Page 1

201

MAPS ABOUT CAYMAN WORKING IN CAYMAN IMMIGRATION FOOD & DRINK HEALTH PETS KIDS & ADULT ACTIVITIES FINDING, RUNNING & BUILDING A HOME EDUCATION AND MUCH MORE!

WWW.CAYMANRESIDENT.COM

8


Creating exceptional spaces that are as distinct as our clients

Furniture & Housewares I Spatial Planning I Interior Renovations Project Management I White Glove Installation

215 West Bay Rd l 7Mile Shops l 345-943-6464 l www.idgcayman.com


“a place to linger for a while”

119 Dorcy Drive

DWELL is a contemporary

DWELL offers an affordable

DWELL provides fresh and

George Town

furniture and design store

collection of contemporary

innovative design solutions at

345-745-4310

in the Cayman Islands,

home furnishings and

affordable prices for those

dwell@idgcayman.com

created by the Partners of

accessories that are inviting

who seek to put the word

www.idgcayman.com

IDG (International Design

to the "New Urbanism"

'style' back into 'lifestyle'.

Group, Ltd.).

consumer who chooses to dwell in style.

»

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

1


2018 Letter from the publishers As we roll into our 15th year of publishing Cayman Resident, we can’t help but reflect on where we have come from and where we now are – both as the nation of Cayman, and as a home-grown and locally supported company.

Go Digital

The recent devastation caused to our island neighbours by Hurricanes Irma and Maria has reminded us of September 2004 when Hurricane Ivan swept through

20 1

8

Cayman. Cayman was so badly damaged and so changed that, for a while at least, many of us wondered the direction we should take. At the time Cayman Resident was two years old, and had a total of 19 chapters and 144 pages. Fast forward to

201

8

2018 and both our beautiful country and magazine have recovered and come back bigger and better than ever.

MAPS ABOUT CAYMAN WORKING IN CAYMAN IMMIGRATION FOOD & DRINK HEALTH PETS KIDS & ADULT ACTIVITIES FINDING, RUNNING & BUILDING A HOME AND MUCH MORE! EDUCATION

MAPS ABOUT CAYMAN WORKING IN CAYMAN IMMIGRATION FOOD & DRINK HEALTH PETS EDUCATION KIDS & ADULT ACTIVITIES FINDING, RUNNING & BUILDING A HOME AND MUCH MORE!

WWW.CAYMANRESIDENT.COM

WWW.CAYMANRESIDENT.COM

368

368

We hope that the Leeward Islands, BVI, Dominica, Puerto Rico, Cuba and Florida

PUBLISHER’S LETTER

Download the new FREE eBook Today!

recover quickly and fully. For those who have unexpectedly joined us here from these islands, we hope that our 30 chapter, 408 page everything-Cayman ‘bible’ helps you feel some comfort and a Caymankind welcome.

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

This year it took a team of 11 people from April to September to check and update the thousands of individual bits of information in the magazine, and everything we could not fit in the print edition has gone on our website, www.caymanresident.

Compatible with Apple and Android Devices

com. Whether you are an existing, temporary or new resident, as always, you can rely on the information provided to learn about new laws, new activities, new

Download The Resident eBook for free from

places to eat and much much more.

www.caymanresident.com

“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

2

CAYMANRESIDENT 2018

Charles Grover & Joanna Boxall Publishers, the Cayman Resident

»


»

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

3


2018 Table of Contents Island Maps 8 9 10 12 14 16 18

Grand Cayman The Sister Islands West Bay Seven Mile Beach George Town Red Bay, Prospect, Savannah, Lower Valley & Newlands Aerial Map of George Town

84

74

Visas & Passports

20

1 About Cayman

21

98 111

88

The Process of Moving Shipping Considerations

8 Settling In

Cayman in Pictures

98

Opening a Bank Account Utilities

History & Politics Customs & Traditions

2 Cayman – A Global Financial Centre

29

Taxation Investment Funds Reinsurance

3 Investing in Cayman 38 40 42

Immigration

91 95

17

31 32 34

6

7 Preparing to Move

Contributors

22 26

TA B L E O F C O N T E N T S

8

38

Wealth Management Saving & Investing in Cayman Investing in Cayman Property

9

Finding a Home

10

120

Running Your Home152 152 156 157 159

Maintaining Your Home Domestic Help Maintaining Your Garden Waste Disposal

11 Building in Cayman

160

160 Think Like a Developer 163 Building Options 167 Building Professionals

12 Home Improvements 4

Running a Business

44

13 Food & Drink 5 Working in Cayman 65

4

Finding a Job

CAYMANRESIDENT 2018

Âť

62

171

174 Interior Designers 176 Indoor Improvements 183 Swimming Pools

186 Places to Eat 193 Grocery Stores & Food Markets

184


14

Being Green 202 203 203

202

Being Green in Cayman Recycling Locations Landfill Site

23 Activities for Kids & Teens 309 310 Playgrounds & Parks 314 Sports

24

Health & Wellness 322 324 Health Insurance 334 Pharmacies 338 Medical Specialties

25 Pets 15

Transportation

16 Boating

210 226

229 Where to Boat 231 Buying & Maintaining a Boat

17 Diving

240

241 Wreck Diving

249 250 254 260

246

Beauty Products Cameras & Clothes Furniture Toys

19 Living in Cayman

20

274 275 276 276

261

302 Exploring Cayman’s Attractions 307 Watersports & Excursions

367 Planning Your Wedding 368 Wedding Locations

27 Having a Baby

372

373 Obstetricians/Gynaecologists 374 Costs of Having a Baby On-Island 376 After Having a Baby

28 Community Life

380

29 Sports & Fitness

390

390 Sports Clubs & Organisations 394 Personal Fitness Trainers

30 Travel

398

Index

404

Last Look

408

277

282 Private Schools

22 Activities for Adults

366

272

Hurricane Supply Kit Things to Do Food & Water Supplies Aftermath of the Storm

21 Education

26 Getting Married

380 Clubs & Organisations 388 Religious Services

261 Babysitters & Nannies

Hurricane Preparedness

358 Importing Pets 361 Finding a Pet

TA B L E O F C O N T E N T S

18 Shopping

358

302

Âť

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

5


2018 Acknowledgements Publishers Joanna Boxall - Editor Charles Grover – GM

Sales Charles Grover Sean Kelly Mahreen Nabi

Senior Graphic Designer Claire Rohleder

Junior Graphic Designer Elicia Wilson

Researchers/Copy Editors Satina DaCosta Sophia Muller Jessica Wright

Proof Reader Claudia Subiotto

Summer Interns ACKNOWLEDGEMENTS

Pippa Davies Grace Edgington Chloe Williams

Contributors Mark Yaxley Andre Ebanks Chevala Burke Paul Young Matthew Yates Nick Joseph Jennifer Powell Jeremy Hurst Paul Hotchkiss

Photography Cathy Church Cayman Islands National Archive DRCL/Camana Bay© Deep Blue Images Chuck Gloman Rebecca Davidson Photography Jennifer Marshall John Molyneux Jane Moon Courtney Platt Picture This Claire Rohleder Jonathan Sparrow Gary White Monika 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, Cathy Church, Julie Corsetti and Deep Blue Images, Jonathan Molyneaux Rebecca Davidson, Jonathan Sparrow as well as Picture This and many others for sharing their wonderful photos with us - thank you! Chevala Burke, Marketing & Promotions Manager, District Administration for her info on visiting the Sister Islands. Pippa Davies, Grace Edgington and Chloe Williams for interning with us and giving us months and months of great work researching chapters, writing articles, calling clients and updating websites. Andre Ebanks, Senior Legislative Policy Advisor in the Department of Financial Services Policy and Legislation, for his help updating the laws and information in our Cayman - A Global Financial Centre and our Running a Business chapter. Tammy Ebanks, Deputy Chief Officer (Labour Regulations, Gender Affairs and Administration) for helping us annually with the labour law. Jeremy Hurst, owner of the IRG group of companies for his in-depth piece on Commercial Property in Cayman. Bradley Johnson, Research Officer Cayman Islands Department of Environment, for providing information on marine conservation. Nick Joseph, Partner, HSM Chambers for sharing his expertise on Cayman’s immigration laws. Adolphus Laidlow, Deputy Director Economics and Statistics Office, Ministry of Finance, for providing economic statistics about the Cayman Islands. Kerry Powery, Chief Meteorologist Cayman Islands National Weather Service, for updating the climate statistics every year. Jennifer Powell, Real Estate Rental Agent, RE/ MAX Cayman Islands for writing about the ins and outs of renting a property in Cayman. Simon J. Watson from Charterland for sharing his company’s annual property review. Matthew Yates, Strategic Communications Officer, Ministry of Financial Services for his assistance with providing financial statistics, updates on Cayman’s new business laws. Mark Yaxley, the General Manager of Strategic Wealth Preservation for writing about Investing in Precious Metals & Storage which we have listed in our Investing in Cayman chapter. Paul Young, owner of Prime Locations Cayman for providing us with market research on the current property market in Cayman and helping us update our information in the Finding a Home chapter.

Photo courtesy of Deep Blue Images

On The Cover Cover photograph of scuba diver taken by Marc Montocchio. Photos of Palm Leaf by Lyn Ebanks. Ginger flower taken by Julie Corsetti. Family Photo taken by Daria Keenan of Picture This Studios.

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.

6

CAYMANRESIDENT 2018

»


Whether you’re stocking the pantry for the week or shopping for a dinner party with friends, Kirk Market is your place for the best quality ingredients from fresh local produce to imported artisan cheese. Have a specific dietary requirement? Look no further! Kirk Market is where you’ll find the largest selection of special dietary products such as, gluten-free, sugar-free, vegan, organic… and more!

Visit Kirk Market today and experience a world of choice! MON – THURS: 7am – 10pm • FRI - SAT: 7am – 11pm

413 Eastern Avenue

kirkmarket.ky

Telephone 949–7022

»

 KirkMarketCayman

 Kirk_Market

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

7


8

CAYMANRESIDENT 2018

Boatswains Bay

»

North West Point

LT SA

K EE CR

©Acorn Publishing Co Ltd 2017

Grand Harbour

Booby Cay

Kaibo

Mary’s Bay

The

Point

RED BAY, PROSPECT, SAVANNAH, NEWLANDS & LOWER VALLEY MAP

Beach Bay

Jamaica

Cuba

Latin America

USA

Meagre Bay Pond

NORTH SIDE

Frank Sound

1 1

2

2

4

North East Bay

Miles

3

Kilometres

Cottage Point

5

Anchor Point

The Bluff

Gun Bay

Colliers

Spot Bay

East End

The Caribbean Dominican Republic

Haiti

Half Moon Bay

Old Man Bay

CAYMAN BRAC

Breakers

Frank Sound

Malportas Pond

Hutland

Old Man Bay

GRAND CAYMAN

Pease Bay

BODDEN TOWN

Cayman Kai

Little Sound

Rum Point

Newlands Red Bay Savannah Prospect Spotts Lower Valley

North Sound

SEVEN MILE BEACH MAP

GEORGE TOWN MAP

South Sound

GEORGE TOWN

Camana Bay

Snug Harbour

LITTLE CAYMAN

Jackson Point

Hog Sty Bay

Seven Mile Beach

Governors Harbour

WEST BAY MAP

WEST BAY

Conch

Spanish BayPoint

G R A N D C AY M A N

No

Grand Cayman


L

IV

I

R

G

Acorn Publishing

o eb az

Spot Bay

Ln

Salt Rocks

O

Jackson’s Pond

CCMI

ou th Lig h

Candle Rd

d se R

Bloody Bay

H

Sunset Cove

n

N

O

South Town

McCoy’s Pond

A

RO

ot B ay

ST

Tarpon LakeSp

CO

Ro

AD

Edward Bodden Airport

R

TH

Bloody Bay Point

Sparrowhawk Hill

GrapeTree Pond

Blo ssom

»

O

SS

RD

ATM

W

E

C

R N D

E

www. c©Acorn a y m a n r e sPublishing i d e n t . c o m Co Ltd 2017 9

Brac Reef Beach Resort

e Ave Mari Blvd Bluff Ave and Bertr Ave rie Vale

ecc as Rebve Rd Ca

Wilfr e

H

SO

Dick Sesinger’s Bay

UT

I H S

D

E

The Alexander Hotel

Rd Dantzler

Brac Caribbean Condos Carib Sands Condos

C

RD S

AV

CH

RA

M A RS O

GER

H

A WF

C

IT

R D H OR D

Rd

M

L A N NE

tery me Ce

RD

Rd Thatch

Sir Charles Kirkconnell Intl. Airport BE R T

ST

L A N NE

RD

RD RO

CH

H

C

R N D

C

Cedar Point M A RS O

Wilfr e

SO

RO

Ma

SI

D

E

Le Soleil d’Or

e Driv

D

Dr

S

TU

TI

Don

y Ba

ST

d tR on Fr

AK

E

Y

ID H S

W

AT

ve Dri ald

AD E RO

EA ST

ha

NG

ff R Blu

P

N

N

So

d oa

st We

C

IS

LA

RD

Bat Cave

E

K

m

E

R

D

FO

S

T

Bamboo Bay E

A

R

North East Bay

E

R

RO

AD

r eD s on est Cre m ver Li Plo

or

Coa st

RT

H

ST

B

d

M

a

C

ale Ln Swingd

SP O T

Sandy Pond

Ro a

in

idge Dr Ocean R

onald Drive jor D Ma

BAY

RD

Spot Bay

Goat Bay

O

M an

U

R

t

E

A

S

T

Dr

20 MILES

TU

RN

Hawksbill Bay

AD E RO

ha

NG

P

LA

E

R

Little Cayman & Cayman Brac Deep Well

EA ST

E

K

m

E

D

r dD

S Pl

nal Do

N

Tom J

jor Ma

North East Point

C

The Blow Holes

W

AT

I ER

Pollard Bay

na Do jor Ma

TI

ive Dr ld

The

S

National Trust Parrot Reserve

D

40 KILOMETRES

rive

Brig S

h Dr Beac Ave Coral Ave Cliff

ive Dr

Lighthouse H Tibbetts Turn

ald

A

R

North East Bay

R Little Cayman Brac OutlookD

La Esperanza

on or D M aj

Bobby Point

Cat Head BayS O U T H S I D

E

ar D OW

ID

el

OA BIGH T R

rive ld D D ona A or D O

S

M aj

TH

Blue Silk Dr

S

nn

East Point Point of Sand

a Ch

Cayman Brac TheHouse Bight Heritage

EA

RD AY

G uy Banks Road

Spotland Plantations

nal Do

O

r th

Muddy Foots

No

Snipe Point

Tom Jennett’sSea Feather Bay Bay

Maj

r dD

Rosetta Flats

N

oad v nport R e

Easterly Ponds

Charles Bight Pond

Deep Well D OA Cedar Point HawksbillI DE R SO U T H S

UT

Bay

SO

d

AD

Rd

RO

e B ay Blu ff

BA

R er st Fo

or Maj

National Trust Parrot Reserve

e ak St

H

I ER

Half Way Ground

RN

La Esperanza

Deadman’s Point

South East Bay

ld ona or D

AarDDrive Rn O OW

Sea Feather H Bay AD H UT

The Alexander Hotel

r Rd Dantzle

Brac Caribbean Condos Carib Sands Condos

E Sir Charles Kirkconnell ID S O UAirport TH S Intl. BE R T

Bat Cave

R D H

EN

Brac Reef South East BayDick Sesinger’s Le Soleil d’OrBeach Resort Bay

A W F OR D

Dr

B

e Ave Mari Blvd Bluff Ave and Bertr Ave rie Vale

E

CR

ST

EN

CR

na gia or

R

EE

Rebeccas Cave

R

Y

AD

ecc as Rebve Rd Ca

R

West End H AD RO Point

d sR He i ght

ST

CK

WE

R E

AD

T W

RO

N

GER AD

ATM

DS AR

T

st We

N

AV

Rebeccas Cave West End

O

SS

TT

O

H

O

C

IT

C

D

d oa

O

A

RO

Rd Thatch

Dr na gia or

M/V Captain Keith Tibbetts

White Bay

A RO

ST

West End

Rd

B

WE

O

TT

ff R Blu

C

So

M

EE

Y

tery me Ce

R

AD

Rd

RO

d sR He i ght

A

Y

e B ay Blu ff

BA

l ta as ay W

M/V Captain Keith Tibbetts

AD

E AK

RO

M aj

Cayman Brac Museum

t

h Dr Beac l Ave Cora Ave Cliff

Tibbetts Turn OA BIGH T R

Brig S

Stake Bay

Blue Silk Dr

CK E

AD

RO

ST

d tR on Fr

ak St

White Bay

y Ba

conKirk St nel

RO

e ak St

T

Cotton Tree Bay

S

AD

D RIV

RO

Stake Bay d

FO

RO

A S H T O N R EID

rR ste Fo

IS

R

idge Dr Ocean R

The Bight

ak St

Cayman Brac Museum

rL nde Won

Deadman’s Point

N

Dr er pip nd Sa

Cotton Tree Bay

2

N

E

r eD s on est Cre m ver Li Plo

Bamboo Bay Co

onKirkc St nel

Miles

Half Way Ground

A

r te D Friga

1

4

RO

el

CHARLES BIGHT

CAYMAN BRAC

Wearis Bay

S

Sandy Pond D

C

East Point Point of Sand

Dr

2

n

Tarpon Lake

K

M ale Ln Swingd

Ln Surf

1/4 1/2

1

Kilometres

Sunset Cove

H

CHARLES BIGHT

GU Y

BAN

G uy Banks Road

Muddy Foots

d

Dr a rd Seaw

nshine D riv Su e

West End Point

Museum

Museum

Acorn Publishing

SOUTH HOLE SOUND

Ln

Owen Island

G

o eb az

Little Cayman Beach Resort el Little Cayman

n an Ch

R

Rosetta Flats

Easterly Ponds

Charles Bight Pond

Ro a

n ai

Acorn Publishing

ford San

el Little Cayman

M

n ai

r

C

I

Sparrowhawk Hill

oas t

el

Mary’s Bay

nn

a Ch

el

nn

Ch a

nn

y’ sC ha

oad sR tte

nn

Little Cayman Beach Resort

l Vi

H

IV

D A

L

RO

Conch Club The Club

C

S

Pond

Nod R o a r th C

Snipe Point N o r t h C oa st

d port Roa en

Cork Landing

v

Crawl Bay el

nn

Ch a

ay

ar

rl o

a Ch

Head O’ Bay

C

Booby Pond

Head O’ Bay

BAN

K

O

Jackson’s Pond

Acorn Publishing

CCMI

el

nn

y’ sC ha

Mary’s Bay GrapeCTree Bay Crawl hann el Bay GrapeTree

ay

ar

g

Bi

lB

M

C

n

r

Acorn Publishing

uthern oss Club

H

Wearis NationalBay Trust House

Acorn Publishing

Southern Cross Club

GU Y

o ad Jackson’s N o r t h C oa st R

Cork LandingBay

SOUTH HOLE Pirates Point N K S R OA ATM G U Y BA D SOUND H C West Owen Booby End Point Paradise Villas Island Pond C nal H Preston ouse C Blossom C Conch Club Bay Village H The Club

Jackson’s Bay

Jackson’s Point

Grape Tree Bay

nn

Ch a

el Jackson’s Point

Bi g

lB

Cr aw

LITTLE CAYMAN LITTLE CAYMAN

D la ge

M

E

tL ane

ha le

tL ane

ha le

Cr aw

Rd

Ge

Dr er pip nd Sa

D

s Land

d En

ds Dr

l ta as ay W

E

Ge

u Tat

Co

D RIV

D

nn

Road

A S H T O N R EID

D

r te D Friga

g bi rd Dr

Dr

n

K

Ln

nshine D riv Su e

ds Dr

I

Dr

TT

K

E

ord

S ur f

nd Lege

E

IV

er L Wond

f San

B BE

N

DR

Dr

a rd Seaw

E

d an Isl tle Lit

ad

Rd

D

K

d oad sR tte

g bi rd Dr

I

En

rl o

n

K E

C

E IV

C

SISTER ISLANDS

N DR

TT

Ambia nce Road

s Land

nd Lege

Da

C

Da

u Tat

B BE

Ambia nce Road

nn

Road


C

C

OR

Rd

Cre scent

Hell

Gli d

de n L n

ent Cresc Close

Cap t All ies Rd J effe U nc rso J im n mle y Ln Lan es

Dr Sky Way Eureka

1/2

1

FIN

Billy

n Dr

Ba

rne

Ca p Curr t ys Roa d

R B L AE V E CK RE M N Ma AN D nd er s on Ro D a d

tt C l

D R I VE

Acorn Publishing

ans o

ank Velm a B

s Dr

CH

J osephs Dr

Boltin Ave s

h Av e

EL L R D

Topaz Lane

H

Clos e

t m as Fore

T HWEST POINT ROAD

a nk R s

Calame Dr i o P nciana Ln s u e Ficlos C

dale ano l se

IN

RD

l nsa t Bo scen er Cre

gy

Eliza be

S and

W

t h St

ATM

LE

na R d

e ev Dr n ip Cl

Bro k c

B

purgeon C

Acorn Publishing

WEST BAY

B

Jackson Pond

A AT

t

ES

T

B

A

Y

R

O

A

D

Po w

il ra

Po

Bro Araun ah Ln

U

D

d Bob R

orelink Ter Sh

a ysho

re Dr

Shorescape L

e Dr

Dolphin Cove

The Shores

D

s La as is Br ive Dr

Garvin Park

t Y ach

sT ra il

ind

Shorew i n Tra i l

Sh or ew

Barkers National Park

Pt

Shore lin

Shoreview

B

©Acorn Publishing Co Ltd 2017

White Sands C

Heritage Club C

s

Radie Ln

ni

A Y T IB B E T TS HIG H W The Renaissance C

tte

do A

Cres

Po

Villas

Vulg s unn ner Dr iv er s lgun e Vu nd Lyn e

NO BA

Ln

eH ill Rd

Glade Dr

Rai nbow Ln

Shangri-La B&B

Plaza Del Sol

A AS

R

Chevy St

e Mea dow Av

W

Cemetery Beach C Sea Breeze Drifters Cove C Silver Sands C Aqua Bay Club C The Palms C C Rd The Discovery Point Club sh ar The Christopher Columbus C M C The Anchorage C Commonwealth London House C

Ro ad

Ja cq ue s ot

Sc

Fosters Food Fair Republix

Bog

Cres

Simon

Batabano T Plaza

Centennial Towers

ATM

rs

a ol ch Dr

Garsto S

Ed Bush Stadium

se

Dr Park V ie w Cres

Ja de

res

Kittiwake

West Bay Public Beach

i rr Fa

Aurora Dr Cr e s t R Boreal St

Ma

d Banke r’ s R

d Osbert R d an oe p Ca ts J

H

Cl

ri

TE

1/4 Miles

A

Knoll s

BO

A TSW

AY

e

se Gor e Lan

ble Bram

Rd

C

C

N C H P O I N Pappagallo T R D

ES E RL

1/8

I nv

aD

e

n t or en kh c El res C r

v ent

Kilometres 1/2

N

r

Bona

Dr

Cayman Motor Museum

Du x i es La ne

S B

hi

Ln

Cobalt Coast

An

sen d re

Ln

CO

OA

1/4

Bonnies Arch

Lighthouse Point

Cayman Turtle Centre

Dolphin Discovery

C

ar

dst

Coconut Bay

D

Hill C

Turtle Reef

i ct

I nv ict a

nlo

WA T

Win

Malwinas Way

AD

RO

Ln

s Daisy

OUR S E E R C

King Rd rt Fou

st l T

D IN R

TA RD

TOWN HA LL

rl d

Rosett Clo

H

Ln

to n

ng

F OU N

Cind

Smit h Rd Powell

RC ST

RCH

MT

ON

BI

S TA DIUM D R

W

Eb

IL

ur

d

L

l

G Bo e ne dde vi

R

ES T CHU

ea n

Ln Ca

bb Vibe Ln

P

I E F A RR I NG

Viewpoint

Leo

PA RSO N

I N A LD

Ln Spanish Lane

C

T N

T R E E HI L L RD Dr Phill Ce ery met Rd - Both well

ith

S

n Sm

Dr

e ffe y To Stick

R

Hillard Dr

Dr

R S D

A PT

RD

ery R d

sT Shorewind

EG ah Cl

Du

Dr

nc le

B in Rd

e

r

U p Th

Garv

riv

» d s

CAYMANRESIDENT 2018

pD

lle vi Bonne

d Dr

t psai l S To nt

Mis

10 ry we Rd

n

Orc hi

Conch Pointe

Vi

D

el

ar M

Y acht

a st

EK RE TC L SA

Sea Pond

Ir o re ho ns ive Dr D rive

W EI S LT ABNADY MMAAPPS

Cayman Islands Yacht Club

West Bay

ES

Y

TE RL


C H C

Villas of the Galleon Ritz-Carlton Coralstone Club

C H

The Meridian Caribbean Club

Casa Caribe C The Islands Club C The Colonial Club C

C

Beachcomber

Water’s Edge C

H

Governors Square Westin Hotel

Lizar d Run Dr.

WE

ST

BAY ROA D

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

Drive

E

EY T I B B E T T

rs le at W

Dr uail

S no oze Ln

George Town Villas C Ma rb el Dr Grape Tree C Coco Plum C Queen’s Slate Dr Poinsetta C Court Helen

ESTER L

wL ado Sh

n

»

S e ruc Sp

11

ad Ro Cou rts

Canal Point Dr

J ennifer Dr

Britannia Drive

Andrew Dr

Lin c

oln Dr

H

Holida

Safehaven Port Authority M

Cres

epy Hollow D Sle r

Acorn Publishing

Crystal Harbour

rd fo er y at W Q ua t a ar cc y Ba Q ua

a os m ay Q u

ay Q u

North Sound Club

Camana Bay

Cayman International School

Mi

ula

Crighton Dr

Pe

s nin

Turnberry Drive

Canal Point

r nD

Palm Heights Driv e

Britannia Drive

r is Ave So la

R

S a fe

ton D r

Strand Shopping Centre Caribbean Plaza

Market St

Royal Palms Seagull C Forum Ln Cayman Reef Resort C West Shore Center Nex u Laguna Del Mar C D BL V Regal Beach Club C q Har Marriott H Marquee Comfort Suites H Plaza Seven Mile Beach Resort H F.J. Harquail C South Bay Cultural Centre C Tamarind Bay C Plantation Village National Gallery C Crescent Point Sunset Cove C Parkland Kinty e H r Margaritaville Resort Close Seven Mile Shops The Grandview C Par kway Dr

Galleria Plaza

Cayman Club C

Ritz Carl

Coconut Place

Snug Harbour

Earth Cl

Park Place

H

Pinehu rst

Park

Regatta

MITCHELLS CREEK

Ave Bay

ay Galw y Q ua ay aQ u Hoy uay mQ Dau

GOVERNORS CREEK

Cost-U-Less

Sunshine Suites

H

Tree

Q uay

uay on Q Nels e k Dra y Q ua uay kQ Coo

oe J ellic

ellan Mag y Q ua

Cayman Falls

Lime

CITA Visitor’s Centre

Trafalgar Square

C

Governor’s Residence

Governor’s Beach

Pinnacle

Plantana C

Avalon C Great House C

C

H

Crazy Mini Golf Grand Cayman Beach Suites H Buckingham Square WaterColours C C Lacovia

SEVEN MILE BEACH

Harbour Heights

Kimpton Seafire Resort Calico Jacks Public Beach

Q uay

ce Prin uay Q rles Cha llan Mage a ay u Q Av llan e Mage e Driv

h Raleig

ay sW

Dr

Victoria Lane

Tiki Beach

Dr

Stewart Lane

d

ha ve

D Newhaven Q uay

ROA Accent Q uay

B AY EST Dakota Q uay

Y e Emerald Lane

W la Av Calico Q uay

TS su Penin

WA l aC Banana Q uay

n rdi Sa

er

T BE Dr

su l

HIG H Dr

Sa fe h aven

Y LE TIB in Pen

l ta ys Cr

Minerva Dr

AS

NO


B

A

Y

R

D

riv

e

Y t Y ach

D

Cayman Islands Yacht Club

D rive

Heritage Club C

a

st

Vi

ar

M

re ho ns ive Dr

A

s La as is Br ive Dr

el

D

Ir o

O

The Renaissan Renaissance C

d Dr

T

IGH W A HI S H

E CR LT A S

Orc hi

ES

lub C Aqua Bay Club The Palms alms C C Rd Discovery Point nt Club sh ar Christopher Columbus C M C he Anchorage The C Commonwealth London House C

Y acht

ES

White Sands C

TE EY

in Pen

TIB

ce Prin uay Q rles Cha llan Mage a u Q ay Av llan e Mage e Driv ellan Mag y Q ua

BE

H

TT

a os m ay Q u

S

Kimpton Seafire Resort Calico Jacks Public Beach

Coo

Tree

Canal Point

Snug Harbour

Crazy Mini Golf Grand Cayman Beach Suites H Buckingham Square WaterColours C C Lacovia

Emerald Lane

Palm Heights Driv e

Britannia Drive

Banana Q uay

H

Casa Caribe C C The Islands Club The Colonial Club C

Canal Point Dr

Victoria Lane

Strand Shopping Centre Caribbean Plaza

Calico Q uay

Coconut Place

C

Caribbean Club

Safehaven Port Authority Marina

Dr

Dakota Q uay

Earth Cl

C

The Meridian

Turnberry Drive

Accent Q uay

Beachcomber

S a fe

Ritz Carl ton

Park Place

C

Stewart Lane

ISLAND MAPS SEVEN MILE BEACH MAP

C

Water’s Edge

r nD

H

H

Coralstone Club

R

ha ve

Pinehu rst

d

Park

Newhaven Q uay

Ritz-Carlton

North Sound Club

Regatta

Sunshine Suites

C

J ennifer Dr Andrew Dr

Britannia Drive

1/4

Lizar d Run Dr. C

Cayman Club

Holiday Inn Resort

Dr

MITCHELLS CREEK

Ave Bay

H

Villas of the Galleon

H

Crighton Dr

Cost-U-Less

Cayman Falls

H

d for er y at W Q ua t a ar cc y Ba Q ua

Dr

Governors Square Westin Hotel

uay kQ

l aC

Lime

n rdi Sa

Governor’s Residence

ke Dra y Q ua

e

C

Pinnacle Governor’s Beach

ay aQ u Hoy uay mQ Dau

N

Y

CITA Visitor’s Centre

Plantana C

uay nQ elso

Av sula Penin

Avalon C Great House C

ay Galw y Q ua

ay eQ u

o J ellic

WA

D ROA AY ST B

Trafalgar Square

Crystal Harbour

Mi

l ta ys Cr

HIG H

WE

C

Harbour Heights

SEVEN MILE BEACH

Pe

GOVERNORS CREEK

su l

Tiki Beach

ay Q u

ula

s nin

Sa fe h aven

RL

ay hQ u

Raleig

Kilometres 1/2

1/8

Galleria Plaza Market St

r is Ave So la

1/2

Camana Bay

ay sW

Royal Palms Seagull C Forum Ln Cayman Reef Resort C West Shore Center Nex u Laguna Del Mar C D BL V Regal Beach Club C q Har Marriott H Marquee Comfort Suites H Plaza Seven Mile Beach Resort H F.J. Harquail C South Bay Cultural Centre C Tamarind Bay C Plantation Village National Gallery C Crescent Point Sunset Cove C Parkland Kinty e H r Margaritaville Resort Close Seven Mile Shops The Grandview C Par kway Dr

1/4 Miles

1

EY T I B B E T T

Dr

S

rs le at W

AS

od Dr rwo

s Barne Drive

CUC Power Plant

Dr

he

Se y

Kennedy Dr Greenwood Dr

Cayman Spirits Co. Distillery S

d

EN

r ake D

A

n

CH

»V

Cres

Cl Woodpe cker Woodl

N

CAYMANRESIDENT 2018

R

Kirk Market

oln Dr

ky ’ s Spar

TE

NO R T H

n eL ruc Sp

E

Lin c

ad Ro Cou rts

ncas ter

ow L ad Sh

epy Hollow D Sle r

La

BAY ROA D

Drive

Acorn P u bl i shing

Barcadere Marina

©Acorn Publishing Co Ltd 2017

ESTER L

ST

Dr

Minerva Dr

Dr uail

WE

S no oze Ln

George Town Villas C Ma rb el Dr Grape Tree C Coco Plum C Queen’s Slate Dr Poinsetta C Court Helen

12

Cayman International School


Luxury has a new home.

World-class contemporary living on Grand Cayman’s Seven Mile Beach. One to four bedroom residences priced from US$1.5 Million. +1.345.640.7000

seafireresidencescayman.com

Âť

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

13


hela n

CH

Cla y to

ST

Fou r

en

Ech Point S o St t Mox a m Rd Denh am T homp son Way ndalw ood Cr e

n

Sa Th

m ge

ette Ave

Webster' s Dr

ve eA

e ir rC San Sebastian

South Sound Community Centre

South Sound

na Vi en

Ithmar Ci

Sand Cay

d nR aw irl Fa

BANKS RD FAIR

ry

Rugby Club

D

Industrial

St

O

AD

GA

RD

CR

E RO AD

Cl Music

EW

B O WE N R O

TE

n

UT

H

in nk Ra

Dr

la Ve

x Ro alifa

SO

Red Bay Dock

Acorn P ublishing

Barcadere Marina

Bowie Cl Ln Crocket

ve ale A

S Owen Roberts International Airport

ERT

VE

r Alamo D brook Cr anD r

RD P I E R S O N H IG H W A Y FO

Gra ce

DO

ATM

Dr

N LI

D R

CUC Power Plant

Tennis AD Club RO D es r Squash N C U Club onny B SO ne An

Cl n mont

s h ur nd Ly

d Cre Rea

Fern Circle

le Circ

gray Dr

l wy C

Triple C Sch.

Cayman Prep Primary Sch er Blvd

Rd

new all D r

AD

Cricket Pitch

Fosters Food Fair Jacques Scott

Gle

Sto

O

Place

Portland R d

t a y u ga

ay W es n g A r de sa Cru y Wa

Field of Dreams

Lantana Way

Leguinea

Truman Bodden Sports Complex

R

E

s Barne Drive

OR T H S O U NCannon

rcial

od Dr rwo

Cres

y Wa y’ s nd a R

SOUTH SOUND

L

ac eg

Dr

1/8

Is l e W a

1/4 Miles

Kilometres 1/2 1/2

1

Duke Way

Pr

nt Road

ST

Prospec Point

oi

EA

Red B

Prospect Playhous

Admiral’ Landing

Parrot Av e

y Lords Wa

Red Bay Estates

S HAM ROCK R OA D

Gra nd

Grand Harbour

Grand Harbour Plaza & Hurley’s Supermarket

1/4

ATM

Lions Centre

y

s Rd den

Ln ettia Poins s Ln cu is Hib Tranq uil n Ln Croto Way ane ado L s Avoc a Cre n a c i p o Tr

rel Dr

Cayman C Caym an Islands Sailing Club

P ect osp Pr

St in

D Te m W pe Tem ay st wo ple An od St ax Oak irf Fa ay W t nd S J ul y S t ak O

Circle

Dr

Ed

H

ATM

Dr

A cord Con

Mulberr yD r

ic Oly m p

W ay St Ignatius Catholic Sch John Gray High School ACADEMY R WAY ATION D ASPIR s lm a rP ve es Sil Cr

Admin

he

Cayman Spirits Co. Distillery

pass

nD r

Hollo w

incM SAP G E OI S R LGAE NTLDO W NPM olA

e Sle

r ir D

Be b Clo ee se

IT

Pasadora Place

SM

C.I. Hospital Dr The Pines r

EN

y Wa

A.L. Thompson’s

S

nd ou

GEORGE D TOWN Cricket Square Gov.

H

ED D

Stadium

Eclipse DPlaza r Annex

Rankin’s

G . N IX O N

E LG IN A VEN U

NS T

DR ROY ’ S DR

Cl dl Woo

Kennedy Dr Greenwood Dr Washi ngton St Rd

Woodpe cker

Fa

Antoin

d le R Ho Scho o l Rd

AR Y S T

FORT S

M

E

Mill St

Further Education Cayman Prep & High School

Eden Centre UCCI Plaza

R

k

U

Dolphin Centre

EN

Kirk Home Centre

Bodden R d

Kirk Market

V

ad Ro Cou rts

utpos O St

Thompson D r

arw Dr ick

Map le R d Ket ura hS t New por t St

Z eeda h

E

rs le at W

CARDINALL MA I

W W Pain dso H illiams r k R r awkin Dr d There s Dr Ea sa Dr st B lv d r D r e C o em

Av e

n

ry M D er r re

le

El

ac

m

M el

Par Cir son’ cl e s Me m Av oria l e

Eden Rock

Bayshore Mall

Cl Pe b Gle W bles n ay

UR w irvie

Smith Barcadere

H

CH

Ed

Dart Family Park National Trust Visitor Centre

Sunset House

Port Authority

HOG STY BAY National Museum

H

P

Chrissie Tomlinson Memorial Hospital Doctors Hospital

Fish Market

Royal Watler ATM Cruise Terminal

WAL K ERS ROAD

UT

Rd

s

HARB O U

Gw en Way t t

SO ch Con

W ay

S Temp leton t

Cres

Dr

T

S

Ro Diaz Ln c T

LR D

McF i e ld Ln

S

Pad tondingLn

Co m Dr

N

R C Y D RIVE

Ashgo

Gre ohn

ITA SP HO

y

ho n

Rd

Pon d

Sor

ve

Palm e D ale Av

Hi nd s

s

la

d le R Hope Dr

Boilers Rd

Pine Ella Mae Gardens Me lody Ln

na Ru

Printer Way

RD

W

d Mid

ay Edge W ater W

FAIRBANK S

N ORTH SOUND R D

RU TH S O S EL MA L S AV E

Comme Ave

ncas ter

do n

Macl en

t Ave

» Av e Birch Wood Rd

H

Gorin g

AVE DAH HU L BOBBY THOMPSON WAY

Alto W ay

ezy Bre way Belmont Cl

Dr ster Davi d Fo

DRI Ryan Rd

CAYMANRESIDENT 2018 D

RC H ST Windfern Cl

Gresscott Ln

R

O

A Palm

C HU r To W Cl

Grackle Rd Rd

E

Bimini D r

r

NO R T H A ze

R ay W

t

N on

n Dr Mistrel

our R d Se y m

r Be d ar

J

14 T

ER n L Wre Canal Ln

r ake D r dD bir l Gar

r ky ’ s D Spar ding

ad

Ln ation Carn

ve

n eL ruc Sp S

Br

n

ow L ad Sh

AS La

TS g Kin Lan

ca

Selkirk Drive

Tr op i

tts

y

Sco

Abbey Way

Ma

dsttock Road ods oo Wo W

we Rd O ld Cre

Succes Cir

A Bel

s

nu e

t Dr Lakef r on

REET

©Acorn Publishing Co Ltd 2017


»

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

15


a

d our

ircle

Cre

Dr

ATM

l efu ac Pe

Dr

Tennis Club

Passage Ln

Island

St

UT

WE S

T RD

Brewery

TE

RD

WE

Cl Music

CR E

S Owen Roberts

1/4

1/8

1/4 Miles

Bowie Cl Ln Crocket 1/2

Kilometres 1/2

in nk Ra

Dr

St

Bonnie View Ave Westwood Dr

Prospect ela ParkV

Hickory Dr

Morningside Dr

SO

Av e

Or an ge

Gr ap e

U

ND

r

ChinaBerry Dr

Om e

Bamboo St

RO

Av e

Prospect Primary

ks

ric

t Pa

Football Pitch

AD

ria

Rosemary St

Domino St

Satinwood St Mahoe St Al m on d Av e

D

hey Cres

J ump Link

e

u en Av

Omega Bay Estates

Bonnie View Estates

oard Cl

lifax Ro

a House Harbour Marina

Patrick’s Island

Pa

ve Raven A

Spotts Cruise Terminal

Su nb l

Dr re

dr o ck

SH AM R

c ga Le

rd St

C r es St ow Sparr

D OA

le St Nightinga

Spotts Public Beach

O CK R

Spotts

ot

w do d ea R M rk la

Candover

f isher St

Cl

Foye St

Archie St J ames St Arnold Av e Hazel St

r

y

Cres

l

Hurley’s Supermarket

y

Duke

St

evonshire Dr

Nathan Merren Dr

ICCI

Montrose Way Tridelphia Way Colesville Way

Farrel

Gloria

Dr

y Cir

Ago u ti Lk

Astr al

Ho

Sa n

so di

d tea me s

s

n

EA

ity ar Ch

le

Shopping Village

Ln

Av e

y

o Ca

Rd

Pedro’s Castle

A

T RD

Cayman Islands Brewery

WE S

Lot t ery

Rd

Vigoro Nursery

St

Prospect Park

Hickory Dr

r

Av e

Northward

Prospect Primary

s ck i tr Pa

Football Pitch

CK RO AD

Av e

ria

Rosemary St

RO

Beach Bay

AM

D

SH

Av e

ray Dr Sea Sp

Lower Valley

Ex plore Way

e

Gr ap

Or an ge

Om e

ChinaBerry Dr

Bamboo St

Satinwood St Mahoe St

Al m on d

hey Cres

J ump Link

ue en Av

Whirlwind Dr

Omega Bay Estates

Domino St

Bonnie View Ave Westwood Dr

oard Cl

Harbour House Marina

Bonnie View Estates

Morningside Dr

Dept. of Agriculture Market at the Grounds

Damsel Cl

Great Pedro Point

Prospect Point Countryside Ja ys

Cl

Prospect o i t Road n

ST

A cor n P ubl i shing

Dr

Captains Court

Red Bay Rd

Prospect Playhouse

ful ace Pe

Passage Ln

Island

Admiral’s Landing

ve le A eda Lov Dr to ve Pin nA dde Bo e Av J im ter wa r e a Av Cle st rve Ha ve tt A t o S ic Ell al en Gr

dr Pe

Little Pedro Point

Ma y

a Dr

SAVANNAH

Ranch Rd

Luke s Dr Forbe

Kimera W ay

Way

Parrot Av e

Estates

North ay LSound ords W

Red Bay Estates

Ann St Debbie St Nancy St Brenda St Kelli St Reef St Mervin St Sun Green St Rose St

Faye St

Ten Foot

Eldo S HAM n St ROCK R OA Keysto n D Rd

Governor Michael Gore Bird Sanctuary

S

ak

erberry Dr

Wh ites an d

Grand Harbour Shopping Centre

Riley Cir

Leonce Rd

Candlewood D r ld

St

Moo rhen Ln

Graal Palm Roy n r d IDs l eWaW ter a

Champs Fleu r Dr

Jackson Wall

Newlands

Ta

Island Dr

Harbour

DUCK POND BIGHT NEWLANDS GrandBARCADERE

Duck Pond Cay

Cayman Islands Sailing Club

Gregory St J ackie St Pepi St Panton Gr Dugan apeSt St seed St HurlMe adowlands Dr Nadine St stone W at Kitty Ln Cun St er S n t PeckWhispering ham ingBayfi S wood St Soutt Waters Way hward Mi Dr Hopefield Dr

Lions Centre

y

Dr

s Rd den

Ln ettia Poins s Ln u c is Hib Tranq uil n Ln Croto Way ne do La s Avoca e r C a n Tropica

rel Dr

EA S T W ES T BYPA S

A cor n P u bl i shing

SOUTH SOUND

ape dsc ou Cl es tz Cr ar s u e Q Cr

1

ve ale A

International Airport

ERT

ROAD

B O WE N R O

VE

A cor n P u bl i shing

ISLAND MAPS R E D B AY T O L O W E R VA L L E Y

ve

©Acorn Publishing Co Ltd 2017

Prospect Point

Prospect oi nt Road

ST

Rd

O Islands SCayman

d Ba y

s Squash CaptainsCre y Prospect Club Court nn Playhousee Bo nn RA H e

EA

GA

RD PI E R S O N HIG HWAY

Cl

FO

Gra ce

DO

N LI

Admiral’s Landing

Rugby Club

Way

Parrot Av e

y Lords Wa

Duke

d Rea ry

l nt C

n mo Cayman Islands Sailing Club

Red Bay Estates

CK RO AD

aza rket

h ur nd Ly

s

Fosters Food Fair Jacques Scott

t Ave

NORTH SOUND RD

ricket itch

Industrial

Sum m

s

do n

NORTH SOUND

Portland R d

D

Bay Islan d Ave

Place

it Cre s

ct Dr

Ave Prospe

Victor y

Holly Drive

Marin a Dr Pa rt y Ln

H

Marina Dr

Pro sp ect Dr

ad

ga Dr

t a y u ga

Am

AV E

N

D RIVE

RCY

ezy Bre way

Trop Buckb

De vo nR d

Bu tto nw Log ood wo Av od e Bi Wa y Ma rch A ho gan ve Ma yW ng rov ay eA ve

Whirlwind Dr St

ity

Macl en

Admiral’ s ve A

Alto W ay

n

Adven ture St

D Palm

O

Rocksh i

y

Ma

Canyo n Daw n Dr

Belmont Cl

Dr ster Davi d Fo

DRI Ryan Rd

Mallard Dr Casca de Dr

Windfern Cl

Sor

l Gar

Cl

Mistrel Canal Ln C ir Soto Ln

Bay Island Ave

D R

J asmin Ln

r po n

Rodeo Cl

ca St

Leewar d Dr

Trop Buckb

OR T H S O U NCannon

Blue bi

Dr

e am

on b

Mo

e Wi llow D

L

Hill

Col l ege C

Tr op i Q u ail

Teal Island Dr R ackle yB lvd

Lar v

St

Bright s ide

Marina Dr Pro sp ect Dr

ga Dr

Comm Ave

P ect osp Pr Hone

Vision St

A ve

Admiral’ s

St y

Trin ity B lvd e Arle St ne A ve Y ell ow s to ne S t Fait h v A e Flee t Av e Kim ber l

Butt erfl

D

Tucker m ans Ln Sp rin gs Cl

s

Wa y

Poindex ter R d

Coo l

Midsummer Dr

d

Dr Bu

Flinsto

dy ’s

Litigate Crt

Bouga inv ille a

k ingbi r d

W ay

Sp King ds Rd wla n Ne ts

Wh ist lin g

d Woodstock Roa Mo c

r ell D kw

W ay

Bimini D r

r ide D Lakes Anchorage Ave

as

Seasi de W ay

Dr C e ia Av nsylvan Pen y St Blueja

Gala x yW ay

Rd Chime St

Cl et Mill

W ay

ch Con cy Dr

e Av

on

ro u

Sib e

Ole an de rD r

Abbey Way nd Isla lm

D

n sti De

dy G

Timberland Cl

Selkirk Drive Win

P ect osp Pr

Dr

r ir D ept dsw ah nn va Sa

tton Dr e Su Cr rry E She

Palm e D ale Av k kL ruc r rst dD Sta she Dr ter ot cel Wa Lan

C res

Succes Cir RO A

n tia ris r Ch ry D Ave ng r Be stor r Arm sD el ni a D

nd Dr We st Ln

we Rd O ld Cre Democr a

r dD lan od Wo

Cadet Dr

Holly Drive

ect D r

it Cr es Sum m

Victor

er

y Ave Prosp

na k

Marin a Dr Pa rt y Ln

Spi n

A Bel E

Disco ver D rive

A cord y gh Con oua Rox borW ’s dy n Ra Hemlock Way

d Country R

W ill

ay Edge W ater W

TR oa d

Gle

Bu t t on wo L o o g d wo Av od e Bir Wa ch y M a A ho ga ve M n a y ng Wa rov y eA ve

r de sa Cru y a W Dr lton r aD Rin

RST

Agricola Dr

Bea ch

»

De vo nR d

ay W es A gn eld Cre

HI

THW A R

R

O

Bay Roa d

CAYMANRESIDENT 2018

Printer Way

St

16 ity

r To W

Am

E

Ella Mae Gardens Me lody Ln s Cl

Mallard Dr Casca de Dr

R r Alamo D brook Cr anD r

Birch Wood Rd Rd

Pa

Patrick’s Island

ape dsc ou Cl es r z t C ar s Q u re C

Adven ture St

Rd

rd

Bimini D r

r

Su nb l

Canyo n Daw n Dr

Br

o

e nz

na

ay W Ocean Dr

Wi ndward

Rocksh i

ad

Woodstock Ro

Cir

d Ln ation Carn

ve

rR

r Be

Dr

Selkirk Drive

Poindex ter R d

ne

n L Wre Rd Dr side Lake Anchorage Ave

Dr

d bir ng

Dr

Abbey Way

R

sL

er

nd Isla lm

NO

ugh Rox boro Sib e

s

cott ing and

na k

Cir

Spi n

Dr

Red Bay, Prospect, Savannah, Newlands & Lower Valley

ept dsw Win

Midsummer Dr

AD

D

st

Buena Vista Dr

Coral Stone Way

Be

aze Dr


2018 Contributors people who have helped with this issue of the Cayman Resident Mark Yaxley

Andre Ebanks

Mark wrote our ‘Investing in Precious

Andre shared with us the new business

Metals & Storage’ article in the Investing

regulations and the Foundation Company

in Cayman chapter.

Law for our Business & Global Financial

Mark is the General Manager of Strategic

chapters.

Wealth

fully-

Andre is the Senior Legislative Policy Advisor

integrated offshore precious metals dealer

in the Dept of Financial Services Policy and

and storage facility in Grand Cayman.

Legislation, with the Ministry of Financial

Preservation

(SWP),

a

Beginning his career with world-renowned metals dealer Kitco Metals in

Services and Home Affairs. Prior to this role, he was an associate and member

2006, Mark now shares his expertise with SWP, focusing on the growing

of the Investment Funds Practice Group of Walkers (Cayman), where he

demand for offshore metal storage and the geo-diversification of hard assets.

specialised in investment fund formation, restructurings and liquidation.

Chevala Burke

Paul Young Paul provided research on Cayman’s ever

related to the Sister Islands in the Cayman

expanding real estate market and all the

Resident and Explore Cayman magazines.

new projects on the horizon.

Chevala is the Marketing and Promotions

Paul is a full-time residential and commercial

Manager for District Administration and

real estate broker and the owner of Prime

works from her office in Cayman Brac.

Locations Cayman. As a past student of New

Chevala’s passion for tourism and customer

Urbanism at the University of Miami School of Architecture, Paul believes “every

service has led her to serve as an ambassador for Cayman Brac and Little

hurdle cleared leads to the next challenge.” Specialising in the luxury real estate

Cayman for many years and she also enjoys educating audiences of all ages

market in Cayman, Paul’s developer-based sales include those for Dart Realty

about Cayman’s Sister Islands.

and The Ritz-Carlton.

Matthew Yates

Nick Joseph

Matthew advised us on the legal changes

Over the years Nick has written, added to and

to the business and financial laws.

updated our Immigration chapter - all of it!

Matthew is the Strategic Communications

With a BA in Psychology and Languages, and

Officer for the Cayman Islands Ministry of

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

Financial Services and Home Affairs. He has

Cayman Islands Attorney at Law in 1997. Today

played an integral role in the communications

he is a partner at HSM Chambers and a leader

activities of the Ministry, including media campaigns on the commencement of

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

legislation such as the suite of intellectual property laws relating to copyrights,

and employment matters relating to the establishment of residence and

trademarks and design rights; and the Non-Profit Organisations Law.

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

Previously, he was a photojournalist at the Cayman Compass.

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

Jennifer Powell

Jeremy Hurst

Jennifer helped write about Cayman’s

Jeremy wrote the ‘Commercial Office

active property rental market for the

Space’ section in our Running a Business

Finding a Home chapter.

chapter.

Jennifer is a Cayman-based real estate

Jeremy has a BSc (Hons) degree in Land

agent specialising in sales, rentals and

Studies and relocated to Cayman in 1987.

property management as a member of

A well-known real estate analyst, Jeremy

team Property Cayman within one of

owns and operates the IRG group of companies which offer property and

the country’s leading real estate companies, RE/MAX Cayman Islands. A

investment services to private investors, corporations and developers based

Caymanian, born and raised on-Island, Jennifer combines her extensive local

in Cayman and the Caribbean. With over 30 years experience, Jeremy has an

knowledge with a wide range of real estate experience at Property Cayman.

in-depth understanding of Cayman’s property market.

»

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

17

CONTRIBUTORS

Chevala contributes most of the content


AERIAL MAP OF GEORGE TOWN:

North

39

38 35

34

40 37

36

41

42

19 12

7

2

10

4 5

18

44 27

20

26

25

21

8

33

28 29

16

9 3

31

17

14

1

30

11

6

24

15

23

Aerial photo courtesy of Gary White.

22

S N MAP A E R I A LI S G LE A ONR D G EM TAOP W

43

32

13

1)

The Harbour Centre

2)

Zephyr House

3)

4) 5)

6)

7)

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

12)

Waterfront Centre

2 Blue; Shellections; Solutions Ltd; Chandler Insurance Mgmt; Dairy Queen; Rocky’s Diamond Gallery; Caribbean Resort Solutions; Captain Marvin’s Watersports.

Clifton House Estera; Appleby

Appleby Cayman Ltd; Banco Bradesco; Morval Bank & Trust;

Artemis House

Danesmead Partners; WB Financial Group; Global Fidelity Bank; Gold In; Commissions Secretariat; Akra Corporate Services; Akra Legal Services.

Maitland Building

Legislative Assembly Building

9)

MacDonald Square

10)

HSM Building

11)

Genesis Building

CAYMANRESIDENT 2018

»

22)

Elmslie United Church

23)

Port Authority

24)

Island Plaza

25)

Kirk Freeport

26)

Cardinal Plaza

CIBC Trust Co; CIBC Fund Services; CIBC Cayman Bank Ltd; Bessemer Trust; Truman Bodden Law School.

27)

Royal Plaza

Cayman Financial Centre

28)

George Town Post Office

29)

Scotia Centre

30)

FirstCaribbean House

31)

Elizabethan Square

DMS House

DMS Reception; DMS Bank & Trust Ltd; DMS Corporate Services Ltd; DMS Organisation Ltd; DMS Outsourcing Ltd; MS Offshore Investment Services; Bright Ideas.

14)

Public Library

15)

Flagship Building

Flagship Store; Island Companies Ltd; Incobrasa Industries Ltd; Paperman’s Coffeehouse; Cayman Enterprise City; Activecapital; Transocean; Latitude 19.

16)

Butterfield Place

17)

CIBC Financial Centre

Branch banking, credit services and corporate offices.

Fidelity Group Companies; Cayman Islands Development Bank; Stuart Walker Hersant Humphries Attorneys-atLaw; Stuart Corporate Services Ltd; Grant Thornton; Dominion; Southern Mgmt; Caribbean Mgmt Ltd.

19)

One Capital Place

20)

Kirk House

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

Kensington Mgmt Group; Delta Bank & Trust Co; FINAB

Kirk Freeport Plaza Ltd.

Caledonian House

18)

Maitland Administration Ltd.

Chambers; Financial Services Registry/Grand Court Registry; Chambers of Chief Justice; Family Proceedings Unit

21)

13)

Appleby Tower

8)

18

International Corporate Mgmt Services Ltd; Bould Consulting; Sinclairs Attorneys-at-Law; Rider Levett Bucknall (Caribbean) Ltd; Atlantic Financial Services LP; HG Realty; Delta Bank and Trust Company; C.S. Gill & Co; McGrath & Toner; Avata Property Services Ltd; Office Developments Ltd; The Bould Foundation.

Samson Law Associates; KSG Attorney-At-Law; International Mgmt Services; Nationsone Financial Ltd; Fund Fiduciary Partners; Duff & Phelps; VBT Bank & Trust.

Deloitte; Trident Trust; Dinner Martin Attorneys; NCB Group; Rankin Berkower Ltd; Centralis Cayman Ltd; ZEDRA Trust Company (Cayman) Ltd.

Giglioli & Co; Court 4 & 5; Judicial Financial Centre; Judges

Kirk Jewelers; La Perfumerie I; Swatch.

Island Jewelers; Churchill Cigars; Swarovski; De Sunglass Man; Margaritaville; Blackbeard’s Duty Free Liquor; Watch Me; Too Hot; Pandora; Tropical Trader.

Cartier Boutique; Kirk Leather; TimeZone; La Parfumerie II.

Princess World Jewelers; Cardinal Properties; P. T. Bank Mandiri; Legal Chambers Cayman Ltd; GoldField Cayman; Sound Financial Management Ltd.; Chelverton Investments Ltd; Discount Excursions; NSN (Cayman) Ltd.

Victoria Secret; MAC; PENHA, The Counseling Center.

Scotiabank & Trust.

CIBC FirstCaribbean Bank; East West Trust Co.; Solomon Harris Attorneys; Cavamont Group of Companies; Zedra Trust Company Ltd.

Cayman Travel Services; The Thai Restaurant; Rainbow Photo; Montpelier Properties; RCIP Financial Crimes


AERIAL MAP OF GEORGE TOWN:

South

48

52

47

45

56 51

58 46

55

49

57

53

50

54

32)

Monetary Authority

33)

Anderson Square

34)

Cayman Islands Stock Exchange; Cayman Islands Monetary Authority.

FLOW; Subway; Office of the Auditor General; Five Continents Financial Ltd; Office of the Complaints Commissioner; OneTRADEx; HLX Mgmt Ltd; Five Continents Partners Ltd; Information Commissioner’s Office; Multi-Agency Safeguarding Hub (M.A.S.H.).

Cricket Square – Willow House

Campbells; Conyers Dill and Pearman; Cary Olson; Artex; McCormick Global Ingredients Ltd; Higgs & Johnson Counsel and Attorneys- At- Law; H&J Corporate Services; Offshore Incorporations (Cayman) Ltd; Hedgeserv; Collas Crill.

35)

Brasserie Building

36)

Cricket Square – Century Yard

37)

38)

Paget-Brown Trust Co.; Paget Brown Attorneys-atLaw; Conyers Dill & Pearman; Deutsche Bank; MaplesFS; Conyers Corporate Services.

Cricket Square – The Pavilion

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

Cricket Square – Boundary Hall

50)

Hard Rock Café

51)

Citrus Grove

Diamonds International.

MUFG Alternative Fund Services (Cayman) Ltd.

40)

Cayman National Bank

41)

Walker House

42)

Cayman Island’s Government Administration Building

52)

George Town Hospital

43)

George Town Police Station

53)

Aqua World Duty Free Mall

44)

Royal Bank House

45)

Immigration Department & Passport Office

54)

Cayman Craft Market

46)

Cayman National Museum

55)

Harbour Place

47)

Cayman Corporate Centre

48)

Cayman Prep School

56)

Chrissie Tomlinson Memorial Hospital

49)

Bayshore Mall

57)

Queensgate House

58)

Ugland House

Orchid Development; The Brasserie and The Marketplace; Energy.

KPMG; Brasserie Conference Facilities; Caring Hands Cayman; Circumference; EisnerAmper Cayman; High Impact Media.

Marquise; Prodigee; Luxury Cayman Villas.

39)

Walkers Attorneys-at-Law; Intertrust

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

Northview Services Ltd.; Harmonic Fund Services; Cayman Islands Red Cross; Cayman Accounting Services Ltd; Patriot Captive Mgmt (Cayman) Ltd; Sterling Security Solutions Ltd; Walkers; Stone Island Ltd; UBS Trustees; Logic.

Kirk Freeport; Lalique Boutique; Lladró Boutique; La Parfumerie; Fountain Head; TShirt World; Cayman Treasures; Tous; Tips n Toes; Haagen-Dazs; Swatch; De Medicine Man; Silver Intl; Kirk Freeport Clearance Centre; Timezone; Cayman Creperie; Onyx Strategies; Lucky Slice; Stax; Vy’s Closet; Etienne Blake Attorneys; Diamond

AERIAL GEORGE TOWN MAP

Unit; RCIP Headquarters; Protocol Office; Employee Assistance Programme; Himalaya Herbal Store; Chris Johnson Associates Ltd; Cayman Conference Center; Conglomerate Agency; Stacey Thompson; Clyte Linwood; Fast Loans; CI Monetary Authority (Training); CompuCay; Lions Club of Tropical Gardens; FaceyClarke & Associates; Rosie Whittaker-Myles Attorney.

»

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

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

Sagicor Life and Insurance Managers; AOU Property Services; Island Style Boutique; Travers Thorp Alberga Attorneys; Queensgate Trust Co; Harneys; International Corporation Services Ltd; Cayman First Insurance Company Ltd; Tetra Laval Finance Ltd.; South West Collective Cafe and Bar; Borrelli Walsh; Blue Dragon Tattoos; Andreas Ugland & Sons Ltd; Summit Trust (Cayman) Ltd; Cainvest Bank & Trust Ltd.

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

Maples and Calder.

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

19


cayman

a sneak preview of the Cayman Islands Deep Blue Images

Aaron Rebarchek

1

IBSA AMT PAU SNR E S OLNUA TN CP AMY C A YAM I ND IC

Deep Blue Images

Deep Blue Images John Molyneux

John Doak

Deep Blue Images

xxxxx Julie Corsetti

20

Gary White

CAYMANRESIDENT 2018

»


about Cayman

Photos courtesy of 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.

1

The Cayman Islands has experienced unprecedented growth and success across multiple sectors in 2017. The volume of construction, especially along the Seven Mile Beach corridor, not to mention the transformational nature of some of these new projects such as Dart’s highway tunnel, have rendered certain parts of the country almost unrecognisable. In healthcare, not only did Cayman successfully manage the threat of Zika (the travel advisory was lifted in July of 2017), but a new maternity ward was opened at CTMH Doctors Hospital, and a contract was signed for Cayman’s first long-term mental health care facility. With the completion of the Kimpton Seafire Resort & Spa and Margaritaville Resort, the tourism sector continues to expand. As the country’s population continues to grow (1.6% increase from 2015 to 2016), the Government is also moving ahead with large capital projects. The finishing touches are being put on the Owen Roberts International Airport, which is in the process of being fully modernised to accommodate up to 2 million passengers per year (current capacity is 250,000), with more efficient processing (increased number of security lanes, new check-in and baggage systems) and family friendly areas. In addition to bricks and mortar projects, the Government has also been actively working on policy changes that benefit the greater community. To enhance the business sector, legislation

21

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

22 22 23 23 24 25 24

Geography - Geology, Caymanite, Flora & Fauna - Mosquitoes

24 24 25

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

26 26 26 26 26

Traditional Events & Holidays

27

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

28 28 28

»

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

A B O U T C AY M A N

CAYMAN’S OUTLOOK

Cayman’s Outlook

21


A B O U T C AY M A N

1

was passed to allow for the formation and registration of Foundation Companies that do not require shareholders to operate. In public education, several critical assessments were undertaken and the recommendations, which include improving teaching standards, increasing support for special needs students and the gifted, and offering more support and behavioural modification solutions for children involved in anti-social activities, have begun to be implemented. Onus is on the Chief Education Officer and other civil servants to continue the momentum of change and improvements. The backlog of Permanent Residency (PM) applications began to be heard in the summer of 2017, and since August 2017 approximately 90 applications have been decided. Over 1,000 people applied for PM between October 2013 and July 2017, all seeing permission to remain in the Cayman Islands for the rest of their lives. The process of clearing the back-log is expected to take some time. Concerns continue in other areas as ongoing construciton threatens to encroach on sensitive ecological areas and the protection of Cayman’s natural resources is of grave concern. One project that has been creating waves is the proposal to remove beach rock from a Marine Park zone on Seven Mile Beach. The National Conservation Council and a growing number of individuals, are pushing for an Environmental Impact Assessment to be carried out to measure how the removal of beach rock will affect wave patterns, beach erosion and the marine environment. With climate change becoming an irrefutable reality for the world, and large storms such as Irma hitting the Caribbean basin in 2017, Cayman must think carefully about removing beach rock that protects the integrity of the shoreline, acting as a storm buffer such as mangroves and reefs. There is also the port development in George Town, and the significant reduction (said to be 15 acres of reef ) of a marine park, which is another concern. What few have voiced is how George Town’s infrastructure and 22

CAYMANRESIDENT 2018

»

antiquated sewage system will cope with more cruise ship passengers, and where all the garbage from 2.5 million visitors will go. Turn to page 203 to learn about the landfilll issue. While these projects could produce alarming results for Cayman’s sensitive natural resources, there has also been some good news for the environment. A 22-acre solar farm opened in Bodden Town in 2017 and farther east, Health City is building a four-acre solar farm to power the hospital. Lastly, a developed country would not be complete without a stable government. Cayman held its landmark singleconstituency elections in May 2017. 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.” However, 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 Carib-Indian 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 up wind 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 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.

Piracy By 1660, the English had established themselves in Jamaica and begun 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 to 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 slave-owning nations in this time period. Although slavery existed in Cayman for about a century, it was not ultimately able to prosper because the main

»

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

23

1

A B O U T C AY M A N

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, 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 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.


sources of industry on the island were not in areas that were conducive to slave trade, such as farming and agriculture.

A B O U T C AY M A N

1

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. 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 has two political parties, the People’s Progressive Movement party (PPM), led by Alden McLaughlin and the Cayman Democratic Party (CDP), led by McKeeva Bush. 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 24

CAYMANRESIDENT 2018

»

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 oversight 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, North Side MLA Ezzard Miller is the new leader of the opposition. 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 25,000 feet. 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 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.


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. Bats can be seen at night (and are completely harmless). 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. About half of Cayman is covered in wetland, so there are large areas of mangrove wilderness. The mangroves are an essential breeding ground for fish and birds and their protection is a major project of the National Trust for the Cayman Islands.

Composition: Grand Cayman, Cayman Brac and Little Cayman Location: 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: 61, 361 of which 34,113 are Caymanians (2016) National Income (2016): GDP per capita: CI$47,864/US$58,370

1

Real GDP: CI$2,691.6 million Total Government Revenue: CI$705.8 million Total Government Expenditure: CI$639.0 million Core Government Debt: CI$483.9 million

A B O U T C AY M A N

Mosquitoes Cayman has come a long way. 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 (the main breeding ground for mosquitoes) 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 non-native species in the Cayman Islands, is the predominant carrier of viruses, including dengue, chikungunya and Zika, which can cause birth defects. (Cayman has no travel advisories for Zika.) In 2016, genetically modified male Aedes aegypti mosquitoes were released in West Bay. Their genetic makeup has been altered by biotech company Oxitec to include a ‘self-limiting gene.’ Once set free and they mate with females in the wild, their offspring dies before reaching maturity, thus crashing the Aedes aegypti population. Locals and visitors needn’t be concerned about extra bites as male mosquitoes, which cannot bite, are being released. Neither should they fear for other species, or the environment at large, because unlike insecticides, Oxitec’s method is environmentally safe, species-specific and has no side-effects.

Fact Sheet

Other Statistics (2016): Life Expectancy: 82.3 years Infant Mortality rate (per 1,000 live births): 4.2 Unemployment Rate: 4.2% Total Work Permits: 23,298 Total Labour Force: 42,196 Total # Central Government Employees: 3,652 Average Inflation Rate: 0.6% Total Imports: CI$854.2 million Bank & Trust Licences: 159 Captive Insurance Licences: 711 Total Mutual Funds: 10,586 Total Company Registrations: 92,248 (Dec 2016) Doctors per 1,000 population: 4.5 Visitor Air Arrivals: 385,500 passengers Cruise Ship Arrivals: 1,711,800 passengers

Main Industries: Tourism, Financial Services and Construction

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

Nationalities: Over 120 different nationalities are represented in Cayman. The majority of the population is Caymanian, followed by Jamaican, Filipino, British, American, Canadian, and a mix of Latin American. Information obtained from The Economics and Statistics Office.

»

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

25


CUSTOMS & TRADITIONS

A B O U T C AY M A N

1

Once known as the “islands that time forgot,” the Cayman Islands have been catapulted into the 21st century at, some say, an alarming rate. Interestingly, the last decade has seen a determined effort to maintain the delicate balance between preserving the essence and simplicity of the past, while moving resolutely into the future to maintain the country’s status as one of the world’s premier tourism, banking and finance centres. 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 on the latest ‘Marl Road’ (gossip) is as important as drawing breath in the Cayman Islands! 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. 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. 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. 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

Public Holidays 2018 Monday, 1st January New Year’s Holiday Monday, 22nd January National Heroes’ Day Wednesday, 14th February Ash Wednesday Friday, 30th March Good Friday Monday, 2nd April Easter Monday Monday, 21st May Discovery Day (3rd Monday in May) Monday, 11th June Queen’s Birthday Monday, 2nd July Constitution Day (1st Monday in July) Monday, 12th November Remembrance Day Tuesday, 25th December Christmas Day Wednesday, 26th December Boxing Day

26

CAYMANRESIDENT 2018

»

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. 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


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 agriculture - 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 49 years. The show is a widely anticipated family event every year and provides farmers with an opportunity to sell their homegrown 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 kid-friendly activities such as games, pageants, horseback riding and the petting zoo. Now in its 49th 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. Rum Point is also a popular meeting point for groups with boats, and some families rent condos in Cayman Kai. For a more adventurous Easter break, plane charters are often arranged to destinations such as Honduras, Costa Rica or Panama, leaving on the Thursday night and returning on the Monday.

Caribbean’s diverse African and religious roots, as well as the colourful costumes that reflect the Island’s rich heritage. Thousands of Cayman’s locals and visitors (many travelling to Cayman just for this event) 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. The format is a series of skits, music, stand-up comedy, monologues, dance and impersonations. 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; costumes are planned weeks in advance and parents stock up on sweets for the countless trick-or-treaters that come knocking. The festivities start just as the sun goes down (wear bug spray) and are wrapped up by about 8pm. Very popular areas to trick-or-treat are Webster’s Estates (off South Sound) and Snug Harbour, but people also trick-ortreat in their neighbourhoods. Camana Bay also hosts a family Halloween Spooktacular on or before October 31st, where kids dress up and take their loot bags around the stores for coveted candy and homemade treats!

