based on New Urbanism, a planning model that promotes “walkability” through

office space for businesses, Camana Bay has become a very popular place to live simply because it welcomes the return to a traditional style of community – a friendly neighbourhood. Residential rental options include The Terraces, which are a collection of 63 one and two-bedroom apartments (some of the two-beds have a den which could be used as a third bedroom) with over 28 different floor plans. They are available for long-term rental and are located in the heart of Camana Bay’s Town Centre. Beautifully decorated with spacious private balconies, fully equipped contemporary kitchens, state-of-the-art electronics and flat-screen televisions, The Terraces also boast around-the-clock security and property management, underground parking and video entry lock systems. Monthly rental prices start at approximately US$4,000 for a one-bedroom unit and US$5,500 for a two-bedroom unit, and the rental agreement comes with a host of valueadded benefits. These benefits include gym membership and secure underground parking

with elevator access. Each of the two Terraces towers has its own lap pool and leisure area with fresh water showers, bathrooms, seating areas and an outside kitchen with a high-end gas barbeque. The Terraces are equally popular with families and young professionals and pets are welcomed. OLEA, which broke ground in early 2019, is Camana Bay’s first for-sale residential development, made up of an assortment of condominiums, townhouses and duplexes, located to the south of Camana Bay’s Town Centre. Major features of this amenity-rich waterfront neighbourhood include the Island’s first lazy river, a resortstyle pool, a waterfront boardwalk, beautifully landscaped common areas, a yoga garden and a fully equipped gym. Phase 1 is scheduled to be completed in August 2020. Living in Camana Bay is all about the lifestyle it offers more than anything else. Being able to walk everywhere (particularly if your work place is located there) and having everything taken care of for you, as well as access to world-class dining, entertainment (concerts and festivals), shopping and children’s activities right on


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a mix of housing, shops, restaurants, public spaces, schools and parks. Streets and walkways are interconnecting, offering a safe and scenic stroll or bike ride, while shady courtyards nurture social gatherings and a sense of community. Traffic is also minimal and developer Dart Real Estate has continued that theme, building a four-lane vehicle underpass so pedestrians can safely travel from Seven Mile Beach over the bypass to the Camana Bay Town Centre and waterfront. Designed by a team of awardwinning architects and planners, Camana Bay has a contemporary style inspired by traditional Caribbean architecture and is landscaped with beautiful mature trees and native plants to give it a distinctly Caymanian character. With a cinema (Camana Bay Cinema), notable restaurants, Foster’s supermarket, a weekly Farmers Market, a working ceramics studio, a yoga, sports massage and physiotherapy studio, bookstore, clothing stores, doctors’ clinics, pharmacy, a 24-hour gym, two schools, residential housing and prestigious

your doorstep, is incredibly appealing.

Every home has a story.

OLEA (Sales & Presentation Centre) Market Street, Camana Bay Tel: (345) 640 6532 Email: olea@camanabay.com OLEA, Camana Bay’s first for-sale residential development, is an amenity-rich waterfront

10-acre lake. One downside to South Sound being such a popular area to live is that the traffic during rush hour can be bumper to bumper the entire length of South Sound Road. Apart from SMB, South Sound is one of the most convenient and, therefore, expensive areas in which to buy or rent on the Island.

neighbourhood located minutes from Camana Bay’s Town Centre which will feature Grand

Canal Front Living

Cayman’s first lazy river, a resort-style pool and the largest solar array of any residential development on Island. Visit the OLEA Sales & Presentation Centre to learn more about its 124 condos, townhomes and duplexes. Open MondayFriday 12pm-5pm (or by appointment). The Terraces at Camana Bay


Dart Real Estate Tel: (345) 640 4000 Email: info@camanabay.com www.camanabay.com An exclusive property in the heart of Camana Bay


owned by Dart Real Estate, The Terraces offers residents the ‘work, live and play’ dream. With direct access to all of Camana Bay’s renowned amenities,

The Residences at Seafire

The Terraces offer modern one-bedroom and two-

MLS#: 408270

bedroom apartments. SEE AD PAGE 137

South Sound

Find yours with Provenance Properties Contact us to learn more about this listing and other luxury real estate on Grand Cayman.


+1.345.640.7000 ProvenanceProperties.com

is currently seeing a boom in development. Take a drive down South Sound Road and you will see numerous developments on both sides of the road. The popularity of South Sound isn’t surprising given its proximity to the water, schools and George Town. It is also home to the Cayman Islands Rugby Club, Tennis Club and Squash Club, public dock, a government boat launching ramp, beaches and a new seaside boardwalk. Cayman Enterprise City is set to build its main 850,000sq ft campus in South Sound in due course, and when built this 53-acre site will form a mixed-use development around a

South Sound





There are a number of waterways which cut inland from the North Sound creating canal subdivisions that are a very nice and a more affordable alternative to buying or renting a property directly on the oceanfront. If you are planning to buy a boat, you cannot beat the convenience of having a dock right in front of your home or apartment. There are 20 canal subdivisions in Grand Cayman, half of which can be found along the Seven Mile Beach corridor and West Bay, and the other half run east from Prospect to North Sound Estates and the Cays in Rum Point. Canal subdivisions take time to mature and to be built-out and this will have a significant effect on the values that land and homes in these areas can command. Over time this will change as various subdivisions develop and it is something to think about when buying. The following is a pretty straightforward and honest overview of the various canal subdivisions which can be classed into five levels, one being the most expensive and five being the most affordable. Some subdivisions straddle two levels and this invariably depends on specific roads within the area and the quality of the homes and landscaping on those roads. Level 1: Top-of-the-line estate homes. Meticulously maintained with strong covenants and manned security gate. Vista

maintenance, but could come back. A newer canal development in the area is Clipper Bay, which is located between Snug Harbour and Canal Point. Grand Harbour is the most conveniently located of the Eastern subdivisions and many of the homes here are high level properties. There are three distinct areas to Grand Harbour: the older and more developed side called South Reach, which is now a gated community, The Isles and The Estates, both of which have had a lot of building going on recently. The commercial area of Grand Harbour has a recently renovated supermarket called Hurleys, plus two restaurants and a very well-run and popular Skate Park which gets active in the evenings with 6-16 year olds. A little further east, Patrick’s Island has some older and beautiful homes with mature landscaping and wide open basins. It also backs onto a huge sway of undeveloped land with numerous dyke roads cut into it which lead to the North Sound, via numerous inland lakes, and are lovely for walking dogs, running and getting away from it all. Sunrise Landing rounds out this level. Both of these last subdivisions are popular with successful local entrepreneurs. No houses are built in the Cays yet. Level 4: Decent services with mixed mid-level homes. Older subdivisions like Red Bay, Omega and Prospect all have their “good” and “not as good” sections. As one of the newest projects, Newlands Sound has the potential to move higher but has no homes yet, though land is for sale. Palm Heights in Snug Harbour has the benefit of looking across at Britannia, but this area contains mainly duplex properties. Canal subdivisions in this level: Palm Heights, Omega and Newlands Sound. Sunrise Landing and the Cays at Rum Point all straddle level 3 and 4. Prospect, Red Bay and North Sound Estates all straddle level 4 and 5. Level 5: Minimal maintenance and either no covenants or these are not enforced. Midlevel to lower-value homes, but most



Del Mar and Salt Creek are first in class in these tier one communities because of their formal security and attention to detail, well maintained public open spaces and the quality of the homes build within. The most expensive non-beachfront homes are found here. OLEA, Camana Bay’s first for-sale residential community offers beautifully landscaped common areas and access to the highest-quality amenities. Level 2: Excellent maintenance and services. Luxury homes with a manned security gate and strong covenants. Crystal Harbour leads this class of the field and has been one of the most actively developed canal subdivisions on Grand Cayman in recent years. New to Crystal Harbour is the upscale subneighbourhood of Lalique Pointé and recently sold out Cypress Pointe North developments. The redeveloped Cayman Islands Yacht Club has benefitted the most from direct access via the Esterley Tibbetts Highway, and residents are taking advantage of its boating facilities and two very good restaurants (Morgan’s and Bàcaro). In due course, a pedestrian trail to Seven Mile Beach will be built. New to the Yacht Club area is the gated waterfront community called Stone Island, which is being developed by the same people behind The WaterColours. Britannia is fading a bit, but is still very well-regarded and a convenient living location. One important consideration, if you are planning on buying land to build on, is that concrete pilings are required in the house foundations of properties in both the Yacht Club and Crystal Harbour. This raises the cost of construction considerably. Level 3: Good services with uppermiddle class luxury homes. Well maintained with good covenants. Canal Point is in this class followed by The Shores and Mangrove Point, all gated neighbourhoods with evening manned security. Governor’s Harbour has lost its sheen due to there being no landscaping buffer from the Esterley Tibbetts Highway, and haphazard road


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still to a very reasonable standard. All these subdivisions are similar and are mixed quality developments. The developers are now deceased, so there is no consistent ongoing maintenance responsibility. North Sound Estates is farther out, but has been quite active due to pricing. Some homes are very nice, but there is too much debris around keeping prices down. Canal subdivisions in this level: Red Bay, Prospect and North Sound Estates, all of which straddle level 4 and 5, depending on which street you are looking at. Prospect & Red Bay




Prospect and Red Bay, which are right next to each other, are one of the fastest

growing areas in Grand Cayman. They are close to George Town, the schools and the Shoppes at Grand Harbour which has various shops, a school, two restaurants, a large supermarket (Hurley’s Marketplace), and the Caribbean’s largest skate park: The Mountain Dew Black Pearl. Harbour Walk, a new destination location featuring residential, office and retail space has just broken ground next to Grand Harbour and is scheduled for completion is early 2021. There are also two banks in the area, as well as the Department of Vehicle and Drivers Licensing. Also in the Red Bay area are the Cayman Islands Sailing Club, King’s Sports Centre and Powerhouse Gym. The commute to town (outside of rush hour) from this area is relatively quick (10 minutes), but traffic does get backed up during rush hour at the Hurley’s roundabout. Expect the regular commute at the height of rush hour to take 35 minutes, but you can shave 15

minutes off that time if you live at Grand Harbour. There are lots of residential homes in this area with a mix of inland, canal front and oceanfront properties. There are a few really nice areas to look out for in Red Bay and Prospect: the first is Old Prospect Point Road, a quiet beachfront community found on a winding road where longtime Cayman residents have built very exclusive million-dollar homes. The second area, called Patrick’s Island, is an upscale residential area with canal frontage, where land is still available and many desirable four and five-bedroom homes have been built. The third is Grand Harbour, which is located immediately behind Hurley’s Shopping complex. Consisting mainly of canal front homes: the south side of it, called South Reach, is a gated community and almost completely built out. The other side of the canal has the Isles and the Estates and it has been very active area in terms of new home construction. West Bay


This is a residential area at the top western end of the Island. It is less expensive than George Town or Seven Mile Beach and there are some lovely homes and condominiums on or near the sea. The canal front area called The Shores commands premium prices on rentals and sales, as do properties on Boggy Sand Road, the last residential neighbourhood remaining on Seven Mile Beach. Popular seaside West Bay condos which offer long-term rentals include: Coconut Bay, Ocean Side Plantation, Westview and Villas Pappagallo. West Bay also has some wonderful restaurants including Calypso Grill, Catch, The Commodore, 140



through town and run down to the waterfront roads off North and South Church Street. Most of the properties in George Town are mid-range in price. It is a good area to live in if you have schoolaged kids, as the main school areas are on Smith Road and Walkers Road and are literally five minutes from the town centre. Also, with increasing traffic levels, it means you will avoid the main rush hour traffic jams (the routes in from West Bay/Seven Mile Beach and the Eastern Districts are slow-moving at peak times). Private prep and high schools in this area include St. Ignatius Catholic School, Cayman Prep and High School, Triple C, Cayman Academy, Calvary Baptist Christian Academy as well as Truth for Youth. A lovely neighbourhood off Walkers Road where houses occasionally come up for sale (and are quickly snapped up) is the upscale Webster’s Estates. All the homes sit on larger than usual plots, have mature shade trees, large gardens and are architect designed. No apartment

complexes have been allowed to be built in Webster’s Estates, so there is a quiet community and family feel to the area. On the apartment front, there are many condominiums for rent off Walkers Road starting at CI$1,000 for a studio, CI$1,500-CI$2,500 for a one-bedroom apartment and CI$2,000 - CI$2,800 for a two-bedroom unit. Some of these apartments look and feel dated, so it is worth looking around and not getting discouraged, as there are some gems as well. A few of the nicer options in this area include the townhouses at The Retreats and also the L’Ambience complex off Fairbanks Road. The latter has a multitude of mature shade trees, lush landscaping, two pools and huge communal grassy areas. These are family oriented complexes and pets are allowed. If you are looking for high-end luxury, then check out Casa Luna, SeaView and Oceana. All are on the waterfront in George Town and offer luxury living for upwards of CI$1 million.

George Town (GT)


George Town is

the capital of the Cayman Islands. It is located on the southwest corner of Grand Cayman and has a busy port, with an influx of several cruise ships almost daily and cargo ships unloading most evenings. The main roads in George Town are North and South Church Street, which run through town parallel to the sea. Walkers Road has most of the schools on it (Truth for Youth, Cayman Academy, Calvary Baptist, John Gray, CIFEC, St. Ignatius, Cayman Prep, Sprogs - in that order from GT end to the South Sound end) and also many residential properties. Smith Road, Shedden Road and Eastern Avenue cut


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Cracked Conch, Macabuca, Ristorante Pappagallo, Boggy Sand Caribbean Kitchen, and VIVO. Tourist attractions like the Cayman Turtle Centre and the Cayman Motor Museum are also in West Bay. Diving from the Cracked Conch restaurant and from Lighthouse Point nearby is also very popular. Divetech, the on-site dive shop at Lighthouse Point is very welcoming, and friendly staff can explain where nearby dive sites are and they will also take you to the Kittiwake. You can also go horseback riding and bicycling along a rugged and little travelled beach called Barkers National Park, which spans part of the northern tip of West Bay. Barkers Beach is a nice area to get away from it all and is popular with dog walkers and kite surfers. Please note the area is always closed to vehicle and pedestrian traffic from sunset to sunrise. It currently takes about 20 minutes to drive from West Bay to George Town using the Esterley Tibbetts Highway.

Savannah, Lower Valley, Newlands & Pedro St. James

Beach Bay


This is another area with both inland and canal front properties. Sunrise Landings and North Sound Estates (both canal front areas) fall within Savannah and Lower Valley. These areas are very popular with young families as land is still affordable. You can also easily find canal front house plots for sale at a reasonable price. Inland you will find that properties on the market in this area are family homes on larger plots with good sized gardens and lovely shade trees. Savannah is one of the highest (above sea level) areas of Grand Cayman. The commute times have improved since the East-West Arterial Road opened, but it still slows down significantly near Prospect during the morning rush hour. From late May to early August the poinciana trees (of which the area has an overwhelming abundance) flower and the sight as you drive through Savannah is breath-taking. Also located in Savannah is Pedro St. James Castle, a national historical site and the oldest existing structure in Cayman. It is known as the “Birthplace of Democracy in the Cayman Islands”. Countryside Shopping Village, located at the roundabout where the road intersects between Savannah, Pedro and the entrance to Newlands, is the largest central shopping hub in the area. This village of shops has a Foster’s supermarket, CNB bank, large pharmacy, medical clinic, liquor store, hardware store, gym, veterinary clinic, dry cleaners, several restaurants and a few other useful stores. This is great for surrounding residents who no longer have to drive to Grand Harbour or to town for everyday essentials.



Beach Bay is on the right just before you get to Bodden Town. It has one of the highest elevations on the Island. If you drive all the way down Beach Bay Road you’ll find Sea Spray Drive, a coastal road with fabulous houses and apartments on it. One end of the road has a very private (but rocky) beach, and the sunsets over the bluff at the other end of the coast road are amazing. The rents here range from high to exclusive.

Bodden Town


Those who venture out to Bodden Town love it. It is on the beach, away from the hustle and bustle and the rents are in the low to mid-range. The community still has the feel of a small Caribbean town, with a mixture of locals and expats living alongside one another. The beaches are rustic, usually littered with driftwood and dried turtle grass and are lovely places for walking dogs. Although the impression of a long commute may keep the fainthearted away from Bodden Town, it takes just 20-25 minutes to reach George Town if you leave early or late enough to miss the rush hour traffic. Frank Sound & Cottage





Frank Sound is an area which crosses the Island as you drive towards Rum Point. It has affordable homes with large properties; the land is very fertile with mature shade and fruit trees. Another huge bonus of this area is the Queen Elizabeth II Botanic Park and the Mastic Trail, both of which are great to explore, and are located just off Frank Sound Road. It is also the location of the Clifton Hunter High School.

North Side & East End


North Side Living Life on the North Coast involves a long list of trade-offs. The distance from town, which has helped keep the old time Cayman lifestyle, is inconvenient for trips to Seven Mile Beach, the airport

etc. The prevalent onshore trade winds, which bring cool temperatures most of the year, also bring salt to coat windows and degrade electronics. On the flipside, the lack of neighbours means a lack of ambient light and great conditions for star viewing. Living in North Side can feel like being perpetually on vacation. Almost every house, drive or walk involves a sea view and holiday atmosphere, and many houses are owned by long-term visitors, who have been visiting Cayman on vacation regularly for 20 or 30 years. Others are shortterm vacationers staying at The Retreat, Island Houses, Kaibo Yacht Club Villas or The Pools of the Kai Condominiums. Residents of other districts, particularly boat owners, often go for staycations in Rum Point/Kaibo houses, especially over long weekends. Many full-time residents in the area are also retired, so very few actually commute into town to work. The journey takes about 50 minutes, but obviously depends on rush

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This is a beautiful and historical part of the Island. On the way to these eastern districts you will pass Pedro St. James’ Castle in Savannah, the Queen Elizabeth II Botanic Park in Frank Sound and the Wreck of the Ten Sails in Gun Bay. The residents in North Side and East End are said to be the friendliest in Cayman. The commute time from either East End or North Side to George Town will take at least 40 minutes (without traffic). Good restaurants in the area include Over the Edge, in the village of Old Man Bay, which serves great local seafood cooked with a French influence. Their catch of the day is always good, as is their shrimp cooked in a Chablis sauce. You can take your own wine for a CI$13 corkage charge. Other restaurants include Kurt’s Korner which offers grilled fish, stewed beef and oxtail. There is also an Italian restaurant located by Foster’s supermarket in East End called The Italian Kitchen, which provides good basic Italian cooking, but is not open for lunch and doesn’t take reservations for the evening. In the heart of East End there is Tukka, which is an Australian/ Caymanian fusion seafood restaurant and Eagle Rays, which is run by the

same owner as Tukka and is located at Ocean Frontiers. Finally, Vivine’s Kitchen, which is located on the water, is a rustic little restaurant with tables set up in Miss Vivine’s garden, where she serves up very good local food. It is packed on Sundays. Fun things to do in the area include: diving with Ocean Frontiers, walking the Mastic Trail (bring bug spray and wear walking shoes), snorkelling off the North Coast (remember it is a marine park so don’t break anything off or take anything home with you), beachcombing deserted beaches, kiteboarding, sailing or having a ride on White Sand Sports’ exhilarating Jetovator which you can find at the Wyndham Reef Resort.

hour traffic. Other residents work locally, primarily in the tourist/hospitality industry. Being relatively far from town means that some forward planning is needed for routine activities. Without a list, one is fated to “pop back” at least as far as Countryside Shopping Village to pick up forgotten items. Organise your errands to make sure to get all of it done on one day. There is a wide cross-section of society living in the district of North Side. Nobody cares who you are, only if you have something interesting to say! A great advantage of living in a spot like North Side is the atmosphere and smalltown community feel.

10 Rum Point


RUM POINT 192719_PRINT-Ad-IH-Resident-QrtPPage 1

has a beautiful stretch of beach and faces the North Sound. It has shade, clear waters, exclusive million-dollar homes and some more affordable condos. The Rum Point Club can be reached by car, ferry or private boat and is a great place to hang out in hammocks, eat lunch at a picnic table and swim or snorkel in the safe and shallow water right in front of the sun lounger area. On Sundays the place is jammed and sometimes up to 50 boats are moored off the beach. Nice things to do in the area include paddleboarding, waterskiing, kayaking, sailing and taking a boat to the Sandbar to see the stingrays. White Sand Water Sports offers a daily sunrise trip to Stingray City Sandbar. The boat leaves from the dock at Kaibo at 7am. Your first stop will be at the Sandbar, to feed the stingrays their first meal of the day before the hordes of tour operators arrive. Make sure to book well in advance, as it is incredibly popular. You can also fly fish the mini sandbar on the Eastern 7/29/19 PM side of the3:26:29 lagoon entrance and take a Rum Point

bioluminescence kayak tour with Cayman Kayaks on a moonless night. The commute to George Town will take just under an hour, although a couple of residents commute by boat across the North Sound, but this means you have to leave a car at either end. The nearest supermarket is Foster’s Express opposite The Wyndham Reef Resort in East End, but it is quite small. There is also a small rustic grocery shop, Chisholm’s on Rum Point Drive. Cayman Kai


Cayman Kai is just beyond Rum Point. There is a holiday home feel about the area and life is centred around the beach. There are many luxurious houses and a few upscale apartments on the water. Prices in this area are high for large private homes but there are two-bed condos at the Kaibo Yacht Club which rent for around CI$200 per night. Some residents treat themselves by renting a house or condo here for the weekend. Call Cayman Villas (Tel: (345) 945 4144) to see what vacation rentals they have available. Great restaurants include the chilled out Kaibo Bar & Grill and the upscale Upstairs Restaurant which has a superb rum collection and a tasting menu with wine pairing. Kaibo also has a coffee shop, they sell ice, basic groceries and fuel for cars and boats. The commute into George Town at rush hour will take just over an hour. OVERVIEW OF RESIDENTIAL AREAS IN CAYMAN BRAC

The most easterly of the Cayman Islands, the Brac, is about 12 miles in length and just over a mile in width. Early Scottish fishermen who settled here gave the Island its name. Brac is Gaelic for bluff, named after the limestone ridge that runs down the centre of the 144



Island reaching an elevation of 150ft at the eastern end. This is also the highest point on all three Islands. The friendly Brackers share their Island with over 200 different bird species and numerous iguanas. The dramatic scenery and rugged terrain boasts a plethora of hidden caves and winding trails that the whole family will love exploring. The atmosphere is tranquil, crime is almost non-existent and the people are friendly and welcoming. Cayman Brac is also famous for its superb diving, which should not be missed. West End

WEST END (Cayman Brac)

Stake Bay

The Bluff

the radar, the Island is a formidable destination for diving and offers some relaxing pursuits such as beachcombing, bird watching, bone-fishing and chilling in a hammock. The Island does not have a town as such, but the only grocery store, gas station, bank and clinic are all located near the Edward Bodden Airfield on the west. South Hole

THE BLUFF (Cayman Brac)

The Island’s gentle ascent eventually leads to the limestone cliffs which are its namesake. A lighthouse crowns the 150ft tall seaside edge of the bluff, providing beautiful ocean views. The birds circling overhead may eventually lead you back inland to the ancient woodlands of the Brac Parrot Reserve. It is home to many endemic flora and fauna species of the Cayman Islands. The Bluff has seen a significant increase in housing developments and it also has the Government owned, Cayman Brac Day Care Centre. Eastern Districts Continue east to Watering Place, Creek and Spot Bay and you’ll find a true Cayman Brac welcome. “Mom and Pop” stores and small local restaurants showcase authentic souvenirs and traditional Caymanian fare. The Cayman Brac Heritage House is located between Creek and Spot Bay and compliments the Cayman Brac Museum, offering reenactments of our country’s past, with displays showing how islanders of the past used natural resources to create houses and tools. There are two primary schools, Creek Primary School and Spot Bay Primary School, in this area.

SOUTH TOWN (Little Cayman)

The Island’s most famous diving destinations, the Bloody Bay Wall and Jackson Wall, are both on the north side of this part and are easily accessible to divers staying at any of the resorts or villas in the area. Paradise Villas is the closest, but there are other good options including the Southern Cross Club, Pirates Point Resort, Little Cayman Beach Resort and The Conch Club. Most of the accommodations are within walking distance of the Edward Bodden Airfield. The Booby Pond is also the only RAMSAR site in the Cayman Islands (an internationally recognised important wetland) and home to the red footed booby bird. The indigenous Sister Islands’ Rock Iguana also roams freely on the island. There is also a Police Station, Clinic, School and Fire Station in South Hole. East Point

STAKE BAY (Cayman Brac)

On the north side, Stake Bay roughly refers to the middle section of the Island. Stake Bay is the capital of the Island and is where you will find the main


EAST POINT (Little Cayman)

Little Cayman is truly little. Ten miles in length and one in width, it harbours a permanent population of fewer than 200. Even though it is a mere blip on

Heading up the road away from South Hole, the Island becomes more and more of a deserted paradise. South Hole Sound is at the border of the two areas,


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In Cayman Brac’s West End you will find the airport, two grocery stores, a gas station and couple of condo complexes in this area. Hence, the north shore of the West End has the highest population of residents on the Island. The famous Russian wreck dive, renamed M.V. Capt. Keith Tibbetts, lies just offshore. The Cayman Islands Department of Tourism Information Centre is located here, as well as West End Primary School (a Government Hurricane Shelter) and the Island’s only airport: Charles Kirkconnell International Airport.

Government building, the hospital, the museum, a grocery store and the Island’s only high school – the highly respected Layman E. Scott Sr. High School.

and the beautiful South Shore provides stunning views on the way to Point of Sand at the eastern end of the Island, where you can gaze across the water towards Cayman Brac. Heading back on the northern side you will pass by Crawl Bay and Jackson Point. Point of Sand is located at the very tip of Little Cayman and is probably one of the most beautiful beaches in the Caribbean. The sea is crystal clear and incredibly inviting. Just don’t swim there after dusk – sharks also love this spot! BUYING A PROPERTY



Buying a property in Cayman has many advantages, not least that if you are staying for some time, mortgages tend to work out cheaper than rents over a three to five-year period. There are no restrictions on foreign ownership of real estate if the property is for personal use and there are no annual property or capital gains taxes. If the property is rented out as an investment, then no tourist tax is payable if the

property is rented to residents (although, if more than two properties are owned for rental, there will be additional licences required, namely a Trade and Business and Local Companies (Control) Law Licence). Cayman’s Land Registry office enables transfers to be relatively quick and simple. Every piece of property is registered under a unique block and parcel number, which means every owner is registered and the Government guarantees the accuracy of the entries recorded at Lands. A potential purchaser may examine the records regarding any piece of property to check whether there are any liens, charges or restrictions on it. Unless stipulated within the covenants for a particular development, there are no time deadlines for building on raw land. The land can be held undeveloped indefinitely and many families are land banking for future generations. Planning approvals are valid for five years following the grant of planning permission. Building time in Cayman is relatively fast and most homes up to 3,500 sq ft can be built within

a six to eight-month period from the commencement of construction. Allowing four to six months for your architect to design and obtain planning approvals and prices, you can expect to be able to design and build a home in just over a year. See the Building a Home chapter for more info. Stamp Duty & Other Charges Stamp duty, which is payable on all real estate transfers and purchases (other than those between close family, aka ‘by love and affection’), is 7.5%. However, a first time Caymanian buyer will pay no stamp duty if the property is below CI$300,000 (2% if it is over CI$300k but does not exceed CI$400k) and is going to be owner occupied. Stamp duty on bare land purchases by first time Caymanian buyers are set at 2% for land that is valued above CI$100k but does not exceed CI$150,000. There are some zoning exceptions. Stamp Duty is paid by the buyer on the purchase price or market value, whichever is higher (as assessed by the Lands and Survey Department), but NOT on chattels purchased with the property. The Duty must be paid within 45 days of a contract being signed. Other typical charges associated with purchasing are described below: > 1% charged on mortgages of less than CI$300,000 and 1.5% on mortgages of CI$300,000 or higher. You should budget up to 1% for legal and registration fees. > When you build a house, there are building permit fees which are charged according to the square footage of the property being built. > When purchasing with bank financing, the bank will require a report on the ‘Market Value’ of the property. Each lender has its own rules but the report will usually need to be prepared by an approved firm of professional valuation surveyors. Aim to pay in the region of CI$400 for this report. Know Your Client/Customer Please keep in mind that the sale or purchase of real estate in the Cayman




Islands constitutes as Relevant Financial Business for the purposes of Cayman’s anti-money laundering measures. As part of the Know Your Client/Customer (KYC) requirement, your real estate agent or any professional acting in relation to a real estate transaction is required by the Cayman Islands Government to collect your identification details such as passport or driver’s license numbers and source of funds (by way of a bank statement), as well as other relevant information to finalise the transaction. If you need further information about this requirement, please contact a legal conveyancing professional.

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Legal Conveyancing Conveyancing is the technical word that is used to describe the way that a property is legally transferred from one person to another. Technically, you can do the conveyancing yourself, but if the property is being bought with a mortgage, your lender will insist that you use a lawyer to confirm that the property is free from any liens or other encumbrances and to draft the appropriate charge documents. A few law firms in Cayman have departments that specialise in conveyancing. Their job will be to prepare the paperwork for your mortgage and property transfer. They check that there are no encumbrances such as a mortgage lien, outstanding strata payments or old and unpaid water bills. They usually charge 1% of the property value unless a different figure has been negotiated. A typical simple transfer of land takes no more than three to four weeks, with registration of the new proprietor at the Land and Survey Department taking place four to six weeks after that.


Stamp Duty Exempts on Furnishings Stamp duty is not charged on the furnishings or chattels of a house. If you are not entirely sure how to calculate the value, then call the Lands and Survey Department on (345) 244 3420 and they will be happy to discuss your situation. Check out their website www.caymanlandinfo.ky.

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planning and the various forms of residency by investment for persons purchasing local real estate. They also provide their clients seamless tax and relocation advice if needed.



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Ritch & Conolly Tel: (345) 949 7366 Email: dritch@rc.com.ky or www.rc.com.ky Ritch & Conolly has been at the forefront of local real estate practice in the Cayman Islands since the 1980s.


Mortgages & Borrowing Most banks and financial institutions in Cayman offer mortgage packages. Interest rates are quoted based on the KYD and USD prime rate published in the Cayman Islands by the retail banks. The prime rate in Cayman normally fluctuates in accordance with changes in the United States Government Federal Reserve rate, also referred to as the “New York Prime Rate”. Banks usually ask for deposits of between 10%–35% as a contribution towards the purchase price or construction cost. Long term interestonly mortgages do not exist in Cayman. Mortgage amortisation terms are normally offered from 15-30 years, but typically not exceeding retirement age. It is worth comparing what kind of deal the different banks will give you, as a variance of 1% or even 0.5% on your interest rate will make an enormous difference. Banks will usually charge between 1-3% above the

prime rate, giving the lower percentage rate to those with the greater deposit. Banks also charge a commitment fee of up to 1% of the loan amount and some charge an early repayment penalty. Establish a meeting with your chosen bank to determine the best possible rate and terms that can be offered. Cayman banks have historically been very cautious when lending money. Insurance Required for Mortgages A Property Insurance Policy collaterally assigned to the bank is required for all mortgages and many banks will also require a Life Insurance Policy so the mortgage can be repaid in the event of death. Your loan officer will advise on their bank’s specific requirements. Cayman Insurance Centre (Tel: (345) 949 4657) sells life insurance. Strata Titles Residential property in Cayman is often sold as part of a strata plan if it is in a condominium or apartment complex. Most countries have the concept of freehold property, where the owner has ownership and responsibility for the land they own and all buildings on it. Strata ownership is less familiar to many people, but very common in Cayman. The following is an explanation of how it works:


If you buy a property which is part of a strata plan, you will have the registered title of the house or apartment that is situated within the property in the plan. You will also own a share and have voting rights in the ‘strata corporation’ which owns all the land in the strata plan including estate roads, communal gardens, shared pools, etc.


The strata corporation has an obligation to insure the strata property and maintain it for the benefit of the owners, along with the right to recover the costs of doing so from them. There will be rules and regulations governing how the strata company is run (known as strata by-laws) and an annually elected committee




that is authorised to run the corporation. Examples of monthly strata fees you might expect to pay are: CI$375 for an inland two bedroom townhouse; CI$650 per month for a three-bedroom inland apartment; and for properties on the water, especially along Seven Mile Beach, you could easily pay between CI$800–CI$1,200 (CI$400 maintenance, CI$350 insurance and CI$65 sewage charge). Your realtor will be able to find the exact strata fees for you.

Blue Point Consultants

BCQS International - Property & Development

Bould Consulting


Tel: (345) 946 6063

2nd Fl, Whitehall House, 238 North Church St

Email: info@bcl.ky or www.bcl.ky

Tel: (345) 949 8644

With over 50 years working throughout the

Email: info@bcqs.com

Caribbean, Bould Consulting Limited is an RICS


regulated firm comprising a team of highly

BCQS is a firm regulated by RICS. They offer

skilled property professionals who provide

a comprehensive range of services, including

a comprehensive range of construction,



development and appraisal services including

quantity surveying, construction management,

market and insurance reinstatement valuations

claims consulting, valuations and appraisals,

and construction monitoring services.

project monitoring and feasibility studies.




Tel: (345) 525 0706 Email: info@bluepointproperty.com www.bluepointproperty.com RICS registered valuer offering property valuations, development appraisals, feasibility studies, acquisitions and disposals, consulting on landlord and tenant issues, property searches, reinstatement cost for insurance purposes and loss adjusting. Specialising in hotels and resorts. SE E AD P R E VIOU S PAG E





Chartered Surveyors Resort, Commercial & Residential Valuation / Appraisal Services


Our experienced and professionally qualified team provide robust land and property valuations at reasonable fees with quick turnaround time, accepted by all lending institutions.

Development Consulting Project & Construction Management Property & Facilities Management Property Valuations Insurance Services Dispute Resolution

Email us on Info@bcl.ky Call us on +1 345 946 6063

JEC is recommended by all banks & lending institutions in Cayman

w w w.bcl.ky Regulated by RICS



www. c a y m a n r e s i d e n t . c o m



Property Valuations & Appraisals Whether applying for a mortgage, or purchasing or selling a property it is customary to instruct an independent valuation surveyor who is a registered valuer, chartered surveyor and member of the RICS (Royal Institute of Chartered Surveyors) to carry out a valuation report. The report provides an independent opinion of value using different methods depending on the type of property. The Valuer will carry out an inspection of the property, take photographs and produce a

report detailing the description, location, leasehold or freehold information, comparable evidence of recent sales, market rental values, and in some instances build costs and land values. It provides a purchaser or owner with invaluable data as well as current market conditions and trends. In addition to meeting the banks requirements, a professionally prepared valuation should also provide the purchaser or owner with the reassurance of what the fair market value of the property is.



Email: alex@quaysidesurveyors.ky

owners had the property sprayed regularly

A1 Plaza Venezia, North Sound Road


for ants, roaches, termites and other pests.

Tel: (345) 623 2772

Chartered Surveyors and RICS Registered

Failing to have done so could put you at risk

Email: info@charterland.ky



for an infestation problem. If you are buying


leasehold valuations, reinstatement valuations

a wooden house, get the house checked for

Services include: Valuations and appraisals,


feasibility studies, quantity surveying and cost

appraisals, residual valuations and landlord and

consulting, plus commercial, residential and




include: purposes,



termites before you buy the property.


Surveys: As a condition of purchase, it is very important that you get a

strata property management.

Pitfalls To Avoid There are various pitfalls you will want to avoid when buying a property in Cayman. Many, such as unpaid strata fees by the previous owner, will be caught by a conveyancing lawyer during title checks. However, there are other pitfalls which are less obvious but equally easy to avoid:

Home Inspection and/or a MEP report

Water Bills: Make sure the final water bill on

your new house will need to be built with

architectural, project management, interior

the property has been paid by the previous

pilings, thus hugely increasing the cost of

design and property management services.

owner. Water companies are under no

building. More information on what the

obligation to reconnect water supply to

technician does, and why it is important, is

DDL Studio Ltd. 2nd Fl, Buckingham Square, West Bay Road Tel: (345) 943 3622 Email: info@ddlstudio.com www.ddlstudio.com DDL Studio Ltd. is a well-established multidisciplinary construction consultancy providing



MEP Report, Home Inspections and Site

valuation and appraisal, quantity surveying,


(Mechanical, Electrical, Plumbing) done on the property before you finalise the sale. Significant problems can reduce the value of the property. If you are purchasing raw land, then a Conditions Site Survey is recommended by a qualified engineer who will assess, among other things, whether

listed in the next section of this chapter.

JEC Property Consultants Ltd.

accounts that have been disconnected

96 Mary Street, George Town

due to non-payment and still have unpaid,

Tel: (345) 945 5930

past-due charges. Renters are also

are buying a condo, a good realtor will

Email: contact@jec.ky or www.jec.ky

encouraged to ensure previous water

request a report from the strata’s property


bills have been paid for by the landlord or


previous tenant prior to moving in.

whether any special assessments are

Air Conditioner Servicing: Check whether

planned on the apartment complex. Special

cost estimates, residual valuations, investment

the property owner has been regularly

assessments may involve considerable

valuations, reinstatement cost valuations

servicing the A/C units. A lack of regular

costs and you might well be able to get the

for insurance purposes, assessment and

maintenance will greatly reduce the life

existing owner to pay for them (or have

negotiation of compensation for compulsory

expectancy of air conditioning condensers

purchase, market rent valuations and valuation

and new systems can cost thousands of

of leaseholds. SEE AD PAGES 149 & 195

dollars. As a condition of the sale, request

a breakdown of the monthly costs of

that the seller have the property’s units

running the property in the summer and

Quayside Surveyors Ltd.

serviced and provide a report on their

in the winter months. It is not uncommon

Unit 2, Bldg B, Cayman Center, Dorcy Drive


for a four-bedroom house on a 1/3 acre

Pest Control: Find out if the previous

(particularly in a windy position) to have




appraisals, home buyers reports, development appraisals and feasibility studies, construction



Tel: (345) 938 0662


Planned Special Assessments: If you




them deduct it from the sale price).


Hidden Costs: Ask your realtor to request

an average water bill of CI$650 per month and an average monthly electricity bill in the region of CI$1,000-CI$1,500+

N' 1 Independent Boutique Real Estate Long Term Rentals & Home Inspections Property management Property Buy/Sell

depending on the month of the year, size of the house and whether the property has been well insulated (if the house has Icynene spray foam insulation in the attic, it will not only significantly reduce your electricity bills but help hold your roof together in the event of a major hurricane).




of land especially canal front property in Grand Cayman. SEL Consulting


Tel: (345) 525 0209


Email: selsam@candw.ky

Comprehensive Home Inspections Include:

Utopia Realty Tel: (345) 325 6372 Email: utopiacaymanrealty@gmai.com www.utopiacaymanrealty.com Utopia Home Inspections is a professional home inspection service provider offering thorough and accurate inspections. They

Property Grounds | Structural & Roofing Interior & Exterior | Electrical and Plumbing Air Conditioning Systems Insulation & Ventilation | Appliances Windows & Doors | Drainage & Waste Disposal

provide inspection services to buyers, sellers

Why Inspect?

and realtors. UHI use traditional inspection

Exclusive Advocate for Buyers Objective Facts About the Home

methods to review the property’s interiors, exteriors,




Know the ‘True Condition’ of the Home Before You Buy

plumbing, insulation and air condition systems before providing clients with a detailed report.

Professionally Licensed in the U.S. & Grand Cayman 19 Years Experience


(345) 936-2454

WestPoint Inspections


Tel: (345) 936 2454 Email: info@westpoint-inspections.com www.westpoint-inspections.com A team of professional general contractors and home inspectors licensed and qualified to operate in the US and the Cayman Islands. They lead comprehensive home inspections, including full examinations of homes, which

Professional Property Management

include structural integrity, exterior and

Avata offers experienced staff to manage your properties.

site, all interior components, appliances and mechanical, electrical and plumbing systems.

Professionally accurate budgeting, forensic accounting and diligent maintenance are the hallmarks of our first-class service from the Avata team.

The company also offers full construction services





Home Inspections & Site Surveys In the UK, it is common practice to have a Chartered Building Survey completed before purchasing a property, whereas in the US you would most likely have a Full Home Inspection done by a licensed home inspector. There are companies that provide both services in the Cayman Islands and it is highly recommended that you have one done when purchasing a home. A Building Condition Survey will include an inspection by a civil or structural engineer who will examine the roof, insulation, flooring and the condition of the walls of your home, as well as other structural areas. They will also check whether your appliances are up to code and will recommend whether a MEP (Mechanical, Electrical and Plumbing) report needs to be done by professional technicians. A Home Inspection conducted by a licensed home inspector will include a full examination which will consist of structural components such as foundations, floors, walls, ceilings, hurricane straps and roof. They will also check all interior components – doors, windows and all appliances, testing the safety and functionality of all items. A licensed home inspector is also qualified to inspect the mechanical, electrical and plumbing systems of the home. An inspection report is then provided, noting all findings, and actions for any required remediation. A similar approach should be taken when purchasing a plot of land; while it may look like the lot is filled properly, it can be overlying soft peat or have other ground conditions which would require you to pile your future property at the cost of tens of thousands of dollars. Therefore, a site investigation is a must. A simple trial pit or more complex borehole test and accompanying report will reveal the build-up of the underlying ground conditions. This technical data can then be utilised by your structural engineer when designing and calculating the foundation structure that is necessary to support your home. In fact, almost all builders will require this report before commencing construction on any parcel



building multi-million dollar homes. SEE AD THIS PAGE

Call or email for a

Property Management Services Property management is an invaluable service on-Island, given the extensive number of property owners who live overseas. A good property management company will market your property, screen prospective tenants, draw up a lease, handle all financial matters, produce monthly reports, handle all maintenance matters and be on call 24/7. Many realtors also offer property management services.

quote or review of your services

947 4747 | info@avatapsl.com www.avatapsl.com


www. c a y m a n r e s i d e n t . c o m


Avata Property Services Ltd.

REM Services

Tel: (345) 947 4747

Locale, Unit C1, 455 West Bay Road, SMB

Email: info@avatapsl.com

Tel: (345) 946 8664


Email: rent@remservices.ky


Cayman’s Accommodation Locator of Choice!







throughout the Caribbean, Avata’s team of

Residential and commercial rental valuations

property professionals in the Cayman Islands

and leasing, vacation rentals, long term rentals,

use their combined skillsets to deliver first-

property advertising and viewings, tenant

class service to their clients. Contact them

vetting and placement, lease and inventory

today for a quote or review of your property


management needs. SEE AD PAGE 151

services including rent collections, inspections




and repairs, strata management, accounting BCQS Property Management

and financial services. SEE AD PAGE 154

2nd Fl, Whitehall House, 238 North Church St.



Tel: (345) 949 9300

THPM Real Estate

Email: tnh@bcqs.com

Unit E2, Cayman Centre


Tel: (345) 949 5134

BCQS specialises in the proactive management

Email: thpm@candw.ky or www.thpm.ky

of commercial and residential properties

Services include: Tenant placement, 24/7

including stratas. They also have an extensive

emergency call service, property advertising

range of residential rental properties available.

and showing, tenant screening, property

Professional services are tailored to meet


a client’s specific property management

agreements and inventory preparation, rent

requirements. SEE AD PAGE 155

collections and bill payments, accounting and




book keeping services. SEE AD THIS PAGE Charterland A1 Plaza Venezia, North Sound Road Tel: (345) 623 2772 Email: info@charterland.ky www.charterland.ky Services include: Commercial, residential and strata




and appraisals, feasibility studies, quantity

Real Estate Sales

surveying and cost management and insurance loss adjusting.


JEC Property Consultants Ltd.

Property Management

96 Mary Street, George Town Tel: (345) 945 5930 Email: contact@jec.ky or www.jec.ky

Relocation Assistance






property management for both residential and commercial properties. Services include: tenant screening and placement, regular property inspections and reporting, management and

T: (345) 949 5134 E:THPM@CANDW.KY

supervision of maintenance contractors, mail collection, arrangement and attendance at AGM/EGMs, strata financial management including estimating yearly budgets, invoicing



and collections, income and expenditure statements etc. SEE AD PAGES 149 & 195


Realtors - Sales When buying a property, it’s more productive to work with one real estate agent. As mentioned before, the Islands’ MLS is run by CIREBA and it ensures the best market coverage to view every property on all three Islands. Depending on your market at home, this may be unusual for some, but this is how it works: a seller will list his/her property with a specific agent, that agent then enters the property details into the MLS which is accessible to all CIREBA agents. In other words, the agent you are comfortable working with will show you all the listings, regardless of with whom they are listed. The agents all cooperate with each other, so there is no need for you to reach out to different offices. The realtors generally work on commission only, so using the time and resources of one realtor and then jumping to another is definitely frowned upon. Realtors will help you gather all the information you require, shortlist properties, take you back

for second viewings, write up an Offer to Purchase, follow through with all your conditions and attend the closing with you. Once you have made an offer, you will need to supply the following information: your passport, driving license, a current utility bill, source of funds letter, mailing address, occupation and date of birth. One of the additional benefits of using a CIREBA realtor is that they know the best lawyers, bankers, surveyors, appraisers, home inspectors, contractors, structural engineers, handymen and property managers. They know the deal makers and the deal killers; the most expensive and the most reasonable; and those who can meet deadlines and those who cannot.

exceptional concierge service in the Cayman Islands real estate market. The team work closely with you to find the right property and price point that suits you best; whether that is a luxury home, a Seven Mile Beach condo, land for development, an oceanfront residence in Cayman Kai or a cottage somewhere else in Grand Cayman, Cayman Brac or Little Cayman. SEE AD PAGE 135 Coldwell Banker Cayman Islands Realty J.C. Calhoun - Broker/Owner Tel: (345) 945 4411 Email: info@cirealty.ky www.coldwellbankercayman.com Coldwell Banker is one of the largest real estate brokerages in the world, established in 49 countries and territories. Operating in Cayman since the ‘80s, Coldwell has offices on all three

Amber Yates - Century 21

Cayman Islands, with knowledgeable agents

Cell: (345) 926 0396 or Office: (345) 949 2100

available and eager to serve their clients.