Batabano Cayman Carnival Batabano is usually held the week after Easter every year, and will be held 2nd May 2018. It is a major highlight on the Island’s entertainment calendar. The festival’s name is a salute to Cayman’s turtling heritage: 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 four 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

National 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”

»

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

27

1

A B O U T C AY M A N

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. The English from Jamaica, who first settled in Cayman in the 1660s, came to be regarded as skilled turtlers. 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 and continues to supply the local market with turtle meat.


A B O U T C AY M A N

1

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 is a great family outing. Later on in the month is the Parade of Lights (where boats decked with lights parade in the Camana Bay harbour, while the National Choir and school choirs sing carols). The Rotary’s annual carol singing concert in early December is highly anticipated every year. Enjoy shopping at the craft market and keep a look out for an appearance from Father Christmas! FORMALITIES

Attire & Dress Standards Business attire is usually conservative for men: long trousers, long sleeved collared shirts and maybe a tie. Jackets are rarely worn, even in board meetings, but are compulsory for lawyers attending court proceedings. For women: a smart skirt, dress or slacks with a blouse is appropriate. For social occasions, residents love to 28

CAYMANRESIDENT 2018

»

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.

9am-1pm. Usually only retail outlets are open on Saturdays. Most banks are open Monday-Thursday from 9am-4pm and Friday from 9am-4.30pm, but some bank branches are also open on Saturdays between 9am-1pm.

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.

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.

Daylight Savings Time & Greenwich Mean Time (GMT) Daylight Savings Time is not observed in Cayman. 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 Sunday. Places that do remain open in Grand Cayman include some pharmacies (see page 334 for a list of pharmacies on-Island), gas stations, restaurants, hotels and hotel bars, Camana Bay’s cinema and even the Mountain Dew Black Pearl Skate Park in Grand Harbour.

THE

Pirates Week Cayman’s National Festival Pirates Week, will run from 9th-13th November 2017. The Sister Islands celebrate either side of those dates. Over the last 37 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, five heritage days, a float parade and landing pageant, firework shows, a song contest, two swim meets, a darts tournament, a steelpan competition, a kids’ fun day, two teen music nights, an underwater treasure hunt and two running races. Contact the National Festival office on (345) 949 5859 or visit www.piratesweekfestival.com.

Business & Banking Hours Typical business opening hours are Monday to Friday 8.30am-5pm, Saturday

Tell them you saw it in the

Cayman’s Climate at-a-glance (2016 figures) Average day-time temperature

Estimated average daytime hours

Average inches of rainfall

Average humidity (%)

January

26.6 °C /79.8 °F

11.25

2.28

81

February

25.9 °C /78.7 °F

11.5

0.29

78

March

27.4 °C /81.3 °F

12

1.12

79

April

28.2 °C /82.8 °F

12.5

0.48

76

May

29.0 °C /84.3 °F

13.16

30.4

78

June

29.5 °C /85.1 °F

13.25

3.6

79

July

29.8 °C /85.6 °F

13.16

3.83

78

August

30.0 °C /86.1 °F

12.25

4.09

81

September

30.0 °C /86.0 °F

12.25

3.87

78

October

28.9 °C /84.0 °F

11.5

4.93

81

November

27.6 °C /81.6 °F

11.25

0.16

76

December

27.6 °C /81.7 °F

11

0.29

79


cayman

a global financial centre

T

he Cayman Islands continues to maintain its dominant position as a leading financial hub. The country’s commitment to excellence and modern legislation are a few keys to its performance, particularly in capital markets and investments. Cayman has also remained the leading jurisdiction for international hedge funds and represents almost half of all captives globally. It is the number one domicile for healthcare captives, and continues to excel globally in banking, trusts, capital markets and fiduciary services. As one of the top ten financial centres in the world, with over 40 of the top 50 banks holding licences in the country, it is not surprising that Cayman’s financial services industry was the recipient of one of the more prestigious international awards in 2016. The Banker magazine ranked the Cayman Islands, Top Specialised Financial Centre, for the eighth consecutive year. Industry awards such as these highlight the jurisdiction’s success in striking the right legislative and regulatory balance with the creation of innovative financial solutions for its global clients. Beneficial Ownership As widely reported in 2016 and 2017, Cayman agreed to enhance legislation which will help law enforcement agencies in the United Kingdom access beneficial ownership information with the utmost urgency, when in pursuit of bad players. In 2017, the Cayman Islands passed the legislation needed to establish a centralised platform for beneficial ownership information. The Limited

2

Beneficial Ownership

29

Legislation to Meet Client Needs

30

UK’s Vote to Leave EU

30

Taxation

31

Banking

32

Investment Funds

32

Trusts

35

Companies & Partnerships

35

Structured Finance

36

Collateralised Loan Obligations

36

Independent Directors

36

Cayman Islands Stock Exchange

37

Aircraft/Ship Registration

37

»

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

C AY M A N – A G L O B A L F I N A N C I A L C E N T R E

Photos courtesy of Claire Rohleder, Deep Blue Images and Charles Grover.

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

29


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, establish and maintain beneficial ownership registers on behalf of their clients. The commencement date for the legislation was 1st July 2017.

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

2

Legislation to Meet Client Needs Cayman’s regulatory framework is continuously enhanced to ensure it meets the needs of licensees 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). The referendum vote itself was advisory rather than binding, and the consequences of the vote, and the timing of the next steps, were to be determined by the latest UK Parliament after the 8th June 2017 General Elections. 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 30

CAYMANRESIDENT 2018

»

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 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. Positioned for Growth With unparalleled market leadership across all the key sectors, open and constructive dialogue between government and industry, to drive through new products and positive results on major international tax transparency issues, Cayman’s financial services industry is strong and firmly positioned for growth. Cayman’s 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 (HMS Convert), 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 Sail actually took place, but there is no documented evidence of the royal decree, however, this has not stopped the story 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 nonexistent, so there was nothing worth taxing. But in 1952, an aircraft runway was constructed and the following year Barclays Bank opened a branch on 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 and take advantage of the absence of any form of direct taxation on individuals and corporations based on income or wealth. 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. It is notable that 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 growing population of well-educated Caymanians, has kept Cayman in the forefront of the international financial industry. At the time of going to press there are no income, inheritance, sales, corporation, capital gains, property or withholding taxes in the Cayman Islands. 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. 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 banking, trusts, funds, company management, structured finance, vessel and aircraft registration, insurance and stock exchange listings.

(EOIR). In its first round of reviews, the Global Forum rated the Cayman Islands as ‘Largely Compliant’ with the legal and regulatory aspects of EOIR and also with EOIR in practice. The Cayman Islands was also one of the first jurisdictions to undergo the second round of Global Forum peer reviews which started late 2016. The second round focuses on the availability of beneficial ownership information - as set out by the FATF standard – as well as its access by tax authorities. The Cayman Islands once again received a ‘Largely Compliant’ rating during the second round peer review. The OECD and the Global Forum have developed the Common Reporting Standard (CRS) for the Automatic Exchange of Information (AEOI) on tax matters. There are 100 Participating Jurisdictions in the CRS and the Cayman Islands is an ‘early adopter’ with the first automatic exchange of information that was set to occur on 30 September 2017. Like FATCA, the CRS is designed to address the problem of tax evasion by taxpayers who have financial accounts in foreign jurisdictions. In addition the Cayman Islands has also joined the OECD’s inclusive framework on Base Erosion and Profit Shifting (BEPS). BEPS is designed to address aggressive tax avoidance by multinational enterprises. In particular, back in 2016 the Cayman Islands committed to implementing the most relevant aspects of BEPS, Countryby-Country Reporting (CbCR). The willingness of the Cayman

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.

SEVEN MILE BEACH | GRAND C AYMAN | C AYMAN ISLANDS RESERVATIONS 345-623-4500 | TOLL-FREE 1-800-941-1126 WWW.C ARIBCLUB.COM T H E U LT I M AT E L U X U RY C A R I B B E A N E S C A P E

»

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

31

2 C AY M A N – A G L O B A L F I N A N C I A L C E N T R E

Taxation It has been suggested unofficially, that a tax haven is somewhere that has little or no taxation, protects personal financial information through laws blocking the sharing of information and exhibits an obvious lack of transparency. Although the Cayman Islands are often referred to as a ‘tax haven’, this does not mean it is an uncooperative jurisdiction with regards to tax matters or other criminal matters. On the contrary, during 2009, the Cayman Islands were added to the ‘white list’ of countries (along with the UK and the USA) using internationally recognised tax standards in their laws (the ‘white list’ is issued by the Organization for Economic Cooperation and Development or OECD). The Cayman Islands have been making large efforts to be transparent and to sign laws that benefit foreign governments in the sharing of information and this has paid dividends. In 2000, the Cayman Islands’ Government signed up to the OECD’s project to eliminate harmful tax practices and joined the Global Forum on Taxation. In 2001, as a demonstration of the OECD commitment, the Cayman Islands signed a tax information exchange agreement with the US, which is in force for all civil and criminal matters. A few years later, the Cayman Islands agreed to implement the European Union Savings Directive, automatically reporting bilaterally to each of the 28 EU member

states, interest income earned by EU citizens in Cayman Islands bank accounts. Since then, the Cayman Islands have also signed numerous tax information exchange agreements with G-20 and/or OECD countries modelled on the OECD standard for bilateral tax information exchange and continue to actively negotiate additional agreements. At the time of going to press, Cayman has entered into tax information exchange agreements with 35 countries. Furthermore, the Cayman Islands has pioneered a unilateral mechanism, which provides for precisely the same range of tax information exchange in relation to tax information matters without a bilateral treaty. The Cayman Islands has elected the US Treasury’s Model I Intergovernmental Agreement in relation to the Foreign Account Tax Compliance Act (FATCA) to facilitate tax information exchange with the Internal Revenue Service of the USA. The Global Forum on Transparency and Exchange of Information for Tax Purposes has been the multilateral framework within which work in the area of transparency and exchange of information has been carried out by both OECD and non-OECD economies since 2000. The Global Forum now includes 139 member jurisdictions and the European Union, together with 15 observers, making it the largest tax group in the world. The Global Forum conducts peer reviews of its member jurisdictions’ ability to co-operate with other tax administrations in accordance with the internationally agreed standard for exchange of information on request


Islands to be an open and cooperative jurisdiction on tax information exchange demonstrates that the label ‘tax haven’ is somewhat outdated and simply unfair. The professional service providers based in the Cayman Islands prefer (in recognition of the efforts undertaken) that the modern term ‘tax neutral jurisdiction’ be used. These efforts on the part of the Cayman Islands have been rewarded by an increase in transactional flows; this is no doubt because of the institutional business which was attracted to the Cayman Islands, as a result of its tax neutrality and its improved reputation internationally as a cooperative financial jurisdiction.

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

2

Banking Regulated by the Cayman Islands Monetary Authority (CIMA), banking in the Cayman Islands is a major part of Cayman’s financial sector, with 158 banks licensed as of the end of June 2017. The total international (cross-border positions in all currency and domestic positions in

split into A and B classes, with the former licence permitting banks to carry out local and international business. There are currently 11 Class A licensed banks in the Cayman Islands, with six of those carrying out retail services. The other banks hold Class B licences and are mainly restricted to offshore transactions with non-residents. Of the 158 banks licensed in Cayman, 36 are from Europe, 25 from the USA, 21 from the Caribbean and Central America, 21 from Asia and Australia, 16 from Canada and Mexico, 35 from South America and five from the Middle East and Africa. To see a list of the banks licensed in the Cayman Islands visit www.cimoney. com.ky.

foreign currency) assets and liabilities were reported as US$1.02 and US$0.98 trillion respectively in Dec 2016. 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 skilled professionals and is one of the most prominent employers on the Island. Cayman Islands banks are bound by strict anti-money laundering laws, which together with Know-Your-Customer (KYC) regulations, are recognised as meeting or exceeding those of all major onshore jurisdictions. The 158 banks licensed in Cayman are

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

CIIA e

We e CIIA

e

e e e

We

I

e CIIA

32

eC

C

e

e e

e e e

e e

CAYMANRESIDENT 2018

e e

e e e

e e

e e

»

e e e e e

e eC

e

e I

e

e

e e e e


cooperation agreements between CIMA and EU regulators. On 30th May 2013, the same day that the European Securities and Markets Authority announced that it had approved the co-operation arrangements between all 27 EU securities regulators and authorities from Croatia, Iceland, Liechtenstein and Norway, CIMA confirmed its intention to sign Memoranda of Understanding (MoU) with those same regulators/authorities. The signing of such MoUs is an important step in preserving the Cayman Islands’ competitive position as the leading jurisdiction for investment funds. It is not surprising that 85% of the world’s hedge funds are domiciled in Cayman. In August 2015 the Securities Investment Business (Amendment) Law, 2015 and the Mutual Funds (Amendment) Law, 2015 were passed. These two amendments laws, together with new AIFMD regulations that will sit under these laws, are designed to facilitate the extension of the AIFMD third country passport to the Cayman

Islands. 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, which may expire in 2018. The European Securities and Markets Authority (ESMA), which regulates and supervises financial institutions in the European Union, assessed the Cayman Islands in late June 2016 for technical preparedness, as part of their “second wave” assessments of non-EU countries. ESMA indicated that they could not give an affirmative determination regarding the outcome of the assessment until the AIFMD regulations were completed. The regulations were subsequently completed in December 2016 and were sent to ESMA for their review. The Cayman Islands awaits ESMA’s decision about the jurisdiction’s definitive status for the passport. The success of the Cayman Islands is not due to one factor alone, but to a

LET’S GET DOWN TO BUSINESS We believe in providing best-inclass, no-nonsense legal advisory services. We focus on the client experience and maximizing value. Our clients tell us that’s what they love about doing business with us.

Find out more about our award-winning services

WWW.SOLOMONHARRIS.COM

»

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

33

2 C AY M A N – A G L O B A L F I N A N C I A L C E N T R E

onsense

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. At the end of the second quarter of 2017, there were 10,621 either licenced or funds registered with CIMA. A number of Cayman funds will be impacted by the European Union’s Alternative Investment Fund Managers Directive (AIFMD). AIFMD requires that EU and non-EU fund managers satisfy specific requirements in marketing or managing alternative investment funds in the EU and it came into force in July 2013. The Cayman Islands passed the Monetary Authority (Amendment) Law 2013, in order to facilitate the signing of relevant


number, including its reputation, freedom of investment decisions for hedge fund managers, tax-neutral status, 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.

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

2

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 whistle-blowing provisions, enhanced

34

CAYMANRESIDENT 2018

»

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 the second

largest offshore centre for captive insurance, with a total of 701 companies licensed as of June 2017 and is the number one jurisdiction for healthcare captives, representing almost half of all captives. The international insurance industry in Cayman is primarily made up of companies insuring risks in North America, representing about 90% of the market. With 226 companies, medical malpractice liability (MML) represents 32.2% of captive licences as of June 2017 and makes up the largest line of business within the insurance sector. Total assets for the period for MML are US$13,804,965,223 and for the entire captive industry in Cayman is US$62,004,305,638. Reinsurance Although the Reinsurance industry is relatively small in the Cayman Islands when compared to Bermuda, it does have a significant presence and with planned future amendments to our insurance law regime, has substantial potential for further


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 he is an owner or is 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 has remained at 30 as of June 2017. The insurance sector in the Cayman Islands remains robust. As of 30th June 2017 the total premiums were reported at US$12.4 billion and the total assets were US$62 billion. Trusts The Cayman Islands are well regarded for

instituting a modern and flexible trust regime. The laws and framework governing the establishment and administration of trusts are respected worldwide. As of 30 June 2017 there were 146 active trust licences, of which 57 were full trust licences, 61 were restricted trust licences and 28 were nominee (trust) licences in the Cayman Islands. Companies & Partnerships Cayman’s Companies Registry (the “Registry”) shows a total of 92,248 active companies registered at the end of 2016. Company incorporations are a thriving part of Cayman’s financial services. Governed by the Companies Law, 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

Promoting the development and growth of the Cayman Islands Financial Services Industry

Excellence. Innovation. Balance.

2nd floor Fidelity Financial Centre West Bay Road 345-623-6725

www.caymanfinance.ky

»

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

35

2 C AY M A N – A G L O B A L F I N A N C I A L C E N T R E

growth. This was recently evidenced by a reinsurance subsidiary of a large New Yorkbased private equity firm taking advantage of the new Insurance Law to migrate from a Class B captive licence to a Class D openmarket 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 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


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

2

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, directors, officers and nominee shareholders, as well as the maintenance of corporate records, accounts and financial statements. The Cayman Islands Exempted Limited Partnership Law was enacted on 2nd 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 provides for limited liability for its members, by reference to member’s capital accounts and capital commitments. In 2017, legislation was passed for Limited Liability Partnerships, which offer separate legal personality with the flexibility of a partnership; and for Foundation Companies which may prove particularly attractive to trust and estate planners, as foundation companies may have no shareholders and may entrench its objectives. 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. The majority of these SPVs purchase groups of loans issued by Main Street US and European banks and re-sell them as a form of investment to institutional investors. The main attraction of the Cayman Islands for these SPVs, is that Cayman is truly ‘tax neutral’, so that purchasers of the debt issued by the SPVs can participate regardless of their location, in the knowledge that they will only have a tax liability in their home jurisdiction. Collateralised Loan Obligations (CLO) The Cayman Islands is continuing to be the domicile of choice for US CLO managers. 36

CAYMANRESIDENT 2018

»

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 per The CLOser (the Maples industry newsletter for the CLO market), approximately 156 deals were priced during 2016, representing US$72bn of issuance. Independent Directors in Cayman A growing sector of Cayman’s financial services industry is the provision of independent directors. During the recent 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. This is also borne out by the 2013 Cayman Islands funds statistics, which show that the vast majority of 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 2014, which now requires all directors of mutual funds regulated under the Mutual Funds Law (2015 Revision) and directors of companies registered as excluded persons under the Securities and Investment Business Law (2015 Revision), to register with CIMA. The law provides 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. 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 2018 conference, which is the largest hedge fund operational due diligence, compliance and risk management event, which will be held April 22nd to 25th 2018. Another major conference is the fourth Cayman Alternative Investment Summit (CAIS), sponsored by KPMG, which is scheduled to take place February 8th to 9th 2018. Also highly anticipated was the 13th Annual Anti-Money Laundering, Compliance and Financial Crime Conference at the Grand Cayman Marriott Beach Resort that was held on October 2nd to 3rd, 2017. Between October 25th 2017 and April 12th 2018 ten medical conferences are being held in Grand Cayman at the Marriott Beach Resort. 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 www.cayman.finance,


Aircraft Registration The Cayman Islands Aircraft Registry 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. Visit www.caacayman.com. Ship Registration The Maritime Authority of the Cayman Islands (MACI) has oversight of the Cayman Registry and maintains its headquarters in Grand Cayman. This first-class international organisation with a worldwide reputation for excellence in global shipping is staffed by an 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. Visit www.cishipping.com.

Tell them you saw it in the

Cayman Islands Department of Commerce and Investment (DCI) The Cayman Islands Department of Commerce and Investment (DCI) is the central point for the coordination of resources and information for investors, entrepreneurs and developers seeking business opportunities in the Cayman Islands. DCI also licenses and regulates all trade and businesses in Cayman. Read the Running a Business chapter for more information on DCI. 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. SE E AD PAG E 32

»

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

37

2 C AY M A N – A G L O B A L F I N A N C I A L C E N T R E

Cayman Islands Stock Exchange (CSX) CSX, which is a well-established and internationally recognised stock exchange, 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. The CSX went live on the Deutsche Boerse XETRA® trading platform on 25th March, 2013. To attract fund listings from other jurisdictions, non-Cayman listing agents may now be appointed.

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

call (345) 623 6725 or email enquiries@ caymanfinance.ky. SE E AD PAG E 35


Investing in Cayman

Photos courtesy of DRCL/Camana Bay, Deep Blue Images, John Molyneux and Claire Rohleder.

Wealth management services in Cayman, saving and investing, tax considerations and investing in property.

I N V E S T I N G I N C AY M A N

3

Wealth Management

38

Saving & Investing in Cayman

40

Investing in Precious Metals

42

Establishing a Trust

42

Investing in Cayman Property

42

T

op investors continue to flock to the Cayman Islands, not only for the many valuable opportunities, but for the country’s well regulated, tax neutral environment which is highly regarded internationally. Cayman is also the world’s leading domicile for offshore hedge funds and is one of the largest captive insurance centres. It is also a world leader in structured finance. Predictably, the Islands have become the offshore jurisdiction of choice for both private and institutional investors. Also fueling 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. Cayman also has brokerage services that offer deep discounts on online trading with a minimum deposit of US$5,000. Storing and trading in gold is another advantageous investment opportunity in Cayman, due to the lack of tax on storage or on imports and 38

CAYMANRESIDENT 2018

»

exports of precious metals. Find a precious metals dealer and vaulting facility later on in this chapter. You will also learn tips on how to transfer your earnings and investments to Cayman or to your home country (if you are a non-resident). There is 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, plus it tends to retain its value overtime. Also the local property market continues to become more sophisticated every year. The luxury market has mushroomed along the Seven Mile Beach corridor, positioning the Island as one of the top spots in the world for investors to hold high-end property. There are still bargains to be found however. WEALTH MANAGEMENT

There are compelling reasons for engaging the services of an investment advisor based in the Cayman Islands, either through the local office of a global firm or the asset management group of a local financial institution; expert investment guidance can be obtained in the resident’s time zone and on a personal basis. The local advisor will be familiar with the asset allocation and types of investments that are appropriate given the resident’s new 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. Some of the leading organisations offering wealth management solutions are listed here:

Tel: (345) 949 4655

Tel (345) 769 5352

Email: cnb@caymannational.com

Email: enquiries@ifp.ky or www.ifp.ky

www.caymannational.com

IFP is an independent financial planning

Services offered: Corporate and retail banking,

company with offices in Bermuda, the Cayman

wealth and portfolio management, fiduciary

Islands and the British Virgin Islands. They

services, trusts and investments.

provide impartial, independent investment

SE E AD PAG E S 101 & 141

advice and advise clients on a range of strategies best suited to them. Specialists

CIBC FirstCaribbean International Bank

in tax neutral retirement planning, regular

Tel: (345) 949 7300

savings and portfolio management, IFP can help you plan for a better financial future.

Fidelity Bank (Cayman) Ltd.

SE E AD T H I S PAG E

Cayman Financial Centre, Dr. Roy’s Drive PO Box 914, Grand Cayman KY1-1103

NCB Cayman

Tel: (345) 949 7822

Tel: (345) 949 8002

Email: info@fidelitycayman.com www.fidelitygroup.com

RBC Dominion Securities Global Limited

Services offered: Private banking, asset

4th Floor, Royal Bank House, 24 Shedden Road

protection, financial planning, competitive

PO Box 1095, Grand Cayman KY1-1102

pension plan and lending solutions.

Tel: (345) 949 4066

SE E AD PAG E 64

www.rbcdscayman.com

3

RBC’s Grand Cayman based professional advisors provide custom-designed portfolio

Grand Pavilion, West Bay Road

management and advice using a complete

4th Fl, Piccadilly Center, 28 Elgin Avenue, GT

PO Box 10225, Grand Cayman KY1-1002

range of global investment opportunities,

PO Box 30862, Grand Cayman KY1-1204

4781 IFP | Press Ad | NEW Resident | Size: 4.77in x 4.84in | Option G | CMYK | BB&P | 23 july 2015

Tel: (345) 943 0003 Email: info@bias.ky or website: www.bias.ky Since 1991, BIAS has provided premium wealth management, wealth building and institutional asset management. Their newest service, Freedom Trading, is an online share trading service using a state of the art investment platform. Easily manage your investments from your computer, mobile phone and tablet, for as low as $6.95/trade + $0.02/share. Butterfield Bank (Cayman) Limited 12 Albert Panton Street, George Town PO Box 705, Grand Cayman KY1-1107

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

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 45 & 99

Cayman National Corporation Ltd. Peter A. Tomkins Bldg., 200 Elgin Avenue, GT

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

www.ifp.ky

PO Box 1097, Grand Cayman KY1-1102

»

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

39

I N V E S T I N G I N C AY M A N

International Financial Planning (IFP) BIAS (Cayman) Limited


supported

by

top-ranked

research

and

investment strategy. Build and protect your wealth with personalised advice backed by the

discretionary management services. Most financial institutions offer products and services to meet the needs of investors of all sizes, we recommend contacting Butterfield, Cayman National Securities, Royal Bank of Canada or Scotiabank to make an appointment to discuss the range of options and minimum requirements. Currently OneTRADEx is one of the only fully licensed brokers that offers discount online trading to investors. A minimum deposit of US$5,000 is required to open an account with OneTRADEx.

planning, investment advice and management,

OneTRADEx Ltd.

wealth structuring including private trusts,

5th Fl Anderson Square, 64 Shedden Road, GT

foundations, private investment and custody.

PO Box 2168, Grand Cayman KY1-1105

1) Seek tax advice in your home country.

SE E AD PAG E 102

Tel: (345) 943 3212 Toll-free: 1 (800) 381 1026

The tax authorities in Canada, the UK and

Email: info@onetradex.com

the US treat income differently when their

www.onetradex.com

residents are physically working outside

Services offered: Online discount securities

of the country. All newcomers to Cayman

trading from a regulated brokerage account

should determine if it is advantageous

for Cayman residents, offshore residents and

to transfer savings and investments to

expat investors, including non-resident US

Cayman or keep them at home. It is also

wealth management firm. SE E AD OP P OSI T E PAG E

Scotiabank & Trust (Cayman) Ltd. Scotia Centre, George Town PO Box 689, Grand Cayman KY1-1107 Tel: (345) 949 7666 www.scotiabank.com/ky Services offered: Private banking including customised lending solutions and financial

I N V E S T I N G I N C AY M A N

SAVING & INVESTING IN CAYMAN

Working in the Cayman Islands, especially in financial services and tourism, is about being in a first-world environment while enjoying the year-long tropical climate, white sand beaches and warm, crystalclear sea. Working in Cayman is also 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 taking up employment here take the following steps:

strength and experience of Canada’s leading

3

Citizens. SE E AD PAG E 43

Brokerage Services There are a number of regulated wealth management firms based in the Cayman Islands that offer securities brokerage, along with investment advisory and

very important to determine how long you need to be a non-resident before securing tax-free benefits, if it is possible at all. Tax legislation is continually changing, so it is imperative to have the latest information before making decisions on investing. For example, in the UK you have to be a nonresident for one full tax year in order to avoid tax on income. US citizens are liable to be taxed on worldwide income, irrespective of where that income is physically earned, although you may be eligible for a foreign earned income exclusion, which is adjusted each year based on the inflation rate. Canadian citizens have to prove that they have severed ties with Canada to avoid paying tax. 2) As soon as is practical after arrival in the Cayman Islands, a local bank account should be established. This will enable you to have a cheque book, a debit card and to use ATMs. A note regarding chequing accounts: most local banks impose significant monthly and transaction fees on chequing accounts unless fairly significant average balances are maintained. Certain banks for

40

CAYMANRESIDENT 2018

Âť


example, point out to new customers that

into your home currency. Converting funds

own investments; these could potentially

the bank maintains the payment details

on a regular basis will tend to mitigate this.

provide tax advantages upon returning to

of several hundred local merchants and

6) Factor into investment planning an eventual

the home country. Most local banks in the

service providers. This, together with easily

return to the home country. At that time, it’s

Cayman Islands have a trust department

accessible online banking, can mitigate

not advisable to liquidate all investments

that can provide expert guidance and they

the need for having a chequing account,

held locally and repatriate the funds. To

will advise on the best strategy based on

since bills may be paid electronically. In this

make the appropriate decision at that time,

each client’s personal situation. However,

instance, customers are granted savings

it is very important to be fully aware of

please see the Domicile & Tax section

accounts in either US$ or CI$. Funds

your individual tax situation and what you

on our Cayman Resident website before

maintained in these accounts are fully liquid

are legally allowed to do. Whilst in Cayman,

establishing a trust, as you might trigger

at all times and the accounts can be readily

it may be advantageous to establish a

inheritance tax if it is done too soon. Also

accessed online or at ATMs. (Note - banks

Cayman-registered company or trust to

see pages 42 and 85.

in Cayman are strictly regulated by the Government-run Cayman Islands Monetary Authority (CIMA), which has the regulatory and oversight functions of a central bank,

RBC Dominion Securities Global Limited

but there is no equivalent in Cayman to the US Federal Deposit Insurance, which means that deposits are not protected if a bank should be declared bankrupt). 3) Consider

the

establishment

of

3

an

investment account. This will enable new residents to take advantage of some of I N V E S T I N G I N C AY M A N

the other services that banks offer, such as investment advice, brokerage services and, for those with significant assets, discretionary investment management. 4) Arrive prepared to meet local requirements for establishing banking and investment relationships. Local due diligence calls for having readily available (original) documents

Align with a company that shares your values

that confirm the personal identity and other particulars of an applicant. The requirements vary with each institution, but generally include two forms of identification, confirmation of residential address, a bank reference, professional reference (both addressed to the bank in Cayman) and evidence of the source of funds. For a full and detailed list of requirements see the Money and Banking section of the Settling In chapter.

At RBC Dominion Securities, we believe that the best returns are more than financial. When you work with us as your clients’ financial advisor, you and your clients will have the unparalleled strength and stability of RBC behind you, as well as access to our world-class experts, tools and resources to help your clients succeed. Discover how we can work together to help your clients shape their legacies and realize their ambitions for both their families and the communities they care about. To learn more about our offices in the Cayman Islands, visit www.rbcdscayman.com.

5) If planning to return to a country that is not US dollar 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

Local presence. Global expertise. RBC Dominion Securities Global Limited is a foreign affiliate of RBC Dominion Securities Inc.*, both member companies of Royal Bank of Canada. RBC Dominion Securities Global Limited is regulated by the Cayman Islands Monetary Authority, The Securities Commission of The Bahamas and the Financial (08/17) Services Commission in Barbados. 17_93097_007

the value of your savings once converted

»

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

41


INVESTING IN PRECIOUS METALS & STORAGE

Gold and other precious metals make enormous sense and offer investors tremendous opportunities for both wealth preservation and wealth appreciation across a wide spectrum of economic scenarios. Trading and storing precious metals in the Cayman Islands is a solid investment for your future. And you certainly do not have to expect the global financial system to collapse to own gold and silver! Adding gold 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 allocation to precious metals is closer to 25% – 30%. The Cayman Islands is an excellent jurisdiction for the storage of precious metals for several key reasons:

KNOWLEDGE FOLDED INTO EVERYTHING WE DO

I N V E S T I N G I N C AY M A N

3

>

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

Banking & Structured Finance

>

Assets in storage are not reportable to authorities

>

Corporate & Commercial

Cayman enjoys a modern legal and political system and has a long history of stability.

If you would like to invest in precious metals, the following company can help:

Insolvency & Restructuring Insurance Investment Funds

Strategic Wealth Preservation (SWP)

Litigation

115 Printer Way, George Town Grand Cayman KY1-1001

Mediation & Arbitration

Tel: (345) 640 2111

Private Client & Real Estate

Email: info@swpcayman.com www.swpcayman.com

Shipping & Aviation

Strategic Wealth Preservation (SWP) is a fully-

Trusts

integrated precious metals dealer and vaulting

Venture Capital & Private Equity

facility located in Cayman. They specialise in the acquisition and secure storage of gold and silver bullion bars and coins for private

CAYMAN l BVI l HONG KONG

individuals, companies and trusts. Precious 42

CAYMANRESIDENT 2018

and stored inside their fully insured vault. SE E AD PAG E 40

ESTABLISHING A TRUST

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 71 in the Working in Cayman chapter for a comprehensive list of legal firms that can help you establish a trust and also manage any disputes related to existing trusts.

any local or foreign government or tax

Compliance & Regulatory

campbellslegal.com

metals can be purchased directly from SWP

»

INVESTING IN CAYMAN PROPERTY

Driving along Cayman’s Seven Mile Beach corridor, it is easy to forget where you are. The sleek new builds popping up along this increasingly affluent area of Grand Cayman could rival many of the top coastal communities around the world. 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’ highend market is flourishing. Fortunately, investors looking for a bargain will not be left behind. Cayman has properties that will suit every purse size and you certainly don’t need to be a high net worth individual to begin your climb up the property ladder! But with the reported low supply in


Bay’s Festival Green, allowing boats up to 18 ft to pass underneath. A 150,000 sq ft commercial building with expanded parking is planned for the Town Centre. Captial Developments such as the modernisation of the Owen Roberts International Airport will be completed in 2018. There will be opportunities for retailers and investors flying in to find modern and efficient facilities.

THE

dock and a rooftop terrace that provides panoramic views. The Dart Group is continuing a major expansion of Camana Bay, with infrastructure enhancements and new development. At the centre is the roadworks which includes the widening of the Esterley Tibbetts Highway. The Camana Bay Link, a pedestrian subway, will allow safe passage from CIS to future sports facilities and the National Gallery. The Maris Avenue bridge will provide vehicular and pedestrian access to Camana

Tell them you saw it in the

FX · EQUITIES · FUTURES · OPTIONS · BONDS · ETF’S

#1 OFFSHORE ONLINE DISCOUNT BROKERAGE FIRM

3

Cayman Islands’ only fully-licensed Broker/Dealer offering online discount trading. 5th floor 64 Shedden Road Anderson Square PO Box 2168, George Town, Grand Cayman KY1-1105 +1 345 943 3212 · info@onetradex.com · www.onetradex.com

I N V E S T I N G I N C AY M A N

condos, an investor must keep a keen eye out for deals before they are snapped up! Go West to Stone Island, an exclusive gated waterfront community in the Yacht Club with just 44 luxury residences. Each home has 4,500 square feet of living space. Outdoor amenities include 24-hour security, sweeping board walk and docking facilities for water craft. In addition to a large communal pool, each house has a plunge pool as well as access to an ‘amenity building’ that houses a children’s centre, chef ’s kitchen and owner’s wine storage. Solara is situated in Crystal Harbour and consists of 26, three-storey, three-bedroom town houses. Each residence is energy efficient and has a stunning roof top terrace with access to a resort-style pool. The Residences Magellan Quay offers investors 3,516 square foot homes that come with a private pool and garden. Each property has three bedrooms, with a highly sought after loft conversion and double car garage. Go East to find your ideal weekend retreat at Rum Point Club which is currently in construction and will boast 32 brand new beautiful beachfront condos. With the enviable property overlooking 500 feet of pristine white sand beach, this is an ideal choice for an investor looking to expand his or her portfolio. Amenities include a beachfront infinity pool, fully furnished fitness centre, spa and alfresco kitchen. This five-storey complex is also equipped with hurricane-resistant, high-impact doors and windows. Go South to snag a boutique property. The Sanctuary is on 10 exceptional acres in lovely South Sound. Located between Venetia and The Lakes, this gated community comprises of 30 garden villas ranging from three to four bedrooms. Each owner has almost 3,500 square feet of open living space that can be fully customised. Luxury lifestyle amenities include a gym, yoga studio, tennis court, spa, juice bar and much more. We hear pre-construction prices start at $899,000. Sea Haven offers 13 waterfront villas in a quiet residential neighbourhood, just minutes from Grand Harbour. Each property has a private

Useful Websites >

Cayman Islands Government Financial Services Industry Portal www.caymanfinance.gov.ky

>

Society of Trust & Estate Practitioners (STEP) www.step.org

>

Cayman Islands Monetary Authority (CIMA) www.cimoney.com.ky

>

Cayman Islands Real Estate Brokers Association www.cireba.com

>

Cayman Islands Stock Exchange www.csx.com.ky

>

>

Cayman Islands Society of Financial Analysts www.cfasociety.org

Cayman Islands Department of Commerce & Investment www.investcayman.gov.ky

>

>

CI Financial Services Association www.cayman.finance

Cayman Islands Institute of Professional Accountants www.cispa.ky

>

Cayman Islands Chamber of Commerce www.caymanchamber.ky

>

Caymanian Bar Association www.caymanbar.org.ky

>

Insurance Managers Association of Cayman www.imac.ky

>

Economics & Statistics Office www.eso.ky

>

Cayman Islands Immigration www.immigration.gov.ky

> >

Cayman Islands Compliance Association www.cica.ky Cayman Islands Directors Association www.cida.ky

»

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

43


running a

Business Photos courtesy of Deep Blue Images.

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.

RUNNING A BUSINESS

4

44

Establishing a Business - Legal Formalities - Sole Trader/Partnerships - Funds & Investment Business -Special Economic Zone Enterprises

44 44 47 50 50

Trade & Business Licensing - Incorporation/Registration - Application Process/Fees - Corporate Services

51 52 52 52

Other Formalities - Work Permits - Employee Entitlements

54 54 54

Business Services - Bookkeeping Services - Printers, Office Supplies & Electronics - Conference Facilities - Corporate Relocation Services - Independent Directors in Cayman - IT Services

55 55 56 56 56 57 57

Setting Up An Office - Commercial Office Space - Fitting out your Office

58 58 61

CAYMANRESIDENT 2018

»

ESTABLISHING A BUSINESS

C

ayman’s business community is thriving. As a well-regulated, tax-neutral jurisdiction with world-class infrastructure and political stability, the country is an ideal environment for businesses. Cayman also continues to create new legislation to enhance its business products: in 2017, landmark legislation for the formation and registration of foundation companies was enacted. Unlike traditional companies, foundation companies may have no shareholders. Read about other flexible benefits on page 48. The recent tightening of copyright laws has also provided more protection on patents and the rights of persons and companies involved in creative pursuits. As businesses diversify, no doubt in part due to Cayman’s Special Economic Zone, it is anticipated that the country will continue to attract top clientele globally. With a well-developed Common Law system based on English law, coupled 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


4

RUNNING A BUSINESS

»

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

45


RUNNING A BUSINESS

4

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 with a qualified Cayman Islands attorney. Typically, small owneroperated 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, they would use a partnership structure. 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, but many people feel the limited liability a company affords is worth the extra effort and cost. Foreign businesses that do not wish to establish a Cayman Islands subsidiary, do 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 onIsland, then depending on the nature of the ‘on-Island’ business to be conducted, some other form of local licensing will be needed. More detail 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 & 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

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

46

CAYMANRESIDENT 2018

»


advertising) and whether the proposed business will compete with 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 exempted 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. In April 2017, Cayman enacted legislation for the formation and registration of Foundation Companies. These companies allow for there being no shareholders and their objectives being entrenched. Read more about Foundation Companies on page 49. 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.

4

RUNNING A BUSINESS

Sole Trader Due to immigration requirements and the rules governing the grant of a T&B Licence, in practise, 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. 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

»

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

47


RUNNING A BUSINESS

4

to suit the needs of the financial industry in Cayman. The Cayman Islands Exempted Limited Partnership Law was enacted on July 2, 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 Exempted Limited Partnership as another innovation, in 2017 the Cayman Islands passed legislation for the introduction of Limited Liability Partnerships (LLP), which is expected to commence in late or early 2018. 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

48

CAYMANRESIDENT 2018

Âť

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 (2016 Revision). Formation of a company is swift and straightforward. Additionally, in 2016, the Cayman Islands enacted legislation that will for the first time allow 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. Thus far, the LLC is a very popular product. Having commenced on 13 July 2016, there were 342 LLCs registered as of 31 March 2017.

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

Intellectual Property Legislation The Cayman Islands 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 to the Patents Law, and a new Design Rights Law commenced on 1 August 2017. The Trade Marks Law allows persons 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

■ Company Formation / Incorporation ■ Trade & Business and other Business Licensing ■ Contracts & Agreements ■ Intellectual Property / Trade Mark Registration ■ Real Estate, Property and Conveyancing ■ Trusts, Equity and Estate Planning ■ Wills, Probate and Administration ■ Construction, Planning and Environmental Law ■ Immigration - Residency, Permits and Appeals ■ Commercial & Civil Litigation and Disputes

(345) 745 7529 | info@symonsandsymons.com 4 Tropic Centre | 18 Earth Close | Seven Mile Beach

www.SymonsandSymons.com

»

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

49

4

RUNNING A BUSINESS

Foundation Companies In 2017 the Cayman Islands will, for the first time, enact legislation for the formation and registration of foundation companies. Unlike the 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 (and 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.

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. Care should therefore be taken to ensure that the ‘off Island’ activities of the foreign company do not inadvertently create a requirement for local licensing. 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.


the Cayman Islands, while providing an incentive for local and international investors. The amendment to the current patents legislation allows patent holders – persons who create inventions such as machines, drugs, soaps, and genetic engineering procedures – 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.

RUNNING A BUSINESS

4

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

• Independent Director Services

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/regulation and assist in compliance with the formalities. Small Businesses Commerce in Cayman continues to receive support as the Government reduced the T&B Licensing fees for

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

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

• 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

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, and small businesses cannot employ more than 12 employees and exceed an annual gross revenue of CI$750,000. For comprehensive business licensing advice, please contact the Department of Commerce & Investment on (345) 945 0943. Cayman Islands Department of Commerce and Investment (DCI) The DCI licenses and regulates trade and business in the Cayman Islands. These essential functions support business owners with their compliance to 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. For more information, visit www.dci.gov.ky. Cayman Islands Special Economic Zone (SEZ) & 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’s first SEZ is Cayman Enterprise City (CEC) which is a knowledge and technology-focused special economic zone located in Grand Cayman. CEC enables businesses to easily and costeffectively 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. The zone enables companies to take advantage of the Cayman 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 50

CAYMANRESIDENT 2018

»


> > > > > > >

gains, sales, income tax and import duties in the Cayman Islands 100% foreign ownership permitted Renewable five year work/residence visas granted within five days 4-6 week fast-track set-up of operations Intellectual Property owned offshore No government reporting requirements Strategic base with easy access to lucrative North and Latin American markets On NYC/EST time zone

Eligible Market Sectors

CEC can accept companies and divisions of companies active in these key sectors: > Internet and Technology > Media and Marketing (including digital media, film and broadcasting) > Commodities & Derivatives > Biotechnology, Life Sciences and Green Technology > Maritime Services and Aviation Services

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

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

4

RUNNING A BUSINESS

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 3-4 weeks. CEC also provides offshore data-centre facilities through their strategic partner Brac Information Centre. For more information email CEC on info@caymanenterprisecity. com or call +1 (345) 945 3722 or visit www.caymanenterprisecity.com.

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. 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 LCCL from the Trade and Business Licensing Board (unless it is otherwise exempted from such requirement). The T&B Licence fee is payable every year and the application 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).

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 a tax-exempt active business income in the Cayman Islands. Work/Residency Visas for Staff

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 5 working days. Intellectual Property

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

Âť

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

51


RUNNING A BUSINESS

4

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. The Registrar of Companies may be contacted 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): 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 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 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 local 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 re-instated 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$700–US$1,250, 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. Bodden Corporate Services Tel: (345) 945 0400 Fax: (345) 945 0345 Email: info@bcsl.ky

Commercial Insurance Brokers Commercial Property | Strata | Liability

www.bcsl.ky Provides incorporation services and maintains registered offices for companies and their corporate records. The company also offers comprehensive immigration advice, assists with work permit renewals and processes Cayman

Islands

and

British

passport

applications. Bodden Corporate Services also

(345) 945 0030 www.briatgroup.com | info@briatgroup.com 52

CAYMANRESIDENT 2018

Âť

provides compliance services. SE E AD PAG E 81 Campbells Tel: (345) 949 2648


www.campbellslegal.com

Email: cayman@harneys.com

registered office and registered agent services

Campbells Corporate Services Limited (CCSL)

www.harneys.com

to companies and partnerships in the Cayman

holds an unrestricted trust licence issued by

Harneys Fiduciary is an independent provider

Islands. SE E AD PAG E S 3 & 37

the Cayman Islands Monetary Authority and

of specialised corporate, trust and fiduciary

provides a full suite of company management

services operating from key offshore and

McGrath Tonner Corporate Services

and trust services to local and offshore clients.

onshore locations around the world to an

Tel: (345) 949 2740

SE E AD PAG E 42

international client base.

Email: info@mtcscayman.com www.mtcscayman.com

Cayman Management Ltd.

Hermes Corporate Services Ltd. (Hermes)

Provides

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

Tel: (345 ) 749 7495

services to both local and international clients,

Email: enquires@caymanmanagement.ky

Email: enquiries@hcsoffshore.com

for

www.caymanmanagement.com

www.hcsoffshore.com

institutional

Cayman

Management

provides

a

corporate

and

dedicated

private

offshore

corporate

individuals

and

international,

clients

very

competitive

at

Hermes Corporate Services is a leading

rates. Company and partnership formation,

offshore

international

registered office and maintenance of statutory

administrative services including company

incorporations and corporate services. With

records, representative person, shipping and

incorporation

and

fund

its team of highly experienced professionals

aircraft registration, as well as other corporate

establishment

and

services. SE E AD PAG E 46

comprehensive

range

of

management, independent

provider

of

director

and rigorous processes, Hermes has an

services, captive insurance management and

excellent track record of providing company

yacht registration services - all with a personal

incorporations in the Cayman Islands and the

Mourant Ozannes Corporate Services (MOCS)

time responsive touch. SE E AD PAG E 50

British Virgin Islands. They offer formation and

Tel: (345) 949 4123

liquidation services, plus incorporation and on-

Email: caymanadmin@mourantozannes.com

going corporate support.

www.mourantozannes.com

Dinner Martin Attorneys Tel: (345) 745 5000

4

MOCS is a fully licensed trust company and HSM Chambers Attorneys-at-Law

mutual fund administrator. MOCS provides a

www.dinnermartin.com

Tel: (345) 949 4766

seamless administration service to companies,

Providing personalised corporate services

Email: corporate@hsmoffice.com

limited partnerships and trusts for financial

for local, offshore and special economic zone

www.hsmoffice.com

institutions,

companies at highly competitive rates. They

Providing corporate services in a responsive,

sovereign wealth funds. Services include:

also advise on the establishment and licensing

timely and cost effective manner.

incorporation and registration agents; provision

of a wide variety of businesses and investment

SE E AD PAG E S 47 & 77

of registered office; provision of company

funds. Also immigration, real estate, notarial

corporations,

managers

and

secretarial and administration services and

and bank account opening services.

Loeb Smith Attorneys

SE E AD PAG E 73

Tel: (345) 749 7590

board governance support.

Email: info@loebsmith.com

Sinclair Corporate Services & Sinclair Trust

Forbes Hare Trust Company

www.loebsmith.com

Company

Tel: (345) 943 7700

Through Loeb Smith’s regulated affiliate,

Tel: (345) 743 2626

Email: fhtc@forbeshare.com

Hermes Corporate Services Ltd, the firm offers

Email: info@sinclairsoffshore.com

www.forbeshare.com

incorporation and registered office services. It

www.sinclairs.com.ky

FHTC provides corporate, trust and fund

also incorporates companies, registers limited

The dynamic and rapidly growing Sinclair Group

services including Cayman Islands company

partnerships, maintains statutory registers,

offers practical, responsive and cost effective

formation, company administration, trustee

corporate minute books, and manages annual

Cayman business solutions, including a law

services, director services, fund administration

and other statutory payments and filings with

firm recommended in Legal 500 2017; a keenly

services and fund fiduciary services. An

the Cayman Islands Companies Registry and

priced company formation practice providing

independent business, FHTC aims to deliver

Monetary Authority. SE E AD PAG E 34

registered office, company secretarial and

value and excellent service to clients large and

directors’ services, trust formations and a full

small, including law firms, financial institutions,

Maples Corporate Services Limited

range of trust services, ship registrations, as

investment funds and private clients.

Tel: (345) 949 8066

well as notarial and other services.

SE E AD PAG E 71

Email: info@maplesandcalder.com

SE E AD PAG E 72

www.maplesandcalder.com Harneys Fiduciary

Maples Corporate Services, an affiliate of law

Solaris Corporate Services Ltd.

Tel: (345) 949 8599

firm Maples and Calder, is a leading provider of

Tel: (345) 949 0488 Fax: (345) 949 0364

»

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

53

RUNNING A BUSINESS

Email: info@dinnermartin.com


and how revenue is generated) and reason

www.solariscorporate.com

for needing the account

transactions, including source of funding of

Bank references from a current bank

initial and subsequent deposits. This can be

Certificate of Incorporation, certified by a

provided from a copy of the Business Plan

Notary Public

if the company is new or latest Financial

Articles and Memorandum of Association,

Statements if the company is already

> >

Symons & Symons Tel: (345) 745 7529 Email: stephen.symons@symonsandsymons.

>

certified by a Notary Public

com or www.symonsandsymons.com Symons & Symons is a full service boutique

>

to local and international clients. The firm

>

assists clients with company formation, business licensing and trademark registration.

Annual

report,

financial

>

personal bank account, including certified

Register

of

Members,

Officers

and

or a Notary Public The identity of each ultimate beneficial owner, director and signatory; this must

RUNNING A BUSINESS

> >

Full incorporation paperwork

be supported by a certified copy of their passports and proof 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

Written request to open a new account on

or law firm and a professional reference

company letterhead giving an overview of

from a bank that indicates a good

the business (e.g. clients, number of staff

relationship of over three years

Working for

YOU have big plans for the future YOU want to purchase a new home, a car and plan for retirement YOU know that with RBC you’re in good hands

Our team of specialists will make sure you have the best financial advice and products to help you create the future you want!

Our services include: > Savings, Chequing & Fixed Deposit Accounts > Personal Loans and Mortgages > Real Estate Financing > Credit Cards > Royal Online Internet Banking > Safety Deposit Boxes > Small Business Financing

> Merchant Services > Commercial Loans > Foreign Exchange > E-Commerce > Cash Management > Business Solutions > Private Banking

Contact any of our financial services specialists today at the following branch locations: Main Branch 24 Shedden Road P.O. Box 245 Grand Cayman KY1-1104 CAYMAN ISLANDS Tel: 345.949.4600

54

Red Bay Branch 53 Shamrock Road, Red Bay P.O. Box 245 Grand Cayman KY1-1104 CAYMAN ISLANDS Tel: 345.949.6836

CAYMANRESIDENT 2018

»

All directors, members and signatories

older than one year Directors, certified by the registered office

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:

Tax declaration form to supply all information needed for a

they have a strong commercial and civil

>

> >

Certificate of Good Standing, if business is

In addition to a broad range of practice areas, litigation background. SE E AD PAG E 49

Nature and dollar volume of anticipated

operating statements,

auditors reports or business plan

law firm that provides personalised service

4

>

Email: info@solariscorporate.com

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 have a minimum amount required to open a business account. 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. Employee Entitlements It is very likely that proposed amendments to the Labour Law could bring some significant changes, when considered by the Legislative Assembly. 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 must 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. Turn to the Working in Cayman chapter to learn about the significant changes that are being proposed to the Labour Law.

Along with the other traditional areas, many companies also provide social media and web design services. The following list of advertising agencies in the Cayman Islands offer a full range of exceptional advertising services to businesses:

finance teams along with implementation of policies and procedures. Omni Cayman Tel: (345) 547 4473 Email: info@omnicayman.com

BB&P

www.omnicayman.com

Tel: (345) 949 2933

Omni Cayman are Certified QuickBooks Pro Advisors offering professional accounting

FSH Design

services. They have a team of qualified

Tel: (345) 947 8755

professionals with over fourteen years’ experience with Cayman’s top firms such

Massive Media

as Deloitte, KPMG and BDO. Omni provides

Tel: (345) 947 6677

full service professional outsourcing, as well as individual and corporate US Tax filing and

MC2

consulting services.

Tel: (345) 946 1220 Netclues Inc. Tel: (345) 925 2222 Savage Social Tel: (345) 326 1788 Social Grace Tel: (345) 328 1552 Email: sonita@socialgrace.ky www.socialgrace.ky Social Grace is a social media marketing

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 116 in the Settling In chapter.

company offering social media management across all platforms. Tower Marketing Tel: (345) 623 6700

Accountancy & Law Firms See the Working in Cayman chapter. Bookkeeping Services Berman Fisher Limited Tel: (345) 928 4751 Email: accounts@bermanfisher.com www.bermanfisher.com Qualified Accountants providing outsourced

BUSINESS SERVICES

professional accounting, interim CFO and

Advertising Agencies, Social Media Consultants & Web Design Services There are a number of advertising agencies providing exceptional marketing, branding and public relations services in Cayman.

advisory services to both local and offshore clients. Services include payroll, accounting (corporate, personal and strata), financial statement

preparation,

agreed

upon

procedures, valuations and forensics. Berman

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

»

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

55

4

RUNNING A BUSINESS

Health Insurance & Other Benefits Employers are required to provide employees, their spouses and dependents with 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, amongst others. 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, some even including wellness and preventative options. For a list of Health Insurance Providers see the Health & Wellness chapter.

Fisher also provides training and coaching to


before anything big happens. If you witness a crime or are being threatened at your business, please contact 911 directly. The RCIP plans to launch the Business Watch programme in other areas in the future. 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.

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 Service.

Island Electronics Security & Monitoring Ltd.

Printers, Office Supplies & Electronics

Tel: (345) 949 8255

Alphasoft Tel: (345) 949 8251

RUNNING A BUSINESS

4

Anti-Business Fraud Hotline The implementation of Cayman’s landmark Anti-Fraud Policy is underway and 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 will be monitored and answered overseas by a KPMG trained operator. Callers can expect to receive a

Alphasoft is the authorised dealer and service provider for Hewlett-Packard (HP) hardware. Cayman Business Machines Ltd. PBS Group 49 Hospital Road, George Town Tel: (345) 949 8642 www.caymanbusinessmachines.ky or www.grouppbs.com CBM/PBS has been in the business machines industry for almost 40 years. They are the authorised dealer for top brands including Xerox, Lenovo, SMART, L3 Securities, Cisco, Oracle, TrippLite, Data Card and NCR. CBM has cost effective solutions for businesses of

high spec copiers and printers. Packed with electronics and accessories, they offer full IT support and repairs, plus a printing centre. They are the exclusive dealer for SHARP business machines and Aquos boards. SE E AD PAG E 57

Conference & Meeting Facilities A host of large international conferences are held in Grand Cayman at the Ritz-Carlton, the Marriott and now at the new 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 The Brasserie Conference Facility (Tel: (345) 945 0398) or email: conference@brasseriecayman.com), Caribbean Club (Tel: (345) 623 4500), Cayman Conference Centre (Tel: (345) 949 5511), The Cayman Islands National Museum on the GT waterfront (Tel: (345) 949 8368 or email: PLDdirector@museum.ky) with the Museum accepting donations in exchange for the use of their conference facilities, and Sunshine Suites (Tel: (345) 949 3000 or email: reservations@ sunshinesuites.com).

every size. A Docu-Centre printing service is available, as well as IT support. SE E AD T H I S PAG E

Corporate Office Cleaning Hew’s Cleaning Services

Kirk Office

Tel: (345) 949 0734

67 North Sound Road, George Town

www.hews-janitorial.com

Tel: (345) 623 5475

Hew’s are a family owned and operated

www.kirkoffice.ky

company and have been in the Cayman Islands

Kirk Office is Cayman’s leading office supply

since 1977. All their work is safe, professional,

store. Additionally, they are an authorised

trustworthy, efficient, friendly and caring.

retailer of Apple, HP and Lenovo, including

They specialise in maid services, offices,

computers and accessories. As the authorised

floors, carpets, upholstery, marble, windows,

Ricoh dealer for Cayman, they provide award-

janitorial, mold and microbial remediation,

winning document solutions. They also sell

water and fire restoration, as well as post-

a range of office furniture from desks to

construction cleanup. SE E AD PAG E 157

complete office remodels. SE E AD PAG E 254 Office Supply Ltd. Marquee Plaza, 36 Lawrence Boulevard, SMB Tel: (345) 946 1200 Email: info@officesupply.ky

Corporate Relocation Services The following company in Grand Cayman specialises in corporate relocation services and can take the hassle out of your move to the Cayman Islands:

www.officesupply.ky

w w w . ca y m anbu si nes s m ac h i nes . k y

56

CAYMANRESIDENT 2018

»

Office Supply Ltd. is an office products

RE/MAX Cayman Islands/ Michael Binckes

superstore stocking everything from arts,

Tel: (345) 938 3269

furniture, crafts and office supplies to tablets,

Email: michael.binckes@remax.ky


www.remax.ky

include: shipping and yacht registration, fund

MCS Ltd.

RE/MAX Cayman is a top earning, well-

services and advisory services. Their affiliate

Tel: (345) 949 8263

established real estate brokerage with a

CSI International Underwriting (Cayman) Ltd.

network of over 6,000 offices worldwide.

offers captive insurance services to clients.

Office Supply Ltd.

In addition to specialising in commercial and

SE E AD PAG E 50

Tel: (345) 946 1200

residential property sales and acquisitions,

Email: info@officesupply.ky

leasing and rentals, they provide clients with

MaplesFS

www.officesupply.ky

corporate relocation services. SE E AD PAG E 59

Tel: (345) 945 7099

Office Supply Ltd. sells on of the largest

Email: cayman@maplesfs.com

selections of office supplies on-Island and is the

www.maplesfiduciary.com

exclusive dealer for SHARP business machines

MaplesFS,

Maples

and Aquos boards. In addition to offering full IT

Fiduciary, Maples Fund Services and Maples

support and repairs to businesses in Cayman,

Private Client Services, is an independent

they are also a printing centre. SE E AD T H I S PAG E

global

through

provider

its

of

divisions

specialised

fiduciary,

fund administration, entity formation and management, insurance management and trust and private client services. SE E AD PAG E S 3 & 37

IT Services & Support Cayman Mac Store Tel: (345) 943 4763 Cayman’s Apple authorised reseller and service provider, with a full range of Macs, iPads, iPods, iPhones, Apple TV, accessories and more. Kirk iSS 67 North Sound Road, George Town Tel: (345) 623 4730 www.kirkiss.ky A two-time Microsoft partner of the year, Kirk iSS provides world-class IT services, including systems design, installation, virtualisation and

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. 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 charge a call-out fee if you want them to visit you to notarise documents. Below are a few Notary Publics and Justices of the Peace you may call:

cloud computing. They’re a registered partner of market leaders, such as VMware, Mitel,

Baysyde Biz

Citrix and more. They are also the exclusive

27 Duxies Lane, West Bay

Authorised HP Enterprise Service Centre for

Tel: (345) 917 5756 or (345) 322 4512

the Cayman Islands.

Email: baysydebiz@gmail.com

SE E AD PAG E 254

Telephone: 946-1200 E-mail: sales@officesupply.ky Open 6 days a week, 8am - 6pm Marquee Plaza, 36 Lawrence Blvd.

Cayman Management Ltd. Tel: (345) 949 4018 Email: enquiries@caymanmanagement.ky www.caymanmanagement.com Provides

independent

director

services,

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

companies.

Other

services

We provide 360° solutions to all. We offer major office supply brands, personalized service and fast delivery.

»

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

57

4

RUNNING A BUSINESS

Independent Directors in 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. The majority of new hedge funds have at least a majority of independent directors on their boards. 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 Maples and Calder 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. 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. Directors must provide references, evidence of insurance coverage, proof that the applicant has not been convicted of a serious crime or any offence involving dishonesty. In addition they must provide the Cayman Islands Monetary Authority with the names and registration numbers of the Covered Entities for which they act or propose to act as a Director.


Baysyde Biz can notarise documents during 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 company also provides secretarial services to private individuals and small businesses operating in the Cayman Islands. Sabrina Turner Tel: (345) 926 8080 Symons & Symons Tel: (345) 745 7529

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 more information on training and educational opportunities.

Email: Stephen.symons@symonsandsymons. com or www.symonsandsymons.com

Chamber of Commerce

Symons & Symons is a full service boutique

Professional Development & Training Centre

law firm that provides personalised advice

Governors Square, West Bay Road

to local and international clients and can also

Tel: (345) 949 8090 ext. 123

notarise documents for corporate institutions

www.caymanchamber.ky

and private individuals. SE E AD PAG E 49

The Chamber’s PDTC offers affordable one

RUNNING A BUSINESS

4

and two-day courses monthly, in a range of

Office Automation & Electronics

business topics including, sales, supervisory,

The Audiophile

management or customer service skills and

Tel: (345) 746 4434

certified Ken Blanchard seminars. Register online or call the Chamber today.

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

Small Business Consulting

Tel: (345) 946 8324

CayPro (Services) Ltd.

Email: info@creativetechltd.com

Tel: 345 323 5572

www.creativetechltd.com

www.cayproltd.com

Creative Tech provides business machines,

Specialising in small businesses and not-for-

computer equipment and IT infrastructure,

profit consulting and governance. Services

video conferencing, A/V automation and audio

provided: reviews to assist with organisational

visual solutions to corporate clients regardless

performance, training of staff/board directors

of company size. They are the authorised

on roles, meetings, communication, reporting

dealer for Kyocera MFPs and printers, a Dell

and transparency, and risk management.

Preferred Partner Direct, a Polycom Partner,

Assistance

and represent a host of other corporate IT

frameworks to incentivise staff, set goals,

brands.

as well as written policies and procedures. In

with

HR

function,

building

The Security Centre Limited

Corporate Social Responsibility, corporate

Tel: (345) 949 0004

partnerships, sponsorship and fundraising

From

conventional

programmes, developing and implementing locks,

to

cutting-

long term strategic development plans.

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

Professional Training A lot of the professional 58

training

CAYMANRESIDENT 2018

»

Translation Services The Immigration Department 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 lianet@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. SETTING UP AN OFFICE

the not-for-profit sector, they can help with

Email: info@security.ky

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.

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

COMMERCIAL OFFICE SPACE The Grand Cayman office space rental market is one of the strongest in the Caribbean region with high demand for all classes of office space traditionally in the region of 75,000 sq ft to 125,000 sq ft per annum, primarily from the offshore financial sector. In recent years, however, the absorption rate has been at the lower end of this range, although this has seen a rise during 2016 and the first half of 2017. The market comprises of close to 3.5 million square feet of office space in all classes, which breaks down to roughly 1.25 million square feet of Class A space, 2 million sq ft of Class B space and the remainder as Class C. Approximately a further 250,000 sq ft of class A office space is currently under development and will be delivered during 2017 to 2018. Average vacancy rates vary by class and location, from as low as 2-3% for Class


centre once again. This is especially the case with law firms who need court access and small to medium-sized firms in the offshore finance industry, who would prefer to transfer their rent savings to their bottom line. As such, the current prognosis for George Town looks positive, especially bearing in mind the potential for a new cruise ship dock that will likely bring new restaurants and other amenities back into the capital. It could also bring new amenities such as boutique hotels, pedestrianised shopping and entertainment areas, offering the opportunity for development of some buildings for mixed use, including a residential component.

rentals and sales, there are only a handful of professionals on Grand Cayman that specialise in commercial properties. These professional companies are below:

Office Space Availability If you are planning to lease office space in Cayman, you would be well advised to 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

Dart Realty (Cayman) Ltd.

Cannon Place Tel: (345) 945 3517 Email: richard@rpmcayman.com www.cannonplace.ky Cannon Place is a business centre with 51 rental units centrally located in George Town. Each office suite, board room and training room is fitted out to the highest standard with contemporary furniture and utilities, water, electricity and Wifi is included in the rent. A convenient onsite coffee shop serves light snacks. SE E AD PAG E 60

Tel: (345) 640 4000

4

Email: info@dartrealestate.com www.dartrealestate.com Dart Real Estate has developed more than $1.3 billion in mixed-use, residential, commercial, recreational,

»

educational

and

hospitality

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

59

RUNNING A BUSINESS

A+ to A space, 5-10% for Class A- to B+ and around 15%-20% for Class B and C space. 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 30% to 50%. 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 in that trend, and uptake in the old George Town market has increased as buildings have been renovated and sometimes repurposed and landlords have offered attractive rents and other incentives. Class A+ to A space is predominantly now found in development type locations such as Camana Bay and Cricket Square on Elgin Avenue. These consist of hurricane rated buildings, typically at elevations well above the Hurricane Ivan flood plain of 8’, with ample parking and high quality on-site amenities including restaurants, conference facilities and gyms. Rental rates range on a triple-net basis from US$43 to US$55 per sq ft per annum in the class A+ to A market sector, with the highest rents in Camana Bay, to US$30 to US$40 per sq ft in the Class A- to B+ market sector, falling to US$20 to US$28 per sq ft per annum in the Class B market. Service charges (otherwise known as Common Area Maintenance or CAM) range from between US$15 to US$18 per sq ft per annum in developments such as Cricket Square and Camana Bay, where infrastructure costs are higher, to between US$11 to US$14 per sq ft per annum in standalone office buildings in other locations. More recently, as gross rent rates in developments such as Camana Bay and Cricket Square have risen to between US$65 – US$74 per sq ft per annum and those in central George Town have remained at not much more than half this amount, increasing numbers of tenants as mentioned, are now choosing office space located in buildings within George Town


properties in the Cayman Islands. Among its

broker, specialising in the leasing, sale,

A property development and management

leasing portfolio is Camana Bay, which boast

acquisition and analysis of office, retail and

company specialising in commercial properties.

over 850,000 square feet of retail, office and

general commercial space in Cayman. IRG

Properties

residential space, as well as Regatta Office Park

provides tenant and landlord representation

Countryside Shopping Village and Kingbird,

and Flagship Building. Each property is serviced

services to a wide range of owners, investors

Barcadere and Universal Warehouse Parks

by a world-class property management team.

and tenants, as well as strategic advice on

in the Industrial Park area. Office Suites are

SE E AD PAG E S 130 & 185

property asset management. SE E AD PAG E 133

available at Centennial Towers and for rent at

include

Centennial

Towers,

Countryside Shopping Village. International Realty Group IRG/Jeremy Hurst

Heritage Holdings Ltd.

Tel: (345) 623 1111

Tel: (345) 945 4204 or (345) 943 4929

Email: jeremy@irg.ky or www.irgcayman.com

Email: info@heritageholdings.ky

RE/MAX Cayman Islands/ Michael Binckes

IRG is Cayman’s leading commercial property

www.heritageholdings.ky

Tel: (345) 938 3269

SE E AD OP P OSI T E PAG E

Email: michael.binckes@remax.ky www.remax.ky RE/MAX

Cayman

is

a

top

earning,

independently-owned real estate brokerage firm with a network of over 6,000 offices worldwide. They specialise in commercial and residential property sales and acquisitions, leasing and rentals and corporate relocation

4

services. With access to Cayman’s MLS listings, they are able to provide sound advice

RUNNING A BUSINESS

on Cayman’s property market. SE E AD PAG E 59 Rhulens Cayman Tel: (345) 938 1000 New York Tel : 1 (917) 836 9108 Email: sloane@rhulens.com www.rhulens.com Rhulens offers comprehensive commercial real estate solutions with over 20 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.

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 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 Dept. for building code approval. 60

CAYMANRESIDENT 2018

»


FITTING OUT YOUR OFFICE Telephone, Internet & Data The Cayman Islands benefits from some of the best Telecoms services in the world. There are 4 main providers, C&W Business, FLOW, C3, Digicel and Logic offering a varying range of services and delivery mechanisms. Two networks offer mobile phone service, FLOW and Digicel, both offering LTE data with speeds comparable to the US and Europe, and often faster.

back up, business continuity, virtual data centres. Many of the choices will make setting up a business simple and easy. 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 diverse and redundant 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 in the Cayman Islands 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 work to set up your business on-Island.

4

Tell them you saw it in the RUNNING A BUSINESS

Costs to Prepare Office Space Cost depends 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 it would be safe to say there is now an abundance of older properties available. New office space with only perimeter walls, one to twohour 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 in Cayman will offer a standard fit-out 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.

Signal 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, Blackberry and other smart phones. Always check the cross-carrier rates to help in choosing what’s best for your business. International mobile phone roaming, like anywhere in the world, can be very expensive, but some business plans offer discounted roaming plans for customers that travel often. As a startup business, whether small or large, 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). Also, you may want to consider managed IT infrastructure and services being offered by some telecom operators, such as Cloud

THE

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. Find an interior designer in Cayman on page 174.

r out ou Ask ab house are NEW w nder k r pa u ction constru w o n !

FOR SALE NOW

sales@heritageholdings.ky

»

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

61


Working in Cayman

Photos courtesy of Deep Blue Images and Monika Wojtkiewicz.

How to find a job in the Cayman Islands, the different jobs available and details of Cayman’s recruitment companies, accounting and law firms. Also insights into the Labour Law and pension changes brought in by the National Pensions Law 2016.

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

5

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

62 62 65 65 65 66 67 69

Accounting & Auditing Firms

70

Legal Services & Attorneys-At-Law

71

F

or decades the Cayman Islands has maintained its status as a desirable jurisdiction to be employed, attracting financial services and tourism professionals worldwide. Jobs in other sectors— medical, construction, retail— exist mainly to meet the demands of the local market. The country has a well-educated local workforce, but traditionally there have been more positions to be filled than there are qualified candidates, although that is changing. Foreign workers still make up a large percentage of the workforce, and come from over 130 countries, from Argentina to Zimbabwe. With continued growth, employment opportunities will continue to be present within the two pillar industries that fuel Cayman’s economy - tourism and finance. The new Kimpton Seafire and Margaritaville Resort, as well as other developments happening in

62

CAYMANRESIDENT 2018

»

the eastern districts, will create many employment opportunities for workers with experience in tourism. Providing pensions for full time workers is mandatory in Cayman, and a minimum wage of CI$6 per hour was introduced back in March 2016. More recently, Cayman held its elections in 2017; hopefully the new administration will continue work on modernising the Labour Law to give added protection to workers by increasing maternity and paternity leave and setting out strict anti-sexual harassment provisions. Read on to learn more. 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. This can be something of a minefield for the uninitiated. 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 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


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 on the Island and that any significant changes to the person’s role within the organisation, must be approved by Immigration prior to the individual taking up this role. If you want to take up employment with a different company on the Island 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 Caymanian job-seekers. 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 commission-based sales positions. Rules on Residing on-Island Whilst a Work Permit is Processing

The immigration authorities generally dictate that individuals should not be

present in the 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 Immigration before your Temporary Permit expires. Generally speaking, absent special circumstances or the consent of the Chief Immigration Officer, 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 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 Cayman. 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, an affidavit 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 private school confirming acceptance is required (expat children are only allowed to attend private schools). Where appropriate, arrangements for home schooling can be made. The Immigration Department will consider, along with other factors, your ability to financially support your dependants. Dependants can be added to a temporary work permit. See the Immigration chapter

»

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

63

5

W O R K I N G I N C AY M A N

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 Immigration (commonly referred to simply as “Immigration”). 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 Immigration that they have tried to fill the position with a Caymanian. In order to do so, the employer must first advertise the position locally 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, twenty-five 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 that a work


Fidelity has Personalized Your

‘Must Do’ MOVE IN CHECK LIST!