Email: ayates@century21cayman.com



www.century21cayman.com Crighton Properties

professional in Cayman for over 17 years

Tel: (345) 949 5250 or (345) 945 1313

and is constantly an award-winning Top

Email: info@crightonproperties.com

Performer for Century 21 specialising in a


bespoke service to enable you to find your

Since the early ‘70s, Crighton Properties has

ideal property. Amber has an impressive

provided their clients with expert advice about

portfolio of repeat clientele and will assist you

the local real estate market. They offer an

in making the informed choice on all property

extensive range of real estate options, whether

decisions. Contact her today. SEE AD PAGE 142

you are looking to invest in a beachfront home,

Tropic Centre II Building, Off West Bay Road, Suite #9

Visit our Website


Amber Yates has been a CIREBA Real Estate


canal front lot or investment property. Azure Realty Limited


Utopia Realty offers Home Inspections Service as Certified Professional Home Inspectors and provide you with a thorough and professional, non-intrusive, visual inspection of your home, from roof to foundation.

Tel: (345) 946 2987 Email: info@azurerealtycayman.com

IRG - International Realty Group


Jeremy Hurst – Owner/Broker

Established in 2008, Azure Realty Limited is

Tel: (345) 623 1111

a well-known boutique real estate agency

Email: info@irg.ky

that strives to provide outstanding customer


service to all their clients. They provide

IRG - International Realty Group specialises

distinctive properties for their discerning

in the Cayman Islands’ luxury residential and

clientele and can help with an array of real

commercial real estate investment markets. Our

estate needs. SEE AD PAGE 139

international team of experts provide brokerage,

Services Offered:

Roof & Structural Components Home Exterior & General Interior Plumbing Cooling Equipment Kitchen & Electrical Garage & Grounds

advice and support in relation to: luxury real Cayman Islands Sotheby’s International Realty

estate, luxury resort residences, international

Sheena Conolly – Broker/Owner

relocation, and commercial property investment.

Real Estate Gallery, SMB, Grand Cayman Tel: (345) 623 1234

Kass Coleman – RE/MAX agent

Email: info.cayman@sothebysrealty.ky

Tel: (345) 949 2396


Cell: (345) 916 0378

A professional team of realtors that offer

Email: kass.coleman@remax.ky

Valentino Salvi 345.325. 6372 www.utopiacaymanrealty.com utopiacaymanrealty@gmail.com


www. c a y m a n r e s i d e n t . c o m



THPM Real Estate


Unit E2, Cayman Centre

Kass Coleman has excelled in Cayman real

Tel: (345) 949 5134

estate with RE/MAX for over 26+ years in

Email: thpm@candw.ky or www.thpm.ky

all areas of sales and marketing. Kass is a

A leading real estate agency offering a

“Lifestyle Specialist” and will help you every

bespoke sales service with reduced sales

step of the way when buying or selling your

commission, excellent attention to detail and

property. Let her experience and proven

top customer service. THPM offers a wide

track record work for you.

selection of properties for sale and specialises


in matching the perfect people to their dream Prime Locations Cayman

home, as well as helping vendors get the best

Tel: (345) 640 8880

value from their property.

Email: paul@primelocationscayman.com




Prime Locations Cayman can help you find the

Utopia Realty

perfect home. They combine local knowledge,

Tel: (345) 325 6372

expertise and excellent service to provide a

Email: utopiacaymanrealty@gmai.com

great customer experience. Whether you’re


looking for your first home, an investment

Founded in 2011 by Valentino Salvi, Utopia

property or simply trying to determine whether

Realty is committed to going above and

Cayman is right for you, Prime Locations

beyond for their clients and their real estate

Cayman can provide sound guidance.

needs. Whether purchasing, selling or renting


a property, they will assist you from the


beginning to the very end of the process. Provenance Properties Cayman Islands


Tel: (345) 640 7000




Email: info@provenanceproperties.com

West Indies Brokers


Tel: (345) 943 9400 or Cell: (345) 916 7289

Provenance Properties is the Cayman Islands

Email: info@westindiesbrokers.com

affiliate of Christie’s International Real Estate, a


global leader in luxury real estate. Provenance


Properties specialises in representing luxury

upholding their reputation to achieving the

Grand Cayman real estate, including the

finest investment for their valued customers

exclusive listing for The Residences at Seafire.

worldwide. They specialise in Seven Mile Beach

This boutique brokerage provides exceptional

condos, developer properties, income producing

service and valuable market insights.

properties and estates, as well as premier beach

SEE AD PAGES 11 & 138

and canal front residences.



Cayman Tel: (345) 938 1000

6 The Strand, Seven Mile Beach

New York Tel: 1 (917) 836 9108

Tel: (345) 623 9999

Email: sloane@rhulens.com

Email: cathy@williams2realestate.com



Rhulens is a trusted advisor for clients looking

Williams² is ‘The Powerful Name in Real

to buy, sell or rent residential property.

Estate’ with a team of 17 Real Estate

They offer unbiased advice and exceptional

Agents specialising in buying/selling and

customer service throughout all stages of

renting luxury real estate and has one of

the real estate transaction. Their extensive

the largest sales portfolios in the Cayman

market knowledge and strong negotiating

Islands. Catering to global clients, they have

abilities allow them to achieve the best

an in-house translator who speaks five

possible outcome for their clients. SEE AD PAGE 71








priorities for people moving to the Cayman


Starting Your Search Cayman’s rental inventory is slim and demand continues to increase. There is no central portal so the best place to start your search is by contacting a realtor who specialises in rentals. They will give you a list of what they have available, arrange viewings and even drive you around to see properties. This is also free of charge. Alternatively, you can look on ecaytrade.com and see what rentals are listed there; as of July 2019 it has 389 rentals available. The prices of rentals have increased significantly as the number of available properties has dwindled. Where someone used to be able to find a two bedroom condo in West Bay for CI$1,500 you now cannot get that same property for less than CI$2,000. To manage your expectations, communicate your wish list to a realtor prior to your arrival. Have the following in mind when you contact an agent:


Islands, so you may want to make sure you choose a property which factors in journey times to the office and schools.


want? Many people like to have an extra bedroom for visitors, or even a home office.


Prioritise your wish list prior to the search.

Related Costs In addition to the first month’s rent and deposit, you will have start-up costs related to your new accommodation:


electricity (depending on the size of the landline, cable and/or internet package.


with garden and pool care, pest control A/C. If this is not specified within the lease agreement, enquire prior to signing.


property owner will be responsible for any issues that are not the fault of the tenant i.e. inclement weather, a burst pipe or the A/C

permit has been approved before you start

system failing.


kitchenware and all appliances are supplied,

photos if you have yet to arrive on-Island.

as well as furniture). Prior to signing a lease,

Price range: Rent in Cayman is not as

ask for an inventory list showing everything

affordable as you may be used to and you

that comes with the unit. You will have to be

may have to forgo that beachfront condo or Deposit: The industry standard for a rental

prepared to supplement anything missing.


which do will require an additional non-

month’s rent. E.g. if you lease a property

refundable security deposit, which can be

for CI$1,500/month, your deposit will be

as much as CI$600 per pet (to account for

CI$1,500. In addition to this, the first month’s


a specialised cleaning of the unit done once

rent will be required to be paid in full on or

the tenant has left. Carpets, sofas and

before you take occupancy.

curtains will all be professionally cleaned

Location: Again, be realistic, not everyone

+1 345 949 9300 rentals@bcqs.com

to make sure that no animal hair remains. If

lives within walking distance to the beach

you acquire a pet during your tenancy you

or a shopping centre. A reduction in the commuting time is often one of the top

Pets: A large number of complexes or owners do NOT accept pets. Those

security deposit is equivalent to a full


Furnishings: Most units come furnished. Some may be “fully-furnished” (linens,

you a tour by FaceTime or send additional


Insurance: Insuring personal belongings is the responsibility of the tenant. The

throughout the year so wait until your

extra bedroom to stay within budget.


and servicing of general systems such as

start of the lease and the rates will fluctuate


Maintenance Costs: Most landlords will take care of maintenance costs associated

be advertised until 4 - 6 weeks prior to the

very quickly. Most realtors are willing to give


property) and an estimated CI$150 for a

Landlords can be flexible if you ask and

your search. The current market moves

Utilities Deposit: Estimate approximately CI$100 for water, CI$200-CI$500 for

commence on the first of the month.

months’ rent). Most rentals will not begin to

Lifestyle: You will likely have to compromise on either your location, size, or your budget.

Time-frame: The majority of tenancies

put a security deposit down (typically one

Size: How many bedrooms do you need or

must notify your landlord..


Monthly Costs: You will be expected to pay


www. c a y m a n r e s i d e n t . c o m


water and electricity which will be based on

Tel: (345) 925 3800

or corporate properties in the capital, THPM

consumption, the size of the unit and the

Email: karina.mcdermot@sothebysrealty.ky

offers a comprehensive selection of properties

age of the build. Your realtor will be able to


to clients. THPM also provides full property

give you an estimate on the unit prior to

Karina McDermot is an experienced rental real

management and sales.

signing an agreement. Cable and internet

estate professional who is fluent in both English


may or may not be included in the rental

and Spanish. With a large client base, Karina has

rate. If it is included, it is usually a basic

in-depth industry knowledge to assist you with

The Terraces at Camana Bay

package and you can pay to upgrade.

all your rental enquires.

Dart Real Estate, Camana Bay Tel: (345) 640 4000

Realtors - Rentals For potential renters, the best approach is to email one of the realtors below, make a connection and have them guide you in your search. Please note that each agent or company will have their own rental listings, but they will have access to each other’s, as well as properties listed on Ecaytrade.com. It is recommended that you use one agent in your search for a rental, to ensure there are no crossbookings or miscommunications; realtors work with each other daily to find each other the best match for tenants and owners.

Centre Island Properties

Email: info@camanabay.com

Tel: (345) 326 4790


Email: rge@bcqs.com

An exclusive property in the heart of Camana Bay


owned by Dart Real Estate, The Terraces offer

Centre Island Properties is a premier real estate

residents the ‘work, live and play’ dream. There

company having residential and commercial

are one and two bedroom options available and

properties available for rent in Grand Cayman.

they come with direct access to all of Camana


Bay’s renowned amenities. SEE AD PAGE 137

REM Services Ltd.


Locale, Unit C1, 455 West Bay Road, SMB

6 The Strand, Seven Mile Beach

Tel: (345) 946 8664

Tel: (345) 623 9999

Email: rent@remservices.ky

Email: cathy@williams2realestate.com



REM Services Ltd. is a professional property

Williams² is ‘The Powerful Name in Real Estate’

management company in the Cayman Islands

with a team of 17 Real Estate Agents specialising

with over 35 years’ experience. Providing

in buying/selling and renting luxury real estate

services to clients on Island and overseas,

and has one of the largest sales portfolios in the

REM specialises in residential and commercial

Cayman Islands. Catering to global clients, they

properties and beachside condos. Both short-

have an in-house translator who speaks five

term and long-term rental options are available.



Ritch Realty Ltd. Tel: (345) 949 9838 Email: info@ritchrealty.ky

BCQS Rentals


2nd Fl, Whitehall House, 238 North Church St.

Ritch Realty Ltd. is a leading real estate agency in

Tel: (345) 949 9300

the Cayman Islands specialising in sales, property

Email: rentals@bcqs.com

management and rental properties at premium


locations in Grand Cayman. A family owned

If you’re looking for the ideal apartment or home

business and member of CIREBA, Ritch Realty

to rent over the long-term, talk to the friendly

has been providing real estate services to clients

professionals at BCQS Rentals. With full relocation

since 1991. SEE AD PAGE 153

and tenant placement services, BCQS can help you every step of the way. BCQS Rentals brings

THPM Real Estate

quality tenants and landlords together. Review

Unit E2, Cayman Centre

their website today to see the latest rental listings.

Tel: (345) 949 5134


Email: thpm@candw.ky or www.thpm.ky THPM is a leading real estate agency offering

Cayman Islands Sotheby’s International Realty

personalised services to clients. Whether new to

- Karina McDermot

the island or looking for an new home, a condo




Real Estate Photography Please refer to the Living In Cayman chapter. Temporary Accommodation Many companies offer new employees two to four weeks of temporary accommodation to assist with relocation. The 10% tourist tax will not be added to your hotel bill on presentation of your work permit. Options include: Sunshine Suites (Tel: (345) 949 3000), Comfort Suites (Tel: (345) 945 7300) and Shangri-La bed and breakfast (Tel: (345) 526 1170). There is also a growing number of property owners who are using Airbnb to advertise locally available condos and guest houses.




What to Expect In Cayman there are family homes, townhouses, condominiums, apartment complexes or rooms/apartments carved out of larger houses all available for rent. The most common type of properties available are two-bedroom condos or townhouses for which owners are looking for long-term tenants (1-year+ leases).

Tell them you saw it in the


Photos courtesy of Deep Blue Images, Austin Conolly and Rebecca Davidson Photography.

in Cayman

A list of professional services to make Island life easier, including babysitters, beauty salons, dry cleaners, postal services and more.


Babysitters & Nannies A reputable babysitting company should be licensed, insured and have staff trained in CPR and first aid. For a good babysitting service you can expect to pay between CI$10-CI$14 per hour (extra for more than one child). Hourly, daily or weekly rates can be negotiated for cleaning, as well as childcare. Although babysitters can be found by word-of-mouth, below we have listed some reputable companies. More information on hiring a fulltime domestic helper or nanny can be found in the Running Your Home chapter and in our sister publication, Cayman Parent (www. caymanparent.com).

157 158 158 158 159 160 160 160 160 162 162 163 163 164 164 164 165



here is an abundance of highly skilled professionals and exceptional services available on-Island, from internationally trained hairdressers and photographers, to hard working beauticians and reliable event planners. In this chapter there is useful information on taking care of your family, postal and courier services, as well as ways to keep up with the latest local news. For home related services like air conditioning technicians, house cleaners and plumbers, see the Running Your Home chapter.

- Babysitters & Nannies - Bicycle Repairs - Car Wash - Day Spas, Hair & Beauty Salons - Dry Cleaning, Laundry & Tailors - Event Planners & Party Rentals - Florists - Key Cutting/Locksmiths - Local Media/Radio Stations - Notary Public - Photographers - Photo Processing Studios - Postal Services - Courier Services - Printing & Copying - Purchasing Overseas - Storage Units & Warehouse Space

whether it is part-time or full-time. If you require a full-time domestic helper or caregiver, they can source, interview, and train a trustworthy and hardworking employee for you for a finder’s fee, who you can then employ on your own terms. Their rates are very competitive.

AAA Caregivers

Best Home Care Agency

Tel: (345) 916 5925 or (345) 926 1601

Tel: (345) 947 2297 or (345) 926 2297

Email: aaacaregivers@candw.ky or www.aaacaregivers.ky

Email: bhc@candw.ky

They are a home care service agency whose staff are trained in first aid/

Started in 1988, Best Home Care Agency offers professional childcare

CPR, housekeeping, childcare and safety. Staff members are assigned

and babysitting services as well as housekeeping services. The agency

based on the suitability to your family’s needs. The cost of the service

cares for its employees in a family atmosphere to ensure it provides you

is dependent on the amount of cleaning and childcare to be done and

with staff you can trust. SE E AD PAG E 346


www. c a y m a n r e s i d e n t . c o m


K&A Services and Janitorial

Bicycle Repairs

Body Works

Tel: (345) 326 3379

Cayman Mobile Bike Repairs

Queens Court Plaza, West Bay Road

Email: assist@kandaservices.ky

Tel: (345) 936 8385 or (345) 525 2020

Tel: (345) 945 6485


A mobile bike repair company that also

Offers massages, facials, waxing, pedicures

K&A Services and Janitorial provides residential

sells bicycles, Shimano and Garmin bicycle

and manicures.

and commercial cleaning including carpet,

computers, shoes, jerseys, shorts and helmets.

upholstery, windows, power wash, tile and grout

Da Vinci Centre for Wellness

cleaning. Scheduled cleaning can be arranged

Uncle Bill’s Home Improvement Centre

and Alternative Therapies

to accommodate daily, weekly, fortnightly and

343 Eastern Ave, George Town

Park Place, West Bay Road

monthly visits. Customer service and attention

As well as bike repairs they sell a variety of

Tel: (345) 943 2002

to detail are their greatest strengths, as well as

bike-related products, accessories, lights and

Email: info@davinciwellnesscentre.com

being dependable and efficient.

repair kits.

Book: www.davinciwellnesscentre.com Services include: Chiropractic, Physiotherapy,

Car Wash The hot sun and salt air can be damaging for automobiles. Washing your car on a regular basis will help the resale value and extend the life of your car. Cayman’s only automated car wash, The Auto Spa (Tel: (345) 943 1946) is located off Godfrey Nixon Way. Refer to the Transportation chapter to learn more.


Cellular Therapy, Sleep Evaluation, Women’s Health, Men’s Health, Candela Laser, Laser Hair





Laser Skin Treatments, Body Contouring, Acupuncture, Chinese Medicine, Aesthetic Medicine, Therapy,

Botox/Juvéderm, Mesotherapy,





Sclerotherapy, therapy,





HydraFacials, Microdermabrasion, Chemical

Cleaning Services See the Running Your Home chapter.

peels, IVF support/infertility, and smoking

Gentleman’s Cut & Finish Classic Straight Razor Shaves Beard & Moustache Trims Manicure & Pedicure | Facials Customized Massages | Waxing Trimming & Taming Exclusive Products Shave Sets & Razors

Day Spas, Hair & Beauty Salons Whether you’re looking to get massages, manicures, pedicures, facials, haircuts or other beauty treatments, Cayman has a great selection of service providers. It is customary to leave a tip of 15% or more.

Eclipze Hair Design & Day Spa

info@mancavecayman.com www.mancavecayman.com

Beyond Basics Medical Day Spa

Redefined Traditional Men’s Grooming & Spa Services

cessation. SE E AD PAG E S 336, 337 & 340

South Market Street, Camana Bay Tel: (345) 945 1188 or (345) 916 7274 Get Nailed Caribbean Plaza, West Bay Road Tel: (345) 943 3836

Caribbean Plaza, Seven Mile Beach,West Bay Road

345 943 (CAVE) 2283

3rd Floor, Tomlinson Building

Halo Hair Studio

Corner of Walkers and Hospital Road, GT

72 North Church Street, George Town

Tel: (345) 945 2737

Tel: (345) 623 5437

www.beyondbasics.ky Hibiscus Spa at the Westin Grand Cayman Seven Mile Beach Resort West Bay Road Tel: (345) 945 3800 www.westingrandcayman.com


Treatments range from 30 minutes to four hour


packages using Kerstin Florian, Intraceuticals, HydraFacial and Pure Fiji face and body products.

(345) 949-8809

Treatments include massage therapies, couples massages, nail services, facials, acupuncture and other body treatments.

Cutting • Perming • Colouring • Highlights • Braiding • Relaxer • Acrylic Nails • Manicures Massage • Pedicures • Waxing • Facials • Eyelash & Eyebrow Tinting 158



InSPAration Cayman

Tips ‘N’ Toes

and treatments, highlights, lowlights, tinting,

Tel: (345) 927 8346

Bayshore Mall, South Church Street, GT

waxing, full body treatments, massages, spray

A mobile spa offering treatments at your home,

Tel: (345) 943 8637

tanning, acrylic nails, manicures and pedicures.

condo or hotel.

Facials, massages, nail services, body treatments,

They also offer a variety of Keratin treatments.

microneedling and microblading.


60 Tanager Way, off West Bay Road, SMB

Rock Gorgeous Hair

Touch of Thai

Tel: (345) 746 4040

1st Floor, Coconut Plaza, West Bay Road

Park Place, West Bay Road


Tel: (345) 925 4231

Tel: (345) 949 8989

Services include: massage therapy, body

Email: info@rockgorgeoushair.com

treatments, facials, manicures, pedicures, plus a

Book online: www.rockgorgeoushair.com

Utopia Salon

steam room, co-ed Jacuzzi and traditional Turkish

Located between the Ritz and the Strand and

Caribbean Plaza, West Bay Road


behind Edoardo’s restaurant, their international

Tel: (345) 749 8876

The Spa at Seafire (Kimpton)

team from Canada and the US are known for their colour work, event hair and make-up,


West Bay Road

bridal services and hair extensions. They have a

Unit 8 Seven Mile Shops, West Bay Road

Tel: (345) 815 6900

‘Braid Bar’ offered throughout the day starting

Tel: (345) 947 1897


at just CI$35, and a Happy Hour ‘GlamBar’ which

An exclusive luxury spa providing a full range

offers express services on makeup and styling

Vanity Hair and Nail

of services that include signature facials,

Tuesday-Friday 9am-10am and 1pm-3pm. Book

Unit 1, Midtown Plaza, George Town

massages and body treatments featuring the

in for the full experience and sip on some bubbly

Tel: (345) 949 7929

world-renowned spa’s luxurious techniques

or a cappuccino and let their talented artists

and products. Arrive early to relax in the

leave you looking “Rock Gorgeous!”. They also

serene lounge room or replenish in the Jacuzzi

have a second location in Orlando, Florida.

and steam room. The spa offers a wide selection of La Prairie beauty products for sale.

Scalp Aesthetics

Treatments range from 45 minutes to a full day

130 Keturah Street, Walkers Road

of services.

Tel: (345) 949 2944 or (345) 917 6262

Madison One Salon

Spa Esprit Hair Design & Day Spa

25 Earth Close, Off West Bay Road

The Strand Shopping Plaza, West Bay Road

Tel: (345) 525 0813

Tel: (345) 945 4334


Dry Cleaning, Laundry Services & Tailors There are several dry cleaners on the Island that are fully equipped to deal with shirts, pants, dresses, bedspreads, sofa slipcovers, rugs and more. In addition to several tailoring stores in Cayman, many of the dry cleaners also offer an alteration and repair service for minor issues. Classy Tailoring

Sue Tyrrell specialises in colour work. Styles Hair Salon & Spa

Nevlaw Building, Shedden Road

Man Cave

West Shore Centre, West Bay Road

Tel: (345) 946 9283 or (345) 924 6917

Caribbean Plaza, West Bay Road

Tel: (345) 949 8809

Tel: (345) 943 2283

Facebook: Styles Beauty Salon and Spa

Fluff ‘N’ Fold

Email: info@mancavecayman.com

Services include: unisex hair cutting, colouring

65 Market Street, Camana Bay

www.mancavecayman.com A men’s salon and spa, offering traditional men’s grooming services in an atmosphere that is comfortable, relaxed, masculine and therapeutic. Their menu of services include traditional gentleman’s cut and finish, classic straight razor shaves, beard and moustache trims, manicure, pedicure, massages, waxing and facials. Relax in their lounge, enjoy their exclusive products,

43 Vibert Bodden Drive

shave sets and razors. You will be sure to leave feeling relaxed and rejuvenated. SE E AD OP P OSI T E PAG E


www. c a y m a n r e s i d e n t . c o m



La Prairie Spa, The Ritz-Carlton, Grand Cayman

Tel: (345) 943 5833

AI Rentals

Cayman’s only certified eco-friendly dry

17 Lancaster Crescent, Industrial Park

cleaning and laundry service provider. Free

Tel: (345) 946 4935 or www.ai-rentals.com

pick-up and delivery is available within the George Town and Seven Mile Beach areas.

Every Last Detail

Laundromats/Launderette Laundromats are a convenient solution if you do not have a washer and dryer or if you need to wash bulky items. They are usually open daily and accept CI quarters.

Tel: (345) 321 8227 Island Cleaners

Offers event planning services for all events.



C.A.R.T.S. Laundry Barnes Centre, Walkers Road, George Town

43 Vibert Bodden Drive, George Town

Tel: (345) 949 0361

Tel: (345) 949 5391

Massive Equipment Rental & Sales

Email: islandcleaners@candw.ky

Tel: (345) 949 7990



Fluff ‘N’ Fold Laundry Services


Massive offers a huge selection of inventory

65 Market Street, Camana Bay

Island Cleaners offer a full laundry and dry

including: Audio/visual/lighting, tables, chairs,

Tel: (345) 943 5833

cleaning service for clothing and household


items such as duvets, bed linen, comforters

glassware, food service items, special effects,

Island Cleaners

and more. You can visit their shop or take

staging, dance floors, tents and more. Delivery

43 Vibert Bodden Drive, George Town

advantage of their free pick-up and delivery

and collection from any location on-Island.

Tel: (345) 949 5391




Island Cleaners offer a Fluff and Fold service by

service to your home or office. They also offer an alteration service, from replacing buttons to


the pound. They will sort, clean, dry and neatly

re-sizing garments. SE E AD PAG E 159

Celebrations Ltd.

fold your laundry for only CI$1.50 per pound.

Building C, Kingbird Warehouse Park


Puritan Cleaners

Tel: (345) 623 2044

Four locations: two in George Town, one in


Super Suds Laundromat

West Bay and one in Savannah.

Flower arrangements of freshly cut flowers for

553 Odessa Plaza, Bodden Town

Tel: (345) 949 7104

every occasion.

Tel: (345) 916 4719

Smith Road Sewing & Supplies

Every Bloomin’ Thing (EBT)

Smith Road Plaza, Smith Road, George Town

384 Crewe Road, George Town

Local Radio Stations

Tel: (345) 949 8407

Tel: (345) 945 1701

Big Fish 95.5 FM

Alterations and intricate tailoring jobs.


Contemporary Christian music with teaching

A full-service floral shop, landscaping company,


Super Stitch


garden centre, gift shop and tea room.

Suite #39, Pasadora Place, Smith Road

Bob FM 94.9

Tel: (345) 949 2833

Trisha’s Roses

Offers fabrics, arts, crafts and sewing supplies,

266 North Church Street, Waterfront

as well as carrying out a tailoring and dress

Tel: (345) 949 2423

Breeze 105.3 FM

making service within the store.


Playing pop, Latin, reggae, religious and

They create arrangements for all occasions.

country. Available in Cayman Brac on 93.9 FM.

Key Cutting/Locksmiths Most home centres offer a key cutting service, however, the following two companies have dedicated locksmiths:


Event Planners & Party Rentals Most of the big hotels and larger restaurants on Grand Cayman such as Caribbean Club and Cracked Conch (Tel: (345) 945 5217) offer event planning as part of their packages. For wedding planners, see the Getting Married chapter. For catering, see the Food & Drink chapter. For party stores, see the Shopping chapter. For event planning services and equipment rental, contact the following:

Bob FM plays the best of the 80s and 90s.

Playing classic rock and new rock. Featuring artists such as U2, Led Zeppelin, Green Day, Guns N’ Roses, Red Hot Chili Peppers, Rolling Stones and The Who. SE E AD OP P OSI T E PAG E

Choice Professional Locksmiths Tel: (345) 928 6659

HOT 104.1 FM Playing a mix of reggae, dancehall, reggaeton,

The Security Centre Limited

soca and gospel. Featuring artists such as Bob

Tel: (345) 949 7441

Marley, Machel Montano, Beanie Man, Movado, Fay-Ann Lyons, Elephant Man and Lady Saw. SE E AD OP P OSI T E PAG E




ICCI 101.1 FM A college radio station whose mandate is to train future broadcasting professionals. Irie 98.9 FM Broadcasting the sound of the Caribbean with a variety of soca, reggae and dancehall. KISS 106.1 FM Playing adult contemporary from the 70s to today. Kiss 106.1 has Cayman’s best variety of music with tracks that are sure to appeal to everyone. SE E AD PAG E 161 Praise 87.9 FM Christian






Conference of Seventh-Day Adventists.


Radio Cayman 89.9 FM

Local News - Online & Print The online news-based websites cover local news to a high standard. These include CNS Business (www.cnsbusiness.com), Cayman News Service (www.caymannewsservice. com), Loop Cayman (www.loopcayman. com) and Cayman Marl Road (www. caymanmarlroad.com). In regard to printed newspapers the Cayman Compass (www.caymancompass. com) is published Monday-Friday, and can be purchased for 50¢ on Monday-Thursday and 75¢ on Fridays from the supermarkets and gas stations. Once a month a broadsheet newspaper called The Cayman Islands Journal is also published. There is a free newspaper called the Caymanian Times (www.caymaniantimes.ky) which is printed on Mondays, Wednesdays and Fridays.

A Government-owned station featuring local and international news (BBC), talk-shows and music. Available in the Sister Islands on 93.9 FM.


They host the morning show ‘Business Buzz’ with Sabrina Turner on Tuesday and Thursday. Rooster 101.9 FM Plays country music and hosts a very popular political morning talk show called ‘Cayman Crosstalk’. Also available in the Sister Islands. Spin 94.9 FM Plays a range of music from the top 40 to dance, and hip-hop to rock. Star 92.7 FM Playing pop, rap, rock, hip-hop, trance, electro house and country. 107.9 FM Weather

heights and tides. X107.1 FM Playing the international Top 40 hits. Featuring artists such as Ed Sheeran, Justin Bieber, Drake, Rihanna and more. SE E AD PAG E 161 Z99.9 FM Plays the latest pop hits. They also have a very popular morning show called ‘On Air’. 162



Photographers BabyLove Newborn Photography Email: info@babylove.ky www.babylove.ky Photographer Renée Donaldson specialises in maternity, fresh 48 hours and newborn photography both indoors and throughout Cayman’s





packed schedule of photoshoots, she has photographed hundreds of Cayman’s littlest residents, often within the first 48 hours of being born, or in the first few days of their birth. See her BabyLove Facebook page. She captures the magical innocence of a newborn through her unique and timeless photography. SE E AD PAG E 349

Local Television Stations Currently, there are two free television stations in Cayman: Trinity Broadcast Network (channel 21 over-the-air and 41 on Logic) and the Seventh Day Adventist Network (channel 30 over-the-air and Logic channel 42). In September 2019 the Island’s only independent news station, Cayman 27, ceased operations. As this publication goes to print, no replacement news network has been announced. Other television stations include the Cayman Islands Government Television, CIGTV, (C3 channel 3 and Logic channel 23), Cayman Life TV (Logic channel 33) and Discover Cayman (Logic channel 27 and C3 channel 2) which provides information for visitors and locals on activities, events and dining out in the Cayman Islands.

Cayman Photographers by Cathy Church’s Photo Centre Sunset House Hotel, South Church Street, GT Tel: (345) 949 7415 info@caymanweddingphotographers.com www.caymanphotographers.com Cathy Church and a staff of dedicated photographers can video or photograph every occasion from weddings and underwater birthdays to real estate and corporate projects. SE E AD PAG E S 228, 272 & 354

Creations Unlimited Eucalyptus Building, Shedden Road, GT Tel: (345) 326 1557 Email: lucy@creations.ky www.creations.ky A team of talented photographers with over 20 years’ experience in capturing stunning

Features a recording (updated hourly) of the temperature, rain probability, humidity, wave

stamp. Alternatively, call either Baysyde Biz on (345) 917 5756 or Joy Basdeo MBE, JP on (345) 949 9933.

Notary Public For the purpose of a work permit application, a bank account application or any other reason when you may need your identity verified, you will need a Cayman Islands Notary Public to certify that the document is an authentic and correct copy of the original. You can find a list of all licensed and active notaries on the Judicial website: www.judicial.ky/general-public/notariespublic. The standard charge is CI$30 per

images. From baby bump photos, through to children and family shoots, to beautiful Cayman weddings and stunning underwater shots, they have the ideas and the enthusiasm to capture memories that you will treasure forever. They also sell canvas prints and much more. Daria Keenan Tel: (345) 925 6695 www.dariakeenan.com An award winning family and newborn

children and parents at ease in front of her camera.

Photo Processing Studios As far as we know, Rainbow Photo in Elizabethan Square, Shedden Road (Tel: (345) 945 2046) is the only photo studio that still develops film. They will also scan your old negatives onto CDs for you.

Deep Blue Images/Julie Corsetti

Cathy Church’s Photo Centre & Gallery

Tel: (345) 916 0016

Sunset House Hotel, South Church Street, GT

Email: info@deepblueimages.com

Tel: (345) 949 7415

Deep Blue Images specialises in wedding,


family, children, events and underwater

Offers printing on canvas, photo and watercolour

photography. They also offer basic to advanced

papers, up to 58” x 6” or more. As well as framing,


professional retouching, quality canvas stretching

photographer, photographing families in Grand Cayman since 2014. With every shoot, she aims to capture genuine expressions and joyful moments all during the beautiful sunset hour. She is most known for her high energy and ability to put




photographers offer a wide range of creative

and high-res art reproduction.

and personalised photographic services. They

SE E AD PAG E S 228, 272 & 354

also provide modern, chic and unique, corporate and wedding videography.

Picture This Studios Suite 3117, 45 Market Street, Camana Bay Tel: (345) 943 3686

Suite 3117, 45 Market Street, Camana Bay

Email: admin@picturethis.ky

Tel: (345) 943 3686


Email: admin@picturethis.ky

Picture This Studios has a state-of-the-art photo


processing facility which will take images and turn

A talented team of experienced photographers

them into works of art. With a range of canvas,

who specialise in wedding, family and lifestyle

high quality photo paper, metal and customised

photography, as well as cinematography.

frames, Picture This Studios can bring your

The creative team of photographers and

vision to life no matter what the size. The Studio

cinematographers can capture your special

in Camana Bay also handles passport and work

moments whether at the beach, at home, at a

permit photos in minutes. SE E AD PAG E S 178 & 355

wedding reception or in the studio. Picture This Studios are also well versed in creating stunning images for homes, rentals and commercial properties. Whether you are selling or renting a property as an individual or real estate agent, contact Picture This Studios to see how they can assist you. SE E AD PAG E S 178 & 355 Rebecca Davidson Photography Tel: (345) 916 1654 Email: wedding@rebeccadavidson.com www.rebeccadavidson.com A talented photographer with over 16 years’ experience in capturing stunning images. Rebecca has the expertise and the enthusiasm to capture memories that you will treasure forever. Specialising in weddings, Rebecca’s fun style puts everyone at ease allowing her to capture love and laughter in the most natural way. SE E AD PAG E 354


Postal services in Cayman are fast and efficient with the turnaround time for local mail usually being 24 hours. There is no postal mail delivery to houses and businesses, so alternatively PO Boxes are used. There are nine post offices and numerous blue mailboxes located throughout the Islands. The largest post office branches are the Airport (APO), central George Town (GPO) and Seven Mile Beach (SMB), but there are also post offices in Savannah, Bodden Town, North Side, East End, Hell and West Bay. The APO and GPO open from 8.15am5pm Monday-Friday and all other post offices are open from 8.30am-5pm Monday-Friday. Some offices are open on a Saturday from 9am-12.30pm, except

Postage Costs Overseas Mail: Airmail is zoned according to its destination and charged by weight. A postage calculator is available on the website: www.caymanpost.gov.ky. >> US, Canada and Central America: CI$0.75 per half ounce. >> UK and South America: CI$0.80 per half ounce. >> Asia, South Africa and Australia: CI$1 per half ounce. There is also a ‘printed matter only’ rate available for overseas mail. Mail is dispatched daily but must be in the mailbox by 3pm. The Post Office also offers an Express Mail Service (EMS) which delivers packages to 177 countries. Call (345) 949 6777 for more information. All incoming parcels are subject to duty and you will receive a notice in your mailbox when a parcel has arrived. If you prefer, you can request that the notice be sent to you by email by sending the tracking number and invoice to parcelpost@gov. ky. The CIPS delivers trackable items to street addresses on request for an additional fee. To schedule a delivery, use the link on the Contact Us page of their website (www.caymanpost.gov.ky) or email: parcelpost@gov.ky and include the item’s identifier number and delivery address details. An example of the correct way to address mail or a parcel to Cayman is listed below. Please note it is a requirement that a PO Box number as well as a postal code is always used on a letter mailed to the Cayman Islands unless coming by courier. Mr. Cayman Resident PO Box 31403 Grand Cayman KY1-1206 CAYMAN ISLANDS

Please note: do not solely write George Town on the envelope, as there are dozens of ‘George Towns’ and ‘Georgetowns’ around


www. c a y m a n r e s i d e n t . c o m




Picture This Studios

for the post offices in Hell, Bodden Town, North Side and East End, which remain closed on the weekend.

the world and its use can cause confusion.

a CI$5 package tax and a CI$5 warehouse fee are applied. Some couriers also charge a CI$8 clearance fee.

Private Mailbox Services Mail Boxes Etc.

49 Hospital Road, George Town

Market Street, Camana Bay

Express Mail Service (EMS)

Tel: (345) 745 1400

Tel: (345) 949 6777

Mail Boxes Etc.

Email: info@mbe.ky or www.mbe.ky

A cost effective way to ship parcels through

Market Street, Camana Bay

Services include: Private mail boxes (with

the local post office.

Tel: (345) 745 1400 Email: info@mbe.ky or visit www.mbe.ky

accessible 24/7), mail holding and forwarding,

DHL International (Cayman) Ltd.

A one-stop shop for printing services,

packing and shipping and a US address service

131 Warehouse Centre, Maclendon Drive, GT

including digital colour and black and white

- useful for imports and online shopping.

Tel: (345) 949 8575

copies, binding, laminating, etc. They print

They also offer passport photos and printing

Email: dhlkysales@dhl.com

business cards, brochures, flyers, invitations,

services such as digital colour and black and


plus more. They also do passport photos, are

white copies, binding and laminating. They are

Provides a fast and reliable next-day

an authorised shipping centre for DHL, FedEx

an authorised shipping centre for DHL, FedEx

delivery service by air. Online booking and

and UPS and rent out mail boxes.

and UPS, and also offer full postal services.

tracking available.

They are open from Monday-Friday 9amFedEx Express

6pm and Saturday from 9am-5pm.

Tel: (345) 949 5911


Cayman Business Machines Tel: (345) 949 8642

a local Cayman street address which are


Printing & Copying

Courier Services International courier services to and from the Island are extremely reliable. A CI$2 government tax is charged on all packages leaving via courier. When packages arrive

UPS (United Parcel Service) Tel: (345) 949 8771

Box Buddies On Demand Storage and Moving

Storage Only pay for as much space you need!


Storage totes available for small items or pay by the cubic foot for large items.

Tote Pickup Pickup Tote and and Delivery Delivery Moving teams available upon request.

Let’’ss Be Box Buddi Buddies! Be Box es! Let


info@boxbuddies.ky 164





per month


Purchasing Overseas Visitors and residents arriving in Cayman do not have to declare their goods purchased overseas if they do not exceed the CI$500 goods allowance or the alcohol and tobacco quotas. Keep in mind that a lot of online retailers do not ship to Cayman and if they do, shipping costs will be high. Most banks on Island will allow you to add an additional address to your cards which will allow you to shop at online retailers that do not accept Cayman addresses. Contact any of the companies listed below for their shipping rates to avoid these high fees. They can ship anything you buy in the US to Grand Cayman, including large bulky items, such as furniture, TVs or large toys, as well as smaller items, such as clothes, letters and magazines. These companies will provide you with an address in the US and will then forward the package to Cayman from there. Some will also clear the packages through customs and deliver to your work or home address. CICA Tel: (345) 949 2350 Mail Boxes Etc. Tel: (345) 745 1400 Miracle Brokers Tel: (345) 949 5989 Seaboard Marine Tel: (345) 949 4977 Sta-Mar Enterprises Tel: (345) 949 2399

Shoe Repair No. 1 Shoe Shop Tel: (345) 949 5595

Mini Warehouse 2 Ltd

3’ to 10’ x 20’) at two locations: Canal Point

246A Industrial Park, George Town

across from the Strand on West Bay Road,

PO Box 11637 APO


Grand Cayman, KY1-1009

and the Airport Industrial Park, which also

Tel: (345) 949 7750

offers climate-controlled and non-climate-

Email: miniwarehouse2info@candw.ky

controlled units ranging in size from 5’ x


5’ to 20’ x 20’. Prices range from CI$69 to

Mini Warehouse 2 is the oldest and largest

CI$1,500 per month. SEE AD THIS PAGE

Box Buddies

self-storage facility on Grand Cayman.

Building 6, GKF Business Park,

Their climate-controlled units are secure

Godfrey Nixon Way, George Town

with state-of-the-art security. Climate-

Tel: (345) 526 2697

controlled units are available (in sizes 4’ x





Storage Units & Warehouse Space Choose from a wide range of sizes and a choice of air conditioned or non-air conditioned units. Most units have 24-hour security monitoring. The companies listed below have multiple fully-managed warehouses.

Tell them you saw it in the

Email: info@boxbuddies.ky www.boxbuddies.ky Box Buddies aims to take the hassle out of storing and moving your personal belongings. They offer standard sized packing boxes that are stored in our 24-hour


surveillance facility. Utilising industrial grade storage totes, you have the ability to store as much as you want in both non-climate and climate controlled storage. Box Buddies also has a fully equipped moving crew that


will deliver boxes for your packing and then return to collect them. Just tell them how many boxes you would like and they will deliver them at your request. SEE AD OPPOSITE PAGE

Heritage Holdings Ltd. Barcadere, Kingbird and Universal Warehouse Parks Tel: (345) 945 4202 or (345) 943 4929 Email: info@heritageholdings.ky www.heritageholdings.ky Heritage Holdings Ltd. is one of Cayman’s leading




specialising in Property and Warehouse Management Services. Completed projects include Centennial Towers, Countryside Shopping Village and Kingbird I & II, Barcadere I & II and Universal Warehouse Parks. Warehouses are well managed, have 24 hour surveillance and are available in 1250, 625 or 312sq ft units. The new 2nd floor at Barcadere II is accessible via a cargo elevator and offers a unique space for an office, studio or storage across from George Town Yacht Club. SE E AD PAG E S 73


www. c a y m a n r e s i d e n t . c o m


Running your


Photos courtesy of John Doak, Jonathan Sparrow and Monika Wotjkiewicz.

How to maintain your home, pool and garden, organise domestic help and assess your monthly costs of living in Cayman.



Maintaining Your Home 166 - Air Conditioning 166 - Electricians 167 - Home Security 167 - Pest Control 167 - Set-Up & Monthly Living Costs 168 - Quarterly Spraying 168 - Painting & General Maintenance 169 - Plumbers 169 - Recycling 169 Cleaning Services & Domestic Help 170


Maintaining Your Garden - Landscaping - Plant Trees - Lawn Maintenance - Sargassum Removal - Pool Maintenance

171 171 171 171 172 172

Sewage & Wastewater Treatment


Waste Disposal





Many find that the quality of services, selection of homeware stores and the expert contractors found on Grand Cayman compares to those of major cities in North America. From furniture stores and carpenters, to home security companies and landscapers, Cayman living can be a breeze. But there’s just one catch – living in paradise is not cheap! Almost everything that you may want for your home must be imported from overseas. Luckily, there are ways to avoid financial haemorrhage when maintaining your home: ask your friends for recommendations and shop around before choosing a contractor or service provider to ensure that you’re finding the best rates. Air Conditioning Air conditioning is an expensive necessity on-Island and can have the biggest impact on your electricity bill. Keeping the temperature at the highest setting you feel comfortable with will help reduce costs, as well as using an overhead fan, especially during the winter months when a fan may be all you need in the mornings and evenings. You can also save electricity by closing windows and curtains during the day, making sure your air filters are clean and that your home is well insulated. Finally, ensure that you have your air conditioning unit regularly maintained by a professional company to maximise its efficiency. There are ample air conditioning contractors to choose from. When selecting an

air conditioning system, presuming you are getting a new one, make sure that the system has a high Seasonal Energy Efficiency Rating (SEER). This can make a big difference to your energy consumption. Also, choose a system that is suitable to the area that you are seeking to keep cool – as certain systems are either too large or not adequate enough for the space you want to cool. An experienced licensed professional can advise you.

culinary appliances, cabinets and a variety of kitchenware: blenders, juicers and accessories. Brands include Bosch, Thermador, Smeg, Liebherr and Le Creuset cookware. They also have a busy schedule of interactive cooking classes for all levels of ability. Market Street, Camana Bay. Tel: (345) 623 2665, email: info@ bonvivant.ky or visit www.bonvivant.ky. SEE AD PAGES 191 & 235

away on holiday for an extended period, have a friend or a neighbour check on your home periodically. For added protection, you can also have an alarm system installed in your home, which can then be connected to a security company. There are a number of security companies across the Island that can advise you on beefing up your home security. Here is one option:

BrandSource Home Gallery Carries a large selection of major appliance

The Security Centre Limited

Air Conditioning Contractors Below are a few local contractors who can advise, install, maintain and repair A/C systems. Although the cost of quarterly maintenance is often similar, some companies will include the cost of new filters, whereas others won’t.

brands such as GE, Profile, Café, Monogram, LG,

Tel: (345) 949 0004

Androgroup Ltd.


Tel: (345) 949 8000 (24-hour service)

Androgroup Ltd.

Samsung, Frigidaire, Electrolux, Icon, Fisher & Paykel, DCS, Danby, Haier, Beko, Thor, U-Line, Foster Milano, Zephyr and more. They provide installation, repair and parts for all brands of appliances. 209 Dorcy Drive, Industrial Park, Tel: (345) 623 5000.

Tel: (345) 945 7167

DP Economy Services Ltd. They specialise in providing general home/

Mould Remediation, Decontamination & A/C Duct Cleaning & Sanitation Life in the tropics often means that A/C ducts and vents will be susceptible to mould and bacteria growth if they are not regularly inspected and thoroughly cleaned by a trained professional.

building repairs, electrical work, complete

EcoSmart Cooling Ltd.

Home Security While Cayman enjoys one of the lowest crime rates in the Caribbean, burglaries do occur. The majority of burglaries are crimes of opportunity and occur at residences when no one is at home, the entry is concealed and easy to access. It is suggested that you lock all doors and windows, particularly when you are not at home. There is a lock which is unpickable called the ‘multi-lock’ and with this key a new key cannot be copied without proof of identification by the property owner. They are expensive, but the police recommend these locks above all others available on the market. If you live in Cayman and are going

Tel: (345) 936 2665 Parsons Air Conditioning Tel: (345) 949 3945

Appliance Sales, Service & Repairs A. L. Thompson’s They sell and install the following major home appliance brands: Whirlpool, KitchenAid, Miele, Sub-Zero and Wolf. 189 North Sound Road, George Town, Tel: (345) 949 8622 or visit www.althompson.com. SEE AD PAGES 179, 183, 199, 234 & 237

Bon Vivant Kitchen Studio Offers kitchen design services, specialty




carpentry, tiling, and masonry. Their prices are fair and transparent. 80 Shedden Road, Elizabethan Square, GT. Tel: (345) 321 7562 or (345) 324 1547, email: dpeconomyservices@ gmail.com or www.dpeconomyservices.com.


www. c a y m a n r e s i d e n t . c o m




Tel: (345) 949 8000 (24-hour service) OtisAir

Pest Control Cayman has a warm and humid climate, and consequently uninvited guests such as ants, cockroaches, termites, weevils, centipedes and scorpions also live here. Scorpions tend to be more prevalent after periods of heavy rain and home infestations can occur in large numbers. Although not particularly poisonous, they have a very painful sting and if any symptoms occur, you should visit the hospital or doctor as a safety precaution. Termites are a major problem in this region and can cause a lot of damage to a property. If you are planning to purchase a house it is important to have a termite inspection done prior to purchase. If you are planning to build a house, have a pre-treatment for termites done prior to building. Rodents are an all-year problem in Cayman and there are two species of rat and one species of mouse on-Island. People with pets will likely encounter ticks and fleas — local vets sell NexGard chewable tablets which are an effective flea and tick control medicine for dogs. Ticks are a particular nuisance during dry weather and if you have a tick infestation in your home, then a reliable pest company needs to spray the floors of your home twice over a twoweek period. Cayman has biting insects such as fire ants, mosquitoes and sandflies. It is the task of the Mosquito Research & Control Unit (MRCU) to suppress the mosquito population and assist in preventing mosquito-borne diseases.

The MRCU conducts aerial spraying with insecticides before the rainy season to kill larvae and evening sprays to kill adult mosquitoes. Fogging trucks are used for ground spraying at times when mosquitoes are most active. To minimise mosquito problems on your property, ensure there are no open containers where water might grow stagnate, as these areas are breeding grounds for mosquitoes.

Large land crabs are common across the Island. Migrations are prompted by heavy rain and storms when thousands make their way to the sea to spawn. Many Caymanians catch land crabs, so when driving in crab season, use caution and watch for ‘crabbers’ along the roadside. Crab is a delicious Caymanian delicacy found in local restaurants during crab season. Chickens and roosters roam freely in

Living in Cayman: Set-Up & Monthly Costs (in CI$) Scenario 1:

Scenario 2:





>> >> >>



COUPLE with 2 CHILDREN (Ages 2 & 4)

Teacher earning CI$3,600 pmth and Administrator earning CI$3,500 pmth 1 small, but reliable second-hand car 1-bedroom apartment in George Town Other expenses include dinner once a week and a movie or a cocktail once a week Note: you may need to purchase two cars if you each need to work and live independent lifestyles


Purchase of a vehicle Motor vehicle insurance Drivers licences x 2 Vehicle licensing/inspection

$5,500 $450 $150 $215

Apartment deposit First month’s rent Water deposit Electricity deposit Telephone deposit Total set-up costs

$1,600 $1,600 $80 $200 $200 $9,995

Apartment rent Telephone + mobile Water Electricity Internet Petrol Groceries

$1,600 $120 $80 $250 $80 $150 $700 $500 $3,480

Preschool fees (half-day) Prep school fees Domestic help (full-time) Domestic help health insurance Entertainment/Other Total living expenses


Pension 5% Health Insurance Total Monthly Income Total Monthly Expenses

$15,000 $1,000 $250 $430 $3,000 $3,000 $80 $300 $200 $23,260



Apartment rent Telephone + mobile Water Electricity Internet Petrol Groceries Entertainment/Other Total living expenses


Purchase of 2 vehicles Motor vehicle insurance Drivers licences x 2 Vehicle licensing/inspection APARTMENT COSTS


Apartment deposit First month’s rent Water deposit Electricity deposit Telephone deposit Total set-up costs

>> >> >>

Accountant earning CI$6,500 pmth and HR Advisor earning CI$4,800 pmth 2 second-hand vehicles: SUV and sedan 3-bedroom apartment in George Town Other expenses include dinner and a movie once a week and children’s activities

$355 $600

$3,000 $120 $100 $500 $80 $350 $1,200 $600 $1,000 $1,200 $160 $700 $9,100


Pension 5% Health Insurance

$7,100 $4,435

Total Monthly Income Total Monthly Expenses

the Cayman Islands and can often be a nuisance. You can request that a trap be set for free by the Department of Agriculture, who will then come and take them away. Call (345) 947 3090. Non-indigenous, invasive green iguanas are a massive problem, and must not be mistaken with the endemic Cayman blue iguana, which is a protected species. The green iguana is a pest that breeds in large numbers and has no predators. In an effort to wipe them out, a Government mandated cull was launched in October 2018. The ultimate target for the cull is 1.3 million, and as of August 2019, numbers have surpassed the 800,000 mark. If these voracious eaters are wreaking havoc on your garden, it is easy to catch the iguanas with a long stick (12-14ft) with a noose made of weed-whacker line affixed to the end. You can also call Joseph on (345) 939 6075 who is a registered DoE culler, and has a licence for an air rifle. He will come to your home, cull and dispose of the iguanas, for a few dollars per carcass. Quarterly Spraying at Home If you are buying a property you should check if the property has been sprayed regularly for pests. If renting, ask your landlord if they have a pest control company that sprays quarterly to control ants, scorpions and cockroaches. Most property owners will do this as a matter of course to protect their investment. If your landlord doesn’t arrange this, it might be worth organising it yourself. If not mitigated, pests can become a serious problem in the Cayman Islands. A typical house, depending on size, costs between CI$135-CI$165 per quarter to treat. Treating a two-bedroom apartment costs in the range of CI$125-CI$140 per quarter. Pestkil Ltd. Operates across all three Islands and has been

$500 $950

in business for over 37 years. Services include

$11,300 $10,550

well as all other pest control for residential

the control of cockroaches, rodents, ants, as and commercial locations; including lawn, shrubs and tree services. Owned and run by a




Doctor of Entomology (insects) Pestkil holds a long standing position in the community, and boasts a strong team culture of experienced and trained employees at all levels. Pestkil is the exclusive provider of the Sentricon Termite Elimination System in Cayman the most effective system on the market for the eradication and protection against subterranean termites. Abacus House, 311 Walkers Road, George Town. Tel: (345) 949 9145 or www.pestkil.com. SEE AD THIS PAGE

Painting & General Maintenance There are a number of painting companies on the Island. One reputable company that also provides free estimates is Paint Pros Ltd. (Tel: (345) 949 7767). Painting contractors usually charge by the job rather than by the hour. For a general handyman ask a friend for a recommendation and be prepared to pay CI$10-CI$15 per hour.

Androgroup Tel: (345) 949 8000

items at the 24-hour drop-off site located at the front of the George Town landfill. There is no fee for this service and assistance is provided during regular business hours. Camana Bay also operates a recycling depot, but they only collect glass and plastics (#1 and #2) at their site. Dry-cell batteries are also collected at the grocery stores or directly from businesses. Any new businesses wanting to participate should contact the DEH. The collected batteries are bulked and sent to the US for recycling. Take electronic items including cameras, television sets, computer monitors, printers, keyboards and household appliances to the 24-hr drop-off site located at the entrance of the George Town Landfill. Recyclables in Cayman Brac and Little Cayman are safely stored at their respective landfills until arrangements are made for shipping to Grand Cayman for further processing. Once at the recycling facility at the George Town landfill, recyclables are sorted, processed and baled for shipment to

DP Economy Services Ltd. They provide plumbing services, general home/building repairs, complete renovations/ remodel jobs, painting, carpentry, tiling, and masonry. Their prices are fair and transparent. 80 Shedden Road, Elizabethan Square, GT. Tel: (345) 321 7562 or (345) 324 1547, email: dpeconomyservices@gmail.com or visit www. dpeconomyservices.com.

Recycling Cayman has made progress in its recycling efforts over the last five years but there is still a long way to go. While the message is slowly resonating with some, many people in Cayman either still don’t understand the importance of recycling or don’t know just how much can be recycled. There are currently seven recycling depots; six of which are located at the Island’s three major supermarkets. The seventh and newest depot is located on the grounds of the North Side Civic Centre. Residents can recycle the following items at each of these locations: a) paper

Do it right the first time!

Over 35 years in business

Serving all 3 Cayman Islands Residential & Commercial Pest Control • Rodent Control Fire Ant & Carpenter Ant Control • Fly Control Lawn Spraying & Feeding • Shrubs, Plants & Tree Spraying Pre -Construction Soil Treatment • Subterranean Termite Control • Termite Inspections/Reports Sentricon Termite Colony Elimination System

Contact us Today Tel: 949-9145 | web: www.pestkil.com email: sales@pestkil.com


www. c a y m a n r e s i d e n t . c o m





and cardboard, b) clean metal food cans (tin and aluminium), c) glass bottles and ceramic dishes and d) PET/PETE and HDPE plastics (#1 and #2). Be sure to check the bottom of containers for codes such as PET, PETE and HDPE or look for the 1 & 2 symbols. Read the signs at each depot and follow the instructions carefully. Recyclables must be removed from plastic bags and placed in the correct bins. Bins have been organised using the following colour codes: Blue – Types 1 & 2 Plastics, Yellow – Paper & Cardboard, Gray – Tin & Aluminium Cans and Brown – Glass & Ceramics. Remember to separate your waste. Make sure everything has been rinsed out and is clean, and don’t put plastic wrappers, plastic bags and cling wrap in with the #1 and #2 plastics. It is essential that no additional waste items are disposed of in recycling bins as they contaminate the recyclables and could cause them to be sent to the landfill. Residents can also deposit recyclable

recycling plants in the US. For more information about how you can recycle, please contact DEH by email at recycle@gov.ky or refer to the Being Green chapter.

commercial and residential cleaning services. Contact them for general and deep cleaning, as well as oven, carpet, cupboard and window cleaning. They also offer sanitising, marble polishing, upholstery cleaning and much more. They now offer a residential team cleaning




service and they come prepared with supplies.

At some point you might find yourself needing the help of a professional cleaning service to give your home a proper, thorough clean. Fortunately housekeeping services are an affordable luxury in Cayman and there are a number of reputable cleaning companies which offer various residential and commercial services. If you don’t go through an agency, it is easy to find someone via word of mouth. For a seasonal clean of your carpets, area rugs, windows and upholstery, it’s worth hiring a specialised team to do the job. The agencies listed below can help.

A great, hassle-free service. Tel: (345) 949 0734, email: hews@hews-janitorial.com or www.hews-janitorial.com.

K&A Services and Janitorial K&A




carpet, upholstery, windows, power wash, tile and grout cleaning. Scheduled cleaning can be arranged for daily, weekly, fortnightly and monthly visits. For more information on fees and other services they offer call or WhatsApp: (345) 326 3379 or email: assist@ kandaservices.ky. DOMESTIC HELP & NANNIES

A family-owned company that provides professional


residential and commercial cleaning including

Hew’s Cleaning Services trustworthy,




Many families employ domestic help either on a full-time, live-in or part-time

Family owned and operated in the Cayman Islands since 1977. Safe, professional, trustworthy, efficient, friendly & caring...

offices carpets maids upholstery �oors water restoration windows microbial restoration

hews@hews-janitorial.com 170

P.O. Box 10594, Grand Cayman KY1-1005 335 Dorcy Drive, Industrial Park



marble mold �re restoration

basis. Helpers are employed primarily to do housework, cook and care for children and pets. You can often find someone via word of mouth on Facebook forums such as ‘The Real Women of Cayman’, ‘Hope of Cayman’ or ‘Caymums’ or you can try an agency. Make sure to ask for and check all references. > Hiring through an agency: You may need to register with the agency if you would like to secure the same person on an ongoing basis. Expect to pay approximately CI$12 per hour for a minimum of four hours if hired on a full-day or half-day regular weekly basis. If you hire them as a one-off, the hourly rate is CI$14 (more if they supply the cleaning products). The convenience of using an agency is that they train the staff, pay their health insurance, pension and will replace them if they can’t work for any reason. Refer to the Having A Baby chapter for more detailed information on securing a full-time domestic helper or caregiver through an agency. We recommend the following three agencies: AAA Caregivers Agency, Tel: (345) 916 5925 or www.aaacaregivers.ky. Best Home Care, Tel: (345) 947 2297 or email: bhc@ candw.ky, or K&A Services, Tel: (345) 326 3379 or email: assist@kandaservices.ky. > Hiring someone yourself: If you hire someone yourself then the going rate for a full-time helper (between 40 and 45 hours per week) is approximately CI$400 per week, before overtime. For this salary they would be expected to be able to drive your children, cook for them and help with cleaning the house. For part-time work, babysitting or overtime, you will find that everyone will ask for CI$10 per hour. If you hire your own helper on a fulltime basis, you must apply for a work permit. Paperwork and instructions can be collected from the Department of WORC or downloaded from their website: www. immigration.gov.ky. Both the employer and the employee must fill in separate parts of the application and such things as a police clearance, passport photos and a full medical are required. They may be required to take an English test as well. It is worth

Landscaping There are many good landscape contractors on-Island who can care for your garden once you buy a home. Almost all apartment complexes have someone maintaining the grounds as part of the strata. If you can find an independent gardener, expect to pay them around CI$15 per hour. Many gardeners will chop back plants, so be very specific about what you need trimming! Some also tend to kill grass snakes unless you specifically tell them not to. Grass snakes in Cayman are harmless and help keep the frog population in check. Plant Trees Planting trees around your property is a great way to support Cayman’s environment, and also help keep your house cool, provide shade outdoors while your children play in the afternoons and add character and value to your property. Local resident Margaret Barwick, author of the book Tropical & Subtropical Trees, maintains the emphasis should be on respecting and incorporating

indigenous flora where possible (moving and replanting a tree or, if manageable, working around it). Planting indigenous trees supports the local wildlife (birds and bees in particular), will be less affected by pests and will also bounce back far quicker after a major storm. The Neem tree is a fantastic shade tree that grows fast and is drought-resistant. It is non-toxic to birds and is an important honey plant (i.e. bees love it). Another great option is the Mahogany, an indigenous, endangered tree that does remarkably well in marl-filled land as it is salt tolerant and fairly fast growing. The smaller Poui, Poinciana and Tabebuia trees are also very popular on-Island for their showy canopy of bright flowers. Avoid planting the invasive Casuarina tree, which will take over your land quickly. Keep coconut trees to your property’s perimeter and trim regularly, as the coconuts can fall and hurt children. Lawn & Garden Maintenance Lawns in Cayman, and particularly those


If you live in an apartment complex, the strata will generally take care of garden maintenance. Homeowners not a part of a strata can seek landscaping services from one of the many companies in Cayman. See the Lawn & Garden Maintenance heading further in this chapter. Alternatively you can maintain your own garden. Equipment such as lawn mowers and fertiliser are available from most home centres such as A. L. Thompson’s, Cox Lumber, Kirk Home Centre and Uncle Bill’s. There are also very good plant nurseries with experienced staff who can advise you. Refer to the Shopping chapter for details on where to buy all-weather outdoor furniture.


www. c a y m a n r e s i d e n t . c o m




noting that the Department of WORC does not usually grant expatriates a work permit for domestic help, unless they show sufficient need, i.e. they have children who need looking after, in which case you will also need to provide certified copies of the birth certificate of each child to be cared for and think carefully about the information you provide in your cover letter to support your application. Please note, a work permit for a ‘Nanny’ needs to be advertised in the newspaper for two consecutive weeks and costs CI$650 per year, but a work permit for a ‘Domestic Helper’ does not need to be advertised and costs CI$250. You will also need to take care of your employee’s health insurance and pension, give them at least two weeks paid vacation per year and pay them double time for working any public holidays. A good employer will also pay for one airline ticket home per year and give a Christmas bonus of between two-week’s and a month’s salary. > Things to note: You cannot submit your domestic helper’s work permit paperwork until your own work permit has been approved; it is illegal to make them pay for their own work permit; helpers are not allowed to have dependants on their work permit and the absolute maximum time they will be allowed to stay on the Island is ten years. You can take out a work permit for any nationality as long as you can demonstrate a genuine need.

with St. Augustine and Zoysia grass, often suffer attacks from white grub, army worms and cinch bugs. If your lawn is coming up in clumps or showing brown patches then you have a problem. The most effective way to treat it is to have a pest company spray the lawn every three months and make sure you water it well. Note that Zoysia lawns should be shaved down once a year during the rainy season.

Power Flower For over 30 years, Power Flower has been providing residential and commercial clients on Island with premier landscape maintenance and design services of the highest standard. Their family of professional landscapers, irrigation specialists and tree pruners are committed to delivering outstanding service and timely communication for every project on every property. 31 Orchard Lane, off Crewe Road, George Town. Tel: (345) 949 2256,

Cayman Growers

email: office@powerflower.ky or visit www.

A plant nursery, sod and tree farm located

powerflower.ky. SEE AD PAGE 184

in East End with up to 10,000 trees all locally propagated. Tel: (345) 323 0722 or email:

Vigoro Nursery & Landscaping


With two handy garden centres, Vigoro is a fullservice landscape and design company backed



Every Bloomin Thing (EBT)

by a plant nursery. Both stores sell a large

EBT provides plants, flowers, trees and shrubs

variety of seeds, plants, shrubs, trees, soil,

from the traditional to the quirky. Open

fertilizers, terracotta pots, home and garden

Monday-Saturday 8am-6pm and Sundays

accessories and Mexican Talavera. Walkers

10am-4pm. 384 Crewe Road, George Town.

Road, Tel: (345) 949 4270. Agricola Drive, Tel:

Tel: (345) 945 1701, for Floral: floral@ebt.com.

(345) 945 5236. Email: tom.balon@vigoro.ky

ky, for Landscaping: landscape@ebt.com.ky,

or craig.stewart@vigoro.ky, visit www.vigoro.

for Garden: gardencentre@ebt.com.ky or visit

ky or www.facebook.com/VigoroCayman.

www.ebt.com.ky. Paradise Landscaping Paradise Landscaping specialisies in creative and quality landscape design and maintenance. Their well-trained staff have a meticulous attention to detail and can design, install and maintain extraordinary outdoor spaces personalised to suit your own unique style. The Owner, Giles Smith, has been a professional in the landscaping arena for decades. Tel: (345) 547 1530, email: giles@paradise.ky, or visit www.paradise.ky. SEE AD PAGE 171

also offers bee removal services. Call them on (345) 947 3090. The cost usually varies depending on the complexity of the situation. Bee removal should be done by a professional – please do not kill the bees! Agriculture

Bee Removal Services Cayman has a thriving community of bees which ensure that our fruit trees continue to bear abundantly. However, sometimes these bees can overtake a corner of your garden and may need to be safely removed and relocated. Call Otto Watler (Tel: (345) 947 1255) who lives in Lower Valley and produces Pure Cayman Honey from his happy family of bees. He has been removing unwanted bees from people’s homes and gardens for years. The Department of


Sargassum Removal Sargassum is a crucial habitat for many different species, and removing it can cause mass erosion and have a destabilising effect on beaches. However due to its foul smell and build-up, removing it is sometimes necessary. Be sure to do so in the least intrusive way (hand raking) and be aware of wildlife, especially during turtle nesting season (May-November). Using machinery to remove sargassum is not advisable due to the environmental risks. If it is deemed necessary, the DoE must grant approval beforehand. It is essential that you use the same route on and off the beach when using machinery to prevent further destruction. Pool Maintenance If you rent or buy in an apartment complex then the strata will take care of the cost of pool maintenance. If you own a house with a pool, depending on its size, expect to pay on average CI$150 to CI$200 per month to have a maintenance technician come around once a week to add chemicals and vacuum the pool. Salt water pools, with their essential component, a chlorine generator, are a more environmentally friendly alternative to traditional chlorinated pools and also require less maintenance. Other environmentally friendly products such as LED lights, variable speed pumps, solar heaters and automation systems will help reduce your monthly bill as well. Oasis Pool & Spa Oasis Pool & Spa offers a wide variety of pool services from regular weekly maintenance to the latest energy-efficient pool equipment to

945-7665 www.oasispoolscayman.com 172



keep your pool sparkling clean and ready to swim. Tel: (345) 945 7665, email: james@oasis.

ky or www.oasispoolscayman.com. SEE AD PREVIOUS PAGE

Pool Patrol Pool Patrol supplies and stocks pool and hot

responsibility of the property owner, but can be outsourced to a service provider, and some oversight is provided by WAC. For more information please contact: developmentcontrol@waterauthority.ky.

tub pumps, motors, accessories, chlorine WASTE DISPOSAL

games, pool floats, outdoor showers, hot

The Department of Environmental Health

tubs and patio furniture. Services include

(DEH) (Tel: (345) 949 6696) is responsible

weekly cleaning, water testing, pool design

for all waste management and recycling in the Cayman Islands. Residential garbage is collected once per week on Grand Cayman, while commercial garbage is collected based on the needs of the individual business. There is no charge for residential garbage collection but there is for condo and commercial garbage collection. Complexes with 10 or more dwelling places are viewed as commercial establishments. Place your garbage on the kerbside on the evening before your scheduled pick-up day to avoid a missed collection as pick-up commences as early as 1am. Garbage containers will not be collected if they are too heavy; so make sure that your garbage container has a maximum capacity of 33 gallons. Avoid putting the following items into your garbage container: hot coals, grease/oils, sharp objects, garden waste, dead animals, liquids, household hazardous waste items and electronic appliances. Take these items to the George Town Landfill which is open from 7am-6.30pm Monday-Saturday instead. Pour water on hot coals before disposing of them as hot coals may reignite several days after

and construction, as well as renovations and repairs. Tel: (345) 949 8543, Email: pools@ poolpatrol.ky or

visit www.poolpatrol.ky.



Residents who live along the main West Bay Road corridor and some of the connecting neighbourhoods are served by the Island’s only public sewerage system which is operated by the Water Authority - Cayman (WAC). (SEE AD PAGE 122) The collected wastewater is treated at the WAC’s wastewater treatment plant. Residents located outside of the West Bay Road sewerage system area have their wastewater treated in an on-site wastewater treatment system, typically located on the same property as where the residence is located. On-site systems are septic tanks or aerobic treatment plants, both of which discharge the treated effluent into an effluent disposal well. Septic tanks are typically used at older and smaller developments. Both treatment systems require maintenance. Accumulated solids reduce treatment capacity over time and require periodic removal (pump-out) by licensed septic tank cleaners. The required frequency of pump-out ranges from one to five years, depending on the size of the tank and usage. In addition to periodic pump-out, aerobic treatment systems require routine maintenance of mechanical equipment e.g. motors, blowers and pumps. The WAC maintains a register of certified service providers, which can be found online at www.waterauthority.ky. Unlike the WAC’s wastewater treatment facility, the management of on-site wastewater treatment systems is the


We Specialise in: • Full retail store with Cayman’s largest inventory of pool/spa & backyard products • Pool and spa service & repairs - commercial and residential • Consultation, design, construction and renovation services • Fully trained and certified staff

Tel: 949-8543




www. c a y m a n r e s i d e n t . c o m




generators, heat pumps, gas heaters, pool

a fire has been extinguished. Hazardous material, including batteries and chemicals must be disposed of properly. Household batteries can be taken to the grocery stores and chemicals and oil must be taken to the landfill. Electronic equipment and other household appliances can be recycled and Kevin Ropes will come and collect it directly. Call (345) 321 6126 or email kevinropes@yahoo.com. JUNK also collects recyclables from private residences and businesses. Tel: (345) 325 5865. Apartment complexes, strata developments and businesses are charged a small annual fee which is based on the size, container type, its servicing frequency and category of business or apartment complex. Be sure to separate glass items, tin and aluminium cans, types 1 & 2 plastics and cardboard items, all of which are 100% recyclable, from household waste. Refer to the Recycling section seen earlier on in this chapter for more details on recycling your waste. The DEH provides free kerbside bulk waste (old furniture, appliances, etc.) pick up once per year. Never place bulk items out on the kerbside until the DEH has announced its annual bulk waste pick-up schedule. You may, however, hire DEH to pick up your bulk waste throughout the year at the cost of CI$75 per load. Lastly, littering by throwing things out of your car, and/or dumping (or ‘fly tipping’) is illegal in the Cayman Islands and can lead to a hefty fine.

Home Improvements



Home Improvements - Make A Return On Your Investment

174 174

Before You Begin


Construction Management


Interior Designers


Indoor Improvements 179 - Kitchens 179 - Bathrooms 179 - Colours & Accessories 180 - Decorative Electrical Panel Covers180 - Doors & Windows 180 - Curtains, Draperies & Blinds 180 - Flooring, Tile & Carpet 181 - Home Automation & Electronics 182 - Painting & Roofing Contractors 182 Outdoor Living & Gardens 183 - Landscapers184 - Garden Trends184 Swimming Pools - Pool Safety For Kids

184 185

Four key questions to ask yourself before renovating: 1. Is the project a good investment? 2. How will the project impact your home’s appraised value? 3. How long do you plan to be in your home? 4. How strong is the resale market in your neighbourhood?




Photos courtesy of Deep Blue Images and Jonathan Sparrow.

Home renovation tips, suggestions for interior designers, kitchen, bathroom, flooring, doors, windows, swimming pool installers and more.


Cayman’s harsh tropical climate can impact the well-being of your home over time. Regularly enhancing both the exterior and interior of your home is essential for avoiding permanent damage and can also add value if you plan on selling it in the future. Conversely, renovating a home can simply be about your desire to stay in step with modern aesthetics. Whether it is a simple do-ityourself project or a full scale renovation, the Island’s impressive selection of professional craftpersons, contractors and homeware stores can help bring your vision to reality. Make a Return on Your Investment The kitchen and bathroom(s) are two rooms you must examine carefully when you first look at a home. These rooms are usually the most costly to remodel, but they are far more likely to pay for themselves if you ever choose to sell your house. You can typically recover up to 80% of your investment when you spend your money on an upgrade to your kitchen or bathroom, however not all remodelling projects yield a return. Swimming pools rarely return their cost as buyers are often unwilling to spend more for a house with a ‘luxury’ add-on that can be expensive to maintain. Remember that a home improvement project need not be costly, as ‘costly’ does not always equate to value added. Often it is the minor upgrades that are not only the most effective in improving the appearance of your home, but produce greater dividends in the long run. Instead of overhauling your entire kitchen, you could repaint the walls, change the backsplash and upgrade a few appliances to give the room a fresh new look.

When considering what the result of your home improvement project will look like, give strong consideration to how long you intend to be in your home. If it is not going to be for the long-term, it may be wise to avoid spending a great deal of money on trendy or unusual design schemes. Improving your home may also mean transforming your approach to life. Recently, more and more homeowners are choosing to embrace a greener lifestyle in Cayman. BEFORE YOU BEGIN




- Do your research and draw on many sources for inspiration, from traditional interior design magazines and TV shows, to websites such as Pinterest or Houzz, home to thousands of interior design and decorating ideas where interior designers and trades people will often showcase their portfolios. You can also create vision boards; a great tool if you’re working with an interior designer, as they help you to understand Create Your Vision


each other’s vision. When improving a room, you need to think about the space as a whole, rather than focusing on individual items you like. You may like a light fixture you saw on holiday, the blinds you saw in a magazine or be nostalgic for granny’s old side table, but you must ensure that whatever you do is harmonised with existing design elements in your home. Have a Plan - A common mistake made by homeowners is to walk blindly into projects without doing some strategic thinking beforehand, particularly about how you plan to pay for the remodel, new furniture or fixtures. First and foremost, you must have an appropriate plan of action which should include either a written scope of the proposed projects or, for more complex projects, a set of drawings that include a detailed construction schedule, providing a clear visual representation of the works required and the estimated time and money needed to complete them.



- Proceeding on home updates without having an adequate written agreement in place with your contractor or project manager leaves both the scope and the quality of the work open for interpretation by them and/or the subcontractor(s). This is a guaranteed recipe for disappointment and even disaster! In addition, all of the participating parties need to have a clear and comprehensive understanding of precisely what is going to be involved. Decide what will add the most value for the dollars spent (as it is possible to cut costs without necessarily having to cut corners), determine what order the updates should take place in, and finally assume how much the worstcase scenario of the final cost might turn out to be. Manage Your Costs - The more detailed the information is about what you desire, the more accurate your cost projections will be. However, it is still important that you have a healthy Get it in Writing

PASSIONATE ABOUT DESIGN Over 30 years experience of providing quality cabinetry, design and installation.





houses and condominiums in Cayman reflect the various architectural and interior design styles that were popular at the time of construction. Design styles have evolved dramatically through the years and today’s homeowner wants a chic, elegant, open-house plan full of natural light and space. Remodelling a dated residence can easily bring that vision to life. Finding ways to assess a renovation and maximise the property’s true potential via creative and affordable options, is where the value of the right contractor’s knowledge and experience can really come into play. Separate and distinct functional rooms continue to be replaced by open-concept rooms combining kitchens and family rooms as a shared social space with plenty of room to do everything from homework to entertaining. Simplification of design, by way of cleaner lines and more natural and timeless, elements, such as wood and stone, as well as the modern reflective elements of steel



and glass have also become popular incorporations into the contemporary remodelling scheme. Be Green - Green living has made its way firmly into home construction as consumers continue to become more aware of the long-term savings and other positive implications associated with an energy efficient approach. Energy-efficient low emittance windows, smart glass (also known as electrochromic glass), cool roofs that reflect the sunlight away, solar energy generation, LED lighting, rainwater harvesting tanks and cisterns, greywater systems, tankless water heaters, permeable pavers, drought-tolerant plants and no or low-mow grasses and use of reclaimed wood for remodelling and new building, are all significant and logical additions to current green Caribbean design and retrofit remodelling schemes. Learn more by chatting to one of the experts listed in the Being Green chapter.

www. c a y m a n r e s i d e n t . c o m




margin of overage in place for any potential cost overruns or unexpected expenses. One easy way to keep your project in check is to banish the words “while you’re at it” from your vocabulary during the course of the project. It is an all too common mistake that can act as a slippery slope to budgetary woes. Stick to your original plan and avoid any unnecessary impulse additions! Trends vs. Timelessness - As Cayman is a transient place, consider how long you plan on living in your current home. If it is five years or less, think about styles that will help increase your resale value rather than a personalised style that may put buyers off. Or simply go for cosmetic enhancements rather than large structural projects. If it is 10 years or more, consider adopting a classic style or design that won’t date. You should also always think about long term personal changes, such as whether you’ll be having children, and how that fits with your design aesthetic. Older


If your renovation project requires any structural, framing, demolition or remodelling work, then you may want to consider employing a construction manager. An experienced construction manager will be able to offer advice on how to improve the layout of a room or home and make the most of a space. They will also be able to advise on the best materials for your project in terms of both sustainability and on-going maintenance to ensure that the renovation lasts and retains its value. For a complete list of construction management companies see the Building in Cayman chapter. INTERIOR DESIGNERS



Hiring an interior designer doesn’t have to be an expensive luxury. More often than not, a good interior designer will save you money in the long run, especially if you’re new to decorating and renovating. Just some of the benefits of hiring an interior designer are: >> Training and Experience - A designer can take the reins on the project, will foresee problems and ensure everything is done on time, on budget and as per your vision. Even if you can’t hire a designer for the whole project, consider having a consultation with one. >> Creativity - While you may think you know your likes and dislikes, an educated, skilled designer knows what questions to ask and what to look for in a client’s life story to glean details about personal tastes that can be used to create your dream. >> Established relationships - Designers have close working relationships with subcontractors on-Island. They’ll know who is right for your project and who will offer the best value for money. >> Importing Furniture - They can coordinate deliveries and budget accurately for shipping, duty and other miscellaneous costs so there are no surprises. Also a designer will know which vendors are the most reliable.


Space Planning - A designer can help choose correctly proportioned furniture for your space. This is particularly important when ordering furniture from overseas which cannot be easily returned. Some architectural firms also have in-house interior designers, as do several construction companies. Chalmers Gibbs Architects Tel: (345) 949 2727 Email: lara.adams@chalmersgibbs.ky www.chalmersgibbs.ky As a part of a multidisciplinary architectural practice, their team of interior specialists provide services in corporate, hospitality, institutional,




residential design, both in new build and renovation projects. SE E AD PAG E 188 Design Studio Unit 18A, 48 Market Street, Camana Bay Tel: (345) 945 4977 Email: michelle@designstudio.ky www.designstudio.ky Design Studio is an award-winning interior design firm with locations in both Turks and Caicos and in the Cayman Islands. Their scope of services include residential and commercial design with retail showrooms offering furnishings and accessories, as well as resources for custom orders from a wide array of international suppliers. SE E AD PAG E 177 HÜIS by Lydia Uzzell Interior Design 350 Shedden Road, George Town Tel: (345) 945 1271 Email: info@huiscayman.com www.huiscayman.com HÜIS is a furniture and home décor store from local interior designer, Lydia Uzzell. Parlaying Lydia’s signature style, HÜIS makes interior design accessible; and furnishing your home from Cayman easy. Visit The Storefront or browse the full range online, where you can shop by style or room using a local credit card. HÜIS also offers a white-glove ordering process, on-Island delivery and will manage all





Saturday 10am-6pm. SE E AD PAG E 227 178



IDG Interior Design Seven Mile Shops, 215 West Bay Road Tel: (345) 745 4305 Email: design@idgcayman.com www.idgcayman.com This award winning firm with their team of professional designers are available to help set the scene for your best life, saving you time and

environment when compared to some massproduced products. See the Bathroom & Kitchen Hardware section in this chapter for providers of kitchen products. It’s also worth considering a custom made kitchen as there are some wonderfully talented craftsmen in Cayman. See the Cabinets & Custom Millwork section below.

existing kitchen, Pooley Cabinets delivers a high standard of design and installation in both traditional and ultra-contemporary settings. They offer innovative products, professional design, expert installation and exceptional service. SE E AD PAG E 176

money in the process. With two on-Island retail locations, extensive global vendor resources,

Cabinets & Custom Millwork

trusted local contractors, and designers from

Martlet Design Ltd.

around the globe, they are uniquely positioned

56 Merrendale Drive, George Town

to “set the scene for your life”.

Tel: (345) 916 7583


Email: john@martletdesign.com Martlet Design specialises in crafting beautiful


Kitchens Kitchens are an important feature of the home. A property with an old, dated kitchen is usually harder to sell and may even decrease the property’s overall value. Even if you do not plan on selling your home, modern kitchens are more functional than old fashioned ones. As the kitchen is often the heart of the home, the trend of a ‘social kitchen’, characterised by an open plan space and generally a large kitchen island, is set to continue. If a complete remodel isn’t in your budget, consider improvements such as a new countertop or replacing the tiling or backsplash for an easier and less costly facelift. A neutral colour palette continues to be the colour of choice for contemporary kitchens. They can brighten up the room and make it appear larger, and will also suit most people’s taste should you decide to sell. If you find neutrals a bit flat, then you can always add punches of colour with accessories such as brightly coloured dishware or colourful light fixtures. The options for counter surfaces have greatly increased in recent years. Glass, concrete, quartz, stainless steel and even wood countertops can create a stunning effect. Clean and classic ‘subway tile’ or mirrored and metallic finishes are popular options for backsplashes. Using green products such as reclaimed wood, recycled glass and handmade products is very popular and kinder to the

bespoke furniture and cabinets. Pooley Cabinets Design Studio 17 Marina Drive, Prospect Tel: (345) 947 6780 Email: info@pooleycabinets.com www.pooleycabinets.com Pooley Cabinets has provided quality cabinetry to clients in Cayman for over 30 years. Whether you are building your dream home or renovating your


www. c a y m a n r e s i d e n t . c o m




Bathrooms Bathrooms were once functional spaces with little thought given to style or luxury, but this is no longer the case. Concrete sinks, rain showers, walk-in showers, wall-mounted toilets and faucets and freestanding baths are all en vogue and can be designed to suit your home’s personal aesthetic. Innovative built-in storage can also free up space and allow for an uncluttered look. Bringing elements of the outdoors into the bathroom is a big trend, with wood and stone proving the most popular, along with using a colour palette of wooden hues and earthy tones. Accessories such as new mirrors, lighting, and even smaller ornamental

changes like knobs and handles, can really freshen up a space and be a less costly alternative to remodelling. Bathroom & Kitchen Improvements The following companies can provide you with the hardware and appliances for both your bathroom and your kitchen.

is a lively coral hue that energises without overpowering. Introduce with pops of bright coral décor for a more subtle and pointed approach, or go bold with a trendy coral accent wall. Refer to the Paint section in the Shopping chapter for a list of retailers. Decorative Electrical Panel Covers Fuse-In Designs


A. L. Thompson’s

Tel: (345) 324 0280

189 North Sound Road, George Town

Email: sales@fuse-indesigns.com

Tel: (345) 949 8622


Email: info@althompson.com

Specialising in aesthetically pleasing covers


for electrical panels. Choose from a wide array

A. L. Thompson’s houses a large bath and

of patterns, designs, textures and images - an

kitchen gallery. They stock a wide selection of

easy way to beautify a grey electrical panel

fixtures, fittings and appliances, with brands

without violating fire codes.

that include Kohler, Delta, Brizo, Decolav,

buildouts. SE E AD PAG E 190

Accessories Accessories are the key to making each room unique. A new set of cushions, a strategically positioned lamp or new bed linen can really enhance a room and add your personal touch. >> Pops of Colour are an easy and low maintenance way to freshen up a tired room. ‘Living Coral’, Pantone’s colour of 2019, is inspiring a warm and lively trend in home décor. >> Retro Accents can look bold and modern. Wallpaper has found its way into many homes as a fresh alternative to a painted wall, and colourful woven rugs can also add a splash of colour to a drab room. >> Playing with Textures is a great way to elevate soft furnishings and introduce a few stand-out pieces in your home. Look for eye-catching fabric textures such as plush velvet pillows and fluffy throw blankets, and contrast with more rugged rattan and macramé finishes. Refer to the Furniture section in the Shopping chapter for a full list of retailers that sell furniture and accessories on-Island.

Colours An unexpected splash of colour can transform the outside of a home or breathe some life into an outdated room. Pantone’s 2019 colour of the year, ‘Living Coral’,

Doors & Windows Choosing windows and doors for your home is a big investment, but making the right choice can help save you a lot of money in the long run. We recommend





KitchenAid, Avanti, Sub-Zero and Wolf. SEE AD PAGES 179, 183, 199, 234, 237


buying the best windows you can afford, preferably tinted, to help keep the cool air in and the hot air out. Good quality windows and doors also have the added benefits of keeping ambient noise out, especially if you live near a main road or close to the airport, whilst also providing increased security. You’ll also need to think about hurricane season, and whether you’ll need hurricane shutters. If you are looking for a particular brand or design then check the following list of home centres and suppliers of doors and windows in Grand Cayman. For a truly unique touch, you could try investing in a custom made front door designed by a skilled on-Island carpenter.

BrandSource Home Gallery 209 Dorcy Drive, Industrial Park Tel: (345) 623 5000 Provides custom design and installation of custom closets, kitchen cabinets, bathroom vanities and cabinets, lavatory, fixtures, showers doors, kitchen sinks and faucets. Offering a large selection of premium brands including Duravit, Isenberg, Design Element, ORG Home, Baden Haus, Rubinet, Nantucket, Foster Milano, Palazzani, and many others. Encompass Ltd 10 Market Street, Camana Bay, Box 382 Tel: (345) 938 0850 Email:



ekline@encompasscayman.com www.encompasscayman.com Renovation services include: Complete home makeovers, outdoor living improvements, residential




structural repairs and commercial space




A. L. Thompson’s Tel: (345) 949 8622 Email: info@althompson.com www.althompson.com A. L. Thompson’s specialises in PGT. SEE AD PAGES 179, 183, 199, 234, 237

Apex Perimeter Protection Tel: (345) 949 0004 Apex has a showroom with a range of high impact windows and doors. Cox Lumber Tel: (345) 949 0661 Cox Lumber carries a range of top brands of windows and doors. Kirk Home Centre Tel: (345) 949 2521 Kirk Home Centre exclusively carries SIW and CWS impact rated windows and doors.

Curtains, Draperies & Blinds Window treatments add flair and functionality to any space and choosing the right window ‘fashion’ is an important step in defining the style of your interiors and also keeping your home cool during the hot summer months. While curtains, blinds and shutters are very popular choices in Cayman, many homeowners are choosing motorised solar shades and draperies. Below is a recommended

innovative thing to hit the construction and

company that specialises in various window treatment designs:

interior design industry in Cayman. It offers

The following companies sell and install a wide variety of flooring options:

the residential and commercial property Edie’s Décor

developer the opportunity to have unusually

Edie’s Décor

64 Eastern Avenue, George Town

large panels of porcelain tiles which range

64 Eastern Avenue, George Town

Tel: (345) 949 6348

from 3ft wide to 11ft tall and 5.6mm thick

Tel: (345) 949 6348

Email: info@ediesdecor.ky

(and sizes in between). It gives the interior

Email: info@ediesdecor.ky


and exterior of a property a very different


Edie’s Décor supplies custom-made blinds and

look and feel.

A well-established family operation, Edie’s

Wood Look Porcelain is here to stay and

Décor offers an exceptional range of flooring

which are made-to-order in their professional

the industry somehow manages to make

products: porcelain, granite and marble tiles,

drapery workroom, where they also offer

tile look more like authentic wood year after

COVERLAM, mosaics, luxury vinyl and carpets

upholstery services. Contact them today to


are all available. SE E AD T H I S PAG E

shutters, as well as draperies and curtains,

schedule your consultation. SE E AD T H I S PAG E


COVERLAM is the newest and most


Luxury Vinyl Plank is a popular option due to its durability and green credentials. These

ITC Tile

planks give the appearance of real wood

Tel: (345) 945 3798

without the bother of maintaining it. It’s a great option for children’s rooms as it is

Paramount Carpets

easy to clean, gentler underfoot than tile and

Tel: (345) 949 5000


some options are even waterproof!


Paver Style Flooring has become a top

Stafford Flooring

choice for outdoor living spaces. Large,

Tel: (345) 943 2722

sturdy slabs of porcelain can be laid directly on compacted sand or installed on concrete

Rugs Oriental

to create a wonderfully uniform look.

25 Galleria Plaza, West Bay Road


Flooring, Tile & Carpets Re-flooring is an expensive and messy job, however, the upside is that it will dramatically change the look of your home. Before you get started, think about potential flooding during hurricane season, especially on the ground floor. Do you want to invest a lot of money in flooring, when it could be ruined? Flooring trends include:




Bedding, Draperies, Blinds, Shades, Plantation Shutters, Upholstery INSTALLATION AND CONSULTATION

Flooring Department: Monday-Friday 8am-5pm, Saturday 8am-2pm. Soft Furnishings Department: Tuesday-Friday 9am-5pm, Saturday 9am-2pm (closed on Mondays)


www. c a y m a n r e s i d e n t . c o m


They specialise in providing general home/

Email: rugsoriental@candw.ky



remodel jobs, painting, carpentry, tiling, and

Cayman Island’s premium supplier of unique

masonry. Their prices are fair and transparent.

The Security Centre Limited

hand-woven Oriental rugs offering a huge

A dynamic team of professionals that provides

Tel: (345) 949 0004

range of traditional and contemporary

cost-effective home renovation services.




designs. They also sell gorgeous hand-

Painting Contractors There are a number of painting companies and contractors in Cayman who can paint a wide variety of surfaces. Below are some reputable options.

Tel: (345) 949 5383

Home Automation & Electronics Home automation systems have come a long way. You can now turn your home into a smart home with the capability to link all your audio visual devices, control air conditioning, secure the house and adjust lighting via your smartphone or tablet, whether at home or miles away. The following companies have a great reputation for home automation devices and installation:

General Maintenance & Repairs


remodel jobs, carpentry, tiling, and masonry.

DP Economy Services Ltd.

Tel: (345) 746 4434

Their prices are fair and transparent.

Tel: (345) 321 7562 or (345) 324 1547

Creative Tech

First Impressions

Email: dpeconomyservices@gmail.com

Tel: (345) 946 8324

Tel: (345) 917 7499


Email: info@creativetechltd.com

crafted accessories and home furnishings sourced on their annual buying trips including cushion




mosaic lamps, Turkish towels and robes. They have something for everyone – even custom orders, to make sure you get that perfect rug or accessory for your home. SE E AD T H I S PAG E

Tomlinson Furniture


to a new location. See the Running Your Home chapter for more details.

Tel: (345) 943 7847

DP Electrical & General Maintenance 80 Shedden Road, Elizabethan Square, GT Tel: (345) 321 7562 or (345) 324 1547 Email: dpeconomyservices@gmail.com www.dpeconomyservices.com They specialise in providing general home/ building repairs, painting, complete renovations/


80 Shedden Road, Elizabethan Square, GT


Paint Pros Ltd.

Creative Tech is the authorised dealer for

Tel: (345) 949 7767

Bose, Sonos, Paradigm, Samsung, Marantz, Denon, Lutron, URC, and other leading AV brands in the Cayman Islands. They provide design, sales, installation and aftersales support for audio visual systems for residential and corporate clients. From flat screen TVs and home theatre solutions, to whole-house A/V solutions and automation

Roofing Choosing a new roof for your existing home can be a daunting exercise when there’s such a wide range of materials and styles to choose from. We recommend these roofing companies to help you make the right choice:

systems. Full manufacturers’ warranties are also offered.