WEEK 1

Relocating is never easy, so let Fidelity help with - The Big Move!

WEEK 2

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

5

MONEY

Now that you’ve arrived, make sure your money follows

A Fidelity representative is ready to discuss all your banking.

Financial Centres         Dr. Roy’s Drive: 949.7822 West Bay Road: 949.7822

HEALTH

Family moving to another country usually means that your local health care coverage won't extend overseas.

The Fidelity Health Team can help find the right insurance plan for you, and every member of your family!

Jennifer Pratt Financial Centre Dr. Roy’s Drive: 949.7822

SOCIAL

Gym, Beaches, Weekend Fun

You do have friends in Cayman – right @ Fidelity. Our Customer Service Team can answer any question… or find the person that will!

Customer Service Financial Centre West Bay Road: 949.7822

The experienced Fidelity Health Team can help with all of your local insurance needs. Call for a quote it’s free!

Yolanda Whittaker Richard Scrivens Financial Centre         Dr. Roy’s Drive: 949.7822

Saving for your future doesn’t have to stop just because you’ve relocated.

Jennifer Pratt Financial Centre West Bay Road: 949.7822

It’s Fidelity’s unique programme that rewards clients with valuable points, redeemable for the things you actually want.

Financial Centres         Dr. Roy’s Drive: 949.7822 West Bay Road: 949.7822

WEEK 3

INSURANCE

PENSION VISA

Auto, Home, Business

Nest Egg Planning

Can You Say: Freedom Points!

Cayman Financial Centres DR. ROY’S DRIVE 64

CAYMANRESIDENT 2018

»

WEST BAY ROAD


for restrictions on who can be named as a dependant whilst living in Cayman. Work Permit Term Limits ‘The Roll Over’ Policy

Finding a Job Although reducing in number, there are still many employment opportunities available in the Cayman Islands. However, if you are residing overseas, it can be very difficult to persuade local companies to take your employment application seriously. 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 24,000 work permits in issue as of 2017, many apparent vacancies will actually turn out to be for

Financial Services Professionals Many positions exist for professionally qualified accountants, particularly those with investment 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 market place. 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 In 2015 significant changes were proposed to the current Labour Law, and although the bill has not yet been passed, we believe it is prudent to outline some of the changes

that have been proposed. We also strongly advise you to become familiar with your employee handbook, the Labour Law (2011 Revision) and the Labour Relations Bill, 2015. Considerable changes will be made in the future. Listed below are some highlights from the public consultation version of the Labour Relations Bill, 2015: Sexual Harassment: The Gender Equality Law, as well as the Labour Relations Bill, explicitly states that sexual harassment is illegal in the Cayman Islands. Maternity & Paternity Leave: The Labour Relations Bill (2015) stipulates that at least 14 weeks must be granted for maternity leave. Additionally, the Bill entitles pregnant female employees, who meet eligibility rules, to be allowed to attend antenatal care appointments during working hours. While the amount of maternity leave is proposed to increase from 12 to 14 weeks, the amount of paid maternity leave remains the same (4 weeks full pay; 4 weeks half paid and 6 weeks no pay). The Bill introduces paternity leave by proposing that fathers are entitled to at least five days (paid) paternity leave and five days unpaid. Paid adoption leave is also being proposed for the first time for male employees. Holiday Pay: According to the 2011 Labour Law, each employee is entitled to 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. However, since Cayman has such a mix of US, UK and Caribbean companies, with varying policies, an employer may be excused for going beyond the statutory minimum. The Labour Relations Bill stipulates that employers must offer two weeks’ vacation to employees who have been employed for a year. Constructive Dismissal: Where an employee has experienced constructive discharge— that is an employer creates or allows for circumstances in the workplace such as harassment, discrimination, etc. to continue and the employee is left with

»

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

65

5

W O R K I N G I N C AY M A N

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 Residence (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 our Immigration chapter and people are encouraged to check our website for updates on new legislation. The point system for PR provides workers with greater transparency and certainty. This system permits everyone who qualifies to apply for Permanent Residence following a clear and objective set of criteria.

a prospective 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 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.


no other reasonable option but to resign— he or she may make a complaint to the Director of the Department of Labour and Pensions and the complaint may be heard by a Labour Tribunal. Constructive dismissal is silent in the Labour Law, 2011 and the only remedy available is to apply to the Grand Court. Caymanians: For employers, the Labour Relations Bill (2015) proposes that if a Caymanian is deemed “overqualified” for a position, this will not make that person ineligible for hire. Furthermore, to protect the local workforce, the Bill proposes that giving preference to hiring a Caymanian is considered legal and not discriminatory. It is illegal, however, to discriminate against someone based on their sex, race, religion, age, pregnancy, disability, politics and several other categories under the law. National Pensions Law 2016 The National Pensions (Amendment) Law was passed in May 2016. Over 50 provisions were revised so we 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. 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$60,000 to CI$87,000. The National Pensions Law continues to allow workers to claim early retirement. For more information on the National Pensions Law, please visit www.dlp.gov.ky or to report breaches of the Law, contact the confidential hotline on (345) 945 3073.

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

5

Overtime & Weekend Hours Many people in the Cayman Islands work long 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 Cayman. Check the Ministry of Education, Employment and Gender Affairs’ website: www. education.gov.ky for more information. The Cayman Islands Society for HR Professionals (www.cishrp.ky) is a great resource.

66

CAYMANRESIDENT 2018

»


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:

>

>

local licence to work in the Cayman Islands. Plumbers are licensed by the Plumber’s Examination Board and should contact the Water Authority about specifics of

Construction: Management positions are

the

usually hired from overseas simply because

Electricians must satisfy the CI Electrical

there are not enough qualified Caymanians

Board of Examiners that their qualifications

to fill these posts. We recommend that you

meet the requirements of the Electricity

find a list of local construction companies

Regulations. Call the Planning Department

in the Yellow Pages (www.findyello.com)

on (345) 244 6501 for more information.

and contact them directly. When a position

In all cases, a certified copy of your licence,

becomes available, these companies tend

trade references and a recommendation

to go through the resumés on file to see if

from a previous Cayman employer must

someone is qualified for the position. The

be submitted along with your application.

construction industry has experienced a

You will not receive a work permit until

recovery, due to the increase in large scale

you have completed this process. Qualified

residential and commercial construction

MEP workers should contact local MEP

projects in the past five years.

companies directly to see if there are any

CI Government: As with all civil service jobs,

vacancies. A list of these companies can be

the Cayman Islands’ Government prefers

found in the local Yellow Pages.

people to submit an official application form,

>

electrical and plumbing workers require a

>

process

(www.waterauthority.ky).

5

Grocery: The local grocery stores are often

a resumé and a cover letter. Visit www.gov.

looking for staff and they welcome direct

ky/recruitment for jobs.

contact. Foster’s Food Fair has several

Electricians and Plumbers: Legally, all

locations and you can reach the right contact

175753-Ad-Resident-third-Pg.indd1 1

»

9/20/17 12:38:03 PM

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

67

W O R K I N G I N C AY M A N

Other Skills & Professions For those with qualifications, skills or ambitions not related to financial 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 have access to 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 counseling 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 and 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 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 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


either through mail (PO Box 10400, Grand

quickly snapped up by qualified Caymanians.

fully registered in Australia, Canada, Jamaica,

Teaching Positions: Teaching and Education

the UK, New Zealand, South Africa and the

careers@fosters-iga.com. For Kirk Market,

jobs in the Government schools are

US may be eligible to practice in the Cayman

you can either send enquiries via mail (PO

advertised on the Ministry of Education’s

Islands once they have become registered

Box 10132, Grand Cayman KY1-1002) or

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

with the appropriate Council. Presently,

submit an application at www.kirkmarket.

December and February every year. When

doctors with specialist training are preferred

ky/employment-application.

Cayman KY1-1004) or HR department email:

>

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

5

>

For

>

those

you apply for a job, a cover letter and an

at all registered health care facilities.

seeking employment at Hurley’s, you can

official application should be submitted. The

Please visit the Department of Health

view job vacancies on their website www.

application form is available on the website.

Regulatory Services’ website for complete

hurleys.ky/jobs or email: recruitment@

Any information or enquiries should be

information about the registration process

hurleysgroup.com.

addressed to the Recruitment Manager of

and requirements at www.dhrs.gov.ky. For

Hospitality Industry: Hotels and restaurants

the Ministry of Education, Youth, Sports,

more information on recruitment at the

usually hire in September and October to

Agriculture & Lands and everything you

Cayman Islands Health Services Authority

fill positions in time for high season, which

need can be found on the Ministry of

(HSA), please visit the Employment and

starts in December. Visit the Good Taste

Education’s website. You can also email:

Training section on www.hsa.ky. The CTMH

website at www.caymangoodtaste.com to

edu.recruitment@gov.ky with questions or

Doctors Hospital, a private hospital, is happy

contact the restaurants of your choice. It is

applications and the HR services team will

to receive resumés directly by email at

recommended that you mail your resumé

usually respond to your enquiry within two

careers@doctorshospitalcayman.com

directly to specific restaurants and those

weeks. This department is also responsible

by post (PO Box 2000, Grand Cayman KY1-

that are interested will call to interview

for the recruitment of all jobs within the

1104). Health City Cayman Islands is a private,

you over the phone. Frequently available

Ministry of Education, so positions other

Institutional health care facility with Medical

positions include guest service agents,

than teaching are available throughout the

Tourism designation and employs (accepts)

food and beverage servers and bartenders.

year. Employment contracts are generally

applications

Seasonal permits for six or eight months are

two-years in length and include a range of

professionals from around the world. Email

easily obtainable for employers.

benefits. Further contracts are often offered,

IT: There is some demand for expats in IT

subject to an annual performance process.

positions, but Caymanians are very well

Teachers are recruited from a wide range of

demand for corporate administrators and

qualified in this field. Positions are available

countries, with Caymanian, Jamaican, British,

legal secretaries in support roles and these

in the software development and network

American and Barbadian teachers currently

positions are generally filled by employment

administration fields, however, the roles

the highest represented nationalities in

agencies. An employment agency will often

are generally for a limited time (possibly

Government schools. Vacancies for all

hold a six-month work permit for you that

five years maximum). It should be noted

Government roles are listed on the www.

will then turn into a full-time position with

that these positions are often filled through

recruitment.gov.ky. Teaching positions also

a company you have temped for. There are

employment agencies. For these reasons,

regularly come up in the private schools (for

a few PA positions, but these positions are

expats might also have more luck finding a

private schools you need to apply directly

generally filled by Caymanians. Support staff

job in a software consultancy firm than one

- see the Education chapter for a list of

in accounting firms also tend to be local.

in-house at a large company. IT positions are often advertised in the local papers and

schools).

>

from

qualified

or

healthcare

your resumé to careers@healthcity.ky.

>

>

Health Field: Medical professionals (MPs)

Office Support Staff: There is a high

Luxury Retail: The major recruiters in the retail field are Island Companies and 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.net. The latter has an official online application form on their website, www.kirkfreeport.net.

>

Sales: Sales jobs in Cayman usually have a

commission-based

component

and

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 68

CAYMANRESIDENT 2018

»


and then send your resumé. Real estate companies and media houses are often hiring sales people.

>

Telecommunications:

Staff

are

most

often hired locally and promoted from within the particular business. Some jobs do occasionally become available and in these cases, recruitment is done through employment agencies. See the Settling In chapter for a list of the telecommunication companies in Cayman.

>

Caribbean

Utilities:

CUC,

the

local

electricity company, hires most of its staff locally; they are very pro-Caymanian and will always look to promote from within the organisation. They are an excellent example of a company very committed to investing in and developing their employees. If any jobs do become available, it is usually in the very technical field. If you have the appropriate technical skills, you may email

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. Many agencies will find full-time employees, but will also recruit temporary staffing and consultants if necessary. Some of the larger agencies also serve clients located in other offshore financial jurisdictions such as Bermuda, the British Virgin Islands and the Channel Islands. Certain agencies also offer extensive training programmes to their candidates they recruit and provide immigration advice to their clients. There are a few recruitment agencies that are operating in the Cayman Islands. See below:

When Recruitment Feels Right Find out why SteppingStones is the island’s leader in recruitment, both for candidates and clients. email: info@steppingstonescayman.com phone: 345.946.7837 www: steppingstonescayman.com

5

your resumé to careers@cuc.ky or visit www.cuc-cayman.com and go to Careers.

Affinity Recruitment Ltd.

Other: Dart is another corporation that

2nd Floor, Piccadilly Centre, Elgin Avenue, GT

may be seeking motivated employees.

Tel: (345) 943 2020

Visit their website at www.dartenterprises.

Email: info@affinity.ky

biz/careers.html or email your resumé to

www.affinitycayman.com

dartconfidential@dartcayman.com.

Specialising in: Permanent and executive

W O R K I N G I N C AY M A N

>

recruitment, temporary staff assignments,

Ready2Work KY The Ready2Work KY programme is designed to support employers as they make efforts to employ Caymanians, and it supports 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. Cayman’s Chamber of Commerce believes this is a rewarding initiative that will benefit local businesses and greatly enrich the community, so if you are an employer or potential employee in the Cayman Islands who would like to participate in Ready2Work KY contact (345) 945 3114 or email: ready2work@gov.ky.

corporate immigration services, payroll and benefit administration. SE E AD OP P OSI T E PAG E Baraud 1st Floor, Elgin Ct, Elgin Avenue, George Town Tel: (345) 945 1781 CML Offshore Recruitment Grand Pavilion Commercial Centre West Bay Road, Seven Mile Beach Tel: (345) 949 1345 Email: info@cml.ky or visit 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 financial services, legal and IT recruitment, CML works with candidates from entry level, through to experienced

professional,

managerial

and

executive.

Recruitment & Employment Agencies With the Cayman Islands being a global

»

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

69


Personnel 2000

people who have first-hand experience of living

Suite 3119, Market Street, Camana Bay

and working offshore.

Tel: (345) 945 8367 Email: careers@personnel2000.com

SteppingStones Recruitment Ltd.

www.personnel2000.com

3rd Floor, Fidelity Financial Centre, SMB

Specialising

in:

Executive

recruitment,

Tel: (345) 946 7837

temporary office staff, immigration services,

Email: jobs@steppingstonescayman.com

skill testing, payroll and benefits administration

www.steppingstonescayman.com

for local and international business and

Specialising

professional resumé writing.

permanent and executive recruitment, corporate

in:

Temporary

support

staff,

professional societies in Cayman, focused on promoting and preserving the local accounting profession. CIIPA is also responsible for regulating and licensing audit practitioners, member training and support. CIIPA is a full member of the International Federation of Accountants (IFAC). For more information: www.ciipa. ky, admin@ciipa.ky or (345) 749 3360. SE E AD PAG E 67

immigration services, payroll and benefit Nova

administration, staff training and development.

Baker Tilly (Cayman) Ltd.

Grand Pavilion Commercial Centre

SE E AD PAG E 69

Governors Square, 23 Lime Tree Bay Avenue PO Box 888, Grand Cayman KY1-1103

West Bay Road, Seven Mile Beach Tel: (345) 949 1345 Highbury Consulting Tel: (345) 328 0555 Email: cayman@highburyconsulting.com www.highburyconsulting.com

5

Highbury Consulting specialise in recruitment services for the offshore financial services,

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

legal, and IT sectors. With consultants based in the UK and the Cayman Islands candidates receive honest straightforward advice from

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) formerly CISPA, is one of the oldest and largest

Tel: (345) 946 7853 Email: info@bakertillycayman.com www.bakertillycayman.com Baker Tilly (Cayman) Ltd. is an independent member of Baker Tilly International and is a leading firm of Chartered Accountants and Business Advisors in the Cayman Islands. They provide a wide range of services to companies domiciled in the Cayman Islands, in particular Mutual Funds and captive insurance companies registered with the Cayman Island Monetary Authority. BDO Governors Square, 23 Lime Tree Bay Avenue PO Box 31118, Grand Cayman KY1-1205 Tel: (345) 943 8800 Email: mail@bdo.ky Deloitte 2nd Floor One Capital Place, Shedden Road PO Box 1787, Grand Cayman KY1-1109 Tel: (345) 949 7500 Email: cayman@deloitte.com EY 62 Forum Lane, Camana Bay PO Box 510, Grand Cayman KY1-1106 Tel: (345) 949 8444 Email: ernst.young@ky.ey.com Grant Thornton 5th Floor, Bermuda House, George Town PO Box 1044, Grand Cayman KY1-1102 Tel: (345) 949 8588 Email: info@ky.gt.com

70

CAYMANRESIDENT 2018

»


KPMG Century Yard, Cricket Square, George Town PO Box 493, Grand Cayman KY1-1106 Tel: (345) 949 4800 Email: kpmg@kpmg.ky KPMG provides audit, tax and advisory services. EisnerAmper Cayman Ltd. Century Yard, Cricket Square, George Town PO Box 1782, Grand Cayman KY1-1109

magic circle firms, positioning the Cayman Islands as one of the premier jurisdictions for legal services. Most top firms specialise in corporate and international finance law, focusing on investment funds, capital markets and structured finance. Others focus primarily on litigation. Below you will find a list of some of the top law firms operating in the Cayman 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. SE E AD PAG E 42

Carey Olsen 1st Floor, Willow House, Cricket Square, GT Tel: (345) 749 2000 Email: info@careyolsen.com

Tel: (345) 945 5889 Email: bleung@eisneramper.ky

Appleby

Collas Crill

www.eisneramper.ky

Appleby Tower, 71 Fort Street, George Town

2nd Floor, Willow House, Cricket Square, GT

EisnerAmper Cayman Ltd. are approved by the

Tel: (345) 949 4900

Tel: (345) 949 4544

Cayman Islands Monetary Authority to audit

Email: cayman@applebyglobal.com

Email: cayman@collascrill.com

trusts. They are experts at conducting audits

Bodden & Bodden Attorneys-at-Law

Conyers Dill & Pearman

under International Standards on Auditing and

2nd Floor, Caribbean Plaza, North Building

2nd Floor Boundary Hall, Cricket Square, GT

US GAAS. Their focus is on financial services

878 West Bay Road

Tel: (345) 945 3901

companies, commercial companies, as well

Tel: (345) 943 0303

Email: cayman@conyersdill.com

as the Cayman Chamber of Commerce and

Email: info@boddenandbodden.com

Cayman Finance. SE E AD OP P OSI T E PAG E

www.boddenandbodden.com

Dinner Martin Attorneys

hedge funds, captive insurance companies and

5 3rd Fl, One Capital Place, Shedden Road

and provides advice to both offshore and local

Tel: (345) 745 5000

18 Forum Lane, Camana Bay

clients. Practice areas are commercial and

Email: info@dinnermartin.com

PO Box 258, Grand Cayman KY1-1104

residential conveyancing, immigration law and

www.dinnermartin.com

Tel: (345) 949 7000

services, employment law, Trade & Business

A full-service boutique law firm advising on a

Email: caymanrecruiting@ky.pwc.com

licensing, trust, probate, wills and estate matters.

wide variety of practice areas including: civil

Bodden & Bodden is affiliated with Bodden

litigation, investment funds, corporate law,

Corporate Services Ltd. SE E AD PAG E 48

insolvency and restructuring, business licensing,

Rawlinson & Hunter Windward 1, Regatta Office Park, West Bay Road

conveyancing, immigration and the Labour Law,

PO Box 897, Grand Cayman KY1-1103

Campbells

wills, probate and estate planning, trademarks

Tel: (345) 949 7576

4th Floor, Willow House, Cricket Square, GT

and aircraft/vessel registration. Notary Public

Email: mail@rawlinson-hunter.com.ky

Tel: (345) 949 2648

services are also available. SE E AD PAG E 73

www.campbellslegal.com ZOLFO Cooper

Campbells is a full service offshore law firm

Forbes Hare

2nd Floor, Suite 4208, Canella Court

established over 45 years ago. From their offices

Cassia Court, Camana Bay

38 Market Street, Camana Bay

in the Cayman Islands, the British Virgin Islands

Tel: (345) 943 7700 Fax: (345) 943 7702

PO Box 776 , Grand Cayman KY1-9006 Tel: (345) 946 0081 Email: information@zolfocooper.ky

Legal Services & Attorneys-At-Law There are over 40 law firms operating in the Cayman Islands. Many of these top firms have a strong global presence and are internationally renowned. Quite a number of Cayman’s local firms have several offices conducting business around the world— from London to Hong Kong and as a result, attract top talent from London’s

»

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

71

W O R K I N G I N C AY M A N

A well-established boutique firm that represents PwC


Email: cayman@forbeshare.com

Email: cayman@harneys.com

employment and immigration services.

www.forbeshare.com

www.harneys.com

SE E AD PAG E S 47 & 77

An independent offshore law firm practising

Harneys is a leading international offshore law

Cayman Islands and British Virgin Islands (BVI)

firm. They provide the world’s top law firms,

Kobre & Kim

law from offices in the Cayman Islands, BVI,

financial institutions and corporations with legal

Suite 3207, 9 Forum Lane, Camana Bay

London and Singapore. Core practice areas

and corporate services relating to British Virgin

Tel: (345) 749 4000

are litigation, insolvency, corporate, finance,

Islands, Cayman Islands, Bermuda, Cyprus and

Email: contact.us@kobrekim.com

investment funds, real estate, trusts and

Anguilla law from more than 12 offices around

private client (including immigration, residence

the globe.

KSG Attorneys-At-Law 4th Floor, Harbour Centre, George Town

and licensing). Ancillary services companies provide trust and fiduciary, company formation,

Higgs & Johnson

Tel: (345)949 0003

fund administration and accounting services.

2nd Floor, Willow House, Cricket Square

Email: admin@ksglaw.ky

SE E AD PAG E 71

Tel: (345) 949 7555 Email: cayman@higgsjohnson.com

Giglioli & Company

Legal Chambers Cayman Ltd. 2nd Floor, 62 Hospital Road Plaza (Unit H)

4th Floor, Kirk House, Panton Place, GT

HSM Chambers Attorneys-at-Law

Tel: (345) 936 5222

Tel: (345) 949 0999

68 Fort Street, George Town

Email: info@LegalChambersCayman.com

Tel: (345) 949 4766 Fax: (345) 946 8825

WI NOVREKSI N T IGN IGN I C N ACYAMYAMNA N

5

Hampson and Company

Email: info@hsmoffice.com

Loeb Smith

5th Floor Citrus Grove, George Town

www.hsmoffice.com

Suite 329, 10 Market Street, Camana Bay

Tel: (345) 623 7788

HSM lawyers advise on the principal areas

Tel: (345) 749 7590

of corporate and commercial litigation and

Email: info@loebsmith.com

Harneys

insolvency, property, private client and trusts.

www.loebsmith.com

4th Fl, Harbour Place, 103 South Church Street

They have specialist lawyers handling business

Loeb Smith is a corporate law firm serving

Tel: (345) 949 8599

establishment in the Cayman Islands and related

clients globally with outstanding Partner-led service at competitive rates. The firm specialises in investment funds, capital markets, mergers and acquisitions, private equity transactions, general

corporate,

banking

and

finance,

insolvency and corporate restructuring, and commercial litigation. SE E AD PAG E 34 Maples and Calder Ugland House, South Church Street, GT Tel: (345) 949 8066 Email: info@maplesandcalder.com www.maplesandcalder.com A leading international law firm advising financial, institutional, business and private clients worldwide on the laws of the Cayman Islands, Ireland and the BVI. With a network of locations around the world, the service provided is enhanced by the strong relationships the firm has developed with leading legal counsel in major financial and commercial centres. SE E AD PAG E S 3 & 37

McGrath Tonner 5th Floor, Genesis Building, George Town Tel: (345) 949 2740

www.sinclairs.com.ky info@sinclairsoffshore.com

72

CAYMANRESIDENT 2018

Email: info@mcgrathtonner.com

Âť


www.mcgrathtonner.com

Sinclairs

immigration, wills and estate planning and trust

McGrath Tonner specialises in all areas

3rd Floor, Genesis Building

formation. SE E AD PAG E 49

of litigation and dispute resolution, civil

Genesis Close, George Town

commercial and criminal litigation, corporate

Tel: (345) 743 2626

Travers Thorp Alberga

law, administrative law, matrimonial and all

Email: info@sinclairsoffshore.com

2nd Floor, Harbour Place

aspects of family law. SE E AD PAG E 46

www.sinclairs.com.ky

103 South Church Street, George Town

Recommended in Legal 500 Offshore 2017,

Tel: (345) 949 0699

Mourant Ozannes

Sinclairs is a dynamic and rapidly growing law

Email: info@traversthorpalberga.com

94 Solaris Avenue, Camana Bay

firm which offers practical, responsive and

Tel: (345) 949 4123

cost effective advice and representation in

Turners

Email: caymanislands@mourantozannes.com

the following areas: Litigation and insolvency,

4th Floor Century Yard, Cricket Square

www.mourantozannes.com

corporate and commercial, trusts and private

George Town

A leading offshore law firm that advises on the

client, employment law. Sinclairs also offers

Tel: (345) 943 5555

laws of the British Virgin Islands, the Cayman

notarial services through its two notaries.

Email: info@turners.ky

Islands, Guernsey and Jersey, with a presence

SE E AD PAG E 72

in each of these jurisdictions, as well as offices

Walkers Solomon Harris

Tel: (345) 949 0100

world’s leading financial institutions, public

3rd Floor, FirstCaribbean House, George Town

Email: info@walkersglobal.com

companies, corporations and fund promoters,

Tel: (345) 949 0488

Walkers provides legal, corporate and fiduciary

as well as high net worth individuals.

Email: info@solomonharris.com

services to corporations, financial institutions,

www.solomonharris.com

capital markets participants and investment

Nelson & Company

Solomon Harris advises international and

fund managers.

31 The Strand Shopping Centre

domestic clients on all aspects of Cayman Islands

46 Canal Point Drive, Seven Mile Beach

law. Their sector expertise includes funds,

Tel: (345) 949 9710

regulatory and compliance, insurance, banking,

Email: info@nellaw.com

trusts,

Tell them you saw it in the

restructuring/insolvency,

local business licensing, immigration, and real Ogier

estate. Registered office services are available

4th Floor, 89 Nexus Way, Camana Bay

through their affiliate, Solaris. SEE AD PAGES 33 & 83

Dinner Martin attorneys

Tel: (345) 949 9876 Email: cayman@ogier.com

Stenning & Associates

 ) -'*(( -$' $/$"/$*)

3rd Floor, Marquee Place, 433 West Bay Road Paget-Brown QC Chambers

Tel: (345) 945 0220

Boundary Hall, Cricket Square, George Town

Email: info@stenning.ky

*'Ç’Ć™.#*-  )*-+*-/$*). 0.$) .../'$.#( )/Ç’ $ ).$)"

).*'1 )4Ç’ ./-0/0-$)"

Tel: (345) 949 5122 Email: info@pagetbrowntrust.ky

)1 ./( )/0).

Stuarts Walker Hersant Humphries

(($"-/$*)Ç’(+'*4( )/ 2

4th Floor, Cayman Financial Centre Priestleys Attorneys-at-Law

36A Dr. Roy’s Drive, George Town

2nd Fl, Caribbean Plaza, West Bay Road

Tel: (345) 949 3344

Tel: (345) 946 1577

Email: info@stuartslaw.com

 -.*)' )%0-4Ç’ $''+-/$  '.// *)1 4)$)"Ç’$.+0/ .

)/ '' /0'-*+ -/4Č&#x;- (-&. -0./.Çź$''.Ç’-*/

Email: info@palawcayman.com

 /*'' /$*)

Symons & Symons Ritch & Conolly Attorneys-At-Law

Tel: (345) 745 7529

4th Fl, Queensgate House, South Church Street

Email: Stephen.symons@symonsandsymons.

Tel: (345) 949 7366

com or www.symonsandsymons.com

Email: info@rc.com.ky

Symons & Symons is a leading boutique law firm

www.rc.com.ky

offering a broad range of services on all aspects

Established in 1983, Ritch and Conolly has

of Cayman practice. With a network of local

developed a solid reputation for providing

and international professionals, they advise on

comprehensive legal services to local and

commercial and civil litigation, property law and

international clients and financial institutions.

intellectual property law. They also assist with

5

W O R K I N G I N C AY M A N

corporate,

THE

in Hong Kong and London. Clients include the

$--ĆœÇ’ .. ' "$./-/$*)

#$-'**-Çź) +$/'' #  )*Çź *-" *2) Č— ĘŤÇ”Č™Ç–Ç—Ç˜ČšǚǗǘČ?ǘǓǓǓ Č— 222Çť$)) -(-/$)Çť*(

Âť

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

73


immigration passports & domicile

I M M I G R AT I O N & PA S S P O R T S

6

74

Entry for Visitors/Tourists

74

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 b) Temporary Work Permit (TWP) - Those Not Requiring a Work Permit - Business Visitor’s Permit 2. Special Economic Zone Certificate 3. Permanent Residence a) Residency with the Right to Work (PR) b) Residency for Independent Means c) Certificate of PR for Independent Means d) Certificate of Direct Investment e) Business Presence Residency Certificate 4. Student Visas

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

New Arrivals with Cayman Connections - Residency & Employment Rights Cert.

82 82

Becoming a Caymanian - Naturalisation - Aquisition of the Right to be Caymanian

83 83 83

Immigration Services & Consultants

83

Visas & Passports

84

UK & US Domicile & Tax Status

85

CAYMANRESIDENT 2018

»

Photos courtesy of Claire Rohleder, Charles Grover and Monika Wojtkiewicz.

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

ENTRY FOR VISITORS/TOURISTS

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), 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. If 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 Immigration (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. 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 well be given up to three months to stay. However, if a tourist 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 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 immigration officer 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, here are the ways you can become legally resident: 1) Work Permits

>

a) Full Work Permit (FWP through a Gainful

>

b) Temporary Work Permit (TWP)

Occupation Licence) 2) Special Economic Zone Certificate (SEZ) 3) Permanent Residency (PR)

>

a) Permanent Residentcy with the Right to Work (after 9 years of working in Cayman)

>

b) Residency for Persons of Independent Means

>

c) Certificate of Permanent Residence for Persons of Independent Means d) Certificate of Direct Investment e) Residency Certificate (Substantial Business Presence)

4) Student Visas

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 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

1. WORK PERMITS a) Full Work Permit (FWP) Allows 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. Prior to granting (or renewing) a permit, the relevant Board or the Chief Immigration Officer 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 two or 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 license 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, 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 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 have 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 are however permitted. 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, just over forty years later, there are about 65,000 residents. 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 indigenous Caymanians that their culture might be overwhelmed, if the process is not managed correctly. There is also a perception by 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 increasing numbers of individuals to acquire security of tenure and become permanent inhabitants of the Cayman Islands is unsustainable. Required Forms

All immigration permit forms and instructions can be downloaded from the Immigration Department’s website: www. immigration.gov.ky. Various law firms and immigration service providers are also well placed 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,

»

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

75

6

I M M I G R AT I O N & PA S S P O R T S

> >

(including existing work permit holders and their approved dependants). Only if these categories of persons are unavailable for a position will (as a general rule) a permit be granted to a person who is from overseas.


CI$80 to see a doctor for a full medical and CI$15 for photos. Please note that an original Police Clearance Certificate (and its 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 for the rare occasion that the paperwork is lost by the Immigration Department. Police Clearance Certificates

I M M I G R AT I O N & PA S S P O R T S

6

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 http://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 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 must be translated into English and the translation certified as a 76

CAYMANRESIDENT 2018

»

true copy of the original. 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 immigration 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 Immigration Department will assist workers as appropriate in relevant circumstances. During the currency of a work permit, the holder may not be promoted or re-designated without their employer notifying the Immigration Board and consent being received. This restriction is intended to protect opportunities for Caymanians and to ensure that due revenue is collected. The relevant boards 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

Immigration generally requires that you be off-Island while a Full Work Permit (FWP) or Temporary Work Permit application (unless on express) 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. Dependants

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 a family of

three, and this increases by CI$500–$1,000 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 on the immigration rules for children born in or residing in Cayman to expatriates, please see the Cayman Parent 2018 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), grandchildren, parents, step parents, grandparents, brothers, sisters (including half-brothers and half-sisters). This means that girlfriends, boyfriends and fiancé(e)s cannot be listed as dependants on a person’s work permit. However, the Cayman Islands now 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 are unlikely to be permitted. Dependant Children Over 18 Years

Dependant children 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. 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 is 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.

6

I M M I G R AT I O N & PA S S P O R T S

Divorced Couples

Please note that should an expat couple living in Cayman decide to divorce, the 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 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 our sister publication, Cayman Parent, for a very detailed article on divorce 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 Chief Immigration Officer or his designate, may grant a

»

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

77


I M M I G R AT I O N & PA S S P O R T S

6

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 three months up to a maximum of six months and cannot be extended or renewed. An eight-month Tourism Permit, “A Seasonal Work Permit”, which can span the high season, is also available. 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 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 for forms needed. Those Not Requiring a Work Permit

Despite being a British Overseas Territory, the Cayman Islands are not part of the United Kingdom, nor indeed (unlike the French ‘Départements’ in the Caribbean) of the European Union. 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, subject to strict conditions. For example: Cayman Islands Government employees, 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 78

CAYMANRESIDENT 2018

»

no longer than seven 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 employs people 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 generally available for people attending for one visit only. There is also a category of Visitor’s Work Visa. This Work Visa 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. Enforcement

Breaches of the Immigration Law are treated as quasi-criminal by the Immigration Department and can have very serious consequences for all concerned. Overstaying, working without or outside of the terms of any permission granted, and many 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 a work permit. 2. SPECIAL ECONOMIC ZONE CERTIFICATE 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’s first Special Economic Zone (SEZ), Cayman Enterprise 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 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 assisting enterprises establishing within the Zone. See the Running a Business chapter for more information on Cayman’s SEZ. 3. PERMANENT RESIDENCE a) Permanent Residence with the Right to Work All persons who reach eight years of legal ordinary residence in the Cayman Islands are eligible to apply for Permanent


Residence. 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 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 90 days to leave the Islands. An application for Permanent Residence with the Right to Work can be quite onerous and those individuals who prepare over the years leading up to it are more 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. Factors considered in a Permanent Residence application include:

I M M I G R AT I O N & PA S S P O R T S

1)

6

Your Occupation; including whether it is “Priority” in nature: 15 points are presently available for each and every occupation, with (at least theoretically) another 15 bonus points available in relation to occupations which have been determined by the CI Government to be “Priority” in nature. No list of “Priority” occupations has been published as at time of writing.

2)

Education, Training and Experience: A point is available for each year of experience that an applicant has been in their role (after a minimum threshold of two years with a maximum of 10 years). Points are also available based on levels of academic or other qualification relevant to their occupation or role. For example, persons with professional qualifications are eligible for 15 points, whilst possessing an Associate’s degree will garner 8 points.

3)

Local Investments: Investment in Cayman Islands Real Estate and/ or in a locally licensed company has the potential to generate up to 30 points. The total amount paid towards such investment(s) (including the full amount of mortgage payments where applicable and stamp duty paid) is assessed relative to an applicant’s income over the prior five years. This is subject to a minimum threshold of CI$50,000. Investments in excess of CI$500,000 are guaranteed maximum points.

4)

Financial Stability: Evidence of savings held in local bank accounts (again relative to income) generates points. The maximum 15 points available will be awarded to any applicant who can demonstrate that they have (and have maintained) in excess of 5% of their last 12 months income in a local bank account. Further additional points are based on annual salary and income. By way of example, a person earning CI$55,000 each year will (generally) be awarded seven

»

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

79


5)

and 13% of work permits in force in the

provide for the healthcare and educational

Cayman Islands. UK nationals presently

needs of your family.

comprise approximately 8% and, together

Community

Involvement/Integration

with Americans (at approximately 5%)

Spouses of Permanent Residents

into the Caymanian Community: Up to 20

can expect 5 points. Citizens of all other

points are available. By way of example

countries can presently expect 10 points.

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 for the Right to be Caymanian as soon as they have been living in the Cayman Islands for 15 years. Ideally, spouses who qualify should in any event consider applying for Permanent Residence in their own right once they have been legally and ordinarily resident for eight (and less than nine) years. However, many people just carry on having their RERC ‘tied to’ their spouses’ PR since there is no time limit on the award. The problem arises when one of the spouses applies for and is granted the Right to be Caymanian. At this point the RERC holder/spouse must have their immigration status in the Islands ‘regulated’ within 45 days, i.e., they must have their RERC changed to that of the Spouse of a Caymanian. Serious problems have arisen however, for any couple who has decided to separate in the intervening years: one of the requirements in the Immigration Law is that you can hand-on-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 becomes void. Your life is then in limbo and you may not be allowed to stay in the Cayman Islands. If you have children the consequences are devastating.

(provided more than 35 hours are participation) two points will be awarded

most “desirable” bracket is in respect of

for each year an applicant has been

applicants aged between 25 and 35. Ten 10) Deductible components: Points can be lost

service club will generate 1.5 points for

in defined circumstances including where

each year. Other points can be gained

an applicant suffers from a contagious

through charitable donations. It is the

disease that could make them a danger

opinion of the Editor that working with

to the community, are proved to have

children and vulnerable adults may grant

mistreated fellow workers, or where they

more points to your contribution to the

do not have an adequately funded pension.

community. Outstanding initiatives that

The Board has the absolute 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 law seeks to ensure that only ‘net contributors’ are 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 (at least) five years of mortgage payments will count in the assessment. Three years after the review of the points system by Ritch & Conolly, Cayman’s Premier, Hon. Alden McLaughlin announced in May 2017 that significant changes had to be made to the system including the way points are awarded and determined. Readers are encouraged to

the Community Outreach Programme I M M I G R AT I O N & PA S S P O R T S

(Tel: (345) 925 2012) which both aim to help local students. Another option is the literacy programme LIFE, which aims to match individuals with a child for reading support in a government school near their workplace once a week. Email: volunteer@ life.org.ky for an application form or further information. History and Culture Test: You will be asked 40 multiple choice questions and will receive half a point for each correct answer. At the time of writing (July 2017) the University College of the Cayman Islands is offering a course on the history, culture and Government of the Cayman Islands to assist prospective applicants in their preparations for the test. Close Caymanian Connections: Having a close relative who is Caymanian will result in an automatic award of points. The amount of points vary depending on the nature of the relationship. 8)

Demographics and Cultural Diversity: Points are awarded based on an applicant’s country of origin, provided their nationality is below 10% of the number of work permits in force. At present, Jamaicans and Filipinos are ineligible for points: citizens of those countries already comprise 42%

80

points are awarded for this range.

of offenders, whilst participation in a local

Higher Initiative (Tel: (345) 328 0300) or

7)

Age: Applicants are eligible for varying points depending on their age. The

you can get involved with include the Aim

6)

9)

spent over a year in relation to relevant

engaged in relation to the rehabilitation

6

check our website for any adjustments to the process that may be forthcoming.

points. Of vital importance is your ability to

CAYMANRESIDENT 2018

»

Permission to Continue Working (PCW)

When a person applies for permanent residency, he/she must apply for and be granted Permission to Continue Working 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 work permit and must be renewed every six months while the application is pending. Note: the entire application, along with all relevant documents must be re-submitted each time. The Department of Immigration is actively working on correcting this, as they freely admit they are swimming in paperwork! 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.

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 5 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$1,600,000 in developed real estate and possess sufficient financial resources to maintain themselves and their dependants. An applicant will also need to demonstrate that he/she 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

Company Incorporations Registered Office Company Management Trade & Business Licensing

c) Certificate 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 stringent points system, for Permanent Residency. And 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

Immigration Services Permanent Residence Naturalization Passport Applications Right to be Caymanian Work Permits Caribbean Plaza | 878 West Bay Rd. T: 345- 945- 0400 F: 345- 949- 2335

W: www.bcsl.ky E: info@bcsl.ky

»

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

81

6

I M M I G R AT I O N & PA S S P O R T S

b) Residency for Persons 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 Chief Immigration Officer 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 or Cayman National Bank, can count. Most often, applicants will simply buy a substantial home 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. The process of applying for a Residency Certificate is relatively straightforward and permission can usually be granted within six weeks of application. Legal fees for this process are unlikely to exceed US$3,500. There are alternatives that do not require an actual investment in a property. For example, starting a company engaged in exempted business (i.e. as an agent for overseas operations) and then hiring yourself as a principal on a work permit, can make you resident without having to buy property and has the advantage of permitting you to work. Again, such a solution generally takes about six weeks for qualified applicants and the legal fees for that (including incorporation, trade and business licensing and work permits) would likely be closer to US$15,000. 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.


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.

I M M I G R AT I O N & PA S S P O R T S

6

d) Certificate 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 a personal net worth in excess of CI$6,000,000 and 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 Chief Immigration Officer for a Certificate of Direct Investment. 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. e) Residency Certificate (Substantial Business Presence) A Residency Certificate (Substantial Business Presence) is available to individuals 82

CAYMANRESIDENT 2018

»

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 are: 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, and any company registered as an exempted company under section 164 of the Companies Law (2011 Revision). It is expected that people in these positions would fill a senior management capacity and therefore ordinarily attract an annual work permit fee of CI$20,925 or above. Provided the Chief Immigration Officer 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. 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 takes four weeks. The student visa does not allow the student to work. 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. NEW ARRIVALS WITH CAYMAN CONNECTIONS

If you are married to a Caymanian you can become legally resident (and obtain the right to work) through the successful application of a Residency and Employment Rights Certificate for the Spouse of a Caymanian. You cannot apply for a Temporary or Full Work Permit. Similarly, if you are married to a person who possesses Permanent Residence with the Right to Work in the Cayman Islands, you should apply for a Residency and Employment Rights Certificate as the Spouse of a Permanent Resident; or alternatively, seek Permanent Residence as a dependant (without the right to work). Residency & Employment Rights Certificate for the Spouse of a Caymanian The spouse of a Caymanian should apply to the Caymanian Status and Permanent Residency Board for a Residency and Employment Rights Certificate, which allows them to remain and work in the Cayman Islands without the need to possess a work permit for seven years. 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 Residency and Employment Rights Certificate as the Spouse of a Caymanian 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 Residency and Employment Rights Certificate as the spouse of a Caymanian is pending. If the Residency and Employment Rights Certificate is approved, then after seven years the holder will have to apply


for it to be renewed or, following the 7th anniversary of the wedding, apply for the Right to be Caymanian. There is a nonrefundable application filing fee of CI$300 and, when approved, there is an additional government fee of CI$400. *Please note that the application process is significantly burdensome and many documents are required to be submitted, including an affidavit to the effect that your marriage is not one of convenience. BECOMING A CAYMANIAN

Acquisition of the Right to be Caymanian Any person who has been naturalised as a BOTC by virtue of his or her connection with the Islands may, upon satisfying various residency requirements, 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. The Governor in 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 have not met various residency requirements or, for example, 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. IMMIGRATION SERVICES Immigration Consultants For help interpreting the immigration law we recommend that you contact the Immigration Department on (345) 949 8344 or visit www.immigration.gov. ky. Alternatively, call one of the local immigration specialists below: Affinity Recruitment Ltd. Tel: (345) 943 2020

6

Email: info@affinity.ky www.affinitycayman.com Specialising in: Corporate immigration services, work permits and immigration advice and tailored outsourcing services. SE E AD PAG E 68 Bodden Corporate Services Ltd. Tel: (345) 945 0400 Email: info@bcsl.ky or www.bcsl.ky Provides advice and prepares applications for Permanent Residence, Naturalisation and the Right to be Caymanian, as well as Work Permit grants, renewals and amendments. SEE AD PAGE 81 Cayman Immigration Consultant Services Tel: (345) 943 1186 Email: cics@cicsky.com Specialising in: Work Permits Processing,

We take care of the immigration and licensing needs of corporate and private clients, priding ourselves on our bestin-class approach to relationships and proven results.

CONTACT US TODAY TO LEARN MORE ABOUT WHY OUR CLIENTS LOVE WORKING WITH US.

WWW.SOLOMONHARRIS.COM

»

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

83

I M M I G R AT I O N & PA S S P O R T S

Naturalisation People who have been lawfully resident in the Cayman Islands for a total of five years (at least one of which must be without Immigration restriction as to the period they are permitted to remain) may apply under the British Nationality Act for naturalisation as a British Overseas Territories Citizen (‘BOTC’) by virtue of a connection with the Cayman Islands. Persons applying on the basis of marriage generally only require three years of total residence. (In other words, with the new changes someone can be here on a work permit for four years, buy Permanent Residency (by purchasing a US$2 million dollar house) and one year later apply to be naturalised - effectively reducing the time required to get a Cayman Passport from nine years to five, and the path to become a Caymanian from 14 to 10 years. The three year option for Naturalisation is only available to persons who are married to a BOTC - but they would generally become Caymanian through seven years of marriage to a Caymanian and do not need to be a BOTC themselves first). Application is made to the Deputy Governor’s Office and, upon grant, the applicant becomes a BOTC by virtue of a connection to the Cayman Islands. This 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, provided they remain legally and ordinarily resident in Cayman. The fact that many people who have become naturalised and possess Cayman Islands passports are not Caymanian can be potentially confusing. It is perhaps best to think of a Cayman Islands passport as a travel document, naturalisation 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 Caymanians are BOTCs or even entitled to hold Cayman Islands Passports.


Permanent Residency, Naturalisation, Right to

Solomon Harris

be Caymanian and other general immigration

Tel: (345) 949 0488

related matters. Also Local Incorporations, Trade

Email: info@solomonharris.com

and Business Licensing applications and Annual

www.solomonharris.com

Returns. SE E AD PAG E 79

Solomon Harris are experts in immigration: working with international and domestic

CML Immigration Services

businesses on compliance with business staffing

Tel: (345) 949 1345 or (345) 623 1031

plans and work permit requirements, as well as

Email: info@cml.ky

guiding high-net-worth individuals through the

www.cml.ky

process of applying for permanent residency,

Specialising in individual and company-wide

naturalization and Caymanian status.

work permit management, immigration advice

SE E AD PAG E S 33 & 83

and tailored outsourced services. Symons & Symons Attorneys-at-Law

6

Dinner Martin Attorneys

Unit 4 Tropic Centre, 18 Earth Close, SMB

One Capital Place, Shedden Road, George Town

Tel: (345) 745 7529

Tel: (345) 745 5000

Email: info@symonsandsymons.com

Email: info@dinnermartin.com

www.SymonsandSymons.com

www.dinnermartin.com

All areas of Immigration including: Permanent

Work Permit applications, Residency and

Residency, Naturalisation, Caymanian (BOTC)

Employment Rights Certificates, Permanent

Passport Applications, Caymanian Status, Work

Residency/Independent Means applications,

Permits and Appeals. SE E AD PAG E 49

I M M I G R AT I O N & PA S S P O R T S

British and Cayman passport applications, Right to be Caymanian/Spouse of a Caymanian,

Legal Befrienders

Naturalisation, Business Staffing Plans, Business

Tel: (345) 945 8869

Licensing and Appeals. Notary Public services

If seeking legal advice on any subject, including

also available. SE E AD PAG E 73

immigration matters, there is a free service offered by the Family Resource Centre called

HSM Chambers Attorneys-at-Law

Legal Befrienders. Qualified attorneys offer

Tel: (345) 949 4766

free legal advice over the phone or on a walk-in,

Email: immigration@hsmoffice.com

first-come first-serve basis, every Tuesday at

www.HSMoffice.com

the Compass Centre, North Sound Road 5pm-

All Immigration services including Business

6.30pm and via a phone-in service on Fridays

Establishment, Appeals, Caymanian Status,

from 2pm-5pm.

Permanent

Residency

and

Naturalisation VISAS & PASSPORTS

applications. SE E AD PAG E S 47 & 77 McGrath Tonner Tel: (345) 949 2740 Email: info@mcgrathtonner.com www.mcgrathtonner.com Specialising in Permanent Residence, Caymanian Status,

Persons

of

Independent

Means,

Naturalisation, Business Visitor Permits, Work Permits and all related appeals.

SE E AD PAG E 46

Ritch & Conolly Attorneys-at-Law Tel: (345) 949 7366 Email: jconolly@rc.com.ky www.rc.com.ky

84

CAYMANRESIDENT 2018

Âť

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 to see if you need one. Where visas are required, they must be sought from, 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 Department of Immigration in Grand Cayman (Tel: (345) 949 8344 or email:

chastine.echenique@gov.ky) as well as one in Kingston, Jamaica (Tel: (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: http:// kingston.usembassy.gov/visas.html. 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 refer to the Passport & Visa section of our website: 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 8am-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; Social Security Administration by


accepting applications for Social Security Numbers and Social Security Benefits. Benefit recipients may submit forms and documentation requested by SSA. 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, Social Security Number 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 6 – 8 weeks and cannot be guaranteed; please plan accordingly.

The processing time for this is currently about six weeks. Application forms for a BOT 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. Emergency 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 Immigration) and is open Monday-Friday 8.30am-4pm. Tel: (345) 949 8344 ext 6.

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.

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

US Visitor Visas

US Visitor Visas are not a function of the Consular Agency and are managed through the US Embassy in Kingston, Jamaica. 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.

DOMICILE & TAX STATUS

Please note that this is a concise summary of the available information. For a full and detailed explanation of the tax and domicile options for people leaving the UK and the USA and moving to Cayman, and vice-versa, please visit the three UK & US Domicile & Tax Status pages on www. caymanresident.com. UK TAX STATUS If you were once resident in the UK and are now resident in the Cayman Islands, then knowing your tax status in relation to HM Revenue and Customs (HMRC) and your UK tax obligations is very important. The Finance Act 2013 introduced a statutory residence test (SRT) that came into effect on 6th April 2013. The legislation is helpful in setting out the steps you need to take to cease UK residence. Usefully for Caymanian residents, the SRT makes remaining non-UK resident much clearer even if you still have connections to the UK. The SRT allows you to be certain that, if you visit the UK for no more than a certain number of days, you will not be regarded as UK resident. This will be helpful to Caymanians who wish to continue to visit family or friends in the UK, knowing that in doing so, they will not establish tax residence in the UK. Additionally, should you wish to return to the UK at any point, there are clear, if complex rules, which will help you plan with certainty on what date you will become UK resident for tax purposes. This means you can plan, take any necessary advice and organize your affairs tax-efficiently prior to acquiring UK residence. The following is a general overview of the SRT and in particular, how to become and remain a non-resident of the UK. We also talk about how to change your domicile (and some difficulties which may arise). On our website you will find a full and detailed description of the rules. Here is a summary:

»

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

85

6

I M M I G R AT I O N & PA S S P O R T S

British Passports Application forms for British passports (renewals or new passports) can be downloaded from www.gov.uk/overseaspassports along with a list of what needs to be submitted. Applications must be couriered to Her Majesty’s Passport Office, OVS-D, Millburngate House, Millburngate, Durham DH97 1PA, England. Payment must be made by credit card online during the application process. The cost of a standard adult’s passport (as of July 2017) is £102.86 and a child’s passport costs £72.86. This includes the courier fee to send the new passport back to you. Processing time takes at least 4 weeks.

Canadian Passports The Canadian Consulate is located on the 1st Floor, Landmark Square, 64 Earth Close, off West Bay Road near The Strand Shopping Centre (Tel: (345) 949 9400 or email: cdncon.cayman@candw.ky). They are open Monday-Thursday 10am1pm. 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.pptc. 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.

the Passport & Visa section of www. caymanresident.com for details.


I M M I G R AT I O N & PA S S P O R T S

6

The Statutory Residence Test (SRT) The SRT consists of a series of tests which you need to apply to your individual circumstances. The first in the series is the “Automatic Overseas Tests”. If you meet one of these tests, you do not need to consider any other tests – you will be considered to be non-UK resident. If none of these tests are met, you must then consider the “Automatic UK Tests” – if you meet the conditions for one of these tests, you will be UK resident. Only if you do not meet any of the automatic overseas or UK tests do you then need to consider the “Sufficient Ties Tests”. In the Automatic Overseas Test, a Cayman resident can assume with absolute certainty that if they spend less than 16 days in the UK, they will not in any circumstances be considered a UK resident. If they have not been a UK resident for three tax years or more, then this is extended to 46 days. There is a third automatic overseas test which may apply if an individual works full-time overseas. If none of the automatic overseas tests are met, then the Automatic UK Test can be considered. In this test if you (a) work full time in the UK; (b) spend 183 days or more in the UK in the tax year, or (c) have a home in the UK in which you spend 30 days in the tax year and you have no overseas home or you spend less than 30 days in the home you have overseas, then you can assume you are a UK resident. However, if neither of the previous tests apply, then you will need to consider the Sufficient Ties Test. Under this test, the number of ties you have with the UK combined with the number of days spent in the UK in any given tax year, determine whether or not you are a UK resident. Ties include (a) family tie which can include a child in a boarding school; (b) an accommodation tie; (c) a work tie; (d) a 90-day tie; and (e) a country tie (this last one only applies if you have been UK resident in the past three tax years and will only apply to people who spend more days in the UK than in any other single country. So it is necessary to keep detailed records of not only the time you spend in the UK 86

CAYMANRESIDENT 2018

»

but in other countries as well). Depending on the number of ties you have, dictates how many days you can safely stay in the UK before becoming UK tax resident. No matter which test an individual falls into, it is important to keep detailed records of your movements, especially of time spent in the UK. See the UK Domicile & Tax Status section of www.caymanresident.com for a detailed examination of these tests. Anti-Avoidance The UK Government was concerned that if the SRT were introduced, it would make it much simpler for you to cease residence for a short period (e.g. one year) and for example, extract income from UK companies without any income tax charge. Legislation is in place to restrict the ability of individuals to make tax-free capital gains by becoming non-UK residents by requiring a non-resident period of at least five calendar years. A similar rule is in place with regard to income. What this temporary non-residence rule means, is that, if you return to the UK within five complete calendar years of leaving, you may be liable to UK tax in relation to income and capital gains that arose whilst you were non-UK resident. If you leave the UK and don’t return until after five calendar years, you cannot be taxed on income and gains arising whilst you were non-UK resident. DOMICILE (UK) It is important to note that even if you have become a non-resident of the UK and a Cayman resident, it is your domicile status which will determine whether you are liable to pay UK Inheritance Tax (IHT). Many individuals assume that because they are non-UK residents that they are also nonUK domiciled and hence outside the scope of IHT. This is certainly not the case! If you wish to avoid IHT on your worldwide assets, then you must plan carefully making positive steps to shed your UK domicile. If you are non-UK domiciled, you should only be liable to IHT on assets located in the UK. There is a concept of ‘deemed’ domicile: this statutory concept operates to

automatically bring non-UK residents into the IHT net for three years after leaving the UK. If you wish to avoid IHT on your worldwide assets, then you will need to acquire a Cayman domicile of choice. There is no specific form to fill out to explain that your domicile has changed; however, in your annual UK Self Assessment tax return, there is a section which asks you to talk about your domicile. (Please note that when leaving the UK you should complete and submit form P85 “Leaving the UK - getting your tax right” to HMRC. 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.) Regrettably, domicile tends only to become an issue when you die, get divorced or establish a trust and many people ignore it to their cost. Here are some general guidelines: (a) you cannot be without a domicile and you can only have one domicile at a time; (b) your domicile is usually where your permanent home is; (c) your existing domicile will continue until a new one is acquired; (d) domicile is distinct from your nationality and residence; (e) a wide range of evidence has to be retained and examined in evaluating your intentions to establish whether you have changed your domicile; (f ) there are four types of domicile: Domicile of Origin, Domicile of Dependence, Domicile of Choice and Deemed Domicile. You will have acquired a Domicile of Origin at birth and you will generally be regarded as having adopted your father’s domicile. A domicile of origin will continue throughout life until a domicile of choice is acquired. Domicile of Choice will be relevant for many readers. If you have become a Cayman resident and wish to start the process of removing yourself from the scope of IHT, then you must acquire a non-UK domicile of choice, i.e. a Cayman domicile. The concept of domicile in Cayman is identical to that in the UK and there have been non-tax cases taken through the courts in Cayman which look to UK case law regarding domicile. HMRC can request


Hotchkiss Associates Limited Cooil Shellagh House, Kirk Michael, Isle of Man Tel: +44 (1624) 872 140 Email: info@hotchkiss.im or www.hotchkiss.im They offer UK tax services in the following areas: bespoke private client tax advice, succession and estate planning for high-net worth families and individuals, including tax residence and domicile reviews (leaving and returning to the UK); taxation of trusts and offshore companies, high level structure reviews; business structuring and UK inward investment; tax investigations; taxation of employments; tax returns. Paul Hotchkiss is the author of the UK tax and domicile advice in this chapter.

US TAXATION OF AMERICAN CITIZENS OR GREEN CARD HOLDERS MOVING TO THE CAYMAN ISLANDS US citizens or green card holders are subject to US taxation on their worldwide income even when they are not living in the US. However, qualifying US persons living and working abroad may be eligible to exclude a certain amount of their foreignearned income from their US taxable income. If a person meets the requirements discussed below, they should be able to take advantage of a foreign earned income exclusion of a fixed dollar amount, and a housing exclusion for excess housing costs. To be considered foreign, earned income must be received as compensation for services performed in a foreign country. In order to qualify for the exclusions,

US persons must have a ‘tax home’ in the foreign country throughout the period of residence or physical presence, and meet either the ‘physical presence test’ or the ‘bona fide resident test’. A tax home can be defined as principle place of business or employment, and must be located in a foreign country to qualify for the exclusion. The physical presence test requires that a US citizen or resident be physically present in one or more foreign countries for at least 330 days (approximately 11 months) during any period of 12 consecutive mths. To qualify under the bona fide resident test, an individual generally must be a US citizen who has established a bona fide residence in a foreign country or countries for an uninterrupted period that includes an entire calendar year. Bona fide residency is determined on a case-by-case basis. Some of the important factors to consider when using this test include intention, purpose of stay, nature of stay, and length of stay. A common misunderstanding of US citizens and green card holders living in the Cayman Islands is that they do not need to file US income tax returns if their earned income is less than the foreign earned income and housing exclusions discussed above. US citizens and green card holders living in Cayman must file a tax return and make an affirmative election regarding the exclusions, even if their earned income is less than the exclusion amount. Jama Johnston (Senior Manager, Tax), KPMG Tel: (345) 815 2658 Email: jamajohnston@kpmg.ky Also see: www.irs.gov (Internal Revenue Service Publication 54, Taxpayers Living Abroad) For informal (or formal) advice on the foreign earned income and housing exclusions, contact Jama Johnston. Please note that there will be a charge for formal advice. Ms. Johnston is a senior tax manager with KPMG in the Cayman Islands where, amongst other things,

THE

20% of the value of the assets put into the trust. Many people are caught out by this rule and inadvertently trigger IHT charges. Those returning to the UK (who were born in the UK), known as formerly domiciled residents (FDR), or those FDRs who might become inadvertently UK tax residents in any particular year, will need to be careful. The new definition of Deemed Domicile may bring them and their structures within the charge to UK tax, simply by becoming UK tax resident. The rules effective from 6 April 2017 will be enacted in late 2017 and are complex! For advice contact Paul Hotchkiss and his team:

she supervises the preparation of complex business and individual tax returns.

Tell them you saw it in the

»

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

87

6

I M M I G R AT I O N & PA S S P O R T S

you to present strong evidence to show your intention to live in Cayman, either permanently or indefinitely. It should be noted that simply living in Cayman for a long period of time, although an important factor, is not in itself enough to prove that a new domicile of choice has been acquired. Taking the following actions will help: firstly, sever ties with your country of origin by cancelling club memberships, selling private residences and UK investments and closing bank accounts; secondly, acquire a family home in Cayman, make a will under the laws of Cayman, exercise the right to vote and buy a burial plot. It is often recommended to be buried in Cayman although this should not be considered a strong argument in isolation. It is important for your actions to reflect your true intentions. The evidence of friends, neighbours, business contacts, etc. can be critical. You should conduct yourself in such a way that would support the fact that your move to Cayman was permanent. You should retain all evidence to support your change of domicile. Ideally, a domicile file should be maintained. It is amazing how memories fade and at some point you or your executors may need to recall facts and provide evidence to support your tax position. Overall, it is important that you ask yourself, “where is my home?”, and if the answer is Cayman and nowhere else, you may be well on your way to becoming non-UK domiciled. A UK domiciled individual who leaves the UK permanently, after 6 April 2017, and acquires a domicile of choice in another country will continue to be within the scope of IHT for four tax years after they acquire a non-UK domicile of choice, noting that they may not immediately acquire a Cayman domicile of choice when they leave the UK. After four tax years they should no longer be subject to IHT on their non-UK assets. This is particularly important if you wish to create a trust. If you create a trust within this period then you will still be Deemed Domiciled in the UK and any assets transferred to the trust will be subject to IHT at a current rate of


preparing Advice on what to bring and what not to bring, duties and fees, shipping companies and cost of living tables for food, housewares, medical care, accommodation and utility bills.

P R E PA R I N G T O M OV E

7

Moving to Cayman - Gateways to Cayman - Cost of Flights & Flying Time - Special Services - Relocation Services - Time Zones - Before Signing Your Contract - Cayman Currency - Weights, Measurements & Temperature

88 88 88 89 89 89 89 91 91

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

91 91 92 93 94 94 94

Shipping Considerations - Import Duty - Customs Clearance

95 95 95

Deciding What to Bring

96

M

oving to Cayman may be one of the most exciting decisions of your life but there are a lot of details to consider before you arrive on the Island, move into your new home, unpack your belongings, start your job and then finally put your feet in the sand. In this chapter we give some tips on getting to Cayman, things to consider before signing an employment contract and set out the cost of living in Cayman. Then, to help you understand the moving process and getting all your belongings here, we explain the three main options you have. 88

CAYMANRESIDENT 2018

Âť

Photos courtesy of Monika Wojtkiewicz, Deep Blue Images and DRCL/Camana Bay.

to move

Gateways to Cayman The main gateway to Cayman is Miami, with at least four flights per day between the two gateways, but you can also catch a flight to Cayman from Atlanta, Bahamas, Boston, Charlotte, Chicago, Dallas, Fort Lauderdale, Havana, Houston, Jamaica, La Ceiba, London, Newark, New York, Orlando, Panama, Tampa and Toronto. The national carrier of the Cayman Islands is Cayman Airways. Other airlines that service Cayman are Air Canada, American Airlines, British Airways, Delta, JetBlue, US Airways and WestJet. Cayman Brac and Little Cayman are serviced by Cayman Airways Express. Some airlines and destinations only operate in high season which is generally from December to April. Grand Cayman’s Owen Roberts International Airport is a relatively busy airport for a Caribbean island; it processes over one million passengers each year which include tourists, business visitors and residents. The airport is located in the capital, George Town, and is approximately five minutes from downtown and a 15 minute drive from Seven Mile Beach. The runway is 7,008 feet long and 150 feet wide, which means that large transatlantic aircraft cannot land. The airport terminal is currently undergoing a major expansion which is scheduled to be completed in late 2018. Cost of Flights The average cost of a return ticket from Miami is US$400, from New York US$350 and from London US$1,300. Also, please note


that these are average prices and will vary according to high or low season.

Relocation Services It is often helpful for individuals or families to enlist the help of a relocation consultant.

Flying Time to Cayman The flying time from Miami to Grand Cayman is 1 hour and 5 minutes. The flight from London takes 10 hours (including 45 minutes on the tarmac in Nassau). From Toronto, the flight time is 4 hours and from New York its just under 3.5 hours.

‘Destination services’ as it has come to be known, offers private and corporate clients unbiased assistance and invaluable insight into island life in Cayman. Blue Point Consultants Ltd. Tel: (345) 925 2727 Email: info@bluepointproperty.com

Grand Limousine Services Tel: (345) 916 7772 or visit www.limo.ky Offers airport transportation in luxury and style. They are also available for special events. Island Air Tel: (345) 949 5252 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 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.

www.bluepointproperty.com They offer an employee relocation programme and work in conjunction with many employers on the island. The orientation they provide is fully customised for the employee, providing information on housing and schooling options, key amenities, shopping, recreation, social groups, sports clubs, medical and banking facilities, vehicle purchasing and hire, typical living conditions and any special concerns. They also help private individuals interested in moving to Cayman. They are part of a global network of destination service providers.

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 day light savings time in March, Cayman then shares Central Daylight Time (CDT = -6 UTC) with Chicago and Houston. This doesn’t cause too much confusion and is automatically factored into airline tickets. But it’s important to keep in mind if you’re calling anyone on the East Coast of the US from March to November.

Tropicana-Tours Tel: (345) 949 0944 www.tropicana-tours.com Offers full airport arrival and departure services.

Before Signing Your Contract When planning a move to the Cayman Islands you will need to know what to expect in terms of both the cost and the

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 pay for a year’s worth of car insurance; pay deposits on a house or apartment including deposits on getting your electricity, water, telephone and cable TV 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 cars. See the Working in Cayman chapter for detailed cost estimates and our website for regularly updated set-up costs. 4) The Cost of Living This will invariably depend on your standard of living but you are advised to work out a possible budget before taking the leap to Cayman. Things to take into consideration are your salary minus 5% pension and less your portion of health insurance.

»

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

89

7

P R E PA R I N G T O M OV E

Special Services To ensure your arrival or departure from Cayman is as stress-free as possible, here are a few reliable companies that offer special services to help you through arrivals and departures. 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. The cost for two adults to travel from the airport to SMB in a taxi is US$30 and then add US$8 per additional adult and US$6 per additional child.

standard of living, as they may be very different from what you’re used to. Since the process of moving can be very costly, find out what your employer will do to absorb or mitigate these costs. Bear in mind that the cost of living is high in Cayman (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 running a car and schooling your children will cost significantly more. Below are some questions that you may want to ask your new employer before you accept a job offer: 1) Cost of Shipping Will the company contribute towards transporting your personal items to Cayman? 2) Accommodation & Renting a Car Will the company provide you with a place to live and a rental car for your first month on the Island? See the Finding a Home chapter for a list of temporary accommodation options.


5)

FAST, RELIABLE & PERSONAL SERVICE CUSTOM BROKERS FREIGHT FORWARDERS FREIGHT DELIVERY FREIGHT CONSOLIDATORS

P R E PA R I N G T O M OV E

7

6)

Cayman Islands Shipping Specialists 30 Days of Free Storage • Small Package Service Packing & Crating Service • Bonded Warehouse Cargo Pickup • U.S. & Canada Pickups Available Weekly Ocean Consolidaton • Daily Air Shipments

7)

• Sailing Every Tuesday & Thursday • Deluxe Freight, LLC

www.deluxefreight.com

Email: sales@deluxefreight.com Phone: (305) 513-0156 Fax: (305) 513-0157 90

CAYMANRESIDENT 2018

»

8)

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. 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 in Cayman dollars 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 (when the conversion will be at .82) than paying for something at a store with US dollars at a conversion of .80. On a salary of US$60,000 per year you will save CI$1,200 per year. 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$400-$800 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 is what you should seriously consider 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$600-$1200 per month (if you are on a premium family plan). 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! 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 however, can stay as long as they are listed as dependants on your work permit.

Weights, Measures & Temperature Cayman uses the US system of miles for distances and 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: first you can do 99% 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 but then have a freight forwarder organise the collection, shipping and

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 how much you have to ship. 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. Cayman Islands Customs Agency (CICA) Tel: (345) 949 2350 Email: cica@cicustomsagency.ky www.cicustomsagency.com 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 for CICA: Deluxe Freight Inc. 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

include

twice

a

week

ocean

consolidations, daily air shipments and a small package service (12 cubic feet for CI$67 inclusive of everything but duty and insurance for cargo over US$1,000). 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

91

7

P R E PA R I N G T O M OV E

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 numerous ATMs throughout Grand Cayman. Currency denominations are as follows: CI$1, 5, 10, 25, 50 and 100 dollar bills.

eventual 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 make sure they adhere to certain standards and 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. You should then call the moving company so they can visit your home and work out a quote. Having a clear idea of what you will be moving will make the quotation more accurate since they calculate your rate using weight or volume (depending on which is greater). 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 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; $250-$500 is the industry standard. 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 (this is relevant whether you are moving to or from Cayman). 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.


Mail Boxes Etc.

They offer freight forwarding and a small package

Sta-Mar Enterprises Ltd.

Tel: (345) 745 1400

service from Miami to Cayman. They can also

Tel: (345) 949 2399

Email: info@mbe.ky or website: www.mbe.ky

provide packaging materials and enclosed

Email: stamarcayman@gmail.com

Services include air and ocean cargo, customs

trucks. They are fully accredited and insured.

www.sta-mar.com

clearance and delivery to home or office.

Services

include

customs

clearance

and

Miami Office for Miracle Brokers: SeaPack, Inc.

brokerage, complete import and export services

Miracle Brokers

9950 NW 17th Street, Doral, FL 33172

for personal and commercial shipments, moving

Tel: (345) 949 5989

Tel: 1 (305) 592 1150

services, freight forwarding from Miami and

Email: info@miraclebrokers.com

Email: info@miraclebrokers.com

preclearance for perishable cargo. Sta-Mar also

www.miraclebrokers.com

Services include weekly ocean consolidations

offers their USA 2U service which allows Cayman

Services include logistic coordinators for

and a small package service (US$30 for 1-5 cubic

residents to shop at hundreds of online retailers

international (import/export) and local moves.

feet plus CI$10 brokerage fee). SE E AD T H I S PAG E

in the USA, Canada and even China, without having to incur expensive shipping charges. Sta-Mar will give you a US address to ship the packages to and then organise the shipping to Cayman, clear packages through customs and even deliver packages to your door in Cayman, all at a very competitive rate. SE E AD PAG E 95

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 Cayman.

P R E PA R I N G T O M OV E

7

Miracle Brokers Tel: (345) 949 5989 Email: info@miraclebrokers.com www.miraclebrokers.com Logistic coordinators for international moving both to and from Cayman. They offer trained packers and movers, furniture installers and customs clearance. They are fully accredited and insured and are members of the Household Goods Forwarders Association. SE E AD T H I S PAG E DHL 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 92

CAYMANRESIDENT 2018

Âť


Cost of Living in the Cayman Islands

Grocery Costs CI $

US $

Butter (Anchor 16oz)

6.19

7.74

Baby Food (Gerber 8oz)

1.89

2.36

Baked Beans (Heinz 415g)

1.79

2.24

Batteries (Duracell pack of 4 AAA)

3.99

4.98

Beer (Pack of 6)

11.99

14.99

Bread (Nature’s Own Whole Wheat)

2.69

3.36

Cat Food (Friskies 5.5oz can)

0.89

1.11

Cereal (Kellogg’s Original 12oz)

4.79

5.99

Chicken (3 breasts)

10.65

12.99

Cigarettes (Camel per pack 20)

9.99

12.18

Coca-Cola (6 pack cans)

4.19

5.24

Coffee (Nescafé Instant 200g)

7.99

9.99

Disposable Diapers (Huggies 24)

11.39

14.24

Dog Food (Pedigree dry food 7lb)

12.99

16.24

Eggs (6 Organic Valley)

4.39

5.49

Ice Cream (Häagen Daz 1 pint)

6.39

7.99

Laundry Detergent (Tide 32 loads)

9.39

11.74

Milk (2% ½ gallon)

3.59

4.49

Milk (Organic whole, 64 oz)

6.79

8.49

Shampoo (Pantene 12.6fl oz)

5.29

6.61

Shower Gel (Dove 12oz)

6.99

8.74

Sirloin Steak (CI$5.99lb)

6.53

8.16

Still Water (Aquafina 1 litre)

1.49

1.86

Razor Blades (Gillette Venus pack of 5)

9.99

12.49

Tampax (Super pack of 20)

4.79

5.99

Toilet Paper (Charmin Basic pack of 4)

2.39

2.99

Tomato Soup (Campbell’s 305g)

1.89

2.36

Toothpaste (Colgate 6oz tube)

3.39

4.24

Tuna (Bumble Bee 5oz can)

1.79

2.24

Whole Grain Rice (Uncle Ben’s 907g)

3.97

4.96

Wine (Six Eight Nine 750ml)

20.09

25.11

Yoghurt (Dannon All Natural 32oz)

4.59

5.74

Medical Care Expense

CI $

US $

Advil (20 tablets)

7.69

9.61

Dentist Consultation

50-100

62.50-125

Dental Hygienist Cleaning

180-250

225-312

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

60-230

Medical Doctor Specialist

100–300

125–375

Hospital Daily Rate Private Room

500

625

Hospital Daily Rate Semi-Private Room

350

437

75-287

Housewares Item

CI $

US $

Bath Towel

11.75

14.69

Broom

8.65

10.81

China Set (Gibson 16 piece)

34.75

43.44

Coffee Maker (Mr.Coffee 12 cup)

16

20

Cutting Board (wood 14” x 10”)

7

8.75

Dishwasher (Whirlpool Gold Series)

985

1,231.25

DVD/Blue Ray Player (LG)

27.99

34.99

Alarm Clock

7.50

9.38

20.50

25.63

32

40

Plates Set (8 piece) Glasses Set (4 piece) Igloo Wheeled Cooler (38 quarts)

55

68.75

39.95

49.94

King Sheets

45

56.25

Lawnmower

230-554

287-692

3.50

4.38

King Comforter Set (4 piece)

Light Bulbs (2 pack 60w) Microwave (Avanti) Paint (Flat emulsion interior 1 gal)

180

225

24-29

30-36

Pan Set (Rachael Ray 12 piece)

154

192.50

Refrigerator/Freezer (25 inch)

2,975

3,718.75

Screwdriver Set (6 piece)

22.75

28.44

Stove (Whirlpool glass top)

980

1225

Tall Kitchen Bin (11 Gallon)

13.55

16.93

Television (LG 40” flat screen)

475

593.75

Toaster (Cuisinart 4 slice)

95

118.75

1,155

1,443.75

Washer/Dryer (Electric Laundry Centre)

7

P R E PA R I N G T O M OV E

Item

Average Apartment House Rental Rates (Mid-range) Expense

CI $

US $

Studio apartment

600-1,000

750-1,250

1 bedroom apartment

900-2,500

1,125-3,125

2 bedroom apartment

1,400-2,800

1,750-3,500

3 bedroom apartment

1,800-3,500

2,250-4,375

2,800+

3,500+

3 bedroom house with garden

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

CI $

US $

Electricity (including a/c)

250

312.50

Water

90

112.50

Cable/TV (basic package plus movies)

75

93.75

Telephone + Mobile (excluding overseas)

120

150

Internet Connection

50

62.50

Cleaner - once per week/per month*

176

220

A/C Maintenance – per quarter*

109

136.25

Pest Control – per quarter*

125

156.25

»

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

93


Cayman rates. SE E AD T H I S PAG E

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

This is also a very good option to keep in mind when you go on shopping trips to the US. Visit www.caymancargo.com for more information. Excess Baggage Air Cargo & Freight Consolidating

If you are only bringing your personal effects with you, other options to consider are using your airline’s excess baggage allowance. Check with your airline to ascertain their excess baggage allowances.

P R E PA R I N G T O M OV E

7

DHL EXPRESS MAKES THE WORLD OF DIFFERENCE WHEN RELOCATING

If you’re moving from Europe, the website www.excess-baggage.com is worth a look. Cayman Airways allows each passenger to check two pieces of luggage of 55lbs each, for free. More bags can be checked for a fee. The free baggage allowance on British Airways varies depending on the class of travel and type of ticket purchased. Fees for extra bags are less if you pay for them in advance online. Consult your air carrier’s website to clarify what their excess baggage allowances are prior to your departure. Shipping by Sea Transit time from Florida to Cayman is usually two to three days. All companies accept dry or refrigerated containers and they will also ship vehicles, boats and other rolling stock. 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 to your home or office. Hyde Shipping Corporation Full containers: 1801 SE 28th Street, Port Everglades, FL 33316 US Tel: 1 (305) 913 4933 Cayman Tel: (345) 947 4933 Email: edixon@hydeshipping.com or caymanteam@hydeshipping.com Less than container loads (LCL): 10025 NW 116th Way, Suite 2, Medley, FL 33178

• Special Rates to match relocation packages • Shipping to over 220 destinations • Door to door delivery • Customs Clearance • Free Boxes

US Tel: 1 (305) 913 4933 They will do full containers or LCLs leaving from Port Everglades (Florida) to Cayman on Mondays and Thursdays. 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

Email: dhlkysales@dhl.com Phone: 1.345.623.8575

www.seaboardmarine.com 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 also available from the

94

CAYMANRESIDENT 2018

»


Caribbean, Central and South America, the Far East and Europe. SE E AD PAG E 96 Thompson Line a Division of 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 Ships full containers or LCLs. Their ship leaves Port of Palm Beach (Florida) for Grand Cayman every Tuesday and Thursday. SHIPPING CONSIDERATIONS

Wedding dresses – 22% (for residents getting married in Cayman) Customs Clearance If you have the time, clearing your household effects through Customs yourself is possible, but it can be quite complex, so we recommend that you pay a customs broker to do it for you. They are reasonably priced and know the process inside out. The cost is usually CI$75-CI$100. If you’d prefer to handle the process yourself, here is

Sta-Mar Enterprises Freight Forwarders & Customs Brokers

Tel: 949-2399

IN BUSINESS SINCE 1971

Fax: 949-7003

Airport Industrial Park | Email: invoices@stamar.ky | www.sta-mar.com

7

• Customs clearance and assistance with customs documentation P R E PA R I N G T O M OV E

Import Duty The personal and household effects of a person entering Cayman to take up employment or residency for a period in excess of 12 months are admitted duty-free, although they must be imported within six months of arrival, otherwise duty will be applied. The six-month period starts the moment you arrive in the Cayman Islands, rather than the date your work permit is approved. If you are a dependent on your spouse’s work permit, make sure the shipment is in the name of the person arriving last. You can always ask for an extension from the Collector of Customs (Usually you will need to write a letter: PO Box 898, Grand Cayman KY1-1103 or you can try calling: Tel: (345) 949 4579), but you’ll need a valid reason as to why the goods were not imported in the specified time frame. Personal and household effects admitted duty-free include reasonable quantities of clothing, instruments and tools of trade. You must show proof of residency so ensure that you take your passport with you. It must have a stamp for permanent residence or a one year work permit, otherwise your household items will not be imported duty-free. Imported goods must not be sold, hired or exchanged within two years of import. Aside from these duty-free items, duty can range from 10–25% depending on the commodity. Most mail-order items are subject to 22% duty. Any gifts sent by family and friends will be charged 22% duty. Below is a list of common items and their

duty rate. A full list can be found on www. customs.gov.ky under the Tariff tab. Alcohol - $1.95 to $15.98 per litre Antiques exceeding 100 years – Free Books – Free Cameras, binoculars, sunglasses – Free Cars – between 10% and 42% Clothing and footwear – 22% Laptops and tablets – 22% Leather Bags – Free Musical Instruments – Free Watches – 7%

• Imports to the Cayman Islands • Exports from the Cayman Islands (personal and commercial cargo) • Full range of Customs Brokerage Services • Online shopping (air and ocean forwarding available) • Local moves and deliveries in Cayman • Expert advice and great customer service

(345) 945 - 4369

(345) 949 - 2399

usa2acayman@hotmail.com

Online Shopping

usa2ucayman.com Speedy and cost effective air freight service, customs clearance of merchandise in the Cayman Islands.

»

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

95


an overview of what you need to do:

>

On arrival of your shipment, pay freight charges and collect your Bill of Lading/

>

>

importing. You must work out the duty

a Customs inspection fee of CI$100 on all

owed yourself.

ocean containers which is normally included

Once the cargo has been released by

on the Bill of Lading.

>

Once all fees are paid, you can pick up your

Airway Bill from the shipping company.

Customs, for ocean cargo, go to the Port

For all cargo, take all paperwork to the

Authority on Portland Road in Industrial

ocean freight from the Port Authority

Customs Department on Owen Roberts

Park (Tel: (345) 949 2055) to get a Port

warehouse on Portland Road or air

Drive (Tel: (345) 949 4579). The paperwork

Authority clearance of your goods. Then

freight from the Customs warehouse

must include the Bill of Lading for ocean

pay Port fees. For air freight you need not

on Owen Roberts Drive: open Monday-

freight or Airway Bill for air freight, a

go to Port Authority. For a 20ft container,

Friday

Customs Import Entry form and supplier

the fee is CI$384. For a 40ft container, the

8.30am-12pm.

invoices so that Customs can verify the

fee is CI$768 and prices will vary for less-

amount of duty owed on what you are

than-container loads (LCL). There is also

>

8.30am-4.30pm

and

Saturday

If you are taking up residency for the first time, you may import your used personal belongings and household goods duty exempt but you must do so before or within six months of residing in Cayman (the collector of Customs may extend this under special circumstances). Exemptions only apply to goods that have been in a bona fide use and ownership abroad for not less than six months. For the import of used personal

7

effects, you must complete a Declaration For Unaccompanied Baggage form in addition to the Customs Import Entry form

P R E PA R I N G T O M OV E

and produce proof of residency by way of a work permit or other means.

>

Customs may conduct inspections at times and in the event that your goods are to be inspected, you will have to arrange an inspection time with the Customs inspection unit and have your documents ready to show what has been declared.

DECIDING WHAT TO BRING & WHAT NOT TO BRING

Given the cost of shipping to Cayman, it is important to carefully consider what to bring and what not to bring with you. Below are some basic guidelines to assist you in making these decisions. 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. It is advisable to bring a lot of clothes, underwear and shoes with you. You will sweat a lot more than in a cold climate and do more clothes washing. You may need a light sweater if you will be working in an air conditioned building and a rain mac 96

CAYMANRESIDENT 2018

Âť


Computers, Smart Phones & Tablets Laptops, smart phones and tablets/iPads are dutiable if they are purchased overseas. If you are travelling to and from Grand Cayman with electronic devices, it is possible to voluntarily register them, so you are able to prove to Customs that these devices have not just been purchased abroad. Visit www.customs.gov.ky to download the form, which must be submitted more than 24 hours prior to travel. See the Shopping chapter for details on where to purchase electronic goods locally.

Importing Food Small quantities of meat and seafood can be imported as long as it is for personal consumption only. Seafood from all countries may be imported, but anything in excess of 20lbs must be accompanied by a Certificate of Wholesomeness, which can only be obtained by a prior application 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 (see below), is pre-wrapped under a brand name and has the Official Seal of Inspection of the country’s Meat Inspection Authority. Meats that are allowed: 1) Only swine products are allowed from the UK and Ireland. 2) All types of approved

Furniture, Lighting & Appliances Most rented condos and homes come with all the basic furnishings, lights and appliances you will need. If you’re buying a house or apartment, then they will also usually come fully furnished, unless they have been newly built. Our advice is to bring accessories and small items, like framed photographs etc. to help your new home feel like your own. Larger pieces of furniture can be shipped from home later. There are some good furniture and homeware stores in Cayman if you want to buy furniture once you arrive. The furniture available varies in both cost and style (see the Furniture section in the Shopping chapter). We do advise people to think very carefully before selling good quality pieces of furniture you own, or items that have sentimental value, as you are unlikely to be able to replace them locally. If you buy new furniture from overseas, you’ll have to pay for the shipping plus 22% duty. Guns The Cayman Islands has very strict laws on the possession of firearms. It is illegal to possess a firearm without a Firearms Licence specifically authorised by the Commissioner of Police. Punishment for this offence is severe with a minimum of 10 years imprisonment. It is possible however, to import a firearm (or your firearms collection) in some cases. To do so, the applicant should complete a Firearms Licence and import/export 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 the manner in which the firearm will be stored. Every firearm must be stored in a locked box or safe and the RCIPS will check to ensure that this is enforced. There is an active gun club on the Island, visit www.cissa.ky for details. Kitchen Appliances Most rental apartments come with major appliances such as a washer/dryer, dishwasher, microwave, refrigerator and stove. Do not bring these with you! A fully furnished apartment should also come with a toaster, kettle and coffee maker but if they don’t, then the local home centres and kitchen supply stores stock these items. Almost all the major brands of appliances are readily available in Grand Cayman. Medication 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 drugs. Regional DVD Compatability Cayman uses the American NTSC system. The British PAL system will not work here. All Region 1 (USA and Canada) DVDs are NTSC format. The main difference between North American systems and other countries is that other countries’ TV systems can play either PAL or NTSC DVDs whereas many US and Canadian TVs are NTSC only. Most US DVD players are NTSC Region 1 only players. Wine The Cayman Islands Customs Law states that an individual can import a maximum of four litres of wine at any one time. 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 a consistent CI$3.60 duty on each litre of wine.

Tell them you saw it in the

»

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

97

7

P R E PA R I N G T O M OV E

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 and you should buy what you need once you get here. Some small electronic items (mobile phones, laptops and digital cameras) can be run and charged using a travel adapter.

meats are allowed from the US, Canada, CARICOM countries, Australia and New Zealand. You are allowed to bring in coffee and herbs for personal use, as long as they are in their original packaging and sealed. No fruit or vegetables can be imported into the Cayman Islands. No plants, fresh cut flowers or plant cuttings can be brought in, unless a proper Import Permit has been obtained prior to shipping.

THE

(raincoat) for the rainy season. Generally, the dress-code is smart casual but there are a few black-tie functions. See the Shopping chapter for more information.


settling in Photos courtesy of Deep Blue Images and Daria Keenan from Picture This Studios.

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

SETTLING IN

8

98

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

98 98 100 101 102

Communications - Local & Long Distance Plans - Mobile Services - Internet Plans & Providers - Internet Rates Comparison Table

102 103 105 106 108

Television - TV Packages Comparison Table

108 110

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

111 111 111 112 113

Insurance - Health Insurance - Home Insurance - Life Insurance & Insurance Providers

114 114 115 117

Pensions - Private Pensions & Pension Providers - Government Pensions

117 117 119

CAYMANRESIDENT 2018

Âť

MONEY & BANKING

Opening a Personal Bank Account All banks in the Cayman Islands adhere to mandatory duediligence requirements, meaning they 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 and it is worth noting that, for example, a US citizen who has opened an account in the Cayman Islands will still need to declare the account to the Department of Treasury 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 the manner in which your account has been conducted. If the applicant has not had a bank account for 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


8

SETTLING IN

»

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

99


both must be referenced in the letter. If you

Tel: (345) 949 4655

Tel: (345) 949 7822

are moving from another country, it is much

Email: cnb@caymannational.com

Email: info@fidelitycayman.com

easier to get this letter organised before

www.caymannational.com

www.fidelitygroup.com

you leave your home country and bring it

Branches & Banking Hours: Elgin Ave (GT),

Branches & Banking Hours: Cayman Financial

with you.

Camana Bay (SMB), Buckingham Square

Centre, Dr. Roy’s Drive (GT), Monday-Friday

Source of funds and supporting documen-

on West Bay Road (SMB) and Cayman

9am-4.30pm; Fidelity Financial Centre (SMB),

tation, i.e. job letter if source is salary or

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

Monday-Friday 10.30am-6pm.

rental agreement if source is rental income.

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

Branch

If you are coming here to work, then a

Countryside

(Savannah),

accounts, credit cards, debit cards, prepaid

letter from your Cayman employer stating

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

cards, online banking, teller services, ATMs,

the commencement of employment, the

1pm; Little Cayman, Mondays and Thursdays

currency exchange, wire transfers, bank drafts,

amount you will earn and your position in

9.30 am–11.30am and 12pm–2.30pm.

utility bill payments and loans. SE E AD PAG E 64

the company.

Branch Services: Chequing, savings and fixed

A recent utility bill (less than 3 months old)

deposit accounts, credit and debit cards, online

RBC Royal Bank (Cayman) Limited

as proof of address.

banking, largest ATM network Island-wide,

PO Box 245, Grand Cayman KY1-1104

Valid forms of identification such as your

loans, mortgage services, currency exchange,

Tel: (345) 949 4600

driver’s licence and passport (they will

wire transfers, travellers cheques cashing, bank

www.rbcroyalbank.com/caribbean

photocopy your documents).

drafts, letters of credit, utility bill payments,

Branches & Banking Hours: 24 Shedden Road

Your full name, residential address, phone

Saturday

boxes

(GT), Monday-Thursday 9am-4pm and Friday

number, nationality, date of birth, occu-

(sizes vary depending on Customer Service

9am-4.30pm; Red Bay Branch, 53 Shamrock

pation and name and address of your

Centre, subject to availability), standing orders,

Road (next to Grand Harbour), Monday-Friday

employer.

customised credit solutions such as mortgages,

11am-6pm.

loans, domestic and international premier

Branch

banking at Elgin Avenue and Camana Bay

term deposit accounts, mortgage services,

locations, merchant services and night deposit

loans, ATMs, credit cards, online banking, wire

facilities.

transfers, bank drafts, private banking, small

Local Banks

Other Services offered by the Cayman

business and commercial banking services.

Butterfield Bank (Cayman) Ltd.

National Group: alternative investment funds,

ATMs are available at various locations Island-

12 Albert Panton Street, George Town

family wealth vehicles, investment brokerage,

wide. SE E AD PAG E S 41 & 54

PO Box 705, Grand Cayman KY1-1107

advisory services and discretionary asset

Tel: (345) 949 7055

management solutions. SE E AD OP P OSI T E PAG E

> >

> > >

SETTLING IN

8

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

Shopping

banking,

Village

safety

deposit

Services:

Services:

Chequing

and

chequing,

savings

savings

and

Scotiabank & Trust (Cayman) Ltd. PO Box 689, Grand Cayman KY1-1107

Email: info.cayman@butterfieldgroup.com www.butterfieldgroup.com

CIBC FirstCaribbean

Tel: (345) 949 7666

Banking Hours: Butterfield Place Banking Centre

PO Box 68, Grand Cayman KY1-1102

www.scotiabank.com/ky

(GT), Monday-Thursday 9am-4pm, Friday 9am-

Tel: (345) 949 7300

Branches & Banking Hours: Cardinall Ave (GT),

4.30pm; Midtown Plaza Banking Centre (GT),

www.cibcfcib.com

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

Monday-Friday 9am-4pm; Governors Square

Branches & Banking Hours: George Town,

4.30pm; The Strand (SMB), Monday-Friday

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

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

9am-4pm and South Sound (across from Grand

4pm and Saturday 9am-1pm.

4.30pm; Regatta Office Park, West Bay Road

Harbour), Monday-Friday 10am-6pm.

Banking Centre Services: accounts, online

(SMB) and Plaza Venezia, North Sound Road,

Branch

banking, ATMs, credit and debit cards, currency

Monday-Thursday 9am-3.30pm and Friday

Commercial,

exchange, wire transfers, bank drafts, utility bill

9am-4pm.

Advisory, Wealth Management, Trust Services

payments, night deposit facilities, safety deposit

Branch

savings

and Captive Insurance Solutions. Account

boxes, standing orders, Saturday banking,

accounts, credit and debit cards, currency

opening, mortgage and personal loans, savings,

mortgage services and loans.

exchange, wire transfers, bank drafts, utility bill

term deposits, personal insurance solutions,

Other Services Offered: credit references, home

payments, teller services, online banking, mobile

24hr Call Centre Support, ATMs, online and

insurance, trust services, private banking and

banking, telephone banking, ATMs, loans and

mobile banking. SE E AD PAG E 102

investment management. SEE AD PAGES 45 & 99

transfers.

Cayman National Bank Ltd.

Fidelity Bank (Cayman) Ltd.

PO Box 1097, Grand Cayman KY1-1102

PO Box 914, Grand Cayman KY1-1103

100

CAYMANRESIDENT 2018

»

Services:

chequing

and

Services: Private

Retail,

Corporate

Banking,

and

Investment

Online Banking, ATMs & Cheque Books All the banks offer online banking, but some are definitely more sophisticated and


user-friendly than others. If online banking is important to you, then 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$2.40CI$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. Getting a Mortgage Any of the local Class A banks can lend money. It’s sensible to shop around, however, as rates are competitive and the percentage above prime (from 1%-5%) can be negotiated. The usual term for a mortgage is 20 years, although some banks will offer as much as 35 years. Most home buyers will be asked to make a down payment of 5-10% or more as a deposit. There is no such thing as an interest-only mortgage in Cayman as there is in other parts of the world. Definitely ask if you can pay bimonthly (thereby paying less interest) and check if the bank charges a penalty for early repayment. Various factors are taken into account including your profession, salary, employer and credit history when the bank assesses an applicant. Once newer residents have established a good financial track record here however, the banks may be willing to renegotiate terms and give a more competitive rate. When taking out a mortgage, it is also worth factoring in that you will be charged stamp duty on the money you borrow. Mortgages of less than CI$300,000 attract a 1% government stamp duty fee, while mortgages of CI$300,000 or higher, attract a figure of 1.5%. If you are using an attorney, they typically charge 0.5%, while the bank charges 0.5% on the cost of the mortgage. If you think you will

8

SETTLING IN

»

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

101


be here for a few years, buying can be a good investment, and you may pay less on your mortgage than if you rented the same property. However, always consider that when buying a property, the stamp duty is 7.5% and when selling the property, real estate agents charge between 5%-7.5%. 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. MoneyGram

Enjoy life with banking made easy.

SETTLING IN

8

We understand that moving to a new country can be stressful. Scotiabank’s easy banking platform takes away the stress so you can enjoy your new home.

www.global.moneygram.com MoneyGram has eight locations on Grand Cayman and one on Cayman Brac. It offers a fast and secure way to send money. Western Union

http://locations.westernunion.com/search/ cayman+islands Western Union is located in the four Foster’s Food Fair supermarkets in Grand Cayman and L M Superstore in Cayman Brac. It’s a quick and reliable way to send or receive money. COMMUNICATIONS

• Choose from easy, flexible accounts that fit your financial needs. • Select the product that is right for you (Credit & Debit Cards, Mortgage and Personal Loans, Investments, Personal Insurance Solutions). • Bank anytime, anywhere with Scotia OnLine and Mobile Banking.

To learn more

visit scotiabank.com/ky or call 1 345 949 7666

®

Registered trademark of The Bank of Nova Scotia, used under licence.

»

Cayman_SB_New Resident_Banking Made Easy 2016_4.77x9.88 Rev.indd 1

102

CAYMANRESIDENT 2018

7/19/16 12:19 PM

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 is 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 combining mobile and residential phones, phone and broadband, broadband and TV packages, or three or more services 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 mobile data, text messaging, voicemail and more. 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. Stand alone and bundled internet and VoIP options are 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 FLOW to confirm the expected time of installation, as they are the only providers with a landline network. Digicel’s wireless VoIP telephone service makes it possible to have phone service at home in a matter of hours once the modem set-up is completed.

8

SETTLING IN

Overview of Local & Long Distance Telephone Services More and more people are making do without residential phones and are instead relying on their mobile phones to stay in touch. However, families with children often like to have a residential phone, and should you need to make a 911 emergency call, your phone number helps to pinpoint your location. FLOW as mentioned above, is the only provider of residential phones that uses fixed landlines. They offer three options for residential phone accounts: light users can simply pay a monthly line rental fee ($19) and then pay for the calls they make; heavier users can choose a WorldPak package that includes minutes to call the US, Canada and the UK, with discounts for calling other countries, with costs as low as two cents a minute. Logic and C3 offer phone services which allow users to make calls at home using an internet connection rather than traditional fixed lines.

Âť

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

103


SETTLING IN

8

Contact us about our Fibre Internet and TV options today!

Your life connected. Fibre Internet and TV | Wireless Internet and TV | Phone

745.5555 | www.logic.ky

R

104

CAYMANRESIDENT 2018

»


C3 offers home phone services over their state-of-the-art fibre network, rather than over traditional fixed lines. In addition, the ‘C3-n-GO!’ app for smartphones allows customers to use their C3 phone number to make and receive domestic and international calls from their smartphone, anywhere in the world; all that is needed is a data connection (WiFi, 3G or 4G). Data rates may apply. Logic’s Chatterbox service works with any internet provider and gives you unlimited international calls for a fixed monthly fee. Several monthly plans are available, depending on where 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.

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

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 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 and a proof of address - 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 $25 per month which will 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 ratings in the Cayman Islands, you will need to put down some kind of deposit if you choose a postpaid plan. This is refundable should you decide to cease your service with the telephone provider. 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. Rather than offering a choice of different plans, FLOW’s MyPlan system means that you start with a basic plan allowance (100 calling minutes, 2000 texts, 250 Mb data per month) and you can then customise it by adding extra text messages, ‘anywhere minutes’ (international and locals calls), data plans, cloud storage according to your particular needs and even music streaming. Digicel offers several postpaid plans, starting

from $30 per month all the way up to $130 per month, available on a 12 month contract. They also offer a great “simplicity” plan which offers the same allowances, but on a 30 day rolling contact, which is great when you are new to Island and finding your feet. Also, these plans don’t require you to buy a handset, so you can bring yours with you to the Island; you just have to make sure it’s unlocked from your previous network. 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

»

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

105

8

SETTLING IN

MOBILE SERVICES Two mobile service providers operate in the Cayman Islands: Digicel and FLOW. Both companies offer prepaid (or pay-as-you-go) options, 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. A high proportion of residents use smartphones, both Android and iOS, and 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, or top up credit with prepaid phones, as well as activate a number of add-on plans, such as reduced international calling rates, roaming and data plans.


lose what you’ve paid for. For those who are not sure how much data they will use, Data Test Drive gives customers unlimited data usage for the first three months of their contract, allowing them to calculate their typical usage in MBs and then choose the plan that best fits their needs. Digicel also offers “Digicel Extras” which offers great benefits such as free cinema tickets and lots of other exclusive offers and rewards to their customers, plus on all plans you can also earn airmiles every month for Cayman Airways, the national airline.

SETTLING IN

8

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: info@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 the mobile providers on Island is advisable as their selection of phones are the ones that work best on the networks here, plus 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 106

CAYMANRESIDENT 2018

»

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. These start at as little as $8, making roaming a lot more affordable for customers. These can be activated just before departure, and are usually valid for 30 days, but can be extended. You pay a flat monthly fee for the roaming plan and in return will be able to receive incoming calls and text messages for free and make calls at much reduced rates. Check with your provider which countries are covered by their roaming plans, as these vary. Travellers should also be very aware of using data while overseas. Because smartphones are constantly checking for incoming mail, texts, social media updates and so on, even if you are not actively surfing the web, you may well be using data without realising it. Using data while roaming can cost up to $12 per Mb, so it is usually a good idea to turn data roaming off on your smartphone, unless you have purchased a roaming plan that includes data. Add-on data roaming plans are also available. Roaming plans and data 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 The options for broadband are increasing every year, with wireless, fixed line and fibre optic connections available. FLOW, Digicel, Logic and C3 all offer home-based Internet plans with unlimited usage. Logic currently offers the highest upload speeds on Island. The higher the upload speed, the

better the performance for doing things such as playing online games and uploading files to the Internet. Bandwidths vary from as low as 512Kbps to as high as 300 Mbps in some areas. Fibre optic installation is ongoing, so how far the different fibre optic networks extend is constantly changing. It is therefore well worth researching 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, which means many residents can now 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. Internet Providers Digicel Broadband for business and residential customers is available through their LTE network, offering fast speed internet of up to 50Mbps across all three islands. The Digicel LTE Home Broadband is a ‘Plug and Play’ product meaning there is no installation required, allowing you to get online sooner. There is no need for a fixed line and no need for a fixedterm contract. You just purchase the LTE wireless modem, with the price dependent on the plan you take. Just pick up a wireless modem at a Digicel store and select from their prepaid or postpaid plans. These plans come with a seven day happiness guarantee so if you are not completely happy, you can return the modem for a full refund. They also have a 24/7 customer care hotline and a technical support centre. FLOW has replaced all 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 300Mbps. Rates start from CI$80 per month. 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. 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 them when it suits you and record multiple shows at the same time with only one TV box. You can request a free demo online at www.discoverflow.ky or visit a FLOW retail store. Logic At the time of writing, Logic’s fibre optic network was available in West Bay, Seven Mile Beach area, George Town, South Sound and Prospect with Savannah being the next area to be covered. Logic hopes to have extended the network to cover the whole of Grand Cayman by the end of 2018. Logic offers 5, 10, 15, 25, 50, 75 and 100 Mbps plans (this refers to download speeds) where fibre optic is available. Plans start from $59 per month, up to $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, will not pay an installation fee. If they only take one service there is a $199 installation fee. Installation takes approximately one week. C3 is the only 100% fibre optic internet company in the Cayman Islands. Standalone Internet packages range from 5 to 100 Mbps and start at $69 per month with no installation fee, no contracts and no hidden fees. Depending on availability, the time frame to get Internet installed is between 1-10 working days. Internet and TV bundles start from as low as $89 per month. For more information visit www.c3.ky or call (345) 333 3333.

8

SETTLING IN

Wireless Internet In areas outside their fibre optic network, Logic offers a wireless internet service. This can be more economical ($40-$125 per month) but speeds are significantly lower – from 512k at the lower end of the scale, up to 2.5Mb at the top end. This system requires no installation and no contract, so one can simply pick up a modem from the retail centre, plug it in and start surfing immediately. Digicel offers a home internet service via their LTE network. To activate this, you will need to purchase a modem and install a 4G SIM from Digicel. There is no installation or set up cost and no deposit required. The monthly cost is $89. Both pre- and post-paid plans are available. Internet on the Go For those who need to stay connected while on the move, there

»

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

107


Mobile & Internet Rates Comparison Table

are various options. Depending on 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 such connections are fast, it can become an expensive way to stay connected. Alternatively, FLOW and Digicel have mifi (mobile wifi) devices which act like wireless modems but can be charged up and taken anywhere. Several devices can connect to a mifi at one time and it will work in the car, at the beach or anywhere else. This is a good option for occasional use, but not a long-term substitute for home-based internet.

Rates per month are based on a one year contract:

FLOW SUPERFAST BROADBAND PLANS (PER MONTH/PRICES IN CI$)

10Mbps 15Mbps 25Mbps 50Mbps 100Mbps

$80 per month $106 per month $129 per month $150 per month $200 per month

300Mbps

$250 per month

FLOW PREPAID MOBILE DATA PLANS (INTERNET ON THE GO)

50Mb 250Mb 1GB 2GB 4GB

For 1 Day $2 For 3 Days $5 For 7 Days $10 For 30 Days $25 For 30 Days $35

10GB

For 30 Days $50

SETTLING IN

Mobile Essential 2000 local mins 400 intl mins 2000 local text s 3GB local data Base roaming plan Share with up to 3 numbers

$99

Mobile Plus 2000 local mins 500 intl mins 2000 local texts 7GB local data Base roaming plan Share with up to 3 numbers

$129

Mobile Max 2000 local mins 500 intl mins 2000 local texts 25GB local data Base roaming plan Share with up to 3 numbers

$149

10am-7pm, Saturday 10am-5pm > Stake Bay, Cayman Brac. Monday-Thursday 9am-5pm, Friday 9am-4.30pm Customer Care: 811 or 1 800 804 2994 To make an appointment to visit Customer Care, call (345) 949 7800 Customer Service Email: flowhelp@candw.ky Main Office: (345) 949 7800 Directory Assistance: 411 (0.50 per call) Business Services: (345) 949 7800 www.discoverflow.ky SE E AD PAG E S 66 & 107

Providers’ Contact Details

> Governors Square, West Bay Road. Monday-

C3

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

409 Walkers Road, George Town. Monday-

> Eclipse Drive (off Eastern Avenue, behind

Friday 9am-6.30pm, Saturdays 9.30am-1pm

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

Customer Service: (345) 333 3333

8.30am-5.30pm

Help Desk: (345) 333 3325

Tel: (345) 745 5555

Email: info@c3.ky or www.c3.ky

Call Centre hours: Monday-Thursday 8.30am-

SE E AD OP P OSI T E PAG E

8.30pm, Fridays 8.30am-8pm, Saturdays

Digicel Retail Stores

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

> 45 Market Street, Camana Bay. Monday-

www.logic.ky SE E AD PAG E 104

Friday 10am-7pm and Saturdays 9am-5pm > 72 North Church Street, George Town.

Phone Repairs

Monday-Saturday 9am-6pm

Cellular World

> Countryside Shopping Village, Savannah.

Bay Town Plaza, West Bay Road

Monday-Friday 10am-7pm and Saturdays

Tel: (345) 943 2355

9am-4pm

Cellular World can repair and unlock many

Corporate office: (345) 623 3444

brands of mobile phone and they can also

Customer Care from Digicel mobile: 100

replace the screens on iPads.

Customer Care while roaming: (345) 326 0000 Email: caycustomercare@digicelgroup.com www.digicelcayman.com Business Customers: (345) 623 2499

$59 $79 $99 $119 $149 $179 $199

Email: caybizz@digicelgroup.com SE E AD PAG E 103

FLOW’s Retail Locations: > Galleria Plaza, West Bay Road. Monday, Wednesday and Friday 9am-5.30pm, Tuesday

LOGIC WIRELESS INTERNET PLANS (MOBILE INTERNET PER MONTH)

10am -5.30 pm, Saturday 9am-4pm

Bronze/512Kb Silver/1Mb

$40 $50

Gold/1.5Mb X-Gen/2.5Mb

$69 $125

108

> Heritage Square, West Bay. Monday-Friday

9am-6pm, Sundays 11am-3pm

LOGIC FIBRE OPTIC INTERNET PLANS (PER MONTH/PRICES IN CI$)

5x5Mbps 10x10Mbps 15x10Mbps 25x10Mbps 50x20Mbps 75x20Mbps 100x20Mbps

5pm

Logic

FLOW POSTPAID MOBILE VALUE PLANS (PER MONTH PRICING)

8

Monday-Friday 10am-7pm, Saturday 10am-

CAYMANRESIDENT 2018

> Anderson Square, George Town. Monday, Wednesday-Friday

8.15am-5pm,

Tuesday

9.15am-5pm, Saturday 9am-2pm > Countryside Shopping Village, Savannah.

»

TELEVISION

In the Cayman Islands, residents can enjoy international programming through cable, satellite and broadband. There are also four free local over-the-air TV stations which can be received in all households as long as the TV has an antenna. These are: Cayman 27 (broadcast on channel 24 and Logic TV); 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). Although younger generations are


favouring on demand services such as BBC iPlayer, Netflix and Amazon Video, according to the UK’s Annual Public Service Broadcasting Report of 2016, the same survey also reports that older generations are keeping traditional broadcast TV very much alive. In Cayman, like anywhere else, the start-up costs for cable, satellite or broadband depend on the sophistication of the service, with monthly charges ranging from CI$39 to CI$129. TV service, notably satellite, can be affected by rain.

customers to choose between four monthly for more information. base packages offering a wide range of Logic TV offers TV services through channels at differing price structures, or high-speed fibre optic cables where these you can customise your channel lineup to are available. If fibre optic cables are not suit your viewing needs. They also have available, then a wireless cable TV service exclusive rights to all the English Premier is available. League games and the NFL Sunday ticket. Logic Fibre Optic TV: Four tiers of packages The first receiver box is free and there are available starting at CI$39 per month are regular promotions that include free all the way up to CI$125, and include a installation and set-up. You can request a number of HD channels. Add-ons for free FLOW`P|kÉï=oÉëáÇÉåí=^Ç|gìäó=OMNTKéÇÑ===N===TLVLNT===VWNR=^j TV demo in your home - www. HBO, MAX and sports channels can also discoverflow.co or visit a FLOW retail store be purchased. There is a CI$199 installation

Television Service Three companies (C3, FLOW and Logic) now provide TV programming, either as a standalone service or bundled with internet, via their fibre optic networks. Logic also has a cable TV service and Dish Direct TV provides Satellite TV. C3 provides TV, either as a standalone service or bundled with Internet, via their fibre optic network. C3 offers Small, Medium, Large and X-Large TV packages, giving viewers between 84 and 174 SD & HD channels, with the option to add on 12 different TV packages. C3 TV requires no installation fee, no contracts and no hidden fees. The C3 YourTV app allows customers to watch selected channels on smartphone/tablet through 3G, 4G or wifi. Customers are provided with one free Optical Network Terminal (ONT) and one free set top box as standard. Additional set top boxes and DVR set top boxes can be rented on a monthly basis. Hate wires? No problem, C3 also have wireless options for customers. TV and Internet bundles start at $99 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. FLOW TV allows

8

SETTLING IN

`

j

v

`j

jv

`v

`jv

h

»

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

109


TV Packages Rates Comparison Table LOGIC TV & INTERNET SERVICE

LOGIC FIBRE OPTIC TV (MONTHLY BASE PACKAGES PRICES IN CI$)

Light HD 24 channels w/16 HD Standard HD 72 channels w/48 HD Choice HD 107 channels w/71 HD Ultimate HD 142 channels w/100 HD

Logic TV customers can bundle their TV, Internet and phone services for additional savings. (Monthly Prices in CI$)

From $39 From $75

Logic Light 5/5

From $99 From $125

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).

SETTLING IN

8

From $99

Logic Standard 5 /5

From $129

Logic Standard 15/10

From $159

Logic Choice 15/10

From $179

Logic Ultimate 15/10

From $199

Logic Ultimate 25/10

From $229

Logic Ultimate 50/20

From $259

Logic Ultimate 100/20

From $289

FLOW TV MONTHLY BASE PACKAGES (PER MONTH PRICING IN CI$)

LOGIC WIRELESS CABLE TV (MONTHLY BASE PACKAGES)

Digital Starter 20 channels

From $39

Digital Limited 41 channels

From $60

Digital Classic 52 channels

From $72

TV Essentials

$40

TV Plus

$60

TV Max

$80

TV Watch All

All options come with 50 free music channels, which include various local radio stations. Customers on the Digital Classic package can add packages anytime: HD Pack (CI$12 per month), Family & Variety (CI$13.50 per month), Sports & Info Pack (CI$18 per month), HBO & Max Pack (CI$18 per month), Spanish Pack (CI$9 per month), Extreme Sports Pack (CI$5 per month), Sports Max Pack (CI$15 per month), Filipino Channel (CI$10 per month) and services such as HD (CI$12 per box, per month) and DVR (CI$16 per box, per month).

$120

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 for more information.

C3 TV & INTERNET BUNDLES (MONTHLY PRICING CI$)

Internet speeds are 5-100Mbps 84 Channels + up to 10Mbps

$99

158 Channels + up to 15Mbps

$149

174 Channels + up to 25Mbps

$189

84 Channels + up to 50Mbps

$199

DISH DIRECT SATELLITE TV (MONTHLY BASE PACKAGES, PRICES IN CI$)

Flex Package 50+ channels

From $34.99

Americas Top 120’s 120+ channels

From $74.99

Americas Top 200’s 200+ channels

From $84.99

Americas Top 250’s 250+ channels

From $94.99

Americas Everything Pack

From $144.99

Premium Movies: HBO $90, Cinemax $15, Showtime $15 and Starz $15

110

CAYMANRESIDENT 2018

»

fee when purchasing a stand-alone TV package. 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 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 8 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. SE E AD PAG E 104 Satellite supplies satellite TV services offering 350-plus channels, including high-definition, 3D programming and a broad range of international and special interest programmes. Your home or apartment complex must have a satellite dish for signal distribution. A complete satellite system can be designed, supplied and installed, if permission is given by the strata or property owner. The monthly price for programming depends on the selection of channels you want (see table Dish Direct TV


on previous page). They are located in the BrandSource Centre, 209 Dorcy Drive, Industrial Park, Tel: (345) 949 4000 or email: sales.dishdirecttv@candw.ky. UTILITIES

around the island allow customers to have their own cylinders filled at a fraction of the cost of exchange. For customers who consume a larger amount of gas, 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 have seen several decreases. In addition to cost and energy savings, 8

SETTLING IN

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 twopin American plug (see picture below). Monthly electric bills will vary depending on the size of your house/condo/apartment, 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 cost of electricity as of June 1, 2017 was CI$0.1058 per kwh for residential customers with a monthly facility charge fee of CI$5.31 and a regulatory and licencing fee of CI$0.000100 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 added as separate line items and vary from month to month), the cost per kwh is approximately CI$0.23 (as of June 2017). 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 approximately CI$237.39 and usage of 1,500 kwh would cost CI$353.47 (based on the June 2017 rate). The cost of electricity is the same islandwide 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 that are 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 > Customer Service Centre: Caribbean Plaza, West Bay Road Opening Hours: Monday-Friday 8.30am-4pm; Saturday 8am-12 noon PO Box 38, Grand Cayman KY1-1101 Tel: (345) 949 5200 Fax: (345) 945 1218 24-hour Fault Reporting: (345) 945 1282

Cayman’s Electrical Outlet

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 used as a clean burning alternative energy source for a wide range of indoor and outdoor appliances. 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

Compatible Electrical Plugs

»

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

111


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 one of the companies below. Clean Gas Ltd. Tel: (345) 949 5252 Email: mcumber@islandair.ky Clean Gas offers supplies of propane gas, in transparent and regular composite cylinders to residences and businesses across Grand Cayman. Call for prices and to arrange delivery. Home Gas Ltd. Walkers Road Plant, 490 Walkers Road GT Tel: (345) 949 7474 Email: info@homegas.net

8

www.homegas.net

SETTLING IN

Home Gas is the clear choice and one-stop shop for all propane needs, providing full-gas commercial and residential solutions for any scale development.

Home Gas supplies propane gas for residential and business use. They offer a full-service operation from installation, gas delivery and repairs. They also offer free consultations where trained technicians will advise on which

OUTDOOR FEATURES • APPLIANCES FULL SERVICE • FINANCING DESIGN • PEACE OF M IND

appliances use propane and what energy savings you can expect. Home Gas also offers state-of-the-art gas appliances, including water

heaters,

cooking

stoves,

dryers,

generators, outdoor fire features, tiki torches and more. They also sell the Mosquito Magnet, which is a safe eco-friendly pest control system for eliminating mosquitoes from your garden. Their services are available in all three islands. Bills can be paid online if you bank at Butterfield, CNB, RBC or CIBC FirstCaribbean. SE E AD T H I S PAG E

EFFICIENT AND AFFORDABLE w w w.home gas.net | 345.949.7474

112

CAYMANRESIDENT 2018

»

Petrol & Diesel In Cayman, there are numerous Esso and Rubis petrol stations with convenience stores attached (they are almost the only places open on a Sunday where you can buy essentials). The average cost of full service premium petrol at the pumps is around CI$4.49 per imperial gallon (4.55 litres), although prices vary from one station to another. Self-service petrol can be 5¢ cheaper per gallon, while diesel is around CI$4.15 per gallon (July 2017).


Water Cayman Water Company Limited (Tel:

(345)

945 4277) and Water Authority - Cayman (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 to be treated using Reverse Osmosis. This process, together with the addition of three fluoride-free chemicals, makes the water safe to drink straight from the tap. All chemicals added to the water are National Sanitary Foundation (NSF) approved for potable water use. Of the two water companies, 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 water and trucked water). Both companies require you to fill out an application, present your Land Registry form (which proves you own the property) and pay a non-refundable connection fee that may vary according to the size of your water meter. Please note that both companies only allow property owners to apply for water service at this time. If you are a tenant, please 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 in your home’s plumbing, please contact a licensed plumber as soon as possible. A

list of licensed plumbers in the Cayman Islands may be found online at www. waterauthority.ky. At Cayman Water, the first 3,000 US gallons will be charged at CI$18.63. Anything above that will cost CI$22.35/1000 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 other frequently asked questions (www. caymanwater.com). At Water Authority - Cayman, the first 12 cubic meters (m³) (approximately 3,200 US gallons) will be charged CI$4.38. Anything above that will cost CI$5.57/ 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) and a CI$5 meter rental fee per month. The Water Authority Cayman’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. Water-saving shower heads

»

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

113

8

SETTLING IN

At the time of going to press, the cost of premium petrol in Florida was in the region of US$2.15 per US gallon (3.785 litres) or CI$2.62. The average price of a litre of fuel in the UK is around £1.16 for petrol and £1.16 for diesel per litre. Please note that the petrol pump nozzles on both diesel and petrol are the same size in Cayman, unlike in Europe and the US, where they are different sizes. Therefore, it is quite possible to mistakenly put diesel in a petrol-run car. You can view the cost of petrol at each station on www.ofreg.ky. The (import) duty component of gasoline is 75 cents per imperial gallon and 85 cents 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 both 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 it works very well on automobiles as well. Please note that Cayman Islands Law states that all fuel stations must display their fuel prices (within sight of the fuel dispensers) in CI dollars and imperial gallons. However, most marine and mobile fuel providers dispense fuel in US gallons, which is approximately 20% less per volume than imperial gallons. Make sure that you are being charged appropriately.


can be obtained from their office, at no cost. For emergencies outside of business hours, please call (345) 946 4357.

bottles (with handles) that have been through

SE E AD PAG E 113

is absolutely chlorine-free. The five-gallon

a multi-stage reverse osmosis and sub-micron filtration system with ozone. Their water bottles cost CI$6 each with free delivery to

Bottled Water Locally bottled water is clean, affordable, convenient and tastes good. The grocery stores also sell bottled water but a far more environmentally friendly option is to install an under-the-sink well-water/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. It is then a simple job for a plumber to fit the system under the sink.

your home or office. You can also pick up fivegallon bottles from convenience stores and petrol stations Island-wide. They also sell and manual pumps and other accessories.

Bulk Water Flowers Block 184 Seymour Drive, Industrial Park, GT Tel: (345) 623 0000 Email: customerservice@flowersgroup.com www.flowersgroup.ky

Flowers Bottled Water

need their cisterns filled. Having a sufficient

172 Seymour Drive, Industrial Park, GT

water reserve is good preparation for hurricane

Tel: (345) 949 8688

season. They also provide pool water and offer

Email: sales@flowerswater.com

same day delivery. SE E AD PAG E 166

www.flowerswater.com Operating since 1974, Flowers Bottled Water

INSURANCE

sell purified water in five-gallon BPA-free

Cayman has a wealth of insurance

SETTLING IN

Car Insurance Refer to the Transportation chapter for more information and page 116 in this chapter for car insurance providers.

rent hot/cold and cold water coolers along with

Flowers Block offers bulk water for those who

8

companies that can provide cover for your home, car, life, health, property, contents, liability and much more.

Health Insurance Under the law, employers must obtain health insurance for employees, their unemployed spouse and dependent children residing here. The cost of the employee’s health insurance is split 50/50 between employer and employee for the basic single plan rate, and the employee will potentially have to pay 100% for his or her dependents. Many insurance companies in Cayman offer global coverage as well. All self-employed persons must also have their own health insurance. Health insurance rates depend on the size of the group, age, any pre-existing conditions and whether it is a standard or premium plan. A

Aon Risk Solutions

When it comes to insurance, we’ve got this Relocating isn’t easy. When you’re looking for health, car or property insurance, you can trust Aon to save you time and money. It’s our job to find you the best policy at the best price. Aon. We’ll take care of it. stressfree@aon.com 1-345-321-1AON (1266) Risk. Reinsurance. Human Resources.

19576_Cayman print ad - general Insurance _R1.indd 1

114

CAYMANRESIDENT 2018

»

7/12/16 4:50 PM


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 (condominium), 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 in the Cayman

Islands, plus an additional Stamp Duty fee of 2% of the premium for policies covering immoveable 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 to the insurance companies. It’s also worth noting that when you apply for a mortgage from a bank, most will steer you towards a specific insurance company they either partially own or in which they have a special interest. Since insurance coverage and rates vary between companies, shop around regardless of the recommendation from your bank. 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 document the current replacement cost for each article. This will ensure you do not inadvertently underinsure your contents. The consequences of under-insuring 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 house insurance. You need to ensure your property rebuild valuation is current and the sums insured

WELCOME TO THE CAYMAN ISLANDS!

Getting great insurance coverage is now even easier with Cayman FIRST! We offer a range of insurance products including Commercial, Health, Home, Marine and Motor, tailored to you and your lifestyle.

For more information, Visit caymanfirst.com or Call 345-949-7028

»

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

115

8

SETTLING IN

pre-existing condition may lead to reduced coverage if you’re not “portable” from another Cayman-based plan. Standard/basic plans often only provide on-Island care and overseas care when not available in Cayman, plus limited dental, prescriptions, out-patient doctor’s visits or diagnostic procedures. They usually cost CI$140-$200 per month per individual and CI$325-$650 for a two-party or family rate. Higher option plans provide on-Island, as well as more overseas care, and include many additional benefits that the standard plans do not. The cost is significantly more, CI$400-CI$800 for an individual and CI$1,200-CI$2,400 per family. If your company has a group plan, then the monthly portion you may pay is approximately CI$200-CI$400 for comprehensive coverage and in the range of CI$83 for basic coverage. If you are rated as high risk, then your cost shares could be higher. Please note that if there are major claims/losses on your health insurance during the year, then your premium may go up. If you have to find your own policy, then consider engaging a broker to see which insurance plan would work best for you. Your doctor or dentist may 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.


184074_HR-Ad-Resident-SettlingInPage 1

8/2/17

1:09:01 PM

are adequate. If you’re the owner of a property that is part of a strata complex, then in most cases your kitchen contents (cabinets, fridge, cooker and dishwasher) will be covered by the strata’s building insurance. If you are the owner of a house, which is not part of a strata, you will have to insure your kitchen appliances as part of your contents insurance.

Global Alliance (GGA) programme. SEE AD PAGE 52 British Caymanian Insurance Tel: (345) 949 8699 Email: info@britcay.ky or www.britcay.ky For over 30 years, BritCay has been known as a company that offers security, stability and great customer service. Products offered include:

Property

and

Casualty

(home,

motor, travel and commercial insurance), Health Insurance and Employee Benefits, Life

Insurance Providers

Insurance and Pension Services. SEE AD PAGE 273

Aon Cayman Risk Solutions (Cayman) Ltd.

8

Tel: (345) 945 1266

Cayman First Insurance Company

Email: nigel.twohey@aon.com

3rd Fl, Harbour Place, 103 South Church Street.

www.aon.com/caymanislands

Tel: (345) 949 7028

Products: risk management broker services

Email: askus@caymanfirst.com

offering

www.caymanfirst.com

commercial

customers

strata,

business and liability insurance, personal

Products: Health, Property, Motor, Marine,

customer’s home, motor and marine insurance

Casualty and Commercial. SE E AD PAG E 115

plus health, life and disability policies for employer groups, individuals and families.

Cayman Insurance Centre (Insurance Brokers)

SE E AD PAG E S 114 & 328

Tel: (345) 949 4657 Health: (345) 946 3930

SETTLING IN

www.cic.com.ky Balderamos Insurance Services

Products: Life, Group Health, Individual Health,

Tel: (345) 945 3450

Property,

Email: bis@candw.ky or www.bis.ky

Indemnity and Marine. SE E AD OP P OSI T E PAG E

Motor,

Liability,

Professional

Products: Fire and Allied Perils, Business Interruption,

Homeowners,

Motor,

Public

Fidelity Insurance (Cayman) Ltd.

Liability, Workmen’s Compensation, Marine,

Tel: (345) 949 5836

Travel, Burglary, Directors and Officers Liability,

Email: insurance@fidelitycayman.com

Professional Indemnity, Fidelity Guarantee,

www.fidelitygroup.com

Money, Contractor’s All Risk and All Risk.

Products: Property, Construction, Liability, Business, Marine and Motor. SE E AD PAG E 64

Bogle Insurance Brokers Ltd. The Insurance Company of the West Indies

Tel: (345) 949 0579

(Cayman) Limited (ICWI) Briat Insurance

Tel: (345) 949 6970

Tel: (345) 945 0030

Email: cayman@icwi.com or www.icwi.com

Email: info@briatgroup.com

Products: Motor, Property, Casualty, Liability and Marine. Ask about REACT, Family Pack,

www.briatgroup.com Briat

Insurance

(formally

known

as

Uninsured Motorist, Accident Forgiveness and

Rossborough Insurance) focuses on providing

Alternative Transport under Motor Policy.

insurance solutions and risk management

SE E AD OP P OSI T E PAG E

services to a range of commercial customers,

116

CAYMANRESIDENT 2018

»

including executive homeowners. Through

Island Heritage Insurance Company Ltd.

Briat’s extensive relationships throughout the

Tel: (345) 949 7280

industry, they have the ability to place into

Email: info@islandheritage.com.ky

both the regional insurance and international

www.islandheritageinsurance.com

specialty markets, including Lloyds of London.

Insurance providers for Home, Motor, Yacht,

Briat is a global partner under the Gallagher

Commercial Property, Liability and Contract


Works. SE E AD OP P OSI T E PAG E, 142 & 216 Pan-American Life Insurance Company of the Cayman Islands Tel: (345) 949 8304 Saxon Insurance Tel: (345) 947 2966 Email: insurance@saxon.ky or www.saxon.ky

You. Your Parents. Your Grandparents. Your Children.

Saxon is the only insurance company in Cayman that allows you to Build Your Own Policy. Play around with coverage, deductibles, limits and add-ons until you find the perfect balance of price vs cover. Saxon provides Property, Contents, Auto, Travel and Liability

Across generations, CIC has been providing comprehensive insurance for your personal and commercial business. Join the circle of life. Enjoy peace of mind now and in the future.

Insurance. Save time by buying online, by email, by phone or even by online chat. SE E

AD PAG E S

51, 118, 140 & 215

Life Insurance The companies below are independent brokers who specialise in life insurance. Many of the companies listed under Insurance Providers also offer life insurance.

• Group Health • Individual Health • Homes & Commercial Properties • Motor • Life • Marine • Liability • Construction Insurance • Directors & Officers Liability • Professional Indemnity

CAYMAN INSURANCE CENTRE LTD. Insurance Brokers

Cayman Business Park, Thomas Russell Roundabout, P.O. Box 10056, Grand Cayman KY1-1001

GRAND CAYMAN CAYMAN BRAC

T: (345) 949-4657 F: (345) 949-8137 T: (345) 948-1382

www.cic.com.ky SETTLING IN

Karim Awe Tel: (345) 814 7247 or Cell: (345) 916 0948

COMPLETE COVERAGE AT YOUR SERVICE.

Email: karim.awe@cic.com.ky www.lifeinsurancecayman.com Offers advice on the most appropriate insurance plan to meet your requirements and budget. He has a sound local understanding of Cayman plus an excellent product range, supported by leading insurance providers worldwide. Call for a free, no obligation quote. Michael Webster - Life Agent Tel: (345) 925 5433 Email:michael.webster@cic.com.ky

SPECIALISED PRODUCTS AND SERVICE OFFERINGS

www.lifeinsurance345.com Michael Webster offers protection for both

moto r • p r o p e rt y • ma r i n e • e n g i n e e r i n g • l i a b i l it y • acc i de nt

your mortgage and family. He offers term life, universal life and whole life policies, plus college saving plans and child savings plans. For peace of mind, call for a free, no obligation quote. SE E AD PAG E 119

THE INSURANCE COMPANY OF THE WEST INDIES (CAYMAN) LTD. PENSIONS

Private (Non-Government) Pensions Cayman is different from most other countries when it comes to pensions. The

8

icwi.com

150 Smith Road, P.O. Box 461, Grand Cayman KY1-1106, Cayman Island.

Call: 949-6970

jamaica • bahamas • st. maarten • cayman • st. kitts & nevis • the british virgin islands • trinidad & tobago

»

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

117


SETTLING IN

8

pension system is privately funded in Cayman, but Government-mandated. The Department of Labour and Pensions is responsible for the regulation of pension plans and pension providers. Both employers and employees must contribute to a pension plan. The Government has set up its own arrangements to administer pension contributions for civil servants. See later in this chapter for more information. In May 2016, the National Pensions (Amendment) Law 2016 was passed with over 50 provisions revised. The National Pensions Law requires employers and employees to contribute an amount equivalent to 10% of an employee’s monthly salary into an approved pension scheme. The legislation requires employers to contribute at least 5% and employees up to 5% (together amounting to no less than 10%). Under the new provisions, the maximum annual pensionable earnings are CI$87,000. Self-employed people are also required by law to contribute 10% of their salary to a pension scheme.

Most plans allow for additional voluntary contributions, which may be allowed to be withdrawn prior to retirement. Pensions are usually transferable from one approved pension plan to another, i.e. when changing jobs. The normal age of pension entitlement at which people can access their pensions is 65. However, the Normal Age of Pension Entitlement Option Order, 2016 gives persons who were aged 48-60 years old in 2017, the option of retaining 60 years of age as their normal age of pension entitlement. There will also be changes to the withdrawal of pension funds under the new Law. If an employee wants to transfer their pension to another pension plan overseas then the member’s employment must be terminated, there must be no contributions to their pension account for two years and the member must be absent from the Islands for two years before the pension funds can be transferred. The new Law stipulates that pension plan members will no longer be able to obtain a refund after December 30 2019, except under

two circumstances: at the administrator’s discretion for commuted values of less than CI$5,000 and where a member reaches 65 and wants to, but is unable to transfer their pension benefit to an approved pension plan, retirement savings account, etc. This policy shift was deemed necessary in order to minimise the possibility of persons accessing and depleting their pension benefits, and then subsequently returning to the Islands and becoming wards of the country later in life. However, if you leave Cayman and the sum in your pension account is under CI$5,000, then you can request the withdrawal of your funds and according to the Law, your funds should be available six weeks after the receipt of your last month’s pension contribution. For queries regarding your pension plan contact your pension provider. If you have a query regarding the new Pension Law, call the Department of Labour and Pensions on (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

Get smart. Get Saxon.

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 90 North Church Street, George Town Tel: (345) 745 7630 Email: admin@pensions.ky www.chamberpension.ky A not-for-profit pension plan since 1992.

As the only wholly Caymanian owned insurance company we are 100% committed to serving your needs through smart, flexible and affordable insurance. Saxon Insurance. It’s the SMART thing to do. Flexible policies

|

Competitive pricing

|

Personal service

Chamber Pension Plan is the Cayman Island’s longest-established pension provider. Chamber does not charge management fees or accountlevel charges. It has over 18,000 members and 1,400 businesses participating in the plan. The plan’s investment portfolio is managed by

Visit saxon.ky or call (345) 94SAXON

a team of leading international professional investment managers.

118

CAYMANRESIDENT 2018

»


2000- present: The Defined Contribution Plan

Regular

Employees who joined the civil service after January 2000 are on a different plan, the Defined Contributions Plan. They contribute 6% of pensionable earnings, and their employer contributes an additional 6%. Eligible participants can start to receive a pension from age 60 (although normal retirement age is due to be raised to 65, in line with the National Pension Law). Retirement benefits are based on their account balance, age at retirement and the payment option chosen. The Public Service Pensions Board was established in 1992 to administer the Public Service Pensions Fund, communicate with plan participants and employers and prescribe contribution rates in accordance with the latest actuarial valuation. A funding valuation is carried out every three years, to ensure the fund continues to meet its obligations over the long term. Cayman’s public sector retirement plans are facing some serious underfunding issues at present. A pension evaluation made prior to January 2014 had noted the state of public pension funds, declaring that at the current level of contributions, the Defined Benefit Plan fund would be depleted by 2024. This estimate does

Tel: (345) 949 8699 Email: pensions@britcay.ky or www.britcay.ky Excellent investment returns, competitive administration/investment fees (no hidden fees), contributions allocated and invested

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 Tel: (345) 949 7822 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 bestrated funds within their asset class, and have delivered superb investment returns to their investors. Silver Thatch Pension Plan (Powered by Saxon Pensions) 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 $500 million, with low fees and multiple retirement benefits. They are an industry leader offering clients the only fully paperless process in Cayman, helping to streamline clients’ pension needs, in a secure

THE

selection of investment mix encouraged.

BritCay House, 236 Eastern Avenue, GT

not include increases to the monthly pension contribution rate for public sector employees: as of July 1, 2016, the government increased the amount paid on behalf of civil servants in the Defined Benefit retirement plan from 12% to 17% of annual salary. The cost of that increase is being paid entirely by government, not the individual plan participants. They also do not include an $18 million contribution the government made to the fund in 2016. By 2016, the public service plan’s liabilities (payments expected to be due) outstripped the assets in the plan by about $220 million - up from $191 million in 2015. An unfunded liability in a pension plan represents the amount it estimates it will have to pay over a certain period – in the public service plan’s case, 20 years – to meet the monthly pension payments due to retirees. In the Public Service Pensions Board’s case, the unfunded liability applies only to the “defined benefit” portion of the plan – participated in mainly by older civil servants and retirees who joined the government prior to 2000. Despite some positive investment returns throughout the very volatile economic environment of 2014 and 2015, they were not high enough, in the view of pension plan actuaries, to keep the unfunded liability in the plan from growing. For more information the Public Service Pensions Board can be contacted on (345) 945 8175 or see www.pspb.gov.ky.

Tell them you saw it in the

and dependable manner.

Government Pensions All civil servants pay into a government pension scheme but the amount they receive at retirement has changed, and depends on which plan they are on. 1991 -2000: The Defined Benefit Plan

From January 1991 to December 1999, government employees were on the Defined Benefit Plan. Individuals contributed 4% of their pensionable earnings and the employer matched this

MICHAEL E. WEBSTER Life Agent

Cell: (345) 925 - LIFE (5433) Email: lifewithmike345@gmail.com michael.webster@cic.com.ky w w w.lifeinsurance345.com Your home may be your most valuable asset... Protect it today with Home Mortgage Series.

Home Mortgage Series Plus MORTGAGE

»

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

119

8

SETTLING IN

every month, active participation and member

with another 4%. Under the Pensions Law at the time, employees with ten or more years’ pensionable service to government were eligible for retirement benefits, payable until their death, regardless of contributions made. Retirement age was 60, but pensions benefits could begin at 55, with unreduced benefits.

Colonial Pension Services Ltd.


home finding a

FINDING A HOME

911

Overview of the Property Market - Land & Homes - Condos & Apartments - CI Real Estate Brokers Association - Legal Overview

120 122 124 124 124

Overview of Residential Areas - Grand Cayman - Cayman Brac - Little Cayman

126 126 138 138

Buying a Property - Stamp Duty & Other Charges - Legal Conveyancing - Mortgages & Borrowing - Insurance Required for Mortgages - Strata Titles - Property Valuations - Pitfalls to Avoid - Home Inspections & Site Surveys - Property Management Services - Realtors - Sales

139 139 140 141 141 141 142 143 144 145 146

Renting a Property - Starting Your Search - Related Costs - Realtors - Rentals

148 148 149 150

Temporary Accommodation

120

CAYMANRESIDENT 2018

151

»

Photos courtesy of Deep Blue Images and Cayman Islands Sotheby’s International Realty.

Overview of Cayman’s residential areas, renting guidelines, resources for finding a place to live, buying a property and temporary accommodation.

OVERVIEW OF THE CAYMAN PROPERTY MARKET

Finding your own piece of paradise to call home need not be a challenge. In fact, if you are lucky enough to live in the Cayman Islands, finding a home should be one of the more exciting tasks on your to-do-list. There is such a diverse selection of properties available from waterfront homes, canal front condos to inland properties. Value-wise, Cayman compares very favourably to other Caribbean islands, especially taking into consideration our high standard of construction which is not always offered regionally. Strict building codes ensure your property is built to a very high standard with Government appointed inspectors certifying the build-out throughout the entire process. Real estate companies are numerous, so there are excellent choices from smaller boutique style firms to the internationally recognized brands all with professional and regulated agents and brokers to assist you with your search for a rental or something to buy. With a stable economy, high standard of living and beautiful environment, the Cayman Islands is an ideal place for you to own property. With no annual property, income or corporation tax, nor capital gains payable in Cayman, it is clear to see why so many expats have bought homes here. Moreover, with such a strong rental market based on a transient population of work permit holders, it can also make for a smart investment. The added benefit of making an investment here is that the variety of properties for sale— homes, villas, studio apartments and condos— can be found in a wide variety of financial categories.


9

FINDING A HOME

»

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

121


FINDING A HOME

911

The Cayman property market saw a significant upswing in property transfers in 2016 and 2017. In 2016 there was an additional 4% increase in market transfers over 2015, and a 16% increase in total values of transfers. In fact, the total value of sales in 2016 was just over CI$622 million, which is the highest ever on record giving property owners much to feel confident about (Source: Charterland). In terms of commercial developments, 2016 saw some frenetic activity, with Dart leading the way. No sooner had PWC moved into 18 Forum Lane in Camana Bay, Dart began constructing its sister building, which is slated for completion in the Fall of 2017. Along with the National Roads Authority, Dart is near completion on the expansion of the Esterley Tibbetts Highway to four lanes, which will help ease congestion through Camana Bay and along the highway at peak hours. The new Kimpton Seafire Resort & Spa opened in December of 2016 and has quickly become the place to stay, dine and simply gather and enjoy life. Dart continues to study the effects of its rock removal programme in front of its next big project which is rumoured to be a five-star property, thought to be a Four Seasons Hotel or similar, just north of the former Tiki Beach Restaurant which will be open by 2020. In 2016, Dart also acquired the Grand Cayman Beach Suites property and Britannia Golf course. After much debate, and backlash from Britannia residential home owners, the golf course was closed, but the beach front site has been reopened and branded. The “New Hemingways”, as it is now know, is a chic pan-Asian oasis with a beach bar, restaurant, two pools and a beautiful beach. It is another offering from the unstoppable LUCA and Ragazzi team and is the place to hang out now. While development has been active in the Seven Mile Beach area, George Town has not seen much improvement. The Government has promised it will look at revitalising the capital— enhancing areas around historical landmarks and pedestrianising roads, but we wait to hear 122

CAYMANRESIDENT 2018

»

about more concrete plans. News on the controversial new cruise ship terminal has gone quiet while the Government decides if it’s feasible to move the wreck of the Balboa, as well as live coral from the affected footprint of the development. Cayman Enterprise City has again delayed plans for its ground breaking on its main 850,000 sq ft campus in South Sound. There are currently over 200 companies from across the globe operating from the various Special Economic Zone’s current locations. South Sound has always been a very active residential development zone and 2016 and 2017 have seen several new projects completed, including the Shore Club, Vela (another Davenport success story) along with other new projects that intend to continue the push for luxury oceanfront as an alternative to Seven Mile Beach. Fin Grand Cayman, Tides and The Sanctuary, along with several other yet to be named developments, will continue South Sound’s rapid growth. Health City in East End continued its expansion in 2017 by breaking ground on the construction of 59 apartments for staff and long-stay patients, as well as a commercial building which will house a bank, retail stores and offices. Over in Frank Sound, the Ironwood development’s plan for an 18-hole Arnold Palmer golf course and resort have had a lull in activity since the death of the golf legend, but the owners are keen for the project to move ahead in 2018. The developer of the Caribbean Club on Seven Mile Beach has started preselling The Rum Point Club with plans to build a 36 unit five-storey beach front condominium. This project will add significant population to this region and will likely mean more amenities for those who call Rum Point and Cayman Kai home. Land Land continues to be a solid investment in the Cayman Islands. There has been a significant increase in the volume of canal front lots sold in recent years in areas

such as Crystal Harbour, the CI Yacht Club, Clipper Bay and Patrick’s Island. Any reduction in land sales going forward is likely to be the result of diminishing supply, as opposed to a drop in demand. Inland property remains more affordable than beachfront, waterfront or canal front. Care and due diligence should be taken as to the ground and soil conditions of any land acquisition as this varies considerably in Cayman and can add hidden costs to future development. Potential buyers should also appraise themselves as to the location and history of the survey or boundary markers. Individual beachfront land parcels can still be found at good regional value, especially in the Eastern and North Side districts. Overall confidence has confirmed that the Seven Mile Beach and South Sound corridors have been the most desired areas in 2017. Homes A wide variety of architectural styles and a tremendous spread of price points are available in the housing market. As of July 2017, there were exactly 289 homes listed for sale on the MLS system in Grand Cayman, 16 homes for sale in Cayman Brac and 4 homes for sale in Little Cayman. It is best to take counsel with a CIREBA realtor who should know the areas, styles, and amenities to suit your needs. One may also consider building, however in many instances, better value may be found in already built homes, so make sure you invest the time to exhaust the available options before custom building, unless you are very specific in your requirements. Contemporary seems to be the mood of the moment for some of the more recently built homes, but there are also quite a lot of Mediterranean, Island and Ranch style options. Some property areas sell faster than others, thus considerably better value may be found just ten or fifteen minutes out of the George Town and Seven Mile Beach areas where the vast majority of the population works, schools are located, etc. Consideration should be taken as to the re-sale time frame of any home purchased


9

A tremendous selection of real estate across all price points is available for purchase or rent. Compass Point... Island Living at a great price.