Hydes & Sons Ltd. Tel: (345) 949 7062

Home Security Systems & Monitoring Although Cayman is undoubtedly one of the safest islands in the Caribbean, a home security system, which monitors the smoke detectors and whether any doors or windows have been opened, is helpful for peace of mind. Nowadays, wireless security systems are preferred over hardwired technology that require drilling through walls and floors. Wireless systems are reliable, convenient to operate, easily upgraded and expanded, and can even move with you







Precision Roofing Tel: (345) 916 7823 Watler’s Metal Products Tel: (345) 949 1699

Spray Foam Insulation Spray foam insulation is a popular alternative to traditional fibreglass insulation here in the Cayman Islands. It is well regarded for not sagging or slipping and creates a complete seal, keeping heat

and moisture out of buildings. It also has been proven to help keep roofs attached in the event of a hurricane.

64 Eastern Avenue, George Town

>> How long will you live in the house and

Tel: (345) 949 6348

will it be worth the financial outlay? Once you’ve thought about the answers and have a vision of what you want to achieve, then it’s worth investing in a professional contractor and landscape gardener.

Email: info@ediesdecor.ky Cayman Islands Spray Foam


Tel: (345) 326 6767

Complete upholstery services for sofas, chairs, headboards and more, in addition to decorative

Storage & Organising Solutions Basic wire racking for shelves can be bought from any home centre on-Island. For custom built shelving, contact either Custom Closets on (345) 526 6774 or Storage Solutions on (345) 525 2647.

accessories like custom throw pillows and bedding. They also stock and special-order fabrics. SE E AD PAG E 181 OUTDOOR LIVING & GARDENS

Outdoor areas are a key extension to homes in Cayman, thanks to the Island’s warm and mostly sunny climate. A well-designed outdoor space can add to the marketability of your property. If your outside area needs an overhaul, then here are some questions to consider before you begin the process: >> Do you need an entertainment area? >> Would you prefer serene and manicured gardens or a more natural area that children and pets can enjoy? >> How much time/money are you willing

Outdoor Living Areas Outdoor kitchens, BBQ areas, decking or stone patio areas, hot tubs and even fire pits can really elevate your outdoor living experience: The Outdoors A. L. Thompson’s, 189 North Sound Road Tel: (345) 949 8622 www.althompson.com A major department of A. L. Thompson’s, the


30,000-square foot ‘Outdoors’ carries one of the widest selections of outdoor goods in Cayman. They sell sheds, decking, pots, lawn ornaments, patio furniture, camping equipment, outdoor grills, smokers and a whole lot more. SEE AD PAGES 179, 183, 199, 234, 237


www. c a y m a n r e s i d e n t . c o m



Upholstery Services If you have a piece of furniture in your Cayman home that fits well and has a sound frame but has just got a bit tatty, don’t throw it out – consider having it reupholstered. It’s also cheaper than buying a brand new piece. We recommend the following company for your upholstery needs:

to spend on maintenance each month?

Edie’s Décor



Landscape Gardeners An experienced landscape gardener will approach each garden on an individual basis and will be able to create a detailed design based on your needs. If you are new to landscaping then there’s the danger that you could purchase a lot of plants and accessories that don’t work together, let alone survive in the Cayman sun! A landscape gardener will understand which plants work best with your property’s terrain and conditions. They will also know what plants are the most durable, which shrubs or trees can provide good shade and increase your privacy, plus advise on long term garden maintenance. It is worth noting that the cost of irrigating gardens, especially manicured lawns, can be very expensive.

Paradise Landscaping

Garden Trends

Tel: (345) 547 1530

Native plants and trees – Local garden centres

Email: giles@paradise.ky

stock a wide assortment of native and nonnative species of plants and trees. There is a huge variety of bright and beautiful options including Tabebuia, Lantana, Bromeliads, Adenium and Bougainvillea. Edible Gardens – Produce gardens can be a bit tricky to establish and maintain, but the wait is well worth it. Locally grown tomatoes are delicious, as are salad leaves and herbs. If you have the space, consider planting fruit trees — they’re great for providing shade too! Vertical gardens – These ‘living walls’ add a personal touch to patios and balconies. However keep in mind they are an expensive addition. Artificial Turf – Many homeowners are turning to artificial turf for a lowmaintenance landscaping solution. Not only can you guarantee your lawn always looks great, but once you get past the initial high cost of installation, it’s a great money saving move. For a list of garden centres please refer to the Shopping chapter.

www.paradise.ky Paradise




creative and quality landscape design and maintenance. Their well-trained staff have a meticulous attention to detail and can design, install and maintain extraordinary outdoor spaces personalised to suit your own unique style. The owner, Giles Smith, has been a professional in the landscaping arena for decades. SEE AD PAGE 171 Power Flower 31 Orchard Lane, Off Crewe Road, George Town Tel: (345) 949 2256 Email: office@powerflower.ky www.powerflower.ky

Cayman Growers

Specialising in the fine art of balance in landscape

Tel: (345) 323 0722

design, Power Flower considers your needs, style

Email: caymangrowers@candw.ky

and budget when designing your ideal garden.

A complete landscape company offering design,

Through careful planning and execution, their

installation, irrigation and lighting services.

professional landscape design and installation staff work hard to ensure a client’s space delivers

Every Bloomin’ Thing (EBT)

exactly what they want.


384 Crewe Road, George Town Tel: (345) 945 1701

Vigoro Nursery & Landscaping

Email: landscape@ebt.com.ky or ebt.com.ky

96 Agricola Drive, Lower Valley

An elite, full-service landscape firm offering

Tel: (345) 949 4270

an extensive range of services including:

Email: tom.balon@vigoro.ky or

landscape and irrigation consultation, design,

craig.stewart@vigoro.ky or www.vigoro.ky

installation, and maintenance. Landscape low-

Vigoro has been providing landscaping services

voltage lighting, pest management and tree

in Cayman for almost 50 years. Their services

pruning. Located at the Every Bloomin’ Thing

include all areas of gardening and landscaping,

Garden Centre on Crewe Road, with services

including design, maintenance, construction,

provided Island-wide.

irrigation, stone/hardscape, water features, misters, lighting and artificial lawns.


• Landscape Design • Garden Maintenance • Fertilization & Pest Control

• Tree Services • Irrigation • Interior Scapes

Office: 1(345) 949 2256

Nursery Direct: 1(345) 321 0308






• Plant Nursery • Plant & Prop Rental


A swimming pool is a great addition to any home in the Cayman Islands, providing a year-round source of recreation for both adults and children. It is worth noting that a pool will cost approximately CI$200 a month to maintain, and adds significantly to the cost of your electricity bill and potentially your water bill. For tips on how to run an energy-efficient pool refer to the Being Green chapter. Swimming Pool Trends Depending on your budget there are several types of pools and pool features to consider: >> Zero entries create a beach style entry into the pool. The entryway slopes into the pool as if you’re walking into the sea. The shallow area is a great spot to let supervised children play. >> Plunge pools are perfect for a smaller outdoor space and a swim jet can allow







Pool Safety Tips for Kids Having a pool comes with serious responsibility. While pool-related tragedies are rare in Cayman, a few have occurred in the past. Every homeowner with a pool should follow these basic safety tips: >> Always supervise children when they are in or near a pool, and always ensure that those in a supervisory role are good swimmers! >> Make sure everyone in your family learns to swim, including nannies and caretakers. >> Secure your pool with barriers. >> Install and use a lockable safety cover. >> Install pool and gate alarms to alert you when children go near the water. >> Keep life vests and an emergency flotation device near the pool. >> Everyone in the family should learn how to perform CPR and do basic water rescue training. The Red Cross offers certification programmes. >> Keep your pool clean and maintain proper chemical levels to minimise the risk of earaches and rashes. The following companies in Cayman can

install and maintain your swimming pool: Oasis Pool & Spa Tel: (345) 945 7665 Email: james@oasis.ky www.oasispoolscayman.com Oasis Pool & Spa provides comprehensive outdoor living construction service. From design to completion, they are with you every step of the way to create your dream pool, patio, cabana and outdoor kitchen. Oasis can also renovate your existing pool and patio. SE E AD PAG E 172

Pool Patrol Tel: (345) 949 8543 Email: pools@poolpatrol.ky www.poolpatrol.ky Pool Patrol offers you services every step of the way, from pool design and DEH submissions to the final pool and spa construction. They can build your pool from scratch or renovate an existing pool, bringing it back to its former glory. SE E


PAG E 173

Sheer descents and sheer rain features

are water features that can be built into a wall or planter. A sheer descent provides a perfect sheet of water and is a great addition to enhance poolside hardscapes. A sheer rain feature creates a calming and tranquil effect. Waterfalls add visual interest to standard shaped pools. Rocks and boulders can be used to create a striking effect and adds a very relaxing ambience. Swim-up bars with submerged seating are a common resort-style feature and offer a great way to entertain guests and also stay cool. Acrylic wall pools are rare due to cost, but can massively differentiate a property, and add a distinct luxury feel to your outdoor area.


We Specialise in: • Full retail store with Cayman’s largest inventory of pool/spa & backyard products • Fully trained and certified staff • Pool and spa service & repairs - commercial and residential • Consultation, design, construction and renovation services Tel: 949-8543





www. c a y m a n r e s i d e n t . c o m




you to swim laps against a current. Infinity edge pools produce a visual effect of the water extending to the horizon and are particularly impressive where the infinity edge appears to merge with the ocean or canal. Perimeter overflow pools are an evolution of the infinity pool where the water constantly flows over the edge of the pool. The water runs into a hidden catch basin and is then re-circulated into the pool. These pools are perfect for properties with a view. Similarly, some property owners are opting for perimeter overflow spas, where the spa is located in the pool and functions as one system, giving the impression that it is floating in the pool. Deck laminars provide a dual function as a calming water feature. Like those seen in water parks, the jets of water exit the patio from hidden fixtures and cascade in arcs into the pool. They are also available with fibre optic or LED lighting options that illuminate the entire stream of water.

Cayman Building in

Photos courtesy of Monika Wojtkiewicz and Deep Blue Images.

How to build a home in Cayman, building environmentally friendly homes, suggestions on selecting a team, architects, land surveyors, general contractors and structural engineers.





Building in Cayman - Dream, Investment or Both - Selecting a Site - Budget vs. Reality

186 186 187 187

Building Options - Design/Build - Construction Management - Design/Bid/Build - Selecting Your Team - Building Greener - Blocks & Insulated Concrete Forms - Roofing

189 189 189 189 190 19 1 192 192

Building Professionals - Architects - Construction Management - General Contractors - Land Surveyors - Quantity Surveyors - Structural Engineers

193 193 193 194 194 194 195



An inevitable truth about building, whether it be a home or commercial property, is that you will encounter hurdles along the way. For most people, it will amount to one of the most significant investments of their lives, tying them to a large debt that can take decades to pay off! However making smart and informed choices can significantly reduce the stress and associated costs of building which, for some, is a process that can last several years. Construction horror stories or advice exchanged at dinner parties is usually not the most reliable form of information, so getting some professional guidance before beginning may help you to decide whether you have the fortitude, money and patience to weather the process. Read on for things to consider when building in Cayman. Dream, Investment or Both An essential element in feasibility planning is weighing the importance of financial investment against less tangible personal goals. Analysing the financial investment is made relatively straight forward through calculating all costs (including mortgage interest) against possible return; however, it is often the subjective factors that can complicate decision-making, such as a desire to say “I did it my way…”. Obtaining advice from reputable professionals can allow you to concentrate on what you do best, without repeating some classic pitfalls of a first-time developer.

Selecting a Site Beyond the obvious location factors of convenience to work, schools and shopping, do some research on the area — find out if any nearby road improvements are proposed or the potential incompatibility of approved neighbouring land uses. A quick online check of the zoning map on the Central Planning Authority website will allow you to see land uses proposed for an area and the specific zoning of the parcel you are considering. Although you should be able to glean this information from your realtor, surveyor or architect, a little due diligence may reveal a lot. For commercial properties this is particularly important since proposals for a parcel requiring rezoning may take years to plan and obtain required approvals.

the approximate size of the property that meets your needs. Remember, however, that looking at building plans online does not make you an expert and many house plans found online are generally suited to North America or Europe and may not be appropriate to Cayman. Construction techniques and building codes, weather patterns and climate on-Island can be very different to those found elsewhere. Those minimalist architectural wonders that you have fallen in love with may cost a fortune when translated into the Cayman context.

What Do You Want? Think carefully about the layout and configuration of your house or building, and how this will work for your personal needs and objectives. Draw inspiration from online floor plans and design resources such as Pinterest or Houzz. Save any photos that inspire you and use these images to illustrate the home or office that suits your lifestyle or professional requirements. An inventory of rooms and spaces will also help determine

Budget vs. Reality All too often rough area construction costs ($ per sq ft) are used for budgeting in place of realistic assessments of probable development costs. Fooling yourself that a building will cost $x/sq ft multiplied by an approximate area is usually a recipe for disappointment or frustration later in the process. A quantity surveyor may provide you with a detailed breakdown of actual costs to expect, such as:


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Geotechnical Testing Many older subdivisions built on reclaimed land have ‘marl’ fill placed over original ‘peat’ material to bring up the elevation. This ‘peat’ layer may be a mixture of sand, rocks and organic solids unsuitable

for supporting the weight of a building. The replacement of this material with ‘engineered fill’ or the design of pile foundations to penetrate down to a solid bearing material will add large costs to a building which must be considered. An engineer can drill or dig test holes for a modest fee to allow some cost planning for foundations. Often, the engineer’s local knowledge will be sufficient to predict general soil conditions. This might even be a prudent condition of a land sale if problematic soil conditions are expected.

— Building permits (planning permission, infrastructure fees, etc.), stamp duty, licenses, professional fees (architect, engineer, surveyor), legal fees and utility connection deposits must be carefully factored into your overall costs. For commercial properties promotion, marketing and financing costs must also be considered. For rental properties initial period vacancy rates are estimated in order to predict cost of holding unleased space. Hard Costs — Land, construction costs including normal contractor costs (overhead, profit and supervision), landscaping, major appliances and site furnishings must be considered. Typically, a contingency fee (between 5%-10%) is usually included in estimates to account for the unexpected, which include owner changes, site conditions or material cost increases. Making a realistic cost plan can provide a useful indication of the cash flow requirements during the process which will be of interest to potential lenders and can allow you to calculate carrying costs or requirements for interim financing. Soft Costs


345(949)2727 | info@chalmersgibbs.ky WWW.CHALMERSGIBBS.KY

Taking Cayman’s corporate offices to new heights. Contact us for a no obligation design consultation. 14


Scheduling The length of time that is required to complete the full cycle of planning, financing, design, commissioning of a building and construction often comes as a surprise to ‘proto’ developers. A period of up to several years may be required for a large residence or commercial property once all the factors have been considered. When projects are geared towards completion for a specific date, planning can become critical – a homeowner entertaining visitors from abroad, a store owner aiming for a holiday retail season, or a company gearing their move-in date around an annual business cycle all need to plan for the unexpected or even the unthinkable. Delays in obtaining statutory approvals, order time for materials or equipment, adverse weather conditions, and design revisions must be considered for a well-planned project. Good Design – Value Added? The area of professional services is often a difficult one to apply a cost-benefit rule of thumb. A DIY homeowner downloading a set of plans from the internet or trying to design their property themselves may save thousands on architect’s fees but can also end up spending even more in construction costs due to delays, cost overruns or approval issues than if they had just hired a professional to draft an accurate, detailed set of construction documents. Professional fees (architecture, interior design, engineering, survey), which can quickly constitute 10%-15% of the overall construction budget, will inevitably be value added to the building. However, unlike commodities, it is sometimes difficult to assess the worth. The DIY designer will naturally love their own creation to the extent of remaining oblivious to their dysfunctional end-result, and triumphant they have saved money. If the cost of their time or construction stage change orders was considered, the saving may well be insignificant. 188




There are several general models of how construction contracts are structured and there are good reasons to recommend one over another in particular situations.

works for the owner on a fixed management fee, they are typically not profiting from changes in the work or work sequence. Design/Bid/Build This is the traditional method of procurement where an owner works with an architectural designer and related professionals to produce detailed drawings and specifications (often with cost reports). General contractors are invited to offer competitive tenders based on a detailed estimate of the documents within a fixed tender period. This approach has the primary advantage of cost competitiveness and a detailed set of documents will be the best guarantee of maintaining cost control during the process. Some disadvantages of this approach may be: (1) significant time is required for detailed document preparation and the tender period and (2) document errors or revisions to the contract may result in some loss of cost control since changes could be costly. The Design-Build project has the


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Design/Build A general contractor with in-house or subcontracted design expertise (designbuilder) can often offer a streamlined package which is attractive to busy people not wanting hands-on involvement in the process beyond initial design and material selection. This ‘one-stop’ approach to a contract is typically a fixed price attached to a material specification and set of design documents. The main advantages of this approach are: (1) convenience (2) guarantee of final cost and (3) minimum risk for the owner. Some disadvantages may be: (1) loss of some flexibility during the process (2) the added cost of the convenience factor and (3) no independent control of quality.

Construction Management In this scenario a ‘construction manager’ (typically a quantity surveyor) will offer a fixed cost to manage the entire process either from the outset or based on a set of construction documents and specifications (prepared independently). The construction manager is functioning in the role of general contractor yet employed by the owner. The advantages of this form of contract are typically: (1) flexibility during construction (2) market competition in sub-trade contracts and (3) cost control flexibility. Some disadvantages of this approach are: (1) risk for sub-trades is assumed by the owner (rather than the construction manager) and (2) loss of market competition in contractor cost (fixed fee for supervision). This is typically an excellent strategy where a project needs to be rushed (or fast-tracked in industry jargon) and there is insufficient time to prepare detailed, coordinated documents for bid. Another good reason might be if there is likely to be a lot of changes during the design-construction process. Since the construction manager





Unit 2, 27 Sleepy Hollow Drive. P.O.Box 30909 T: 345.516.2078 or 345.947.4879 | W: ambconstructioncayman.com | E: info@ambltd.org Visit us on Facebook!




overwhelming advantage of convenience. By contrast, the traditional Design-BidBuild and Construction Management approaches have the advantage of the competitive marketplace with multiple contractor estimates (and the possibility of cost-saving). The traditional/construction manager contracts may allow a high degree of control since design and construction stages will involve an independent professional hired directly by the owner. Selecting Your Team Before making any decisions about a direction for your particular project, talk to professionals knowledgeable in the construction industry in Cayman. Architects, builders and quantity surveyors will usually be willing to share their experience at no obligation. Each method described previously has its devotees and detractors and it is ultimately up to the owner to decide which of the various methods will be a good fit. Seeking professional help from someone with a detailed working knowledge of these procurement options and how they work in the Cayman Islands can help you make an informed choice. Do not simply copy what someone else has done. It is important that you choose an approach after weighing all the pros and cons. While each approach may have a very different risk profile to you (after all some people like to base-jump, while others would rather take a nice stroll along the beach), it is very important that you own this decision fully. Whatever approach you choose, it will be the people you select to work with and manage the process, who will be the key players in developing and managing a successful project. Consider the following when choosing your design and build professionals: integrity and reputation should always be main ingredients when selecting people, so look at current, recent and past jobs, talk to past customers and check their payment and litigation history. Choose design professionals who

homes, kitchens are now the focal point; they are usually free flowing spaces that are well integrated into the rest of a home, and also the primary place for entertaining. If you want a kitchen that is well-designed and suited to your lifestyle, then we recommend the following two companies who have a proven track record and lots of examples of beautiful kitchens they have designed: Bon Vivant (Tel: (345) 623 2665 or visit www.bonvivant.ky) which is the luxury kitchenware and design store in Camana Bay and also Pooley Cabinets Design Studio (Tel: (345) 947 6780 or visit www.pooleycabinets.com) who specialise in custom cabinetry design and installation. Their in-house designer can provide expert advice on kitchen design. Designing a Security System To have an electronic security system that is well integrated into the design of your new home, a plan should be drafted at the conceptual stages. You, your architect and an experienced security professional should

work closely together to identify your needs and see what technology will be suitable to achieve your goals. Building Greener Anyone planning on building a home or office in Cayman will now find a host of options for more environmentally responsible construction, from using recycled building materials and timber from sustainable sources, to alternative energy and waste water systems and home automation systems. Solar power and solar energy storage units are popular options for homeowners thanks to the Island’s year-round sunshine. LEED certification is available on-Island to ensure your home is truly green. Technology is constantly progressing so talk to the experts about your options. For more information on renewable energy and waste water systems, refer to the Being Green chapter. Insulate the exterior walls and roof of your home. Make sure your new home is orientated to make effective use of the prevailing wind and windows are not designed to fill

Interior Design in the Building Process Consider hiring an experienced interior designer and kitchen designer to look over your plans with your architect before they go to the builders. A qualified designer can look at architectural plans and work out whether the space and dimensions allowed will work or raise potential problems and limitations. They will look at the plans, room by room, and work out their function, including ease of access, amount of light, acoustics, seating and places to store or set things down. They will also consider how the space will be used, whether it will be for work, leisure or entertainment, and their goal will be to create a unified whole. For more information on Interior Designers refer to the Home Improvements chapter. For your kitchen, finding a designer who specialises in creating functional, beautiful spaces is essential. In today’s modern


www. c a y m a n r e s i d e n t . c o m




are adaptable and have a team spirit. Ask your contractor, construction manager and architect to provide a checklist and procedures for administering, inspecting and testing the various stages of your project. It is strongly recommended that you meet everyone who will be a part of making your project a success. Make sure you establish a good working relationship and feel comfortable with all the people who are involved. Enquire about their current workload — can they handle your job and give you the attention and support you desire? Can you communicate with this individual or team openly? It is important that you do your homework, take your time and make sure that all of the design professionals you intend to engage carry professional indemnity insurance. Only agree to terms after you are absolutely sure you have the ‘dream’ team that truly has your best interests at heart! While there are many components to consider carefully, some being significantly challenging and time consuming, building your own home is an exciting project and for many people, it is a dream come true; so you should endeavour to have some fun too!


flat sheets, steel stud and tracks, architectural

rectangular pavers and cobblestone pavers.

components and custom shapes and signs.



Insulated Concrete Forms If you want to insulate yourself from the ambient sounds of the outside world, Insulated Concrete Forms (ICF) may be the right option. ICFs are forms used to hold fresh concrete in place permanently, providing added insulation for your home. Not only are ICFs excellent for protecting the structural integrity of your home during severe weather, it also provides highly effective insulation to keep the heat out.

Driveway & Walkway Surfacing

Flowers Group

Flowers Group

184 Seymour Road, Industrial Park

184 Seymour Road, Industrial Park

Tel: (345) 623 0000

Tel: (345) 623 0000

Email: customerservice@flowersgroup.com

Email: customerservice@flowersgroup.com



Established by pioneer Clarence L. Flowers, the

The Flowers Foam Products division of the

Flowers Block division of the Flowers Group


specialises in the manufacturing and delivery


of concrete products including building blocks,

including Insulated Concrete Forms (ICF), foam

Roofing The old adage, that you should always have a good roof over your head, is essential wisdom in a country that suffers from the occasional hurricane and the quintessentially heavy downpour which is standard during the region’s rainy season. Not only will a good roof help to keep you dry, but due to Cayman’s hot

the house with the heat of the afternoon sun. The classic plantation houses of the Caribbean are always designed to allow the prevailing breeze to flow through the house. Take a lesson from history and ensure that your architect incorporates similar thinking into your home design. Green construction in Cayman is recognised by the Governor’s Award for Design and Construction Excellence in Sustainability and the Environment. The idea of the award is to foster and maintain innovation, sustainability and excellence in the Cayman Islands’ construction industry.





Flowers Group Tel: (345) 623 0000 www.flowersgroup.com Part of the Flowers Group, Flowers Block provides a wide selection of pavers, including cobblestones in numerous colours and sizes. SE E AD T H I S PAG E

Island Paving Tel: (345) 949 8294

Concrete Blocks & Pavers









FLOWERS FOAM PRODUCTS 623-0000 A Division of The Flowers Group

A new generation of construction innovation technology from a name you can trust

Insulated Concrete Forms (ICF’s)

Architectural Shapes

• Poured concrete walls with reinforced steel • Hurricane resistant • Lower energy costs • Sound Transmission control qualities • High production capacity • Cost effective • Can be used for Commercial, Residential or Industrial Projects

• Flexibility of shapes • Custom look • Manufactured locally to specification • Easy installation,cost effective • Columns Pediment • Arches • Bases & Caps



Architectural Shapes

Foam Flat Sheets

Foam Flat Sheets

(for pre-existing concrete walls) • Insulation qualities • Sound transmission qualities • Lower energy costs

Custom Foam Signs • Ideal for entryways • Manufactured locally to any specification Custom Foam Signs

Steel Studs • Steel Studs and tracks in a variety of lengths and gouges to specifications

Cay Deck • Foam Insulation Flooring Systems • Insulation for floors decks and roofs

Steel Studs

E: customerservice@flowersgroup.com • W: www.flowersgroup.com • T: 345 623-0000

Available at Flowers Block Factory 192


184 Seymour Drive


off North Sound Rd

Cay Deck

Industrial Park • A member of the Flowers Group

and humid climate, it can also keep your house cool if constructed accordingly. In Cayman, roofing choices are numerous: light-weight metal standing-seam (great for adding solar panels later), aluminium, prefabricated truss frame, solar, snap-lock, shingles and Spanish tiles. Do not be fooled by going for the cheapest roofer. Ask for a detailed quote and count exactly how many stainless steel pins they will use to hold the roof in place, and if it is half the number of the other company with a more expensive quote, then you have your answer: your roof may well be flying off during a major hurricane. We recommend the following roofing contractors:

managing director, Donal McGrath RIBA, has

John Doak Architecture

over 30 years of professional experience in

Tel: (345) 946 3625

the Cayman Islands. The primary focus of the

Email: doak@johndoak.com

practice is to create high-quality, aesthetically




With 40 years in the Cayman Islands and

architecture which responds to the client’s

across the Caribbean, John Doak’s renowned

functional requirements and budget.

design-build services for residential, resort and


commercial projects have been recognised by Chalmers Gibbs Architects

international awards and through international

Tel: (345) 949 2727

media and publications. His firm’s services include:

Email: info@chalmersgibbs.ky

architecture, imagineering, engineering, interior








Architects offers professional architecture,




feasibility studies, construction administration and project management. SE E AD PAG E 187

planning and interior design services. Building design




commercial, retail, industrial, hotel resort

OA+D Architects Tel: (345) 945 2979

Hydes & Sons Ltd.

and institutional projects. Other specialised

Tel: (345) 949 7062

services include 3D modelling, brochure

OBM International

graphics, feasibility studies and space planning.

Tel: (345) 949 8115

Precision Roofing




Tel: (345) 916 7823

Trio Architecture Tel: (345) 525 0777


Tel: (345) 949 1699

Chartered Architect, RIBA: Tel: (345) 916 0930


Email: brian@design-cayman.ky

Mike Stroh created Trio Architecture in 2006,


to offer the highest level of architectural,

An award-winning firm led by qualified

engineering and interior design services

Architects with over 30 years of combined

to the Caribbean and South Florida. Their

experience has been serving Cayman for over

professional expertise covers commercial,

ten years. Design (Cayman) provides hands-on

hospitality and residential projects. Services

design solutions and fun, professional services

include: architecture, engineering, schematic





construction administration and coordination,

Desalination Systems Advanced home desalination systems that purify sea water and brackish ground water are sold in the Cayman Islands. Advance Fire & Plumbing specialise in these systems. You can contact them on Tel: (345) 949 8330, email: info@advancefireltd.com or see www.advancefireltd.com.












planning, BIM management and virtual design,

Email: mike@trio-design.net





and more. SE E AD PAG E 194


renovations, and additions. They also present

Architects The following is a list of Cayman Islands architectural firms whose staff are registered and qualified in accordance with the professional standards of the Royal Institute of British Architects, the Royal Institute of Canada and the American Institute of Architects. Many of these firms also have experienced project managers on staff as well as interior designers.

a strong focus on sustainability, planned area

Tropical Architectural Group

developments, construction and relocation

Tel: (345) 947 5849

management. SE E AD PAG E 189

Construction Management DDL Studio Ltd.

BCQS International

Tel: (345) 943 3622

Tel: (345) 949 8644

Email: info@ddlstudio.com Build Cayman

www.ddlstudio.com Services include: architecture, interior design, project



Tel: (345) 949 0471


BDCL Architects

quantity surveying, valuations/appraisals and

Cornerstone Group

Tel: (345) 925 4909

feasibility studies.

Tel: (345) 938 1009 Email: info@cornerstonegroup.ky

Email: dmcgrath@bdcl.ky or www.bdcl.ky An architecture, interior design and project

Frederick + McRae Ltd.

management firm based in Grand Cayman. The

Tel: (345) 926 8049 or (345) 926 3601


www. c a y m a n r e s i d e n t . c o m



Design (Cayman) Architects Watler’s Metal Products

Encompass Ltd.

Email: info@ambltd.org

Encompass Ltd.

Tel: (345) 938 0850


10 Market Street, Camana Bay, Box 382

Email: ekline@encompasscayman.com

AMB Construction is service driven, specialising

Tel: (345) 938 0850


in residential and commercial builds, fit-outs,

Email: ekline@encompasscayman.com

Encompass Cayman provides project management



services for a more hands on construction process,



Encompass Ltd. specialises in creating

and a more integrated role in the fiscal aspects of

developers, architects, subcontractors and

homes that are inspirational, providing

their project. SE E AD PAG E 190

suppliers that help expedite key responsibilities.


AMB ensures that your quality project begins and

Design/Build services. Their experienced

General Contractors

finishes on schedule with an efficient transition

team has in-depth knowledge of building

AMB Construction

to facility opening and operation. SE E AD PAG E 190

luxury homes and resorts. Encompass has

and with

repairs. building



Tel: (345) 516 2078



established relationships with suppliers around the world, enabling them to create exceptional




budgets for maximum value. SE E AD PAG E 190 Le Habitat Ltd.


Bringing a higher level of service to our clients Reliable, Accurate & Efficient with over 20 years experience Boundary re-establishments | Subdivisions Combinations | Strata Surveys | Topographical surveys


CALL FOR A FREE ESTIMATE: 345.947.1582 M: 345.925.2816 • info@survey.ky • www.survey.ky

Tel: (345) 949 6688 McAlpine Ltd. Tel: (345) 949 4666 Phoenix Construction Tel: (345) 945 8001

Land Surveyors Abernethy & Associates Ltd. 96 Mary Street, George Town Tel: (345) 947 1582 Email: info@survey.ky or www.survey.ky Abernethy & Associates Ltd. is a land surveying company owned by Greg Abernethy, who brings over 25 years of experience to his clients. Specialising in legal boundary re-establishments, subdivisions,




incorporations, Abernethy & Associates use the latest GPS technology and are fully equipped to perform civil engineering and building set outs. SE E AD T H I S PAG E

Cayman Survey Associates Ltd. Tel: (345) 945 9222

Quantity Surveyors & Project Managers These businesses can calculate and manage the cost of your construction project. Blue Point Consultants Tel: (345) 525 0706 Email: info@bluepointproperty.com 194



www.bluepointproperty.com RICS registered valuer offering property valuations, development appraisals, feasibility studies, acquisitions and disposals, consulting on landlord and tenant issues, property searches, reinstatement cost for insurance purposes and loss adjusting. Specialising in hotels and resorts. SE E AD PAG E 148 BCQS International Tel: (345) 949 8644 Charterland A1 Plaza Venezia, North Sound Road Tel: (345) 623 2772 Email: info@charterland.ky www.charterland.ky Professional services include: Quantity


surveying and cost consulting, valuations and appraisals, feasibility studies, commercial, residential and strata property management and insurance loss adjusting.


DDL Studio Ltd. Tel: (345) 943 3622 JEC Property Consultants Ltd. Tel: (345) 945 5930 Email: contact@jec.ky or www.jec.ky Services: Development advice, development feasibility studies and appraisals, construction cost estimating, construction and project management, quantity





management, construction contract advice and dispute resolution. SEE AD THIS PAGE & PAGE 149

Structural Engineers AMR Consulting Engineers Cannon Place, North Sound Road, Ind. Park Tel: (345) 949 2716 Email: info@amr.ky or visit www.amr.ky Value engineered structural and civil design solutions




institutional, industrial and Cayman Islands Government projects. Other services include: geotechnical engineering, structural surveys, environmental



management, piling inspection and testing, CAD (AutoCAD and REVIT) draughting, structural analysis, site surveying/monitoring and project management. SE E AD T H I S PAG E


www. c a y m a n r e s i d e n t . c o m




Photos courtesy of Deep Blue Images and DRCL/Camana Bay©.

Ways to live a greener lifestyle at home and at work, including how to recycle and what’s happening with Cayman’s waste management.



Being Green in Cayman 196 Waste Management in Cayman

19 7

Recycling Locations 

19 7

Sustainable Eating 


At Work  200


At Home - Reduce, Recycle, Reuse & Refuse - Household Appliances

200 200 2 01

When Building


Powering your Home  - Solar Power - Home Energy Storage - Solar Farms

202 202 203 203

Swimming Pools


Get Involved in the Green Community - Plastic Free Cayman

203 203




ver the past few years, Cayman residents have made a significant shift towards more eco-friendly thinking, with the public taking steps to build a greener future for the Island. The Government’s controversial cruise berthing facility plan has dominated conversation during 2019, as residents have voiced their fears over the irreversible damage the project will have on the ecosystem and Cayman’s tourism product. The success of the grassroots initiative by the Cruise Port Referendum (CPR) volunteers has motivated the public to take matters into their own hands on other issues, such as saving Barkers Beach. Cayman’s youth have also been demanding change. Students from across the Island took part in the Global Climate Strike by demonstrating on Government steps, urging those in power to address the Island’s environmental issues and take action to solve them. The community has been making a conscious effort to raise awareness about the dangers of plastic pollution, with local nonprofit organisation Plastic Free Cayman holding monthly beach or inland clean-ups, hosting educational events and creating the ‘345 Pledge’, to encourage individuals, businesses and schools to make waste-reducing changes. Trash Talks Cayman have been producing art made solely from the garbage found on Cayman’s shores; the pieces are on display across the Island as a stark reminder of our plastic pollution problem. Grocery stores Island-wide are stocking more eco-friendly alternatives to single-use plastics, with glass and metal drinking straws, plastic-free wooden toothbrushes, reusable

water bottles, and canvas produce bags, among the most commonly found items. Hurley’s has even banned single-use plastic bags at their checkouts. On a small Island like Cayman, holding people accountable for their actions, or lack of, can make a real difference, so visit establishments with eco-friendly practices and boycott those that are doing nothing. WASTE MANAGEMENT IN CAYMAN

New Integrated Solid Waste Management System (ISWMS) The proposed Integrated Solid Waste Management System (ISWMS), which, subject to Government approval, is proposed to be built to the east of the Waste Water Treatment plant, will include a wasteto-energy plant and a recycling centre. The ISWMS will include a new landfill that


❑❑ Camana Bay Recycling Centre ❑❑ All supermarkets including Foster’s,

Kirk Market and Hurley’s

❑❑ Some public and private schools ❑❑ Government Administration Building ❑❑ North Side Civic Centre, North Side ❑❑ All five District Parks GLASS RECYCLING

❑❑ Camana Bay Recycling Centre ❑❑ All Foster’s locations ❑❑ Kirk Market, George Town ❑❑ All five District Parks



❑❑ All Foster’s locations ❑❑ Kirk Market and Hurley’s ❑❑ All five District Parks BATTERIES

❑❑ Lead acid car batteries: Drop off at the DEH Landfill for proper recycling

❑❑ Small household batteries: place in the blue tubes at Foster’s, Hurley’s, CostU-Less, some public businesses and condos

❑❑ Rechargeable batteries (computer,

camera and cell phone batteries): drop off at Funky Tangs or BrandSource for shipment to the US for recycling


❑❑ Deliver to the DEH Landfill public

dropoff, call Recycling Services (Tel: (345) 547 6654), JUNK Removal and Recycling (Tel: (345) 325 5865) or Cayman Islands Ltd Electronic Recycling (Tel: (345) 916 6764) for stripping and recycling in the US


❑❑ Drop off at the Humane Society, One Dog at a Time charity shop or the Red Cross


❑❑ Drop off at DEH Landfill (they will mulch it) or start your own compost




Drop off at DEH Landfill

www. c a y m a n r e s i d e n t . c o m



Current Landfill Site One of the most pressing environmental issues for the community is the George Town landfill site. The 80ft pile of rubbish can be seen from offshore and is visible to thousands of cruise ship tourists every day. It has caused numerous toxic fires, forcing surrounding schools and businesses to close and, as the landfill is not lined, it’s feared it may be contaminating the surrounding water-table. The amount of solid waste that commercial and residential properties produce has almost doubled since 2012 and it is predicted that the landfill will reach capacity by 2021. The latest plan to tackle Cayman’s evergrowing landfill site, as announced at the end of 2017, is to create a comprehensive Integrated Solid Waste Management System (ISWMS) as a public-private partnership. A private consortium of companies, led by Dart Enterprises, will take over responsibility for the treatment of all waste management in the Cayman Islands for the next 25 years, working alongside the Department of Environmental Health who will continue to collect waste on the Islands. After the completion of an Environmental Impact Assessment, the contract for the ISWMS is expected to be signed in early 2020, and construction is likely to begin shortly thereafter. It is unlikely that all of the facilities will be operational by the end of 2021, when the landfill is predicted to reach capacity, as some facilities – like the waste-to-energy plant – are expected to take at least three years to complete. Until then, the landfill will continue to expand laterally after the height capacity has been reached.

Cayman is already benefiting from the environmental awareness and legislation from other countries, as larger producers take responsibility for making their products more sustainable. Yet it remains crucial to slow the increasing flow of rubbish to the landfill. The Government is making efforts to shred used tyres, recycle materials and bale scrap metals so that these objects do not take up valuable space in the landfill, whilst also trying to educate both schools and the general public on the importance of home waste reduction. Nevertheless these changes rely on the participation of Cayman’s population, and people are urged to make the attitude and lifestyle changes required in order to reduce waste, and its environmental impact. As outlined in the new waste management strategy, when the current landfill site is closed, it will undergo surface water and landfill gas management, and then eventually it will be capped with around five feet of protective layering, and re-vegetated to create a recreational green space. The grounds will continue to be monitored to ensure the site performs within the approved parameters of safety, and landfill gases (such as methane and carbon dioxide) will be collected and transported to the thermo-recycling plant to be used as fuel. Over time, the overall height of the landfill is expected to decrease yearly by around 3%, and the contamination of the surrounding ground and wet-lands will also be reduced. New facilities will then be built which will manage all recyclable and non-recyclable waste for Grand Cayman and also Cayman Brac and Little Cayman. All rubbish will be shipped over to Grand Cayman for processing.



will be properly lined, and all incinerated waste will be disposed of correctly in the small controlled site. The goal is to reduce the volume of waste going to landfill for disposal by up to 95%. The electricity generated will be sold to Caribbean Utilities Company (CUC) and it is estimated that the ISWMS will contribute approximately 7.6 megawatts to the local grid. This translates to approximately 8% of the country’s electricity needs. At the facility’s recycling area there will be bays to collect and bale various recyclables, such as number 1 and 2 plastics. At present there will be no movement to further the amount of plastics that can be recycled in Cayman, as the ISWMS will eventually be used as an alternative way of recycling these products. The facility will also provide composting areas on all three Islands for horticulture/ yard waste, and there will be a reuse centre where people can deposit functional but unwanted goods and furniture. Toxic waste will continue to be disposed of offIsland. There will also be an educational component to the project which will encourage the community to embrace the concepts of reduce, reuse, recycle and recover. A significant amount of work needs to be done to educate the public so that current habits are changed and more recycling practices are encouraged across the three Islands. SUSTAINABLE EATING

A significant factor of sustainable living includes making the right choices when it comes to food. In Cayman, much of our food is imported and a considerable amount of energy, fuel and water is used in the entire process of growing, distributing, storing and cooking our food. Although choosing local produce is a great way to offset this energy from being used, in Cayman we do not always have the option to do that. Consciously eliminating food waste, however, can have the same desired effect of indirectly slowing down global warming and deforestation. Saving food also saves money, and by reducing the amount of food that you throw away, you 198



are reducing packaging waste that will end up in landfills. There are several ways to reduce food waste:

>> Check your pantry and fridge before you do your grocery shopping so you know what food you already have. >> Plan your meals ahead. Meal prepping is a great way to eliminate waste. >> Learn how to store your food properly as this can help it stay fresh for longer. >> If you can’t use it, freeze it! Choose Local While it is unlikely that Cayman will ever stop relying on imported food, the local agribusiness is flourishing. A wide variety of fresh produce can be bought at the Market at the Cricket Grounds next to the cricket pitch in George Town (MondayFridays from 8.30am and Saturdays from 6.30am) and from the Local Harvest Market at Camana Bay on Wednesdays from 10am-3pm. The grocery stores also stock a selection of local produce. There are a number of stalls dotted around the Island that sell fresh local produce as well. Tony sells Willies’ local farm produce from a white van on Airport Road (in front of the Mango Tree restaurant) every Saturday morning and Josh Clark sells fruit, vegetables, eggs and honey produced at his farm (The Farmacy). Find him just south of the North Side gas station on Frank Sound Road or he can deliver his farm fresh veg boxes right to your door for CI$35. To sign up, call (345) 928 0262, email caymanthefarmacy@hotmail.com or visit www.facebook.com/thefarmacycayman. Bluff Farms in Cayman Brac focuses on heritage goat breeds that are raised outdoors on top of the Bluff. Their meat is available to purchase at the farm in Cayman Brac and at their farm shop at Cannon Place, Grand Cayman. Email: sales@blufffarms.com or call (345) 926 3665. Refer to the Food & Drink chapter for more information on locally produced goods. Grow Your Own Following the success of the green iguana cull, gardens Island-wide are flourishing

as they are no longer losing flowers and foliage to these pests. There is a whole range of fruit and vegetables you can grow including tomatoes, leafy greens, herbs, eggplants, melons, bananas, mangoes and much more. The ideal growing season is November–April when it’s cooler and drier, however, you will need to water the plants regularly and look out for pests. You can pick up seeds or baby plants from any of the local nurseries, plus soil, organic pesticides and gardening tools. See the Shopping chapter for a list of garden centres. Shopping Green When grocery shopping make sure to buy the products with the least packaging, choose glass or other alternatives to plastic, and take canvas bags instead of paying 5¢ for a plastic bag. Alternatively, shop at Hurley’s where they have ditched single-use plastic bags altogether after discovering they were distributing 800,000 a year. They now offer reusable, recyclable and biodegradable paper bags in their place. Most of the supermarkets sell organic food and some, like Kirk Market and Foster’s sell a wide selection of both locally grown and imported organic produce, as well as organic meats, frozen food, gluten-free and luxury food. On the drink-front, Flowers Bottled Water produces delicious filtered chlorine-free water that they sell in large 5-gallon bottles which you can buy in most petrol stations or have delivered directly to your home or office. You can further reduce your plastic pollution by installing a Koola bottle-less water cooler. It acts like a mini water purification plant, connecting to your building’s water supply and filtering out chlorine, lead, phosphates and bacteria. For those who like to drink beer, the Cayman Islands Brewery produces an array of locally brewed beers. They recycle 300,000 of their glass bottles per year, and also recycle spent grains, yeast and water. They encourage individuals and bars to return empties for a CI$2 refund per case. White Tip Lager is a joint venture with the Department of Environment and the Guy Harvey Ocean Foundation with a portion of the profits

being donated to shark conservation work in Cayman’s waters. Another local brewery, 1981 Brewing Co., produces three quality craft beers as well as other limited edition beers produced in collaboration with local farmers. For more information see the Local and Specialty Beer section in our Food & Drink chapter.



Composting Composting – the natural biodegradation of organic materials – is a good way to recycle your leftover food and food scraps. Compost is primarily used as a fertiliser in soil, and can be useful to farmers, landscapers and nurseries. If you enjoy home gardening, making your own compost will certainly save you money on mulch and potting soil and it is a relatively easy activity to manage. Composting systems, typically described as ‘bins’, come in a variety of different sizes, but you can also make your own. A.L. Thompson’s usually have composting bins in stock. AT WORK

For the most part, work environments sit empty at night, so it is a waste of both energy and money if things are left on. Take these steps to ensure that your work environment is greener: turn off lights and air conditioning, and shut down computers before you leave at night. Set computers to energy-saving mode and don’t use screensavers – rather switch off your monitor. Eliminate unnecessary power use or ‘phantom power’ – the term used to describe the way devices use and waste electricity when they are not on – by unplugging electronics when not in use. Whilst at work, only print when necessary and print on both sides of the page when possible. Send e-cards for birthdays and special events rather than printing invitations. Collect office newspapers and take them to the Humane Society or One Dog At A Time. Stock the break room or office kitchen with reusable dishes and silverware and buy coffee, sugar and other consumables in bulk to avoid extra packaging. Cartridge Smart (Tel: 200



(345) 323 4313), a subsidiary of JUNK Cayman, will recycle and refill any printer cartridges, from small personal printers to large professional copiers. E-waste Cayman Islands Ltd Electronic Recycling (Tel: (345) 916 6764) is a new company that will take most old electronic equipment and recycle it in an environmentally friendly way. Kirk Office (Tel: (345) 623 5475) sells an array of recycled products in addition to a range of Energy Star certified electronics. They also accept your used batteries, ink and toner cartridges for recycling. Kirk Office also accepts old computers, printers, photocopiers, and fax machines. Encourage your employers to install JUNK (Tel: (345) 325 5865) recycling bins at your office. JUNK will assist you to install a programme that is tailor-made for every workplace, large or small. If your office has regular suppliers, check for sustainability initiatives built into their contracts. If you work at a school or in the hospitality industry, encourage your establishment to take Plastic Free Cayman’s 345 Pledge for Businesses, whereby you commit to making changes to reduce the business’ single-use plastic waste. The business will also receive a plaque, allowing customers to identify the eco-friendly practices. For more information about Plastic Free Cayman and their initiatives, see page 203. AT HOME

Whether you own or are renting a home, making environmentally friendly choices will help preserve our beautiful Island. Reduce, Recycle, Refuse, Reuse, With each resident in Cayman adding around 2,775lbs of waste to ‘Mount Trashmore’ each year, it is essential that we all strive to reduce, recycle, reuse and refuse to minimise our waste. All the major supermarkets on the Island now sell reusable woven shopping bags and charge 5¢ per plastic bag. They still offer plastic produce bags in the fruit and vegetable aisles and these are ending up in the landfill by the thousands. Boycott Styrofoam – it cannot be recycled and is one of the

biggest culprits of ocean pollution. Say no to single-use plastics, such as shopping bags, plastic produce bags, plastic straws, utensils, and disposable coffee cups. Buy mesh produce bags for fruit and vegetable purchases, reusable coffee cups and glass/ stainless steel straws. Reusable straws are available at Jessie’s Juice Bar, Fosters, Kirk Home Centre and Kirk Market. Reducing the amount of waste we personally generate ultimately reduces the amount of waste we send to the landfill. Recycling Recycling benefits the environment in a number of different ways. It reduces the amount of waste that is sent to landfills and conserves natural resources (such as water, timber and minerals). There are currently seven recycling depots; six of which are located at the Island’s three major supermarkets. The seventh and newest depot is located on the grounds of the North Side Civic Centre. Residents can recycle the following items at each of these locations: a) paper and cardboard, b) clean metal food cans (tin and aluminium), c) glass bottles and ceramic dishes and d) PET/PETE and HDPE plastics (#1 and #2). Be sure to check the bottom of containers for codes such as PET, PETE and HDPE or the 1 & 2 symbols. Read the signs at each depot and follow the instructions carefully. Remember to separate your waste at source. Make sure everything has been rinsed out and is clean, and don’t put plastic wrappers, plastic bags and cling wrap in with the #1 and #2 plastics. It is essential that no additional waste items are disposed of in recycling bins as they contaminate the recyclables and could cause them to be landfilled. Once collected, the materials are transported to the recycling building at the landfill, where they are sorted into material types, baled into compressed cubes and shipped by container to the US where they are sold to recycling facilities. Glass and ceramics are crushed locally by Dart and reused as aggregate. Old tyres are also shredded and used in housing

can be reached at (345) 325 5865, email manager@junk.ky or www.junk.ky. If you have old electronic equipment, such as computers, keyboards, and cables, Cayman Islands Ltd Electronic Recycling (Tel: (345) 916 6764) will collect them for free and recycle it. Cleaning Products Environmentally friendly cleaning products are becoming more common in Cayman’s stores, with all the major supermarkets now stocking a range of brands. These green products clean just as well as their harsh chemical-laden counterparts, but are made entirely out of natural ingredients which are non-toxic, free of phosphates, fillers, fragrance, chlorine, dyes and NPE. They are not tested on animals, nor do they contain animal additives. Another added benefit of these green products is that they are far better for the septic tank systems that most homes in Cayman have. Foster’s and Kirk Market lead the market in supplying safe cleaning products. Top Tips for Being Green Small choices can make a difference, so here are some ways you can reduce your impact on the environment:

>> >> >> >> >> >> >> >> >> >> >> >>

Purchase reusable bags to take with you to the grocery store Purchase food and cleaning items in bulk Buy glass food containers and reuse them Invest in high-quality, long-lasting products Take your own reusable containers when you get takeaway food Use your own reusable cups for your daily coffee or smoothie Avoid disposable cutlery Choose eco-friendly cleaning products Avoid toiletries that contain microbeads Swap to non-plastic alternatives e.g. a bamboo toothbrush or a mooncup Avoid products with palm oil Drink Flowers Bottled Water or tap water, which is perfectly safe, and use refillable bottles. Consider installing a ‘City Water Filter’ from www.ionfaucet.com to remove


the chlorine from tap water Be mindful of water usage and install a ‘low

>> >> >> >> >> >>

flow’ shower head to save water Use a drying rack or clothesline to dry clothes, rather than a dryer Only use the dishwasher and washing machine when you have a full load Set the A/C thermostat at the highest temperature you feel comfortable with Conserve energy by turning off lights, fans and electronic equipment when not in use. Use rechargeable batteries Recycle newspapers and towels by taking them to the Humane Society and donate

>> >> >>

magazines to the hospital Recycle old printers and laptops by donating them to schools or charities. Return clothes hangers to dry cleaners Take second hand clothes to the Humane Society, One Dog At A Time or the Red

>> >>

Cross Share rides, use public transportation, walk or cycle when possible Compost where possible

Being a Green Family In order for your kids to value the importance of recycling, you must lead by example. The more fired-up you are about recycling, the more interested they will likely be about participating. Kids should feel recycling is an exciting way to help protect the Earth! If you plan on making recycling a regular chore for your kids, incentivise it by rewarding them with fun activities such as trips to the beach or park. Take some time when you visit the beach to pick up some trash and help keep Cayman looking beautiful. You can also join Plastic Free Cayman for their monthly beach clean ups, or take their 345 Pledge for Individuals, where you commit to making changes, like refusing a plastic straw or switching to a bamboo toothbrush, to reduce your single-use plastic waste. Find Plastic Free Cayman on Facebook or visit their website: www.plasticfreecayman.com. Household Appliances and Home Gas ( SE E AD PAG E 119) both provide propane service in Grand Cayman for both Clean Gas Ltd.



( SE E AD PAG E S 74 & 119)

www. c a y m a n r e s i d e n t . c o m



construction. In addition, every January the DEH collects natural Christmas trees and recycles them. The mulch that they create is then offered to the public for free. Residents and businesses can use also use JUNK who offers an on-site recycling service. They operate large recycling bins in many apartment complexes and offices collecting aluminum, glass, plastic, cardboard and paper (which must be dry and not waxed). All the glass that JUNK collects is crushed on-Island and used in a variety of ways. There is a fee for this service which depends on the number of units and number of collection days. Camana Bay, Grand Pavilion, Cricket Square and Citrus Grove all have a complex-wide recycling programme. For those who live in private houses, or in a complex that does not recycle, JUNK also offers smaller collection bins called “Stackables” which you can store inside or outside your home for your own personal recycling. Starting at CI$50 per month, JUNK will come and collect your recyclables on a weekly basis. As a special offer to readers of the Cayman Resident, JUNK is graciously offering a set of stackables at CI$99 (regular price: $110). Just mention the Cayman Resident magazine when placing your order. Once JUNK has collected all the recyclable materials, they are baled at its facility in Grand Cayman and shipped to Sun Recycling in South Florida. Some plastics aren’t recycled at present, but JUNK still bales and sends them to Sun, where they are charged a tipping fee for the plastic to be properly disposed of. Though this costs JUNK money, they are more than happy to do it, knowing that it is best for Cayman’s environment. Since November 2014, JUNK has diverted more than a million pounds of plastics, cardboard/ paper, aluminium cans and glass away from the George Town landfill! JUNK also recycles E-waste (Redundant IT Products) and printer cartridges via their sister company Cartridge Smart. If you have a large amount of waste, you can call JUNK and they will always remove whatever is recyclable. JUNK Recycling and Removals

residential and commercial customers – the cleanest fuel-based source of energy in Cayman. Propane emits low amounts of greenhouse gases and will not contaminate soil and groundwater. As well as being kinder to the environment, propanefuelled appliances are far more economical to run than electric ones. Both companies offer home delivery for all sizes of propane tanks and their friendly staff work with customers throughout the whole process of designing, installing and maintaining your propane system. Both companies can also offer propane to power outdoor appliances such as tiki torches, water heaters and grills.

3) Own your own energy. With the growing demand for alternative energy sources, be sure to utilize solar energy on your home from companies like GreenTech Solar, the exclusive dealer for SunPower and Tesla. NCB Group launched its Geothermal cooling division – GeoCayman. As the exclusive distributors of the leading geothermal cooling systems, GeoCayman can help you cool your home much more efficiently than traditional air conditioning systems – saving you substantial energy and money.

Please also refer to the Building a Home chapter for more information. Design (Cayman) Architects



Dry Cleaning When you need dry cleaning done on Grand Cayman, Island Cleaners (Tel: (345) 949 5391) and Puritan Cleaners (Tel: (345) 949 7104) are both eco-friendly companies that use environmentally safe dry cleaning products, recycle hangers and offers a same day service, if needed. Fluff ‘N’ Fold (Tel: (345) 943 5833) in Camana Bay also uses energy-efficient equipment, non-toxic chemicals and recycling programmes to reduce their impact on the environment.

125 Owen Roberts Drive, Breezy Castle U-16 (Within the Hyundai dealership complex) Tel: (345) 949 2800 or Brian Macdonald, Chartered Architect, RIBA on (345) 916 0930 Email: brian@design-cayman.ky www.design-cayman.ky Design (Cayman) believes in incorporating proven from

sustainable conceptual



methods through


virtual design and construction, through a collaborative, fun and well-coordinated consultancy process. Working within a given budget, they can provide an architectural


solution taking advantage of the wind, sunlight

Innovative geothermal and solar technologies are now available in Cayman and are being integrated into residential and commercial properties. In addition, Cayman is one of the countries outside of the USA where LEED – a green building certification programme – for homes is available, thanks to local company GreenTech Group. If you are thinking about designing and building a green home, consider the following steps:

and views that a particular site has to offer.

1) Find a design-builder who has proven

The Flowers Foam Products division of the

experience with green homes in Cayman;

development or simple renovation, ensuring it not only looks great but it operates in the most energy efficient manner. SE E AD PAG E 189

Flowers Group 184 Seymour Road, Industrial Park Tel: (345) 623 0000 Email: customerservice@flowersgroup.com www.flowersgroup.com Flowers Group supplies state-of-the-art,

2) Use key building products like Insulated





Concrete Forms (ICF) such as Fox Blocks

including Insulated Concrete Forms (ICF), foam

which are manufactured here locally,

flat sheets, steel stud and tracks, architectural

Spray Foam Insulation, low VOC’s materials

components and custom shapes and signs.

and finishes, Impact/Insulated windows,


Watersense rated plumbing and Energy Star rated appliances; 202

Their goal is to design your home, office




The cost of fossil fuels that we use to power our homes will only continue to rise as supplies dwindle worldwide. Electricity is already costly in the Cayman Islands, and as small Caribbean countries don’t have the bargaining power of larger countries, they will be the hardest hit as oil reserves become more limited. Cayman’s goal of obtaining 25% of its power from renewable resources by 2025 has raised discussion for alternative ways of doing this. 300ft wind turbines have been considered, yet face problems with height restrictions of 250ft anywhere within a 10 mile radius of the airport. There are also concerns that their height would interfere with Cayman’s Doppler radar station. Other renewable energy sources proposed include the world’s first ocean thermal energy conversion plant. Concerns surrounding this were that it was not yet commercially proven, and therefore risky, and also that it would not be financially feasible. Solar power currently remains a trusted option for renewable energy. Solar Power Significant improvements are being made in the solar energy industry every year and Cayman is the perfect location to harness the power of the sun. Solar energy can be harvested in two ways: solar photovoltaic (PV), which converts sunlight into electricity and solar thermal, which heats water. The initial costs of purchasing these systems are significant and currently the Government does not offer subsidies as an incentive. But an encouraging point to note however, is that renewable energy equipment such as solar panels are in fact duty-free for residential homeowners. Affordable Solar (Tel: (345) 546 6686) provides a wide range of services and sells energy storage systems, off-grid solar systems and solutions. Solar Power Storage Although Cayman enjoys over 300 days of sunshine, you will need to consider an

alternative source of power should there be no sun. One such option is the Tesla Powerwall battery. These rechargeable lithium-ion batteries are wall mounted and can be stored either outside your home or inside your garage. Tesla Powerwall batteries can help provide financial savings by charging and storing energy. They also assure power in the event of a power outage, instead of having to use a generator. Solar Grid-Tie Systems CUC has an initiative called the Consumer Owned





Home Energy Storage Systems Intelligent technology can be used to power your home if you need to be off the grid. These compact systems can be easily adaptable to your individual needs.


As a pool owner there are several steps you can take to help keep your energy bills down:


Cover it up A pool cover will reduce heat loss, water evaporation and chemical

Affordable Solar

consumption by up to 70%. It also helps

Tel: (345) 546 6686

keep your pool clean, meaning you’ll have

Email: info@affordablesolar.ky www.affordablesolar.ky

Solar Farms Creating solar farms and possibly wind farms in the Cayman Islands would lessen our dependency on fossil fuels and decrease the $153 million we spend on importing diesel fuel each year. CUC’s Integrated Resource Plan (IRP), which was approved in early 2019, outlines the transition from diesel energy to more renewable sources by 2045. Solar energy proves to be a logical solution, and there are talks of CUC creating four or five 20 MW solar plants. However, with only around 5% of CUC’s energy currently

to run your filter pump less often.


Think about the pump A pool filter pump is the second largest consumer of energy in a home behind your A/C. If you install a twospeed, variable speed or solar powered pump, it will pay for itself very quickly with energy savings.





Consider using a chlorine generator, which turns ordinary salt into chlorine and is kinder to the environment and your skin. Use LED lights for lighting.

To find out more about swimming pools contact Oasis Pool & Spa (Tel: (345) 916 7665 or visit www.oasispoolscayman. com.) or Pool Patrol (Tel: (345) 949 8543 or visit www.poolpatrol.ky).


Join the green community by getting involved in preserving and protecting Cayman’s fragile environment. Plastic Free Cayman The Plastic Free Cayman movement continues to grow. This not-for-profit NGO has caught the community’s attention and people are now more than ready to refuse single use plastic bags, refuse plastic straws, and take reusable water bottles, cups and containers with them to refill and use. Their community beach clean-ups take place on the first weekend of every month. They have also launched the 345 Pledge for Individuals, Businesses and Schools, to guide us all in ways to go single-use plastic free. Visit www. facebook.com/plasticfreecayman. Earth Day Cleanup An annual event in Cayman, the Earth Day Cleanup draws hundreds of volunteers to collect litter and debris from Cayman’s roadsides and beaches. Saturday 18th April 2020. Visit www.caymanchamber.ky. The National Trust The National Trust has been protecting the future of Cayman’s heritage and environment since 1987. Supporting the Ministry of the Environment’s environmental programmes, the Trust is a not-for-profit NGO created to preserve the history and biodiversity of the Cayman Islands. Through education and conservation it works to protect environmentally sensitive and historically significant sites. The Trust runs environmental, historic and educational programmes including the Mission House, the Blue Iguana Recovery Programme, guided nature walks of the Mastic Trail and volunteer projects. Being a member, allows you access to voting privileges at general meetings, and discounts on entry into National Trust properties around the world. Visit www. nationaltrust.org.ky.


www. c a y m a n r e s i d e n t . c o m




and will purchase alternative energy from approved independent sources. So if you would like to have solar panels or other renewable energy sources generating electricity for your home or business and meet programme requirements, CUC will buy that power from you at a very fair rate. For information visit www.cuc-cayman.com/ customer-service/renewable-energy.

coming from renewable sources, to reach the 25% mark by 2025 they need to get building – fast. The Island’s only solar farm, the Bodden Town Solar Farm, has been operational since July 2017. It was acquired by BMR Energy, a subsidiary of Richard Branson’s Virgin Group, in December 2018 making it the company’s fourth renewable energy project in the Caribbean. The 22-acre farm now produces five megawatts of Cayman’s 100 megawatt requirement. The 21,690 panel facility generates electricity which feeds into CUC’s grid and powers over 1,800 homes. Although the price of energy is not expected to change significantly, by producing renewable energy, the farm reduces the use of diesel fuel and the associated emissions into the atmosphere cutting the Island’s carbon footprint. Health City Cayman has also begun building its own private 1.2 megawatt solar farm, which will generate electricity, as well as cold and hot water. It will be the first solar generator not linked to CORE.

Disaster Preparedness

Storm photo courtesy of Andrea Iallorenzi, other photos courtesy of Courtney Platt.

An overview of how to be prepared for hurricanes, earthquakes, tsunamis, waterspouts and tornadoes. Information on what to do, supplies to purchase and what to expect so that you can be ready.



Earthquakes & Tsunamis


Waterspouts & Tornadoes


Emergency Alert System


Property Protection



Insurance209 Medical Assistance


Children & the Elderly 


Leaving the Island


Aftermath of a Disaster


Checklists & Important Info - Hurricane Supply Kit - Things To Do - Important Documents - Flags - Hurricane Scale - Food & Water Supplies

207 206 207 207 207 207 208

Important Numbers Police/Fire/Hospital/Ambulance911 National Hurricane Committee 949 6555 Emergency Hotline (during ‘Alert’) 946 3333


lthough the Cayman Islands are located in an area which can and does get affected by hurricanes, other natural disasters can occasionally affect us as well. This chapter provides a summary of hurricanes, earthquakes, tsunamis, waterspouts and tornadoes, along with information on how to be prepared.




The Cayman Islands Government has developed a specific department, known as Hazard Management (HMCI), which is solely responsible for dealing with natural disasters, should they occur. They are responsible for the national disaster management programme, which includes preparedness, response, mitigation and recovery. Their main aim is to protect Cayman’s residents and visitors by being prepared for every scenario of a disaster. This includes working with emergency responders to reduce the loss of life, suffering, property and environmental damage. Visit www.caymanprepared.gov.ky for more information. Hurricanes A hurricane is a large rotating system of wind and water, originating in the tropics with sustained surface winds of at least 74mph. It is the most common natural disaster that threatens the Islands. Hurricanes start out as a tropical disturbance when a mass of organised oceanic thunderstorms persists for 24 hours. Once it reaches 74mph, it becomes classified as a hurricane. Statistically, the Cayman Islands will get hit by a tropical storm or hurricane every 1.7 years, which is more frequently than other countries in the Caribbean. On average, 11 tropical storms develop and six become hurricanes, however due to climate change, the elements required for hurricanes to flourish have multiplied. In the past 30 years, the subtropics have become more tropical. According to an article written by three of the world’s leading weather experts and published in the journal ‘Nature’, the location where hurricanes are strongest and at their most destructive has shifted by an average of






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35 miles per decade towards the North and South poles. At the time of going to press (September 2019), the Bahamas have just been hit by Hurricane Dorian, a Category 5 storm that caused catastrophic damage. With wind speeds of up to 220mps it tied the record for the most powerful Atlantic hurricane to ever make landfall. While the Cayman Islands have been spared in recent years, it reminds us that we need to be extremely vigilant. Cayman is a small, and generally low lying Island, and a hurricane can cause the sea level to rise due to a phenomenon called storm surge. Hurricanes are accompanied by a number of elements, such as high wind, extreme rainfall, huge battering waves and a storm surge which is the number one threat from a hurricane and is not confined to coastal areas. For example, if you live in a single story dwelling located inland and your ground floor is 10 feet above sea level, it is possible for the storm surge to fill the house with water up to the ceiling, and in some cases leave you trapped. Waves are also a very real threat for coastal residents. A wave can

be a maximum of 1.5 times the depth of the water offshore. If you live near an area with a water depth of approximately 20ft, and there is a 10ft storm surge, then a 30ft wave has the ability to come ashore. This allows for a wave to comfortably reach the second floor of a coastal building. It is important to bear in mind that a cubic meter of water weighs a ton, and in strong hurricanes a wave can easily demolish concrete structures. If we do get hit by a hurricane, plan to be without power and water for seven days minimum. After Hurricane Ivan, it took 2-3 months for most residents to get their electricity back, and about a month for water. Keep in mind that there were also no banks, supermarkets or gas stations open for at least a week, so it is important to have an emergency supply of canned food and water that will last up to one week. You are advised to store a gallon of water per day for each person in your house, and to keep it cool by storing it in a dark location. Have a portable radio with extra batteries on hand, because radios could be an important medium for

Hurricane Supply Kit Things to purchase, set up, prepare and do in advance of the hurricane season

❑❑ Plywood and screw nails for windows/

❑❑ Shut off wrench and pliers ❑❑ Plastic sheeting to cover furniture ❑❑ Tarpaulin for roof ❑❑ Surgical and yard gloves (for clean up) ❑❑ Paper towel, toilet paper and napkins ❑❑ Disposable plates, plastic glasses, plastic

doors (if necessary)

❑❑ ‘C’ type fire extinguisher for electrical fires ❑❑ Oil and petrol for generator (optional) ❑❑ Portable gas cooker and refills ❑❑ Charcoal and lighter fluid ❑❑ Flashlight, lantern and oil cutlery and several plastic bags ❑❑ Matches/lighter in watertight bag ❑❑ Aluminium foil, plastic freezer bags ❑❑ Battery operated radio, fan and extra ❑❑ Can opener/knife (e.g. Swiss army) batteries ❑❑ Clorox wipes (for cleaning cutlery) ❑❑ First aid kit, sunscreen and feminine ❑❑ Chlorine bleach (sterilising water) and hygiene supplies

❑❑ Medication - make sure your prescription is full and you have an adequate supply at all times during hurricane season

❑❑ Candles and matches ❑❑ Mosquito coils, citronella candles and/or spray

❑❑ Life vests, galoshes and whistle ❑❑ Rope/strong twine, duct/packing tape 206



Dettol (disinfecting hands and feet)

❑❑ Hand sanitiser (such as Germ X) and baby wipes (for personal hygiene)

❑❑ Ice chest and ice ❑❑ Broom, mop, bucket and rubbish bags ❑❑ Pet food and litter box ❑❑ Baby supplies: nappies, wipes, food ❑❑ Books, magazines and games

sourcing information in the aftermath of a storm. Internet, television and cell phone systems may go down for hours, days, weeks or months. Preparation is key - be sure to install hurricane shutters and generators before the hurricane season. It’s too late to think about saving your personal items, important documents, filling the car up with gas or buying supply kits when a hurricane is imminent, as the water and power may be turned off 12 hours before a hurricane hits and supplies in stores may be limited. Also, withdraw enough cash to last for a few weeks, as after a storm personal cheques will not be accepted, ATM machines may not work and banks might ration cash withdrawals. Prepare an evacuation, ‘to go bag’ containing important documents (inside a watertight ziplock bag) and enough clothes, water, food, snacks and medication for each member of your family for at least five days. Please refer to the checklists in this chapter. Decide ahead of time where you will stay during a hurricane. If your home is durable enough to withstand the winds, then it is probably the best place to stay. Ask your neighbours about the vulnerability of your neighbourhood in the case of flooding and wave threats. If you decide that it is safe to stay in your home, find the safest areas in your house to shelter and potential escape routes. If your home is not secure then evacuate! Low-lying areas will flood, so take shelter on higher ground at your work place or a friend’s house. Hurricane shelters are also an option; a complete list of locations can be found on www.caymanprepared.ky or www.caymanresident.com. Shelters can be crowded and they ask that you bring enough supplies for your family. They do not allow alcohol, smoking, heavy or excess luggage, cots or weapons. Most shelters do not allow pets. Volunteer Shelter Managers are always needed. If you are interested in becoming one, contact Paulinda Mendoza-Williams at the Department of Children and Family Services on (345) 949 0290. Earthquakes & Tsunamis Grand Cayman lies close to the boundary

Things to Do


(2–3 days before the disaster)

❑❑ Design a family plan for which shelter and route is the best to suit your needs

❑❑ Fill cars with gasoline/charge if electric and move them to higher ground

❑❑ Withdraw cash from bank. ATMs won’t work without power

❑❑ Bring in everything from outside, i.e. bird feeder, hose, barbecue, chairs, potted plants

❑❑ Secure boat and remove all equipment, i.e. battery, CD player, life jackets, etc.

❑❑ Make arrangements for the safety of your pets ❑❑ Move furniture and belongings away from windows and doors and elevate off floor level

❑❑ Put silicone or foam around outside doors and also fill sandbags sufficient to protect ground level outside of the doors

❑❑ Pick up rugs from the floor, and remove drapes from windows and store in plastic bags furniture and wood floors from ceiling leaks

❑❑ Pack irreplaceable and precious items into large plastic bags or Rubbermaid containers/ tubs and seal them with tape

❑❑ Do laundry; it may be a long time before you can do it again, then fill the machine with water

❑❑ Clean tubs/baths and fill them with water Important Documents & Records

Store in a portable, watertight container, scan or back up to an external hard drive

power goes out, food and ice will last longer

❑❑ Freeze water ❑❑ Charge cell phones and have cell phone charger that plugs into you cars USB port or car lighter. Also charge up external battery packs

HURRICANE ALERT Hurricane threat more than 36 hours away.

❑❑ Consider blocking toilets with old towels, so they do not back up

❑❑ Wedge sliding doors to prevent them lifting from tracks and reinforce garage door

H U R R I C A N E WAT C H Hurricane threat 24 to 36 hours away.

❑❑ Keep swimming pool full, to around 12 inches from the top

❑❑ Turn off propane tanks ❑❑ Secure TV antennae ❑❑ Check supply of emergency food


❑❑ Close cistern openings and disconnect downspouts

❑❑ Have empty gallon bottles to fill with water for bathing and flushing purposes

H U R R I C A N E WA R N I N G Hurricane conditions expected within 24 hours.

❑❑ Make sure you have old towels, shirts, etc. to line doors and windows for water seepage

❑❑ Have raincoats/ponchos handy as it might rain for several days after the hurricane ALL CLEAR The storm has passed, use caution.

❑❑ Make sure you have the phone numbers of family and friends and that they have yours

Hurricane Scale The Saffir-Simpson Hurricane Scale is a 1-5 rating based on the hurricane’s present intensity.

❑❑ Passports, birth certificates, driver’s licences and pets’ documents

❑❑ Photographs of home contents and vehicles for insurance purposes

This is used to give an estimate of the potential property damage and flooding expected along the coast from a hurricane landfall. Wind speed is the determining factor in the scale, as storm surge values are highly dependent on the slope of the continental shelf and the shape of the coastline in the landfall region. These speeds are one minute averages and not maximum gusts!

Wind Speeds

❑❑ Digital back up of photos and a video


(kmph) (km/hr)

(feet) (feet)





















of your property and valuable items

❑❑ Inventory of household (itemised) ❑❑ Bank accounts and credit card information

❑❑ Insurance policies, wills, contracts and deeds of your home

Storm Surge


www. c a y m a n r e s i d e n t . c o m



❑❑ Buy buckets and sheets of plastic to protect

❑❑ Turn freezer and fridge to the coldest setting. If



zone of the Caribbean and North American tectonic plates which are known to be seismically active. The strongest recorded earthquake in the Cayman Islands occurred on 14 December 2004 and measured 6.8 on the Richter scale. Although it did not cause significant damage, the potential does exist for the Islands to be affected by a major earthquake. In the case of an earthquake, duck, cover and hold: get under a solid piece of furniture or reinforced doorway. Be sure to cover your eyes and head, while holding onto the furniture to protect yourself from flying objects. If outdoors, move to an open space away from glass, electrical cables, and other objects that are likely to fall. Do not move until the shaking has completely stopped! Tsunamis are most often triggered by underwater earthquakes, with waves spreading outwards rapidly from the site. Out at sea these waves typically measure around one foot in height and may travel at speeds of 400mph. When the tsunami reaches the shallow waters of a continental shelf, the wave slows and its height increases. Although tsunamis triggered by earthquakes can occur in Cayman, the probability is believed to be very low: Cayman’s underwater landscape, with steep drop offs close to shore and very little continental shelf, may well reduce the risk of dangerous tsunamis. In January of 2018, Cayman, along with other surrounding nations, were placed on a tsunami watch after a major earthquake hit the north coast of Honduras. There is usually very little warning time if a tsunami threatens, so residents should NOT wait for an official warning but take action immediately. If you feel a very strong earthquake, do not wait for a tsunami alert to be issued, you should head inland and try to get to an elevated area or building. For those living close to the sea, ensure you have a family emergency plan and are familiar with the nearest evacuation site. If you are at the coast and notice the water receding, move away immediately and, if possible, to a tall building. Waves may strike at intervals anywhere between 15 minutes and one 208



hour. Cayman has not experienced a destructive tsunami in its entire recorded history, so the likelihood of one occurring is very remote, and strong destructive earthquake events are also incredibly infrequent. In 2019 the HMCI took part in a tsunami exercise to examine and improve the response and coordination process amongst first response agencies.

Food & Water Supplies Purchase 5–7 days supply of non-perishable items before hurricane season starts

❑❑ Water purification tablets ❑❑ Canned/ powdered milk, baby food, formula, wipes, nappies/diapers plus medication and vitamins

Waterspouts & Tornadoes Waterspouts can be described as a rotating column of water and spray formed by a whirlwind occurring over the sea. They sometimes form along the dark, flat base of cumulus clouds and may sometimes be seen in the coastal waters around the Cayman Islands. They are typically not harmful as they travel slowly and the wind speeds associated with the waterspouts are usually less than 69 miles an hour, and they are only active for about 20 minutes. Typically these waterspouts dissipate quickly when they make landfall. They are often confused with tornadoes which are a very rare phenomenon for the Cayman Islands. When they do occur they are usually weak. Even minor reports of damage associated with tornadoes are uncommon.

❑❑ Salt, pepper, dry seasoning, sugar,

Emergency Alert System When a threat is declared, a release is issued to all media houses to advise the public and the notification is also posted on the HMCI website (www.caymanprepared. gov.ky) and social media accounts. A National Emergency Notification System is in development and the first phase has now been established which allows emergency radio interrupts across all radio stations in the Cayman Islands. The second phase will enable Emergency Managers to place crawling text alerts across all cable television channels. The third phase includes a wider range of solutions including the establishment of a cell broadcast system which will permit ‘Amber Alert’ type messages to be sent directly to mobile phones. The National Emergency Notification will eventually include a broad range of alert mechanisms but residents

❑❑ Canned fruit, dried fruit, raisins ❑❑ Nuts, grains and other snacks like

coconut or olive oil

❑❑ Tea, instant coffee ❑❑ Drinking water (allow one gallon per person per day – also used for washing face, teeth and hands)

❑❑ Energy drinks, fruit juices ❑❑ Spam, corned beef, canned fish, Vienna sausages

❑❑ Miracle Whip (not mayonnaise) ❑❑ Peanut butter, jelly, syrups, honey ❑❑ Bread, crackers, cookies (in a water-tight container)

❑❑ Canned spray cheese ❑❑ Canned soup, cup-of-noodles, ravioli, spaghetti, canned vegetables, canned and dried beans

breakfast bars

❑❑ Couscous, quinoa, quick-cook rice ❑❑ Salsa and salad dressings ❑❑ Packet mashed potatoes and ‘instant eggs’

Useful Websites Cayman National Hurricane Committee www.caymanprepared.gov.ky Cayman Islands Government www.gov.ky US National Hurricane Center www.nhc.noaa.gov Caribbean Hurricane Network www.stormcarib.com Weather Underground www.wunderground.com

are also encouraged to establish a family and business hazard plan. The following company can assist your business and family with crisis management. Haines Disaster Consultancy (HDC) Tel: (345) 323 0803 Email: info@hainesdc.ky or www.hainesdc.ky Founder Derek Haines MBE has over 40 years of first hand, recognised experience in the industry. HDC deals with threats before, during and after they have occurred by analysing, reducing and mitigating your risks whether natural, accidental or deliberate. Their products include crisis management, business continuity and advice on insurance and cyber protection.

Insurance Examine the insurance on your home and/or business to ensure you are comprehensively covered and that the full value of the building(s) and contents are protected. Document the contents and take photographs of furnishing and valuables in advance. Keep these on a digital memory stick or backup drive. If you sustain damage, these photographs will support your insurance claim. See the Settling In chapter for a list of providers. Medical Assistance Every district has a shelter that is specifically designated as an Emergency Medical Centre (EMC). If you have an existing medical condition (that might require treatment during this time) this may be the best place to seek shelter because there are medical personnel on hand. During high winds or flooding, however, ambulances will not respond until it is safe, which could potentially be more than 24 hours later. Make sure that your health insurance is up-to-date so you are covered. Children & the Elderly Young children and the elderly are vulnerable during a storm and, without support, can suffer great emotional distress. If you have an elderly friend or relative, consider offering your home as a safe-haven. If they are in a nursing home, be sure to confirm if it has emergency plans. If accompanied by an elderly friend or relative, keep in mind that they may take daily medication. Ensure that they have a sufficient supply and that it is stored in watertight containers to avoid damage. Young children may need special need items, such as diapers, formula and bottles. Pets Currently there are only two pet-friendly shelters on-Island, John Gray High School

and Clifton Hunter High School. John Gray can accommodate 30 dogs or 60 cats and Clifton Hunter can accommodate 15 dogs or 25 cats. Space will be allocated on a first-come, first-served basis. Refer to our Pets chapter for in-depth information. Leaving the Island & Emergency Travel Documents Have a plan and funds in place in the event that you decide to leave the Island before a disaster. Be sure to secure your home before you leave! Also, the airport will get very busy during this time. Pay close attention to flight availability – some airlines increase the number of flights during evacuation periods, but flights still fill up quickly. Island Air (Tel: (345) 949 5252) can provide evacuation services during the hurricane season. If you require assistance with passports or travel documents, talk to your local Honorary Consul in advance! In the Aftermath of a Disaster Stay safe in the aftermath of a storm by following these helpful tips: >> Always assume that powerlines are live and never touch low hanging lines or objects in contact with them. >> Only turn on your main breaker once you are sure that every secondary breaker is switched off. >> Open windows and doors to ventilate your house and dry flooded or damp areas to mitigate damage from mould. >> Boil any water before consuming. >> Make sure you do not turn your water back on until advised that water services have been restored in your area. Once you turn on the water, inspect your home for damaged pipes. >> Be especially careful of pests, such as scorpions, which disperse during storms. >> Check thoroughly for gas leakages before striking a match. >> Try to restrict using the telephone unless it is an emergency to save battery life and keep lines open. >> Avoid walking in settled water as there may be bacteria in it.


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Property Protection It is prudent to begin assessing your home before the season starts by ensuring that trees are gently pruned, especially if they are close to power lines, water pipes and near the roof of your house. Never attempt to cut branches close to power lines yourself; call CUC (Tel: (345) 949 5200) and their Customer Service Department will send a team to evaluate your property and trim any potential hazards. Additionally, ask your gardener or strata maintenance to remove coconuts as they can become dangerous missiles in high winds, and can put both you and your home at risk. Prior to a natural disaster occurring, install hurricane shutters on windows and glass doors to protect your home or business. Options vary considerably including maximum security screens (Crimsafe), hurricane shutters (accordion, panel, roller, colonial, Bahama) or electric roller doors/windows. If you already have shutters installed, check that they can still open and are not damaged. Cayman’s building code regulations ensure that modern buildings are strong enough to withstand a certain degree of quaking so the main hazards are unsecured appliances, objects and structures that could fall and cause injury, downed power lines and damaged water and sewerage systems. As a preventative measure, HMCI

recommends bolting down appliances and bookshelves and placing heavy objects on lower shelves.



Cayman’s Culinary Scene


Places to Eat - New Openings - Cafés, Bakeries & Bistros - Vegetarian & Vegan Food - Kosher Food - Waterfront & Outdoor Dining - Dining on a Budget - Food Delivery Service - Food Trucks

212 212 212 214 214 214 216 216 216

Bar & Club Scene - The Bar Scene - The Club Scene - Cigar Bars - Mixology - Live Music Scene

217 217 218 218 218 218

Supermarkets 218 - Supermarkets 218 - Farmers Markets 219 - Buying Fresh Fish 219 - Gourmet Food 219 - Goods Produced Locally 220 - Buying in Bulk 220 Beer & Wine - Local & Specialty Beer - Liquor Stores & Wine Merchants - Duty on Alcohol

221 221 221 222

Culinary Things to Do - Cooking Classes - Culinary Events - Full Moon Celebrations - Sunday Brunch - Wine Tasting & Dinners

222 222 222 222 223 223






Photos courtesy of Julie Corsetti and Eagle Rays.

& Drink


The Island’s melting pot of cultures lends its influence to the kitchen and residents are lucky enough to feast on everything from Pad Thai to Spicy “a la Plancha” Octopus on any given day of the week. Whilst international trends are being ushered in, eating local is always in style and increasingly consumers are demanding more sustainable food practices from restaurants. As always Cayman hosted an impressive line-up of food festivals in 2019, kicking off in January with Chef Eric Ripert’s annual culinary event, the Cayman Cookout, which features cooking demonstrations, barefoot barbeques and more. The Red Sky at Night Festival, which is a night rich in Caymanian culture, was equally rich in flavour with lots of tasty local dishes on offer. KAABOO, the Island’s first international music festival, presented festival go-ers with a variety of culinary artisans to fuel the weekend. The very popular Taste of Cayman Food & Drink Festival accommodated some of the Island’s top restaurant vendors for an evening spent sampling the best dishes and spirits currently on offer across Cayman. Cayman prepares for Restaurant Month and Pirates Week each October and November, the latter of which gives each district a chance to dazzle with spreads of authentically prepared food. Regular culinary events also occur weekly so keep an eye on the Explore Cayman event calendar to stay up-to-date.




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To see a comprehensive list of Cayman’s restaurants pick up a copy of Good Taste magazine, which you will find in most hotels and grocery stores on the Island. It’s a smart, upscale dining and entertainment guide for Cayman packed with sample menus, restaurant contact details and interesting food related articles. Visit www.caymangoodtaste. com for reviews, special deals and online reservations. Follow the Facebook page (www.facebook.com/caymangoodtaste) for regular updates and promotions.



New Openings Cayman’s already bustling restaurant scene gained some fresh new faces over the past year. With the opening of the Island’s first boutique hotel, came the introduction of Tillie’s, a clean and refined approach to classic Caribbean cuisine set in a trendy art-deco inspired location. Bonfire Urban Italian Kitchen, at the Locale Grand Cayman hotel, rides the new wave of fast-casual

dining, offering an array of delicious Italian options. Eating House 1503, nestled within the Margaritaville Beach Resort, and led by Chef Roy Yamaguchi, serves Hawaiian, Asian and Caribbean cuisine fused together to create unique and flavour-heavy dishes. Also in Margaritaville Beach Resort is Spread Urban Bistro, specialising in artisan sandwiches. The Kitchen opened in Queen’s Court as an extension of Fidel Murphy’s Public House, and focuses on great food made from scratch. Brussels Sprouts, previously a delivery-only food service, has opened a bricks-and-mortar location next to A.L. Thompson’s. They specialise in fresh, homemade healthy meals. Two international coffee chains have set up shop on-Island: Aussie-inspired Bluestone Lane Cafe located in George Town, and the American coffeehouse megachain Starbucks Cafe in Camana Bay. Last but certainly not least is Coral Beach, a boutique style beach venue, which opened up next to RPBC on Seven Mile, and serves up Caribbean-style food and signature drinks.

Cafés, Bakeries & Bistros The Island is home to a number of fantastic cafés, all staffed with great chefs who prepare sumptuous breakfasts and lunches, as well as fresh bread, cakes and pastries. You can visit The Pantry at Seafire, located just off the lobby of the chic Kimpton Seafire Resort + Spa, for freshly baked pastries, sandwiches, fresh salads and local fruit smoothies, pressed juices and steaming hot espresso. Cayman Coffee Exchange at the Westin Grand Cayman resort serves fresh fruit, parfaits, yoghurt, housemade pastries, organic snacks and barista-crafted coffee. There’s also Icoa Café in Seven Mile Shops on West Bay Road, famous for their tasty cakes and a wide range of lunch options. Established coffee houses include Paperman’s Coffeehouse which has three locations: the Strand Shopping Centre, Windjammer Plaza and Midtown Plaza; Perk Up Café in Governors Square; Jessie’s Juice Bar and Cafe in Camana Bay and Governors Square and Café del Sol, which has two locations: Marquee Plaza,

Gourmet Restaurant • Macabuca Tiki Bar • Premier Shore Diving and Snorkeling •

North West Point • West Bay Road (across from Boatswain’s Beach) T. 345-945-5217 • E. conchrest@gmail.com • www.crackedconch.com.ky 212





SMB and Country Corner in Savannah. Aroma is a trendy and cosy bistro with a creative menu. Offering breakfast, lunch and dinner daily you can sit inside in air conditioned comfort or dine on the Paseo. Also in Camana Bay is Petit Paris, a French bakery offering an array of baked goods, lunch items like soups, salads and sandwiches on freshly baked baguettes, sweet treats imported from France and more. Fresh Kitchen & Coffee in Galleria Plaza serves a tasty selection of pastries, as well as all-day breakfast and a number of sandwiches and bowls. Conscious Cafe, by Saucha offers a locally grown, primarily plant-based menu, with select vegetarian options and a focus on fermentation. Water & the Elephant is a specialty coffee bar and cafe in the Cayman Technology Centre. Full Of Beans Café in Pasadora Place is a lively spot for the breakfast and lunch crowd with daily changing specials, plenty of choice for vegetarians and fantastic coffees. They also have art opening parties once a month with complimentary beer and wine. The Brasserie Market in Cricket Square also serves sandwiches and salads, along with soups, hot lunches, pastries, etc. Their daily specials are posted on their Facebook page. South West Collective in George Town has a great breakfast menu, delicious espressos and fresh pressed juices. Their lunch menu features salads with housemade dressing, plus freshly prepared savoury pies, sausage rolls and soups. Lauren’s, in Buckingham Square, serves tasty breakfast treats such as fresh sweet and savoury crêpes, as well as many lunch options and daily specials. Cayman Crêperie in George Town also offers crêpes along with sandwiches and coffee. Over on the north side of the Island, Kaibo Beach Espresso coffee shop is open for breakfast from 7am daily. Sample their freshly roasted Colombian coffee and straight out of the oven pastries. They also offer hot breakfast paninis, bagels and gluten-free muffins and brownies. Scratch Gourmet Desserts 214



delivers cakes, doughnuts and macaroons made fresh from scratch to your door. They also offer gluten-free options. Visit www.scratchgourmetdesserts.com for more information. Vegetarian & Vegan Food There are several great options on the Island for vegetarians and vegans. Bread & Chocolate, located on the corner of Edward Street and Dr Roy’s Drive in George Town, offers health-conscious (yet hearty) all-day vegan breakfast, lunch and dinner options. Don’t miss their housemade pepper sauce! Island Naturals Café in Coconut Plaza, off West Bay Road, is a popular lunchtime and early dinner spot seven days a week. They cater to healthy appetites offering delicious daily specials with gluten-free and vegan options. VIVO at the Lighthouse Point Resort on NW Point Road in West Bay, offers delicious plant-based food with lots of gluten-free options. Jessie’s Juice Bar in Camana Bay and Governors Square is a popular juice bar. A range of health foods are also available, including vegetarian, vegan and raw options. Its sister restaurant, South West Collective in George Town, has a very similar menu. Britta Bush, a well-known natural food vegan chef, owns Saucha (sow-tcha) and delivers locally sourced, organic and unprocessed vegan meals and artisan sourdough to your home or office. Conscious Cafe, her bricksand-mortar location has opened up in the Art Nest Creative Studio. The Brasserie Market, located off Elgin Avenue, has a wide selection of home-grown produce and many vegan lunch options. You will also find that most menus on the Island feature vegetarian and dairy-free options. Agua Restaurant has a ‘healthy lunch’ section on their lunch menu that includes vegan salads and gluten-free substitutes. The Greenhouse has gluten-free and vegan options, as well as Tillie’s, Yoshi Sushi, Thai Orchid, China Village and even fast casual spots: Singhs Roti Shop, and Al La Kebab. Kosher Food The Cayman Islands has a small, vibrant

Jewish community and a variety of kosher food products can be found in Grand Cayman. Foster’s (SEE AD PAGE 211) , Hurley’s and Kirk Market (SEE AD PAGE 3) have a good selection. The Ritz-Carlton, Grand Cayman may accommodate kosher menus for group guests or special orders if arranged 24-hours in advance. (SEE AD PAGE 213) . For kosher wines try The Tasting Room in Caribbean Plaza and Blackbeard’s liquor stores. The organisation Chabad Cayman hosts weekly Shabbat dinners that are open to anyone. Visit www.chabadcaymanislands.com for more information. Waterfront & Outdoor Dining Cayman has an enviable number of places to eat while overlooking the water. In the South Sound area there is Grand Old House (Tel: (345) 949 9333) which offers classic and international dishes in an old world setting, and Sunset House (Tel: (345) 949 7111) a laid back tiki bar serving casual food and great cocktails. On the George Town waterfront is Casanova Ristorante (Tel: (345) 949 7633), a lively and familyfriendly authentic Italian restaurant that specialises in housemade pasta and pizza. Da Fish Shack (Tel: (345) 947 8126), serves fresh local fish. The Lobster Pot (Tel: (345) 949 2736) is a popular seafood restaurant with a wonderful deck that has sweeping views of the Island’s picturesque harbour. George Town Yacht Club (Tel: (345) 947 4892) is located at the Barcadere Marina and has a great seafood and bar food menu. Kids will love the swimming pool! The Seven Mile Beach area has an array of great restaurants with waterfront views: The Wharf (Tel: (345) 949 2231) has been around for 31 years and its talented chefs create mouth-watering international and Caribbean influenced dishes; The RitzCarlton, Grand Cayman (Tel: (345) 815 6912) features three premier waterfront restaurants including Seven, an upscale steakhouse serving Niman Ranch cuts, where you can dine on the terrace with sweeping views of Seven Mile Beach; Bar Jack, a casual beach bar with stunning sunset views and the best piña colada and

© Copyight Blackbeard’s 2017. All rights reserved.




where Italian cuisine meets a casual Caribbean ambiance, overlooking breezy waterways. (SEE AD PAGE 213) The Beach House (Tel: (345) 945 3800) at The Westin also offers deluxe views of Seven Mile Beach. Ave (Tel: (345) 746 4111), located at the Kimpton Seafire Resort, offers coastal Mediterranean cuisine and Coccoloba, also at the Kimpton, serves a mash-up of local and Mexican cuisine. Other options include the relaxed Royal Palms Beach Club, (Tel: (345) 945 6358) and LUCA (Tel: (345) 623 4550) another upscale restaurant on the beach serving contemporary Italian food. Camana Bay has six waterfront restaurants including: Mizu Asian Bistro + Bar, a stylish Asian-inspired restaurant and bar, Pani Indian Kitchen, authentic Indian cuisine, KARoo, cocktails and tapas, The Waterfront Urban Diner, American classics for an affordable price, The Brooklyn Pizza + Pasta, flavour-packed Italian and American cuisine in an edgy, urban and industrialchic setting along the waterfront, and Agua, a popular waterfront restaurant featuring the best Italian cuisine with a Peruvian twist. West Bay has an excellent choice of upmarket restaurants: Morgan’s is located at the Cayman Islands Yacht Club and has a wonderful seafood menu and a lovely breeze. Also in the Yacht Club is bàcaro (Tel: (345) 749 4800), the country’s only authentic Italian ‘tapas-style’ restaurant and wine bar. Cracked Conch (SEE AD PAGE 212) and Macabuca, both offer stunning views and excellent alfresco dining. Visit Cracked Conch for white tablecloth service and a cosmopolitan bar. Their signature conch dishes are legendary. Macabuca offers a more laid back bar with casual food and great cocktails. Calypso Grill (Tel: (345) 949 3948) and Catch (Tel: (345) 949 4321) are both located in Morgan’s Harbour and offer fantastic menus and panoramic views of the North Sound with a lovely cooling breeze. The Commodore Restaurant which serves lots of fresh and seasonal seafood, is in this area too. In Bodden Town, there is The Lighthouse in Breakers which has an outside deck with seating stretching over the sea. ‘Upstairs’ at Kaibo overlooks the 216



beach and serves upscale cuisine on the sea-view veranda, open every Thursday through Sunday, from 5.30pm. Try the awarded Chefs Tasting Menu and Rare Rum Bar. A water taxi is available upon request and can also take you to the acclaimed Rum Point Club & Restaurant (Tel: (345) 947 9412), home of the Mudslide, beach BBQs and sumptuous seafood dishes. Take a walk after your meal on one of the Island’s longest docks. Dining On A Budget Dining out in Cayman doesn’t have to break the bank. The Island’s impressive roster of restaurants includes many budget-friendly options, such as: Al La Kebab, The Burger Shack, Chicken! Chicken!, Da Fish Shack, Dukes, Fidel Murphy’s, George Town Yacht Club at Barcadere Marina, Gino’s Pizzeria, Guy Harvey’s Island Grill, The Sunshine Grill, Boggy Sand Caribbean Kitchen, China Village, Eats Café, Cimboco, Lone Star, Macabuca and Wok N’ Roll or try any of the Island’s fast-food restaurants. Check out promotional deals at www.caymangoodtaste.com. Dog-Friendly Restaurants Restaurants with dog-friendly outdoor areas in Cayman include: Calico Jacks, Dukes, Häagen-Dazs, Macabuca, Salty’s and KARoo. It is always best to keep your dogs on a leash and sitting properly under your table. Food Delivery Service You can get daily specials, and current menus and prices from restaurants that deliver food from the Good Taste website. Check out the ‘Restaurants that Deliver’ page on www. caymangoodtaste.com. Alternatively, Fine Dine-In (Tel: (345) 623 3463) and Island Grub (Tel: (345) 923 7974) deliver food and wine to your door from over 20 restaurants. Fancy a liquid breakfast? Cayman Breakfast Club (www.caymanbreakfastclub.ky) delivers completely organic breakfast smoothies to your door daily. Gino’s Pizzeria (Tel: (345) 623 7777) delivers delicious, made from scratch New York style pizzas Islandwide. They also offer a gluten-free option.