Seven Mile Beach Coconut Walk Unique Seven Mile Beach estate. 1.45 acres of lush, landscaped grounds. Seven suite mansion house, three car garage, two apartments. MLS#406686

Spectacular top floor, 2B/2B corner condo in one of the leading dive resorts of the Caribbean. Great amenities. US$389,000 MLS#402337

345.623.1234 www.SIRCaymanIslands.com Seven Mile Beach, Grand Cayman, Cayman Islands | info.cayman@sothebysrealty.com Each Office is Independently Owned and Operated. Member of CIREBA

Âť

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

123

FINDING A HOME

We know you’ll love living here, we do.


as absorption rates can traditionally hold properties on the re-sale market for some length of time.

FINDING A HOME

Condominiums & Apartments A great 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’. The strata by-laws should be read to ensure they meet your family requirements, i.e. pets, rentals, and management details. Also strata or condominium fees should be reviewed to understand if any assessments are pending, insurance payments have been factored in, etc. There are complexes available from three units to much larger developments with a variety of amenities. Sales in Seven Mile Beach saw a slight drop off in 2016 at 911 115 sales, slightly down from 2015 due to the continued decrease in inventory. As of June 2017, there were 270 studios (one, two, three and four-bedroom) condos for sale on Seven Mile Beach, the least expensive at Margaritaville Hotel, with a new category of hotel rooms with set owner usage for sale from US$195,000. Seven Mile Beach fronting condo complexes range from US$550,000 and up to US$16,150,000 for a three bedroom four bath condo at the Ritz-Carlton. Some developments have full time property managers and tourist rental programmes and others are private for owners and guests only. A wide choice is available from small modest units inland to ultra-luxury apartments in WaterColours, the Ritz-Carlton and the new Kimpton Hotel. Significant ROI are made in Cayman condos, as we benefit from a buoyant local full time rental market with many residents flocking to our shores on work permits with the need for accommodation. Aside from Seven Mile Beach, there are numerous other options available on our Islands from one to four bedrooms, with inland, canal, water or beach views, all with differing styles, amenities and management. Pricing varies from CI$100,000 to $5 million. For lots more information on what each district in Grand Cayman, Cayman Brac and Little 124

CAYMANRESIDENT 2018

»

Cayman offer, read on. The Cayman Islands Real Estate Brokers Association (CIREBA) The real estate industry in the Cayman Islands today is dramatically different than the 1970s and 1980s, when it was in its infancy. During those early years, the real estate companies were not organised as effectively and efficiently as they are today. In 1987, the industry was transformed by a group of realtors who agreed to form the Cayman Islands Real Estate Brokers Association (CIREBA). CIREBA is a not-for-profit association based on the North American style of relationship between realtors and clients but adapted to work within the UK-based legal system of the Cayman Islands. One of the Association’s founding objectives is to “improve and elevate the general knowledge of persons engaged in the real estate business”. Today, CIREBA is proud to boast that it has 34 member companies with 175 Sales agents in the group (as of July 2017). This makes up the majority of all realtors in Cayman. The vast majority, nearly 90% of all real estate transactions (excluding government acquisitions), are negotiated using a CIREBA broker. To be a member of CIREBA, agents and brokers must complete a professional training programme which, amongst many subjects, encompasses business ethics, due diligence requirements and some contract law. A high degree of competence is expected from all CIREBA members and they must adhere to a strict code of ethics established by the Association. CIREBA has always been very active and supportive in the KYC, (or Know Your Customer); it is compulsory that all CIREBA agents attend an AntiMoney Laundering (AML) conference every year which is hosted and presented by an AML professional. CIREBA members input listing data into the Multiple Listing System (MLS), providing a central data source of information for its members to provide convenient shopping to prospective purchasers. The basic premise of the MLS is that all CIREBA

member firms have agreed to share their property listings and work together on any real estate transaction. This means you can view and buy any property through any CIREBA agent, not just the listing broker or agent. CIREBA’s Statistics - June 2017 The CIREBA Multiple Listing System as of June 2017 shows that there are 1624 properties listed. Out of the total active listings approx. 20% are single family homes, approx. 34% are condos, approx. 40% are land listings and the balance is comprised of other categories. The CIREBA MLS has an approx. total listing value of CI$1.42 billion. The number of listings is up by 26 properties when compared to the same time last year; and the value of listings has increased by CI$23 million. The volume of sales for the first half of 2017 shows 343 transactions with a value of CI$219 million; fewer transactions but a larger sales volume than 2016. Independent Property Searchers easyCayman Tel: (345) 749 2436 www.easycayman.com easyCayman is a one-stop shop for all your property

needs;

an

independent

online

portal for buyers, sellers, renters and real estate professionals. With comprehensive descriptions, map views and key information, you’ll find all you need to know about the Cayman property market in one location. easyCayman provides custom search options, mortgage calculators, comparative listings, as well as information on Cayman realtors and other useful tools. SEE AD PAGE 126

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. Title to land is recorded in a modern, reliable and centralised land registry, where every plot of land is mapped


9

FINDING A HOME

»

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

125


FINDING A HOME

911

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. 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

126

CAYMANRESIDENT 2018

»

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. Go 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. OVERVIEW OF RESIDENTIAL AREAS IN GRAND CAYMAN

Seven Mile Beach (SMB)

WEST BAY ROAD SEVEN MILE BEACH

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 SMB

most are rented out for short-term, 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 high of US$15,000+). 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 three-bedroom apartments in a few of them. Properties are usually well maintained and professionals tend to rent or buy them. These neighbourhoods around SMB 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. The commute to town in the mornings is pretty quick as you have the option of the Esterley Tibbetts Highway or West Bay Road. 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. This is a good option for professional couples and/or growing families. It’s worth noting that in 2016 Dart purchased and subsequently closed both the Britannia Golf Course and Grand Cayman Beach Suites, which residents of Britannia have enjoyed access to for over 30 years. In 2017 the beach facilities and restaurant reopened and is now open to the general public. 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


184809_PRINT4-RemaxBovell-ResidePage 1

1:12:50 PM

B u y . S el l . E x c el .

E X P E RI E N CE

I t’ s a tea m ’ s m o s t v a l u a b l e a s s et

You immediately sense the difference when you’re in the company of a brokerage team, led by James Bovell, with more than 35 years of professional practice with multiple lifetime achievement awards u n der thei r b el ts . You see it in their calm, pragmatic approach to solving problems. You see it in the measured handling of your counter-party and their offers. Above all, you see it in their ability to look far beyond the short-term when handling luxury properties for customers.

9

If you think about it, there’s a certain logic to how they’ve managed to gain all this experience - it’s by doing the right thing again and again.

FINDING A HOME

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, 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 townhomes 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.

8/29/17

T he B o v el l T ea m

P a r t o f the R E / M A X C i r c l e o f L eg en ds

Camana Bay

Bovell.ky | Call +1 345 945 4000 | +1 855 282 7785 toll-free USA Camana Bay and its Town Centre are situated

on 650-acres that stretch from the sea on Seven Mile Beach to the North Sound on the other side. The design of Camana Bay

Each office is independently owned and operated. Member of CIREBA and MLS

»

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

127


FINDING A HOME

911

is based on New Urbanism; a planning model that promotes “walkability” through 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 Realty has continued that theme, building a 4 lane vehicle underpass so pedestrians can safely travel from Seven Mile Beach over West Bay Road and over the by-pass to Camana Bay’s town centre and water front. Designed by a team of award winning 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 (Regal Cinemas), notable restaurants, supermarket (Foster’s Bay Market), a weekly Farmers & Artisans Market, bookstore, clothing stores, doctors’ offices, pharmacy, a 24-hour gym, two

schools, residential housing and prestigious 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 60 one and two-bedroom apartments (some of the two-beds have a den which could be used as a third bedroom) with over 20 different floor plans. 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. They are available for long-term rental and are located in the heart of Camana Bay’s Town Centre. Monthly rental prices start at approximately US$2,800 for a one-bedroom unit and the rental agreement comes with a host of value-added benefits. These benefits include access to Camana Bay’s private

beach park on Seven Mile Beach which has hammocks, beach chairs, kayaks, Yolo boards, fresh water showers and wonderful old seagrape trees for shade which children will love to climb. Each of the two Terraces towers has its own pool and leisure area with a lap pool, fresh water showers, bathrooms and seating areas which include a large dining table and an outside kitchen with a high-end gas barbeque. The area can be reserved for parties. Also included in the rental agreement is membership to Anytime Fitness, a fully equipped, state-of the-art 24-hour gym. The Terraces are equally popular with families and young professionals and pets are welcomed. Renting at 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 your doorstep, is incredibly appealing.

The life to live. • 24-hour security • Rooftop pool & BBQ • Beach access • Gym membership • Underground parking • Fully furnished • Pet-friendly

where life blossoms

128

CAYMANRESIDENT 2018

»

+1.345.640.4000

CAMANABAY.COM


There are plans to have courtyard homes, cottages and townhouses, canal front homes and condos for sale in the future which will suit a variety of different buyers and price points. For more information visit the Camana Bay Visitor Centre or contact Provenance Properties of Cayman: (345) 640 7000 or email: info@ provenanceproperties.com. South Sound

SOUTH SOUND

South Sound 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 also hosts the Cayman islands Rugby Club, Tennis Club and Squash Club, a public dock, beaches and is a great area for jogging. Recently completed offerings include: The Shore Club which is an 8-unit contemporary ocean fronting condo complex with seaside side pool; Vela, a 168-unit complex (when finished) which is now heading into its 3rd phase of construction and phase 1 and 2 are completely sold out. This contemporary condo complex is built around an Olympic size swimming pool - the first on the Island. Another development is The Tides, which is a multimillion dollar energyefficient project with 24 luxury oceanfront condos with options for 2, 3 and 4 bedroom residences. This stunning beach front complex is set for completion in late 2017. The Sanctuary, which is due to break ground in 2017, will be an exclusive private gated community comprised of 30 garden villas featuring 3 and 4 bedrooms each with an open-layout floor plan of approximately 3,000 to 3,500 sq ft of living space. Finally, there’s FIN, another luxury waterfront condo complex offering

9

FINDING A HOME

»

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

129


36 units with an average price of $1.7m. Several other residential projects are in the planning and development stages so watch this space. In addition, the first phase of Cayman Enterprise City was set to break ground on its main 850,000 sq ft campus late in 2016, but there has been no recent news on this development’s next steps. When built, this 70-acre site will form a mixed-use development around a 10-acre lake. One downside to this frenetic level of development is the volume of traffic. During rush hour, it can be bumper to bumper the entire length of South Sound Road. The National Road Authority has said it’s not too concerned with future traffic growth and is working with the Planning Department to review all development applications. In the meantime the widening of the Linford Pearson by-pass is ongoing. If you are looking for existing properties to buy, then there is plenty of choice with executive homes and two and three bedroom apartments. Two-bedroom apartments across the road from the sea can be rented for between CI$1,750-$3,200 per month. Apartments on the sea can be found for CI$2,700 and up to CI$6,000 (The Seaview). Apart from Seven Mile Beach, South Sound is one of the most convenient and, therefore, expensive areas in which to buy on the Island. You will find large family homes, most with pools, on Vienna Circle, Mary Read Crescent, The Avenue and Anne Bonny Crescent off South Sound Road. In the middle of South Sound is Caribbean Paradise, which has a pool, tennis court and a number of soughtafter properties on the beach. Another very popular apartment development in South Sound, particularly with young families, is the By The Sea apartment complex. At the far end of South Sound Road (away from George Town) is Old Crewe Road, where you will find Sunrise Apartments, Pine Crest Apartments and Elizabeth Villas. Rents in these complexes should be CI$1,600 and up per month for a two-bedroom apartment. There are also a few upscale developments like the San Sebastian town homes, The Boulevard and

Every home has a story.

THE RESIDENCES AT SEAFIRE US$3,500,000 3 Bed / 3.5 Bath | 2,948 SqFt Seven Mile Beach

911

612 RITZ-CARLTON US$13,500,000

FINDING A HOME

4 Bed | 4.5 Bath | 7,225 SqFt. Seven Mile Beach

CASA LUNA VILLA #1 US$1,775,000

3 Bed / 4 Bath | 4,731 SqFt South Sound

Which one is yours? Contact us to learn more about these listings and other luxury real estate on Grand Cayman. +1.345.640.7000 provenanceproperties.com

130

CAYMANRESIDENT 2018

»

The Lakes where you still buy land and the developer will build a house for you. Canal Front Living

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 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. Camana Bay will probably fall within levels 1 and 2 when they begin to sell


terraces and plunge pools. They are due to be completed in late 2018. The development is ideal for young families, with minimal traffic plus a playground, pool, gym, soft play area and private screening room. Prices start at US$1,950,000. 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. Land values range from US$500,000 – US$1,000,000. Level 3: Good services with upper-middle 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 maintenance, but could come back.

A new canal development in the area is Clipper Bay, which is located between Snug Harbour and Canal Point on Seven Mile Beach. This new neighbourhood has 25 canal fronting lots and they all sold in 2016, although resales in the neighbourhood been strong. A few new homes have begun to be built in the area and it will probably be very popular, especially with its proximity to Camana Bay. 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. Its commercial area has seen significant improvements in 2017 with the opening of Salty’s, a sports bar and restaurant, and the continued popularity of the well-run Skate Park which sees a healthy and active spot for 6-16 year olds, especially on weekend nights. Also near Grand Harbour is a new housing

»

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

131

9

FINDING A HOME

their canal homes but still no sign of that project on the horizon. Land value ranges: US$550,000 – US$3,000,000. Level 2: Excellent maintenance and services. Luxury homes with 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 sub-neighbourhood 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 Bacaro). 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 developped by the same people behind The WaterColours. There will be 44 luxury residences of 4,500ft each with


FINDING A HOME

911

development called Periwinkle which will have 3, 4, 5 and 6 bedroom homes for sale and is being built by the Arch and Godfrey team. The developers of Crystal Harbour have moved east with their newest effort – The Channels – which is being offered as secluded canal front home sites with strong and enforced covenants, underground utilities and gated entries at pricing well below the front runners in this canal front category. 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. Land value ranges: US$300,000 – US$600,000. 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. Land value ranges: US$160,000 – US$380,000. 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 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

A straight forward approach to

Real Estate

MEMBER of

hello@primelocationscayman.com 132

CAYMANRESIDENT 2018

»

+1 345-936-8888

are very nice, but there is too much debris around keeping prices down. Best value in lower-priced canal subdivisions. Land value ranges: US$125,000 – US$200,000. Canal subdivisions in this level: Red Bay, Prospect and North Sound Estates, all of which straddle level 4 and 5, often depending on which street you are looking at. Prospect & Red Bay

P ROSPECT & 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 Grand Harbour Shoppes which has various shops, a restaurant, a large supermarket (Hurley’s Marketplace), and the Caribbean’s largest skate park, The Mountain Dew Black Pearl. There is also a fun children’s play area with swings, a climbing frame and slides. There is a Royal Bank of Canada and a Scotiabank 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. 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. Rents for inland 2-bed properties range from CI$1,300 to CI$2,500 per month, with canal and oceanfront properties averaging CI$2,500 to $3,500 per month. There are a couple of 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-


UK

France

development will feature 85 homes including a mix of Cayman-style cottages, courtyard town homes and waterfront town homes. Construction began in mid-2017 and properties are selling for between $350,000 and $1 million. With increasing demand for new properties in the Prospect and Red Bay areas, developers have come to realise that the things that are paramount to buyers include a property that has been built with a good use of space, quality construction and finishings, great landscaping with many shade trees and is good value for money. West Bay

WEST BAY

This is a residential area at the top western end of the Island. It is less expensive

Cayman Islands

than George Town or Seven Mile Beach and there are some lovely homes and condominiums on or near the sea. There is a new gated development on Boggy Sand Road called Boggy Sands, which is in construction now and half have sold. The 20 luxury condos are all 3-bedrooms plus a den with private beach access, a volleyball court and two pools. It is an upscale, canal front residential area, The Shores command premium prices on rental 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, Cracked Conch, Macabuca, Ristorante Pappagallo and VIVO. Tourist attractions like the Cayman Turtle Centre and both dolphin parks are also in West Bay. Diving from the Cracked Conch restaurant and from Lighthouse Point nearby is also very

USA

China

YOUR LOCAL ACCESS TO GLOBAL REAL ESTATE www.irgcayman.com | +1 345 623 1111 | info@irg.ky

»

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

133

9

FINDING A HOME

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 fivebedroom 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, the Isles and the Estates, all have deep 1/3 acre plots and the area is about 1/2 developed. It is safe to say that this is a very active area in terms of new home construction. Two significant developments in the Red Bay area include the new SeaHaven development from Encompass which broke ground in mid-2016. The development will see thirteen contemporary waterfront villas constructed with private garages and boat dockage starting from CI$656,000. The second is Periwinkle, environmentallyfriendly housing development which is aiming to be the first residential community in Cayman to be LEED certified. The


popular. Divetech, the on-site dive shop at Lighthouse Point is very welcoming, and friendly staff will explain where nearby dive sites are and they can 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. George Town (GT) 911

FINDING A HOME

GEORGE TOWN

George Town is the capital of the Cayman Islands. It is located on the southwest corner of Grand Cayman and is 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 and also many residential properties. Smith Road, Shedden Road and Eastern Avenue cut 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 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 and 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 (or sale) off Walkers Road starting at CI$850 for a studio, CI$1,100- CI$2,100 for a one-bedroom apartment and CI$1,250CI$2,700 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 townhomes 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 about CI$1m upwards. Savannah, Lower Valley, Newlands & Pedro St. James

SAVANNAH, LOWER VALLEY, NEWLANDS & PEDRO

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. Both areas are very popular with young families as land is still affordable. The usual properties for rent and sale in this area are family homes on larger plots 134

CAYMANRESIDENT 2018

»


to exclusive. For the past two years there has been talk of a new mixed-use resort, St James Point, being built in this area. If it is ever built, it will comprise 200 rooms and 75 residential units set on 1,000 feet of beach and surrounded by tropical gardens. There is much consternation in the area from local residents though, who fear that the new road layout will affect their homes, and that access to the beach will be cut off.

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 faint-hearted away from Bodden Town, it takes just 20–25 minutes to reach George Town if you leave early or late enough and can miss the rush hour traffic. Frank Sound & Cottage

Bodden Town

FRANK SOUND & COT TAGE BODDEN TOWN

Those who venture out to Bodden Town love it. It is on the beach, away from the centre of it all 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

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. It is beautiful, especially after the rainy season. Another huge bonus of this area is the Queen Elizabeth

Beach Bay

BEACH BAY

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 get to Sea Spray Drive and along this coastal road are some fabulous houses and apartments. One end of the road has a very private, although a bit rocky beach, and the sunsets over the bluff at the other end of the coast road are amazing. The rents here range from high

»

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

135

9

FINDING A HOME

with good-sized gardens. Prices are usually in the mid-range. The commute times have improved since the East-West Arterial Road opened, but it still slows down significantly near Prospect and then crawls all the way to George Town and the schools during the morning rush hour. There are many mature trees and open areas in Savannah. 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 breathtaking. Also located in Savannah is Pedro St. James Castle, a national historical site and oldest existing structure in Cayman. It is known as the “Birthplace of Democracy in the Cayman Islands”. Today it is lovely to walk around the Great House’s grounds while slipping back in time to Cayman’s early days. Countryside Shopping Village, located at the roundabout where the road intersects between Savannah, Pedro and the entrance to Newlands, has improved shopping in the area significantly. This village of shops has a Foster’s Food Fair supermarket, CNB bank, large pharmacy, medical clinic, liquor store, hardware store, gym, veterinary clinic, dry cleaners, several resturants and a few other useful stores. This is great for residents in the area who no longer have to drive to Grand Harbour or to town for everyday essentials.


II Botanic Park and the Mastic Trail, both of which are wonderful to explore, and are located just off Frank Sound Road. It is also the location of the Clifton Hunter High School. In June 2016 planning approval was granted to build a 27-hole golf course on a 534-acre site, near the QEII Botanic Park. The company behind the development, Ironwood, ultimately hopes to build an extension of the highway from George Town to the golf course, as well as a hotel, retirement homes and a town centre in the area. North Side & East End

FINDING A HOME

911

NORTH SIDE & EAST END

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 Pedro, 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 coast is dotted with sandy beaches littered with bleached coral and dried turtle grass washed ashore by previous storms. After a strong nor’wester it is enjoyable to walk along the beach to see what treasures have been washed ashore. 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. Catch of the day is always good, as is their shrimp cooked in a Chablis sauce. Their wine list is very limited, so it is worthwhile taking your own wine for a CI$13 corkage charge. Other restaurants include Kurt’s Korner which offers grilled fish, stew beef and oxtail. There is also an Italian restaurant located by Foster’s supermarket in East End

Kass Coleman

Over 24 years experience with RE/MAX

949-2396

kass.coleman@remax.ky

www.beachcastles.ky

7 Mile Shops | West Bay Road | Each office is independently owned 136

CAYMANRESIDENT 2018

»

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), beach combing deserted beaches, kiteboarding, sailing or having a ride on White Sand Sports’ exhilarating Jetovator - twenty minutes of flying time costs US$99 and you can find them at The Wyndham Reef Resort. 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 also a pain 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 that the night sky provides brilliant star viewing due to the lack of ambient light. Living in North Side mainly feels like being perpetually on vacation. Almost every house, drive or walk involves a sea view and holiday atmosphere. This feeling is accentuated due to the fact that many houses are owned by long-term visitors, who have been visiting Cayman on vacation regularly for twenty or thirty years. Others are shortterm vacationers staying at The Retreat, Island Houses or Kaibo Yacht Club Villas. Residents of other districts, particularly boat owners, often go for staycations in Rum Point/Kaibo houses, especially over


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 competing for the loudest music system! The Rum Point Restaurant is open for dinner from Tuesday to Saturday and it is possible to catch Red Sail Sports’ 65ft catamaran to dinner. Other 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 Watersports offers a daily sunrise trip to Stingray City Sandbar. The boat leaves from the dock at Kaibo at 7am. It spends an hour at the Sandbar (the total time a commercial boat can anchor at the Sandbar) and you will be welcomed to a deserted Sandbar, save for a fever of hungry stingrays! Make sure to book well in advance, as it is incredibly popular. You can also fly fish the mini sandbar on the Eastern side of the lagoon entrance and take a 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 Food Fair 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.

Rum Point

Cayman Kai

RUM POINT

CAYMAN KAI

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

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 about CI$2,000

Rum Point

9

FINDING A HOME

long weekends. Many full-time residents are also retired, so very few North-siders actually commute into town to work. The journey takes about 50 minutes, but obviously depends on rush hour traffic. Other residents work locally, primarily in the tourist/hospitality industry. All those snowbirds need somebody to manage their rentals and look after their cars and boats while they are off-Island. Being relatively far from town means that some forward planning is needed for routine activities. Without a list, one is doomed 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 your banking, shopping and other business done on one day. There is a wide cross-section of society living in the district of North Side. With relatively few bars to frequent, the rich (if not famous) rub shoulders with the rest of the world. Nobody cares who you are, only if you have something interesting to say! A great advantage of living in a small community like North Side is the atmosphere; go to any bar or restaurant in the neighbourhood and you will know the staff, they will know you and you will also know many of the other clientele. The other side of village life is that your business is public property and virtually nothing that happens is a secret! If you don’t mind a cameo appearance in a slow moving “soap opera” you will love it!

Cayman Kai

»

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

137


per month. 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 smarter Upstairs Restaurant which has a superb rum collection and a tasting menu with wine pairing. Kaibo also sells ice, some basic groceries and fuel for cars and boats. The commute into George Town at rush hour will take over an hour.

FINDING A HOME

911

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. Stake Bay

OVERVIEW OF RESIDENTIAL AREAS IN CAYMAN BRAC

STAKE BAY (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 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.

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 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. It also constitutes the official town.

West End

WEST END (Cayman Brac)

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, 138

CAYMANRESIDENT 2018

»

The Bluff

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 re-enactments 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. OVERVIEW OF RESIDENTIAL AREAS IN 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 the radar, the Island is a formidable destination for diving and offers some relaxing pursuits such as beach-combing, 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

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

EAST POINT (Little Cayman)

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. 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 right of ownership. 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,

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 building a house, provided that stamp duty is paid before construction begins, duty is payable only on the land value and not on the building after it has been built. There are building permit fees which are charged according to the square footage of the property being built. > When purchasing with bank financing,

9

FINDING A HOME

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, 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!

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.

»

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

139


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.

FINDING A HOME

911

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.

Furnishings Exempt from Stamp Duty Stamp duty is not charged on the furnishings or chattels of a house. Some confusion has surrounded what is and what is not included. If you are not entirely sure how to calculate 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.

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.

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. 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

Bodden & Bodden Attorneys-at-Law Tel: (345) 943 0303 Email: info@boddenandbodden.com Campbells Tel: (345) 949 2648 Email: awalters@campbellslegal.com Dinner Martin Attorneys Tel: (345) 745 5000 Email: info@dinnermartin.com Forbes Hare Tel: (345) 943 7700

Get HOME insurance from the leader in AUTO insurance.

Let us save you time and money. Get a hassle-free quote in minutes. In person. Over the phone. Or online. Saxon HOME Insurance. It’s the SMART thing to do. Flexible policies | Competitive pricing | Personal service Visit saxon.ky or call (345) 94SAXON

140

CAYMANRESIDENT 2018

»


Email: cayman@forbeshare.com HSM Chambers Attorneys-at-Law Tel: (345) 949 4766 Email: property@hsmoffice.com Maples and Calder Tel: (345) 949 8066 Email: info@maplesandcalder.com Ritch & Conolly Tel: (345) 949 7366 Email: info@rc.com.ky McGrath Tonner Tel: (345) 949 2740 Email: info@mcgrathtonner.com Solomon Harris Tel: (345) 949 0488 Email: ljamieson@solomonharris.com Symons & Symons Attorneys at Law Tel: (345) 745 7529

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. Property insurance is critical to protect your home and its contents from damage caused by events such as hurricanes, floods, earthquakes, fire or burst water pipes. Whilst many banks are affiliated with individual insurance companies, or may even act as a broker/agent for them, it is always worthwhile shopping around as

rates, coverage, and service levels can vary dramatically. With life insurance, as with any product of this nature, it is definitely worth your while to check various quotes and coverage terms, as well as the reputation and customer service strengths of several providers. There are numerous providers who offer life insurance in the Cayman Islands, but an independent broker will do the shopping around for you. Two respected independent brokers are Karim Awe who can be contacted on (345) 814 7247 or email: karim.awe@cic.com.ky and the second is Michael E. Webster who can be contacted on (345) 924 5433 or email: lifewithmike345@ gmail.com. 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

Peta.Symons@SymonsandSymons.com

Mortgages & Borrowing 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. Unlike the UK, long term interest-only mortgages do not exist in Cayman. Mortgage amortisation terms are normally offered from 15-30 years, but typically not exceeding retirement age and can be taken out in CI or US dollars. 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

www.caymannational.com

Invest in your future today

Ensure that your future is bright with a Cayman National Mortgage or Land Loan. For more information, contact one of our knowledgeable team of specialists at 345 949 4655 or visit our website at www.caymannational.com. *Some conditions apply.

PERSONAL & BUSINESS BANKING | ONLINE BANKING LENDING SERVICES | CARD & MERCHANT SERVICES

»

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

141

9

FINDING A HOME

Stephen.Symons@SymonsandSymons.com or

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. It is recommended that you 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.


is less familiar to many people, but very common in Cayman. The following is an explanation of how it works:

along Seven Mile Beach, you could easily

If you buy a property which is part of a

sewage charge). Your realtor will be able to

strata plan, you will have the freehold title

find the exact strata fees for you.

>

background checks on the recent property sales in the area. It should also make particular reference to any encumbrances or leasehold interests on the property and should set out the valuation methodology used by the valuer. In addition to providing the bank with the information that the lender requires for financing purposes, a professionally prepared valuation report should also provide the purchaser with the reassurance that they are paying fair market value for the property.

pay between CI$800–CI$1,200 (CI$400 maintenance, CI$336 insurance and CI$64

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 shareholders, 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.

911

Examples of monthly strata fees you might expect to pay are: CI$500 for an inland two bedroom townhouse; CI$650 per month for a three-bedroom inland apartment;

FINDING A HOME

and for properties on the water, especially

Chartered Surveyors Resort, Commercial & Residential Valuation / Appraisal Services

Trusted by clients in the Caribbean since 1969, we are positioned to provide robust reporting due to our extensive database of comparable transactions, coupled with our experienced and professionally qualified team.

Email us on Info@bcl.ky Call us on +1 345 946 6063

w w w.bcl.ky Regulated by RICS

142

CAYMANRESIDENT 2018

»

Property Valuations & Appraisals When applying for a mortgage, the current bank policy is to request that a property valuation be undertaken by a chartered valuation surveyor, or RICS registered valuer. It is usually the purchaser, not the seller, who has to undertake this step. A property valuation acceptable to local banks should be prepared to the internationally recognised standards of the Royal Institution of Chartered Surveyors (RICS Valuation Standards). The valuation report will give a general description of the property, describe any improvements to the house or the garden, pool, fencing, etc. (and work out their value to the property). It will take into account the location, give formal title details, include maps 184073_HR-Ad-Resident-third-pg-FPage and photographs and provide invaluable

BCQS International - Property & Development Consultants 2nd Fl, Whitehall House, 238 North Church St, Tel: (345) 949 8644 Email: info@bcqs.com www.bcqs.com BCQS is a firm regulated by RICS. They offer a comprehensive range of services, including project

management,

cost

management,

quantity surveying, construction management, claims consulting, valuations and appraisals, 1

8/2/17 12:45:22 PM project monitoring and feasibility studies.


Blue Point Consultants

feasibility studies, construction cost estimates,

Tel: (345) 525 0706

residual valuations, investment valuations,

However, there are other pitfalls which are less well-known but equally easy to avoid:

Email: info@bluepointproperty.com

reinstatement cost valuations for insurance

>

www.bluepointproperty.com

purposes, assessment and negotiation of

the property has been paid by the previous

RICS registered valuer offering property

compensation for compulsory purchase and

owner. Water companies are under no

valuations, development appraisals, feasibility

valuation of leaseholds. SEE AD THIS PAGE & 169

obligation to reconnect water supply to

Water Bills: Make sure the final water bill on

accounts that have been disconnected due

studies, acquisitions and disposals, consulting on landlord and tenant issues, property

Quayside Surveyors Ltd.

to non-payment and still have unpaid, past-

searches, reinstatement cost for insurance

Unit 2, Bldg B, Cayman Center, Dorcy Drive

due charges. Renters are also encouraged

purposes and loss adjusting. Specialising in

Tel: (345) 946 0662

to ensure previous water bills have been

hotels and resorts. SEE AD THIS PAGE

Email: alex@quaysidesurveyors.ky

paid for by the landlord or previous tenant

www.quaysidesurveyors.ky

prior to moving in.

Bould Consulting

Chartered Surveyors - RICS Registered

Tel: (345) 946 6063

Valuers.

and

worth checking, is whether the property

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

leasehold valuations, reinstatement valuations

owner has been regularly servicing the

With over 40 years working in the Caribbean,

for

development

a/c units. A lack of regular maintenance

Bould Consulting Limited is part of the

appraisals, residual valuations and landlord and

will greatly reduce the life expectancy

global practice of Rider Levett Bucknall, with

tenant.

of air conditioning condensers and new

Services

insurance

include: purposes,

Freehold

>

over 2,000 professionals across 80 offices worldwide. in

Bould

property

Consulting

valuations,

specialises

insurance

and

construction valuation services. SEE AD OPPOSITE PAGE

systems can cost thousands of dollars. As

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 JEC_New Resident 2013.pdf 1 6/7/13 a conveyancing lawyer during title checks.

a condition of the sale, request that the seller have the property’s units serviced and provide a report on their condition. Pest Control: It is worth checking if the previous owners have had the property 3:55 PM

sprayed regularly for ants, roaches and

Unit 24, The Strand, West Bay Road Tel: (345) 623 2772 Email: info@charterland.ky www.charterland.ky

C

Services include: Valuations and appraisals, M

Y feasibility studies, quantity surveying and cost CM management, plus commercial, residential and

strata property management.

MY

CY

DDL Studio Ltd. 2nd Fl, Buckingham Square, West Bay Road

CMY

K

Tel: (345) 943 3622 Email: info@ddlstudio.com www.ddlstudio.com DDL Studio Ltd. is a well-established multidisciplinary construction consultancy providing valuation and appraisal, quantity surveying, architectural, project management, interior design and property management services. JEC Property Consultants Ltd. 96 Mary Street, George Town Tel: (345) 945 5930 Email: contact@jec.ky or www.jec.ky Services include: Property valuations, home buyers reports, development appraisals and

Âť

9

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

143

FINDING A HOME

Charterland

Air Conditioner Servicing: Another thing


>

other pests. If you do not have your house

sale. Significant problems can reduce the

request a report from the strata’s property

sprayed regularly, you will quickly find

value of the property. If you are purchasing

management

you have an ant or even worse, roach

raw land, then a Conditions Site Survey is

whether any special assessments are

infestation problem. If you are buying a

recommended by a qualified engineer who

planned on the apartment complex. Special

wooden house, get the house checked for

will assess, among other things, whether

assessments may involve considerable

termites before you buy the property.

your new house will need to be built with

costs and you might well be able to get the

MEP Report, Home Inspections and Site

pilings, thus hugely increasing the cost of

existing owner to pay for them (or have

Surveys: As a condition of purchase

building. More information on what the

them deduct it from the sale price).

it is very important that you get a

technician does, and why it is important, is

Home Inspection and/or a MEP report

listed in the next section.

a breakdown of the monthly costs of

Planned Special Assessments: If you

running the property in the summer and

are buying a condo, a good realtor will

in the winter months. It is not uncommon

(Mechanical, Electrical, Plumbing) done on the property before you finalise the

>

>

company

that

confirms

Hidden Costs: Ask your realtor to request

for a four-bedroom house on a 1/3 acre (particularly in a windy position) to have an average water bill of CI$650 per month and an average monthly electricity bill in the region of CI$1000-CI$1500+ 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

911

foam insulation in the attic, it will not only

FINDING A HOME

significantly reduce your electricity bills PO BOX 309 KY1-1602 • GRAND CAYMAN TEL: 345 947 9330 • CELL: 345 525 0209 FAX: 345 947 7385 E: SELSAM@CANDW.KY

but help hold your roof together in the event of a major hurricane).

Centre Island Properties Leasing • Apartments • Commercial Centre Island Properties is your 1-stop shop for long-term residential and commercial leasing complete with a professional property management team on Grand Cayman

Long Term Leasing: • Residential (apartments and condos) on 7 Mile Beach, George Town, West Bay, Snug Harbour and Palm Heights Drive. • The Residences at the Falls 48 luxurious condos in Seven Mile Beach across from the Westin Hotel. Available for long term leasing. • Commercial (office, retail and large commercial warehouse spaces) on 7 Mile Beach and George Town

www.centreislandproperties.com

Tel: (345) 326-4790 144

CAYMANRESIDENT 2018

• »

Email: rge@bcqs.com

Home Inspections & Site Surveys If you were to buy property in England, you would have a Chartered Building Survey completed. On the other hand, if you lived in the United States you would 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. This section will provide information about these two distinct services. 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


including full examinations of homes, which include structural integrity, exterior and site, all interior components, appliances and Mechanical, Electrical and Plumbing systems.

LICENSED, PROFESSIONAL

The company also offers full construction

HOME INSPECTORS

services from remodelling projects to building multi-million dollar homes. SEE AD ON THIS PAGE

Property Management Services For the extensive number of property owners who live overseas and only visit the Cayman Islands on a periodic basis, property management is an invaluable service. A good property management company will advertise and 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 who specialise in rentals also offer property management services.

Comprehensive Home Inspections Include: Property Grounds | Structural & Roofing Interior & Exterior | Electrical and Plumbing Air Conditioning Systems Insulation & Ventilation | Appliances Water Control, Drainage and Waste Disposal

Why Inspect? Exclusive Advocate for Buyers Objective Facts About the Home Know the ‘True Condition’ of the Home Before You Buy Professionally Licensed in the U.S. & Grand Cayman

9

(345) 936-2454

A&J Property Management Services

info@westpoint-inspections.com

Tel: (345) 947 9173 or (345) 936 7555 info@ajpropertymanagementservices.com www.ajpropertymanagementservices.com A&J Property Management is focused on maintaining property for vacation rentals, short

Property and Asset Management by Property Professionals

and long term rentals, and owner occupied SEL Consulting

homes. With over 20 years of experience in

702 George Town Villas, Snooze Lane, SMB

property management, they are dedicated and

Tel: (345) 947 9330

ready to cater to all your needs. Working in all

Email: selconsulting@candw.ky

facets of your home maintenance and to help

www.selconsulting.net

achieve your goals. SEE AD PAGE 150

Avata’s Directors and Senior Surveyors are all members of either the Royal Institution of Chartered Surveyors or the Chartered Institute of Building, the world’s leading professional organizations for property professionals.

SEL Consulting are consulting engineers that

Specializing in residential home management, strata management & commercial property asset management Avata guarantees that all of our managed properties are handled personally by a highly qualified and experienced Chartered Surveyor.

are members of Cayman’s equivalent to the

Avata Property Services Ltd.

Institution of Civil Engineers called CASE

Tel: (345) 925 5123

(Cayman Architects, Surveyors and Engineers)

Email: tim@avatapsl.com

and they provide Building Condition Surveys/

www.avatapsl.com

Home Inspections and Site Investigations, as

With

well as structural design services.

throughout the Caribbean, headed by Tim

SEE AD OPPOSITE PAGE & 170

Naylor, Avata’s team of property professionals

decades

of

experience

working

Contact Tim Naylor

tim@avatapsl.com

Cell 925 5123

in the Cayman Islands use their combination of WestPoint Inspections

talents to provide their clients with a complete,

Tel: (345) 936 2454

one-stop service. They manage stratas, office

Email: info@westpoint-inspections.com

and retail developments, residential homes and

www.westpoint-inspections.com

vacation rental properties. SEE AD THIS PAGE

Michael Treacy

michael@avatapsl.com

Cell 929 0435

A team of professional general contractors and home inspectors licensed and qualified

BCQS Property Management

to operate in the US and the Cayman Islands.

Whitehall House, 238 North Church Street, GT

They lead comprehensive home inspections,

Tel: (345) 949 9300

»

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

145

FINDING A HOME

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 remediation. A similar approach should be taken when seeking to purchase a plot of land; while it may look like the lot is filled properly, it may 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 of land especially canal front property in Grand Cayman.


Email: tnh@bcqs.com

www.thpm.ky

www.bcqspropertymanagement.com

Services include: Tenant placement, 24/7

BCQS specialises in the proactive management

emergency call service, property advertising

of commercial and residential properties

and showing, tenant screening, property

including stratas. They also have an extensive

inspections and maintenance, lease agreements

range of residential rental properties available.

and inventory preparation, rent collections and

Professional services are tailored to meet

bill payments, accounting and book keeping

a client’s specific property management

services. SE E AD PAG E 149

requirements. SE E AD T H I S PAG E Charterland Unit 24, The Strand, West Bay Road Tel: (345) 623 2772 Email: info@charterland.ky www.charterland.ky Services include: Commercial, residential and strata

property

management,

valuations

and appraisals, feasibility studies, quantity surveying and cost management and insurance loss adjusting.

911 JEC Property Consultants Ltd. 96 Mary Street, George Town Tel: (345) 945 5930 FINDING A HOME

Email: contact@jec.ky or www.jec.ky JEC

Property

Consultants

Ltd.

provides

property management for both residential and commercial properties. Services include: regular reporting, strata financial management, monthly balance sheets, income and expenditure statements and comprehensive analysis. SE E AD PAG E S 143 & 169

REM Services 7 Mile Shops, 215A West Bay Road, SMB Tel: (345) 946 8664 Email: rent@remservices.ky www.remservices.ky Residential and commercial rental valuations and leasing, vacation rentals, long term rentals, property advertising and viewings, tenant vetting and placement, lease and inventory preparations,

management

and repairs, strata management, accounting and

Amber Yates - Century 21

financial services. SE E AD OP P OSI T E PAG E

Cell: (345) 926 0396 or Office: (345) 949 2100 Email: ayates@century21cayman.com

+1 345 949 9300 rentals@bcqs.com CAYMANRESIDENT 2018

property

services including rent collections, inspections

bcqsrentals.com

146

full

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 (Cayman Islands Real Estate Brokers Association) and it ensures the best market coverage to view each and 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 (Multiple Listing System) 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.

»

Tessa Hydes Property Management

www.century21cayman.com

203 Regency Court, West Bay Road

Constantly an award-winning Top Performer

Tel: (345) 949 5134

for Century 21, Amber Yates has been a CIREBA

Email: thpm@candw.ky

Real Estate professional in Cayman for over 16


years, specialising in Relocation, Investment

properties in the Cayman Islands. Engel &

Properties, SMB Real Estate and Property

Völkers’ success is based on its customer-

Management.

oriented

Amber

has

an

impressive

service.

Discretion,

as

well

as

portfolio of repeat clientele. For an informed

protecting customer interests, is a point of

choice, contact her today. SEE AD PAGE 135

honour for them. Engel & Völkers Cayman is a proud member of CIREBA along with the MLS.

Antony McMain – Coldwell Banker Tel: (345) 926 0001 or (345) 945 4411

Cayman Islands Sotheby’s International Realty

Email: antony@cirealty.ky

Sheena Conolly – Broker/Owner

www.coldwellbanker.com

Real Estate Gallery, Governors Square, SMB

Having lived in Cayman for over 20 years,

Tel: (345) 623 1234

Antony both understands and is passionate

Email: info.cayman@sothebysrealty.com

about the property market. At Coldwell Banker

www.sircaymanislands.com

he has all the resources to find your perfect

A unique concierge team offering a boutique

property whether you’re buying or renting a

‘real estate finder’ service of all styles and price

house or condo. Whatever your budget, you will

points. Specialising in marketing and sales of

have a talented agent on your side. SEE AD PAGE 125

Island-wide luxury homes, Seven Mile Beach Condos, Oceanfront residences, Cayman Kai

Azure Realty Limited

properties, land and development sites in Grand

Tel: (345) 946 2987

Cayman, Little Cayman and Cayman Brac.

Email: info@AzureRealtyCayman. com

SEE AD PAGE 123

9

www.AzureRealtyCayman.com Cayman Luxury Property Group

well-known boutique real estate agency that

Tel: (345) 945 6000

strives to provide outstanding customer service

Email: info@caymanluxuryproperty.com

to all their clients. They provide distinctive

www.caymanluxuryproperty.com

properties for their discerning clientele and can

A Caymanian-owned boutique real estate

help with an array of real estate needs.

company with 30 years experience in the

SEE AD PAGE 139

property

market,

personalised

offering

“Luxury

Service”

one-on-one to

every

Bovell at RE/MAX Cayman Islands

customer. Cayman Luxury provides in-depth

Tel: (345) 945 4000 or Cell: (345) 916 1215

market analysis to buyers and sellers. Their

Email: james.bovell@bovell.ky

professionals

www.bovell.ky

transaction throughout the real estate process.

With more than 25 years market experience,

SEE AD PAGE 131

will

ensure

a

FINDING A HOME

Established in 2008, Azure Realty Limited is a

trouble-free

James Bovell is a consistent top 10 producer in the RE/MAX International family. As co-owner

Coldwell Banker/Cayman Islands Realty

of RE/MAX Cayman Islands, James, along with

J.C. Calhoun - Broker/Owner

his team at Bovell, offers a wide portfolio of

Tel: (345) 945 4411

properties in the Cayman Islands. James also

Email: info@cirealty.ky

writes for many well-known publications about

www.coldwellbankercayman.com

the latest real estate trends in the Cayman

Coldwell Banker is one of the largest real estate

Islands. SEE AD PAGE 127

brokerages in the world, established in 43 countries and territories. Operating in Cayman

Engel & Völkers - Heidi Kiss

since the ‘80s, Coldwell has offices on all three

Tel: (345) 623 1400 or Cell: (345) 525 1126

Cayman Islands, with knowledgeable agents

Email: heidi.kiss@engelvoelkers.com

available and eager to serve their clients.

www.cayman.evfinehomes.com

SEE AD PAGE 121

Engel & Völkers is a leading international real estate company which has joined the other

Crighton Properties

9,000

Tel: (345) 949 5250 or (345) 945 1313

advisors

worldwide

to

showcase

PO BOX 30758 KY1-1204, GRAND CAYMAN

»

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

147


Email: info@crightonproperties.com

IRG - International Realty Group

singular access to a large and growing portfolio

www.crightonproperties.com

Jeremy Hurst – Owner/Broker

of private residences, condominiums, hotel

Since the early ‘70s, Crighton Properties has

Tel: (345) 623 1111

residences and land in the Cayman Islands.

provided their clients with expert advice about

Email: info@irg.ky

SEE AD PAGE 130

the local real estate market. They offer an

www.irgcayman.com

extensive range of real estate options, whether

IRG is a leading integrated real estate service

Tessa Hydes Property Management

you are looking to invest in a beach front home,

provider, offering clients a comprehensive

203 Regency Court, West Bay Road

canal front lot or investment property.

range of high-quality sales, leasing and

Tel: (345) 949 5134

SEE AD PAGE 129

consultancy services in the single family

Email: thpm@candw.ky or www.thpm.ky

home, condominium and commercial markets.

A leading real estate agency offering a bespoke

Diamond Properties

IRG has global affiliations with Leading Real

sales service, providing excellent attention

Cell: (345) 516 3521

Estate Companies of The World, NAI Global and

to detail and top customer service. THPM has

The Cayman Falls, 1114 West Bay Road

Luxury Portfolio. SEE AD PAGE 133

a wide selection of properties for sale and

Email: paula@diamondproperties.ky www.diamondproperties.ky

Kass Coleman – RE/MAX agent

their dream home, and helping vendors get the

Diamond Properties is a trusted leader in

Tel: (345) 949 2396 or Cell: (345) 916 0378

best value from their property.

Cayman’s real estate. Committed to excellence,

Email: kass.coleman@remax.ky

SEE AD OPPOSITE PAGE

they understand the local market, will listen to

www.beachcastles.ky

your needs and guide you in making the best

Facebook: Kass at RE/MAX Cayman Islands

West Indies Brokers

investment. As a member of CIREBA, they have

Real Estate

Tel: (345) 943 9400 or Cell: (345) 916 7289

access to all properties via the MLS and are

Kass Coleman has excelled in Cayman real

Email: info@westindiesbrokers.com

ready to assist with all your real estate needs.

estate with RE/MAX for over 24 years in

www.westindiesbrokers.com

SEE AD PAGE 137

all areas of sales and marketing. Kass is a

West

“Lifestyle Specialist” and will help you every

upholding their reputation to achieving the

step of the way when buying or selling your

finest investment for their valued customers

property. Let experience and a proven track

worldwide. They specialise in Seven Mile

record work for you. SEE AD PAGE 136

Beach condos, developer properties, income

FINDING A HOME

911

specialises in matching the perfect people to

Indies

Brokers

is

committed

to

producing properties and estates, as well as Prime Locations Cayman

premier beach and canal front residences.

Tel: (345) 936 8888

SEE AD PAGE 134

Email: paul@primelocationscayman.com www.primelocationscayman.com Prime Locations Cayman can help you find the perfect home. They combine local knowledge, expertise and excellent service to provide a great customer experience. Whether you’re looking for your first home, an investment property or simply trying to determine whether Cayman is right for you, Prime Locations Cayman can provide sound guidance. SEE AD PAGE 132 Provenance Properties of Cayman Tel: (345) 640 7000 Email: info@provenanceproperties.com www.provenanceproperties.com Provenance Properties is the sole real estate brokerage for Dart Real Estate and the

Tropic Centre II Building, Off West Bay Road, Suite #9

exclusive Cayman Islands affiliate of Christie’s

Visit our Website

International Real Estate, a global leader

www.ritchrealty.ky 148

CAYMANRESIDENT 2018

in luxury real estate. Provenance provides

»

RENTING A PROPERTY

Starting Your Search Cayman has a wide array of properties available to rent that can cater to your specific requirements and budget. Unfortunately, there is no central portal to view these, therefore it is recommended to use a real estate agent that specialises in rentals when trying to find rental accommodation. There is absolutely no charge to you as a tenant, as any compensation is paid to the agent by the property owner. Of course you can look through the 1,600+ rentals listed on www.ecaytrade.com, however a real estate agent will do all the leg-work for you in advance of your arrival, will drive you around to exhaust your options and will give you great tips on each area and for living in Cayman in general. To manage


your expectations, it is important that you communicate your wish list prior to your arrival. This will help give yourself a head start as the rental market can move extremely quickly. Have the following in mind when you contact an agent:

>

if you ask and put a security deposit down

Related Costs When you find the place that is right for you, you will be required to sign a lease agreement and pay the first month’s rent plus the deposit, on or before the start date on your lease. In addition to the rent and deposit, you will have start-up costs related to your new accommodation:

(typically one months’ rent). Most rentals

Utilities Deposit: Estimate approximately

Time-frame: The majority of tenancies commence on the first of the month. Having said this, landlords can be flexible

CI$100 for water, CI$200-CI$500 for

weeks prior to the start of the lease and

electricity (depending on the size of the

the rates will fluctuate throughout the

property) and an estimated CI$150 for a

year so wait until your permit has been

landline, cable and/or internet package if

vain. The current rental market is moving not be available tomorrow. Most realtors

with garden and pool care, garbage

will give you a tour by Facetime or send

collection, pest control and servicing of

additional photos to allow you to decide

general systems such as A/C. If this is not

before you arrive if you’re worried it will be

specified within the lease agreement, be

snatched up before you arrive.

sure to enquire prior to signing.

>

>

is the responsibility of the tenant. The

and you may have to forgo that beachfront

property owner will be responsible for any

condo or extra bedroom to stay within

issues that are not the fault of the tenant

budget.

i.e. inclement weather, a burst pipe or the

Deposit: The industry standard for a rental

A/C system failing.

>

Real Estate Sales

Furnishings: Most units come furnished.

month’s rent. E.g. if you lease a property

Some may be “fully-furnished” (linens,

for CI$1,500/month, your deposit will

kitchenware and all appliances are supplied,

be CI$1,500. In addition to this, the first

as well as furniture). Prior to signing your

month’s rent will be required to be paid in

lease, ask for an inventory list showing

full on or before you take occupancy.

everything that comes with the unit. You

Location: Again, be realistic, not everyone

will have to be prepared to supplement

lives within walking distance to the beach

anything missing.

>

9

Insurance: Insuring personal belongings

is not as affordable as you may be used to

or a shopping centre. A reduction in the

>

Maintenance Costs: Most landlords will take care of maintenance costs associated

security deposit is equivalent to a full

>

you require.

>

very quickly; your options today may

Price range: Be realistic. Rent in Cayman

Cayman’s Accommodation Locator of Choice!

FINDING A HOME

>

>

will not begin to be advertised until 4 - 6

approved before you start your search in

>

your list prior to the move.

Rentals Property Management Relocation Assistance

Pets: A number of complexes or owners do

commuting time is often one of the top

NOT accept pets. Most which allow for pets

priorities for people moving to the Cayman

will require an additional non-refundable

Islands, so you may want to make sure you

security deposit, which can be as much as

choose a property which factors in journey

CI$600 per pet. These funds will be used

times to the office, schools, supermarkets

to have additional, specialised cleaning

and activities. Having said that, it’s all

of the unit done once the tenant has left

relative, nothing is really too far away at all.

and before the new tenant takes over the

Size: How many bedrooms do you need or

lease. Carpets, sofas and curtains will all be

want? Many people like to have an extra

professionally cleaned to make sure that

bedroom for visitors, or even a home office.

no animal hair remains. If you do not have

Lifestyle: You will likely have to compromise

a pet prior to entering an agreement, but

on either your location, the size, or your

wish to, you must notify your landlord as a

budget. It is recommended to prioritise

common courtesy as this could jeopardise

T: (345) 949 5134 E:THPM@CANDW.KY

WWW.THPM.KY »

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

149


your lease agreement.

>

Monthly Costs: You will be expected to pay water and electricity which will be based on consumption, the size of the unit and the age of the build. Your realtor will be able to give you an estimate on the unit prior to signing an agreement. Cable and internet may or may not be included in the rental rate. If it is included, it is usually a basic package and you can pay to upgrade with additional channels and/or greater speeds.

FINDING A HOME

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 911 for long-term tenants (1-year leases). The majority of residential developments will have a mixture of resident owners and long and short-term renters; expats and locals alike.

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 Ecay or published in the Cayman Compass. It is recommended that you use one agent in your search for a rental, to ensure there are no cross-bookings or miscommunications; realtors work with each other daily to find each other the best match for tenants and owners. Of course, if you are not satisfied with their service then you should move on to another.

the friendly professionals at BCQS Rentals. With full relocation, check-in and check-out services, BCQS can help you every step of the way - whether you’re new to Cayman or an old hand. BCQS Rentals brings quality tenants and landlords together. Review their website today to see the latest rental listings. SE E AD PAG E 146 Cayman Islands Sotheby’s International Realty - Karina McDermot Tel: (345) 925 3800 Email: karina.mcdermot@sothebysrealty.ky www.sircaymanislands.com/property/rentals Karina McDermot is an experienced rental real estate professional with Cayman Islands Sotheby’s International Realty, who is fluent in both English and Spanish. With a large client base, Karina has in-depth industry knowledge to assist you with all your rental enquires.

BCQS Rentals 2nd Fl, Whitehall House, 238 North Church St. Tel: (345) 949 9300

Centre Island Properties

Email: rge@bcqs.com or cbm@bcqs.com

Tel: (345) 326 4790

www.bcqsrentals.com

Email: rge@bcqs.com

If you’re looking for the ideal apartment or

www.centreislandproperties.com

home to rent over the long-term, talk to

Centre Island Properties is a premier real estate company having residential and commercial

A & J Property Management Services Phone: (345) 947-9173 Property Management Rental Homes, Owner Occupied Homes Vacation Rentals, Project Manager Visit our website for details

www.ajpropertymanagementservices.com Email: info@ajpropertymanagementservices.com

properties available for rent in Grand Cayman. SEE AD PAGE 144

REM Services Ltd. Suite 3, 38 West Bay Road, SMB Tel: (345) 946 8664 Email: rent@remservices.ky www.remservices.ky REM Services Ltd. is a professional property management company in the Cayman Islands with over 35 years’ experience. Providing services to clients on Island and overseas,

Typical Rents per Month by District with Commute Times to central GT (mid-range CI$) Location

1 Bedroom

2 Bedroom

3 Bedroom (Apt/House)

Commute (Minutes)

West Bay

$900-$1500

$1700-$2500

$1700-$3200

25-35

SMB

$1900-$2500

$2700-$15000

$3800+

10-20

Governor’s or Snug Harbour

$1250-$2500

$2100-$3000

$3200+

20-25

George Town

$1100-$2100

$1250-$2700

$1900-$3000

0

South Sound

$1700-$2500

$1750-$3200

$3200+

10-20

Prospect/Savannah

$1200-$1400

$1300-$2500

$2000+

25-40

Bodden Town

$1000-$1350

$1250-$1800

$1750+

40-60

Commute times based on the typical drive time to George Town during peak rush hours. 150

CAYMANRESIDENT 2018

»


REM specialises in residential and commercial

portfolios in the Cayman Islands. Catering to

Known for its British Colonial Architecture, this

properties and beachside condos. Both short-

global clients, they have an in-house translator

property is located across from the best section

term and long-term rental options are available.

who speaks five languages.

of the famous Seven Mile Beach and is central to shops, grocery stores and restaurants. It

SEE AD PAGE 147

Real Estate Photography Please refer to the Living In Cayman chapter for details on photographers who can take stunning images of your property whether it’s to sell or rent.

Tel: (345) 949 9838 Email: info@ritchrealty.ky www.ritchrealty.ky Ritch Realty Ltd. is a leading real estate agency in the Cayman Islands specialising in sales, property management and rental properties at premium locations in Grand Cayman. A family owned business and member of CIREBA, Ritch Realty has been providing real estate services to clients since 1991. SEE AD PAGE 148 Tessa Hydes Property Management Tel: (345) 949 5134 Email: thpm@candw.ky or www.thpm.ky

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). Sunshine Suites Resort

personalised

Tel: (345) 949 3000, US Toll Free: (877) 786 1110

clients.

From

gardens, a freshwater swimming pool, and fully equipped kitchens in all suites: studio, deluxe or one-bedroom. Continental breakfast is served charge. The Sunshine Grill is open for breakfast, lunch and dinner and its restaurant, though casual, is highly acclaimed by TripAdvisor. Other amenities include high-speed wireless internet, a business centre, coin-operated laundries and exclusive admission to its sister property on Seven Mile Beach, with full access to its amenities which includes multiple restaurants, spa, fitness facilities, pool and beach. The hotel offers short and long-term rates for local

9

companies and residents. SE E AD T H I S PAG E

is a leading real estate agency offering to

course. The resort offers well-manicured

daily for hotel guests as part of the resort

Tessa Hydes Property Management (THPM) services

is also next to the North Sound 18-hole golf

THE

Ritch Realty Ltd.

Email: info@sunshinesuites.com

commercial properties in the capital, THPM

www.sunshinesuites.com

Tell them you saw it in the FINDING A HOME

luxury properties on Seven Mile Beach to offers a comprehensive selection of properties to clients. THPM also provides property management and sales. SEE AD PAGE 149 The Terraces at Camana Bay Dart Realty Ltd.

Grand Cayman’s Extended-Stay Favorite.

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 Terraces offers modern one bedroom and two bedroom living options. SEE AD PAGE 128 Williams² 6 The Strand, Seven Mile Beach Tel: (345) 623 9999 Email: cathy@williams2realestate.com www.willams2realestate.com Voted one of the top real estate companies in the Caribbean, Williams² team of 14 Agents specialises in buying/ selling and renting luxury

YOUR PERFECT ALL-SUITE HOME WHILE RELOCATING OR REMODELING! • Great Seven Mile Beach location • All suites with kitchens • Award-winning Sunshine Grill on-site • Laundry facilities, 62-channel HD TVs and internet • Access to sister resort amenities and private beachfront • Attractive discounts for extended-stay guests

US Toll Free 877.786.1110 Direct 345.949.3000 SunshineSuites.com

real estate and has one of the largest rental

»

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

151


home running your

Photos courtesy of Aaron Rebarchek, DRCL/Camana Bay and Deep Blue Images.

How to maintain your home, pool and garden, organise domestic help and assess your monthly costs of living in Cayman.

R U N N I NG YOU R HOM E

10

MAINTAINING YOUR HOME

152

Maintaining Your Home - Air Conditioning - Electricians - Home Security - Pest Control - Set-Up & Monthly Living Costs - Quarterly Spraying - Painting & General Maintenance - Plumbers - Recycling

152 152 153 153 153 154 154 155 155 155

Cleaning Services

156

Domestic Help

156

Maintaining Your Garden - Landscaping - Lawn Maintenance - Plant Trees - Pool Maintenance

157 157 158 158 159

Sewage & Wastewater Treatment

159

CAYMANRESIDENT 2018

»

Many find that the quality of services, selection of homeware stores and the expert contractors found on Grand Cayman compares to 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, from light fixtures to futons, that you may want for your home must be imported from overseas. Luckily, when it comes to maintaining a home there are many ways to avoid financial haemorrhage. First things first: ask your friends for recommendations. Then shop around before choosing a contractor or service provider to ensure that you keep your maintenance costs as low as possible. Read on for more great recommendations! Air Conditioning Air conditioning your home can have the biggest impact on your electricity bill. Keeping the temperature at the highest setting you feel comfortable with will help, 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 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 in your energy consumption. Also, choose a system that is suitable to the area that you are seeking to keep cool— often certain systems are either too large or not adequate enough for the space you want to cool. An experienced licensed professional can advise you.

They sell and install the following major home appliance brands: Whirlpool, KitchenAid, Miele, Sub-Zero and Wolf. SEE AD PAGES 180, 182 & 256 Bon Vivant Market Street, Camana Bay Tel: (345) 623 2665 They sell and install two major home appliance brands: Bosch and Smeg. SEE AD PAGES 168 & 257

BrandSource Home Gallery 209 Dorcy Drive, Industrial Park Tel: (345) 949 5211 They provide installation, repair and parts for all

A/C Contractors Below are a few contractors operating in the Cayman Islands 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, and others won’t. So shop around to get the best deal.

GE, Profile, Monogram, LG, Samsung, Frigidaire, Electrolux, Icon, Fisher & Paykel, DCS, Danby and Haier.

Electricians If you need an electrician, we recommend the following companies that have qualified and well trained staff to assist you with your electrical needs:

The Security Centre Limited Tel: (345) 949 0004 Email: info@security.ky

Tel: (345) 949 8000 (24-hour service) Androgroup Ltd. Eco Smart Cooling Ltd.

Tel: (345) 949 8000 (24-hour service)

Tel: (345) 936 2665 DP Electrical and General Maintenance

Mould Remediation, Decontamination & A/C Duct Cleaning and Sanitation With Cayman’s climate being hot and humid year round, it is very important to have your A/C systems regularly inspected and thoroughly cleaned. Life in the tropics often means that A/C ducts and vents will be susceptible to mould and bacteria growth if it is not regularly maintained by a trained professional.

80 Shedden Road, Elizabethan Square, GT Tel: (345) 321 7562 or (345) 324 1547 Email: dpeconomyservices@gmail.com www.dpeconomyservices.com DP Electrical and General Maintenance (DP) specialise in providing electrical services to small businesses, homeowners and property managers on a tight budget. Their other services include plumbing, carpentry (including decking), painting, as well as general renovations. They offer fair and transparent pricing to clients;

Eco Smart Cooling Ltd.

absolutely no price gouging on jobs.

Tel: (345) 936 2665 Parsons Air Conditioning Tel: (345) 949 3945

Appliance Sales, Service & Repairs A. L. Thompson’s 189 North Sound Road, George Town Tel: (345) 949 8622

Home Security Cayman enjoys one of the lowest crime rates in the Caribbean. Burglaries— usually crimes of opportunity— do occur however. The majority of burglaries occur at residences when no one is at home; entry is concealed and easy to access. It is suggested that you lock all doors and

10

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 it is important to have a pre-treatment for termites completed 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 - make sure you apply a product such as Frontline regularly to your pets. Ticks are

»

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

153

R U N N I NG YOU R HOM E

Androgroup Ltd.

brands of appliances. Brands they sell include

windows, particularly when you are not at home. There is a lock called ‘multi-lock’ which is unpickable and 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 away on holiday for an extended period, have a friend or a neighbour check on your home. If you are at home at night and have a deadbolt, use it. 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 in relation to personal safes for valuables, alarm systems, security lighting, camera systems, and generally beefing up your home security. Here is one option:


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 two-week period. Cayman has biting insects such as fire ants, mosquitoes and sand flies. It is the task of the Mosquito Research & Control Unit (MRCU), established in 1965, 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 also 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 settle and stagnate, as these areas are breeding grounds for mosquitoes. Large land crabs are common across

Living in Cayman: Set-Up & Monthly Costs (in CI$) Scenario 1:

Scenario 2:

>

>

COUPLE

> > > >

10

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 MOTOR VEHICLE COSTS

R U N N I NG YOU R HOM E

Purchase of a vehicle Motor vehicle insurance Drivers licences x 2 Vehicle licensing/inspection

$6,500 $450 $250 $215 $1,500 $1,500 $80 $200 $200 $199 $11,094

Total Monthly Income Total Monthly Expenses

154

$1,500 $120 $60 $290 $75 $50 $200 $700 $500 $3,495

Preschool fees (half-day) Prep school fees Domestic help (full-time) Domestic help health insurance Entertainment/Other Total living expenses

$355 $600

$2,300 $2,300 $80 $300 $200 $199 $24,079 $2,300 $120 $90 $500 $75 $59 $350 $1,200 $575 $1,070 $1,200 $120 $700 $8,359

COMPULSORY MONTHLY EXPENSES

Pension 5% Health Insurance

$7,100 $4,450

CAYMANRESIDENT 2018

$17,000 $1,000 $250 $450

MONTHLY LIVING EXPENSES

Apartment rent Telephone + mobile Water Electricity Cable Internet Petrol Groceries

COMPULSORY MONTHLY EXPENSES

Pension 5% Health Insurance

Purchase of 2 vehicles Motor vehicle insurance Drivers licences x 2 Vehicle licensing/inspection APARTMENT COSTS

MONTHLY LIVING EXPENSES

Apartment rent Telephone + mobile Water Electricity Cable Internet Petrol Groceries Entertainment/Other Total living expenses

MOTOR VEHICLE COSTS

Apartment deposit First month’s rent Water deposit Electricity deposit Telephone deposit Cable deposit Total set-up costs

APARTMENT COSTS

Apartment deposit First month’s rent Water deposit Electricity deposit Telephone deposit Cable deposit Total set-up costs

> > >

Accountant earning CI$6,500 pmth and Administrator earning CI$3,500 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

Total Monthly Income Total Monthly Expenses

»

$500 $950 $10,000 $9,809

the Island. Migrations are prompted by heavy rain and storms when thousands make their way to the sea to spawn, often running the gauntlet of crossing busy roads. 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. If chickens and roosters are interfering with your garden or waking you at all times of the night, you can request that a trap be set by the Department of Agriculture, who will then come and take them away. The service is free. 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 and is generally only found at the Botanical Gardens. The green iguana is a pest that breeds in large numbers and has no predators. Many parts of Cayman are overrun with them and they are voracious eaters. It is quite simple to catch iguanas with a long stick (12-14ft) with a noose made of weed-whacker line affixed to the end. Alternatively, call Joseph on (345) 939 6075 who is a registered DOT culler, and has a licence for an air rifle, and he will come and cull your iguanas and then dispose of them. You will need to pay him a few dollars per iguana. Quarterly Spraying at Home If you are buying a property you will want to know 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 to keep pests at bay. 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. It is worth shopping around for the best rate before deciding on a company.

DP Electrical and General Maintenance 80 Shedden Road, Elizabethan Square, GT Tel: (345) 321 7562 or (345) 324 1547 Email: dpeconomyservices@gmail.com

Pestkil Ltd.

www.dpeconomyservices.com

Abacus House, 311 Walkers Road, George Town

DP Electrical and General Maintenance (DP)

Tel: (345) 949 9145 or www.pestkil.com

specialises in providing electrical services to

Operates across all three islands and has been

small businesses, homeowners and property

in business for over 35 years. Services include

managers on a tight budget. Their other services

the control of cockroaches, rodents, ants, as

include plumbing, carpentry (including decking),

well as all other pest control for residential and

painting as well as general renovations. DP

commercial locations; including lawn, shrubs

offers fair and transparent pricing to clients;

and tree services. Pestkil is owned and run by a

absolutely no price gouging on jobs.

Doctor of Entomology (insects) and is the only provider of the Sentricon Termite Elimination System in Cayman. Pestkil’s external perimeter spraying (EPS) system is highly effective in the prevention of most pest problems in your home or business. SEE AD THIS PAGE Bug Busters 246B Dorcy Drive, Airport Industrial Park Tel: (345) 949 7782 www.bugbusters.ky Established in 1989, Bug Busters offers effective pest control solutions for commercial, industrial and residential properties. They adhere to the Integrated Pest Management (IPM) approach, so Bug Busters employ nonchemical methods in certain cases, using the application of chemicals only when absolutely necessary. Services include: pest control, lawn and ornamental services, rodent control, structural fumigation, soil treatment and subterranean termite control.