Visit: www.ginos.ky. Saucha (pronounced sowtcha) delivers locally sourced, organic vegan meals, including raw and glutenfree desserts, snacks, sourdough and house brewed kombucha. Call (345) 926 0508 or visit www.sauchaliving.com. They have just opened the Conscious Cafe in the Art Nest building which servers most of Saucha’s creations. Taste This Life delivers Caribbeanfusion meals to your door. Email: jessica@ taste-thislife.com for more information. For weekly lunch deliveries try Burger Shack, Island Naturals, Bread & Chocolate, and Full of Beans. Food Trucks Al La Kebab has two food trucks: one can be found in Red Bay right at the entrance to Selkirk Drive; the other in the Foster’s car park in West Bay. They offer a huge menu with plenty of healthy options. Visit www.kebab.ky for details on where to find them, seven days a week. Burger Shack’s food truck is usually parked in front of Country & Western Bar, serving their full menu of tasty burgers and hotdogs. The Swanky Stop offers freshly harvested local and seasonal produce and smoothies. Find the orange truck Monday-Saturday, 10am-6pm by the Market at the Cricket Grounds. Island Bites is a ‘Cay-Mex’ grill, serving up Mexican fusion cuisine made using local ingredients and flavours. They can be found across from the Cayman Crystal Caves in Old Man Bay. Good Mood Food Co. is located on the lot next to Copper Falls, and serves a variety of tasty and indulgent sandwiches and burgers. Bella Luna serves up healthy juices, smoothies, coffee and lemonade and you can find them parked across the road from Governor’s Beach. Tipping Tipping is standard practice in the Cayman Islands and, although server’s standard wages are generally higher than in the United States, it’s still an important part of a server’s income. Most restaurants include a gratuity on the bill of 15-18%, however, it is always wise to check, as it is

customary to leave a tip of approximately 15% and a little more for particularly good service or larger dining groups. BAR & CLUB SCENE IN CAYMAN

The Bar Scene The local bar scene is lively and new establishments emerge every year. We mention the most popular ones here: The Attic (SMB) is a great place to play pool and beer pong. Food available. Bar Crudo (GT) is part of the Guy Harvey’s group and serves great drinks and fresh seafood overlooking the harbour. Barolo (SMB) has a lovely patio, great wine list and good music with a DJ. Friday nights are extremely popular. Calico Jack’s (SMB) is a beach bar that hosts monthly full moon parties. Cayman Cabana (GT) supports local farmers with their fresh farm-totable fare. They have a large bar area and outdoor deck. Coconut Joe’s (SMB) has an open-plan bar and is a good spot to catch sports games. Coccoloba Bar & Grill at the Kimpton Seafire (SMB) is part street taco


joint, part beach hut offering expertly mixed margaritas and icy cocktails. Craft F&B Co. (SMB) is a popular gastro-pub with a large list of craft beers on tap and in a bottle. Great hearty eats. Kaibo Beach Restaurant (North Side) offers a fun and tasty menu and their famous Mudslide and fresh whole coconuts with local rum! Caribbean ‘Barefoot Beach BBQ’ every Tuesday night with live local


music. KARoo (Camana Bay) is a popular after-work venue. Offers cocktails, tapas and a Happy Hour Monday-Sunday 3pm-7pm and a Sunday BBQ Brunch. King’s Head (Camana Bay) is a British-themed pub with waterfront views of the Camana Bay Crescent. A cosy and intimate spot to enjoy a cocktail and bar bites. Offers a variety of themed nights. Legendz (SMB) has a bar with comfortable booth seating and lots of big TV screens. The Lodge (SMB) is a fun, friendly and eco-conscious bar with weekly live music and karoke events. Lone Star (SMB) is a bustling, Texas-style bar, popular with the 20+ crowd and tourists. Live music and TexMex food. Macabuca (WB) is a relaxed bar overlooking the sea. Monday night Caribbean BBQ, all you can eat from 5pm. It’s a great spot to watch the sunset and divers can jump into the water right in front of the bar for a night dive. Mike’s Bar at Salty’s (GT) is a laidback family-ran bar with expansive food and drink offerings. My Bar at Sunset House (GT) is a relaxed oceanfront bar just south of George Town. The perfect place to watch the sunset. Premier Brew (GT) is a relaxed after work happy hour spot, with cocktails, premier wines by the glass, and craft beers. The Ritz-Carlton, Grand Cayman (SMB) offers a vibrant yet refined nightlife. Silver Palm Lounge boasts an exquisite cocktail menu, with a resident DJ every Friday evening and a live band every Saturday evening. Enjoy delectable Japanese cuisine and the Island’s largest


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sake selection from Taikun, Grand Cayman’s

Lillies (SMB) is a sophisticated late night lounge

gourmet sushi restaurant. SEE AD PAGE 213.

and nightclub located above The Lodge in the

Royal Palms Beach Club (SMB) is a large

Strand Shopping Centre.

seaside venue with cabanas and a swimming

The Lodge (SMB) is a late night bar located

pool right on the beach.

below Lillies nightclub which hosts a weekly

Saltwater Grill (SMB) has a stylishly decorated

array of fun themed nights.

bar area and a twice-daily happy hour.

Note: Cayman observes a day of rest on Sunday, so bars and restaurants stop serving alcohol at midnight on Saturday and there is no live music permitted on Sundays.

South West Collective (GT) is a trendy spot, with board games and vintage foosball, and a great selection of beers and wines. The Wharf (GT) hosts Tuesday salsa nights, with free lessons at 9.30pm. Don’t miss the tarpon feeding at 7pm and 9pm. On the last Friday of the month the Boogie Nights Old School Dance Party starts at 9.30pm.


The Club Scene Grand Cayman is a small island, so there are only a few clubs of note, and they get very busy. There are also a few lounges that have dancing and live DJs.

Cigar Bars For the perfect casual cigar scene and a wonderful range of quality cigars, Club Havana is a great place to stop in. They have two locations: their cigar lounge in Caribbean Plaza (with a non-smoking section) or their bar in the West Shore Centre. Both locations have an admirable humidor selection and an in-house torcedor (cigar roller).

Barolo Lounge (SMB) is an intimate lounge that’s a great spot for dancing on a Friday night.


O Bar (SMB) is a popular nightlife spot with great drink specials.

Mixology The art of mixing the perfect cocktail is highly regarded on-Island. Luckily, bars and restaurants always rise to the occasion, creating wonderful concoctions using fresh local produce and a show of innovation! Try Anchor & Den for their gin-centric apothecary inspired cocktails and chilled ‘lounge’ vibe, Barolo Lounge for their classic cocktails and happening Friday nights, Catch for their farm-to-table drinks by the sea, bàcaro for their hand-crafted cocktails and delectable small plates, Ave at the Kimpton Seafire for cocktails infused with local exotic fruits and a long wine list and The Ritz-Carlton’s Bar Jack for the creamiest Piña Colada and first-class sunset views over Seven Mile Beach.

Catching ‘The Game’ Cayman is not short of good sports bars. Legendz, Coconut Joe’s, Craft F&B Co., Fidel Murphy’s, The Lodge, Salty’s, Lone Star, and Pirate’s Den (PDs) Pub, all televise the games on big screens with great food, comfortable seating and good service. SUPERMARKETS

Cayman’s grocery stores, in terms of brand range, are very comparable to large North American grocery stores. They carry most major US and Canadian brands, as well as USDA certified meats, UK brands such as Waitrose, lots of fresh fish, meats and a variety of fresh vegetables and fruit. All of the supermarkets carry organic products, however fresh organic fruit and vegetables from the US have to travel far to get here, unlike locally grown produce. The supermarkets sell very good meat, but the freshness of certain cuts of fish can vary between different stores. Ask when the fish came in and which is the freshest. Supermarkets Foster’s (Tel: (345) 945 3663) has five locations:





Republix Plaza, Countryside Shopping Village and a Foster’s Express opposite Moritt’s Tortuga Club in East End. All locations are open Monday to Saturday 7am-11pm, except Foster’s Express in East End, which is open Monday to Thursday 7am-7pm and Friday and Saturday 7am-9pm. All locations are open from 9am-6pm on public holidays and closed on Sundays. Foster’s is well known for their fresh produce, meat and fish, locally produced goods, and wide variety of specialty, organic and dietary specific products available at an inclusive range of price points. While all Foster’s

Live Music Scene The Island’s local music scene is diverse and filled with talent. Some great spots for live music include: Abacus, Anchor & Den, Deckers, Grand Old House, Barolo Lounge, Kaibo, The Lodge, Lone Star, Royal Palms Beach Club, Bar Jack and Silver Palm Lounge at The Ritz-Carlton, 5 O’Clock Somewhere at the Margaritaville Resort, The Wharf, and Tortuga Beach Bar at the Westin Beach Resort & Spa. 218



stores maintain a similar format, their largest Camana Bay location provides the widest variety of organic and specialty products. Their Camana Bay store also offers prepared meals for lunch and dinner. Foster’s is the exclusive distributor of Waitrose products from England and at Christmas time, they stock mince pies, Christmas pudding, brandy butter and other traditional treats which get snapped up quickly! SE E AD PAG E 211

Bay Market Cafe (Tel: (345) 945 3663) is a Whole Food style café featuring a coffee and juice bar, all day breakfast and light fare, gourmet salads and sandwiches, Asian wok and sushi, a grill bar, soup and salad bar, and hot and cold buffet style options from the Caribbean and around the world. Choose from their large cheese section and enjoy pastries, cakes and breads baked fresh daily. Indoor and outside seating available to patrons.

International Groceries The Oriental Market located opposite Anderson Square in George Town is great for finding international ingredients. They stock a wide range of dry and canned pan-Asian goods from China to Thailand. Open Monday-Saturday 9am-5pm and Sundays 10am-12pm. Tel: (345) 949 1109. Find their second location in Pasadora Place. Open on Monday-Saturday from 1pm-8pm. Tel: (345) 947 6000.

Hurley’s Supermarket (Tel: (345) 947 8488) is located at Grand Harbour Shoppes, Red Bay and is open Monday to Saturday 7am-11pm. They are well known for their fresh fruits and vegetables, and large assortment of organic produce. They have a recently expanded their Fresh Kitchen with an exceptional variety of

Farmers’ Markets You can find an abundance of homegrown (and mostly organic) produce at the peak of freshness at the Island’s local farmers’ markets. Get to the markets early to snag the best produce.

freshly made cold options and hot meal items Local Harvest Market at Camana Bay

a full service juice and smoothie bar, coffee bar,

Discover all things grown in Cayman at the

brick oven pizzeria, burrito bar, panini station

weekly Local Harvest Market. Local farmers

and sushi bar. We have been told that it is

from around the Island gather to offer fresh

so popular that people will drive out of town

produce and local farmed goods. You will find

to collect lunch from there! Hurley’s offers

various vegetables, fruits and even eggs

catering services and specialty cake orders.

for purchase. It all takes place Wednesdays

They now offer online shopping for either

10am-3pm, in Heliconia Court (on One Nexus

pickup or delivery at www.hurleys.ky.

Way across from Petit Paris).

Kirk Market (Tel: (345) 949 7022) is located

Market at the Cricket Grounds

between George Town and Seven Mile Beach

This vibrant and lively market is open Monday

on Eastern Avenue, and is open Monday to

to Friday from 7am-6pm and on Saturday

Thursday 7am –10pm and Friday and Saturday

from 5.30am-7pm. Located on Huldah Avenue

7am-11pm. Visit www.kirkmarket.ky. Kirk

next to the cricket pitch in George Town, we

Market offers a wider selection of gourmet,

recommend you get there before 8am on

natural, organic, gluten-free and more special

Saturdays. You can buy fresh local produce,

dietary foods than any other grocery store

fresh caught fish, meats and eggs, as well as

on-Island. In addition to these specialty

sample traditional Caymanian cuisine. Purchase

categories, you will also find an extensive

unique souvenirs and gifts, handmade crafts

offering of well known grocery brands. Kirk

and artwork, traditional straw work, preserves,

Market’s produce department features a

sauces, seasonings, natural beauty products

diverse range of quality fruit and vegetables

and jewellery made with shells or the precious

from both local and international farms. You

Caymanite stone.

will also find a full-service butcher counter, a bakery, a gourmet deli that features a chefinspired Mediterranean bar and a delicious hot bar and salad bar. Their in-house florist can create floral arrangements for any occasion or event. Kirk Market is also home to Kirk Pharmacy which can be reached by calling (345) 949 7180. SEE AD PAGE 3

Buying Fresh Fish Another benefit of living in Grand Cayman is that on almost any day of the week, you can buy fresh fish on the waterfront in downtown George Town next to Cayman Cabana. Fishermen anchor their boats offshore, set up tables on the beach and

Local Flavours If you are new to the Island and have not sampled an authentic Caymanian dish, such as conch stew or a fresh fish fry, stop by one of Cayman’s favourite local haunts: Amelia’s Kitchen (George Town), Grape Tree Cafe (Bodden Town), Heritage Kitchen (West Bay), Kurt’s Korner (North Side) and Vivine’s Kitchen (East End). Be sure to top off your meal with one of Cayman’s sweet ‘heavy’ cakes made from cassava or corn. Custard-top corn bread made with rich coconut cream is sinfully good! Street Food Jamaican Jerk, the internationally renowned street food, is big in the Cayman Islands! Try Mango Tree (George Town), Peppers Bar & Grill (SMB), Di Kit-Chin (Prospect) and Rankin’s Jerk Pit (Bodden Town) to name a few of the more well-known spots, however there are more jerk vendors off the beaten track. Gourmet Food Despite being a small Island there is a wide selection of gourmet foods and fresh dishes to choose from. Foster’s - Camana Bay The Foster’s location at Camana Bay (Tel: (345) 945 3663) offers the brand’s widest selection of organic and specialty products on-Island. In the ‘luxury’ range, they sell a variety of jams,


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available daily. The Fresh Kitchen also features

display their fresh catch. They charge approximately CI$4.50 per pound and sell the fish on the bone, but they will fillet it for you. Also, try Harbour House Marina, located at the end of Marina Drive in Prospect. The supermarkets sell types of fresh fish you cannot get from local fishermen, such as salmon (wild and farm-raised), cod, catfish, sole, swordfish, haddock and trout. Do not buy local grouper as it is critically endangered. A better choice is the similarly white flaky lionfish, which is invasive. Locally caught fresh fish is also sold at the Market at the Cricket Grounds next to the cricket pitch on Huldah Avenue in George Town.

olives, sauces, spices, exotic fruit and vegetables (all organic), as well as an impressive assortment of cheeses! They even sell fresh, organic dog food. SE E AD PAG E 211 Kirk Market In addition to well-known grocery items, Kirk Market (Tel: (345) 949 7022) carries an excellent selection of fine gourmet foods from around the world. They also feature fresh local produce and an impressive selection of natural, organic and gluten-free products. Visit www. kirkmarket.ky. SE E AD PAG E 3 The Tasting Room

Great wines No retail outlets Cellar Prices


Interesting wines from around the world FOOD & DRINK

Wines for everyday drinking and special occasions Free delivery island-wide Other services include shipping and Customs clearance of private collections to Cayman and storage in our climate controlled cellar.

Sells Italian olive oil, balsamic vinegar and honey. On request, they will prepare gourmet picnics and gift baskets filled with wine and amazingly delicious food. They also host monthly supper clubs. Located in the Caribbean Plaza on West Bay Road. Tel: (345) 322 4925.

Goods Produced Locally Tortuga Rum Company (Tel: (345) 623 7701) manufactures delicious rum cakes that you can watch them make. Cayman Spirits Co. (Tel: (345) 943 4786) produces locally distilled Seven Fathoms Rum, matured seven fathoms underwater! Call for a tour of the 5,000 sq ft facility or email: tours@rum.ky. Cayman Sea Salt sells their locally produced sea salt in most supermarkets, gift shops and at the Pure Art Gallery. Email: caymanseasalt@candw.ky. Cayman Islands Brewery (Tel: (345) 947 6699) produces twelve locally brewed beers which people can sample at their factory in Prospect. Kombucha tea is brewed on Island at Jessie’s Juice Bar and by Elizabeth Chisholm who can deliver a range of flavours, including decaf varieties. Email: kombuchabyelizabeth@gmail.com. Saucha (Tel: (345) 926 0508), a vegan meal delivery company, delivers artisan sourdough and a variety of house brewed kombucha in two bottle sizes. Visit them at Conscious Café, their first brick-and-mortar location, in the Art Nest Creative Studio. For over 30 years, Cayman Honey (Tel: (345) 947 1255) has been produced by bees owned by Sybil and Otto Watler and is well known as a local delicacy. They operate out of a house in Savannah and are very welcoming to visitors who would like to sample and buy their honey. They also sell it in the local grocery stores. Cayman Islands Sauce Company (Tel: (345) 516 2467) produces a hot sauce from the extremely hot scotch bonnet pepper. Carol Hay of Cayman Pepper Patch makes Gourmet Pepper Jelly that can be bought at supermarkets and select gift shops on Grand Cayman and at Mary Lou’s liquor shop in Cayman Brac. From April to October, Hank Ebanks can be found on the roadside outside the Mango Tree restaurant selling live white land crabs. The Farmacy grows and delivers fresh, seasonal produce twice a month. Email: thefarmacy@mail.com for more information. Buying In Bulk Buying in bulk is a great way to save both time and money, and is more environmentally friendly. The following stores also carry




canned and dry goods (great for stocking up on emergency supplies during hurricane season), frozen meats and seafood and a limited selection of fresh produce, as well as a wide variety of children’s toys, home and office supplies, ice-chests, personal care products, televisions and other electronics. Cost-U-Less: (Tel: (345) 745 5377) is located in Governors Square off West Bay Road and is open Monday to Saturday 8am-9pm. Priced Right: (Tel: (345) 815 1070) offers warehouse shopping without a membership. Their wide selection allows you to find everything you need for your home and family. Priced Right is located in the Airport Centre and is open Monday to Saturday 8am-9pm. There is also a Priced Right store located adjacent to the West Bay Foster’s store (Republix Plaza), open 7am-11pm, Monday-Saturday. Foster’s at Camana Bay, their affiliate, also has a bulk section in store where customers can purchase flour, snacks, nuts coffees and more in bulk and

Reflections Food 4 Less has two locations: MacLendon Drive (Tel: (345) 949 3797) open 24/7 and their second location on Godfrey Nixon Way (Tel: (345) 947 3663) open MondaySaturday from 7am-7pm. They both sell drinks, frozen food, and canned and dry goods. BEER & WINE

Local & Specialty Beer There are a number of bars and pubs where you can find most of your favourite American beers. For a good selection of draught Irish beers on tap, head to Fidel Murphy’s Irish Pub & Restaurant. There are also a few beers locally produced and a range of international and craft beers served at a number of Cayman’s restaurants, some of which are listed below: Cayman Islands Brewery Ltd. (Tel: (345) 947 6699) produces eleven beers year round and four seasonal beers. Caybrew, a full-bodied German style pilsner premium lager; Caybrew Premium Light, a light beer with only 110 calories and 4.5% ABV; Ironshore Bock, an amber beer

and the popular local beers from Caybrew. Craft Food & Beverage Co. (Tel: (345) 640 0004) boasts the largest selection of craft beers on-Island. The beer menu features 12 beers on tap ranging from local and international selections. Liquor Stores & Wine Merchants BlackBeard’s liquor stores have eight locations, with most of them open until 10pm. Call (345) 945 2222. Blackbeard’s flagship store is in Camana Bay, which houses a 1,000 sq ft wine room where you may try your wine before you purchase it! All their stores have monthly specials on wine, liquor and beers with deep discounts on top brands. SE E AD PAG E 215 Jacques Scott has six high-end wine and liquor stores across the Island. The flagship store on Shedden Road stocks the widest range of beers, wine and spirits on-Island and to suit all budgets. They also offer free delivery to your home or office anywhere on Grand Cayman. Call (345) 949 0277 or visit www.jacquesscottonline.com. SE E AD PAG E 217

Tortuga Fine Wines and Spirits is family owned and operated since 1984, with at least ten liquor store locations, including a store in the Owen Roberts Airport. They sell their world famous rum cake and other Tortuga products. Tel: (345) 623 7701. Vino Veritas has no retail outlets, but operates from their climate-controlled cellar. They hand-pick wine from small vineyards worldwide and sell it by the case (mixed cases are fine), often at less than CI$20 a bottle. They also have a large selection of French wines. When ordering wine from them, call and chat with Iain, their wine expert, who will recommend a mix of wines that fit your taste and budget and he will then deliver them to you at any address in Grand Cayman. Tel: (345) 526 8466 or email: info@vino.ky. SE E AD P R E VIOU S PAG E West Indies Wine Company is both a tasting room and inspired shop, offering 80 different wines by the glass – served at the perfect temperature via state-of-


www. c a y m a n r e s i d e n t . c o m




package free.

brewed with specialty hops and malts to 7% ABV; 345 Stout, a dark beer with chocolate and roasted coffee flavour; Nitro Stout, a nitrogenized version of the 345 Stout with a creamy finish; Shellshock IPA, an Island IPA with notes of grapefruit; White Tip Lager, a Belgium style moderate bodied lager, for which part of the profits are donated to the Department of Environment and the Guy Harvey Ocean Foundation; Seven Mile Wheat, an unfiltered straw coloured beer with an orange marmalade and coriander aroma; Mango Tango, a clear straw colour with mango flavour and a hint of grains; 345 Lager a clear straw colour with hints of a grass and honey notes flavour; Freestyle, a low cal, low carb beer, gluten free and 97 calories. Seasonally, they produce four craft beers: Twisted Citrus, fresh orange and grapefruit notes; Pirates Red an amber beer with caramel notes and a spicy finish; Gone to Helles, a light German style lager with a light spicy finish; Mastic Pale Ale, a hop forward beer with notes of pine, 5% ABV. They have tours every hour from 9am-5pm. There is also a tap room on site. They recycle all their spent grain and donate it to local farmers, at present they have a 40% return rate for their bottles and the investment into a new aluminium bailer has allowed them to reduce the amount they are contributing to the landfill. 19-81 Craft Brewery (Tel: (345) 945 0440) is devoted to creating premium quality craft beers – starting with the introduction of their three signature handcrafted beers: Island Session, the Cayman Blonde, and their Tropical IPA. 19-81 beers are available on tap at several local bars and restaurants, or you can visit them at their dedicated tap room at the brewery. KARoo (Tel: (345) 946 6633) has an excellent selection of international beers and is a popular ‘watering hole’. Draft beers include Hoegaarden, Guinness, Magners Cider and Stella Artois. The bottled beers include an ever changing list of products from North America, Europe



the-art Napa Technology WineStations. Now offering snacks and bites to enjoy with the perfect glass, this spot is a go-to stop to unwind after work or on the weekend. Open seven days a week. Tel: (345) 640 9492 or visit www.wiwc.ky.

Offers private and group cooking lessons


of local Caymanian food. Reservation required.

In 2019, the following restaurants in Grand Cayman received a prestigious Wine Spectator Award of Excellence or higher, with the Island once again securing its place as the wine capital of the Caribbean: Agua Restaurant & Lounge, Grand Old House, The Wharf, Edoardo’s, LUCA, Ragazzi, Beach House, Calypso Grill, Catch Restaurant and Ristorante

Visit www.nationaltrust.org.ky for a schedule


Cayman Cookout

using local ingredients. The National Trust Offers traditional cooking classes every month

of cooking classes.

Culinary Events To keep up-to-date with all the culinary events happening throughout the year, visit www.caymangoodtaste.com or www. explorecayman.com/event-calendar.

The Caribbean’s most respected culinary event,

Duty On Alcohol Liquor carries a heavy duty which is reflected in liquor store prices and the cost of drinks at bars and restaurants. Duty on hard liquors such as rum starts at CI$11.85 per litre. Duty on wine is CI$3.60 per litre; champagne is CI$10.80 per litre; sparkling wine is CI$7.80 per litre; overproof liquors are CI$15.98 per litre; liqueurs are CI$13.50 per litre; and duty on beer is CI$1.95 per litre. CULINARY THINGS TO DO

Cooking Classes Cooking classes are very popular in Grand Cayman and a great opportunity to meet new foodies.

April 2020. Visit www.tasteofcayman.org.

across the Island, with a focus on vegan food

hosted by Chef Eric Ripert and a roster of world famous chefs, sommeliers and mixologists

Full Moon Celebrations Kaibo’s ‘Luna del Mar’ dining experience started the full moon celebration scene. On the Friday closest to the full moon you can enjoy a nine-dish sharing feast on a torch-lit beach with lanterns, a fire pit and a DJ. Cayman Ferries operates from Camana Bay to Kaibo for CI$20 per person. Calico Jack’s on SMB has a jamming full-moon beach party. Catch, in breezy Morgan’s Harbour has full moon events with live music. Lobster Pot has an extensive outdoor patio ideal for catching the full moon. The Cracked Conch & Macabuca on North West Point Road in West Bay have an outstanding oceanfront location, complete with wonderful food.

at The Ritz-Carlton in Grand Cayman. Events include culinary demonstrations, tastings and dinners. 16th-19th January 2020. Visit www. caymancookout.com. The Flavour Tour (Camana Bay)

Food & Wine Societies Below are a few well known food organisations. While very welcoming, some do require new members to be recommended by existing members.

Tel: (345) 640 9492 Delight your taste buds and try something new

International Wine & Food Society (IWFS)

at the farm-to-table Flavour Tour experience,

Cayman’s branch of the IWFS was first

presented by Camana Bay and Market Street

chartered in 1987 and they now have over

Group. The Flavour Tour is a guided dining

100 members. They host between six

adventure through a few of Camana Bay’s

and eight events a year, including wine



tastings, dinners with special menus at local

presented in the restaurants signature

restaurants and cooking demonstrations.

styles. Start the evening at West Indies Wine

They also have a members-only wine

Company for a taste of one of the shop’s 80

inventory. Membership is by invitation from

Bon Vivant Kitchen Studio

wines followed by stops at three Market

another member only. Visit www.iwfs.

Tel: (345) 623 2665

Street Group’s Camana Bay restaurants and

org/americas/cayman-islands or see the

Email: info@bonvivant.ky

end at Gelato & Co. for a scoop of any of the

Society’s Facebook page.


shop’s many gelato flavours or sorbettos.

Bon Vivant’s lively cooking classes focus

Every Wednesday at 6.30pm, with a weekly

Slow Food South Sound

on quick, healthy and delicious dishes that

changing menu. For more information, visit


everyone can enjoy. Classes are themed and


culinary group promotes the use of local and







sustainable food, the preservation of local

you can enjoy your creation with two glasses of wine paired with your meal. They also offer

Taste of Cayman Food & Drink Festival

food cultures and the enjoyment of dining in a

private classes for a minimum party size of 14.

Now in its 32nd year, foodies gather in the

convivial setting. The group has over 10 events

Kids classes are also available. SEE AD PAGES 191 & 235

thousands to experience classic local cuisine

per year. Annual events include Slow Food

and new, refreshing tastes from further afield.

Day, Terra Madre (Mother Earth) Day and Slow


In addition to delicious culinary offerings,

Food Culinary Week. Email: slowfoodcayman@

Tel: (345) 926 0508

festival-goers can enjoy live music, chef

gmail.com for information.

Email: britta@sauchaliving.com

demonstrations and fireworks. Saturday, 4th




Soul Food Family Supper Club This popular social club is where local foodies,

brunch. Pani Indian Kitchen and Catch serve a Saturday and Sunday brunch.

families with children and Cayman’s culinary stars come together to celebrate their love for food. The Club hosts several events throughout the year at private residences and unique locations on-Island. Visit www. soulfoodiesupperclub.com.

tasting classes, suitable for small groups and large corporate gatherings of up to 100+. Try

Wine Tasting & Dinners Restaurants often host wine dinners in Cayman with prix fixe menus. Check out www.facebook.com/caymangoodtaste and the www.explorecayman.com/eventcalendar to stay in the loop. Westin Wine Dinners Tel: (345) 945 3800 ext. 6017 Wine events are held several times per year

unique wines and learn from leading Sommelier and international judge, Christian Esser.

Catering If you are hosting a party or large scale event, there are a great selection of caterers on-Island, but the most established caterer in the country is Mise en Place. It’s owned by award-winning chef Sean Collins, and can cater for all types of events.

and the dinners feature gourmet cuisine with superb wines. Reservations are essential.

Mise en Place Tel: (345) 623 2433

The Tasting Room

Email: info@catering.ky or www.catering.ky

Caribbean Plaza, West Bay Road, SMB

Premiere events catering company offering

Tel: (345) 322 4925

fully-custom or packaged catering options

Offers fantastic wine and food tasting evenings

for weddings, private events and corporate

by reservation only.

functions, as well as private chef services.


Includes a fully licensed mobile bar, pop-up Wine, Spirits and Mixology Courses

cocktail cart, and access to an exclusive

Unit 3, Paddington Place, Godfrey Nixon Way

seaside venue seating up to 200 people.

Email: info@wineschool3.com



www. c a y m a n r e s i d e n t . c o m


Sunday Brunch in Cayman Restaurants are buzzing on Sundays between the hours of 11am-3pm. They offer an impressive feast of fresh seafood, breakfast favourites, sushi, amazing desserts and unlimited bubbles. Generally reservations are a must. Popular choices include: LUCA, Anchor & Den at the Marriott Beach Resort, The Ritz-Carlton, Ave at the Kimpton Seafire, Ferdinand’s at the Westin, Agua, Craft, Mizu and Blue Cilantro. Agua offers a family-style brunch. For a casual vibe with affordable prices, try the BBQ Brunch at KARoo, China Village for their Dim Sum or Tukka for their buffet style

Wineschool 3 offers a range of wine and spirits


Shopping Photos courtesy of Design Studio and Julie Corsetti.

An overview of shopping in Cayman. Here you will find information on where to buy clothing, beauty products, home decor, sports equipment and much more.




Cayman Shopping - Antiques & Art Galleries - Art Supplies - Beauty Products - Bicycles - Books & Stationery - Building Supplies - Buying in Bulk - Cameras & Photographic Equipment - Clothing - Children, Adults & Maternity - Computers & IT Services - Dive Equipment - Electronic Equipment - Fireworks - Furniture Stores - Restored & Refurbished Furniture - Hardware - Homewares, Accessories & Lighting - Hurricane Supplies - Jewellery, Watches & Repairs - Musical Instruments - Party Supplies & Rentals - Plants, Flowers & Garden Centres - Shoes - Sports Clothing & Equipment - Sunglasses - Toys - Thrift Shops - Underwear

224 225 225 226 227 227 228 228 228 229 230 231 231 231 231 233 233 233 235 235 235 236 236 236 237 237 237 237 238

Online Shopping





rand Cayman offers a wide range of goods and services from high-end items, to surprising bargains and everything in between. It is quickly becoming one of the Caribbean’s shopping meccas, and not just for the duty-free items! Artwork, books, toys, cameras, jewellery, household accessories and furniture, are just the beginning of what our shops have to offer. For high-end clothing or accessories, fashion lovers no longer have to travel abroad as there are stores offering a wide selection of upscale items, especially in the swim and resort wear ranges. Fashionistas who prefer a bargain should not be disheartened, as recently more shops have opened that offer great choices at relatively low prices. Seasonal sales, such as Black Friday, also happen on-Island, so make sure to keep an eye out! There are a number of shopping centres in Grand Cayman, each offering an extensive variety of shops to choose from. In the central George Town area, many of the stores are aimed at tourists, specifically those coming off the cruise ships. Shops and shopping centres in this area, such as Bayshore Mall and Island Plaza, sell jewellery, art work, souvenirs and beauty products. Along the Seven Mile Beach strip you will mainly find clothing stores, especially those selling swim and resort wear, salons and a few stores selling books, stationery and craft supplies. The majority of the furniture stores are located within or near Industrial Park, and the major homeware stores are located in the vicinity of Eastern Avenue. Camana Bay is full of shops, from clothing and books to kitchen supplies and shoes. In Savannah, the Countryside Shopping Centre houses a Foster’s supermarket, an A. L. Thompson’s and other shops from healthcare to salons.

Antiques & Collectables

cooked food. Monday-Friday 8.30am-3pm.

Artifacts Ltd. is a treasure trove of antique

8077, visit www.kennedygallerycayman.com or email: kgallery@candw.ky. SEE AD PAGE 226

maps, prints, silver, coins, jewellery, shipwreck

Cayman Islands National Museum is located in

treasures and china, as well as unique modern

the heart of George Town and celebrates the

National Gallery of the Cayman Islands (NGCI)


unique natural and cultural heritage of Cayman.

is located on the Esterley Tibbetts Highway

The Museum Shop offers a wide selection of

and is the permanent home of the national

locally made products, souvenirs and are the

art collection. They also host a wide variety

official distributors of the Cayman Island flag.

of exhibitions throughout the year, and

Open Monday-Friday 9am-5pm and Saturday

their facility includes an art studio, an onsite

from 10am-2pm. Tel: (345) 949 8368.

café and gallery shop with locally made gift





Galleries, Harbour Drive. Tel: (345) 949 2442.

Art Galleries & Locally Made Items Art galleries in Cayman showcase the high quality works of local artists and crafts people, which have become highly collectable. Featured work includes original paintings, Caymanite jewellery, hand-woven thatch products, Cayman sea salt, soap products, artisanal jams, hot sauces and sculptures.


PAG E 368

items and gorgeous prints of works from the national collection. The National Gallery is open

Cayman Nature Store aims to provide eco-

Monday-Saturday 10am-5pm. Entry is free.

friendly products that help in preserving the

Tel: (345) 945 8111.

Islands’ environment. They have a selection of apparel, plastic-free items and art from

Pure Art features Cayman’s best-known

Art Nest is a welcoming and exciting creative

local artisans. Located in Dart Park, South

and beloved painters, sculptors, artisans and

studio where local artists can paint, create, make

Sound. Open Monday-Friday 9am-5pm and

craftspeople with original paintings, art prints

and exhibit their work. They also sell local fine art,

Saturdays 11am-4pm. Tel: (345) 749 1121 or

and handcrafted gifts. Located on South

ceramics and craft items in their retail division

visit www.nationaltrust.org.ky.

Church Street. Open Monday-Thursday 9am-

at 131 Centre, MacLendon Drive. Visit www. artnestcayman.com.


6pm, Friday and Saturday 9am-5pm. Tel: (345) Goodness offers a selection of handmade

949 9133 or visit www.pureart.ky.

gifts from inspirational signs to body and Awardart




home essentials. Open Monday to Friday

Sandon Feat Gallery features paintings by local

contemporary art gallery with 2D and 3D

10am-5.30pm and Saturday 10am-4pm.

artist, CEWhitney, as well as a unique variety of

artwork which changes regularly. The gallery

Located at 135 North Church Street. Tel: (345)

local handicrafts. Located at 72 North Church

also leases artwork, facilitates commissioned

926 2111.

Street, George Town. Open Monday-Saturday

works and will source the perfect works

9am-5pm. Tel: (345) 949 7263.

for your needs and budget. 131 Centre,

Guy Harvey Gallery and Shoppe sells original

MacLendon Drive, GT. Tel: (345) 927 5516 or

paintings, giclées and limited edition paper,

The Wreck View Art Gallery carries local

visit www.avrilward.com/awardart-gallery.

canvas and aluminium art by Guy Harvey, 49

crafts, paintings, sculptures and inexpensive

South Church Street, George Town. Tel: (345)

jewellery. Located in East End, opposite Tukka

943 4891. Visit www.guyharvey.com.

Restaurant. Tel: (345) 928 6662.

made in Cayman or inspired by its natural beauty

Hand Made With Love sells leather products,

3 Girls & a Kiln is an art collective focusing on

and storied history. www.camanabay.com/local.

handmade quilts, spreads, stuffed toys and

fun design and local, Island-inspired ceramics

Camana Bay’s All About Local is where the shops in the Town Centre offer an array of products

pillow cases made as part of a Northward

and upcycled art. They offer a wide selection of


Rehabilitation Programme. Located in Crown

monthly art classes for all ages. Market Street,

collection can be viewed at the Cathy Church

Square, Eastern Avenue. Open Monday to

Camana Bay. They are open Monday-Saturday

Underwater Photo Gallery located on South

Saturday 9.30am-4.30pm.

10am-7pm. Check out their Facebook, Etsy




Church Street in South Sound. Tel: (345) 949 7415

page or visit www.3girlsandakiln.com.

or www.cathychurch.com.

Kennedy Gallery carries a large variety of

SE E AD PAG E S 228, 272 & 354

local original art, photography, prints, giclées, cards and sculptures handcrafted by over

Art Supplies A variety of paints, brushes, canvases, and arts and crafts supplies for recreational use can be found from the stores listed below.

Cayman Craft Market, located on the corner

60 local and international artists. They also

of Boilers Road and South Church Street,

offer custom framing and have an extensive

George Town, brings together visitors and the

inventory of mats, glass and frames. They

local artisans who create and display uniquely

also offer a photo printing service on various

Caymanian art and craft souvenirs. Here you

papers and canvases which is ideal for making

Art Nest

will find items made from leather, thatch, wood,

giclées. Located in the West Shore Centre

They stock a range of art supplies including

and shell as well as locally made jams, jellies and

(Pink Plaza), on West Bay Road. Tel: (345) 949

water, acrylic and oil paints, canvases,


www. c a y m a n r e s i d e n t . c o m




graphite pencils, art markers as well as art and activity kits. 131 Centre, MacLendon Drive. Tel: (345) 949 0107. Book Nook

Beauty Products There is a vast selection of well-known beauty products that can be purchased onIsland and most salons will sell the brands they use in store. See below:

Offers wellness gifts, bath and body products, Kerstin Florian, Intraceuticals HydraFacial and Pure Fiji skin care products. Tel: (345) 914 2009 or (345) 914 2010, email: hibiscusspa@

Home to an array of toys, books and arts


and crafts materials, particularly suitable for

Beyond Basics Medical Day Spa


children. Galleria Plaza, West Bay Road. Tel:


(345) 945 4686.






Skincare, Poo





Gold and

Kirk Freeport

Revivogen. Located on the 3rd Floor of the

Shop for the latest products in makeup,

Kirk Office

Tomlinson Building, George Town. Tel: (345)

skin care, fragrance, men’s products and

Carries an extensive selection of acrylic,

945 2737. Email: info@beyondbasics.ky.

more in dedicated Kirk Freeport stores and boutiques. Stocking over 450 different

watercolour and oil paints, as well as washable


Hibiscus Spa at The Westin Grand Cayman

children’s paints. Their range of art supplies

Body Works

products from the world’s top brands such

include a variety of brushes, canvases,

Sells Aura Cacia, Kneipp, Deep Steep, Eminence,

as Chanel, Christian Dior, Clarins, Guerlain,

drawing pencils, felt swatches, glue and

Gaiam Products, Gehwol Foot Products, OPI

Lancôme, L’Oréal Paris, La Prairie, Sisley

glitter. 67 North Sound Road, George Town.

and Thalgo. Also candles, books, CDs and DVDs.

Paris, Shiseido and Yves Saint Laurent and

Tel: (345) 623 5475. www.kirkoffice.ky.

Queen’s Court Plaza, West Bay Road. Tel: (345)

more! Cardinal Avenue (GT), Bayshore Mall,


945 6485.

Kirk Freeport at The Strand, The Westin


Hotel. Tel: (345) 949 7477 or visit www. Office Supply

Da Vinci Centre for Wellness & Alternative

Offers a large selection of arts and crafts,


school and office supplies. Marquee Plaza,

Sells Chrysalis anti-aging skincare products.

Le Visage

36 Lawrence Boulevard. Tel: (345) 946 1200,

Located at Park Place Plaza on West Bay

Sells Elemis, Cowshed, Coola Organic Sun

email: info@officesupply.ky.

Road. Tel: (345) 943 2002, email: info@

Care, James Read Tan, Stila Cosmetics, Butter


LONDON, BECCA Cosmetics, Kevyn Aucoin




kirkfreeport.com. SE E AD OU TSI DE BACK COVE R


Cosmetics, Murad and much more. The Paseo,

SE E AD PAG E S 336, 337 & 340

Camana Bay. Tel: (345) 946 2332 or email: sharron@levisageboutique.com.

Eclipze Hair Design & Day Spa Sells Goldwell, TIGI – Catwalk, Bed Head, B

MAC Cosmetics

for Men and TIGI Cosmetics, Peter Thomas

Sells MAC cosmetics beauty products and

Roth, June Jacobs Spa Collection, Aromafloria-

skin care. 40 Royal Plaza, Cardinal Avenue,

Smelling beads and Muscle Soak, Gehwol, OPI,

George Town. Tel: (345) 949 6513 ext. 5202.

Bella, Niko Hair Care and Mineral Makeup, Wet brushes, Olivia Garden brushes and more.

Madison One Salon

Camana Bay. Tel: (345) 945 1188 or (345) 916


7274 or email: eclipze@eclipze.ky.

Professional. Earth Close, off West Bay Road.






Tel: (345) 525 0813. Every Bloomin’ Thing (EBT) A family-owned floral and gift shop. Selling plants,

Man Cave

home decor, children’s toys and unique gifts. 384

Sells the following products for men’s use:

Crewe Road, George Town. Tel: (345) 945 1701.

HOMMAGE shave care products and shaving

Email: info@ebt.com.ky.

equipment line, VITAMAN hair care products, Beardbrand for beard care, MÜHLE shaving

Focus Hair & Beauty

equipment and accessories and Repêchage

Sells Guinot, Kérastase, Redken, Nutrients and

skin care products. Located in Caribbean Plaza,

L’Oréal. Marquee Plaza, Lawrence Boulevard.

West Bay Road, SMB, Tel: (345) 943 2283,

Tel: (345) 943 6287.

email: info@mancavecayman.com or visit www.mancavecayman.com. SE E AD PAG E 158




Paige & Co.


Sells a full range of TIGI Bed Head products.

Sells Repêchage, Jane Iredale, Chella and more.

Pasadora Place, Smith Road, George Town. Tel:

60 Smith Road Plaza, GT. Tel: (345) 945 6969.

(345) 949 6912. Penha Perfume & Cosmetics Sells fragrances, skin care and cosmetics. 40 Royal Plaza, Cardinal Avenue, GT. Tel: (345) 949 6513 ext. 5102. Tips ‘N’ Toes Sells Dermalogica, Essi, Orly, Gelish, OPI, Young Nails, Minky Lashes and Versa Pro Spray

Bicycles There is a wealth of bicycles and bicycle accessories available for both adults and children on-Island. The main supplier is Uncle Bill’s Home Improvement (Tel: (345) 949 7601). They also sell a wide variety of bike-related products including, accessories, lights and repair kits. Kirk Home Centre (Tel: (345) 949 2521) also

sells a good selection of Huffy bicycles. Both can be found on Eastern Avenue in George Town. Cayman Mobile Bike Repairs (Tel: (345) 936 8385) is an authorised dealer for Felt, Bianchi, specialized bicycles and components. Books & Stationery Cayman has a great selection of bookstores, and it’s worth spending time to browse them all as each carries a variety of books, gifts and toys.

Tanning. Bayshore Mall, George Town. Tel: (345) 943 8637. Rock Gorgeous Hair Salon They sell GHD (flat iron and blow-dryers), Oribe,


Unite, Olaplex, Smith & Cult Nail Polish, top-


of-the-line hair extensions like Miracle Wire HaloCouture, tape-in extensions, and bonded Great Lengths, GK Hair Keratin products, Colette Malouf Hair Jewellery, and Pink Pewter hair accessories. 1st Floor, Coconut



Home delivery


Plaza, off West Bay Rd. Tel: (345) 925 4231, email: info@rockgorgeoushair.com or www. rockgorgeoushair.com. La Prairie Spa, The Ritz-Carlton The spa offers a wide selection of La Prairie beauty products. Located on West Bay Road. Tel: (345) 815 6900. Spa Esprit Hair Design & Day Spa Sells Biolage, Phyto, KMS, Milbon, Minky’s, OPI and more. The Strand Shopping Centre, West Bay Road. Tel: (345) 945 4334. Styles Hair Salon & Spa Sells Matrix, Biolage, Biosilk, Brazillian Blowout, Chi, Lanza, Tec Italy, Paul Mitchell, Redken, Sebastian, Sexy, TIGI Bed Head products for men and women and Remy Laure skincare (used in salon only). West Shore Centre (Pink Plaza), West Bay Road. Tel: (345) 949 8809. Facebook: Styles Beauty Salon and Spa.

“ I created HÜIS to simplify the process of decorating a home from Cayman, and make interior design accessible to everyone, by providing an easy and stress- free way to shop for furniture and accessories on and offline. ” - Lydia Uzzell


Vanity Hair & Nail Design Sells Aveda and Living Proof. Midtown Plaza,

HÜIS- The Storefront opening Summer 2019 Tuesday- Saturday 10AM- 6PM 350 Shedden Road, George Town

Find your home inspiration at www.huiscayman.com

GT. Tel: (345) 949 7929.


www. c a y m a n r e s i d e n t . c o m



Atlantic Kids

The Book Loft

cards, journals and more. Open Monday-

More than just a clothing and toy store, ‘AK’

The Cayman Islands Humane Society’s charity

Saturday 9am-6pm. Located on 185 Elgin

offers a unique selection of books for children,

book shop, The Book Loft, is mostly run by

Avenue, George Town. Tel: (345) 945 1252.

as well as other educational items which can

volunteers and sells used and new adult and

help children learn to read, count and improve

kids’ books, and only displays books in a good

their analytical skills. ‘AK’ also carries an

condition. They also sell DVDs (CI$2 each),

assortment of back to school items including

gifts, stationery, greeting cards and paper, as

Jansport backpacks. They are open Monday-

well as both adult and kids games, computer

Wednesday from 9am-6pm and Thursday-

games and puzzles. The Loft is open Monday



12.30pm-4pm, Tuesday-Friday 9.30am-4pm

Godfrey Nixon Way. Tel: (345) 943 2296. www.

and Saturday 9.30am-4.30pm. All monies


raised is for the animals. Tel: (345) 946 8053


or email: humanesocietybookloft@candw.ky.

Books & Books

Book Nook

Books & Books is the Island’s leading retailer

They have a very good selection of adult,

of books, toys and gifts for all ages. The shop

teen and children’s books, travel guides,

also holds frequent events including author

cookbooks, notecards, candles and other

signings and readings, kids’ story and craft

unique gifts. Open Monday-Saturday 9am-

time. A free gift-wrapping service is also

6pm. Located in the Galleria Plaza on West Bay

available. They are open Monday-Saturday

Road. Tel: (345) 945 4686.



Buying In Bulk If you are looking to buy bulk items like nappies, cleaning supplies, toilet paper, non-perishable food and soft drinks, Cayman has a good selection of wholesale stores. Priced Right and Cost-U-Less both sell an array of different household items. Cost-U-Less Governors Square, 51 Lime Tree Bay Avenue.

from 10am-7pm and on Sundays from


Building Supplies There are a handful of replete building supply companies in Cayman. The major building suppliers are A. L. Thompson’s, Cox Lumber and Kirk Home Centre. For in-depth information, please see the Building a Home chapter.

Open Mon-Sat 8am-9pm. Tel: (345) 745 5377.

10am-5pm (hours are extended to 9pm in

The Christian Enlightenment Centre

December). The Paseo, Camana Bay. Tel: (345)


640 2665. www.booksandbooks.com.

Devotionals, home décor gift items, greeting




Bibles, Priced Right Two stores: Airport Centre is open Mon-Sat 8am-9pm, and West Bay Republix Plaza is open Mon-Sat 7am-11pm. Tel: (345) 815 1070 or (345) 949 3214. Mise en Place Offers a cash and carry service. Tel: (345) 623 2433. Visit www.catering.ky/wholesale.

Cameras & Photographic Equipment In some cases, cameras and camera equipment may be cheaper on-Island than in the US or Europe as they are duty-free. Cathy Church’s Photo Centre Sells a wide range of digital cameras including Nikon, Olympus, GoPro, Polaroid, underwater systems and more. With the camera purchase, you also get 20 free 4x6” prints from the convenient self-service print kiosks. They also offer underwater camera rentals and canvas printing. The gallery of Cathy’s beautiful underwater photos is worth the trip. They are located at Sunset House Hotel, South Church Street, GT. Tel: (345) 949 7415. www. cathychurch.com. SE E AD T H I S PAG E, 272 & 354 228



Picture This Studios

The Baby Shoppe & The Kids Shoppe

They sell Nikon, Fujifilm and other top brand

Sells clothing for infants, toddlers and

cameras including a full range of DSLR cameras

tweens, as well as a large selection of infant

with interchangeable lenses. They also offer

supplies, car seats, cribs, strollers and toys.

waterproof cameras for up to 30m (100 ft),

Alissta Towers, North Sound Road. Tel: (345)

long range zoom cameras and other stylish

949 2229.

cameras for under CI$100 as well photography accessories and frames. They offer quality

Adult Clothing & Accessories

photography and cinematography by an

Activ Angels

experienced team. Located in Suite 3117, 45

Grand Cayman’s largest selection of yoga,

Market Street, Camana Bay. Tel: (345) 943

active, performance wear, athleisure, sportluxe

3686. Visit www.picturethis.ky.

clothing for men and women. Market Street,

SE E AD PAG E S 178 & 355

Camana Bay (opposite CrossFit Cayman). Tel:

Brands you love at affordable prices

(345) 946 2643 or visit www.activangels.com.

The latest fashion in clothing and shoes for Newborn to Tween

Allee Designer Fashion Boutique A women’s designer fashion and shoe boutique.

Creative and educational gifts, books and toys

Allee provides quality and elegant clothing


for all occasions at affordable prices. Galleria Mon, Tues & Wed 9am to 6pm Thurs, Fri & Sat 9am to 7pm

Plaza, West Bay Road off Seven Mile Beach. Tel: (345) 946 6464. Visit www.facebook.com/



Paddington Place, Godfrey Nixon Way

Next door to

Arabus Boutique Specialises in men’s and women’s office and

“Fashion for the way you live”



Children’s Clothing The beauty of buying kid’s clothes locally is that the stock suits the climate! You will be pleased with the selection, variety and prices of children’s clothing available in Cayman. Some adult stores, such as Funky Monkey, also stock a good selection of kids clothing. The boutiques at The Ritz-Carlton and The Westin, as well as Divers Supply and Divers World carry good options for kids.

evening wear with well-known brands like Atlantic Kids

ABS, Michael Kors, Ted Baker, Donna Karan,

Specialises in children’s clothing, accessories

Calvin Klein and Nicole Miller. Edward Street,

and toys from infants to teens. It is Cayman’s

downtown George Town. Tel: (345) 949 4620.

authorised retailer for Carter’s, OshKosh, Skechers and Stride Rite, alongside many


other top children’s brands such as Guess,

Offers a variety of well-known brands at

Habitual, XRay Jeans & BYER. ‘AK’ also sells

affordable prices. In the Men’s department you

backpacks for all ages including a wide

will find designers such as Original Penguin,

selection from Jansport. They are located at

Ben Sherman as well as dress shirts and ties

Paddington Place, Godfrey Nixon Road. Tel:

from Michael Kors and Van Heusen. The women

(345) 943 2296. www.atlanticak.com.

and junior departments carry Chaus, Ruby Rd,



Democracy, A.BYER, My Michelle, YMI Jeans and many more popular brands. They have an

Kids Karma Closet

extensive collection of lingerie including Spanx,

Specialises in the resale of good quality

Maidenform and Bali. In the shoe department,

second-hand and new children’s clothing,

you will find Madden Girl, Esprit, Rampage and

shoes, toys and carriers. Buckingham Square,

they are the authorised dealer of Skechers for

West Bay Road. Tel: (345) 947 7330.

the whole family. Atlantic also has an excellent selection of accessories and unique gifts.

Little Angels

Paddington Place, Godfrey Nixon Way. Tel: (345)

Sells a great selection of UV sun protection

943 2296. www.atlanticak.com.

apparel and swimwear, trendy casual clothing


and Cayman branded items for kids. Across from the cinema, Camana Bay, Tel (345) 946

Bliss Living & Yoga

2645. Visit www.littleangelscayman.com.

Sells yoga books, mats and high quality athletic


www. c a y m a n r e s i d e n t . c o m


wear, including Lululemon Athletica. Marquee

Square, West Bay Road. Tel: (345) 943 8659 or


Plaza, Lawrence Blvd. Tel: (345) 949 9642.


An affordable fashion and shoe boutique for men

Blue Wave - Waterman Cayman

Guy Harvey Gallery & Shoppe

A lifestyle wear and surf shop that carries

They sell Guy Harvey merchandise including

Billabong, Roxy, Amuse Society, Quiksilver,

men’s, women and kids apparel. They also offer

RVCA, Rip Curl, Volcom, Reef, Olukai, Vissla and

a wide range of accessories, home décor gifts

more. They also stock kitesurfing equipment

and unique souvenirs. Located at 49 South

and a selection of surfboards. Located on the

Church Street, George Town. Tel: (345) 943

Waterfront, George Town. Tel: (345) 949 8166

4891. www.guyharvey.com.

and women. Caribbean Plaza and 40 Cardinal

and Galleria Plaza, West Bay Road. Tel: (345) 769 Island Company


Their collection includes a full line of men’s and

Maternity Clothing Atlantic, Silhouette and The Baby Shoppe all sell a good selection of maternity bras. Bliss Living Yoga sells Lululemon Athletica which is very comfortable and durable and can be worn throughout pregnancy. Funky Monkey also has a good selection of comfortable clothing.

Carey’s Karma Closet

women’s linen and cotton clothing, swimwear,

A women’s designer consignment store that

bags, sun care, sunglasses and accessories. Tel:

The Bump Boutique

sells designer clothing and accessories for a

(345) 945 7575 or visit www.islandcompany.com.

fashionable maternity and nursing apparel for

stocks a variety of

all stages of motherhood. They sell dresses,

fraction of the retail price. Expect to find brands


Avenue. Tel: (345) 949 4411.

such as Louis Vuitton, BCBG, Gucci, Jimmy

NKY, NKY Collections & POLO by NKY

pants, feeding friendly tops, nursing bras,

Choo and DVF. Buckingham Square, 720 West

Offers a large selection of top brand and

belly bands, support bands, bibs, swaddle

Bay Road. Tel: (345) 947 4945 or email: info@

luxurious men and women fashion and

blankets, diaper bags and pregnancy pillows.


accessories with professional tailoring and

10 Huldah Avenue, Cayman Business Park.

personal shopping services available. Visit

Tel: (345) 526 2867. www.facebook.com/



range of duty-free sunglass brands to suit

Off The Peg

every lifestyle, from Chanel, Bulgari, Prada and

Boutique offering trendy and affordable

Gucci to Coach, Maui Jim, Oakley and Ray-Ban.

clothing from sizes 2-18. Casual, office and

They also sell fashion watches and accessories.

evening wear available. They also offer a

Located at Jasmine Court, The Paseo, Camana

selection of jewellery and bags. Elgin Avenue,

Bay. Tel: (345) 640 5339 or visit www.

George Town. Tel: (345) 946 5050.

Computers & IT Services Expect to pay a little more for computers in Cayman than in the US. If you import a computer, you will have to pay 22% duty on the shipping, insurance and cost of the equipment.

Red’s Emporium

Cayman Business Machines Ltd/PBS Group

Fifth on Seven

The retail location of Red Sail Sports in Camana


Features designer resort wear, swim and

Bay, Red’s Emporium sells affordable fashion

laptops for business and home use as well as IT


De Sunglass Man


The leading sunglass store on Island with a broad

desunglassmancayman.com. Business




for work and play as well as unique gifts and

services. They also offer quality digital printing

Caribbean Plaza, West Bay Road. Visit www.

accessories for both men and women. The

services and quality prints at quick turnaround


Crescent, Camana Bay. Tel: (345) 640 9849 or

times. 49 Hospital Road, George Town. Tel: (345)

visit www.redsailcayman.com.

949 8642 or www.caymanbusinessmachines.





Forever Summer


Offers a variety of stylish, fun and affordable

Sand Angels

fashion and accessories for teens and young

Sells a great selection of world-class swimwear,

Cayman MAC Store

adults. The Paseo, Camana Bay. Tel: (345) 949

resort wear and accessories including bikini

Cayman’s Apple authorised reseller and service

4142 or visit www.foreversummer.com.

separates, full-figure and bra-sized swimwear.

provider, has a full range of Macs, iPads, iPods,

The Paseo, Camana Bay. Tel: (345) 945 7263 or

iPhones, Apple TV, Beats products, accessories

visit www.sandangels.com.

and more. The Paseo, Camana Bay. Tel: (345) 943

Funky Monkey A hip apparel and fun wear boutique for sporty, yogy,





4763 or www.caymanmacstore.ky. Silhouette

They provide trendy fashion selections and

Sells lingerie, underwear, loungewear and

Kirk Office

accessories for the whole family. Featuring

pyjamas for both men and women. They also

As an authorised retailer of HP and Lenovo,

brands such as Ocean Drive, Elan, Analili, Volcom,

offer a bra fitting service. The Paseo, Camana Bay.

Kirk Office has an excellent selection of laptops,

Johnnie-O, Banana Moon and more. Governors

Tel: (345) 943 5223 or email: info@silhouette.ky.

tablets, printers, monitors and accessories in




their interactive showroom. They also offer

headphones, Bluetooth and Wi-Fi speakers,

networking, storage and memory components

flat screen TVs, home theatre systems,

plus a variety of cables, adapters and

whole-house AV and automation solutions

accessories. Tel: (345) 623 5475 or visit www.

with local warranties. Shops 5-6, Bay Town

kirkoffice.ky. SE E AD PAG E 70

Plaza, West Bay Road. Tel: (345) 946 8324, email: info@creativetechltd.com or visit www.

Office Supply Ltd.


As well as selling a large variety of office products, they sell HP, Dell, Asus, Acer, Lenovo

Funky Tangs

and Toshiba Computers and Laptops. They also

Sells TVs, home theatre equipment and audio/

stock a very large selection of HP Printers, arts

video accessories. They also offer a full line

and craft supplies and back to school supplies.

of musical instruments and car stereos. 220

They are the authorised service providers for

Shedden Road. Tel: (345) 949 0998 or Hirst

HP Printers and computers and Sharp multi-

Road, Savannah. Tel: (345) 943 0998.

function business machines. They have a full IT support and service centre that offers in-

Hi-Tech Electronics

house or off-site repairs. Marquee Plaza, 36

Ashgo Street, off Godfrey Nixon Way. Tel: (345)

Lawrence Blvd. Tel: (345) 946 1200 or email:

945 3950. Email: hi-tech@candw.ky.


Flooring, Tiles & Carpets See the Home Improvements chapter.

Dive Equipment Divers Supply Offers a full range of diving equipment including BCDs, regulators and computers, plus tank and swimwear, wetsuits and sandals. Open daily, 8am–9pm. West Shore Centre, West Bay Road. Tel: (345) 949 7621 or www.diverssupply.ky. Divers World 7 Mile Shops, West Bay Road. Tel: (345) 949 8128

Curtains, Draperies & Blinds See the Home Improvements chapter.

Fireworks Ltd. by Massive Open all year around, offers a wide range of fireworks such as rockets, roman candles,

Electronic Equipment Automation



sparklers, cakes, fountains and large “show in a box” displays. They offer online shopping

Bang & Olufsen

and free Island-wide delivery on orders

Cayman’s exclusive dealer for Bang & Olufsen

over CI$250. Tel: (345) 949 7990 or www.

offering an extensive range of products such

fireworkslimited.com for more information.

as BeoLab speakers, BeoVision televisions, BeoPlay headphones and portables. Camana Bay. Tel: (345) 623 8080. Creative Tech Creative Tech is Cayman’s authorised dealer for Bose, Sonos, Paradigm, Samsung, and other leading AV brands. They provide sales, installation





audio visual systems. Offering a wide range

Furniture Stores Though most condos and houses come fully furnished, personalising your house will always make you feel more at home. Fortunately, there are a number of furniture stores on-Island with a variety of options. IDG ( SE E AD I N SI DE F RON T COVE R & PAG E 175) is an award winning Interior Design Firm offering full design services along with two


www. c a y m a n r e s i d e n t . c o m




gear rentals. Also available is snorkelling gear,

Fireworks Whether you are bringing in the New Year, celebrating Pirates Week or another special occasion, you will find that fireworks play a big part in Caymanian celebrations. During December there are many places selling fireworks, however, throughout the year, you can get them from Fireworks Ltd. by Massive which is Grand Cayman’s largest fireworks retailer.

on island retail locations, Home by IDG and Dwell by IDG, that offer hassle free shopping at competitive prices, great quality and same day delivery. IDG has over 65 vendors to choose from and is the exclusive local vendor for many brands. Other dedicated furniture and accessories stores like Absolutely Fabulous, Marksons Furniture, Sticks & Stones and also Tomlinson Furniture all sell a very good selection. Home centres like A. L. Thompson’s, Cox Lumber, Kirk Home Centre and Uncle Bill’s sell a small selection of relatively inexpensive indoor furniture. The Nook sells quality restored and refurbished furniture. Children and baby furniture can be bought from Bedside Manor in Camana Bay, Baby Express in Cannon Place, The Baby Shoppe in Alissta Towers on North Sound Road and Tomlinson Furniture Gallery. Second-hand baby furniture can be bought through the EcayTrade website and at Kids Karma Closet. Cayman also has extremely skilled furniture designers who can build almost anything from scratch, such as wine cellars, book shelves, entertainment centres, stair cases, custom closets and beds etc. For office furniture and equipment, see the Running a Business chapter. If you’re moving to Cayman, the best course of action is to first decide whether you will be renting or buying a house. As previously stated, most rentals come fully furnished, as do previously owned houses and condos. Newly built houses and condos come unfurnished. Many people buy new furniture locally, or take advantage of the booming second hand market on ecaytrade.com and other local Facebook pages. If you decide to buy your own home, you can choose to import your personal items (furniture, paintings, accessories, etc.). If you have been here longer than the six-month duty-free window, then you can write to the head of Cayman Customs explaining that you have now bought a property and would like to import your used personal items from back home, and request that the items be brought in dutyfree (see the Preparing to Move chapter for more information). It is unlikely you will be denied, as long as the request is genuine.

This would be subject to any condition that the Collector may see fit to impose. Provide all the receipts so you can prove the items are over six months old, but please note, the items must be used - if the items are new and have never been used, then you will likely be charged duty. Absolutely Fabulous They






Karpernter, Carrol Boyes and IlGiardinodilegno

including tables, lamps, rugs, mirrors and bed

HÜIS by Lydia Uzzell

accessories. 209 Dorcy Drive, Industrial Park.

Founded by interior designer Lydia Uzzell,

Tel: (345) 623 5000.

HÜIS brings designer-approved furniture and accessories directly to Cayman homeowners.

Design Studio

You can shop online by style or room and browse

An interior design firm and furniture retail

curated room edits, or visit The Storefront to

shop. Their showroom features a wide variety

speak to a design expert directly or attend one

of furniture and accessories for the home.

of their small group interiors workshops. HÜIS

Camana Bay, Market Street. Tel: (345) 945

also offers a white-glove ordering process,


on-Island delivery and will manage all customs




www.designstudio.ky. SE E AD PAG E 177

Italian outdoor furniture. Caymanian Village,


350 Shedden Road, George Town. Tel: (345)

North Sound Road. Tel: (345) 926 9803.

Home by IDG

945 1271, email: info@huiscayman.com or visit


A full-service furniture company with over

www.huiscayman.com. SE E AD PAG E 227




25,000 sq ft of trusted name brands in



logistics. Open Tuesday-Saturday 10am-6pm.

furniture. They stock an extensive selection

Dwell by IDG

Ashley Furniture HomeStore

of great quality brands, such as Baker,

Dwell by IDG aims to help create memories

Sells a variety of furniture items and

McGuire, Palecek, Holly Hunt, Natuzzi and

by stocking great quality, competitively

accessories for your living room, bedroom and

many more. They also provide you with direct

priced furniture with a showroom on Island

dining room. 360 Dorcy Dr, George Town. Tel:

access to the furniture, same day delivery and

for direct access to the furniture and same

(345) 943 2323.

complimentary assistance from their personal

day delivery. They also offer complimentary

shoppers. Located at 7 Mile Shops, 215 West

personal shopping assistance to help with the

BrandSource Home Gallery

Bay Road. Tel: (345) 745 4315, email: home@

coordination of pieces and shipping details.

Offers a selection of Tempur-Pedic and

idgcayman.com or visit www.idgcayman.com.

Located at 119 Dorcy Drive across from the



Airport Post Office. Tel: (345) 745 4310,





email: dwell@idgcayman.com or visit www. idgcayman.com. SEE AD INSIDE FRONT COVER & PAGE 175 Marksons Furniture They offer a diverse selection of outdoor and indoor furniture as well as bedding and home accessories. Located at 19 Compass Drive, GT. Tel: (345) 949 6233 or visit www.marksons.ky. Sticks & Stones An eclectic collection of fine indoor and outdoor furniture and accessories. They are the exclusive distributors for Rowe & Robin Bruce sofas, beds and more that are made in the USA. They offer bespoke designs to fit your needs, as well as “Turn-key” custom home collections

“The Eclectic Collection”

and they have one of the largest collections

Original & Always Unique

of teak patio furniture as well as all-weather

Specializing in Eco Friendly & Recycled Woods. Exclusive Distributor for Rowe & Robin Bruce Upholstered Furniture. Offering a Diverse Selection of Outdoor Teak & All Weather Rattan Furniture. Custom "Turn-Key" Furniture Collections starting at $7000.00. Free Shipping of Furniture to The Sister Islands

rattan collections and individual pieces in a

Open: Mon-Sat 10-5 • 114 Kingbird Drive (345) 947-8663/(345) 526-8663 • www.sticksandstones.ky sticksandstones@candw.ky find us on Facebook Sticks & Stones Cayman

candw.ky, visit www.sticksandstones.ky or

variety of colours. They also offer free delivery to the Sister Islands. Open Monday-Saturday 10am-5pm. 114 Kingbird Drive, Industrial Park. Tel: (345) 947 8663, email: sticksandstones@ find them on Facebook at Sticks & Stones. SE E AD T H I S PAG E




Tomlinson Furniture & The Mattress Gallery

Cox Lumber, Kirk Home Centre and Uncle Bill’s

Stocks all major brand mattresses such as

carry a large selection of hardware.

Serta, Sealy, Tempur and Beautyrest. They offer solid wood bedroom sets, sofa sets, dining sets, home office, bunk beds and more. Brands carried include: Coaster Furniture, Scott Living, Ashley Furniture, Serta Upholstery, Palliser and more. They also sell nursery and childrens furniture including cribs, crib mattresses, toddler beds and more. Home décor accessories including rugs, mirrors, paintings, lamps, candle warmers and diffusers from brands such as Uttermost and IMAX, Three Hands and UMA are always on hand. Free Island-wide delivery is offered on any purchase. Tomlinson Building, 9 Walkers Road, George Town. Tel: (345) 949 5383, email: sales@tomlinsonfurniture.ky or www.tomlinsonfurniture.ky. SE E AD T H I S PAG E

Absolutely Fabulous Sells a great selection of stylish imported accessories and decorative items. They are the exclusive distributors for the Carrol Boyes collection of functional art homeware. Caymanian Village, North Sound Road. Tel: (345) 926 9803. Email:




abfabfurniture.com A. L. Thompson’s Sells home fashions, indoor and outdoor lighting fixtures and ceiling fans, countertop appliances, cookware, bakeware, tableware, gadgets and window treatments. Major home appliance brands include Whirlpool, KitchenAid, Miele, Sub-Zero and Wolf. 189 North Sound Road. Tel: (345) 949 8622 or visit www.althompson.com. SE E AD PAG E S 179, 183, 199, 234 & 237

The Nook A furniture and accessories retail store specialising





furniture and accessories. They carry living room, bedroom, kitchen and patio furniture. Browse any of the showrooms and find antique to retro modern pieces. Trafalgar Place, Seven


Cayman’s #1 Source for Mattresses! Largest in stock mattress selection Free Delivery | Valid Warranty Program

Mile Beach. Tel: (345) 916 0819, visit www. thenook.ky or email: 2TheNook@gmail.com.

Second-Hand Furniture The second-hand furniture and accessories market is flourishing, and you will be pleasantly surprised by the quality of the goods found for such reasonable prices. Second-hand furniture can be found on www.ecaytrade.com, Cayman Consignment, and The Nook. Second-hand household items, books, clothing and more can be found at the Red Cross Thrift Shop and the The Claws-It Thrift Shop. See the Thrift Shop section in this chapter. Hardware All the home centres, such as A. L. Thompson’s,


G u ar a



Restored & Refurbished Furniture There are a few stores that specialise in producing quality restored or refurbished furniture and accessories. Antique, retro or ‘almost’ brand new furniture can often be purchased for a reasonable price.

Homewares, Accessories, Lighting, Linens & Bed Sizes Whether you’re renting or purchasing a house, most tend to come fitted with a washer, dryer, fridge, microwave, dishwasher and stove. If you are renting, properties are usually equipped with some kitchen utensils, such as plates, cutlery, and pots. Linens and towels are less frequently provided, however, a great selection of good quality beach towels can be found at Priced Right on Airport Road and Valu-Med Pharmacy on Walkers Road. Accessories can also make your house really feel like home. All the home centres and many furniture stores carry an interesting range of accessories, such as pillows, lamps, throws, linens and ornaments. Lamps with 110/115 volts and a two-pin electrical plug work here. Refer to the Settling In chapter, Utilities section for more information on electrical plugs and outlets. Bed sizes in Cayman are all US sizes, not

European sizes. This means that a twin or single bed is 38” x 74”, a full bed is 54” x 80”, a queen is 60” x 80” and a king is 84” x 80”. Most mattress brands sold on Island have pillow tops, so deep fitted sheets are a must.

nt e e d

Tel 949- 5383 • 925-9059 9 Walkers Road, Tomlinson Bldg. GT

info@tomlinsonfurniture.ky • www.tomlinsonfurniture.ky


www. c a y m a n r e s i d e n t . c o m


Ashley Furniture HomeStore

BrandSource Home Gallery

Kirk Home Centre

Sells a variety of home and room decor

Offers a full range of European kitchenware,

Sells an extensive variety of all homeware

accessories and mattresses. 360 Dorcy Dr,

cookware, cooking utensils and gadgets

products, from linens and home decor to

George Town. Tel: (345) 943 2323.

for the wine enthusiast. 209 Dorcy Drive,

paint, lighting and much more. They are the

Industrial Park. Tel: (345) 623 5000.

exclusive supplier of Rohl and Toto products.

Bedside Manor

257 Eastern Avenue, GT. Tel: (345) 949 2521.

This lovely boutique sells luxury linens, down


pillows, weight duvets, baby products, home

Everything is made from Bamboo which is

Kirk Freeport

accessories, such as throws and cushions,

environmentally friendly and hypoallergenic.

With a large collection of bone china and crystal

and a quirky choice of gifts. Market Street,

Their products range from bed linens, plush

glassware, Kirk Freeport’s collection is second

Camana Bay. Tel: (345) 947 2711 or visit

throw blankets, pillows and pillow cases to

to none. With exclusive pieces from top brands


fitness attire, sleep wear and bath towels,

such as Wedgwood, Lalique, Lladró, Villeroy &

as well as ‘breathable’ men’s and women’s

Boch, Rosenthal, and others. Kirk Gallery, Kirk


Freeport at The Strand. Tel: (345) 949 7477 or

Bon Vivant Kitchen Studio



visit www.kirkfreeport.com. SE E AD BACK COVE R

variety of kitchenware: blenders, juicers

Design Studio

Marksons Furniture

and accessories. Brands include Bosch,

A full service interior design firm and

They sell window treatments, lamps, mirrors,

Thermador, Smeg, Liebherr and Le Creuset

showroom featuring furnishings and home

wall art, silk plants, throw pillows, vases, candle

cookware. They also have a busy schedule

décor. Market Street, Camana Bay. Tel: (345)

holders and more. Located at 19 Compass

of interactive cooking classes for all levels

945 4977, email: michelle@designstudio.ky

Drive, George Town. Tel: (345) 949 6233 or

of ability. Market Street, Camana Bay. Tel:

or visit www.designstudio.ky.

visit www.marksons.ky.

(345) 623 2665, email: info@bonvivant.ky





Avenue, GT. Tel: (345) 949 7477 ext. 1115.

Offers kitchen design services, specialty







or visit www.bonvivant.ky.

Rugs Oriental


Stocks a tasteful and eclectic collection of




authentic hand-knotted, oriental rugs directly

a piece unique to you. Located in Governors

service. They sell an impressive range of

sourced from major weaving countries. They

Square, West Bay Road. Tel: (345) 945 5788 or

jewellery, from GIA certified diamonds to

have a large selection of quality handmade

visit www.balaclava-jewellers.com.

tanzanite, as well as rubies and emeralds. They sell an array of rings, pendants, earrings and

carpets in varying sizes, colours and styles. They also sell gorgeous accessories including

Island Jewellers/Island Companies

bracelets and can custom design jewellery.

cushion covers, furniture upholstered in

With six locations in Grand Cayman, Island

They are highly ranked on TripAdvisor. Located

vintage textiles, mosaic lamps, jewellery,

Jewellers specialises in an array of fine

in downtown George Town at 28 North

Turkish towels, robes and scarves. Galleria

jewellery, diamonds and watches. Browse

Church Street, George Town. Email: sales@

Plaza, West Bay Road. Tel: (345) 943 7847 or

timepieces by Ulysse Nardin, Hermès and

rockysdiamonds.com, tel: (345) 946 7851 or

email: rugsoriental@candw.ky or visit www.

Tissot or select jewellery from the collections

visit www.rockysdiamonds.com.

rugsoriental.ky. SE E AD PAG E 182

of Hearts on Fire, Tacori, John Hardy and more. The Island Plaza (345) 949 7098/946 2333; The Paseo, Camana Bay (345) 640 5337;

Carries a selection of inexpensive home

Kimpton Seafire Resort + Spa (345) 746 4112;

accessories and housewares. 343 Eastern

The Ritz Carlton (345) 640 3475; The Airport

Avenue, GT. Tel: (345) 949 7601.

(345) 945 1029, www.islandjewellers.com.

Hurricane Supplies Stock up on supplies well before the season starts and the threat of a hurricane appears. Visit bulk suppliers like Priced Right and Cost-U-Less for deals on items like drinking water, batteries and canned goods (see the Buying in Bulk section in this chapter). Other items such as torches, tarpaulins and generators can be sourced at home centres such as A. L. Thompson’s, Kirk Home Centre or Uncle Bill’s. For hurricane shutters, Hydes & Sons has an on-Island factory which makes top-of-the-line hurricane shutters. See our Disaster Preparedness chapter for more information.

Kirk Freeport The Official Rolex Dealer of the Cayman Islands and home to a vast variety of the world’s

Funky Tangs

leading brands including Cartier, Breitling, TAG

Carries guitars, keyboards and drums and can

Heuer, Patek Philippe, Omega, David Yurman,

order in violins. They have two locations: 220

Mikimoto, Marco Bicego, Roberto Coin, Hearts

Shedden Road, Tel: (345) 949 0998 and Hirst

On Fire, Chopard and many more. For a full list

Road, Savannah, Tel: (345) 943 0998.

of locations, visit www.kirkfreeport.com. SE E AD OU TSI DE BACK COVE R

Sells a selection of instruments including PANDORA

pianos, recorders, guitars, drums, keyboards,

Take advantage of tax free savings at

music books, accessories, plus audio and

PANDORA. They specialise in charm bracelets

recording equipment. Barnett Building, 24

and jewellery in sterling silver and 14k gold.

Huldah Avenue, George Town. Tel: (345) 949

Located in The Island Plaza Duty Free Shopping

1753, email: mylesmusic@candw.ky.

Centre, George Town. Call (345) 946 9964 or visit www.islandjewellers.com/pandora.

Jewellery, Watches & Repairs Most jewellery stores on-Island carry a broad selection of high-end watches including brands such as Cartier, Rolex and Tag Heuer. Cayman is also a great place to buy jewellery as it can be cheaper than Europe or the US since watches, gems and most precious metals are charged at only 7%. For jewellery and watch repairs, Kirk Freeport and Island Companies offer inhouse repair services.

Myles Music Store

The Music Box Sells guitars, violins, drums, keyboards and

Rocky’s Diamond Gallery

ukuleles. They will also order in any instrument

A family owned jewellery company specialising

you need. Market Street, Camana Bay. Tel:

in high quality jewellery and great customer

(345) 938 3838.

Balaclava Jewellers Offers stunning and unique jewellery pieces that are rarely found elsewhere. Choose from a selection of contemporary and classic jewellery or work with Balaclava to design


www. c a y m a n r e s i d e n t . c o m




Uncle Bill’s

Musical Instruments The importation of musical instruments are duty-free! Guitars are readily available and come in all sizes. However, there is a limited variety of other instruments for sale in Cayman. For music lessons refer to our Activities for Kids & Teens chapter.

Musical Instrument/Piano Tuning Typically, acoustic pianos require a service every 6-12 months depending on the age, environmental conditions and amount of use it gets. If your acoustic piano is in need of tuning, regulation or repair, the companies below offers professional piano tuning services. Blue Water Piano Tuning, regulation and repair of acoustic pianos. They install dehumidifier systems and perform

Sound Road. They all sell party supplies, fancy dress costumes, balloons, and bouncy castles and water slides rentals. Some also offer face painting. For larger party supplies like tents, tables, chairs and more, try AI Rentals (Tel: (345) 946 4935), Celebrations Ltd. (Tel: (345) 623 2044), Massive Equipment Rental (Tel: (345) 949 7990) or Party Source (Tel: (345) 916 2789). Partybooth Cayman has photo booth rentals suitable for every event (Tel: (345) 926 4100).

Technicians of America. Tel: (345) 925 4535, email: pianotunacayman@gmail.com or visit www.bluewaterproductions.ky.


Myles Music Store Barnett Building, 24 Huldah Avenue, GT. Tel: (345) 949 1753, email: mylesmusic@candw.ky.


Office Supplies See Running the Business chapter.

and healthy, locally grown plants add the finishing touches to any property or event space. Visit their nursery where a passionate team of specialists can help you make the most of your home space and at the same time create a welcoming and tranquil ambiance. 31 Orchard Lane, Off Crewe Road, George Town. Tel: (345) 949 2256, Email: office@powerflower.ky or visit www.powerflower.ky. SE E AD PAG E 184

Plants, Flowers & Garden Centres Most flowers and plants need to be imported meaning they cost more than you may expect to pay overseas. Throughout the year, florists and grocery stores have a variety of pre-cut flowers and pre-made arrangements. Plants, trees and potting soil can be also be found at the Island’s plant nurseries, the Botanic Park and at the Department of Agriculture in Lower Valley.

Carries a large variety of plants, shrubs, trees, fruit trees, seeds, live herbs, glazed and terracotta pots Mexican Talavera, home and garden accessories and garden furniture in both of their garden centres. Their expansive Agricola Drive location is open Monday-Friday 8am6pm, Sat 7.30am-6pm and Sun 11am-5pm. Their two locations are: 324 Walkers Road, Tel: (345) 949 4270 and 96 Agricola Drive in Lower Valley, Tel: (345) 945 5236, email: tom.balon@vigoro. ky or craig.stewart@vigoro.ky, visit www.

Cayman Growers

Paint Dedicated paint supply stores are listed below. However, many of the home centres also carry paint and painting supplies. ACE

tree farm located in East End. Spread over 30 acres, they have approximately 10,000 trees at any one time. They have a wide variety of palm, and the Barbados cherry. Tel: (345) 323 0722.

Carries top brands such as Clark & Kensington 11 Ashgo Street, off

Godfrey Nixon Way. Tel: (345) 949 4223.

vigoro.ky or their Facebook page.

A plant nursery, as well as a sod/grass and

shade and fruit trees including mango, avocado

and Magnolia Home.

Power Flower’s huge variety of ceramic pots

Vigoro Nursery & Landscaping

repairs to some makes of electronic keyboard instruments. A member of the Master Piano

Power Flower

Every Bloomin’ Thing (EBT)

Shoes As well as the shoe stores listed below, Blue Wave sells OluKai sandals and shoes, Harbour House Marina sells Crocs and Sand Angels in Camana Bay sells Malvados sandals. Women’s clothing stores often sell shoes.

They carry a wide variety of plants, shrubs, trees and orchids. EBT also offers landscaping

Atlantic Kids

Cayman Coating Industries

services and a flower market every Friday,

Sell quality children’s shoes such as Stride

They specialise in Benjamin Moore and their

with 50% off cut flowers. Their customer

Rite, Skechers, French Toast and Laura Ashley

own branded paint. 96 Portland Road, Industrial

appreciation day (“Roots Sale”) occurs every

including uniform school shoes. Located at

Park. Tel: (345) 949 2920.

second Wednesday where they have 15% off

Paddington Place, Godfrey Nixon Way. Tel:

on all plants. 384 Crewe Road. Tel: (345) 945

(345) 943 2296. www.atlanticak.com.

1701, email: info@ebt.com.ky or visit www.ebt.


Party Supplies & Rentals With every occasion, there is a cause for celebration. Regardless of the size of your event, there are several party supply stores and services available. It’s Your Party (Tel: (345) 946 4453) is located in Bodden Place on Shedden Road, Party Source (Tel: (345) 916 2789 or (345) 947 2789) is in Paddington Place on Godfrey Nixon Way and PartyVille (Tel: (345) 943 8455) in Plaza Venezia on North 236



com.ky. Le Classique Shoes & Leather Emporium Growing Beauty

Offers a large selection of leather shoes for

The owner, Michelle Green, has a great deal of

men and women, plus handbags. 27 Trilogie

knowledge about Cayman’s native plants and

Place, Mary Street, GT. Tel: (345) 949 7121.

can provide valuable advice when planning your garden. Located at 12D Lawrence Blvd, off

No. 1 Shoe Shop

West Bay Road (next to the Harquail Theatre).

They carry many different brands of children’s

Tel: (345) 927 2487 or (345) 925 3857 or email:

shoes including a good selection of school


shoes. They also carry a large selection of

men’s and women’s shoes, as well as sports

such as paddle boarding, surfing and kite

see in toy stores in the US and the UK. A

shoes. In-store shoe and luggage repair

surfing. Galleria Plaza, West Bay Road. Tel:

great place to shop for birthdays, with gift

available. Hospital Road Plaza, 62 Hospital

(345) 769 7873.

registries available. Paddington Place, Godfrey

Road. Tel: (345) 949 5595. SOLES Shoe Salon Offering a large selection of men’s and women’s designer footwear, as well as today’s most popular brands and all the latest styles. SOLES also sells designer handbags, wallets and travel cases. The Paseo, Camana Bay. Tel: (345) 746 8173 or visit www.caymanfashiongroup.com.

Sports Clothing & Equipment Tennis gear can be purchased at the RitzCarlton tennis shop at The Courts Tennis Center. For yoga clothes and mats, shop at Bliss, Cayman Yoga Club or Activ Angels. Below is a list of places where you can also buy sports clothing and equipment. North Sound Golf Club

Nixon Way. Tel: (345) 943 2296 or visit www.

Sunglasses There are several places you can buy good quality sunglasses. De Sunglass Man in Camana Bay (Tel: (345) 640 5339) stocks a wide range of brands including Maui Jim, Oakley, Ray-Ban and more. VisionWear in Camana Bay (Tel: (345) 943 5151) stocks brands such as MODO, Michael Kors, Valentino, Tom Ford and more. Optical Outlook in Caymanian Village (Tel: (345) 746 2020) sells designer brands such as Maui Jim, Oakley, Ray-Ban and other prescription sunglasses. Caribbean Optical in Seven Mile Shops (Tel: (345) 943 1515) also sells designer sunglasses. Midrange sunglasses are available at the dive shops and cheaper sunglasses can be found in Foster’s, Kirk Market and Cost-U-Less.

Sells golf apparel for men and women including brands such as Ashworth, Travis Matthew,

The Ritz Carlton Golf Club The golf shop at the Ritz Carlton Golf Club sells a great selection of golf apparel, equipment, and eyewear. Tel: (345) 815 6500. Sport ‘N’ Zone Sells branded clothing and footwear including

Book Nook Sells a great selection of toys, Lego, puzzles, board games, electronic toys and lots of books. Kids love the very talkative resident parrot. Located in the Galleria Plaza, West Bay Road. Tel: (345) 945 4686. Tweenage Dreams Stocks the latest toys, games, electronics and accessories. Pasadora Place, George Town. www.facebook.com/Tweenagedreams.


Thrift Shops Thrift shops are always in need of donated items and all proceeds from sales are given to various causes and charities. They sell a variety of used items in good condition at reasonable prices. The Claws-It Thrift Shop Located in Plaza Venetia, next to China Village, the shop sells gently used clothes, shoes, jewellery, handbags, school bags, housewares and computers at bargain prices. Every dollar spent goes towards the dogs and cats at the shelter and helps find loving homes for them. Open Tuesday-Saturday:

Nike, Reebok, Adidas and more. Hospital Road Plaza, Hospital Road. Tel: (345) 945 6453.


Atlantic Kids

9am-2.30pm. Tel: (345) 945 5596. Visit

Carries a great selection of fun, award-



winning toys for boys and girls of all ages at

Sells activewear, footwear and accessories

affordable prices. Expect to find toys you’d

from brands such as Adidas, Nike, Asics and much more. Tel: (345) 926 1122, or email: hello@sportista.co. Web: www.sportista.co. Sports Supply Offers clothing for football, yoga, tennis and general fitness. Brands include Nike, Adidas, Asics, Champion and Under Armour. Galleria Plaza, West Bay Road. Tel: (345) 949 7884 or visit www.sportssupply.ky. Waterman Cayman Sells equipment and clothing for watersports


www. c a y m a n r e s i d e n t . c o m



Nike, Adidas and more. Tel: (345) 947 4653.

Toys Toys are bulky and better sourced locally, especially as you will constantly be picking up something new to follow the trends and for the numerous birthday parties your child will attend. Places to buy children’s toys include Atlantic Kids, Bedside Manor, Books & Books and Book Nook. Priced Right and Cost-U-Less also carry a variety of toys and sometimes inexpensive gems.


New To You Bargain Shop

The Red Collection (tRc)

Located at NCVO on 90A Anthony Drive, this

tRc is the CI Red Cross’ Thrift Shop designer

thrift shop is open Monday-Friday 3.15pm-

boutique. They sell vintage designer apparel,

6pm and Saturdays from 8am-4pm. All funds

higher-end furniture and some brand new

raised help fund the NCVO programmes. Tel:

items for sale at competitive prices. Open

(345) 949 2124.

Saturdays 10am-1pm. 34 Huldah Avenue, George Town. Tel: (345) 949 7467 or email:

One Dog at a Time (ODAAT)


Located at Unit 2, JJT warehouses, Industrial Way (opposite Ropers) in George Town. Sells


clothes and shoes, household items, toys


and more. Open Saturdays 8am-5pm and

For women you will find Bali and Maidenform

Wednesdays 10am-2pm. Tel: (345) 917 8284.

and a fabulous selection of shapewear from SPANX. The cute bra sets and panties make



PAWS Thrift Shop

for great gifts. Bra fitting is available from

They accept all donations and sell a variety of

trained associates. Atlantic Kids carries a

items from books and toys to furniture and

full line of underwear and socks for boys

kitchen appliances. Every dollar spent goes

and girls, including first bras for tweens.

towards assisting the animals in the eastern

They also carry sleepwear for all ages at

districts with food, shelter and medicine.

extremely affordable prices. Paddington



Place, Godfrey Nixon Way, just off the

and Saturday from 10am-4pm and Friday

Butterfield roundabout. Tel: (345) 949 2296.