SEE AD PAGE 156

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). It’s often worth asking friends about any reliable general handymen who can do odd jobs. Expect to pay CI$10-CI$15 per hour. Plumbers Androgroup Tel: (345) 949 8000

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

155

10

R U N N I NG YOU R HOM E

Email: info@bugbusters.ky

Recycling Cayman has been making significant steps in its recycling efforts over the years. This process has been strengthened by many organisations such as Dart, the supermarkets, commercial service providers and non-profit organisations. All of which have worked in conjunction with the Government and the Department of Environmental Health (DEH) to ensure the success and continuity of this

programme. We highly recommend Junk’s programme that any individual home, apartment complex or office building can join, whereby they will collect your recyclables weekly. There are presently six recycling depots located at various outlets of the island’s three major supermarkets. 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 and HDPE plastics (#1 and #2). They no longer recycle any plastics higher than #2 check the bottom of containers to identify what level they are. Read the signs at each depot and follow the instructions carefully. Recyclables must be removed from plastic bags and placed in the correct bins. Remember to separate your waste and teach your children and your domestic helper, if you have one, about the importance of recycling and waste separation. Please make sure everything has been rinsed out and is clean, and please don’t allow them to put


R U N N I NG YOU R HOM E

10

plastic wrappers, plastic bags and clingwrap 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 cause them to be landfilled. Residents can also deposit recyclable items at the 24-hour dropoff site located at the front of the landfill. There is no fee for this service and assistance is provided during regular business hours. Dry-cell batteries are also collected at the grocery stores or directly from businesses. Any new businesses wanting to participate should contact the DEH. Otherwise, take batteries to the grocery stores where they can be placed in a blue DEH recycling battery tube. Ask at the grocery store if you don’t see one. The batteries are sent to the US for recycling. Recyclables in Cayman Brac and Little Cayman are stored at their respective landfills until arrangements are made for shipping to Grand Cayman for further processing. Once at the George Town landfill recyclables are sorted, processed

and baled for shipment to a recycling plant in the US. For more information about how you can recycle refer to the Being Green chapter.

washing. The agencies listed below can help: Hew’s Cleaning Services Tel: (345) 949 0734 Email: hews@hews-janitorial.com

CLEANING SERVICES

Whether you are a busy single professional or part of a large family living in Cayman, at some point you might find yourself needing the help of a professional cleaning service to give your home a proper, detailed clean. Fortunately, due to their relatively low cost, housekeeping services are an affordable luxury in Cayman. 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. In Cayman, there are many reputable cleaning companies that offer various residential and commercial services such as carpet and area rug cleaning, housekeeping and maid service, natural stone and marble polishing, upholstery cleaning and window

www.hews-janitorial.com A family-owned company that provides trustworthy,

professional

and

efficient

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. A great, hassle-free service. SE E AD OP P OSI T E PAG E

Orchid Organic Cleaning Services Tel: (345) 922 3036 or (345) 923 1750 Email: orchid.luxclean@gmail.com www.orchidluxorganic.com Ensuring the highest level of cleanliness, Orchid Organic Cleaning Services uses 100% organic products to thoroughly clean your home. The company offers general home cleaning and deep cleaning services focusing on hard to

The Orchid luxurious green cleaning approach is simple. We use natural products which are effective yet gentle and safe for you and your family.

reach areas such as ceiling fans, air conditioning vents and grills and will also conduct a steam cleaning of hard surface flooring. SEE AD THIS PAGE

DOMESTIC HELP & NANNIES

Request your appointment by whatsapp 922-3036 orchid.luxclean@gmail.com

156

CAYMANRESIDENT 2018

»

orchid.luxclean

Many families employ domestic help either on a full-time, live-in or part-time basis. Having a domestic helper or nanny is an affordable luxury in Cayman. Helpers are employed primarily to do housework, cook and care for children and pets. The domestic help network is mostly Jamaican and Filipino and you can often find someone via word of mouth. Make sure to ask for and check all references. You can also try an agency. Hiring through an agency: You may need to register with the agency if you would like to secure the same person on an on-going basis. They charge 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


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. Other things worth noting are: 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 dependents 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. You will have to show proof of your need, i.e. the birth certificates of your children. MAINTAINING YOUR GARDEN

If you live in a condominium or an

apartment complex, the strata will generally have a garden maintenance company that will service the property regularly. If you find yourself having a garden to maintain, equipment such as lawnmowers and fertiliser are available from most home centres such as A. L. Thompson’s, Cox Lumber, Kirk Home Centre and Uncle Bill’s. For garden maintenance and basic landscaping there are numerous companies that can help you. There are very good plant nurseries that sell plants, herbs, trees, soil and have experienced staff who can advise you. If you are renting, having potted plants on the porch is one way of personalising the space. Absolutely Fabulous and Sticks & Stones sell teak garden furniture and woven allweather outdoor furniture. Landscaping There are many good landscape contractors who can care for your garden once you buy a home. Almost all apartment complexes have someone maintaining the grounds

a ily o ned and operated in t e Cay an Islands since 9 Sa e, pro essional, trust ort y, e cient, riendly caring

o ces carpets aids oors indo s icro ial restoration

e s

e s anitorial co

up olstery ater restoration

ar le old re restoration

O Bo 9 , rand Cay an orcy ri e, Industrial ar

»

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

157

10

R U N N I NG YOU R HOM E

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. Agencies also interview and trial potential domestic helpers. Refer to the Having A Baby chapter for more detailed information on securing a fulltime domestic helper or caregiver through an agency. We recommend the following two agencies: AAA Caregivers Agency, Tel: (345) 916 5925 or www.aaacaregivers.ky or another such as Best Home Care, Tel: (345) 947 2297 or Email: bhc@candw.ky can help. Hiring someone yourself: If you hire someone yourself then the going rate for a full-time (five days a week) helper is approximately CI$400 per week for an 8.30am-5.30pm day. For this salary they would be expected to drive well. Helpers cost more per day if you only have them part-time; for an eight hour day allow CI$80. For overtime or babysitting 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 Immigration 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 noting that the Department of Immigration 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


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 keep down the frog population.

R U N N I NG YOU R HOM E

10

Plant Trees! Planting trees around your property will not only support Cayman’s fragile environment, but it will also help keep your house cool, provides shade outdoors while your children play in the afternoons and shade trees add tremendous character and value to your property. According to local resident Margaret Barwick, author of the book Tropical & Subtropical Trees, the emphasis should be on respecting and incorporating the indigenous flora where possible and preserving threatened environmental resources (i.e. don’t chop down that stunning old tree when you are clearing a plot of land for a property - move the tree and replant it or work around it). If you plant trees that are indigenous to the Island, that support the local wildlife (birds and bees in particular), they will be affected less by pests and you will have a garden full of birdsong and wildlife. These trees will also bounce back far quicker after a major storm. While coconuts are fast growing palms and provide nuts filled with delicious water and jelly, avoid planting them close to your property or play areas. Nuts may fall and hurt children

158

CAYMANRESIDENT 2018

»

if they play under them, so have the coconuts removed often. The Neem tree is a fantastic shade tree that grows fast and is drought-resistant. Also the bark, seeds and leaves contain compounds with proven antiseptic, antiviral, antipyretic and antiinflammatory properties. It is non-toxic to birds and is an important honey plant (i.e. bees love it). Another wonderful option is the Mahogany, an indigenous, endangered tree that does remarkably well in marl-filled land as it is salt tolerant, hardy and fairly fast growing. Though they do not grow as large, the Puoi and Tabebuia trees are also very popular in the Cayman Islands and are easily spotted with their showy canopy of bright flowers. Avoid planting the Casuarina which is not native and very invasive and will take over your land quickly. The roots are also shallow growing and the fallen needles of the Casuarina also inhibit the growth of indigenous plants and it does not support any local wildlife.

Cayman Growers Tel: (345) 323 0722 Email: info@caymangrowers.ky A landscape design company with a plant nursery and also a sod and tree farm which houses up to 10,000 trees all locally propagated. Every Bloomin Thing Tel: (345) 945 1701 For Floral: floral@ebt.com.ky For Landscaping: landscape@ebt.com.ky For Garden: gardencentre@ebt.com.ky www.ebt.com.ky EBT provides unique gifts, plants, and flowers from the traditional to the quirky. They carry jewelry, kitchen gadgets, flowers from around the world and hard-to-find unique plants to meet the needs of any gardener with the greenest of thumbs. SE E AD PAG E 266 Vigoro Nursery Walkers Road, Tel: (345) 949 4270 Agricola Drive, Tel: (345) 945 5236 Email: tom.balon@vigoro.ky or craig.stewart@vigoro.ky

Lawn & Garden Maintenance Lawns in Cayman and particularly those 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, like a carpet being lifted, 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.

www.vigoro.ky With two unique locations, Vigoro is a fullservice landscape and design company with two plant nurseries. Both locations sell a large variety of seeds, plants, shrubs, trees, soil, fertilizers, terracotta pots, home and garden accessories and much more.

Bee Removal Services Cayman has a thriving community of bees which ensure that fruit trees bear abundantly and our farmers continue to produce the bounty that they do. However, sometimes these bees can overtake a corner of your garden and may need to be safely removed and relocated. Two people do this: Michiel Bush (Tel: (345) 326 5555) who is the other half of the amazing Britta Bush and their organic food company Saucha. There is also Otto Watler (Tel: (345) 947 1255) who lives in Lower Valley and produces ‘Pure Cayman Honey’ from his happy family of bees. They will both safely remove the bees from your property and hand you the honeycomb if there is anything to save. The cost usually varies


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 $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 also now available. Other environmentally friendly products such as LED lights, variable speed pumps, solar heaters, cartridge filters, automation systems will help reduce your monthly bill. Oasis Pool & Spa Tel: (345) 945 7665 Email: customerservice.oasis@candw.ky www.oasispoolscayman.com services from regular weekly maintenance to the latest energy-efficient pool equipment to keep your pool sparkling clean and ready to swim. SE E AD T H I S PAG E Pool Patrol Tel: (345) 949 8543 Email: pools@poolpatrol.ky www.poolpatrol.ky Pool Patrol supplies and stocks pool and hot tub pumps, motors, accessories, chlorine generators, heat pumps, gas heaters, pool games, pool floats, outdoor showers, hot tubs and patio furniture. Services include weekly cleaning,

949 8000). WASTE DISPOSAL

The Department of Environmental Health (DEH) (Tel: (345) 949 6696) is responsible for all waste management in Cayman. Residential garbage is collected once per week, while commercial garbage is collected based on the need of the business. All garbage is taken to the DEH landfill on each island. In Grand Cayman, waste is disposed of at the George Town Landfill, infamously referred to as ‘Mount Trashmore’. DEH also collects certain recyclables and the Being Green chapter has more information on this, as well as the locations of recycling facilities. The garbage collection schedule and waste disposal procedures can be found at www. deh.gov.ky. JUNK collects recyclables from private residences and businesses. Tel: (345) 325 5865. Apartment complexes, strata developments and businesses are charged an annual garbage fee which is based on the size, container type, its servicing frequency and category of business or apartment complex. Bulk wastes are collected free at roadsides every year during November and December. Old computers, electronics, TVs and other household appliances are recycled and all scrap metal is removed from it - call Kevin on (345) 321 6126 or email him on kevinropes@yahoo.com. Lastly, littering and dumping (or ‘fly tipping’) is illegal in the Cayman Islands and can lead to a hefty fine. It is also very frowned-upon.

Tell them you saw it in the

water testing, pool design and construction, as well as renovations and repairs. SE E AD OP P OSI T E PAG E & 183

SEWAGE & WASTEWATER TREATMENT

Residents who live along the main West Bay Road corridor and some of the connecting neighbourhoods are served by the Island’s only public sewage collection system, which is operated by Water Authority Cayman (WAC). The collected sewage is treated at the Authority’s wastewater treatment plant. Residents located outside of the West Bay

DESIGN CONSTRUCTION SERVICE REPAIRS RENOVATIONS

227 Smith Rd, Unit A1, PO Box 10110 Grand Cayman, KY1-1001 Office: 345.945. 7665 Mobile: 345.916. 7665 Email: sales@oasis.ky Website: www.oasispoolscayman.com

»

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

159

10

R U N N I NG YOU R HOM E

Oasis Pool & Spa offers a wide variety of pool

Road sewage system area have their sewage 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 a disposal well. Septic tanks are typically used at older developments. Septic tanks and aerobic treatment systems require maintenance. Accumulated solids reduce treatment capacity over time and require periodic removal (pump-out) by licensed septic tank emptiers. 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 Authority maintains a register of qualified 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 a responsibility shared by the property owner, service provider and WAC. For more information please contact: developmentcontrol@waterauthority.ky. Only use cleaning products that are septic tank safe, or you will kill the bacteria within it that make the septic tank function properly. Excessive bleach in the toilet will do this. If you have a domestic helper, make sure to educate them. If your wastewater treatment plant, septic tank or grease trap needs attention, you can contact Androgroup Ltd. (Tel: (345)

THE

depending on the complexity of the situation. Please don’t try and kill the bees!


Cayman building in

Photos courtesy of Deep Blue Images and Monika Wojtkiewicz.

How to build a home in Cayman, building environmentally friendly homes, suggestions on selecting a team, architects, land surveyors, general contractors and structural engineers.

B U I L D I N G I N C AY M A N

11

BUILDING IN CAYMAN - THINK LIKE A DEVELOPER

160

Building in Cayman - Dream, Investment or Both - Selecting a Site - Budget - Reality Check

160 160 161 161

Building Options - Design/Build - Construction Management - Design/Bid/Build - Selecting Your Team - Interior Design - Building Greener - Blocks & Insulated Concrete Forms - Roofing

163 163 163 163 164 165 165 166 167

Building Professionals - Architects & Project Managers - Construction Management - General Contractors - Land Surveyors - Quantity Surveyors - Structural Engineers

167 167 169 169 170 170 170

CAYMANRESIDENT 2018

»

Constructing a home or commercial property is not always a straight forward process. For most people, it will be one of the most significant investments of their lives, tethering them to a large debt that may take decades to pay off. But smart choices along the way can significantly reduce the stress of building that for some, will last several years. Building horror stories or advice exchanged at cocktail 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. Below are tips 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 relatively straight forward by calculating all costs (including mortgage interest) against possible return; however, it is often the subjective factors that can complicate decision-making. If it is ultimately important to be able to say, “I did it my way…” do not necessarily expect the process to be easy, efficient or enjoyable! On the other hand, 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.

What Do You Want? Think about how you want the layout and configuration of your house or building to look and think about how that will meet all your needs and aspirations. You can get inspiration from online floor plans and design resources. Save your ideas and photographic inspirations to a folder or website such as Pinterest. These images will illustrate the home or office that suits

your lifestyle or professional needs, while an inventory of rooms and spaces will help determine the approximate square footage of the building that meets your needs. But remember, looking at building plans online does not make you an expert. And while it is good to think carefully about what you want to achieve and draw inspiration from multiple sources, be careful when looking at house plans online as they are generally suited to North America or Europe and may not be appropriate to Cayman, where construction techniques and building codes, weather patterns and climate are very different. More importantly, those minimalist architectural wonders that you have fallen in love with may cost a fortune when translated into the Cayman context. Budget – Reality Check All too often rough area construction costs ($ per sq foot) are used for budgeting in place of realistic assessments of probable development costs. Fooling yourself that a building will cost x$/sq ft multiplied

»

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

161

11

B U I L D I N G I N C AY M A N

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 may add large costs to a building which must be considered. An engineer can drill or dig test holes at a modest cost 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.


B U I L D I N G I N C AY M A N

11

by an approx. 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: Soft Costs — permits (planning permission, building permit, infrastructure fees, etc.), 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 (including duty), 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

162

CAYMANRESIDENT 2018

»

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. Scheduling – It Ain’t Over ‘til it’s Over…. You must make a detailed schedule with a building professional. 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, long order time materials or equipment, adverse weather conditions, and design revisions must be considered in 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 draw it themselves may save thousands on architect’s fees but may end up spending even more in construction costs due to delays, cost overruns or approval issues than if they had hired a professional to draft an accurate, detailed set of construction documents. To assign a realistic budget for professional fees (architecture, interiors, engineering, survey) of 10-15% of construction budget will inevitably be value-added to the building; however, unlike commodities, it is sometimes difficult to assess the value added. The


DIY designer will inevitably love their own creation to the extent of remaining oblivious to its shortcomings and triumphant that they have saved money. If the cost of their time, delays or construction stage change orders was considered, the saving may well be insignificant. They will remain unconvinced in the face of the evidence which may, at worst, have resulted in an ungainly or dysfunctional building when construction is completed. BUILDING OPTIONS

There are several general models of how construction contracts are structured and there are some good reasons to recommend one over another in differing situations.

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 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

shaping the future through sustainable architecture

Stop by our offices for a coffee with an architect and complimentary 30 minute consultation

To learn more about Design Cayman Ltd. please visit: www.design-cayman.ky or contact Brian Macdonald at: 345.916.0930

»

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

163

11

B U I L D I N G I N C AY M A N

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 a hands-on involvement in the process beyond initial design and material

selections. 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.


COMMERCIAL | RESIDENTIAL | BUILDER | RENOVATOR

LIFESTYLE | QUALITY | INNOVATION

11

B U I L D I N G I N C AY M A N

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!

50 YEARS CAYMAN

SOPHISTICATED ARCHITECTURE FOR BESPOKE LIVING

DESTINATION CREATION • URBAN LIFESTYLE • ISLAND LIVING • INSIDE DESIGN • GREEN MATTERS

+1 345 949 8115 INFO@OBMI.COM OBMI.COM CONCORD CENTRE 59 MCLENDON DRIVE GEORGE TOWN

164

CAYMANRESIDENT 2018

»

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 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, including architects, builders and quantity surveyors— they 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


Interior Design in the Building Process Consider hiring an experienced interior designer and kitchen designer to look at 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 can be essential. In today’s modern 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 (call (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 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 The Cayman Islands’ hot and extremely humid climate contributes to very high energy costs, so one has to also place a premium on designing and building a durable and energy efficient home. Anyone planning on building a home or office in Cayman will now find a host of

DESIGN BUILD CONSULT MANAGE LUXURY RENTALS RENOVATIONS Construction/Project Management Contact Eric Kline Senior Project Manager (345) 938-0850 ekline@encompasscayman.com

C AYMAN

ISLA NDS

www.encompasscayman.com

»

Contact Tracey Kline Marketing Manager (345) 326-4562 tkline@encompasscayman.com

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

165

11

B U I L D I N G I N C AY M A N

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 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? Again, do not rush through this process mindlessly. 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!


B U I L D I N G I N C AY M A N

11

options for more responsible construction, from using recycled building materials and timber from sustainable sources, to alternative energy and waste water systems and home automation systems. Technology is constantly progressing so talk to the experts about your options. 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 the house with the heat of the afternoon sun. The classic plantation houses of the Caribbean, with deep porches and huge shade trees, 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. The less you have to run your air conditioning, the more you will save. Being green in Cayman is recognised by the Governor’s Award for Design and Construction Excellence in sustainability and the environment. The idea of the

FLOWERS

award is to foster and maintain innovation, sustainability and excellence in the Cayman Islands’ construction industry. Concrete Blocks & Pavers Flowers Group 184 Seymour Drive, Industrial Park Tel: (345) 623 0000 Email: customerservice@flowersgroup.com

Flowers Group

www.flowersgroup.com

184 Seymour Drive, Industrial Park

Established by pioneer Clarence L. Flowers, the

Tel: (345) 623 0000

Flowers Block division of the Flowers Group

Email: customerservice@flowersgroup.com

specialises in the manufacturing and delivery

www.flowersgroup.com

of concrete products including building blocks,

The Flowers Foam Products division of the

grass and keystone blocks, multi-colour

Flowers Group supplies state-of-the-art,

rectangular pavers and cobblestone pavers.

locally

SEE AD THIS PAGE

including Insulated Concrete Forms (ICF), foam

manufactured

Insulated Concrete Forms & Foam Shapes If you want to insulate yourself from the ambient sounds of the outside world— rush hour traffic and early morning roosters, Insulated Concrete Forms (ICF) may be the right option when building. ICFs are

products

components and custom shapes and signs. SEE AD THIS PAGE

Small Engineering Ltd. Tel: (345) 947 9330 or Cell: (345) 916 0302 Email: quadlock@candw.ky www.quadlock.com

FLOWERS FOAM PRODUCTS 623-0000 A Division of The Flowers Group

A new generation of construction innovation technology from a name you can trust 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 166

building

flat sheets, steel stud and tracks, architectural

Insulated Concrete Forms (ICF’s)

ICF’s

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.

CAYMANRESIDENT 2018

184 Seymour Drive

»

off North Sound Rd

Cay Deck

Industrial Park • A member of the Flowers Group


Small Engineering Ltd. is a distributor of Quad Lock ICF which offers both R22 and R30 walls in any thickness and Quad Deck flooring system and the RETRO panel for insulating existing buildings. SEE AD PAGES 144 & 170

Driveway & Walkway Surfacing The companies below offer a wide range of pavers, bricks and cobble stones: Flowers Group Tel: (345) 623 0000 www.flowersgroup.com Part of the Flowers Group, Flowers Block provides a wide selection of pavers, including cobblestone pavers in numerous colours and sizes. SEE AD OPPOSITE PAGE Island Paving

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.

and interior design services. Building design experience includes residential, commercial, retail, industrial, hotel resort and institutional projects. Other specialised services include

Design (Cayman) Limited Architects Tel:

(345)

949

2800

Brian

Macdonald,

Chartered Architect, RIBA: Tel: (345) 916 0930 Email: brian@design-cayman.ky www.design-cayman.ky With over 20 years of experience and led by qualified British Architects, this 2015 Award winning full service firm provides a hands-on, collaborative and fun approach, with design

BDCL Architects

solutions. Professional services: architecture,

Tel: (345) 925 4909

interior

design,

project

11

management,

development and master planning, strong Chalmers Gibbs Architects

focus on sustainability, PAD - conceptual

Tel: (345) 949 2727

strategies, feasibility studies, construction and

• CONSULTING • VIRTUAL 3D • DESIGN-BUILD • PROJECT MANAGEMENT •

TROPICAL ARCHITECTURAL GROUP LTD. We are a full service Architectural Design & Project Management Group specializing in Commercial and Residential projects of various scales. Our project team is experienced with merging the velocity of cutting-edge design, innovative construction techniques and systems, with management skills that create real economic value and lasting success. With us, you work directly with a professional team that will lead your project from concept to completion. THE PALMETTOS

We are problem solvers who provide you with peace of mind, knowing the job will get done, and get done right. Our legacy of listening, learning and leading remains constant. Helping you achieve your objectives and surpass expectations is what gives us true pride. We want every customer to become a reference, and we strive every day to ensure a long and lasting relationship with all our clients. For inquiries regarding our full list of services, please contact us and we will be happy to assist you in any way we can.

Tel: (345) 949 7062 Precision Roofing Tel: (345) 916 7823

Tel: (345) 949 1699

practice offering professional architecture

studies and space planning. SEE AD PAGE 162

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 have experienced project managers on staff.

Hydes & Sons Ltd.

Watler’s Metal Products

Cayman’s oldest and largest architecture

BIRCH TREE HILL MANOR

M: P.O. BOX 12218 KY1-1010 P: 345.947.5849 E: info@tag.ky http:// www.tag.ky

»

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

167

B U I L D I N G I N C AY M A N

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. 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 to the cheapest roofer - compare apples to apples. 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. Also make sure to count those pins before foam insulation is added! We recommend the following roofing contractors:

www.chalmersgibbs.ky

3D modelling, brochure graphics, feasibility

BUILDING PROFESSIONALS

Tel: (345) 949 8294

Email: info@chalmersgibbs.ky


relocation management. SEE AD PAGE 163 DDL Studio Ltd. Tel: (345) 945 3622 Email: info@ddlstudio.com www.ddlstudio.com Services include: architecture, interior design, project

management,

quantity

surveying,

claims

consulting,

valuations/appraisals,

feasibility studies. Frederick + McRae Ltd. Tel: (345) 945 3601 John Doak Architecture Tel: (345) 946 3625 Email: doak@johndoak.com www.johndoak.com With almost 40 years in the Cayman Islands and across the Caribbean, John’s renowned

11

design-build services for residential, resort and commercial works have been recognised by

B U I L D I N G I N C AY M A N

international awards and inclusion in regional publications. His firm’s services include: architecture,

imagineering,

engineering,

interior design, master planning, landscape

EXCELLENCE IN ENGINEERING SOLUTIONS & SERVICE DESIGN SERVICES

Structural Engineering Civil Engineering Geotechnical Engineering Structural Analysis Structural Surveying Environmental Engineering Resident Engineering Services Piling Inspection & Testing Construction Compliance Project Management Utilities Enabling Works Highways Bridges & Infrastructure Storm Water Management Ground Modeling Materials Testing AutoCAD drafting & BIM Site Surveying Site Monitoring Structural Integrity Reports Third Party Inspections Civil 3D Modeling

Cayman Ingenuity, Global Experience

AMR CONSULTING ENGINEERS CAYMAN ENGINEERING LTD

P: 345 949 2716 | W: www.amr.ky | E: info@amr.ky 168

CAYMANRESIDENT 2018

»

design,

feasibility

studies,

construction

administration and project management. SEE AD PAGE 161

OA+D Architects Tel: (345) 945 2979 OBM International Concord Centre, 59 McLendon Drive, GT Tel: (345) 949 8115 www.obmi.com OBM International (OBMI) is a design firm renowned

internationally

for

residential,

hospitality and commercial properties. Their team of registered architects, designers and planners are passionate about creating timeless spaces that transform clients dreams into reality. For more than 50 years, the Cayman Islands has embraced OBMI as trusted advisors for their commitment to exceptional, beautiful design. SEE AD PAGE 164 Tropical Architectural Group 1 Berthaze Court, Godfrey Nixon Way, GT Tel: (345) 947 5849


Email: info@tag.ky or www.tag.ky Tropical in

Architectural

schematic

design,

Group

renovations specialises

master

planning

and

relationships

repairs.

with

developers,

building

architects,

With

excellent

Encompass has established relationships with

professionals,

suppliers around the world and understand

subcontractors

what materials to source in order to create

expedite

exceptional homes, within reasonable budgets

and development, consulting and project

and

management. They are design-build specialists

responsibilities, they ensure that your quality

for maximum value.

and use high level technology including 3D

project begins and finishes on schedule with

SEE AD PAGES 165 & 174

modelling to create a vision for your new build.

an efficient transition to facility opening and

Some of their notable projects include San

operation. SEE AD PAGE 164

suppliers

that

help

key

Le Habitat Ltd. E-31 64 Kingbird Drive, North Sound Road, GT

Sebastian, VELA and Cayman Shore Club, three premier developments in South Sound.

Clan Construction Ltd.

Tel: (345) 949 6688

SEE AD PAGE 167

Tel: (345) 326 1730

Email: lehabltd@candw.ky www.lehabitat.ky

Construction Management The following firms can provide the overall planning, coordination and oversight for your residential project.

Edgewater Development Ltd.

In operation for over 25 years, Le Habitat Ltd.

Tel: (345) 946 3343

continues to lead the way in custom home construction. Le Habitat specialises in a wide

Encompass Ltd.

range of construction and project management

Tel: (345) 938 0850

services – from luxurious custom homes to

BCQS International

Email: ekline@encompasscayman.com

property renovations, commercial buildings,

Tel: (345) 949 8644

www.encompasscayman.com

pools and patios.

Encompass Ltd. specialises in creating homes Build Cayman

that are inspirational, providing Renovation/

McAlpine Ltd.

Tel: (345) 949 0471

Remodel

Tel: (345) 949 4666

and

complete

Design/Build

11

services. They have a wealth of experience building luxury resorts and villas and as such,

Phoenix Construction

Tel: (345) 938 1009

have in-depth knowledge of the process.

Tel: (345) 945 8001

B U I L D I N G I N C AY M A N

Cornerstone Group

Encompass Ltd. Tel: (345) 938 0850 Email: ekline@encompasscayman.com www.encompasscayman.com Encompass offers architectural, design and build services, as well as project management, renovations and remodelling. They manage

30 YEARS IN CAYMAN

Whatever your plans, we have the professionals to guide you

every detail of the design/build process and ensure that they meet and exceed their client’s expectations every time. SEE AD PAGES 165 & 174 Kellett & Company Tel: (345) 926 1518 Email: info@kellettco.com

General Contractors The following general contractors operate in the Cayman Islands: AMB Construction Tel: (345) 516 2078 Email: info@ambltd.org www.ambconstructioncayman.com AMB Construction is service driven, specialising in residential and commercial builds, fit outs,

»

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

169


NCB Group

his clients. Specialising in legal boundary

purposes and loss adjusting. Specialising in

Tel: (345) 946 9622

re-establishments, subdivisions, combinations

hotels and resorts. SEE AD PAGE 143

and

strata

incorporations,

Abernethy

&

Small Engineering Ltd.

Associates use the latest GPS technology and

BCQS International

Tel: (345) 947 9330 or Cell: (345) 916 0302

are fully equipped to perform civil engineering

Tel: (345) 949 8644

Email: thesmallgroup@candw.ky

and building set outs. SEE AD THIS PAGE Charterland

www.smallengineering.net A general contracting firm that provides

Cayman Survey Associates Ltd.

Tel: (345) 623 2772

both traditional and design/build options for

Tel: (345) 945 9222

Email: info@charterland.ky www.charterland.ky

residential and commercial construction. They

Quantity Surveyors & Project Managers These businesses can calculate and manage the cost of your residential and/or commercial construction project.

Professional

Blue Point Consultants

DDL Studio Ltd.

Land Surveyors

Tel: (345) 525 0706

Tel: (345) 945 3622

Abernethy & Associates Ltd.

Email: info@bluepointproperty.com

Email: info@ddlstudio.com

96 Mary Street, George Town

www.bluepointproperty.com

www.ddlstudio.com

Tel: (345) 947 1582

RICS registered valuer offering property

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

valuations, development appraisals, feasibility

JEC Property Consultants Ltd.

Abernethy & Associates Ltd. is a land

studies, acquisitions and disposals, consulting

Tel: (345) 945 5930

surveying company owned by Greg Abernethy,

on landlord and tenant issues, property

Email: contact@jec.ky or www.jec.ky

who brings over 21 years of experience to

searches, reinstatement cost for insurance

Services

also specialise in ICF construction. SEE AD THIS PAGE & 144

Interior Designers Find a professional interior designer in the Home Improvement chapter on page 174.

include:

Quantity

appraisals, feasibility studies, commercial, residential and strata property management and insurance loss adjusting.

include:

Development

advice,

development feasibility studies and appraisals, construction estimating, construction and project management, quantity surveying and construction cost management, construction contract advice and dispute resolution.

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

SEE AD PAGE 169

Structural Engineers AMR Consulting Engineers Cannon Place, North Sound Road, Ind. Park Tel: (345) 949 2716 Email: info@amr.ky www.amr.ky Value engineered structural and civil design solutions

for

residential,

commercial,

institutional, industrial and Cayman Islands Government projects. Other services include: geotechnical engineering, structural surveys, environmental

engineering,

storm-water-

management, piling inspection and testing, CAD (AutoCAD and REVIT) draughting, structural

THE

B U I L D I N G I N C AY M A N

11

services

surveying and cost consulting, valuations and

analysis, site surveying and monitoring and project management. SEE AD PAGE 168

TE

170

E E

ET

CAYMANRESIDENT 2018

S

»

EST

Tell them you saw it in the


home improvements

Photos courtesy of Deep Blue Images.

Hints and tips for renovating a home in Cayman, both inside and out, suggestions for interior designers, kitchen, bathroom, flooring, doors and windows, swimming pool installers and more.

12

Cayman’s harsh tropical elements such as sun, salt and wind can degrade your home over time. Making regular improvements to both the exterior and interior of your home is essential to avoid permanent damage. Improving your home will 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-it-yourself project or a full scale renovation, there are a wide range of professional craftpersons, contractors and homeware stores to choose from on-Island. Make a Return on Your Investment The kitchen and bathroom(s) are two rooms you must examine carefully when you first go to look at a house. These rooms are usually the most costly to remodel, but they are far more likely to pay for themselves if you ever sell your house. In fact, you can typically recover up to 80% of your investment when you spend your money on an upgrade to your kitchen or a bathroom, but not all remodelling projects yield a return. Adding rooms, such as a family room or a master suite, tend to help when it comes time to sell, but comparatively speaking, swimming pools rarely return their cost. Buyers are usually unwilling to spend more for a house simply to acquire a ‘luxury’ add-on that is costly to maintain. A home improvement project need not be expensive, as ‘expensive’ does not always yield a return. Often it is the minor upgrades that are not only the most effective in improving the appearance of your home, but yield greater dividends in the long run. For example, instead of overhauling your entire kitchen, you

171 171 172 174 174 176 176 177 178 178 178 179 180 180 181 181 182 182 183 183

HOME IMPROVEMENTS

Home Improvements - Make A Return On Your Investment Before You Begin Construction Management Interior Designers Indoor Improvements - Kitchens - Bathrooms - Colours & Accessories - Decorative Electrical Panel Covers - Doors & Windows - Curtains, Draperies & Blinds - Flooring, Tile & Carpet - Home Automation & Electronics - Painting & Roofing Contractors Outdoor Living & Gardens - Landscape Gardeners - Garden Trends Swimming Pools - Pool Safety For Kids

HOME IMPROVEMENTS

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?

»

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

171


could repaint the walls and upgrade a few appliances, to give the room a fresh look. When considering what the result of your home improvement project will look like, it is important to 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 highly unusual design schemes. Improving your home may also mean transforming your approach to life. More home owners are choosing to embrace a greener lifestyle in Cayman. See the Being Green chapter for general information on solar power in Cayman and companies that offer green solutions. BEFORE YOU BEGIN

HOME IMPROVEMENTS

12

Do not begin pulling up the floors in your kitchen before you read Cayman Resident’s key steps to follow before embarking on any redesign project. > Create your Vision - Do your research and draw on many sources for inspiration, from traditional interior

>

Martlet design

>

ery piece is unique

ade to order

(345) 916 7583 john@martletdesign.com www.johnbirddesigns.com 172

CAYMANRESIDENT 2018

»

design magazines and TV shows, to websites such as Pinterest or Houzz. The latter is home to thousands of interior design and decorating ideas and interior designers and trades people will often showcase their portfolios there. You can also create vision boards; these are great if you’re working with an interior designer, as they help you to understand each other’s vision. When improving a room you need to think about the space as a whole, rather than 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 - One common mistake made by homeowners is to walk blindly into projects without doing some strategic thinking, 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 works 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 to complete them. Get it in Writing - 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), what order the works should take place in, and how much the worst-

>

>

case 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 costing projections will be; however, it is still important that you have a healthy 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, as 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 additions! Trends vs. Timelessness - As Cayman is a transient place you may want to consider how long you plan on living at your current home. If it is five years or less, think about styles that will help increase your re-sale value, rather than a very 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 a classic style that won’t date or perhaps postpone installing a new kitchen for a few years, so it won’t look dated by the time you come to sell. You should also think about long term personal changes, such as whether you’ll be having children and how that fits with your design aesthetic. Keep in mind that when many of Cayman’s residences were originally constructed, they reflected the various architectural and interior design styles of their day. Those styles, as you can see, 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 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. Living rooms

C

M

Y

CM

MY

CY

CMY

K


12

Furniture & Housewares I Interior Renovations

Creating exceptional spaces that are as distinct as our clients

215 West Bay Rd l 7Mile Shops l 345-943-6464 l www.idgcayman.com

»

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

173

HOME IMPROVEMENTS

Spatial Planning I Project Management I White Glove Installation


>

HOME IMPROVEMENTS

12

and formal dining rooms continue to be replaced by great rooms that combine kitchens and family rooms as a shared space with plenty of room to do everything from homework to entertaining. Many kitchens now have two islands - one for cooking and preparing food and the other for entertaining and dining. Simplification of design, by way of cleaner lines and the specification of more natural 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 with a renewed focus on lowering heating and cooling costs has gone beyond the days of cloth tote bags and reusable water bottles. It has now made its way firmly into the vast and welcoming arena of 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, gray water systems, tank-less water heaters, permeable pavers, droughttolerant plants and no or low-mow grasses are all significant and logical additions to current Caribbean design and retrofit remodelling schemes. Learn more by chatting to one of the experts. See the Being Green chapter for more information and contractors. CONSTRUCTION MANAGEMENT

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

DESIGN BUILD CONSULT MANAGE LUXURY RENTALS RENOVATIONS Construction/Project Management Contact Eric Kline Senior Project Manager (345) 938-0850 ekline@encompasscayman.com

C AYMAN

ISLA N DS

www.encompasscayman.com

174

CAYMANRESIDENT 2018

»

Contact Tracey Kline Marketing Manager (345) 326-4562 tkline@encompasscayman.com

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 so that the renovation lasts and retains its value. For a complete list of construction management companies see the Building a Home chapter. INTERIOR DESIGNERS

If you think hiring an interior designer is an expensive luxury that you can’t afford, then think again. A good interior designer is worth their weight in gold and will, more often than not, save you money in the long run, especially if you’re new to decorating and renovations. 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 someone for the whole project, consider having a consultation with one; it will save your money in the long run. > Creativity - Though 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. > Import experience - 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. > Work to a budget - A good designer can work within any budget and will be able to suggest more cost effective options. Read on to find a list of fantastic interior designers in Cayman. Some architectural firms also have in-house interior designers, as do several construction companies.


12

HOME IMPROVEMENTS

C A Y M A N ISL A N DS Camana Bay

T U R K S A N D C A IC OS ISL A N DS Regent Village

www.designstudio.tc

»

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

175


Below are well known Interior Designers:

IDG (International Design Group)

cabinet makers and carpenters have been

7 Mile Shops, West Bay Road

working closely with commercial clients and

Chalmers Gibbs Architects

Tel: (345) 943 6464

homeowners in the Cayman Islands. Meticulous

Tel: (345) 949 2727

Email: info@idgcayman.com

care is taken to prepare quotes and clients can

Email: lara.adams@chalmersgibbs.ky

www.idgcayman.com

expect timely, personalised service on every

www.chalmersgibbs.ky

A full-service furniture and interior design

design project. SEE AD THIS PAGE

As a part of a multidisciplinary architectural

company with expertise in space planning,

practice, Lara Adams provides services in

furnishings,

corporate, hospitality, institutional, commercial

management. Shop at their two showrooms

Artemis House, 67 Fort Street

and custom residential design, both in new

with over 25,000sq ft of trusted name brands

Tel: (345) 938 1009

build and renovation projects. SEE AD PAGE 162

in furniture, accessories, artwork and lighting,

Email: info@libertydesigns.ky

renovations

and

project

Liberty Designs

all ready to deliver. Their design team can assist Design Studio

from drawings through to furnishings with

INDOOR IMPROVEMENTS

Unit 18A, 48 Market Street, Camana Bay

customised furniture packages and turn-key

Tel: (345) 945 4977

available. SEE INSIDE FRONT COVER & PAGE 173

Kitchens A home with an old, dated kitchen is usually harder to sell and may even decrease the value of a property. Even if you do not plan on selling your home, modern kitchens are more functional than old fashioned ones. If you can’t afford a full remodel, then consider improvements such as a new countertop or replacing the tiling or backsplash. The kitchen is often the heart of the home and the trend for a ‘social kitchen’ is set to continue, featuring open plan spaces for preparing food, cooking, eating, chatting and playing. This notion is supported by the rise of the kitchen bar, an area allowing people to sit and chat whilst the host cooks dinner. Neutral colours (especially white) continue to be the colour of choice for contemporary kitchens. They not only brighten up the room and make it appear larger, but 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 window blinds or curtains. 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. A tile or stainless steel backsplash can also be a focal point and replacing an existing backsplash can really lift a kitchen without the need for a complete remodel. Using green products such as reclaimed wood, recycled glass and handmade products is very popular and are kinder

Email: michelle@designstudio.ky

HOME IMPROVEMENTS

12

www.designstudio.ky

Island Interiors

Design Studio is an award-winning interior

125 Dorcy Drive, George Town

design firm with locations in both Turks and

Tel: (345) 949 6262

Caicos and in the Cayman Islands. Their scope

Email: cecile@islandinteriors.com.ky

of services include residential, commercial,

www.islandinteriors.com.ky

and landscape design with retail showrooms

Islands Interiors are professional interior

offering furnishings and accessories, as well as

designers and providers of fine furniture and

resources for custom orders from a wide array

accessories. Since 1968, their dedicated team

of international suppliers. SEE AD PAGE 175

that also includes skilled upholsters, painters,

176

CAYMANRESIDENT 2018

»


to the environment when compared to mass produced products. Please see the Bathroom & Kitchen Hardware section 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.

Tel: (345) 947 6780 Email: info@pooleycabinets.com www.pooleycabinets.com Pooley Cabinets provides quality cabinetry to clients in Cayman. Whether you are building your dream home, or renovating your existing kitchen, Pooley delivers a high standard of design and installation in both traditional and ultra-contemporary

settings.

They

offer

Cabinets & Custom Millwork

innovative

Martlet Design Ltd.

expert installation and exceptional service.

6 JJT Warehouses, Industrial Park

SEE AD THIS PAGE

products,

professional

design,

Tel: (345) 916 7583 Email: john@martletdesign.com www.johnbirddesigns.com Martlet Design is owned by the award winning furniture designer and cabinet maker John Bird. He and his team of master craftsmen specialise in beautiful bespoke furniture and cabinets. Every piece is unique, designed to reflect the individual’s space, whether it be contemporary to traditional, all made to order. SEE AD PAGE 172

17 Marina Drive, Prospect

Bathrooms Bathrooms were once functional spaces with little thought given to style or luxury, but this is no longer the case. To achieve a minimalist look go for wet rooms with walk-in showers. Concrete sinks, rainshowers, wall-mounted toilets and faucets and freestanding baths are all en vogue. Bathroom taps have become a highlight and beautifully sculpted taps can now cost more than the sink! Innovative built-in storage can also free up space and

Bathroom & Kitchen Hardware The following companies can provide you with the hardware and appliances for both your bathroom and your kitchen. A. L. Thompson’s 189 North Sound Road, George Town Tel: (345) 949 8622 Email: info@althompson.com www.althompson.com A. L. Thompson’s houses a large bath and kitchen gallery. They stock a wide selection of fixtures, fittings and appliances. Brands include Kohler, Delta, Brizo, Decolav, Kallista, Rubinet, Dornbracht, Whirlpool, KitchenAid, Avanti, Sub-Zero and Wolf. SEE AD PAGES 180, 182, 256

Passionate about design Celebrating 30 years of providing quality cabinetry. A fantastic range of kitchens, bathroom cabinetry and tiles. Professional design and installation. Come and visit our design studio at: 17 Marina Drive, Prospect Mon-Fri 8am-4pm Sat 9am-3pm

www.pooleycabinets.com

12

Tel: (345) 947 6780

»

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

177

HOME IMPROVEMENTS

Pooley Cabinets Design Studio

allow for an uncluttered look. Bringing elements of the outdoors into the home is a big trend, with wood and stone proving the most popular, along with using a colour palette of wooden hues and earthy tones. If you’re not going for a full-on remodel, then accessories such as new mirrors and lighting can add a punch!


BrandSource Home Gallery Provides custom design and installation of

Paint section in the Shopping chapter for a list of retailers.

kitchen and bathroom cabinetry, fixtures, showers, appliances and closets. Offering a

Decorative Electrical Panel Covers

large selection of premium brands including

Fuse-In Designs

Duravit, Isenberg Faucets, Design Element,

Tel: (345) 324 0280

ORG Home, Electrolux, Monogram, LG Samsung

Email: sales@fuse-indesigns.com

and many others.

www.fuse-indesigns.com Specialising in aesthetically pleasing magnetic

HOME IMPROVEMENTS

12

Colours An unexpected splash of colour can transform the outside of a home or add a fresh feel to an outdated room. For something truly unexpected check out Pantone’s colour of the year for 2017: Greenery, a zesty yellow-green shade of green. Adding ‘Greenery’ to your walls will feel as if you’ve brought nature right into your home. Conversely, muted shades of pink such as guava and coral can have a ‘cooling’ effect on rooms and provide respite from the relentlessly hot tropical sun. While recent trends are moving towards bolder colours, crisp white walls will never lose their appeal. Refer to the

covers for electrical panels. Choose from a wide array of patterns, designs, textures and images. Beautify a gray electrical panel without violating fire codes. SEE AD PAGE 181

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. > Greenery is Pantone’s colour of 2017 and is inspiring a nature lover’s trend. But you don’t need to reupholster your furniture just yet! Adding some beautiful potted ferns or low

Suite 14-15 Caymanian Village | (345) 926-9803 | info@abfabfurniture.com 178

CAYMANRESIDENT 2018

»

maintenance succulents to a room will put you on trend at a vastly reduced cost. > Retro Accents can look bold and modern. In fact, wall paper has found its way into many homes and has proven to be a fresh alternative to a painted wall. Fluffy, colourful rugs made from cotton blends can also add a shot of colour to a drab room and are great choices for those who want to avoid synthetic materials. > Metallic Moves – Metallic finishes on furniture are en-vogue. Go bolder and add a metal coffee table or shelving unit to your living room to give it a chic industrial look. Refer to the Furniture section in the Shopping chapter for a full list of retailers that sell furniture and accessories in the Cayman Islands. Doors & Windows When it comes to windows and doors in Cayman, choosing the right ones can help

www.abfabfurniture.com


A. L. Thompson’s Tel: (345) 949 8622 Email: info@althompson.com www.althompson.com A. L. Thompson’s specialises in PGT and Weather Shield windows and doors. SEE AD PAGES 180, 182 & 256

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 four brands of windows

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. While curtains, blinds and shutters are very popular choices in Cayman, many homeowners are choosing motorized solar shades and draperies. Whether your design concept is traditional or contemporary, there is a wide selection of options that will enhance the look of your home while keeping it cool during the hot summer months. Below is a recommended company specialising in various window treatment designs:

and doors including Betterbuilt, Eco-Windows, Simonton and Jeld-Wen.

Edie’s Decor 64 Eastern Avenue, George Town

Kirk Home Centre

Tel: (345) 949 6348

Tel: (345) 949 2521

www.ediesdecor.ky

Kirk Home Centre carries SIW and Jeld-Wen

Edie’s Decor supplies custom-made blinds and

windows and doors, plus Therma-Tru and

shutters, as well as draperies and curtains,

Eastern Architectural Systems doors.

which are made-to-order in their professional

12

drapery workroom, where they also offer

»

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

179

HOME IMPROVEMENTS

save you a lot of money in the long run. We recommend buying the best windows you can afford to help keep the cool air in and the hot air out. Tinting your windows will also help accomplish this. You’ll need to think about the hurricane season too and whether you’ll need hurricane shutters. 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 could try investing in a custom made front door designed by a skilled on-Island carpenter. A front door should match the style of the house, however, ornate Mahogany doors and old church doors are on trend and add a vintage sophisticated feel to a home in need of a fresh appeal. Sleek ‘industrial’ looking doors are often seen on minimalist homes. 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:


upholstery services. Contact them today to schedule your consultation. SEE AD PAGE 179

>

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

Flooring, Tile & Carpets Re-flooring is an expensive and messy job. If you do your whole house you’ll probably want to stay elsewhere, 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:

>

> 12

on compacted sand or installed on concrete

Rugs Oriental

to create a wonderfully uniform look.

25 Galleria Plaza, West Bay Road

The following companies in the Cayman Islands sell and install a wide variety of flooring options:

Email: rugsoriental@candw.ky www.rugsoriental.ky A distributor of unique hand-woven Oriental

Edie’s Decor

rugs. They also sell accessories and a selection

64 Eastern Avenue, George Town

of home furnishings. SEE AD PAGE 255

Tel: (345) 949 6348 Email: info@ediesdecor.ky www.ediesdecor.ky

General Maintenance & Repairs The following company can assist with general home renovations and repairs.

Wood Look Porcelain is here to stay and

A well-established family operation, Edie’s

the industry somehow manages to make

Decor offers an exceptional range of flooring

tile look more like authentic wood year

products: porcelain tiles, mosaics, luxury vinyl

DP Electrical and General Maintenance

after year.

and carpets are all available. SEE AD PAGE 179

80 Shedden Road, Elizabethan Square, GT

Luxury Vinyl Plank is a popular option

Tel: (345) 321 7562 or (345) 324 1547

due to its durability and green credentials.

ITC Tile

Email: dpeconomyservices@gmail.com

These planks give the appearance of real

Tel: (345) 945 3798

www.dpeconomyservices.com

wood without the bother of maintaining it.

HOME IMPROVEMENTS

Tel: (345) 934 7847

A dynamic team of professionals that provides

It’s a great option for children’s rooms as it

Paramount Carpets

is easy to clean, gentler underfoot than tile

Tel: (345) 949 5000

cost effective home renovation services.

Home Automation & Electronics Make your home a smart home with home automation. Home automation systems have come a long way since simple lighting timers were considered a modern accent. You can now link up your entire audio visual devices, install home cinema devices and control air conditioning, security systems and lighting while you are away from your home by clicking on a keypad — some systems can even be controlled by your phone! The following companies have a great reputation:

and some options are even waterproof!

The Audiophile Tel: (345) 746 4434 Creative Tech Tel: (345) 946 8324 US Tel: (305) 434 8563 Email: info@creativetechltd.com www.creativetechltd.com Creative Tech is the authorised dealer for Bose, Sonos, Paradigm, Samsung, Marantz, Denon, Lutron, URC, and other leading AV brands in the Cayman Islands. They provide design, sales, installation and after-sales support for audio 180

CAYMANRESIDENT 2018

»


visual systems for residential and corporate

Precision Roofing

clients. From flat screen TVs and home theatre

Tel: (345) 916 7823

solutions, to whole-house A/V solutions and distributed audio. Full manufacturers’

Watler’s Metal Products

warranties are also offered.

Tel: (345) 949 1699

The Security Centre Limited

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 on in a catastrophic hurricane.

Tel: (345) 949 004

Cayman Islands Spray Foam Tel: (345) 326 6767

Storage & Organising Solutions Basic wire racking for shelves can be bought from any home centre on Island. For custom built shelving, contact either Customs Closets on (345) 526 6774 or Storage Solutions on (345) 525 2647.

Painting Contractors There are a number of painting companies and contractors offering services in Cayman. No matter the surface that requires paint – concrete, stucco, wood substrates, masonry block, service doors, wrought iron fences – you can find an experienced professional to assist you.

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 brand new. We recommend the following:

DP Electrical and General Maintenance

Edie’s Decor

Tel: (345) 321 7562 or (345) 324 1547

64 Eastern Avenue, George Town

12

Outdoor Living Areas Outdoor living areas in Cayman are generally used year round so it makes sense to decorate well! Outdoor kitchens, BBQ

Fuse-In

DESIGNS The fusion of design and utility Fuse-In Designs™ provides aesthetically pleasing magnetic covers for electrical panels. Our custom covers can be created to match or accent anything from wallpaper to paint colour, the grain in a particular piece of wood, to the texture of travertine tiles.

Tel: (345) 949 6348 First Impressions

Email: info@ediesdecor.ky

Tel: (345) 917 7499

www.ediesdecor.ky Complete upholstery services for sofas, chairs,

Paint Pros Ltd.

headboards and more, in addition to decorative

Tel: (345) 949 7767

accessories like custom throw pillows and bedding. They also stock and special-order

Roofing Choosing a new roof for your existing home can be a daunting exercise with such a wide range of materials and styles. We recommend these roofing companies: Hydes & Sons Ltd. Tel: (345) 949 7062

fabrics. SEE AD PAGE 179 OUTDOOR LIVING & GARDENS

With the warm Cayman climate a constant, our outdoor areas can be a much needed extension of our homes when looking for welcome refuge from the air conditioned confines of indoors. They also serve many

www.fuse-indesigns.com

»

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

181

HOME IMPROVEMENTS

Home Security Systems & Monitoring Although Cayman is undoubtedly one of the safest islands in the Caribbean, a home security system that 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 the old hardwired technology that required drilling through walls, floors, ceilings, windows and door frames. Wireless systems are reliable, convenient to operate, easily upgraded and expanded, and can even move with you to a new location. Refer to our Running Your Home chapter for more information.

purposes including relaxing, playing games, entertaining, having barbeques and picnics. A well-designed outdoor space can add to the marketability of your home. If your outside area needs an overhaul, then here are just some of the questions that you should ask yourself 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 to spend on maintenance each month? > How long will you live in the house and 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.


areas, decking or stone patio areas, hot tubs and even fire pits can really elevate the living experience. The company below carries a wide range of outdoor goods: 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,

together, let alone survive in the hot Cayman sun! A landscape gardener will understand which plants work best with your terrain, plus details such as soil quality, which plants thrive on the waterfront versus those inland or in direct sunlight, what plants are the most durable, which shrubs or trees can provide good shade and increase your privacy, plus give instructions for long term garden maintenance and more. It is worth noting that the cost of irrigating gardens, especially manicured lawns, can be very expensive.

HOME IMPROVEMENTS

landscape and irrigation consultation, design, installation,

and

maintenance.

Landscape

low-voltage lighting, pest management, and tree pruning. Located at the Every Bloomin’ Thing Garden Centre on Crewe Road. Services provided island-wide. SEE AD PAGE 266 Vigoro Nursery & Landscaping 96 Agricola Drive, Lower Valley Tel: (345) 949 4270 Email: tom.balon@vigoro.ky or craig.stewart@vigoro.ky www.vigoro.ky

lawn ornaments, patio furniture, camping

12

an extensive range of services including:

equipment, outdoor grills, smokers and a whole

Cayman Growers

Vigoro has been providing landscaping services

lot more.

Tel: (345) 323 0722

in Cayman for over 40 years. Their services

Email: info@caymangrowers.ky

include all areas of gardening and landscaping,

A complete landscape company offering design,

including design, maintenance, construction,

installation, irrigation and lighting services.

irrigation, stone/hardscape, water features,

SEE AD THIS PAGE

Landscape Gardeners A trained and 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

182

CAYMANRESIDENT 2018

»

misters, lighting and artificial lawns. Every Bloomin’ Thing (EBT) 384 Crewe Road, George Town

Garden Trends

Tel: (345) 945 1701

– Local garden centres stock a wide assortment of native and imported species of plants and trees, though native plants obviously thrive the best in our climate. There is a huge variety of bright and beautiful options including tabebuia, lantana, bromeliads, adenium and bougainvillea. Fragrant flowers – Multi-sensory gardens are a big trend as beautiful smelling flowers such as night jasmine add another dimension to our environments. There is nothing better than sipping a cold glass of wine with fragrant scents surrounding you. Edible Gardens – Produce gardens in Cayman are surprisingly easy to establish and maintain. Locally grown tomatoes are delicious as are salad leaves and herbs - the choice is endless. If you have the space, consider planting fruit trees— they’re great for providing shade too!! Vertical gardens – Also known as ‘Living Walls’, these are a good option for condo dwellers who want to personalise their patio or balcony. Layering a range of plants in different colours and textures can create an interesting and dynamic outdoor area. For a list of garden centres please refer to the Shopping chapter.

Email: landscape@ebt.com.ky or ebt.com.ky An elite, full-service landscape firm offering

Native plants and trees


SWIMMING POOLS

>

>

nannies and caretakers) 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, circulation and filtration to minimise the risk of earaches and rashes. The following companies in Cayman can install and maintain your swimming pool: Oasis Pool & Spa

Pool Safety Tips for Kids As mentioned earlier, a pool is a delight for any homeowner in the Cayman Islands. But having a pool comes with serious responsibility. While pool-related tragedies are exceptionally rare in Cayman, a few have occurred in the past. Every homeowner with a pool to follow these basic safety tips: > Secure your pool with barriers: install a four-foot or taller fence around the pool, plus self-closing gates > Always supervise children when they are in or near a pool, and more importantly, always ensure that those in a supervisory role are good swimmers! > Install and use a lockable safety cover > Install pool and gate alarms to alert you when children go near the water and consider using a surface wave or underwater alarm > Make sure everyone in your family learns to swim, this includes nannies and caretakers > Keep life vests and an emergency

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,

12

patio, cabana and outdoor kitchen. Oasis can also renovate your existing pool and patio. SEE AD PAGE 159

HOME IMPROVEMENTS

Swimming Pool Trends Sky pools and transparent pools are hot new trends that are showing up in modern skyscrapers in major cities. Depending on your budget, however, there are several other types of pools you could 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 in which to relax and let supervised children play. > Plunge pools are perfect for a smaller outdoor space and a swim jet can allow 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. > 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.

>

flotation devices near the pool

> Everyone in the family (including

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

THE

A swimming pool is a wonderful addition to any home in the Cayman Islands. It offers the opportunity for countless hours of quality time with loved ones and provides great entertainment for children. It is worth noting that a pool will cost approximately CI$200 a month to maintain and add significantly to the cost of your electricity bill, however, for tips on how to run an energy efficient pool refer to the Being Green chapter.

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.

an existing pool, bringing it back to its former glory. SEE AD THIS PAGE & 158

Tell them you saw it in the

Sheer Descents and Sheer Rain Features

are water features that can be built

Âť

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

183


food 184

13

Places to Eat - Cafés, Bakeries & Bistros - Desserts & Sweet Treats - Fresh Smoothies & Juices - Vegetarian & Vegan Food - Kosher Food - Waterfront & Outdoor Dining - Dining on a Budget - Food Delivery Service - Food Trucks

186 186 186 188 188 188 188 190 190 190

Bar & Club Scene - The Bar Scene - The Club Scene - Cigar Bars - Mixology - Live Music Scene

192 192 193 193 193 193

Groceries - Grocery Stores - Farmers Markets - Buying Fresh Fish - Gourmet Food - Goods Produced Locally - Buying in Bulk

193 193 195 195 196 196 197

Beer & Wine - Local & Specialty Beer - Liquor Stores & Wine Merchants - Duty on Alcohol

198 198 198 200

Culinary Things to Do - Cooking Classes - Culinary Events - Full Moon Celebrations - Sunday Brunch - Wine Tasting & Dinners

200 200 200 201 201 201

Catering

201

184

CAYMANRESIDENT 2018

»

Photos courtesy of Chuck Gloman and Deep Blue Images.

Cayman’s Culinary Scene

FOOD & DRINK

& drink

OVERVIEW OF CAYMAN’S CULINARY SCENE

As sure as the sun shines, new eateries pop up on Cayman’s ever expanding restaurant scene year after year. But the sheer volume of places to eat on-Island is not the only draw, it is the variety of palates that can be satisfied. Sure, a grilled filet of snapper over a starchy side can be had all over the Caribbean, but if you’re looking for local cuisine that’s bold, imaginative and fresh, Cayman has few competitors in the region, if any. Cayman’s sophisticated food lovers not only look to restaurants such as the Kimpton Seafire’s trio: Ave, Avecita and Coccoloba Bar & Grill for their light, flavourful, innovative fare, but also for the ambience that the sleek, ultra modern hotel offers. But Cayman also does casual dining well, which often means enjoying simply prepared fish fries on the beaches of East End or indulging in hot-off-the-grill ribs from a food truck in George Town. Cayman’s highly anticipated food festivals kicked-off with a strong start in early 2017. For four days in January, epicureans flocked to the festivities at Cayman Cookout, world renowned Chef Eric Ripert’s famous culinary event. Crowds enjoyed cooking demonstrations, sumptuous meals, barefoot barbeques and the best wine and spirits in Cayman. Headliners such as celebrity chefs and television personalities Anthony Bourdain and Emeril Lagasse, along with other top culinary stars, made the rounds at over 40 events. Taste of Cayman, Cayman’s largest and most well attended


The place to taste.

13

FOOD & DRINK

where life blossoms

Discover over a dozen restaurants, bars and cafés on the harbour at Camana Bay. CAMANABAY.COM

»

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

185


FOOD & DRINK

13

culinary event, saw thousands walk through the gates at Camana Bay’s Festival Grounds to sample the best dishes and spirits from the Island’s top restaurants. The RitzCarlton’s elegant steakhouse Seven, took home the coveted prize for Cayman’s Favourite Restaurant. The Red Sky at Night Festival, another crowd-pleaser which took place in February, was a night rich in arts and culture, and foodies were not disappointed— hearty local dishes were on offer! Six days a week residents flock to the Market at The Cricket Grounds in George Town for fresh locally grown produce and handmade Caymanian crafts, jams and juices. Mango Season (July and August) is always bountiful, with an unprecedented variety of mangoes being available at the Market and grocery stores. The months of October and November, Cayman prepares for Restaurant Month and Pirates Week. The latter is where each district gets to dazzle locals with spreads of authentically prepared Caymanian seafood dishes, such as conch and whelk stew. New culinary events are always happening in Cayman, from full moon fêtes at Kaibo and Catch, to The Dark Night at Anchor & Den that happens every new moon. And do not miss Cayman’s famous Sunday brunches, which are an Island institution! Check www.caymangoodtaste.com for the top brunch spots in Grand Cayman. PLACES TO EAT

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. You will find details on the latest promotions on their Facebook page www.facebook.com/ caymangoodtaste. SEE AD PAGE 200

186

CAYMANRESIDENT 2018

»

New Openings Pani Indian Kitchen opened in Camana Bay to rave reviews in August 2017. One of the new Market Street Group restaurants, Pani offers authentic Indian cuisine with a focus on curry and Northern Indian fare that’s thought to be heartier and richer than Southern Indian cuisine. Also new to the Market Street family are the sunny Boggy Sand Café on a picturesque beach in West Bay and Fresh Kitchen & Coffee in West Bay Road’s popular Galleria Plaza. Directly on Seven Mile Beach with two pools that kids love to play in, Hemingways was reopened in April 2017 by the same great team that owns Ragazzi and LUCA. It is an Asian fusion restaurant serving very good food and you can eat inside, on the patio, the beach or by the pool. They also have a good kids menu. This popular beachside pool bar has become incredibly popular and it’s the current in place to meet. Cafés, Bakeries & Bistros There are fantastic cafés on the Island 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 new Kimpton Seafire Resort, for their freshly baked pastries, sandwiches, fresh salads and local fruit smoothies, pressed juices and steaming hot espresso. Call (345) 746 0000 SEE AD OPPOSITE PAGE . Cayman Coffee Exchange is the Westin Grand Cayman resort’s newest addition and serves fresh fruit, parfaits, yoghurt, housemade pastries, organic snacks and barista-crafted coffee. Call (345) 945 3800. 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 and Café del Sol, which has three locations between Camana Bay and George Town. Lola is a trendy bistro in Camana Bay with an inventive and creative daily menu for

breakfast, lunch and dinner. A selection of beers on tap and wines are available. Also in Camana Bay is Petit Paris, a delightful little French bistro that’s known for its flaky croissants, pastries, macarons, cookies, decadent cakes, all freshly baked daily. Their gourmet coffee is popular. 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 and delicious espressos and 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, cereals and gluten-free brownies. Desserts & Sweet Treats As you might imagine in a warm and humid country like the Cayman Islands, there are quite a few places where you can go and get a cold, refreshing ice-cream, milkshake, frozen yoghurt or even cake! Well-known haunts include Dairy Queen (located on the waterfront downtown) and internationally known Häagen-Dazs in Camana Bay, Bayshore Mall and on the corner of Fort Street. In the Marquee Plaza Burger Shack makes delicious milk shakes, malts and old-fashion soda floats. Also in Camana Bay is Gelato & Co. which serves authentic, homemade Italian gelato,


E AT + D R I N K Kimpton Seafire Resort + Spa is a true culinary destination, where an impressive selection of fresh, local cuisine is dished up morning, noon and night. From casual family dining to exclusive tapas-style tastings to beach and poolside noshing, you’ll make delicious discoveries each day of your stay.

AVE | AVECITA | COCCOLOBA | THE PANTRY

13

FOOD & DRINK

60 TANAGER WAY, SEVEN MILE BEACH, GRAND CAYMAN, KY1-9008 To Book: +1-888-226-4412 or Direct +1-345-746-4034 seafireresortandspa.com

»

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

187


who also use local fruits. Peachwave Frozen Yogurt in Cayman Falls Plaza is another favourite with self-serve machines and over 40 toppings. A lovely option for special occasions is The Cake Studio, a bespoke cake shop specialising in cakes for special events including birthdays and weddings. Call (345) 926 4944.

FOOD & DRINK

13

Fresh Smoothies & Juices Kirk Supermarket (Tel: (345) 949 7022) has a wide selection of freshly pressed vegetable and fruit juices. They also sell gallon-sized bottles of fresh pressed orange juice and local coconut water. Foster’s Food Fair IGA (visit www.fosters-iga.com) also sells freshly pressed juices, local coconut water plus Caribbean favourites such as Irish Moss and sorel drinks at their many locations. Jessie’s Juice Bar (Tel: (345) 949 2012) serves up cold pressed juices, all natural smoothies, house made kombucha, hot or cold brewed iced coffees and teas. They now have three locations: Camana Bay, Governors Square and South West Collective which is located on the 2nd Floor of Harbour Place in George Town. Green2Go uses fresh locally grown and organic produce to make their power-packed green smoothies. They will also deliver it straight to your door in a lovely glass jar. Email Nicholas at info@ green2go.ky to place an order. Smoothie King has locations in Galleria Plaza (SMB) and in George Town, offering fruit smoothies, protein shakes and vitamin elixirs. Greenhouse Café, across the GT waterfront sells fresh pressed juices daily. Willie’s Fresh Fruit & Juices in Red Bay, just past Hurley’s, has a roadside trailer which offers fresh seasonal tropical fruits, juices and some of the best smoothies on the Island. The Smoothie Factory, in the Marquee Plaza, offers a variety of smoothie flavours including ‘After Workout’ and ‘Tropical Squeeze’, as well as wheatgrass shots and fresh juices. The Swanky Stop at the Market at the Cricket Grounds sells fresh smoothies blended from local and seasonal fruits. Vegetarian & Vegan Food There are several great options on the 188

CAYMANRESIDENT 2018

»

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 vegan breakfast and lunch options. Try 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 is a wonderful sustainable restaurant at the Lighthouse Point Resort on NW Point Road in West Bay. It offers delicious plant based food with lots of gluten-free options. Their coconut “bacon” is a treat! Jessie’s Juice Bar in Camana Bay, George Town and Governors Square serves a range of healthy vegetarian, vegan, gluten-free and raw food options. Britta Bush, a well-known natural food vegan chef owns Saucha (sow-tcha) and delivers locally sourced, raw organic and unprocessed vegan meals to your home or office. She also brews kombucha which can be bought in all the local grocery stores and is on tap at the Kimpton. 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 have vegetarian options. In fact, there are many restaurants in Cayman that have a selection of meat and dairy-free options on their menus, such as Agua Restaurant that has an extensive vegan and gluten-free menu, The Greenhouse, near the bustling George Town harbour, that has gluten-free and vegan options, 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. Local supermarkets carry the basic national products with kosher symbols (bagels, cereals, mayonnaise, chips, canned foods and some meats etc.) Foster’s IGA SEE AD PAGE 192 and Hurley’s in particular have a good selection. The Ritz-Carlton’s

culinary team will accommodate groups or special orders if arranged 24-hours in advance. SEE AD OPPOSITE PAGE . 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 residents and visitors alike. Plus it is also possible to bring in kosher food items in your checked luggage at the airport. Visit www. jewishcayman.com for more information. Waterfront & Outdoor Dining Cayman has an enviable number of places to eat while overlooking the water. Every style of dining is catered for, from elegant high-end restaurants to more affordable options. Located at the Kimpton Seafire Resort with sweeping views of Seven Mile Beach, Ave (Tel: (345) 746 4111) offers coastal Mediterranean cuisine that features fresh, local seafood and local produce. SEE AD PAGE 187. On the George Town waterfront is Le Vele (Tel: (345) 233 8353) an upscale Italian restaurant that specialises in housemade pasta and authentic brick oven pizza. Da Fish Shack (Tel: (345) 947 8126), serves fresh local fish that is caught daily. 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. George Town offers several waterfront options: 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 Lobster Pot (Tel: (345) 949 2736) is a popular seafood restaurant with a wonderful deck that has sweeping views of the capital’s stunning harbour. The Seven Mile Beach area has an array of great restaurants with waterfront views: The Wharf (Tel: (345) 949 2231) has been around for 29 years and its talented chefs create mouth-watering international and Caribbean influenced dishes; the RitzCarlton (Tel: (345) 815 6912), has three premier waterfront restaurants including Seven, an upscale steakhouse serving


Create unforgettable memories in Grand Cayman.

13

FOOD & DRINK

Discover an unmatched collection of experiences at Grand Cayman's top luxury resort. Marvel at its culinary wonders and explore its treasures above and below the water. Call 943-9000 or visit ritzcarlton.com/grandcayman.