10am-5pm. 553 Plaza Odessa, next to Cox

Visit www.atlanticak.com.

Lumber (BT). Tel: (345) 916 3957, email:







www. Silhouette


Sells lingerie, underwear, loungewear, pyjamas,


While the prices of some goods are more expensive than in the US, there is often a very valid reason for this. Every item sold in Cayman has to be imported either by air or sea; then, Customs charge duty on (most) items at 20% (to retailers) or 22% (to the general public). This duty is calculated based on the value of the goods, the shipping costs, as well as the insurance charged. The items are then displayed in stores that pay higher electricity bills than the US and some also have to pay work permit fees. Also note that many online retailers may not ship to Cayman and if they do, shipping costs will be high, therefore it is a good idea to consider using a freight forwarder who will provide you with an address in the US and will then forward the package to Cayman. Many of the freight forwards in the Moving to Cayman chapter can help to ship your packages, but Sta-Mar provides great rates for even the smallest of packages. Sta-Mar Enterprises Ltd. offers three freight

Red Cross Thrift Shop

night dresses, hosiery and shapewear. They

Open for the public to donate and buy new and

also offer bra fitting service for women, plus

used items, such as clothing, shoes, furniture

boxers, briefs, undershirts and pyjamas for

and appliances. The funds generated are

men. The Paseo, Camana Bay. Tel: (345) 943

used to help support those vulnerable in the

5223 or visit www.silhouette.ky.

They all include their own US address, customs

9am-2pm and 5pm-7pm, Friday 9am-2pm and

Victoria’s Secret Beauty & Accessories

are all offered at a very competitive rate.

Saturday 7.30am-1.30pm. 34 Huldah Avenue,

Sells VS panties, sportswear and sleep wear.

George Town. Tel: (345) 949 7467 or email:

40 Royal Plaza, Cardinal Ave, George Town. Tel:


(345) 949 6513 ext. 5302.

community. Shop hours: Tuesday-Thursday

forwarding services - USA 2U which offers weekly air freight, a two week sea freight service and their three day priority service. clearance, on island delivery, if needed, and Shipments range from a pair of earrings to household furniture. No shipment too small or big. Tel: (345) 949 2399, email: info@stamar.ky or visit www.sta-mar.com. SE E AD T H I S PAG E & PAG E 103


Shop Online and forward your packages to our Miami Warehouse for our low cost Ocean Freight or our 3 Day Priority Service Shop Online

Tel: 949-2399 | Email: info@stamar.ky | www.sta-mar.com 238



Please keep in mind that some items cannot be imported into Cayman due to certain laws. For example, all items that depict the cannabis plant are prohibited from entering the Island. However, de-hulled hemp seeds can be bought at Kirk Market because they do not depict cannabis leaf imagery. See the Preparing to Move chapter for other considerations and companies that offer freight forwarding.



ayman’s roads have seen many changes recently. In an attempt to alleviate the Island’s rush-hour traffic congestion, many new road developments have occurred, such as the expansion of the Linford Pierson Highway, the extension of Elgin Avenue and the Crewe Road realignment. Although this has significantly improved traffic, it has pushed the bottleneck elsewhere, meaning new road developments are perpetually underway – this year’s being the East-West Arterial expansion and next year’s, a new Airport Connector Road. With Cayman’s population growing, and a reported 370 cars being added to the roads each month, it will be interesting to see if these changes will have a lasting effect on reducing traffic congestion; widening the roads is perhaps a momentary solution. In better transport news, Cayman’s taxis are having a much needed technological transformation. The recently launched Government’s digital taxifare calculator, CI:GO, and the upcoming Flex – an Uber-style app from local entrepreneurs Alex Cowan and Rachel Smyth – hope to solve the problem of inconsistent and extortionate taxi fares that burden the Island and its guests. Nonetheless, the most convenient, comfortable and speedy mode of transport on-Island is owning your own car. Temperature, precarious driving and the lack of sidewalks rule out the options of walking or cycling, while the local

Rules of the Road  - Roundabouts & Centre Lanes - School Buses & School Zones - Children & Car Seats

240 240 241 241

Legal Requirements - Driving Licences - Licensing your Vehicle - Car Insurance

241 241 243 245

Rental Cars


Leasing a Vehicle


Importing a Vehicle - Shipping Costs & Details - Duty Costs of Importing a Car

246 246 248

Buying a New Car - New Car Dealers

248 248

Buying a Used Car - Used Car Dealers

249 249

Hybrid & Electric Cars


Car Maintenance & Repair - Tyres & Batteries - Roadside Assistance - Car Cleaning - Disposing of a Vehicle

250 251 251 252 252

Alternative Transportation - Motorbikes & Scooters - Bicycles - Public Transport

252 252 252 253

Drinking & Driving


Cell Phones, Texting & Driving



www. c a y m a n r e s i d e n t . c o m



Photos courtesy of Charles Grover and Monika Wojtkiewicz.

Everything you need to know about the rules of the road, licences, insurance, buying, renting or importing a car, maintenance and alternative forms of transportation.




bus network is intermittent and does not cover all areas. In addition, waiting in the hot sunshine to then sit on a crowded minibus with little, or no air conditioning, is not everyone’s idea of the ideal daily commute. There are some major bonuses that Cayman car travel retains: little traffic (outside of rushhour), free parking in 99% of locations and virtually no traffic wardens! If you are a couple or have a family, then the discussion will arise as to whether you need one car or two. In our experience, you will need two cars, unless you are prepared to be entirely beholden to the person that has the car. According to Government records, there are 35,067 licensed motor vehicles and 440 licensed motorcycles on Cayman’s roads. However, not only do these figures date back to 2017, but they do not take into account unlicensed vehicles of which there are an estimated 37,406. It is thought that today the real figure is nearly 80,000 (unlicensed and licensed). To tackle this, the Government has announced plans to install several fixed scanners along Cayman’s road network, the first of which will be mounted along South Sound Road. The scanners will read details from the vehicle’s electronic number plate, and the information collected will determine the status of the licence, registration, and insurance. Eventually these machines may even be able to issue electronic tickets, but for now their purpose is to collect information for the police and traffic departments, and crack down on traffic and licencing violations.

work on the basis of whoever gets to the

Roundabouts Roundabouts have proven so popular as a means of controlling traffic flow that there are now over two dozen located around Grand Cayman, including a couple of three-lane roundabouts. If you are unfamiliar with how roundabouts work, and want to avoid an accident, then please learn these rules:

four-way stop first after making a full stop,

1) Always travel around a roundabout in

Here’s what you need to know:

>> >> >>

We drive on the left-hand side of the road Seatbelts must be worn by all passengers Turning left on a red light, only after a full stop, is allowed and is legal


Using a mobile phone (unless hands-free) while driving is illegal



We have a few four-way stops. These

proceeds first

a clockwise direction. Never turn right

The speed limit on the Island varies between

onto a roundabout or you will turn into the

25mph-50mph. Speeding tickets are freely

oncoming, one-way traffic!

dispersed to people who go over the limit

>> >>

yield to the traffic that is already on it that is

when a) amber lights are flashing or b) road

coming from your right. All vehicles already

markings or signs are posted

on the roundabout have right of way and

All drivers must give way to pedestrians on pedestrian crossings

>> >> >> >>



exiting a roundabout. When turning left,

being imported from the US take note

stay in the left lane. When going straight

The use of fog lights is not allowed

across or turning right, you should indicate

You cannot overtake if there is a solid single

right as you approach the roundabout and

or double white (or yellow) line in the centre

then as you near your exit indicate left.

of the road

Make sure not to overtake while on the

Accidents: The law requires that in the event

roundabout. If a car is to your right and they

of an accident involving injury to person/

want to turn left, they have the right of way



and you may be in their blind spot.

addresses, DOB, registration numbers

4) When using mini single-lane roundabouts,

and your insurance details. Or report the

merge left when space is available and keep

accident to the police within 24 hours

left of the painted circle until you reach your

Tinted Car Windows: Front windows can be

exit. All other cars must yield to the vehicle

tinted, but must allow a minimum of 35%

on the roundabout.

light transmission through. Rear windows can be made darker to a maximum of 15%.

Visit www.dvdl.gov.ky for more information. 240

you must wait for space to get onto it. 3) Use your indicators when approaching or

Headlights must be fitted to dip left. Cars

animal/vehicle, you must exchange names,

There are over 135 different nationalities represented in Cayman, which means there are drivers from all around the world where traffic laws can be quite different. It is therefore crucial that drivers know the rules of Cayman’s roads.

2) All traffic approaching a roundabout must

The speed limit for school zones is 15mph

5) When using multi-lane roundabouts. Keep in the left-hand lane if taking the first or second exit. Keep in the right-hand lane if

taking a subsequent exit and maintain your

reduce their speed to 15mph.

also has second hand options.

position in the centre lane until the exit prior to the one you will be taking. When moving from the centre lane to the outer lane prior to exiting, check you mirrors to ensure someone is not overtaking you on the outside. Use your indicators! See diagram on previous page for guidance. 6) When using the three-lane roundabout, it is important to use caution when driving on a three-lane roundabout for the first time. Know your intended exit as

Children & Car Seats The Cayman Islands Traffic Regulations 2012 states that any child travelling in a motor vehicle must wear a seatbelt or, for those under two, be seated in a car seat attached by a seatbelt. It also states that a rear facing child’s car seat must not be fitted in a seat with a front airbag. Children’s car seats can wbe bought at The Baby Shoppe. EcayTrade


DRIVING LICENCES Theory & Driving Tests for NonLicence Holders For those who don’t have a full driving licence, the path is fairly routine, but the process is quite slow. First, you have to apply at one of the Department of Vehicle & Drivers’ Licensing (DVDL) offices for an appointment for a theory

you approach and ensure you are in the correct lane. When driving on this roundabout: a) Keep in the left-hand lane if taking the first exit and indicate left, b) Keep in the middle lane if driving straight ahead and follow the lane


marked with a straight-through arrow. Indicate left just before you exit, c) If taking a subsequent exit, use the righthand lane and indicate right, switching to your left indicator just before reaching


your exit. When moving from the inner lane to outer lane prior to exiting, check your mirrors to ensure that no one is overtaking you on the outside.

Using the Centre Turning Lane The turning lane in the centre of some roads is designed to help drivers turn without holding up other drivers. The lane should never be used for overtaking. School Buses & School Zones Under the traffic law, when a school bus has its lights flashing and has stopped to allow children to get on or off, drivers are NOT permitted to pass the bus. This applies to vehicles approaching the bus from the opposite lane, as well as those behind the bus. If you approach a bus that is letting children off, stop at least 20 ft away and wait until the bus has pulled away before you continue driving. You should also pay attention to the 15mph speed limits in designated school zones to ensure the safety of youngsters. At certain times of the day, warning lights flash outside the schools, indicating to drivers that they need to


www. c a y m a n r e s i d e n t . c o m




test of driving knowledge. You have 40 minutes to answer 40 multiple choice questions (on a touch screen computer) of which you must get 80% correct. The test costs CI$25 and if there is space available you can take the test at the time of booking. Take your passport on all visits to the DVDL test centre for proof of identification. In the Cayman Islands you have to be 17 years old and a day to be qualified to apply for a licence. To learn all you need to know to pass the written test, the DVDL recommends that you review their official road code booklet and power point which can be found on their website, as well as parts of the Traffic Law 2011 and all of the Traffic Regulations 2012. Their website, www.dvdl.gov.ky, has a wealth of information on it, including links to all the traffic laws. Alternatively, there is a very detailed and well informed driving instruction book called ‘Drive Safely in Cayman’ by Graham Walker, who started teaching driving in Cayman in 1992. He has retired from teaching on the road but still updates his book every other year. It costs CI$20 at local booksellers. Having passed the theory test, you can then obtain a learner’s licence for CI$60, which is valid for six months, and allows you to drive whilst accompanied by someone with a full Cayman licence (who has been qualified for two years). An ‘L’ plate must be visible on the front and back of the vehicle. Also make sure that your car insurance policy covers a learner driver; most will require that the learner is put on the insurance. Six weeks after obtaining the provisional licence, the practical road test can be taken for a fee of CI$50. Note that it cannot be taken earlier than the six weeks or later than six months after obtaining the provision licence. You can book an appointment for the practical road test in advance after passing the written test. After successfully passing the test a full, unrestricted licence will be given. 242



Driving Instructors Brand new drivers to Cayman’s roads can organise driving lessons with either Burmon Scott from the The Real Thing Driving School (Tel: (345) 927 1698 or email: burmon. scott58@outlook.com) or Martin (Tony) Senior from Martin’s School of Motoring (Tel: (345) 923 7218 or email: masenior64@ gmail.com). Tony Martin is Cayman’s only Approved Driving Instructor with the British School of Motoring. Both companies have the simple aim of turning a fair driver into a good and safe one. Note that there is no difference in a driving licence for automatic or standard shift (manual) cars. You can take your test in either type of car and then drive whatever you like. A full driver’s licence will be issued when both exams are passed and a fee, CI$75 for three years, CI$125 for five years or CI$250 for 10 years, has been paid for Groups 0-3. For Groups 0-4 it is CI$120 for three years, CI$200 for five years or CI$400 for 10 years. Converting an Existing Licence According to the Traffic (Amendment) Bill, 2018, if you have a full, valid domestic driving licence from a Convention country - a country within either the Geneva, Vienna or Paris Convention on Road Traffic Agreement (see www.dvdl.gov.ky for a full list of applicable countries) - you may drive on it for a period not exceeding six months. You must then take (and pass) the written theory test before your licence can be converted to a Cayman driver’s licence. However, if you fail to complete this transfer during those six months, then you will have to take both tests (theory and practical) in order to get a local driver’s licence. This basically means that people from all the major European countries, most major English speaking countries (including Canada, the USA and South Africa) and a handful of Caribbean countries, are entitled to obtain a Cayman driving licence after

they have passed the written theory test. You then have the option of getting a driver’s licence that is valid for three, five, or ten years. If you currently have a learner’s permit or are enroled in the Graduated Driver’s Licensing Program from another country, then you will have to schedule to take both the written theory and practical road tests in Cayman. If you have an International Driving permit, you can legally drive on it for as long as it is valid. However, you cannot convert an International Driving permit to a Cayman driver’s licence. If you have a full, valid driving licence from a country that is not a Convention country, then under section 29 of Traffic (Amendment) Bill, 2018 you are allowed to drive for one month, provided that you drive a motor car, a truck not exceeding 8,500lbs, or a motorcycle under 125cc. After one month you are required to pass both the written theory and practical road tests. However, you do not need to hold a learner’s licence in order to sit the practical road test as you already have driving experience. If you are caught driving without a valid licence, then there is an automatic CI$4,000 fine or imprisonment for up to 12 months. See below for a full recap: If you are a legal resident, then you can drive on Cayman’s roads if you:


Have an International Driver’s permit. As long as it is valid, you are exempted from the requirement to hold a Cayman driver’s licence and can, therefore, drive legally on it.


Have a full, valid domestic driver’s licence from a Convention country. You will be able to drive in Cayman for up to six months before having to pass the written theory test to be issued with a Cayman driver’s licence. If you wait longer than six months, you will also have to pass the practical road test.


Have a full, valid domestic driver’s licence not from Convention country. You can drive for one month in Cayman, but only a motor car, a truck not exceeding 8,500lbs,

or a motorcycle under 125cc. To legally drive thereafter, you must obtain a Cayman driving licence by passing both the written theory and the practical road tests.


Have a full Cayman driving licence. Cayman driving licences are only valid for either three, five or ten years. You will need to get your licence renewed promptly or you are effectively driving without a licence and therefore driving illegally. If caught without a valid licence, you will be suspended for a year.

You must have your driving licence and a copy of your car insurance with you at all times when driving! Brand new drivers licences can be obtained for three or five years and cost CI$125 or CI$175 depending on the category of vehicle For those needing their Cayman licence renewed the cost is CI$75 for three years or CI$125 for five years.

It is not necessary to obtain a visitor’s

Obtaining a Driving Record A driving record can be obtained from the DVDL which outlines the driver’s licence history in Cayman. The document costs CI$75 and takes three working days to be processed. Obtain this before leaving the Island if you are intending to drive overseas in places such as Canada where you will not be issued, or reissued, a Canadian driver’s licence without it.


990 Crewe Road, Red Bay, Tel: (345) 945 8344, Email: dvdl@gov.ky or Web: ww.dvdl. gov.ky. Open: Monday-Friday 8.30am4pm


9 Reverend Blackman Road, West Bay (Across from the West Bay Police Station) Tel: (345) 949 7231, Email: dvdl@gov.ky or Web: ww.dvdl.gov.ky. Open: TuesdayFriday 10am-6pm, Saturday 9am-4pm


Breakers, Frank Sound (across Sea View Road from the South Coast Bar and Grill) Tel: (345) 244 5528, Email: dvdl@gov.ky or Web: ww.dvdl.gov.ky. Open: TuesdayFriday 10am-6pm, Saturday 9am-4pm

The Department of Vehicle & Drivers’ Licensing (DVDL) in Cayman Brac and Little Cayman:

DVDL Offices The Department of Vehicle and Drivers’ Livensing (DVDL) is authorised to inspect and test vehicles, register motor vehicles and maintain the register, issue licences in respect of motor vehicles and drivers, and conduct driving tests.


The Department of Vehicle & Drivers’ Licensing

LICENSING YOUR VEHICLE Your vehicle will need to be inspected

(DVDL) has three locations in Grand Cayman:





Building. Tel: (345) 948 2222. Open: Monday-Friday 8.30am-4pm






Building, Tel: (345) 948 1051. Open: Every other Thursday 9am-2.30pm

permit. You can drive in Cayman provided you have a valid driver’s licence and insurance coverage.


Visitors who have a full, valid driver’s licence from a Convention country can drive for six months in Cayman.



Visitors who have a full, valid driver’s licence not from a Convention country can drive for one month in Cayman provided that they only drive a motor car, a truck not exceeding 8,500lbs, or a motorcycle under 125cc.

It should also be noted that if you lend your car or truck to a visitor, you must ensure they have a valid driving licence, otherwise they will be deemed to be driving illegally and this could invalidate your insurance. Please note that no one under the age of 18 is allowed to drive a pick-up truck in the Cayman Islands. Having said all of this, you need to be very clear on what your insurance company requires before covering you. Some policies have very strict age limitations; some will not insure people until they are nearer the age of 21, 23 or


www. c a y m a n r e s i d e n t . c o m



If you are a visitor (i.e. not a resident and you don’t have a work permit)


even 25 years of age. Additionally, most insurance companies will not insure new drivers to drive an SUV until they have had a licence for one year.

192721_PRINT-Ad-IH-Resident-TranPage 1


3:29:57 PM

and licensed by the DVDL. Avoid doing this on rainy days, as they will not inspect the cars if it is raining, or at the beginning and end of the month as they get very busy. You can have your car inspected and its registration renewed for up to 30 days before the expiry date. You can also renew your vehicle and driving licence online if you have an ESID number (e-services number unique to you), which you must obtain from the DVLD office. Once they have you set up with one, you can do everything online in a matter of minutes. No more waiting in line! You will still have to get your car inspected, but that process is usually quite quick and once they confirm your car has passed, the information will be recorded in their computer system. The law does not require you to have a Cayman licence to register a car in your name, but if you are registering it in the name of a company, you must have a certificate of good standing from the Registrar of Companies, located on the ground floor of the Government Administration Building. The minimum cost for one year’s inspection and licensing for a regular four-seater car is CI$215 (CI$180 registration, CI$35 inspection). An SUV that exceeds 2500cc costs CI$235. A Hummer costs between CI$535 and CI$1,035 per year. Disabled vehicles have no annual licensing fee unless you own two, in which case you must pay standard fees for the second vehicle. Scooters, trucks and taxis have different prices for both inspection and licensing. Vehicle inspections are offered at the Crewe Road and Breakers locations, but not at the West Bay location. You can also have your vehicle inspected at various automotive repair shops and many people will combine an annual car service with the car inspection process. The garage will issue you with a Certificate of Roadworthiness, which you then take to the Vehicle & Licensing Department when you go to renew the






licence on your car. Depending on the age of the vehicle, it can be inspected for any period up to a maximum of 62 months and licensed for one, three or five years. For five years, the vehicle must be brand new and not previously licensed in any country. Vehicles licensed for three years must not be older than ten years from the date of manufacture. If your vehicle is new to the Island you will also have to purchase licence plates at CI$75 per set. Personalised plates can also be purchased for CI$400 per set (replacements cost $30). With the new Electronic licence plates, you are required to place the coupon at the top of the windshield, in the centre, directly below the place the rear-view mirror is placed. This makes it easily accessible for scanning by law enforcement. However, if you still have old plates, place the coupon within six inches of the edge on the driver side, with the time period facing outside of the car. Disabled Parking Badge To obtain a disabled parking badge the process is as follows: collect a form from the DVDL and have a licensed physician fill out the relevant portions, stating whether it needs to be temporary or permanent. Your application will then be reviewed and if approved, a fee of CI$5 will have to be paid to receive a tag or you can choose to pay a fee of CI$50 for a licence plate. MOTORCYCLE & SCOOTER LICENCES There are three groups of motorcycle licences: Group 0 (mopeds/ motor scooters), Group 1 (up to 125cc) and Group 1A (over 125cc). You must be at least 19 years of age to drive a motorcycle with an engine over 125cc. If you have a bike licence from abroad that explicitly states that you are entitled to ride a bike over 125cc, then it may be possible to obtain a Full Group 1A by taking a theory test and paying a CI$75 fee. However, this largely depends on which country your licence has been

CAR INSURANCE You can transfer ownership of a car from one owner to another without car insurance, but you cannot license the vehicle without insurance. The average cost of third-party cover for a mid-sized car not exceeding 2.5 litres (2500 cc) is likely to be in the region of CI$450 to CI$650 per year, depending on whether it is a convertible or a sports car (which are more expensive). Comprehensive insurance on a nearly-new but second hand CI$16,000 car would be in the region of CI$850 per year (with a no claims discount factored in) and insurance on a new CI$32,000 BMW 3 series would cost over CI$1,000 per year (with all discounts factored in). If you bring a letter from your existing insurance company stating that you have had no claims in the last year or more, you may be eligible for a discount. Also, be aware that banks insist on comprehensive policies covering cars they are financing and some insurance

companies will not sell comprehensive insurance on vehicles over ten years old. Insurance rates vary considerably, so shop around. Note: third-party insurance is available on-Island, but it does not cover fire, theft or collision. It is a good idea to ask if the comprehensive policy covers hurricane or flood damage (also known as acts of God) as some companies do not. Also check your policy, as many will automatically only cover drivers aged 25 to 65 who have had a licence for 12 months or more. Insurance rates for teenagers who have recently passed their driving test are extremely high as they are seen as inexperienced drivers. You may find it easier for someone under the age of 23 to find car insurance on a four-door second hand car than a highend sports car. If you are caught driving without insurance, the police take it very seriously indeed and you will be subject to a fine of CI$2,000, imprisonment for three months, plus the loss of your licence for 12 months. If you lend your car to someone knowing that the car is not insured, then they, plus you, as the owner of the vehicle, will be fined and lose your licence for 12 months. The law requires that you must carry your car insurance document in your car at all times and present it to police whenever asked. For car insurance providers please refer to the Settling In chapter.


Cayman has many top international rental car companies, as well as good local ones. Rates are higher in winter (from mid-December) but lower in the summer (from mid-April) and are comparable to those in the US. Vehicle options include everything from compacts to SUVs and convertibles. Most rental car companies offer resident rates. To rent a car drivers must have a credit/debit card in order to make the reservation, be over the age of 21 years and have a valid driving permit. Those renting under the age of 25, depending on the rental company, may not be subject to full coverage, may be charged more or may not be allowed to rent a car at all. Advance Car Rentals 113 Owen Roberts Drive, near the airport Tel: (345) 945 9191 Alamo Rent-a-Car At the Airport Tel: (345) 945 7368 Apex Car Rentals At the Airport Tel: (345) 949 4808 Email: apex@abcayman.com www.apexcayman.com A car rental agency in Cayman offering daily, weekly and monthly rentals. Choose from a variety of vehicles ranging from the most economical to mid-size and larger SUVs. A

• • • •



issued from and is not guaranteed. If you already have a Group 2, 3 or 4 Cayman driver’s licence, then you can easily obtain a Learner’s Group 1 bike licence without having to take a written test. Having obtained it, you should book a practical road test. With a Provisional Group 1 licence, you are only allowed to carry a passenger who is the holder of a Full Group 1 licence. If you don’t have a qualifying licence, then you need to take a written road test and, after passing the practical road test, you will be able to obtain a Full Group 1 licence. Once you have had a Full Group 1 licence for one year, you qualify for a Group 1A licence, which enables you to ride unlimited displacement motorbikes. However, if you are over the age of 19 and can prove you have passed an intensive rider safety course, then you can skip the 12-month wait time. Cayman Custom Cycles (Tel: (345) 945 7433) offers this course, along with other motorcycle training courses.

Free mileage & pick-up Long term mini-leases available Daily, weekly & monthly Special Rates Economy, compact, mid-size and full size Find us on


Facebook and

www. c a y m a n r e s i d e n t . c o m



range of insurance options are also available.

Rental and car sharing business only available to



Camana Bay tenants.

unlimited mileage.



For residents looking to live here for only one to five years, leasing may be a better option.

At the Airport (GT) and The Westin Hotel Tel: (345) 949 2468 or (345) 949 2701 Budget Rent-a-Car At the Airport

Swift Auto Leasing

Tel: (345) 949 5605

Tel: (345) 927 5727

Email: budget@abcayman.com

Email: info@swiftautoleasing.com



Offers daily, weekly and monthly rates and

Swift Auto Leasing offers vehicle leasing

gives readers a 15% discount if you mention

options for both short and long-term leases.

Cayman Resident. They also sell their old rental

Their vehicle selection is reliable, fuel efficient


and compact. The lease includes 24/7


roadside support, insurance, vehicle licensing


Economy Car Rental

and all maintenance and repairs. A security

At the Airport, George Town

deposit is required upon signing, along with

Tel: (345) 949 9550

the payment of the first months lease. The


minimum term to lease is three months at a Hertz

rate of CI$500 per month. A longer lease will

250 Owen Roberts Drive, near the airport.

cost less per month.

Tel: (345) 943 4378 Tony’s Toys Automotive Centre National Car Rental

91 Sherwood Drive, Industrial Park

At the Airport, George Town

Tel: (345) 946 8697

Tel: (345) 945 7368

Email: info@tonystoys.net www.tonystoys.net

Payless Cayman

Tony’s Toys offers long and short-term

257 Owen Roberts Drive, near the airport

leasing options for both part-time and

Tel: (345) 743 1270

full-time residents. Choose from a variety

Email: customerservice@paylesscayman.com

of sizes, makes and models, including Toyota, Mercedes, BMW and Honda. From


compact to SUV, luxury to practical, there

10 Market Street, Camana Bay

is something to fit every customer’s needs.

Tel: (345) 943 2834

Leasing rates start from CI$600 per month

Email: info@zuncar.ky

and all contracts include insurance, vehicle

• Free mileage and pick-up • Long term mini-leases available • Daily, weekly and monthly Special Rates • Economy, Compact, Mid-Size and Full Size

345-949-4808 Email: apex@candw.ky

Find us on

Check out the web for Hot Deals! www.apexcayman.com 246








If you would like to import a car to the Cayman Islands, a brief summary of the process is as follows: you’ll need to get the car to the Port of Miami or Tampa, book the car on the next ship sailing to Cayman and clear US Customs. Note that if you are importing a vehicle from Japan it will come through the port in Jamaica and then to Cayman. In the meantime contact the shipping company/agent and take all your paperwork to Customs to pay duty (0% 42% depending on the type and value of your car), plus a one-time fee for future car disposal (see the Environmental Disposal Fee section on page 248). Following that, head to the Port Authority to pay the Port handling fees. You can then collect your car immediately once it arrives. You can hire a customs broker to help you with this process, as it can be fairly complicated and time consuming. For more information go to www.customs.gov.ky. Keep in mind that the Island is hot, so a light coloured car with good air conditioning will be much cooler and easier to sell in due course. Dark coloured cars with manual transmission do not sell well in Cayman since most students learn to drive automatic cars and have no clue how to drive a manual transmission car. Shipping Costs & Details The average cost for shipping a midsized vehicle (approximately 500 cubic ft or less) with either Seaboard Marine or Thompson Line is US$2,000 (without insurance). They do recommend you add insurance. Please contact them for a quotation. US Customs Law states that the Vehicle Title for used cars must be stamped by US Customs for a 72-hour clearing period (excluding the day of delivery, shipping and weekends) prior to the shipping date. Please note that unless you’re buying your vehicle straight from the manufacturer, it

is considered ‘used’ under US Customs Law. US dealerships will often gift a full tank of fuel with purchases, however, be aware that the vehicle will not be allowed to leave the US with more than a quarter tank. As this fuel limit can vary between shipping companies, it is best to ensure that your tank is completely empty. No personal effects may be placed inside the vehicle when shipping. We highly recommend you use a broker to assist you when shipping a car to Cayman. They will help you gather together the documents, such as the car title, letter of intent, power of attorney and bill of lading. All vehicles must be delivered to the Port (or consolidator’s bonded warehouse) before US Customs clearance. Which port you take your car to will depend on the shipping company you choose to ship with. Three shipping companies ship to Grand Cayman:

3740 W 104th Street, Suite 1, Hialeah, FL 33018 US Tel: (305) 913 4933

first you will need to pre-register on the

Email: abarrett@barretttradeservices.com

Customs Online System (COLS) website (www.customs.gov.ky)

1630 Port Boulevard, Miami FL 33132 US Tel: (305) 530 5757 Cannon Place, Industrial Park, Grand Cayman Tel: (345) 949 4977 www.seaboardmarine.com /grand-cayman SE E AD PAG E 107

Tropical Shipping 500 Martin Luther Jr. Blvd., Riviera Beach,



Deluxe Freight Inc.

will need to complete the form and upload

DLX-GCM 11401 NW 107th Street, Suite 100,

the supporting PDF documents. Once you

Miami, FL 33178, USA

submit the request they will either approve

Tel: (305) 513 0156

the registration or they will advise via

Cayman Agent: CICA (345) 949 2350

email what other documents are required.

Email: sales@deluxefreight.com

If approved, you will be given a COLS


trader identification number (TIN) and login




Crowley (Cayman) 10205 NW 108th Ave, Medley, FL 33178

Collect paperwork from the shipping company and pay shippers.


US Tel: (305) 463 4800

Log in to the COLS website and follow the process to declare your shipment.


Supporting PDF documents needed will

These companies can also assist you with the transfer of a vehicle from the dealership to the port and help with cargo insurance. They will then send all the paperwork associated with the transaction via courier, so that you can collect them in Cayman. When exporting a vehicle from the US, an ‘Export Power of Attorney’ from the shipper needs to be notarised by a US Notary.

include bill of lading, title of the vehicle and the official invoice/valuation. Before submitting, you will have the choice to Confirming the declaration will constitute as your electronic signature which will be legally binding. This process is subject to change as Cayman Customs is continually upgrading the system.


Once approved, Customs will send you an email. Then you will go to Customs on

Clearing Your Car Through Cayman Customs Once your car has landed at the port in Cayman, the shipping company will notify you. You can use a customs broker to clear your car through Cayman Customs, and they will handle the following steps on your behalf. If you are doing the customs clearance yourself however, the next steps are:


Owen Roberts Drive, Tel: (345) 949 4579, pay the duty for your vehicle and pay the environmental fee.


Obtain car insurance (you will need proof of insurance on the vehicle before picking up the car from the Port).


You’ll then need to go to the Port Authority Warehouse on Portland Road in Industrial Park where you will present the Customs clearance documents and be charged a fee,

If you are not yet registered with Customs,

depending on the weight of your vehicle.

FL 33404 US Tel: (305) 805 6620 Cayman Tel: (345) 949 8044

Clearing Your Car Through US Customs It is the owner’s responsibility to clear their car through US Customs or to appoint a customs broker to do so. The following customs brokers, based in Miami, can help: Barrett Trade Services, LLC 8381 NW 68th Street, Miami, FL 33166

Welcome to the world of




review and confirm the information.

Cayman Tel: (345) 947 4933 Seaboard Marine Cayman



• Rates starting at $600 per month • Service packages (insurance and service included) • Warranty and licensing • One month until... • New and pre-owned vehicles #91 SHERWOOD DRIVE, INDUSTRIAL PARK Sales and Leasing Department Tel: (345) 946-8697 / (345) 623-8669 Email: sales@tonystoys.net Like us on:


www. c a y m a n r e s i d e n t . c o m



Hyde Shipping Corporation

US Tel: (305) 477 1512 or Fax: (305) 477 1238

>> >>

Pick up your vehicle. Go to the Department of Vehicle and Driver’s Licensing (DVDL) and follow the inspection and licensing process. They will also need to see the vehicle’s certificate of title.

Note: costs depend on the type of vehicle being licensed. Also be aware that, as per the Cayman Islands’ Traffic Law, it is an offence to keep a vehicle in the Cayman Islands without it being registered with the DVDL. See the Licensing Your Vehicle section for more.



Duty Costs Of Importing A Car Since the Cayman Islands does not have direct taxation, the Cayman Islands Government charges import duty on all vehicles being imported into the Islands as a way of raising revenue. The percentage charged depends on the value and type of the car. The import duty is calculated on what is known as CIF value. Which is the Cost of the car plus the Insurance premium for its journey by ship, plus the sea Freight charges. Below is a list of import duties based on CIF value: CIF up to CI$20,000 = 29.5% CIF up to CI$25,000 = 32% CIF up to CI$30,000 = 37% CIF from CI$30,001 and up = 42% Duty Costs Of Importing An Electric or Hybrid Car In July 2019 new, lower rates of duty were announced for electric and hybrid cars. See the list below and also refer to page 250 for more information. Electric Vehicles:

CIF up to CI$29,000 = 0% CIF up to CI$60,999 = 5% CIF from CI$61,000 = 10% Hybrid vehicles:

CIF up to CI$29,000 = 10% CIF up to CI$60,999 = 12% CIF from CI$61,000 = 15% Environmental Disposal Fee An Environmental Disposal fee is added 248



to cover the cost of disposing of a vehicle in years to come. If a vehicle is valued at CI$12,000 (CIF) or less when it is imported then an environmental disposal fee of CI$1,000 plus a waste handling fee of CI$250 will be charged in addition to duty of 29.5%. Exporting A Car From Cayman If you want to ship a car off the Island, the process is as follows: go to the shipping company and either get a letter or dock receipt from them as proof of a vehicle being shipped off-Island. Then go to the DVDL and terminate registration of the vehicle, surrender the log book, coupon and licence plates. You will then need to go to Customs and then fill out a vehicle export form. They will review your entry and either approve or deny it. If approved, take this form over to Customs and they will then process the document. You can then arrange the shipping of the vehicle with a freight forwarder or one of the shipping companies. BUYING A NEW CAR

Unlike some other islands, there are no size restrictions on cars in Cayman (except Hummers, which cannot be wider than 6.7ft). Almost every make of car is available to purchase and you can own as many cars as you want. There are dealers who sell new cars at competitive prices. For example, for 2019 models a new Toyota Agya will cost you around CI$15,900 and an Audi A3 CI$36,000. For SUVs, which account for 80% of the car sales in the Cayman Islands, a 2019 Honda CRV LX will cost you CI$29,900, an Audi Q3 CI$58,000, Ford Explorer XLT CI$49,500, a Chevrolet Trax CI$21,995, 2019 Hyundai Creta GLS CI$24,500, a 2019 Kia Sorento CI$34,600, a JAC S2 CI$19,995, a JAC S3 CI$22,995 and an Island favourite, the new 4-door hard top Jeep Wrangler JL for CI$45,900. Ask what the cost of the vehicle includes, such as inspection, licensing, maintenance and warranty.

New Car Dealers The following makes of car are sold by the authorised dealers listed below. Most dealerships do not carry a large inventory of parts but they can order them. Please note that there are no authorised dealers on the Island for Acura, Alfa Romeo, Buick, Citroen, Peugeot and Porsche. Audi Audi Cayman Islands (Arch Automotive) 10 Market Street, Camana Bay Tel: (345) 943 2834 Email: archauto@archauto.ky BMW, Mini & Kia G.T. Automotive 52 Godfrey Nixon Way, George Town Tel: (345) 945 3415 Email: c.gunby@gtauto.ky or p.smith@gtauto.ky www.bmw.com.ky or www.gtauto.ky G.T. Automotive provides their customers with reliable and stylish vehicles at affordable prices. SE E AD PAG E 241

Chevrolet Advance Automotive 113 Owen Roberts Drive, George Town Tel: (345) 945 9191 Ford, Toyota & Lexus Vampt Motors 514 Walkers Road, George Town Tel: (345) 949 2245 Email: sales@vamptmotors.com www.vamptmotors.com A full service automobile dealership. They are the exclusive dealers for Ford and the authorised dealers for Toyota and Lexus. SE E AD OP P OSI T E PAG E

Honda, Chrysler, Dodge, Jeep, Ram, MercedesBenz, Mitsubishi & Suzuki Car City Ltd. 151 Industrial Way, Industrial Park Tel: (345) 949 0440 Email: salesrep@carcitycayman.com Hyundai & SSangYong Prestige Motors

125 Owen Roberts Drive, George Town Tel: (345) 949 7550 Land Rover, Jaguar, Renault, Subaru, Volvo & Changan Trac Automotive (formerly Eurocar) 494 Shedden Road, George Town Tel: (345) 945 3876

the car’s logbook. The cost of a reliable used car will depend on the make and model but for CI$8,000 you should be getting a pretty reliable car. A few of the rental agencies such as Avis Cico and Budget sell their three-year old American and Japanese models every year and you can usually pick up a nice looking car at a great price.


Email: salesrep@carcitycayman.com Quality Cars Cayman 102 Cannon Place, North Sound Road Tel: (345) 943 2277 Email: info@qualitycarscayman.com Distinct Imports Main Street Walkers Road, George Town Tel: (345) 949 6199 or (345) 929 6199

Email: chad.phillipps@carcitycayman.com

Used Car Dealers The following is a list of some wellknown car dealers that regularly carry a good stock of used cars:


Advance Automotive

Email: sales@tonystoys.net

Arch Automotive

113 Owen Roberts Dr, George Town


15 Portland Road, Industrial Park

Tel: (345) 945 9191

An independent car dealer operating in the

Mercedes-Benz (Car City) 131 Industrial Way, Industrial Park Tel: (345) 949 0440

Email: cayman@japanesevehicles.com Tony’s Toys Automotive Centre 91 Sherwood Drive, Industrial Park Tel: (345) 946 8697

Tel: (345) 949 8221 Email: archauto@archauto.ky

Cayman Islands for over 20 years, Tony’s Toys Avis

offers a wide range of pre-owned vehicles in

Avis Sales Lot, Industrial Park

various sizes, makes and models. Special orders

Tony’s Toys Automotive Centre

Tel: (345) 949 2468 or (345) 949 2701

are also available along with financing options

91 Sherwood Drive, Industrial Park

Email: avisgcm@candw.ky

to suit any budget and approval within 72 hours (terms and conditions apply). The Centre also

Email: sales@tonystoys.net

Budget Car Sales

services and repairs American, Japanese and


Tel: (345) 949 5605

European vehicles.

An independent car dealer operating in the


Cayman Islands for over 20 years, Tony’s Toys

Budget sells their three-year old American and

Vampt Motors/Cayman Economy Cars

offers a wide range of new vehicles in various

Japanese models every year. Great value for

514 Walkers Road, GT

sizes, makes and models. The company can

money. SE E AD PAG E 245

Tel: (345) 949 8288

SE E AD PAG E S 247 & 251

Email: sales@vamptmotors.com

also source any vehicle not in stock and offers reasonable financing options to suit

CARS Ltd. (Campbell’s Auto)


any budget with approval within 72-hours

117 North Sound Road, George Town

They have a small inventory of pre-owned cars

(terms and conditions apply). The Centre also

Tel: (345) 949 7135

for sale. Choose from a range of compact cars, luxury cars, sedans, SUVs, vans and trucks.

services and repairs American, Japanese and European vehicles. SE E AD PAG E 247 & 251 BUYING A USED CAR

There are many reputable used car dealers on the Island that will usually guarantee the car for a period of three months, as well as sell parts for their cars and service them. It is recommended to buy from a dealer, rather than someone found on ecaytrade. com, as there is usually very little difference in the price and the dealer has to maintain a good reputation. When buying a used car, be sure to verify that you are dealing with the official owner of the vehicle, otherwise you will encounter difficulties when transferring ownership. To do this, check

Car City Ltd.

They also have Hybrid and Electric cars to

151 Industrial Way, Industrial Park, GT

choose from. SE E AD T H I S PAG E

Tel: (345) 949 0440

Visit our expanded Showroom, Service Centre and Body Shop on Walkers Road in George Town. We service all makes & models.


Service Centre - 949-2245

Monday - Friday 7:30am - 5:00pm, Saturday 8:00am - 12:00pm

Showroom - 949-8288

Monday - Friday 8:30am - 5:00pm, Saturday 9:00am - 12:00pm


www. c a y m a n r e s i d e n t . c o m



Tel: (345) 946 8697


recommended every two years, it includes



Electric vehicles are now a common sight on Cayman’s roads and in July 2019 the Government announced there will be no import duty imposed on electric vehicles for personal use valued under CI$29,000. In addition, hybrid vehicles, for personal use, valued under CI$29,000, will have a duty of 10% – substantially less that the average rate of 22%-42% for regular gas and diesel powered vehicles. Electric vehicles can, on average, be driven for 200 miles on a single charge and it is estimated that, at current CUC rates, this will cost a total of CI$3 per charge. There are 15 electric vehicle charging stations around Cayman and several new stations are under construction or proposed. See the list below or download the PlugShare app from the App Store; it gives you a detailed map with Cayman’s charging stations.

The combination of the sun’s rays and Cayman’s salty air can be hard on your car, but fortunately road conditions in Cayman are much better than virtually every other Island in the Caribbean. Driving in Cayman however, is similar to city driving, where you are stopping and starting constantly and that causes the most wear on your engine, suspension, brakes, battery and tyres. We recommend checking your tyre pressure and fluid levels monthly. Probably the worst thing that your car will face is the silent invisible rust maker, the salty air! We have lots of it and if you plan on living on or near the water, your car will rust faster than you can imagine if not taken care of. Getting your car undercarriage coated with a rust-proofing agent is a very good idea. It costs roughly CI$250 (or CI$450 if you want the entire car done) and one coating properly maintained will indefinitely protect your car. Washing your car on a regular basis will also extend the life of your car, but make sure you always spray the undercarriage and the wheel rims. The sun can also damage your car. You can help prevent damage by waxing it at least once every six months and a simple sunshade for your windshield will keep your car interior cooler and protect the dashboard from cracking. You may also want to invest in window tinting, but make sure you follow current regulations regarding the percentage of tinting you are allowed to use. The following is a guideline on car maintenance and average costs, though the maintenance schedules vary by manufacturer and costs may increase if new parts are required:

all the above plus spark plugs, providing a




❑❑ The Kimpton Seafire Resort (SMB) ❑❑ Governors Square (WB) ❑❑ The Westin Grand Cayman Beach Resort & Spa (SMB)

❑❑ Sunshine Suites Resort (SMB) ❑❑ Comfort Inn Suites (SMB) ❑❑ Camana Bay ❑❑ A.L. Thompson’s Home Store (GT) ❑❑ The Department of Immigration (GT) ❑❑ Foster’s (Airport Location) ❑❑ Foster’s (Camana Bay) ❑❑ The Crighton Building (GT) ❑❑ Grand Harbour (RB) ❑❑ Lornas Rubis Gas Station (BT) ❑❑ Wyndham Reef Resort (EE) ❑❑ Kaibo Restaurant Beach Bar and



costs roughly about CI$400.

These services, if done routinely, should keep your vehicle in good condition and help avoid costly repairs due to neglect. As a separate side note, remember that in a hot climate like Cayman’s, the plastic interior in your car, such as dashboard and ducts, will heat up during the day and may release benzene, which is a known carcinogen, into your car. Remember to open the windows and allow your air conditioning to run for a moment, clearing the air before you close up the car and start driving. The following are reliable car maintenance shops and dealerships (listed with the brands they carry), though most will service any make and model. Advance Automotive 113 Owen Roberts Drive, George Town Tel: (345) 945 9191 Arch Automotive & Goodyear Tyres 15 Portland Road, George Town Tel: (345) 949 8221 Authorised service centre for most makes and models of Audi and Volkswagen. Automotive Art 480 Shedden Road, George Town Tel: (345) 949 7102 Email: service@autoart.ky CARS Ltd. (Campbell’s Auto) 117 North Sound Road, George Town Tel: (345) 949 7135 Car City 151 Industrial Way, Industrial Park Tel: (345) 949 0440 Email: salesrep@carcitycayman.com

a mid-service is recommended. This should

Marina (RP)


Every six months or 5,000 miles/7,500km

complete check of your car. This service


cover almost all points on the car, as well as

G.T. Automotive

check your air conditioning filters, rotate

52 Godfrey Nixon Way, George Town

the tyres and top up all of you car’s vital

Tel: (345) 945 3415

fluids (roughly CI$150)

Email: c.gunby@gtauto.ky or










the weather conditions, vehicle type and driving habits. The following reliable tyre and battery shops offer