Âť

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

189


FOOD & DRINK

13

Niman Ranch cuts, where you can dine on the terrace with sweeping views of Seven Mile Beach; Bar Jack, a more casual beach bar located right on the beach offering world-class views and Andiamo, which overlooks the resort’s breezy waterways and serves fresh authentic Italian food. SEE AD PAGE 189 The Beach House (Tel: (345) 945 3800) at The Westin also offers deluxe views of Seven Mile Beach. SEE AD PAGE 195 Other options include the relaxed Royal Palms Beach Bar & Grill, plus their coastal Italian restaurant upstairs, Prima (Tel: (345) 945 6358) and LUCA (Tel: (345) 623 4550), another upscale restaurant on the beach serving contemporary Italian food. The newly appointed Hemingways (Tel: (345) 746 1234), is an Asian fusion eatery and pool bar directly on Seven Mile Beach. Camana Bay SEE AD PAGE 185 has four waterfront restaurants including Mizu (Contemporary pan-Asian), KARoo (popular happy hour bar with tapas), The Waterfront (American-style diner) and The Brooklyn (Italian-inspired American favourites). Abacus (sophisticated farmto-table cuisine) also in Camana Bay, has a large shaded dining area on the Paseo. 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, Sunday BBQ and a lovely breeze. bàcaro (Tel: (345) 749 4800), also in the Yacht Club, is the country’s only authentic Italian ‘tapasstyle’ restaurant and wine bar. Cracked Conch SEE AD PAGE 194 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 new Commodore Restaurant is in this area too. In Bodden Town, there is The Lighthouse in Breakers which has an outside deck with seating 190

CAYMANRESIDENT 2018

»

stretching over the sea. ‘Upstairs’ at Kaibo overlooks the beach and serves modern European cuisine and has a rare rum bar, it’s open every Thursday, Friday, Saturday and Sunday night. 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 that stretches over the calm, turquoise water. Dining On A Budget Cayman’s impressive culinary scene can also be a very expensive dining and entertainment experience. If you are looking to save some money, but still want to go out, try one of these budget-friendly Island hot spots: 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 (famous for their fish tacos and massive burgers), Carlos & Martin’s Tex-Mex Cantina, China Village, Casa 43 Mexican Kitchen and Tequila Bar, 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.

restaurants (5pm-10pm only). Fancy a liquid breakfast? Cayman Breakfast Club (www.caymanbreakfastclub.ky) delivers complete organic breakfast smoothies to your door daily. Gino’s Pizzeria (Tel: (345) 623 7777) delivers delicious, scratchmade, New York style pizzas Island-wide with free delivery to Seven Mile Beach and George Town. They also offer a glutenfree option. Visit: www.ginos.ky. Saucha delivers organic vegan meals, including raw and gluten-free desserts, snacks and house brewed kombucha. Call (345) 926 0508 or visit www.sauchaliving.com. Taste This Life delivers Caribbean-fusion meals every Friday, email jessica@taste-thislife. com for more information. For weekly lunch deliveries try Burger Shack, Island Naturals (vegan and healthy options), Full of Beans (daily lunch specials), Guy Harvey’s Restaurant and Wok n’ Roll (pan Asian). Food Trucks Al La Ke-Vroom’s brightly

Dog-Friendly Restaurants Restaurants with dog-friendly outdoor areas in Cayman include Calico Jack’s, Dukes, Café del Sol, Häagen-Dazs, Macabuca and Tiki Beach. It is always best to keep your dogs on a leash and properly anchored under your table. Most restaurants are happy to provide a dish of water.

coloured mobile truck can be seen doing the rounds around George Town and West Bay and offers a huge menu with plenty of healthy options. Visit www.kebab.ky for details on where to find them, seven days a week. Smokin Bros offers meaty dishes such as Smoked Baby Back Ribs, Brisket, Pulled Pork and more. Check their Facebook page for details. Gabriel’s Grill brings ‘farm-to-street’ to Dorcy Drive in George Town and also serves favourites such as their Lobster Mac & Cheese, Portabello Mushroom Burger and BBQ Chicken. 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.

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, the Fine Dine-In (Tel: (345) 623 3463) service delivers food and wine to your door from over 25

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 servers’ 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


13

FOOD & DRINK

WORLD CLASS, LOCALLY. »

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

191


little more for particularly good service or larger dining groups. There is no tax added to a food bill in the Cayman Islands, as in many other countries around the world. BAR & CLUB SCENE IN CAYMAN

The Bar Scene Cayman’s bar scene changes rapidly. 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 with the well-heeled. Calico Jack’s (SMB) is a casual beach bar with a live DJ on Saturdays and full moon parties. Coconut Joe’s (SMB) has an open-plan bar and

13

is a good spot to catch sports games. Coccoloba Bar & Grill at the Kimpton Seafire (SMB) is part street taco joint, part beach hut where you can pair expertly mixed margaritas

FOOD & DRINK

and icy cocktails with fresh tacos and tostadas. Craft F&B Co. (SMB) is a popular gastro-pub with the Island’s largest list of craft beers on tap and in a bottle. Great hearty eats. Hemingways (SMB) is massively popular on Friday nights and the weekend. Kaibo Beach (North Side) offers a great menu and their famous Mudslide! Caribbean 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. King’s Head (Camana Bay) is a Victorian themed pub with a friendly vibe. Legendz (SMB) has a bar with comfortable booth seating and lots of big TV screens. Lone Star (SMB) is a bustling, Texas-style bar, popular with divemasters, the 20+ crowd and tourists. Live music and TexMex food. Macabuca (WB) is a relaxed bar overlooking the sea. Monday night Caribbean BBQ, CI$17 all you can eat from 5.30pm. 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. My Bar at Sunset House (GT) is a relaxed oceanfront bar just south of George Town. The perfect place to watch the sunset. 192

CAYMANRESIDENT 2018

»


The Ritz-Carlton (SMB) gets busy late (after 10pm) on Fridays at the upscale Silver Palm Lounge with a sophisticated over 30 crowd. You can also grab some sushi and saké (their authentic Japanese saké list is the largest on Island) or even a martini at Taikun, Cayman’s first and only gourmet sushi restaurant. SEE AD

is a great place to stop in. They have two locations: their cigar lounge in Caribbean Plaza (with a non-smoking section) or the more informal bar in the West Shore Centre. Both locations have an admirable humidor selection and an in-house torcedor (cigar roller).

Havana

or UFC match, Cayman is not short of good sports bars. Legendz, Coconut Joe’s, Craft F&B Co, Fidel Murphy’s, Whiskey Mist, Salty’s and Lone Star, all feature the games on big screens with great food, comfortable seating and good service. GROCERIES

PAGE 189

Royal Palms (SMB) is a large seaside venue with cabanas and a swimming pool right on the beach. Music every night. Fridays are popular. South West Collective (GT) is a trendy spot, with board games, vintage foosball and darts. A great selection of beers, wines and cocktails. Tiki Beach (SMB) features a Polynesian-style bar on the beach that serves cocktails. 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. Whiskey Mist (SMB) is an Irish pub with an excellent range of drinks and traditional Irish food. Weekly quiz and live music events.

Barolo Lounge (SMB) is an intimate lounge that’s a great spot for dancing on a Friday night.

Grocery Stores If you have ever been in a large US or Canadian grocery store, Cayman’s stores are very comparable. They carry most major US and Canadian brands, as well as USDA certified meats, UK brands such as Tesco and Waitrose, lots of fresh fish, shellfish, meats and a variety of fresh vegetables and fruit and local foods and produce. All of the supermarkets carry organic products, however fresh organic fruit and vegetables produce from the US have to travel far to get here, unlike locally grown produce. The supermarkets sell very good meat, but the freshness of some cuts of fish tend to sometimes vary between different stores. So, do not be afraid to ask when the fish came in and which is the freshest. Bay Market is a division of Foster’s Food FairIGA and is located on Market Street in Camana Bay, Tel: (345) 815 1080. It is open Monday to Saturday 7.30am-7pm. A gourmet speciality food store with a focus on organic items, Bay Market offers a wide selection of organic fresh produce, meats, frozen foods, dry goods and luxury food items, plus the Island’s largest

Lillies (SMB) is a sophisticated late night lounge

Live Music Scene The Island is not lacking when it comes to live music. Many of Cayman’s restaurants feature great local bands that play under the stars while you dine. The best venues to catch live music are: Abacus, Deckers,

and nightclub located above Whiskey Mist in

George Town Yacht Club, Grand Old House,

for lunch or dinner on the run. It is similar to a

the Strand Shopping Centre.

Barolo Lounge, Havana Club, Kaibo, Royal

smaller version of a Whole Foods in the US.

Note: Cayman observes a day of rest on

Palms, Bar Jack and Silver Palm Lounge

SEE AD OPPOSITE PAGE

Sunday, so bars and restaurants stop serving

The Ritz-Carlton, 5 O’Clock Somewhere

alcohol at midnight on Saturday. Also, smoking

the Margaritaville Resort, The Wharf, Tortuga Beach Bar at the Westin Beach Resort & Spa and Whiskey Mist.

O Bar (SMB) is a popular nightlife spot. The first floor features a bar, corner couches and nooks. The upper level bar has a lounge-like atmosphere. There is a live DJ every night and an ‘infinity’ happy hour on Friday nights.

indoors is banned in all bars, restaurants and public places. The exception is cigar bars.

at at

selection of international cheeses, an antipasto and olive bar, as well as a coffee, freshly squeezed juice and breakfast bar. They also sell freshly made sandwiches, hot food, madeto-order salads and grab-n-go items perfect

Foster’s Food Fair - IGA: Foster’s has five locations: Airport Centre, Tel: (345) 949 5155; The Strand, West Bay Road, Tel: (345) 945 4748; Republix Plaza in West Bay, Tel: (345)

Cigar Bars For the perfect casual cigar scene and a wonderful range of quality cigars, Club

Catching ‘The Game’ Whether you are looking to catch a football, rugby, cricket, tennis, hockey

949 3214; Countryside Shopping Village in Savannah, Tel: (345) 943 5155 and opposite Morritt’s Tortuga Club in East End, Tel: (345)

»

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

193

13

FOOD & DRINK

The Club Scene Grand Cayman is a small island, so there are only a few clubs of note, making these hotspots very busy. There are also a few lounges that have dancing and live DJs. Always be careful at night, particularly when visiting unknown night spots.

Mixology Cayman has seriously, talented award winning mixologists that are pushing the envelope every year. Having a drink in Cayman is no longer about downing highballs full of rum and coke, although that’s not bad either! But life behind the bar is becoming more about mixologists expressing their creativity, many choosing to infuse drinks with local farm-to-table fruits and herbs. And of course with so many hot spots to choose from, the competition grows every year as mixologists strive to meet the demands of some of Cayman’s most eclectic and sophisticated cocktail connoisseurs. Try Anchor & Den for their 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 and The Ritz-Carlton’s Bar Jack for the creamiest Piña Colada and first-class sunset views over Seven Mile Beach.


947 2826. All locations are open Monday to

Hurley’s Supermarket is located at Grand

brands. They are also the exclusive retailer

Saturday 7am-11pm, except the East End

Harbour Shoppes, Red Bay, Tel: (345) 947 8488

for Tesco products on-Island. Kirk Market’s

branch, which is open Monday to Thursday

and is open Monday to Saturday 7am-11pm.

produce department features a diverse range

7am-7pm and Friday and Saturday 7am-9pm.

They are well known for their fresh fruits and

of quality fruit and vegetables from both

All locations are open from 9am-6pm on public

vegetables, and some are organic. They have

local and international farms. You will also

holidays and closed on Sundays.

an excellent deli bar with an exceptional variety

find a full-service butcher counter, a bakery,

Foster’s is well-known for their fresh produce,

of freshly made cold options and loads of hot

a gourmet deli that features a chef-inspired

meat and fish, locally produced goods, natural

meal items daily. We have been told that it is

Mediterranean bar and a delicious hot bar and

and organic products and a wide selection of

so popular that people will drive out of town

salad bar. Kirk Market is also home to Kirk

IGA and President’s Choice products, which

to collect lunch from there. Hurley’s offers

Pharmacy which can be reached by calling

offer quality at great value. Foster’s is also

catering services and specialty cake orders.

(345) 949 7180. SEE AD PAGE 7

the exclusive distributor of Waitrose products

They now offer online shopping for either

from England. Although their stores are similar

pickup or delivery at www.hurleys.ky.

in format, their largest store at The Strand Kirk Market is located between George Town

selection of organic and speciality products. The

and Seven Mile Beach on Eastern Avenue,

Strand store also has great choices for tourist

Tel: (345) 949 7022 and is open Monday to

who prefer the convenience of purchasing a

Thursday 7am –10pm and Friday and Saturday

prepared meal for lunch, dinner or a beach day.

7am-11pm. Visit www.kirkmarket.ky or ‘like’

People from England might like to know that at

them on Facebook. Kirk Market offers a wider

Christmas time Foster’s brings in mince pies,

selection of gourmet, natural, organic, gluten-

Christmas pudding, brandy butter and other

free and more special dietary foods than any

traditional treats which get snapped up quickly!

other grocery store on-Island. In addition to

SEE AD PAGE 192

these specialty categories, you will also find an extensive offering of well-known grocery

FOOD & DRINK

13

on Seven Mile Beach provides the largest

International Groceries If you can’t find the Asian ingredients you need in one of Grand Cayman’s supermarkets, you should try Oriental Market located opposite Anderson Square in George Town. They stock a wide range of dry and canned pan-Asian goods from China to Thailand. Open MondaySaturday 9am-5pm and Sundays 10am12pm. Tel: (345) 949 1109. Find their second location in Pasadora Place. Open on Monday-Saturday from 1pm-8pm. Tel: (345) 947 6000.

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 194

CAYMANRESIDENT 2018

»


Farmers Markets The farmers markets in Cayman are not only perfect for buying flavourful homegrown (and mostly organic) produce at the peak of its freshness, but they are a wonderful place to meet local farmers and people who are passionate about knowing the provenance of their food. Get to the markets early to snag the best produce.

Monday to Saturday from 7.30am until 6pm. Located on Huldah Avenue next to the cricket pitch in George Town, we recommend you get there before 8am on Saturdays. You can buy fresh local fruits, vegetables and herbs, fresh caught fish, all natural meats and eggs, as well as sample traditional Caymanian cuisine. Purchase unique souvenirs and gifts, hand-made crafts, traditional straw work, preserves, sauces, seasonings, paintings,

Farmers & Artisans Market

natural beauty products and jewellery made

Discover an array of local purveyors offering

with shells or the precious Caymanite stone.

products and experiences found only in

Stop for a chat with farmers and artisans for

Cayman at Camana Bay’s weekly market.

ideas on what to do with your fresh produce

Make sure you go early for the widest selection

and fuel your creativity at home – a great way

of fresh produce and farm goods then browse

to kick start the weekend.

an eclectic selection of artisanal products and handicrafts. The festivities pick up throughout

Green Market at Plantation Organic Garden

the evening as more artisans join and the

On Sunday you can buy fresh organic produce

Market comes alive with entertainment,

directly from the field and even pick them

including art and cultural demonstrations and

yourself at Plantation Organic’s Green Market

live music. Wednesdays 12pm-7pm, The Paseo.

on 35 Doubloon Drive, off Shamrock Road, Bodden Town. You can also purchase this farm’s fresh produce weekly from the Camana

This vibrant and lively market is open every

Bay and the Market at the Cricket Grounds.

Grand Cayman’s Most Unforgettable Beachfront Setting. The Beach House is The Westin’s signature restaurant, featuring modern American cuisine with influences from the Caribbean, the Mediterranean and Asia, brought together in a celebration of flavors in one of Grand Cayman’s most inspired beachfront settings. Ask about the “Toes In The Sand” experience! Open 6:00 pm – 10:30 pm

Westin Grand Cayman Seven Mile Beach

345.945.3800

WestinGrandCayman.com/Dining

»

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

195

13

FOOD & DRINK

Market at the Cricket Grounds

Buying Fresh Fish Another wonderful benefit living in Grand Cayman is that 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 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. Ask to look in their coolers, as that is where they usually hide the largest, tastiest fish! 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.


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), Heritage Kitchen (West Bay), Kurt’s Korner (North Side) and Vivine’s Kitchen and Eastern Star Bar & Grill (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 absolutely sinful.

Great wines No retail outlets Cellar Prices Interesting wines from around the world

FOOD & DRINK

13

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). Gourmet Food Despite being a small Island there is a wide selection of gourmet foods and fresh dishes to choose from. Bay Market As mentioned under grocery stores, Bay Market (Tel: (345) 815 1080) in

Wines for everyday drinking and special occasions

Camana Bay offers a wide selection of organic food, as well as gourmet

Free delivery island-wide

(all organic) and their cheese display is beyond impressive! They even sell

Other services include shipping and Customs clearance of private collections to Cayman and storage in our climate controlled cellar.

and non-organic produce. In the ‘luxury’ range, they sell wonderful things like jams, olives, sauces, spices, interesting fruit and vegetables fresh, organic dog food. SEE AD PAGE 206 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. SEE AD PAGE 7 Icoa Fine Foods Icoa in the Seven Mile Beach Shops is a great place to enjoy a family friendly breakfast, lunch or dinner. Try the freshly baked artisan breads and pastries from their bakery or use their catering services for a special event. Tel: (345) 945 1915. The Tasting Room Sells Italian olive oil, balsamic vinegar and honey. On request, they will prepare gourmet picnics filled with wine and amazingly delicious food. Located in the Caribbean Plaza on West Bay Road. Tel: (345) 322 4925.

Goods Produced Locally Tortuga Rum Company (Tel: (345) 623 7701) manufactures wonderful rum cakes that you can watch them make. Cayman Spirits Co. (Tel: (345) 925 5379) produces locally distilled Seven Fathoms Rum which is matured seven fathoms underwater! 196

CAYMANRESIDENT 2018

»


Their distillery produces nine different types of rum as well as other spirits. Call for a tour of the 5,000 sq ft facility or email: walker@rum.ky. They have just opened Outpost at Pedro Castle where they offer daily rum tastings. Cayman Sea Salt (Tel: (345) 943 7258) sells their locally produced sea salt in most supermarkets, gift shops and at the Pure Art Gallery. Cayman Islands Brewery (Tel: (345) 947 6699) produces eleven locally brewed beers which people can sample at their factory in Prospect. Kombucha tea is brewed on Island at Jessie’s Juice Bar (Tel: (345) 949 2012) and by Elizabeth Chisholm (Tel: (345) 916 4759) who can deliver a range of flavours, including decaf varieties, straight to your home or office. Email: kombuchabyelizabeth@gmail.com. Saucha (Tel: (345) 926 0508), a vegan food company, delivers a variety of house brewed kombucha in two bottle sizes. 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 delicious Gourmet Pepper Jelly that can be bought at supermarkets and select gift shops on Grand Cayman and Mary Lou’s liquor shop in Cayman Brac. Check her out at www.caymanpepperpatch. com. Sticky Toffee Pudding is a delicious Island speciality made locally and can be purchased from Foster’s IGA Grocery Stores. From April to October, Hank Ebanks can be found on the roadside outside the Mango Tree restaurant selling live white land crabs. The Farmacy (Tel: (345) 327 8852) grows and delivers fresh, seasonal produce twice a month. Their fresh veg boxes cost $35 and contain a mixture of locally grown vegetables, fruits and a dozen eggs all delivered straight to your door.

13

FOOD & DRINK

Buying In Bulk Buying in bulk in Cayman is a great way to save both time, money and the environment (due to less packaging). The following stores also carry canned and dry goods (which are 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 appliances, ice chests, personal care products, musical instruments, televisions and other electronics, plus well priced office supplies. Cost-U-Less: (Tel: (345) 745 5377) is located in Governors Square off West Bay Road and is open Monday to Saturday 8am-9pm and on public holidays 8am-6pm. 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

»

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

197


located adjacent to the West Bay Foster’s store (Republix Plaza), open 7am-11pm, Monday-Saturday. Reflections Food 4 Less has two locations: MacLendon Drive (near the airport) (Tel: (345) 949 3797) which is open seven days per week, 24 hours a day and their second location on Godfrey Nixon Way (Tel: (345) 947 3663) is open Monday-Saturday from 7am-7pm. They both sell drinks, frozen food, dry and canned goods in bulk and individual sizes. 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 number of beers produced locally and a range of international and craft beers served at a number of Cayman’s restaurants, a few of which are listed below: Cayman Islands Brewery Ltd. (Tel: (345) 947 6699) produces eight regular beers locally and three seasonal beers: Caybrew, a full-bodied premium lager; Caybrew Premium Light, a premium light beer with only 110 calories; Ironshore Bock, an amber beer brewed with specialty hops and malts to 7% ABV; 345 Stout, a chocolate and roasted coffee flavour; Nitro Stout, a sweet nitrogenized chocolate stout with lower alcohol; Shellshock IPA, a light golden ale; Belgian Ale is on draft with notes of citrus; White Tip Lager, a moderate bodied pilsner lager, for which part of the profits are donated to Cayman Marine Conservation. Seasonally, they produce craft beers: Twisted Citrus, fresh orange and grapefruit notes; Mango Tango, light, tropical mango with a hint of coconut and Pirate’s Gold, an amber lager that is available in time for the Pirate’s Week celebrations. A really seriously impressive company doing great things with beer! 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 bottle beers include an ever changing list of products from North America, Europe and the popular local beers from Caybrew. Craft Food & Beverage Co. (Tel: (345) 640 0004) offers, as the name suggests, an exceptional choice of craft beers and drinks from around the world. The beer menu features 13 beers on tap ranging from local and international selections and boasts the largest selection of craft beers on-Island.

FOOD & DRINK

13

Liquor Stores & Wine Merchants BlackBeard’s and Big Daddy’s liquor stores have seven locations, with most of them open until 10pm. Call (345) 945 2222. Blackbeard’s flagship store is in Grand Harbour, 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. SEE AD OPPOSITE PAGE Jacques Scott has five wine and liquor stores and the largest duty free store at Owen Roberts International Airport. The flagship 198

CAYMANRESIDENT 2018

»


13

FOOD & DRINK

»

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

199


FOOD & DRINK

13

store on Shedden Road holds the largest selection of beers, wine and liquor to suit all budgets and offers free delivery to your home or office anywhere on Grand Cayman. Call (345) 949 0277 or visit www.jacquesscottonline.com. SEE AD PAGE 197 Tortuga Fine Wines and Spirits is family owned and operated since 1984, with at least ten liquor store locations. 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. SEE AD PAGE 196 West Indies Wine Company is both a

tasting room and an inspired shop, as it engages guests with a curated selection of 80 different wines by the glass – served at the perfect temperature via state-of-the-art Napa Technology Wine Stations. Gather for an informal tasting with the in-house sommelier or use your personal smart card to serve yourself. The only full service liqueur store open on Sundays. Tel: (345) 640 9492 or visit www.wiwc.ky. SEE AD PAGE 198 In 2017, 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, LUCA, Ragazzi, Beach House, Calypso Grill, Catch Restaurant and Ristorante Pappagallo.

per litre. This means that over a third of the average retail price of CI$30.99 for a litre bottle of Appleton VX rum consists of duty. Duty on wine is CI$3.60 per litre; champagne is CI$10.85 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. Read on to learn more! Bon Vivant (Camana Bay) Tel: (345) 623 2665 Email: info@bonvivant.ky www.bonvivant.ky

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

Bon Vivant’s lively cooking classes focus on quick, healthy and delicious dishes that everyone can enjoy. Classes are themed and you can enjoy your creation with two glasses of wine paired with your meal. They also offer private classes for a minimum party size of 14. Kids classes are also available. SEE AD PAGES 168 & 257

GOOD TASTE

Saucha Tel: (345) 926 0508 Email: britta@sauchaliving.com Offers private and group cooking lessons

GET THE INSIDE SCOOP ON CAYMAN’S CULINARY SCENE BARS RESTAURANTS EVENTS

*

Browse the magazine, read the special features, admire the photography and choose your next dining experience

*

Go online for full menus, restaurants that deliver, promotions, reservations, reviews and much much more...

‘Like Us’ and join 1000s of others for Cayman’s culinary gossip, the latest news and last minute deals

across the Island, with a focus on vegan food using local ingredients.

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. Cayman Cookout The Caribbean’s most respected culinary event, hosted by Chef Eric Ripert and an incomparable roster of world-famous chefs such as Anthony Bourdain, sommeliers and mixologists at The

Another really useful guide from Acorn Publishing (345) 946 3200 | info@acorn.ky | www.caymangoodtaste.com

Ritz-Carlton in Grand Cayman. Events include culinary demonstrations, tastings and dinners celebrating the Cayman Islands. 11th-14th January 2018. Visit www.caymancookout.com.

200

CAYMANRESIDENT 2018

»


Wine Tasting & Dinners Restaurants host wine dinners in Cayman often with prix fixe menus. Check www. facebook.com/caymangoodtaste and the www.explorecayman.com/event-calendar.

The Flavour Tour (Camana Bay)

International Wine & Food Society

Tel: (345) 640 9492

Cayman’s branch of the IWFS was first

The Flavour Tour is a guided dining adventure

chartered in 1987 and they now have just over

featuring local ingredients presented in the

100 members. They host between six and eight

signature styles of the restaurants of the Town

events a year, including wine tastings, dinners

Centre. Start the evening with bubbles at West

with special menus at local restaurants and

Indies Wine Company for a taste of one of the

cooking demonstrations. They also have a wine

Westin Wine Dinners

shop’s 80 vintages. For more information, visit

inventory that allows members to enjoy wines

Tel: (345) 945 3800 ext. 6017

camanabay.com/flavourtour.

not readily available in Cayman. Membership is

www.westingrandcayman.com/dining

by invitation from another member only. Visit

Wine events are held several times per year

www.iwfs.org/americas/cayman-islands.

and the dinners feature gourmet cuisine with

Taste of Cayman Food & Drink Festival

superb wines. Reservations are essential.

From small beginnings, the festival has grown to showcase the latest and greatest of food

Slow Food South Sound

and drink in Cayman. Foodies gather in the

Cayman’s chapter of this international culinary

The Tasting Room

thousands to experience classic local cuisine

group based in Italy promotes the use of local

Caribbean Plaza, West Bay Road, SMB

and new, refreshing tastes from further afield.

and sustainable food, the preservation of local

Tel: (345) 322 4925

In addition to delicious culinary offerings,

food cultures and the enjoyment of dining in a

Offers fantastic wine and food tasting evenings

festival-goers can enjoy live music, chef

convivial setting. The group has over 10 events

by reservation only.

demonstrations and fireworks. Saturday 27th

per year. Annual events include Slow Food Day,

January 2018. Visit www.tasteofcayman.org.

Terra Madre (Mother Earth) Day and Slow Food

Wine School 3

Culinary Week. CI$150 per couple per year.

Unit 3, Paddington Place, Godfrey Nixon Way

Email: slowfoodcayman@gmail.com for info.

Tel: (345) 938 0458

Soul Food Family Supper Club

wine club at a different location each month

This popular social club which is part dinner

with the aim of bringing wine lovers together.

party, part restaurant, is where local foodies,

They discuss noteworthy happenings in the

families with children and Cayman’s culinary

wine world, try unique new wines and learn

stars and top chefs come together to

from leading Sommelier and international

celebrate their love for food. The Club hosts

judge, Christian Esser.

several events throughout the year at private residences and unique locations on-Island. Visit www.soulfoodiesupperclub.com.

Sunday Brunch in Cayman Restaurants are buzzing on Sundays between the hours of 11.30am-3pm. They offer an impressive feast including fresh seafood, breakfast favourites, sushi, amazing desserts and unlimited bubbles. Popular choices include: LUCA where reservations are a must, Anchor & Den at the Marriott Beach Resort, The Ritz-Carlton (reservations also essential), Ferdinand’s at the Westin, Agua, Craft, Mizu and Blue Cilantro. For a casual vibe with affordable prices, try the BBQ Brunch at KARoo and China Village for their Dim Sum. Catch serves a Saturday and Sunday brunch. The Lighthouse serves a Mediterranean-style brunch at a very reasonable price.

Catering If you are hosting a party or large scale event, there are a great selection of caterers to choose from, but the most established caterer in the country is Mise en Place. It’s owned by award winning chef Sean Collins. Mise en Place Tel: (345) 623 2433 Email: info@catering.ky or www.catering.ky Services include: dinner parties, personal chef

service,

weddings,

special

event

catering, cocktail parties, boardroom lunches, continental breakfasts, corporate socials, mobile bartending service and boat charter

THE

Food & Wine Societies Many food societies around the world operate from secret locations that shun ‘outsiders’. A few old world societies even have a male-only membership such as those found in San Sebastian, Spain. In Cayman, food societies are far less cloak and dagger and are open to everyone! Below are a few well-known organisations. Some however do require new members to be recommended by an existing member.

Wine School 3 hosts a members-only monthly

catering. They also have three exclusive event sites. SEE AD PAGE 191

Tell them you saw it in the

»

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

201

FOOD & DRINK

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 contemporary menu on a torch-lit beach with live music. Cayman Ferries operates from Camana Bay to Kaibo for US$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, one of Cayman’s oldest restaurants has an extensive outdoor patio for moon viewing. The Cracked Conch & Macabuca on North West Point Road in West Bay has an outstanding oceanfront location for moon gazing, complete with wonderful food.

13


green being

Photos courtesy of Deep Blue Images, DRCL/Camana Bay and John Molyneux.

Ways to live a greener lifestyle at home, at work and when getting around, plus how you can get involved with green community groups.

BEING GREEN

14

202

Being Green in Cayman

202

Landfill Site

203

Recycling Locations

203

Local Produce

203

At Work

204

At Home - Cleaning Products - Reduce, Recycle, Reuse & Refuse - Household Appliances

204 204 205 206

When Building

206

Powering your Home - Solar Power - Home Energy Storage - Solar Farms

207 207 207 208

Getting Around - Environmentally Friendly Fuel

208 209

Swimming Pools

209

Get Involved in the Green Community

209

CAYMANRESIDENT 2018

»

C

ayman has made huge progress in the green movement over the past few years, and in 2017 the government made a big decision regarding the future of this endeavour. The government unanimously approved a bill, passing the National Energy Policy into law. The NEP aims to make Cayman achieve 70% renewable energy by 2037 and significantly cut total CO2 emissions by 2030 (from 12.3 to 4.3 metric tons per capita). Not only will 70% renewable energy create energy security and save millions in imported diesel supplies, but it will also reduce air pollution and combat the threat posed by climate change (a threat which could be especially destructive to a small flat island like Cayman). The 2017 opening of Bodden Town’s 22-acre solar farm marked the first stage of this transition. The facility, run by Entropy Cayman Solar, now produces 5 megawatts of Cayman’s approximately 100 megawatt demand. The energy generated by the 20,000 solar panels is sold to CUC and interconnects with the national power grid, powering the equivalent of 800 homes. Following the success of the farm, the Electricity Regulatory Authority (ERA) will begin considering approvals for other solar farms. Meanwhile, Health City Cayman is building a 4-acre, 0.75-megawatts solar array to power the hospital and will become the first generator of energy not linked to CUC. Cayman developers have been leading the green movement for years, specifically Camana Bay, whose Forum Lane became the first building in the Caribbean to be awarded the prestigious


‘gold’ LEED certificate, closely followed by Nexus Way and the Kimpton Seafire which was certified ‘silver’. As awareness grows in Cayman, more locals are opting to build LEED certified homes. These energy efficient buildings use less water and energy, which is advantageous in Cayman due to the high cost of utilities. Environmentally-friendly vehicles and fuels are also on the rise. Cayman Automotive’s John Felder has been extremely successful in his mission to grow Cayman’s electric vehicle fleet, so much so that in 2017 he even began exporting the vehicles to Cuba. In Cayman, drivers of electric cars are celebrating the abundance of charging stations opening around the Island (see page 209)! There are also now green fuel options for non-electric vehicle owners provided by the Refuel gas station. Launched in 2017, the station sells environmentally-friendly fuels with high octane levels and at lower prices. LANDFILL SITE

LOCAL PRODUCE

The availability of locally grown produce on the Island has increased exponentially; however, the vast majority of our food is still imported to meet the needs of Cayman’s growing population. As local agribusiness expands, it is hoped that Cayman will become less reliant on certain imports, thus reducing our overall carbon foot print. Nevertheless, there are limitations such as underfunding, the reduction of arable land due to rapid development, and the increasing diversification of tastes, which makes it unlikely that local supply could ever solely meet the demand. The good news is that the produce that is grown locally (depending on the season) includes a wide variety of food such as: mixed lettuce, herbs, kale, tomatoes, pumpkin, eggplants, butternut squash, cucumbers, plantains, callaloo, sweet and sour sop, mangoes, watermelon, papaya, limes, passionfruit, breadfruit, tamarinds

RECYCLING LOCATIONS: ALUMINIUM CANS

❑ ❑

Camana Bay Recycling Centre

❑ ❑ ❑ ❑

Some public and private schools

All supermarkets including Foster’s Food Fair-IGA, Kirk Market and Hurley’s

Government Administration Building North Side Civic Centre, North Side All five District Parks

GLASS RECYCLING

❑ ❑ ❑

Camana Bay Recycling Centre

All 5 Growing Communities District Parks

All Foster’s Food Fair-IGA locations Kirk Market, George Town

PLASTIC RECYCLING (#1 &2)

❑ ❑ ❑

14

All Foster’s Food Fair-IGA locations Kirk Market, 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, Cost-ULess, 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

ELECTRONIC WASTE

Deliver to the DEH Landfill public dropoff, call Recycling Services (Tel: (345) 547 6654) or JUNK Removal and Recycling (Tel: (345) 325 5865) for stripping and recycling in the US

BOOKS & OLD CLOTHING

Drop off at the Humane Society, New For You charity shop or the Red Cross

VEGETABLE & YARD WASTE

Drop off at DEH Landfill (they will mulch it) or start your own compost

TYRES, OIL & CHEMICALS

»

Drop off at DEH Landfill

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

203

BEING GREEN

The government have faced widespread criticism for the slow progress on what many regard as one of the most pressing problems for the community – the George Town landfill. The 80ft pile of rubbish is seen by thousands of 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 area. With 60,000-80,000 tons of solid waste added to it annually, the landfill is predicted to reach capacity in the next 5-6 years. Yet 2017 has brought about many improvements for the landfill. The government have conducted numerous investigations over the years on how to tackle the landfill site and improve waste management, but their latest plan, the Integrated Solid Waste Management System (ISWMS) appears to be going ahead. The government have approved the Outline Business Case (OBC) for the 25year ISWMS project and the procurement process is now underway.

The goal of the ISWMS is to reduce the amount of waste ending up in the landfill by 95% of current landfill amounts. The system will include new waste-collection arrangements island-wide, enhance wastereduction and increase the reuse of bulky waste such as old furniture. Segregated areas will be established around the landfill for composting, materials-recovery and waste-to-energy facilities. The George Town landfill will be closed and covered and a new landfill will be created in George Town for waste that cannot be reused, recycled, recovered, composted or burned. Bids have been considered for a publicprivate partnership to operate the system following the recommendation of the OBC. They hope to attract an experienced overseas company with a record of building, implementing and operating an ISWMS while retaining a measure of government control. The contractors will run the garbage collection services and remediate the current landfill with a focus on composting, recycling and waste-toenergy operations. The successful company should be announced in late 2017.


BEING GREEN

14

and root vegetables. All this can be bought from the Market at the Cricket Grounds next to the cricket pitch in George Town (Monday - Fridays from 8.30am and Saturdays from 6.30am) and from the Weekly Farmers & Artisans Market at Camana Bay on Wednesdays from 10pm. While you will need to go early to get choice selections, you will be rewarded with fresh, local (and even organic) produce that has been allowed to ripen naturally and is grown in a sustainable way. Local supermarkets, particularly Kirk Market and Bay Market are stocking a large selection of local produce, much to the delight of those residents unable to make it to the farmers markets. There are also a number of little stalls dotted around the Island that sell fresh local produce, such as Tony, who 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, who sells fruit, vegetables and eggs produced at his farm (The Farmacy). Find him just south of the North Side gas station on Frank Sound Road or sign up for his farm fresh veg boxes for $35 and have his produce delivered right to your door. Soon you may be able to purchase local goat’s meat and cheese from the newly-opened goat farm on Cayman Brac. In the Food & Drink chapter you will find details of other goods produced locally such as eggs, honey, rum cake, sea salt, pepper jelly and much more. Grow Your Own The other option is to grow your own fruit and vegetables. There is a whole range of fruit and vegetables you can grow, from tomatoes, leafy greens, herbs and 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 keep an eye out for pests. You can pick up seeds or baby plants from any of the nurseries on-Island, plus soil, organic pesticides and gardening tools. See the Shopping chapter for a list of garden centres. 204

CAYMANRESIDENT 2018

»

Sea Sense Programme Although fresh, locally caught fish can always be bought from the fishermen on the GT waterfront next to Cayman Cabana, few people realise that their choices have a direct impact on the vital health of our marine environment. By making sustainable choices you are helping to preserve the diversity of marine life that live and breed in our waters for future generations and for the tourism dollars that they bring in from divers wanting to see them. The Cayman Sea Sense programme was set up to help consumers make responsible seafood choices when eating out at restaurants. The project also helps restaurants reduce the number of non-sustainable seafood items on their menus. Look for the certified Cayman Sea Sense icon on menus for help in choosing sustainable seafood options. For a full list of participating restaurants and information on responsible seafood choices, see the Cayman Sea Sense page on www.nationaltrust.org.ky. Some good choices include locally caught lionfish, yellow tail snapper, mahi mahi and locally farmed tilapia. Please avoid buying and eating the endangered local grouper at all costs. They are worth far more alive! Shopping Green When grocery shopping take canvas bags instead of paying 5¢ for a plastic bag that will probably go straight in the bin at home. Most of the supermarkets sell organic food, though the quantity and variety varies widely from store to store. Some, like Kirk Market on Eastern Avenue, Bay Market in Camana Bay and Foster’s at the Strand, have grasped the organic concept and sell a wide selection of both locally grown and imported organic produce, as well as organic meats, frozen food, gluten-free organic 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 will find in many homes and offices. Or 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. Drinking this and not relying on buying imported bottled water is a very easy ‘green’ step. For those who like to drink beer, the Cayman Islands Brewery produces an array of locally brewed beers. They recycle their glass bottles, spent grains, yeast and water. They also encourage individuals and bars to return empties for a CI$2 refund per case, which is very encouraging. 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. AT WORK

Take these steps to ensure your work environment is greener: turn off lights, computer monitors and the air conditioning when you leave the office at night; only print when necessary; collect office newspapers and take them to the Humane Society; recycle your printer cartridges. Cartridge Smart (Tel: (345) 343 4313) will recycle and refill any printer cartridges, from small personal printers to large professional copiers. Kirk Office (Tel: (345) 623 5475) sells an array of recycled products including paper, pens, pencils and environmentally-friendly cleaning 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, fax machines. Also, encourage your employers to install JUNK recycling bins at your office. JUNK will assist you to install a programme that is tailor-made for every workplace, large or small. AT HOME

Regardless of whether you own your own or are renting a home, making environmentally sound choices helps to reduce the impact of living on a fragile island. Cleaning Products All major supermarkets in Cayman stock a


range of environmentally friendly cleaning products. These green products are made up of natural ingredients which are nontoxic, free of phosphates, fillers, fragrance, chlorine, dyes and NPE. They are not tested on animals, nor do they contain animal additives. The really eco-friendly ones avoid wasteful packaging and their containers are biodegradable. These products clean just as well as products that contain harsh nonbiodegradable chemicals and are far better for the septic tank systems that most homes in Cayman have. Bay Market, Foster’s and Kirk Market lead the market in supplying safe cleaning products.

Recycling The Department of Environmental Health

have taken over the Island’s recycling effort, filling in until the longterm contract for the Integrated Solid Waste Management System (ISWMS) is confirmed. The DEH have since diverted more than 156,528 pounds of plastics, cardboard/paper and aluminium away from the George Town landfill. They operate six recycling depots all across Cayman (see table on page 203 for locations). There are separate bins for a) paper and cardboard, b) PET and HDPE plastics (#1 and #2), c) metal food cans (tin and aluminium), d) glass bottles and ceramic dishes, as well as blue collection tubes for household batteries. Once collected, the materials are transported to the recycling building at the landfill,

(DEH)

glass away from the George Town landfill! JUNK also recycles what it can from old household appliances including refrigerators, air conditioners and computers. If you have a large amount of waste, you can call JUNK and they will always remove whatever is recyclable. JUNK Recycling and Removals can be reached at (345) 325 5865, email: manager@junk.ky or www.junk.ky. Dart has also partnered with JUNK to make recycling more convenient by providing recycling drop-off depots at six new locations across the Island. The public is now able to drop-off their plastics, aluminium and glass at receptacles in five Growing Communities district parks in Grand Cayman, as well as the Seven Mile Public Beach. Desalination Home owners in the Cayman Islands now have the ability to desalinate their own water, giving them added control over their water supply. From sea water to brackish ground water, new desalination systems purify and filter sediment from your water supply; some systems even desalinate over 1000 gallons of water per day. Advance Fire & Plumbing is one company operating in Cayman that specialises in home desalination systems. Advance Fire & Plumbing Tel: (345) 949 8330 or (457) 488 4100 Email: info@advancefireltd.com www.advancefireltd.com

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 canvas bags and mesh produce bags to take with you to the grocery store

>

Purchase food and cleaning items in bulk then divide up the food items when home

> >

Buy glass food containers and reuse them Choose

ecological

and

biodegradable

cleaning products

>

Drink Flowers Bottled Water or tap water, which is perfectly safe, and use refillable

»

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

205

14

BEING GREEN

Reduce, Recycle, Reuse & Refuse While no formal legislation exists to make recycling a requirement, people in Cayman are taking steps to reduce, recycle, reuse and refuse. All the major supermarkets on the Island now sell reusable woven shopping bags and charge CI$0.05 per biodegradable plastic bag, but they still offer plastic produce bags in the fruit and vegetable aisles, and these are ending up in the landfill by the thousands. Customers are encouraged to buy mesh produce bags for their fruit and vegetable purchases and avoid using plastic bags wherever possible.

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. Alternatively, residents and businesses can use JUNK who offers an on-site recycling service. They operate large recycling bins in many apartment complexes and offices collecting aluminium, glass, plastic and 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. The fee for this service is between CI$10-15 per unit per month, and depends on the number of units and number of collection days. 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. Each stackable container has its own label (Plastic, Aluminium, Cardboard, Paper, and Glass). 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 800,000 pounds of plastics, cardboard/paper, aluminium cans and


bottles. Don’t buy water in plastic bottles (which are not BPA free). Consider installing a ‘City Water Filter’ from www.ionfaucet.

or cycle when possible

>

Compost where possible. It’s becoming very popular in Cayman and at schools

com to remove the chlorine from tap water.

>

Use your own reusable cups for your daily coffee or smoothie

>

Be mindful of water usage, washing a car can use between 80-140 gallons of water

>

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 and turn on the fan

>

Conserve energy by turning off lights, fans and electronic equipment when not in use.

>

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.

14

> >

Return clothes hangers to dry cleaners Take second hand clothes to the Humane

BEING GREEN

Society or the Red Cross

> >

Use rechargeable batteries Share rides, use public transportation, walk

Being A Green Family First and foremost, 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 in this activity. Recycling should never be a dull chore. 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 actually paying them pocket money that they are allowed to spend however they wish. Email local recycling company JUNK (director@junk.ky) and ask if they will allow you to bring your kids to visit their location at 403 Walkers Road, behind the C3 offices. Earth Day Clean Up is a big annual event that draws hundreds of volunteers who help remove garbage from roadsides

and beaches. Take some time when you visit the beach to pick up some trash and help keep Cayman looking beautiful. Visit www.caymanchamber.ky for more info. You can also join newly formed Plastic Free Cayman who are working to reduce plastic waste in the country. Find them on Facebook! Household Appliances There are many environmentally responsible choices for household appliances. Home Gas sells a range of appliances that run on propane - 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, propane-fuelled appliances are far more economical to run than electric ones. Home Gas supplies gas ranges, tank-less water heaters, dryers, generators, outdoor lighting, grills, pool heaters and more. For more information, call (345) 949 7474, log onto www.homegas.net or visit their showroom on Walkers Road. Also, Clean Gas Ltd. (345) 949 5252 offer propane gas to residences and businesses. Dry Cleaning When you need dry cleaning done on Grand Cayman, Island Cleaners (Tel: (345) 949 5391) SE E AD PAG E 267 and Puritan Cleaners (Tel: (345) 949 7104) are both eco-friendly companies that use environmentally safe dry cleaning products, recycle hangers and offer a same day service if needed. Fluff n’ Fold in Camana Bay also use energyefficient equipment, non-toxic chemicals and recycling programmes to reduce their impact on the environment. WHEN BUILDING

LOCAL | ORGANIC | SPECIALTY | GOURMET Offering a wide selection of natural, organic, specialty and local groceries and produce; the largest cheese selection on island; and a full service deli and coffee bar to make meal time simple.

206

CAYMANRESIDENT 2018

»

Innovative geothermal and solar technologies are now available in Cayman and are being integrated into residential and commercial properties. In addition, Cayman is now one of the four countries outside of the USA where LEED for homes are available, thanks to local company GreenTech Environmental. The LEED


certification not only provides certainty for homeowners that they do in fact have a truly green and efficient home, but it also results in a substantial increase in the home’s value. If you are thinking about building a green home, consider the following steps:

Flowers Group

1) Find a design-builder who has proven

locally

experience with green homes in Cayman; 2) Use key building products like Insulated

184 Seymour Drive, Industrial Park Tel: (345) 623 0000 Email: customerservice@flowersgroup.com www.flowersgroup.com The Flowers Foam Products division of the Flowers Group supplies state-of-the-art, manufactured

building

products

including Insulated Concrete Forms (ICF), foam flat sheets, steel stud and tracks, architectural

Concrete Forms (ICF) such as LOGIX Blocks

components and custom shapes and signs.

or Fox Blocks which are manufactured here

SE E AD PAG E 166

locally, Spray Foam Insulation, low VOC’s materials and finishes, Impact/Insulated

Small Engineering Ltd.

windows, Watersense rated plumbing and

Tel: (345) 947 9330

Energy Star rated appliances;

Email: thesmallgroup@candw.ky A local contracting firm that uses both Insulated

demand for alternative energy sources,

Concrete Forms (ICF) and traditional methods

NCB Group launched its Geothermal cooling

for building, with in-house engineers, SEL

division – GeoCayman. As the exclusive

Consulting, provides structural engineering

distributors of the leading geothermal

services as well. As distributors of Quad Lock

cooling systems, GeoCayman can help

ICF building systems, they can offer both

you cool your home much more efficiently

the new R30 block, which meets the IBC

than traditional air conditioning systems –

2012 energy code, plus the RETRO system

saving you substantial energy and money.

for insulating existing buildings, as well as

Please also refer to the Building a Home chapter for more information. The following organisations can help you if you are looking to build a greener home in Cayman:

Quad-deck, the insulated concrete form for both floors and roofs, creating hurricane safe houses. When Quad Lock ICF is combined with Permacrete “impact resistant” stucco, this will give you the feel of a traditional rendered wall, but with the energy efficiency of an insulated

Design Cayman Architects

building. Receive 10% off structural design

125 Owen Roberts Drive, Breezy Castle U-16

services when you mention the ’Cayman

(Within the Hyundai dealership complex)

Resident’ magazine.

SE E AD PAG E S 144 & 170

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.

Solar Grid-Tie Systems CUC has an initiative called the Consumer Owned Renewable Energy (CORE) Programme, and will buy alternative energy from independent sources. So if you have solar panels generating electricity for your home or business, CUC will buy that power from you at a very fair rate. Visit www.cuccayman.com/customer-service/renewableenergy/ for further information.

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

Home Energy Storage Systems Home energy storage systems use intelligent technology to power your home if you need to be off the grid. These systems can be easily adapted to your individual needs and are compact enough to fit inside

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 sustainable design methods from conceptual design, to construction, through a collaborative consultancy process. Working within a given budget, they can provide an architectural solution taking advantage of the

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. It also assures power in the event of a power outage, instead of having to use a generator.

POWERING YOUR HOME

wind, sunlight and views that a particular site has to offer. Their goal is to design your home, office development or simple renovation, and ensuring it looks good and operates in the most energy efficient manner. SE E AD PAG E 163

»

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

207

14

BEING GREEN

3) Own your own energy. With the growing

(PV), which converts sunlight into electricity and solar thermal, which heats water. The abundance of brilliant sunshine and steady breezes in the Caribbean should make switching to clean or renewable energy sources an obvious move for home owners. Renewable energy systems can be installed in existing homes and new builds. 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.


a closet. The following company can help: Affordable Solar Tel: (345) 546 6686 Email: info@affordablesolar.ky www.affordablesolar.ky

BEING GREEN

14

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. Promoting renewable energy, such as solar, is an integral part of the National Energy Policy, which has committed Cayman to achieving 70% renewable energy by 2037. Cayman has now kick-started its progression towards renewable energy with the opening of its first solar farm. Run by Entropy Cayman Solar, the 22-acre farm now produces 5 megawatts of Cayman’s 100 megawatt requirement. The 20,000 panel facility generates electricity which feeds into CUC’s grid and powers over

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. CUC aim to generate 25% of Cayman’s power through renewable energy by 2025. Health City Cayman has also begun building its private solar array. The array is set to produce 0.75 megawatts and will be the first solar generator not linked to CORE. In 2017, OTEC Cayman Ltd. initiated plans for a floating power plant in the North Sound. They would utilise Cayman’s steep drop-off in depth by collecting warm surface water and cold water piped from below to power steam turbines and create energy. Although it is unlikely the plant will be up-and-running anytime soon, OTEC believes that in the long-term, the plant could produce almost a quarter of Cayman’s Power requirements.

GETTING AROUND

A big offender of pollution and fuel consumption in Cayman is cars. Encouragingly, there is strong support for electric cars in Cayman, helped by the Government reducing the import duty on electric and hybrid vehicles from the minimum (current) rate of 29.5% (for vehicles) to a flat rate of 10% for electric cars and 15% for hybrid cars. Cayman Automotive Tel: (345) 749 0900 www.caymanautomotive.com John Felder of Cayman Automotive has spearheaded the use of electric and hybrid vehicles in Cayman. He has the vision of electric cars making up 25% of all cars on the Island in the next five years. He is the exclusive dealer of the following 100% electric vehicles: Nissan Leaf, JAC Motors, Tazzari-ZERO, Star EV, Zero Motorcycles, GTA and ZEV 100% electric motorcycles, scooters and trikes. He also imports the new Tesla Model S sedan. SE E AD T H I S PAG E, 218 & 220

CARS Ltd. (Campbell’s Auto) 117 North Sound Road, George Town Tel: (345) 949 7135

Leasing & Sales Ltd. - Eco Center Call us Today:

Sales Office 749 - 0900 Service Center 947 - 0900 The ONLY Authorized & Certified Electric Vehicle Service Centre in the Caribbean

“We Service What We Sell!” 208

CAYMANRESIDENT 2018

»

Sells a great selection of electric and hybrid cars imported from the US and Japan. SE E AD PAG E 222

Environmentally-Friendly Fuel Those without electric vehicles can benefit from the new Refuel gas station, Cayman’s first provider of modern, environmentallyfriendly fuel. The facility stocks five grades of fuels including three grades of E10 (10% ethanol), B5 (5% biodiesel) and B20 (20% biodiesel). Ethanol and biodiesel have higher octane and cetane ratings (respectively) than petrol and diesel alone and lower emissions than other boosters. These modern fuels don’t produce as many damaging exhaust emissions and reduce lifecycle CO2 emissions (although some CO2 is produced as a by-product, the plants grown to create the fuel absorb carbon dioxide meaning that the net carbon emissions is much lower than fuels such as petrol). Most of the fuel in the


SWIMMING POOLS

One downside to swimming pools is that they consume a lot of energy. There are however several steps you can take to help keep your energy bills down too:

>

Cover it up A pool cover will reduce heat loss, water evaporation and chemical consumption by up to 70%. It also helps keep your pool clean and iguanas out, which also means you’ll have to run your filter pump less often.

>

Heat it with the sun Having sunshine all year round means our pools stay warm. Consider heating it in the evenings only and make sure you use a solar cover. Solar power from solar panels is another

Plastic-Free Cayman A huge movement is underway in Cayman to make Cayman plastic free. The notfor-profit NGO Plastic-Free Cayman has caught people’s imaginations and people in Cayman 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 fill and use. The feedback since its inception has been overwhelming with restaurants, bars and families coming on board. If the CI Govt would just step-up by charging a CI$0.25 tax on all plastic bags, just like Ireland has done, then the use of these bags would drop like a stone overnight! They would also raise a lot of money to continue the effort to keep Cayman beautiful and an amazing destination for generations to come. Please help reduce plastic pollution in Cayman and do whatever you can to help, including joining in monthly beach clean-ups. For more information see www. facebook.com/plasticfreecayman.

acres thanks to land purchases. The Trust runs environmental and educational programmes including the Blue Iguana Recovery Programme, guided nature walks and volunteer projects. Sign-up to be a member which allows you access to the Clubhouse, voting privileges at general meetings, and discounts on entry into National Trust properties around the world such as the U.K., New Zealand and Barbados. Visit www.nationaltrust.org.ky.

THE

US and UK contain ethanol in its petrol and biodiesel in its diesel in an effort to reduce emissions, but Refuel is the first petrol station to market it in Cayman. The station is located opposite the airport post office in George Town and plans for a second station are already in place.

Tell them you saw it in the

FREE ELECTRIC CAR CHARGING STATIONS

Think about the pump A pool filter pump is the second largest consumer of energy in a home behind your AC. If you install a twospeed, variable speed or solar powered pump, it will pay for itself very quickly with energy savings.

>

Environmentally

friendly

products

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 Pool Patrol on www.poolpatrol.ky. GET INVOLVED IN THE GREEN COMMUNITY

There are many ways you can become actively involved in preserving and protecting Cayman’s fragile environment. In addition to the established programmes, there is also the lionfish culling programme. Lionfish are an invasive species that have wreaked havoc on Caribbean reefs. You must be licensed by the Department of Environment to cull. Contact them on Tel: (345) 949 8469.

Earth Day Clean Up An annual event in Cayman the Earth Day cleanup draws hundreds of volunteers each year to collect litter and debris from Cayman’s roadsides and beaches. Check with your employer if they have a corporate team helping with the cleanup, or contact Cayman’s Chamber of Commerce who in recent years have liaised with the Department of Environmental Health to lead this initiative. 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 across all three Islands. The area of Trust-owned environmentally important lands now stands at 3,133

»

Motor Museum – West Bay

❑ ❑ ❑ ❑ ❑

Camana Bay (Two locations) – SMB

Governors Square – SMB (Solar Powered)

14

Crighton Properties – Crewe Road Cayman Automotive – Grand Harbour Kaibo Beach Bar – North Side Grand Harbour Shopping Centre – George Town

❑ ❑ ❑ ❑

Cricket Square – George Town

The Westin Grand Cayman Beach Resort & Spa – SMB

Lorna’s Rubis Gas Station– Bodden Town

A. L. Thompson’s Home Store – George Town

All Foster’s Food Fair Supermarkets (by the end of 2017)

❑ ❑

Sunshine Suites Resort – SMB

Comfort Suites / Foster’s West Bay / Health City/ Andy’s Rent-A-Car / Foster’s Savannah

Hell (Tourist Attraction) – West Bay Wyndham Reef Resort – East End Barcam Esso Gas Station – East- West Arterial Road

Kimpton Hotel and Dragon Bay (Two locations) – SMB

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

209

BEING GREEN

excellent way to heat your pool.

>

❑ ❑


Transportation

T R A N S P O R TAT I O N

210

211 211 211 212

Legal Requirements - Driving Licences - Licensing your Vehicle - Car Insurance

212 212 215 216

Rental Cars

217

Leasing a Vehicle

218

Importing a Car - Shipping Costs & Details - Duty Costs of Importing a Car

218 218 219

Buying a New Car - New Car Dealers

220 220

Buying a Used Car - Used Car Dealers

220 221

Hybrid & Electric Cars

221

Car Maintenance & Repair - Tyres & Batteries - Roadside Assistance

222 223 223

Car Cleaning

224

Alternative Transportation - Scooters & Motorbikes - Bicycles - Public Transport

224 224 224 225

Drinking & Driving

225

Cell Phones, Texting & Driving

225

CAYMANRESIDENT 2018

»

C

Photos courtesy of Deep Blue Images and Rebecca Davidson Photography.

15

Rules of the Road - Roundabouts & Centre Lanes - School Buses & School Zones - Children & Car Seats

Photos courtesy of xxxxx

Everything you need to know about buying, renting or importing your car, rules of the road, licences, insurance and alternative forms of transportation.

ayman’s roads have seen many changes recently. Both literally, with the Esterley Tibbetts and the Linford Pierson highways undergoing major road-widening projects, and more generally with the increasing numbers of electric cars and the new license plates. John Felder, of Cayman Automotive, has pushed the case for electric cars from the beginning. His efforts have been so successful that now he is even importing the vehicles to Cuba. Back on Cayman, we have seen numerous electric car charging stations installed island-wide. The new Electronic Vehicle Registration licence plates are another noticeable change — the old yellow plates are being replaced with white ones. These clever plates connect to roadside monitors allowing the government to track passing vehicles and record important details. The most convenient, comfortable and speedy mode of transport on-Island is owning your own car. Heat and precarious driving rule out the options of walking and cycling, while the local bus network is unreliable and does not cover all areas. In addition, waiting in the hot sunshine to then sit on a crowded mini-bus with little, or no air conditioning, is not everyone’s idea of the ideal daily commute. There are however, some major bonuses that Cayman car travel retains: little traffic (outside rush hour), 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 41,021 cars registered on Cayman roads, as well as 8,114 trucks, 80 school buses, 405 regular buses and 953 motorcycles. It’s a lot of vehicles (and traffic does get snarled up at rush-hour) but hopefully once the roadexpansions have been completed traffic will flow more smoothly. Read on for everything you need to know about transportation in the Cayman Islands.

Grand Cayman. If you are not familiar with roundabouts and want to avoid an accident, then please learn these rules: 1) Always travel around a roundabout in a clockwise direction. Never turn right onto a roundabout or you will turn into the oncoming, one-way traffic! 2) All traffic approaching a roundabout must yield to the traffic that is already in it. All vehicles already on the roundabout have right of way and you must wait for space to get onto it.

RULES OF THE ROAD

In Cayman there are drivers from all corners of the world, where traffic laws can be quite different, for this reason drivers should be alert and exercise care.

> > > > >

> > > > >

>

this should be obvious. When going straight across or turning right, you should indicate

We drive on the left-hand side of the road

right as you approach the roundabout and

Seatbelts must be worn by all passengers

then as you near your exit indicate left.

Turning left on a red light, after a full stop, is

Make sure to not overtake while on the

allowed and is legal

roundabout. If a car is to your right and

Using a mobile phone (unless hands-free)

slightly ahead and they want to turn left,

while driving is illegal

they have the right of way.

We have a few four-way stops. These

4) When using mini single-lane roundabouts,

work on the basis of whoever gets to the

merge left when space is available and keep

four-way stop first, proceeds first

left of the painted circle until you reach your

The speed limit on the Island varies between

exit. All other cars must yield to the vehicle

25mph-50mph. Speeding tickets are freely

on the roundabout.

dispersed to people who go over the limit;

5) When using multi-lane roundabouts. Keep

All drivers must give way to pedestrians on

in the left-hand lane if taking the first or

pedestrian crossings

second exit. Keep in the right-hand lane if

Headlights must be fitted to dip left. Cars

taking a subsequent exit and maintain your

being imported from the US take note

position in the centre lane until the exit prior

The use of fog lights is not allowed

to the one you will be taking. When moving

You cannot overtake if there is a solid single

from the centre lane to the outer lane prior

or double white (or yellow) line in the centre

to exiting, look over your left shoulder to

of the road

ensure someone is not overtaking you

Accidents: The law requires that in the event

on the outside. Use your indicators. See

of an accident involving injury to person/

diagram above far left.

animal/vehicle, you must exchange names,

6) When using the three-way roundabout.

addresses, DOB, registration numbers

Cayman’s first three-way roundabout

and your insurance details. Or report the

is now up and running. Located next to

accident to the police within 24 hours

Camana Bay, this roundabout links the new

Tinted Car Windows: Front windows can be

stretch of the Esterley Tibbetts Highway

tinted, but must allow a minimum of 35%

with the underpass and leads on to the

light transmission through. Rear windows

existing highway. It is important to use pre-

can be made darker to a maximum of 15%.

caution when driving on this new type of roundabout for the first time. Know your

Roundabouts Roundabouts have proven so popular as a means of controlling traffic flow that there are now over two dozen located around

Dangerous Points on Roundabout

exiting a roundabout. When turning left,

intended exit as 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

15

your left indicator just before reaching your exit. When moving from the inner lane to outer lane prior to exiting, look over your left shoulder to ensure someone is not 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 right across traffic. 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 feet away and wait until the bus has pulled away before you continue driving. You should also pay attention to the 15mph speed limits in dedicated 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 reduce their speed to 15mph or less.

»

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

211

T R A N S P O R TAT I O N

>

3) Use your indicators when approaching or


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 2, 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 be bought at The Baby Shoppe, Little Darlings and sometimes at Priced Right and Cost-U-Less.

T R A N S P O R TAT I O N

15

212

CAYMANRESIDENT 2018

»

LEGAL REQUIREMENTS

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’ Licencing (DVDL) offices for an appointment for a theory test of driving knowledge. You have 40 minutes to answer 40 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. To learn all you need to know to pass the written test, the DVDL recommends that you review their official road code booklet 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 owns the Cayman Driving School (Tel: (345) 926 2501). The cost is CI$18 and it is available at local booksellers. Having passed the theory test, you can then obtain a learners licence for CI$60, which is valid for six months, and this licence allows you to drive whilst accompanied by a full Cayman licence holder (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. After a period of tuition, the practical road test can be taken for a fee of CI$50. You can book an appointment for the practical road test after passing the written test. The road test cannot be taken earlier than six weeks after obtaining the provisional licence. After successfully passing the test, a full, unrestricted licence will be given. For new arrivals on the Island, if you feel at all apprehensive about driving on the left-hand side of the road or driving around roundabouts, you may find it useful to spend an hour or two with Graham Walker, a local driving instructor. Cayman Islands Driving School celebrated twenty-five years of teaching driving in Cayman this year. Their prime objective is to turn a fair driver into a good and safe one (Tel: (345) 926 2501 or email: gwalker@candw.ky). Other good instructors are Willard Isaacs ((345)


928 5577) and Francisco Baccay ((345) 328 1357) who partner with the Driving School. All driving instructors must be registered by the DVDL. Look out for their registration sticker. 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 of CI$75 for 3 years or CI$125 for 5 years has been paid.

contracting state, then under section 29 (4) of the Traffic Law 2011, you will be required to pass both a written and a road test before you can drive at all on Cayman’s roads. However, you do not need to hold a learner’s licence in order to sit the driving test as you already have driving experience. The fee for the written test is CI$25. 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 the next column 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 licence from a Geneva contracting state. You will be able to drive in the Cayman Islands while the licence is valid (usually a maximum of 12 months) before having to take a written and road exam to obtain a Cayman licence. However, it is much easier to apply for the Caymanian licence within the first three months, when you will only have to take the written test;

Converting an Existing Licence According to the Traffic Law 2011 (section 29), if you have a full domestic driving licence from a country within the Geneva Convention Road Traffic Agreement (see www.dvdl.gov.ky for a full list of Convention countries) you may drive on it for a period not exceeding three months and then you must take (and pass) the written test before your licence can be converted to a Cayman driver’s licence. However, if you fail to complete this transfer during those three 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 test. You then have the option of getting a driver’s licence that is valid for either three years (for CI$75) or for five years (for CI$125). If you currently have a learner’s permit or are enrolled in the Graduated Driver’s Licensing Program from another country, then you will have to schedule to take both the written and driving test in Cayman. If you have an international driving licence, you can legally drive on it for twelve months from the date of its issue. However, you cannot convert an international driving licence to a Cayman drivers licence. If you have a driving licence from a country that is not within a Geneva

15

T R A N S P O R TAT I O N

»

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

213


>

abroad, then you can drive on it for a

If you are a visitor (i.e. not a resident and you don’t have a work permit) then:

maximum of three months, from the date

>

Have a domestic driver’s licence from

international driver’s licence which is valid

work permit was approved and not the

for 12 months from the date of issue. You

date of your arrival). After three months

will not have to obtain a Visitors’ Permit;

you must take a written and road test, pass

>

>

If you have a domestic driver’s licence from

both and convert your domestic licence

abroad and you rent a car, then you must

to a Cayman licence or you will be driving

obtain a Visitors Permit (CI$16), which

illegally. You can however, take the tests,

is valid for the duration of your stay or a

pass them and convert your licence after

maximum of six months. If you are using

being resident for six months, but you

your host’s car, then you can drive on your

cannot drive in the meantime;

overseas licence and you do not need to get

Have a full Cayman driving licence. Cayman

a Visitors Permit.

driving licences are only valid for three to

>

use a Visitor’s Permit.

birthday. 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 disqualified for a year.

T R A N S P O R TAT I O N

While driving a vehicle, you must carry your driving licence and have a copy of your car insurance.

If you obtain a Cayman Work Permit or take up Cayman residency, you can no longer

five years and are set to expire on your

15

You are allowed to drive in Cayman using an

you became a resident (i.e. the date your

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 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 even 25 years of age. Additionally, most insurance companies will not insure new drivers to drive a SUV until they have had a licence for one year.

Brand new Cayman driving licences can be obtained for three or five years and cost CI$125 or CI$175 depending on the category of the vehicle. For those needing their existing Cayman licence renewed the cost is $75 for three years or CI$125 for five years. It should also be noted that if you lend

COMPLETE COVERAGE AT YOUR SERVICE.

Obtaining a Driving Record Those intending to drive in Canada, both immigrants and returning Canadians, must provide an official driving record of their time in Cayman before they can be issued, or re-issued, a Canadian drivers licence. The record can be obtained from the DVDL. The document costs $75 and outlines the driver’s license history in Cayman. Do this before leaving as to obtain these documents from overseas will cost extra time and money. DVDL Offices The Department of Vehicle & Drivers’ Licensing (DVDL) has three locations in Grand Cayman:

>

990 Crewe Road, Red Bay, Tel: (345) 945 8344 or ww.dvdl.gov.ky Open: Monday-Friday 8.30am-4pm

>

9 Reverend Blackman Road, West Bay (Across from the West Bay Police Station) Tel: (345) 949 7231

SPECIALISED PRODUCTS AND SERVICE OFFERINGS

Open: Tuesday-Friday 10am-6pm, Saturday

m otor • p rope rty • ma ri n e • e ngi n e e ri ng • l i a b i l it y • acc i de nt

9am-4pm

>

Breakers, Frank Sound (across Sea View Road from the South Coast Bar and Grill) Open: Tuesday-Friday 10am-6pm,Saturday 9am-4pm

THE INSURANCE COMPANY OF THE WEST INDIES (CAYMAN) LTD.

icwi.com

150 Smith Road, P.O. Box 461, Grand Cayman KY1-1106, Cayman Island.

Call: 949-6970

jamaica • bahamas • st. maarten • cayman • st. kitts & nevis • the british virgin islands • trinidad & tobago

214

CAYMANRESIDENT 2018

»

The Department of Vehicle & Drivers’ Licensing (DVDL) in Cayman Brac:

>

District Administration Building, Dennis Road Tel: (345) 948 2222 Open: Monday-Friday 8.30am-4pm


you go to renew the licence on your car. Vehicles can be inspected for any period up to 36 months and licensed for 3, 6, 12, 24 and 36 months. For 36 months, the vehicle must be brand new and not previously licensed in any country. Vehicles licensed for 24 months must not be older than three years from the date of manufacture. If your vehicle is new to the Island you will also have to purchase licence plates at CI$50 per set. Personalised plates can also be purchased for CI$400

per set (replacements cost $30). After an inspection is successfully complete, place the coupon that displays the licence time period on the front window screen within six inches of the edge. New Developments Plans are in place to roll out a modern and sophisticated Electronic Vehicle Registration system. In time, all vehicles will be fitted with specialised license plates and registration coupons, both

• Free mileage and pick-up • Long term mini-leases available • Daily, weekly and monthly Special Rates • Economy, Compact, Mid-Size and Full Size

15

345-949-4808 Email: apex@candw.ky

Find us on

Check out the web for Hot Deals! www.apexcayman.com

3 tips for using the Camana Bay roundabout. 1. Stay in your lane 2. Signal lane changes early 3. Get Saxon Auto Insurance

Flexible policies | Competitive pricing | Personal service

Visit saxon.ky or call (345) 94SAXON

»

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

215

T R A N S P O R TAT I O N

LICENSING YOUR VEHICLE Your vehicle will need to be inspected and licensed every year by the DVDL (unless the car is brand new and then it can be licensed for three years). Avoid doing this on rainy days (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 thirty days before the expiry date. You can also renew your vehicle and driving licence online and they will mail the car certificate or licence to you. No more waiting in line! Initially you do have to go to the DVDL office, but once they set you up with an ESID number (e-services number that is unique to you), you can do everything online in a matter of minutes. You will also 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 Trade & Business licence and a certificate of good standing from the Registrar of Companies, located in the Citrus Grove Building on Goring Avenue. 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). A SUV that exceeds 2500cc costs CI$235. A Hummer costs between CI$535 and CI$1035 per year. Disabled vehicles have no annual licencing 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 licencing. Vehicle inspections are offered at the 990 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


184075_HR-Ad-Resident-TransportaPage 1

8/2/17

1:31:49 PM

tagged with mini-chips, that are capable of communicating with roadside monitors and portable devices. The monitors will track every passing vehicle, recording the expiry-date of each registration coupon and car insurance contract and issuing tickets automatically when appropriate. The system could also act to monitor traffic patterns, as well as locating offenders. The new license plates are on a white background with black numerals for private cars, green for rentals, red for other hire vehicles (such as taxis and tour buses) and blue for disabled. In 2018 they plan to release special edition plates, possibly featuring blue iguanas or an underwater scene. Disabled Parking Badge To obtain a disabled parking badge the process is as follows: collect a form from the DVDL and have a medical doctor fill out the relevant portion, stating whether it needs to be temporary or permanent. Pay a fee of CI$10 and after your application has been reviewed you will be issued with a ‘disabled’ tag for your car.

T R A N S P O R TAT I O N

15

MOTORCYCLE & SCOOTER LICENCES There are three groups of motorcycle licences: Group O (up to 50cc), 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 your bike licence from abroad explicitly states that you are entitled to ride a bike over 125cc, then for CI$75 you can obtain a Full Group 1A licence. A theory test will still need to be taken. 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 1 216

CAYMANRESIDENT 2018

»

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 taken (and passed) an intensive one-week long rider safety course, then you can skip the 12-month wait time. 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 would cost over CI$1,200 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 and cover provided 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. 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 high-end 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 refer to page 116 in the Settling In chapter.

A range of insurance options are also available.

gives readers a 15% discount if you mention Cayman Resident. They also sell their old rental

Avis Cico Rent-a-Car

cars. SE E AD T H I S PAG E

At the Airport (GT), Marriott and Westin Hotels Tel: (345) 949 2468 or (345) 949 2701

Economy Car Rental At the Airport, George Town

Budget Rent-a-Car

Tel: (345) 949 9550

At the Airport, George Town Tel: (345) 949 5605

National Car Rental

Email: budget@candw.ky

At the Airport, George Town

www.budgetcayman.com

Tel: (345) 945 7368

Offers daily, weekly and monthly rates and

RENTAL CARS

• • • •

Free mileage & pick-up Long term mini-leases available Daily, weekly & monthly Special Rates Economy, compact, mid-size and full size

15 Fn

on

Fa e oo an

e T R A N S P O R TAT I O N

Cayman has many top rental 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 card, be over the age of 21 years and have a valid Cayman or international driving licence, or be issued a Visitor’s Permit at the time of the rental. Those renting under the age of 25, depending on the rental company, may not be subject to full coverage or may not be allowed to rent a car at all. Advance Car Rentals 113 Owen Roberts Drive, George Town Tel: (345) 945 9191 Alamo Rent-a-Car At the Airport, George Town Tel: (345) 945 7368 Apex Car Rentals At the Airport, George Town Tel: (345) 949 4808 Email: apex@candw.ky www.apexcayman.com A new 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.

»

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

217


LEASING A VEHICLE

For residents looking to live here for only one to four years, leasing may be a better option. Also, some banks do not like to give car loans to residents who have only just arrived in Cayman.

office. Once approved, your vehicle will be at the

cars and SUVs on a short-term to long-term

airport waiting for you upon arrival.

basis. The rates start from CI$550 per month.

SE E AD T H I S PAG E, 208 & 220

All rates include insurance, vehicle maintenance, roadside assistance and unlimited mileage.

Swift Auto Leasing Email: info@swiftautoleasing.com

Cayman Automotive Leasing and Sales

www.swiftautoleasing.com

Tel: (345) 749 0900 or Fax: (345) 749 0901

Swift Auto Leasing offers vehicle leasing

Email: sales.caymanautomotive@gmail.com

options for both long and short-term leases.

www.caymanautomotive.com

They have a selection of reliable, fuel efficient

Lease terms are offered for two or three years

and compact cars. The lease includes roadside

and all vehicles come with a warranty which

support, insurance, vehicle licensing and all

includes full maintenance, except wear and

maintenance and repairs. A security deposit is

tear of parts. They also offer an all-inclusive

required at signing, which is 100% refundable,

Executive

which

provided the car is returned in the same

covers everything from fully comprehensive

condition as when collected. The minimum lease

insurance, maintenance of the vehicle (including

term is 3 months and the monthly leasing rate

wear and tear items), 24/7 roadside assistance

is CI$450.

Platinum

Leases

Plan,

and airport pick-up and delivery. Breaking the

T R A N S P O R TAT I O N

15

lease before the expiration date will lose your

Tony’s Toys

deposit. New residents can apply for a leased

Tel: (345) 946 8697

vehicle before their arrival. They must fill out

Email: info@tonystoys.net

the lease application form which can be found

www.tonystoys.net

on the website and then fax or email it to the

Tony’s Toys offers leasing on compact to luxury

Car Sales, Vehicles available for Finance or Lease; Subject to Approval All Vehicles Backed By Exclusive Warranty “I firmly believe that electric cars are the way of the future- especially in Cayman, where the battery range is just not an issue and we have plenty of scope for generating clean electricity from the sun. Cayman Automotive has been a pioneer of electric motoring in the Cayman Islands for ten years, so when I decided to import a right-hand drive Tesla Model S from the UK they were the obvious choice to help with the process. Their helpful team took care of everything, from collection of the car in the UK to delivery and licensing here. I would encourage anyone to go electric, and to get the people at Cayman Automotive to help ” -Andrew Bolton "I find my Nissan Leaf, purchased from Cayman Automotive Leasing & Sales, to be super inexpensive compared to filling up with gas. I love the keyless entry and start. With my emissions free Nissan Leaf, I'm thrilled to participate in our environmentally friendly movement on island (Electric Vehicles) spearheaded by Cayman Automotive Leasing & Sales. Doubly so, as I own Couxcoux Coconut Oil on island, we up-cycle as many Cayman coconuts as we can by producing a line of coconut oil products. This is in keeping with the Electric Car movement and my philosophy of advocating for clean energy”

-Pam Thompson-Champou

“Owning an affordable electric vehicle has been a personal and professional goal for years in an effort to live a low-carbon lifestyle. Cayman Automotive’s knowledgeable and friendly staff worked tirelessly to find the perfect EV for my family’s needs. I really appreciated the time given to consider our decision fully and answer any questions we had honestly and quickly. The entire purchase process was seamless and the full service treatment received, including the faster home charger, was excellent. We feel confident driving the car anywhere everyday knowing there is a growing island-wide network of charging stations which John and his team have been instrumental in developing.” -Lisa Hurlston-McKenzie instrumenta

1053 Crewe Road, Unit C9 | Grand Harbour | 345-749-0900 john.felder@caymanautomotive.com www.caymanautomotive.com 218

CAYMANRESIDENT 2018

»

SE E AD PAG E S 217 & 223

Tel: (345) 927 5727 IMPORTING A CAR

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. In the meantime contact the shipping company/agent and take all your paperwork to Customs to pay duty (29.5% - 42% depending on the value of your car), plus a one-time fee for future car disposal (see the Environmental Disposal Fee section later on in this chapter). 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 information on Cayman Customs, go to www.customs.gov.ky. Keep in mind that having your air conditioning in good working order is crucial and it is worth noting that if your car has a manual gearbox, it may not be easy to resell at a later date, since almost everyone in Cayman prefers to drive an automatic car. Indeed, students in Cayman, and in the US, learn to drive on an automatic car and are often unable to drive a manual car. Shipping Costs & Details The average cost for shipping a mid-sized vehicle (approximately 500 cubic ft or less) with either Seaboard Marine or Thompson Line is US$2000 (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. 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 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:

Seapack Inc.

Hyde Shipping

Clearing Your Car Through Cayman Customs Once your car has landed at the port in Cayman, the shipping company will notify you. If you have used a customs broker, they will liaise with their contact in Cayman and the following steps will be taken care of. If you are doing it yourself however, the next steps are as follows:

10025 NW 116th Way, Suite 2, Medley, FL 33178 US Tel: (305) 913 4933 or (345) 947 4933 Seaboard Marine 8001 NW 79th Avenue, Miami, FL 33166 US Tel: (305) 863 4444 Cannon Place, Industrial Park, Grand Cayman Cayman Tel: (345) 949 4977

9950 NW 17th St, Doral, FL 33172 US Tel: (305) 592 1150 or (345) 949 5989 Email: adriana@seapackline.com

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’ needs to be notarised by a US Notary.

>

Thompson Line/Tropical Shipping

>

Collect paperwork from the shipping company and pay shippers;

500 Martin Luther Jr. Blvd., Riviera Beach, FL 33404

Go to Customs, pay the duty for your vehicle and pay the environmental fee;

>

Go to the Port Authority and pay port

US Tel: (305) 805 6620

charges of about CI$55, depending on the

Cayman Tel: (345) 949 8044

weight of your vehicle;

> 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:

Obtain car insurance (you will need proof of insurance on the vehicle before picking up the car from the Port);

> >

Pick up your vehicle; Go to the DVDL to license your vehicle for one year, have it inspected and purchase Cayman Islands licence plates. They will also

Barrett Trade Services, LLC

need to see the vehicle’s certificate of title.

8381 NW 68th Street, Miami, FL 33166

Note: costs depend on the type of vehicle being

US Tel: (305) 477 1512 or Fax: (305) 477 1238

licensed. Also note that, as per the Cayman

Email: abarrett@barretttradeservices.com

Islands’ Traffic Law, it is an offence to keep a vehicle in the Cayman Islands without it being

Deluxe Freight Inc.

registered with the DVDL.

DLX-GCM 11401 NW 107th Street, Suite 100, Miami, FL 33178, USA Tel: (305) 513 0156 Cayman Agent: CICA (345) 949 2350 Email: sales@deluxefreight.com www.deluxefreight.com SE E AD PAG E 90

Duty Costs Of Importing A Car As a way of raising revenue, because we don’t have direct taxes, the Cayman Islands Government charges import duty on all vehicles being imported into the Islands. The percentage charged depends on the value and type of the car and then it is

Environmental Disposal Fee An Environmental Disposal fee is added to cover the cost of disposing of the vehicle in years to come. Depending on the value of the vehicle, the fees range from CI$250CI$1,250. Motorcycles cost CI$75. 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 and then fill out a vehicle export form. Have the DVDL duly sign and stamp it. 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. Mechanical Breakdown Insurance If you import a car into Cayman you should be aware that warranties do not extend to the Cayman Islands. You can however, purchase mechanical breakdown insurance for a new or used vehicle in Cayman. The terms are usually for up to four years and differ depending on the age, mileage and category of the vehicle. The warranty is transferable to a new owner if you sell the vehicle.

»

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

219

15

T R A N S P O R TAT I O N

www.seaboardmarine.com SE E AD PAG E 96

worked out using the Kelly Blue Book. See www.kbb.com. The import duty is calculated on what is known as CIF value. This is the Cost of the car plus the Insurance premium for its journey by ship, plus the sea freight charges. 100% electric vehicles are charged 10% duty of the CIF and hybrid vehicles are charged 15% of the CIF. All pick-up trucks are rated at 29.5% 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%


T R A N S P O R TAT I O N

15

BUYING A NEW CAR

BMW, Mini & KIA

Tel: (345) 749 0900

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 2018 models a new Toyota Yaris will cost you CI$23,900 and an Audi A3 CI$36,000. For SUVs, which account for 80% of the car sales in the Cayman Islands, a 2017 Honda CRV LX will cost you CI$29,900, an Audi S4 CI$70,000, Chevrolet Trax CI$22,500, 2018 Hyundai Tucson GL CI$27,500, a Kia Sorento CI$33,600, a JAC S2 CI$19,995, a JAC S3 CI$22,995 and an Island favourite, the 4-door hard top Jeep Wrangler, CI$38,900. Make sure to ask if the cost of the vehicle also includes inspection, licensing, at least one year of maintenance and a warranty.

G.T. Automotive

www.caymanautomotive.com

52 Godfrey Nixon Way, George Town

SE E AD T H I S PAG E, 208 & 218

New Car Dealers The following makes of car are sold by the authorised dealers listed below. Please note that most dealerships do not carry a large inventory of parts but they can order them. There are no authorised dealers on the Island for Acura, Alfa Romeo, Buick, Citroen, Peugeot and Porsche.

Tel: (345) 945 3415 c.gunby@gtauto.ky or p.smith@gtauto.ky

Land Rover, Jaguar, Renault, Subaru & Volvo

www.bmw.com.ky or www.gtauto.ky

Trac Automotive (formerly Eurocar)

SE E AD PAG E 213

494 Shedden Road, George Town Tel: (345) 945 3876

Chevrolet & GM Advance Automotive

Mercedes-Benz

113 Owen Roberts Drive, George Town

Mercedes-Benz (Car City)

Tel: (345) 945 9191

131 Industrial Way, Industrial Park Tel: (345) 949 0440

Ford, Toyota & Lexus

Email: chad.phillipps@carcitycayman.com

Vampt Motors

SE E AD PAG E 212

514 Walkers Road, George Town Tel: (345) 949 8288

Volkswagen

Email: sales@vamptmotors.com

Arch Automotive

www.vamptmotors.com

15 Portland Road, Industrial Park

SE E AD OP P OSI T E PAG E

Tel: (345) 949 8221

Honda, Chrysler, Dodge, Jeep, Ram, Mercedes-

Tony’s Toys

Benz, Mitsubishi & Suzuki

91 Sherwood Drive, Industrial Park

Car City Ltd.

Tel: (345) 946 8697 or (345) 623 8669

151 Industrial Way, Industrial Park

Email: sales@tonystoys.net

Tel: (345) 949 0440

www.tonystoys.net

Email: salesrep@carcitycayman.com

An independent car dealer that sells a wide

www.carcity.ky

range of new vehicles. They can source items not in stock and offer financing options to suit

Hyundai & SSangYong

your budget. Get approved within 72-hours.

Prestige Motors

SE E AD PAG E S 217 & 223

125 Owen Roberts Drive, George Town Tel: (345) 949 7550

Audi Audi Cayman Islands (Arch Automotive)

JAC and the following Electric Vehicles (EVs):

10 Market Street, Camana Bay

Nissan Leaf, Tesla, Chevy Volt, Chevy Spark

Tel: (345) 943 2834

EV, STAR EVs & GTA Cayman Automotive Leasing and Sales

Automotive Leasing, Sales and Service The most affordable SUV has arrived in Cayman. Features and options that exceed the competition for thousands less. Prices start at $19,995 for the new 2018 JAC S-2 SUV. All vehicles Backed By Exclusive Warranty! 1053 Crewe Road, Unit C9 | Grand Harbour | (345) 749 - 0900 john.felder@caymanautomotive.com • www.caymanautomotive.com

220

CAYMANRESIDENT 2018

»

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 licensing your vehicle. To do this check look at the car’s logbook. The cost of a reliable used car starts at about CI$8,000. 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. Used Car Dealers The following is a list of some of the most well-known car dealers that regularly carry a good stock of second-hand used cars:

Email: lawimports@gmail.com

Sells new and used cars. SE E AD T H I S PAG E

www.lawimports.net HYBRID & ELECTRIC CARS

from Japan for sale in the Cayman Islands.

Electric vehicles are now a common sight on Cayman’s roads. If you would like to buy or import an electric car there are some restrictions: LSVs (Low Speed Vehicles) which only attain a top speed of 25mph do not have the appropriate amount of power to be allowed on all roads and will have to stick to certain zones (where the speed limit does not exceed 30mph). However, larger and faster ‘Highway Speed’ electric vehicles which have a top speed of 150mph (depending on the make and model), can be licensed to drive on all local roads in Cayman. These vehicles can be driven for 100 miles on a single charge and it is estimated that, at current CUC rates this will cost a total of CI$3 per charge. Currently there are fifteen operational electric vehicle charging stations around Cayman and several new stations are under construction or proposed. See page 209 for locations around the Island. Import duty on electric and hybrid vehicles is considerably less than charged for regular gas and diesel vehicles. Electric cars attract a flat 10% duty fee and the duty on hybrid vehicles is 15%. A savings up to 32% on certain priced vehicles.

Special orders are accepted. Interest-free payment plans available. Quality Cars Cayman

Advance Automotive

2053 Cannon Place, North Sound Road

113 Roberts Dr, George Town

Tel: (345) 943 2277

Tel: (345) 945 9191

Email: info@qualitycarscayman.com www.qualitycarscayman.com

Autohaus Ltd.

With over 20 years experience Quality Cars

181 Dorcy Dr, George Town

buys and sells used cars. They also accept

Tel: (345) 949 5760

trade-ins, and can sell your car on consignment.

Sources, sells and services high-end cars. TJ’s Auto Imports (Authorised Agent for Trust Budget Car Sales

Company Limited)

Tel: (345) 949 5605

Foster’s Airport Centre, 63 Dorcy Drive,

www.budgetcayman.com

Industrial Park, George Town

Budget sells their three-year old American and

Tel: (345) 916 4011 or (345) 525 4305

Japanese models every year. Great value for

Email: cayman@japanesevehicles.com

money. SE E AD PAG E 217 Tony’s Toys CARS Ltd. (Campbell’s Auto)

91 Sherwood Drive, Industrial Park

117 North Sound Road, George Town

Tel: (345) 946 8697

Tel: (345) 949 7135

Email: sales@tonystoys.net

CARS sell a variety of affordable second hand

www.tonystoys.net

vehicles including second secondhand EVs.

They sell a range of pre-owned cars, special

SE E AD PAG E 222

orders also available. Financing options to suit your budget. Get approved within 72-hours.

Car City Ltd.

SE E AD PAG E S 217 & 223

Cayman Automotive Leasing and Sales

151 Industrial Way, Industrial Park, George Town Tel: (345) 949 0440

Vampt Motors/Cayman Economy Cars

Tel: (345) 749 0900

Email: salesrep@carcitycayman.com

514 Walkers Road, GT

Email: john.felder@caymanautomotive.com

www.carcity.ky

Tel: (345) 949 8288

www.caymanautomotive.com

Sells a variety of used cars.

Email: sales@vamptmotors.com

John Felder at Cayman Automotive has single-

www.vamptmotors.com

handedly pushed for electric vehicles to be

Cayman Automotive Leasing and Sales Grand Harbour Shoppes, Red Bay Tel: (345) 749 0900 Email: sales.caymanautomotive@gmail.com www.caymanautomotive.com Sells new and used cars from the US, UK and Japan. They also specialise in UK right-hand drive (RHD) vehicles, RHD Wranglers from the US and Electric Vehicles (EVs). SE E AD OP P OSI T E PAG E & 208, 218

L.A.W. Imports Vehicles & Sales Tel: (345) 916 1849

Visit our expanded Showroom, Service Centre and Body Shop on Walkers Road in George Town. We service all makes & models.

www.vamptmotors.com

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

221

15

T R A N S P O R TAT I O N

They import a variety of pre-owned vehicles


allowed on Cayman’s roads (It was illegal until November 2011). Cayman Automotive is also the exclusive dealer of the following 100% EVs: Tesla Model S, Nissan Leaf, Chevy Spark, Chevy Volt, JAC, GTA, and STAR and Zero Motorcycles. SE E AD PAG E S 208, 218 & 220

CAR MAINTENANCE & REPAIR

T R A N S P O R TAT I O N

15

The combination of sunshine and 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 unseen 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. Getting your car undercarriage coated with a rust-proofing

agent is a very good idea. It costs between 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:

>

Every six months or 5,000 miles/7,500km

Tel: (345) 945 9191 Arch Automotive & Goodyear Tyres 15 Portland Road, George Town Tel: (345) 949 8221 Authorised service centre for Audi and Volkswagen. Automotive Art 480 Shedden Road, George Town Tel: (345) 949 7102 Email: service@autoart.ky www.automotiveart.com Offers repair, service, parts and accessories installation for most models. They also sell, install and service marine supplies. CARS Ltd. (Campbell’s Auto) 117 North Sound Road, George Town Tel: (345) 949 7135 Repairs and services all makes and models plus a/c repair and body shop. SE E AD T H I S PAG E

a mid-service is recommended. This should

>

cover almost all points on the car, as well as

Car City

check your air conditioning filters, rotate

151 Industrial Way, Industrial Park

the tyres and top up all of you car’s vital

Tel: (345) 949 0440

fluids (CI$150)

Email: salesrep@carcitycayman.com

A full service for your vehicle is recom-

www.carcity.ky

mended every two years, it inculdes all

Mercedes-Benz, Honda, Mitsubishi, Daihatsu,

the above plus spark plugs, providing a

Chrysler, Jeep, Dodge, Ram and Suzuki.

complete check of your car. This service should cost about CI$400.

These routine services 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, your car interior will heat up during the day and your dashboard may release benzene, which is a known carcinogen, into the interior of the 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.

Cayman Automotive Service Center Universal Warehouse Park 69 Barnes Drive, Industrial Park Tel: (345) 947 0900 www.caymanautomotive.com JAC Motors, STAR EV, GTA, Nissan Leaf, Tesla, Chevy Volt and Spark EV. 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 BMW, Mini and KIA. SE E AD PAG E 213 Mercedes-Benz (Car City) 131 Industrial Way, Industrial Park

222

CAYMANRESIDENT 2018

»

Advance Automotive

Tel: (345) 949 0440

113 Owen Roberts Drive, George Town

Email: cebert.wood@carcitycayman.com


www.carcity.ky

Arch Automotive & Goodyear Tyres

Authorised sales and service for Mercedes-

15 Portland Road, George Town

Benz. SE E AD PAG E 212

Tel: (345) 949 8221 Authorised dealer for Goodyear Tyres.

Superior Auto 14 Sherwood Drive, George Town

Automotive Art

Tel: (345) 949 9570

480 Shedden Road, George Town

Email: info@superiorautocentre.com

Tel: (345) 949 7102

www.superiorautocayman.com

Email: sales@autoart.ky

Specialises in providing vehicle maintenance.

www.automotiveart.com

Their full service shop can check and repair

Automotive Art will replace your old tyres with

your brakes, align your wheels, change your oil,

state-of-the-art equipment. They sell a range

provide electrical diagnostics, and much more.

of new tyres for your car, SUV, rally car or truck.

SE E AD PAG E 232

Brands include Kumho Tires, Dunlop, Nankang,

FULL SERVICE GARAGE

All Makes & Models

Toyo Tires and more. They can also order in Tony’s Toys

unique brands and sizes.

91 Sherwood Drive, Industrial Park Tel: (345) 946 8697

Car City

Email: service@tonystoys.net

Tel: (345) 949 0440

www.tonystoys.net

www.carcity.ky

Full service automotive garage and collision Tony’s Toys

to diagnose and perform service on European,

91 Sherwood Drive, Industrial Park

Japanese and American vehicles. Headlight

Tel: (345) 946 8697 or (345) 623 8669

restoration and corrosion-free rustproofing

Email: parts@tonystoys.net

treatment. SE E AD T H I S PAG E & 217

www.tonystoys.net

DEALER LEVEL diagnostics and repairs

Stocks a wide variety of affordable batteries, Vampt Motors

tyres, parts and accessories. They also do

368 Walkers Road, George Town

special orders. SE E AD T H I S PAG E & 217

Tel: (345) 949 2245 Email: service@vamptmotors.com

Vampt Motors

www.vamptmotors.com

368 Walkers Road, George Town

Ford, Toyota, Lexus, Lincoln and Jaguar.

Tel: (345) 949 2245

SE E AD PAG E 221

www.vamptmotors.com SE E AD PAG E 221

Tyres & Batteries Cayman Islands Government regulations state that your tyres must be in good condition when they are checked at your annual car inspection. They also stipulate that you cannot alternate brands of tyres as this could cause your car to drive erratically. Batteries generally have a life span of four to five years; depending on the weather conditions, vehicle type and driving habits. The following reliable tyre and battery shops offer new tyre sales and repairs, as well as battery tests and installation. For used tyres try Larry’s on Shedden Road.

Roadside Assistance Cayman has a dedicated roadside assistance service similar to the AA in the UK and AAA in the US. Cayman Auto Club (Tel: (345) 623 4808 or www.autoclub. ky) offers its members 24-hour roadside assistance particularly for flat tyres, dead batteries, being locked out of your vehicle, needing fuel to be delivered, towing or an emergency start. They offer three membership levels costing CI$89-CI$139 per year. 24-hour roadside assistance is also automatically extended to those that comprehensively insure a private vehicle with ICWI. Call (345) 949 6970 for more information. Fidelity Insurance also

15

T R A N S P O R TAT I O N

body shop repairs. Highly trained technicians

DIAGNOSE •Mercedes •BMW & REPAIR •Minis EUROPEAN •Audi •Volvo VEHICLES •Range Rover

#91 Sherwood Drive, Industrial Park Service Department

946-8697 / 623-8669 Visit our website: www.tonystoys.net Like us on:

»

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

223


has a roadside assistance service that you can purchase with your comprehensive insurance policy. Car Cleaning The only automated car wash in Cayman is The Auto Spa (Tel: (345) 943 1946 or www.autospacayman.com). You will, however, easily find a word of mouth recommendation for a cleaner who will come to your home or office and clean your car, inside and out, for a reasonable price. Do ensure you get a recommendation from a friend or colleague, as there have been occasional reports of cars being stolen days later and parts missing from them. It has been presumed that the key was copied by the mobile car wash guy.

also requires that the motorist be at least 19 years of age. Those holding a Learner’s Licence cannot carry a pillion passenger. A helmet must be worn at all times.

T R A N S P O R TAT I O N

15

Scooters & Motorcycles As stated at the beginning of this chapter, there are 953 motorcycles in the Cayman Islands and their popularity is growing. To drive a scooter you must be at least 17 years of age, have taken a theory test, passed it and obtained a Learner’s Licence. Then to drive a motorbike over 125cc, you have to wait 12 months and then take a practical road test. This type of motorcycle

480 Shedden Road, George Town Tel: (345) 949 7102 Email: sales@autoart.ky www.automotiveart.com/cayman They sell Yamaha scooters and WaveRunners, motorcycles, outboard motors in 2 and 4 stroke and All Terrain Vehicles (ATVs). They have an in-house service and parts department with a team of certified professionals to take care of your needs. SE E AD T H I S PAG E & 233 Cayman Custom Cycles

Cayman Auto Rentals

licensing and also offer tours of the island on

135 North Church Street, GT

Harleys. They service and repair motorcycles,

Tel: (345) 949 1013

offer roadside assistance and they do custom Scooten! Scooters!

paint jobs.

Little Cayman Center Lane Motors

Tel: (345) 916 4971

170 Seymour Road (Dump Road)

Email: scootenscooters@candw.ky

Industrial Park

www.ScootenScooters.com

Tel: (345) 925 6686 or (345) 929 7172

They rent Yamaha 50cc scooters for US$35

Email: info@centerlanemotors.ky

for 3 hours, US$50 for 8 hours, with special

www.centerlanemotors.ky

weekly and monthly rates available. The rental

They sell a wide range of American, Chinese,

cost includes a free tank of gas, helmet and free

Korean and Italian made scooters, on/off road

delivery and pick-up.

trails, cruisers and sport bikes from brands such as Cleveland Cyclewerks, Zongshen, Znen, Daelim, Aprilia, Vespa and Piaggio. Sizes: 50cc-

#480 SHEDDEN ROAD, GRAND CAYMAN, C.I

Monday - Saturday 8am - 6pm

www.facebook.com/autoartky

@autoartky

»

Scooter Rentals Scooters can be rented for approximately US$60 per day which includes insurance, free delivery and pick-up and a helmet. If you do not already possess a CI drivers license, the government requires that you purchase a Visitor’s Driving Permit for US$15 when you rent a scooter. Motorbikes are not available to rent, though Cayman Custom Cycles (Tel: (345) 945 7433) runs a fantastic Island tour on Harley Davidsons. On the Sister Islands, bicycles and scooters are a great way to explore. The following companies rent scooters:

instruction courses for Group 1 and Group 1A

MOTORCYCLES & SCOOTERS

CAYMANRESIDENT 2018

Financing is available and they have an in-house

They run motorcycle and scooter riding

(345) 949-7102

224

a wide selection of parts and accessories. service department. SE E AD OP P OSI T E PAG E

Tel: (345) 945 7433

Most people do not walk in Cayman, one reason being that it is hot and in the summer it rains torrentially, but also because roads have little or no verge for walking along. Riding a bicycle may be an option, but it can be dangerous and roads don’t offer much of a shoulder to ride on.

They also sell kid-sized dirt bikes, ATVs and

Automotive Art

4 Dorcy Place, Dorcy Drive, Industrial Park ALTERNATIVE TRANSPORTATION

250cc cost between CI$1,250 and CI$6,850.

Bicycles Some people do ride bicycles to work, but there are very few designated cycle lanes (though the new West Bay Road has new cycle lanes from West Bay to the Britannia roundabout). As cycling to work is not as common as it is in, say the UK, drivers do not give cyclists due care and attention, so cyclists need to be extra vigilant. Cycling into facing oncoming traffic is illegal and will not improve your safety. Uncle Bill’s and Kirk Home Centre sell a good selection of bikes, cycle helmets and bicycle equipment including lights. You may also want to register your bicycle with the


airport, in front of the cruise ship terminals in George Town and parked at many of the major resorts along Seven Mile Beach. One reliable taxi firm is A.A. Transportation Service, Tel: (345) 926 8294. DRINKING & DRIVING

The drinking and driving rules in Cayman are strict and strongly enforced. The legal blood-alcohol limit for the Cayman Islands is 0.100% (100mg of alcohol in 100ml of blood). If you are caught driving any vehicle over the legal limit you will have to go to court and lose your licence for a period of at least one year. It is also deeply frowned upon. Having a drink driving conviction can mean you are unable to get a work permit in Cayman. We recommend that you use HomeSafe (Tel: (345) 326 7233), a reliable and inexpensive car delivery service that will take you and your car home. Alternatively, use a taxi or a designated driver if you are going to be drinking. CELL PHONES, TEXTING & DRIVING

A CI$150 fine is automatically issued to anyone seen driving while talking on a mobile phone unless it is hands-free. In section 78 of the Traffic Law 2011, it states: “in order to use your cellular device while driving it must be “hands free” with no more than one action of pressing a button to accept and end a call.” You are also able to legally use your phone while driving if you are calling 911 to report an emergency.

Tell them you saw it in the

We carry 5 quality brands with 20 models to choose from! Sleek modern scooters and motorcycles so you can have fun while looking good!

$3,950

$2,150

$3,450

R 125cc Daelim Roadwin

$1,250

Daelim Daystar 125cc

$1,550

Zongshen Prance 125c c

Zongshen Spec X

$2,450

Zongshen Z-One S

$3,750

$2,750

Sales: 925-6686

www.centerlanemotors.ky

Znen Q

FINANCING AVAILABLE

Piaggio Fly

170A Seymoure Dr, Industrial Park

Vespa S

»

Parts & Repairs 929-7172 info@centerlanemotors.ky

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

225

15

T R A N S P O R TAT I O N

Public Transport We have a reasonably good public bus system. There are nine bus routes and the buses each have a coloured circle on the front and rear with a route number in the middle, with ‘Public Bus’ written along the side. All routes run to and from the bus depot in central George Town, where there is a Public Transport Inspector on duty from 7am-7pm Monday-Friday (except for public holidays) to supervise all bus operations. There are a few designated bus stops on the Island, but the best way to catch a bus is to simply wave one down from the side of the road. Most buses carry between 14-29 passengers. The average fare is CI$2.00 per journey or CI$3.50 if you take a long trip like George Town to East End or North Side. Anywhere beyond Hutland Road, such as Rum Point and Cayman Kai, will cost CI$8. If you hear a bus beeping as you, it is the driver checking to see if you need to be picked up. The best routes for buses are between George Town and either West Bay, Bodden Town, North Side or East End. But there are also regular scheduled buses which run along South Church Street, South Sound Road, Walkers Road, Fairbanks Road and the Industrial Park, Owen Roberts Drive (airport area). We have also been reliably informed that buses will go to Bodden Town and Frank Sound (from GT) on a regular basis but will often turn around and drive back to town rather than complete their route around North Side and East End, especially if their bus is empty. This means that if you are relying on catching a bus in North Side and East End to take you to George Town, particularly in the afternoon, then you might not be in luck! Taxis are also another form of public transportation readily available to the

public, but are more expensive. However, the Government has recently hired Deloitte to review the current rates system and find a solution to tourist’s grievances about unfair and inconsistant prices. At the moment, taxi fares are set by the government and recorded in an official rates sheet which every taxi-driver is legally required to carry. However the rates sheet only includes generalised locations like ‘Seven Mile Beach’ which means the price to go to a specific location is often unclear. Complaints also focus on Cayman’s unusual practice of charging a 20 percent surcharge for every additional passenger above the first three. Several business owners claim that the high price of taxis are impacting their businesses with tourists choosing to walk to nearby restaurants rather than pay to take a taxi. They have also raised concerns about the taxi industry threatening the Island’s otherwise wonderful reputation among visitors. So far solutions include implementing a metering system, establishing a central dispatch for all taxi operators or possibly creating an Uber-style smartphone app which people can download. Local taxi firms have banded together to form the Cayman Drivers Association to ensure they have a say in determining how the fares will be regulated. CITA is also acting as a facilitator to address the concerns of both taxi drivers and hotels and restaurants, while working alongside the Public Transport Board to form a rate system that works for drivers and tourists alike. You will find plenty of taxis at the

THE

police department. They will record your bicycle’s serial number and place a marking on it that is only visible under a UV light. It is highly recommended that you wear a reflective vest while cycling at night and make sure your lights work.


Boating

Photos courtesy of Deep Blue Images

Where to boat in Cayman, boat safety considerations, navigation, protecting your boat in a hurricane, buying a boat, boat maintenance and repairs, marinas, boat trips, sailing charters, fishing and marine parks.

B OAT I N G

16

226

Protecting the Marine Environment

226

Where to Boat in Cayman

229

Safety Considerations - Rules of Boating - Navigation/Boating at Night - VHF Radio/Boat Security - Protecting your Boat in a Hurricane

230 230 230 231 231

Buying & Maintaining a Boat - Boat Licensing Fees - Boat Insurance

231 234 234

Marinas & Fueling Stations

235

Getting Out on the Water - Boat Leasing Club/Boat Rentals - Tours & Private Boat Charters

236 236 236

Fishing - Fishing Trips & Tournaments - Light Tackle Game Fishing

237 237 237

Marine Rules & Regulations

238

CAYMANRESIDENT 2018

»

A

s beautifully noted by Jacques Cousteau “The sea, once it casts its spell, holds one in its net of wonder forever.” The Cayman Islands are globally renowned for their beautiful water which is warm, blue and crystal clear. As an idyllic location for boaters, fishermen, snorkellers, divers and naturalists, a magazine about Cayman cannot go without an entire chapter dedicated to the joy of being on the water. PROTECTING THE MARINE ENVIRONMENT

We live on a blue planet and over 70% of the Earth’s surface is ocean, which makes up over 99% of living space. Acting responsibly on the water is essential for preserving the well-being and unspoiled beauty of Cayman’s seas and it ought to be a priority. Practice responsible boating, kayaking and other recreational activities on the water. Never throw anything overboard, particularly fishing lines and plastics, and be aware of marine life in the water around you. Report accidental hooking, injured or dead turtles and marine conservation offences to (345) 949 8469 if in Grand Cayman or see the next page for the mobile numbers of the Chief Conservation Officers in all three Islands. Plastics that end up as ocean debris contribute to habitat destruction and entangle and kill tens of thousands of marine animals each year. Giving fish a safe place to live and reproduce gives them time and space to replenish their numbers. Reduce your use of plastics, recycle all of the rubbish you can, pick up garbage you find on the shore or at sea. Take advantage of marinas that provide facilities for


your full service marine center

PADDLEBOARDS SAILBOATS & KAYAKS

B OAT I N G

BOATS • MOTORS • TRAILERS • PARTS • ACCESSORIES • ELECTRONICS SALES • SERVICE • REPAIRS • HAUL OUT • STORAGE • BROKERAGE AUTHORIZED SALES, SERVICE & WARRANTY FOR:

SERVING THE CAYMAN ISLANDS

FOR OVER

30 YEARS Located at The Barcadere Marina 606 North Sound Road, George Town.

Tel: 949-4186

!

info@scottsmarinecayman.com www.scottsmarinecayman.com

»

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

227


WWW.HARBOURHOUSEMARINA.COM

CAYMAN’S

PREMIER

BOAT DEALER

#1 FOR BOAT SALES NEW & PRE-OWNED WESTERN CARIBBEAN’S LARGEST CHANDLERY 16

B OAT I N G

FULL SER RVICE WATE ERFRONT MARINA ST TORAGE AND REPAIR R CENTRE DOCKSID DE SER RVICES UPHOLSTERY SERVICES ●

Largest selection of inventory in Cayman

Boat show pricing and factory incentives

The most knowledgeable expert staff

Waterfront location for your convenience

All boats are turn-key ready for their new owner

Full manufacturer warranty

HARBOUR HOUSE MARINA GRAND CAYMAN

B.W.I.

Phone: 345.947.1307 I info@harbourhousemarina.com O P E N I N G H O U RS : M O N - F R I : 8 A M - 5 . 3 0 P M O F F I C I A L

228

CAYMANRESIDENT 2018

»

S AT : 8 A M - 5 P M

D E A L E R S

F O R :

2 4 H R E M E R G E N CY S E RV I C E


recycling oil, aluminium, glass, plastic, and antifreeze. Coral reefs are essential to the health of Cayman’s marine ecosystems. These colonies of fragile marine creatures are easily damaged by boat anchors and hulls, so take precautions where you operate a vessel and anchor.

It is possible that a propeller from another vessel could accidentally cut the anchor line and also, if the anchor drags, the wind will take the boat offshore. When travelling close to shore in this area, always look out for snorkellers and divers. Do not exceed five knots within 200 yards from the coast and do not anchor in marked boat channels, diving or swimming areas.

WHERE TO BOAT

THE NORTH SOUND Most boat owners keep their boats on a dock in the North Sound, or there are several launching ramps that provide access. The Sound is enclosed by a barrier reef and has a network of canals that afford excellent protection from the weather in all but the most extreme conditions (such as a hurricane). Theft is uncommon and a canal generally offers access to fresh water to keep the boat clean. There are also fuel stations that can be accessed by boats. The North Sound offers excellent shallow snorkelling areas: Coral Gardens and the world-renowned Stingray City. North Wall diving is very good as well, but sea conditions can be rough. Beachside bar and restaurants such as Rum Point and Kaibo are popular stops for the boating crowd, particularly on weekends. Some boaters also head up to Morgan’s Harbour where there are two restaurants accessible from the water: Calypso Grill and Catch. Space can be limited and the onshore breeze can make docking a challenge, so be careful. Just to the north of Morgan’s Harbour is an area called Barkers that offers miles of undeveloped white sand beaches and some good light tackle fishing for bonefish. Navigate carefully; it is easy to strike a coral head and damage your propeller. Watch out for kite surfers in the water too. You can also take your boat into Camana Bay or the George Town Yacht Club (GTYC) via the North Sound where you can then have lunch or dinner. Children will love the fountains at Camana Bay and the pool at the GTYC. The North Sound is great for fishing and catching conch and lobster, but abide by the Marine Parks Law. Ignorance of the

SOUTH, EAST & NORTH COASTS On the South, East and North coasts of Grand Cayman there are areas where you can find undeveloped beaches, great fishing and pristine diving and snorkelling, but you may want to take a local guide with you the first few times you venture out as it is easy for your propeller to find

Important Numbers Flying Dutchman

(345) 326 4704

(call if your boat has broken down/is sinking/has sunk)

Cayman Port Authority

(345) 949 2055

Marine Enforcement /DOE

(345) 916 4271

Cayman Brac/DOE

(345) 926 0136

Little Cayman/DOE

(345) 926 0136

(Report offences such as poaching to the Chief Officer)

Joint Marine Police Unit

(345) 949 7710

US Coast Guard (RCC Miami) (305) 415 6800 VHF Radio Channels (police/DOE/Port Security)

»

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

16

229

16

B OAT I N G

SEVEN MILE BEACH Seven Mile Beach is typically the calmest side of the Island but does occasionally get battered by Nor’westers in the winter months. The diving is beautiful, the beach is amazing and navigation is easy because there is no fringing reef (or shallow coral heads) to hit, but you need a trailer to take your boat in and out of the water. Boat ramps are located at the Lobster Pot dock and at the beginning of Northwest Point Road in West Bay (at the north end of Seven Mile Beach). Occasionally, boaters will anchor off beach bars and restaurants such as Royal Palms during the day. You can also take your boat around from the North Sound to Seven Mile Beach, but you need to be familiar with the channels through the reef in the North Sound, have a sturdy boat and be prepared for a long and rough trip outside the reef until you get to calmer waters. Currently there are no gas stations where members of the public can dock and refuel a boat in George Town or on Seven Mile Beach. If you are considering regularly keeping your boat in the water overnight off Seven Mile Beach, then it is best to seek authorisation from the Department of Environment (DoE) to put in a mooring. Even with a mooring, your vessel (and engine) is unfortunately somewhat vulnerable to theft. Winter storms can occasionally make the sea very rough, so if you are not very conscious of the weather conditions, your vessel could become a shipwreck quickly. Even though a number of commercial vessels anchor regularly off George Town (and Seven Mile Beach), it is not advisable for personal watercraft to anchor overnight.

law is no excuse and violations can result in serious fines or confiscation of your boat and even a prison term. Although partially enclosed by a barrier reef, the Sound can get choppy. If your boat is under 22ft long, you (and your guests) are very likely to get wet from sea spray on an average day. The Central Mangrove Wetland is on the east side and is a protected Environmental Zone. In-water activity, fishing and anchoring are completely prohibited, but boats can access the area provided they do not exceed five knots. A great place to view nature, people kayak in the canal systems and also in English Bay, located east of Kaibo. The Cayman Islands’ Sailing Club is located on the south-western side of the North Sound (off Selkirk Drive) and you will often see dinghies sailing out from the club. Larger sail boats venture into the Sound, but the access through the reef is fairly shallow, so no boats with drafts greater than 10ft can enter. Watch out for: The Blower’s, Fisherman’s Rock, Barkers, The Standards and Four-Way Reef; these areas have shallow coral heads that have claimed many propellers and even some boats.


a coral head if you don’t know where you are going. It is very likely that if you are out on the water, you will be approached by a vessel operated by Marine Parks or Marine Police officers. Have fun, but be aware that penalties for breaking the rules on the water are really very serious. It is worth taking the time to pick up a copy and read the Marine Parks Rules and Regulations, as well as the Port Authority Law. SAFETY CONSIDERATIONS

NAVIGATION Basic navigational knowledge is helpful. Get to know landmarks on the horizon, such as the airport, the Dump, the RitzCarlton and Harbour House Marina and you will be fine without a GPS. Still, a basic GPS is highly recommended. You don’t need a dedicated boat unit, but an app for your smartphone such as iNavX will work. If you have a chart plotter, use it too. Whenever you are on your boat, insert any navigational aids as marks on your GPS. These can be channel markers for your canal, floating metal mooring buoys in the Sound or the Main Channel markers. This can help if you are caught in a squall with no visibility or out at night and discover a channel marker light is out. The world is divided into two regions for navigational marks. Cayman is in Region

B, which uses the convention that red port marks are on the left when exiting a channel. Remember this by using the mnemonic “Red Right Returning”. This is the opposite system to the UK and Europe! Fixed or hand held GPS units can be purchased from either Harbour House Marina, Kirk Marine or Scotts Marine. Boating at Night Darkness distorts perceptions; at night, winds seem stronger, waves bigger and it is difficult to tell if a light is 200 yards or two miles away. Out on the North Sound, it is impossible to see water depth or coral heads; even on a moonless night. Safe boating at night is a matter of common sense. Make sure your navigation lights are working (so other boats can see you!) and carry a powerful torch, at least a million candle power, so you will be able to pick out channel markers from 100 yards away. Use your GPS if you have one. Many channels have lights, but be aware that markers can drift and if one marker

B OAT I N G

16

RULES OF BOATING Over centuries, complex rules and conventions have evolved which are now codified in the Regulations for the Prevention of Collisions at Sea. In all circumstances where a collision is likely, these rules determine which vessel has right of way and which must take avoiding action. The basic rules are that all boats approaching each other pass port to port (left to left) i.e. opposite to driving in Cayman. Power boats always give way to

sail boats and boats that are overtaking have to keep clear of other boats. These are just the basic rules, make sure to read up on more complex situations.

THE CLEANER CHOICE IS THE CLEAR CHOICE. THE ALL-NEW EVINRUDE E-TEC G2

has 75% LOWER EMISSIONS and 15% BETTER FUEL ECONOMY making it the cleanest running outboard... EVER.

INTRODUCING THE EVINRUDE E-TEC G2

The Evinrude E-TEC redefined low maintenance with 3 years or 300 hours of no dealer scheduled maintenance. The Evinrude E-TEC G2 once again sets the standard for ease of ownership by only requiring dealer-scheduled maintenance every 5 years or 500 hours. Combine that with a 5-YEAR ENGINE WARRANTY, a 5-year corrosion warranty, and 15% better fuel efficiency than leading four-strokes, and it’s clear to see why the new Evinrude E-TEC G2 gives you the most lifetime value on the water.

VISIT KIRK MARINE TO LEARN MORE ABOUT THE EVINRUDE E-TEC G2. 454 Commercial Center, Eastern Ave, George Town

TELEPHONE: (345) 946-3575

AUTHORIZED DEALER FOR

230

CAYMANRESIDENT 2018

»

kirkmarine.ky/g2


light is not working, it is all too easy to mistake a working middle marker for a defunct outer marker. If a vessel is approaching from your port side, you will see a green light and have right of way. A vessel on your starboard side will show you its red light, so you have to give way. The most dangerous situation is if you see both a red and a green light, this means you are looking at a head on collision. Make a distinct course change to starboard so the other vessel knows you are taking avoiding action. Remember “if two lights you see ahead, turn to starboard, show your red.”

BOAT SECURITY Although a relatively rare occurrence, there have been incidences of boats being stolen. More common is the theft of engines and small, movable outboards, as well as electronics, fishing and dive gear. The theft of valuable fishing and boating equipment has become more frequent and you are advised to take extra precaution when securing your boat at night. Store

Marine Magellan: Includes wireless sensors which monitor intrusion, high water, shore power loss, low batteries and more. Should any of the wireless sensors be triggered, it will call the designated parties and relay a personalised pre-recorded voice message of the event. The system also allows the owner to call the boat to receive the system status, but also create events like switching on lights or battery charging circuits remotely.

Suitable for boats, waverunners and jet skis, Sat-Trak devices allow you to monitor the location of your asset online, track activity and recover from theft. Devices include real-time tracking and reports, map and satellite views, and location notifications by text, email or an email alert when the craft leaves the dock. Satellite tracking will aid the police in the recovery of your boat by tracking its last known location and direction of travel. Sat-Trak GPS Tracking:

Installing a lock which is mounted directly to the steering wheel of the boat will help discourage theft of your boat. You can get security advice and products for your boat from the following companies:

Boat Locks:

to protect your boat. There are several precautions you can take to do this and we recommend you plan in advance. Remember to take all paperwork and insurance records off the boat as well as electronics. Make an inventory of items left on board, preferably with photographic or video evidence and make a note of all serial numbers. Remove Bimini top or any item on deck that could become a projectile object during strong winds. Unstepping masts on sail boats is also strongly advised. For more information on how to secure your boat on land or in the water before and during a storm, visit www.caymanresident.com. BUYING & MAINTAINING A BOAT

Once you have decided on the type of boat, the next thing to decide is whether you want a new or used boat. There are several brokers specialising in used boat sales but they can also help you with the process of buying a new one, whether in Cayman or overseas. A good broker will help you determine what you need in a boat and scour the market with you as your ally, steering you away from potential problems and boats that might be considered poor value. New vessels may not be trouble-free, but if you purchase from a local dealer, you have the benefit of warranty service onIsland. There are several new boat dealers in Cayman so pricing is competitive and the sales staff are quite knowledgeable. BOAT DEALERS, MAINTENANCE & OUTBOARD ENGINES Automotive Art & Yamaha Power Sports Tel: (345) 949 7102

Harbour House Marina

Email: yamaha@autoart.ky

Tel: (345) 947 1307

www.automotiveart.com/cayman

www.harbourhousemarina.com

Cayman’s only authorised distributor for Yamaha sales, service and support. This includes

The Security Centre Limited Retail Division

all Yamaha outboards and WaveRunners, as

Tel: (345) 949 7441

well as a large inventory of Yamaha spare parts.

Email: info@security.ky

They also offer Deka marine batteries and Wet Sound Premium Marine Audio, as well as

PROTECTING YOUR BOAT IN A HURRICANE In the event of a hurricane, you will want

Continental trailers. Dockside repairs available and essential items are in stock and ready to serve. SE E AD PAG E 233

»

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

231

16

B OAT I N G

VHF RADIO The legal framework for boat VHF’s in Cayman is a nightmare. In order to have a VHF on board, the boat must have a Maritime ICT Licence. Even with such a licence, an operator must have a Maritime Radio Operators’ Certificate of Competence and Authority to Operate. Luckily, in the real world, few boats have a VHF licence, virtually no operators have the required certificate and nobody seems to care. However, boat owners should at least acquaint themselves with VHF etiquette. Although channel 16 is strictly an emergency channel, it is generally accepted that it can be used to contact other vessels. Once contact has been made, the conversation must be switched to another working channel. Mayday calls on channel 16 are for life threatening emergencies only. If you are out of cell phone range in an emergency, call Port Security on Channel 16, tell them your boat name, position and nature of the problem and they will help.

expensive equipment indoors if needed. If you see any suspicious activity please report it to the police immediately and provide a full description of anything which has been stolen, including serial numbers. There are devices on the marine market that can help protect your boat. Here are a couple of options, but speak to a marine professional for more information.


Avalon Marine Tel: (345) 945 5103 or Cell: (345) 516 7708 Email: rafe@avalonmarine.ky Mobile and fixed location boat maintenance, repair and management services including mechanical,

engine,

plumbing,

electrical,

electronics and cosmetics. Offers hauling and captain services, full management services for all vessels and watercraft as well as brokerage for new and used boats, locally and internationally. Extensive experience working within the US market to find, survey, inspect, purchase and deliver boats to Cayman. Boat and trailer storage. SE E AD PAG E 239 Boating Made Easy Tel: (345) 749 7555 Email: boatingmadeeasy@gmail.com www.bmecayman.com Boating Made Easy provides secure long and

16

short term storage for boats, trailers, jet skis and cars. Their experienced team will safely launch and haul your boat to and from desired locations. They offer monthly maintenance on boats and motor-related equipment and

B OAT I N G

mechanical service, Fibreglass/Gelcoat repairs

CEO and Master Mechanic, Mark DeMercado, has over 30 years’ experience as a professional mechanic. Other qualifications: JAGAS Auto Mechanics Certification, ULCI Light and Heavy Vehicle, Rundquist Propeller Certification and he is a trained Aircraft Mechanic.

and hull repair/bottom paint. SE E AD PAG E 236 Cayman Power Sports & Marine Tel: (345) 943 2005 Email: service@cpsm.ky or www.cpsm.ky Compass Marine

Boat Propellers & Auto Repairs 15 Minute Drive-thru Oil Change Diagnostic Testing • Body Work & Paint Machine/Welding Shop • Propeller Shop Rim & Tyre Repair Shop • Alternator & Starter Shop Rundquist Propeller Certified Suspension & Wheel Alignment Centre

Tel: (345) 916 0660 or (345) 945 0660 Email: mike@compassmarine.ky Harbour House Marina (HHM) Tel: (345) 947 1307 Email: info@harbourhousemarina.com www.harbourhousemarina.com A full service marine facility at the end of Marina Drive in Prospect. Dealers for Boston Whaler and Sea Ray boats and distributors

14 Sherwood Drive, George Town Tel: (345) 949 9570 or (345) 525 9570 Email: sa@candw.ky

for Honda Marine. Authorized to service and

www.superiorautocayman.com

and Mercury factory trained and certified,

warranty Mercury products. HHM has a 150 ton Marine Travelift and the largest repair yard on the island carrying out all manner of marine repairs. Their mechanics are Honda and operate from the largest indoor marine service centre in Cayman. They also boast

232

CAYMANRESIDENT 2018

»


the largest chandlery (marine store) in the

as Pursuit, Grady-White, Cobalt, Starcraft

Western Caribbean stocking all major brands

and Bayliner boats. In addition, they offer a

of marine equipment at competitive prices and

full line of marine batteries, parts, accessories,

wax once every 6-12 months. This will

offering exclusive deals for Sea Hawk paints

electronics, safety equipment, fishing supplies,

revive the look of the boat considerably

to Garmin, Icom, Crocs, Sperry Docksiders and

apparel and more. SE E AD PAG E 227

and protect the boat from salt and sun. The

use a household detergent on your boat!

>

Wax your boat using a premium marine

wax can be applied by hand, but it’s easier

Marinco products. HHM sells premium gas and diesel imported from the USA. Full dockside

Superior Auto

with a good dual action polisher to get the

maintenance services and boat storage with

14 Sherwood Drive, George Town

job done quickly.

24hr security on site are available. New to HHM

Tel: (345) 949 9570 or (345) 525 9570

is the upholstery department which makes

Email: sa@candw.ky

cushions, canvas, Bimini tops and enclosures all

www.superiorautocayman.com

on site. SE E AD PAG E 228

As well as a full service auto repair and

>

your boat. Use a premium marine polish, wipe with a microfibre cloth and then wax.

maintenance shop, Mark DeMercado of Kirk Marine

Superior Auto has a Rundquist Propeller

Tel: (345) 946 3575

Certification as well as a machine shop to fix

www.kirkmarine.ky

your boat propeller so it looks like new.

Kirk Marine has one of Grand Cayman’s most

SE E AD OP P OSI T E PAG E

well stocked fishing tackle, boating, and marine stores and carry all the major brands. They have a full service boat yard and are authorised distributors for Evinrude, Johnson and SeaDoo. They always have a full inventory of Evinrude motors and Sea-Doos. Their parts department has a large inventory of trailer parts, engine parts and boat repair supplies. SE E AD PAG E 230

Tel: (345) 949 6672 Email: info@mooremarineservices.ky Pro Yacht

MAINTAINING A BOAT If you buy a boat you might want to bear in mind that salt and sun mixed together are a perfect cocktail for rust and for making your boat age very quickly! Taking a few minutes to hose down the boat with a little fresh water is probably one of the best maintenance procedures you can do. This will cut down the chance of corrosion on your engines, Bimini tops, snaps and other metal parts. It is recommended that you do the following:

>

Email: info@proyacht.ky

Flush your outboard motors each and every time you take out the boat.

Tel: (345) 945 4676

>

Give your boat a soapy wash using a

Dealers for Robalo, Viking Yachts, Jupiter and

premium

marine

non-phosphate

and

Kawasaki watercrafts.

non-toxic “boat wash.” This will ensure that you are getting rid of any contami-

Scotts Marine

nants from the sea, while keeping all your

Tel: (345) 949 4186

waxes on and the environment safe. Never

All washing, waxing, polishing and compounding can be applied on all painted or gel-coated, fibreglass or urethane surfaces including the engines and engine covers, interior floors and gunnels, to keep them all shining like new. Invest in good covers for your boat and engine to prolong their life. Blocking out the sun is by far the best solution to keeping everything in pristine shape. Don’t forget to give your trailer a fresh-water wash down every time you launch your boat. To keep it in tip-top shape remember to use a non-slip floor cleaner for your boat floors, marine aluminium cleaner for the aluminium top, detailing spray, premium marine vinyl cleaner and protector for all vinyl. To prevent those snaps from freezing up, get a jar of petroleum jelly and a small hard bristle paint brush and apply liberally. Help protect the underside of your boat by coating it in an anti-fouling paint at least once a year, which will protect it from barnacles and algae. When you do need to clean the bottom of your boat, be extra cautious when using caustic products to remove biological growth (which grows as

Email: info@scottsmarinecayman.com www.scottsmarinecayman.com Located at Barcadere Marina on North Sound Road, Scotts Marine is a full service marine centre, featuring a boat yard with a 110-tonne haul-out capacity and a 15,000sq ft showroom, chandlery and service centre. They are Cayman’s only authorised Mercury Marine dealer, as well as being authorised dealers for Yamaha, Volvo Penta and Yanmar engines; providing manufacturer-backed warranty and a factory trained and certified service team. They are also dealers for Tiara yachts, as well

»

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

233

16

B OAT I N G

MooreMarine Services

If it is starting to show its age, then polish


a result of the boat being in the water too long). They will get the job done in a hurry, but make sure you get the appropriate safety gear for your hands and eyes and a good face mask with filters. A marine detailing product will fix plastic that has a cloudy finish. And, most importantly, make certain that the products used don’t degrade our waters or endanger aquatic life. Marine cleaning products can be picked up at Automotive Art, Harbour House Marina, Kirk Marine and Scotts Marine. Repairing Boat Upholstery All Marine Upholstery Tel: (345) 321 2424

Award Winning Environmentally Friendly Marina

Showroom, Chandlery Haul-out & Boat Yard

Email: admin@allmarineupholstery.com Suppliers of custom-fitted boat covers, boat seats, cushions and bolsters, boat enclosures and Bimini tops, as well as marine carpets etc.

16

B OAT I N G

• Grand Cayman’s only true ull service marina acility • Located in George Town, right next to Owen Roberts International Airport • Accommodating vessels up to long and ma dra t • Metered power and water at every slip and ree WiFi • Lu ury washrooms with showers and lockers • Sa e, secure and well lit, with nightly security and CCTV

• Featuring boats rom Tiara, Pursuit, Grady White, Cobalt, Bayliner Trophy and Starcra t • ow eaturing obie Stand p Paddleboards, Kaya s and Sailboats • ealers or Mercury Marine, Yamaha, Yanmar and Volvo Penta motors • Boat yard with ton Marine Travel Li t • Service center and chandlery • avorite brands Open Hours | Mon to Sat 8am - 5pm

Fuel Station & Convenience Store

Yacht Club, Restaurant, Bar & Clubhouse

• Valvetect marine uel specially ormulated or marine engines • Land side and doc side uelling • elivery available right to your boat or generator • Complimentary doc side sewage pump-out • Ice, bait, snac s and re reshments

• Local and International cuisine with an emphasis on resh sea ood • Casual water ront and poolside dining • Fresh catch every day • Arrive by land or sea, lots o parking or cars and boats • Pri ate Clubhouse or parties and events, contact us or rates

Open Hours Mon to Sun, 7am to 7pm

Open Hours: Mon to Fri, 11am to 9pm kitchen closes, Sat & Sun, 8:30am to 9pm kitchen closes.

Boat Storage Many of the major marinas provide boat storage, or alternatively contact Boating Made Easy on Tel: (345) 749 7555. BOAT LICENSING FEES The Government imposes an annual fee on vessels in Cayman which is collected by the Port Authority. It is the duty of a boat owner to complete a licensing form and let the Port Authority know of any changes. Boats under 21ft are free, 21-30ft CI$200 p.a., 31-40ft CI$1000 p.a., 41-50ft CI$2000 p.a., 51-60ft CI$3000 p.a., 6170ft CI$4000 p.a., 71-80ft CI$5000 p.a., 81-90ft CI$6000 p.a., 91-100ft CI$7000 p.a. and all boats over 100ft CI$10,000 p.a. Commercial boats also need to be licensed but there is no licensing fee so long as a valid business license is submitted with the application. Jet skis for private use are free. Jet skis for commercial use are CI$150 p.a. To download a form visit www.caymanport.com/Forms.php. BOAT INSURANCE Boat insurance is not compulsory in Cayman and hard to get. Your bank will probably require it if you have taken out a loan to finance your dream. Ask the

234

CAYMANRESIDENT 2018

»


company that insures your house if they will also insure your boat.

service boatyard with a 110 ton marine travel-

Kaibo Marina

lift and a 15,000 sq ft sales and service centre

Open to boaters using the Kaibo Restaurant

representing all of the top marine brands. The

& Bar is a brand new 26-berth Poralu Marina

MARINAS & MARINE FUELING STATIONS

Barcadere Marina is also home to the George

floating dock. Its environmentally-friendly

MARINAS The Cayman Islands are a British Territory and, as such, are a highly regulated jurisdiction with entry to the islands controlled exclusively by C.I. Immigration and H.M. Customs. The official port of entry for Grand Cayman is the main port on the West coast of George Town. All vessels wishing to clear into Cayman must notify C.I. Port Security via VHF 16, upon entering Cayman waters. Without exception, all vessels must contact Port Security on VHF channel 16 once arriving within 12 miles of the islands for instructions on how to proceed. It is entirely up to Port Security to direct you to your clearing-in point as determined by Customs and Immigration, and failure to notify the authorities of your arrival in Cayman waters or to comply with Port Security instructions can result in fines and penalties for the vessel. However, with advance notice, and timely receipt of relevant documentation, it is also possible to request Customs and Immigration clearance for visiting vessels at the Barcadere Marina, in George Town.

Town Yacht Club, a casual waterfront bar and

design includes light-holes punched into

restaurant, with your choice of inside, poolside

the walkway to allow marine life to flourish

or dockside dining. The food is delicious, well

underneath as well as replacing posts with

priced, and it is a recipient of Tripadvisor’s

anchors to reduce any negative impact to the

Certificate of Excellence. You can contact them

sea floor. Sporting features such as online

on (345) 949 3743 or visit www.barcadere.

booking, electricity and water hook-up and

com. SE E AD OP P OSI T E PAG E

locked-gate walkways, the 26 boat slips are available for short term, overnight and long

The Cayman Islands Yacht Club and Marina

term rental. Contact them at marina@kaibo.ky.

The CI Yacht Club and Marina, which can be found in Governor’s Creek on the West side of Grand Cayman, underwent massive improvements and upgrades in 2014: the marina, which can cater for up to 166 boats of varying sizes (30 to 140 feet long with a draft of 6.6 feet) welcomes both large commercial operations and small privately-owned boats. There is a new high-tech docking system called Poralu Marine. There is also a fuel depot for both boats and vehicles, wet slips, individual pump-out systems, as well as power stocked convenience and liqour store, bar and chandlery. The Yacht Club also offers a whip panel, which allows onboard refilling of dive tanks – a great convenience to commercial dive operators. Led by a team of experienced marina professionals, the new facility offers

The Barcadere Marina

24-hour property management and enhanced

The Barcadere is a world class, award-winning

security services with individual dock key card

marina located in George Town, right next to the

access and patrols. To contact them for more

Owen Roberts International Airport. It features

information or to rent a dock call (345) 747

direct access to Grand Cayman’s North Sound

2492 or email: ciyc@candw.ky.

and other local attractions such as the world famous diving on the North Wall and indeed

Harbour House Marina (HHM)

the entire Northwestern Caribbean Sea. The

Harbour House Marina is Cayman’s longest

marina offers berthing for boats and yachts

established full service marine facility and is

up to a maximum of 8ft draft, with individually

located at the end of Marina Drive in Prospect.

metered water and power. There are luxury

They also offer canal dockage for visiting

washrooms, free wireless internet and nightly

yachts with direct access to the sea and free

security, all in a safe and secure environment.

showers, wifi, laundry, electricity and water.

In addition, their dockside fuel station, Scotts

HHM sells premium gas and diesel imported

Landing, features premium ValvTect marine

from the USA. Full dockside maintenance

fuel and offers a complimentary sewage pump-

services are offered as well as boat storage

out service to their customers. Also located

with 24hr security on site. Tel: (345) 947 1307

onsite is Scotts Marine, the Island’s exclusive

or visit www.harbourhousemarina.com.

Mercury Marine dealer, which features a full

SE E AD PAG E 228

»

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

235

16

B OAT I N G

and water on each slip and Anchor’s - a fully

MARINE FUELLING STATIONS On the North Sound there are three marine fuelling stations – Scotts Landing at the Barcadere Marina, the Cayman Islands Yacht Club on Governor’s Creek and Harbour House Marina on the West side of the Sound. All three sell gasoline and diesel. Kaibo is not currently selling fuel. No ethanol gasoline is sold at marinas in Cayman and the only land-based location is at Refuel in the Industrial Park. Scotts Landing offer a fuel delivery service. Alternatively, the dockside pumps are open seven days a week. Please note that Cayman Islands Law states that all fuel stations must display their fuel prices (within sight of the fuel dispensers) in CI dollars and imperial gallons. However, most marine and mobile fuel providers dispense fuel in US gallons, which is almost exactly 20% less per volume than imperial gallons. Make sure that you are being charged appropriately. After a lot of pressure from the general public, the diesel now being sold in Cayman is ultra-low sulphur diesel. However, it is worth checking which marine fuel stations add a lubricity booster to their fuel to help prevent deposits accumulating in fuel injector pumps. Scotts Landing, located at the Barcadere Marina, is the island’s exclusive dealer for ValvTect Marine fuel, which has a very sophisticated combination of additives to ensure the best performance from your boat or watercraft, but can be used in generators, cars and other vehicles. They guarantee to use low sulphur diesel


and the additive they use boosts the cetane level and the lubricity of the fuel. Scotts Landing also offers a complimentary sewage pump-out service to their customers. GETTING OUT ON THE WATER

BOAT LEASING CLUB For those who think they might only be in Cayman for a couple of years but still want to get out on the water, or for those who don’t want the associated costs of maintaining a boat, joining a boat club may be a good solution. Leisure Boat Club Boutique service offering an exclusive boating lifestyle to its members without the hassles of ownership. Tel: (345) 916 5572, email: info@ leisureboat.ky or www.leisureboat.ky.

B OAT I N G

16

BOAT RENTALS Cayman has an abundance of wonderful boat operators who offer everything from bare-boat rentals to private charters on a motor or sailing boat. For those who want to get out on the water, visit the Sandbar and the stingrays, snorkel the coral gardens, take a sunset cruise and explore the North Sound, there are a few great options suggested over the next couple of pages. You can also find more information, including times and prices, by picking up a copy of Explore magazine or by visiting www.explorecayman.com. If you want to rent a sailing dingy, catamaran or J22, then a great option is to call the Cayman Islands Sailing Club (Tel: (345) 947 7913) or visit www.sailing.ky.

TOURS & PRIVATE BOAT CHARTERS Numerous companies offer North Sound boat and snorkelling trips, either for a half-day or a full-day. Group tours are a great way to get out on the water for a reasonable price, however during the week the boats are often busy with tourists and cruise shippers. If you want a quieter trip, ask if they have a smaller boat and specify that you don’t want to join a ‘cattle’ boat! Half-day trips usually include stops at the Sandbar to feed the stingrays and a stop at the Coral Gardens and the reef to snorkel. Full-day trips with a local boat operator include all the stops as mentioned above but also include conch hunting (when in season) which they will then marinate and serve on-board, and a delicious local seafood lunch either cooked and served onboard the boat or on the beach at Cayman Kai. The following is a list of operators who run private charter and group boat trips in the North Sound: Crazy Crab (Tel: (345) 927 2722) provides private boat charters to Stingray City and other areas of the North Sound. Activities include stingray encounters, reef fishing, snorkelling and tubing. Visit www. crazycrabcayman.com. Tours Cayman (Tel: (345) 916 5478) does half-day snorkelling, Stingray City trips and turtle farm visits. Frank’s Watersports (Tel: (345) 925 2783) runs half and full-day snorkel lunch outings as well as deep-sea fishing and Stingray City trips. Sail With Friends (Tel: (345) 548 8060) offers sail or powerboat trips, including an early tour to Stingray Sandbar. Charter

SECURE BOAT & TRAILER STORAGE Used Boat Sales • Buff, Wax Detailing Launching & Hauling • Fiberglass & Paint Repairs Monthly Boat Maintenance • Gelcoat Repair Mechanical & Electrical Services boatingmadeeasy@gmail.com 236

CAYMANRESIDENT 2018

(345) 749 7555

»

www.bmecayman.com

(Tel: (345) 945 4340) and Captain Marvin’s (Tel: (345) 945 6975) offer daily half-day and full-day lunch snorkel trips. Local residents can expect to pay US$30 for a half-day and US$50 for a full-day. Captain Marvin’s now also run a Stingray, Starfish and Crystal Caves tour for US$99. Charter Cayman (Tel: (345) 923 4266) and Cayman Luxury Charters (Tel: (345) 938 2525) specialises in private boat charters. Alternatively, Six Senses Cayman Adventures (Tel: (345) 938 3303) offers a six-hour eco-tour that stops at Stingray City, Starfish Point, Coral Gardens and Kaibo or Rum Point for lunch. Oh Boy Charters (Tel: (345) 949 6341) offers half and full-day fishing and/or snorkelling charters, as well as sunset dinner cruises on one of their four boats. They can also offer two to three day offshore deep sea fishing charters. White Sand Watersports (Tel: (345) 938 7263) offers a daily sunrise Stingray City trip that is very popular and can guarantee you will be the first people of the day to swim with a fever of very hungry stingrays! Cayman Ferries runs a ferry service from Camana Bay to Rum Point and Kaibo and back. The 30-seat ferry leaves Camana Bay every 2-3 hours with a variety of optional return times. Book with the Camana Bay Discovery Centre for a discount rate of US$20 per roundtrip. (Tel: (345) 325 7777.) For something different, Action Watersports (Tel: (345) 548 3147) offers two-hour jet ski Stingray City tours or you can rent a jet ski by the hour and do it yourself. Cayman Nature Tours/John Michael Stafford (Tel: (345) 925 1961 or email: jmvbs@candw.ky) offers private Stingray City reef snorkelling eco-tours on a 27ft Boston Whaler for up to ten people, and Stingray City Sandbar and beach charters on a J-22 sailboat for groups of up to four people. He comes highly recommended. Boat Headquarters

SAILING Sailing Charters If you would prefer a sailing boat tour then Sail Cayman (Tel: (345) 916 4333 or email: neil@sailcayman.com) offers exclusive private sailing and powerboat charters


seven days a week for full or half-day charters plus sunset sails. From their secret wreck spot, to the world famous Stingray City, Rum Point and Starfish Beach, their trips include all the gear, soft drinks, food for the stingrays and can include lunch and dinner stops at one of five different restaurants. Neil Galway is RYA Yacht Master Certified. Point Blue Sailing offers full or half-day snorkelling trips, with lunch and dinner options also available. For more information call Dean (345) 925 7772 or visit their website www.pointbluesailing. ky. Red Sail Sports boasts a fleet of five 65’ luxury sailing catamarans which offer daily trips to the famous Stingray City Sandbar, as well as snorkelling trips along Seven Mile Beach, including the Kittiwake wreck. Resident discounts available. (Tel: (345) 623 5965.)

Sailing & Yacht Clubs There is quite a large sailing community in Cayman. If you are a keen sailor you will want to join the Cayman Islands Sailing Club (Tel: (345) 947 7913) and start sailing in the ideal conditions on the North Sound. Sailing lessons for adults and children are available throughout the year. Dinghy racing usually takes place on the first Sunday of the month, with J-22 racing on the second and fourth Sundays of the month. Boat owners are always looking for more crew. There are also opportunities for those with their own larger sailboats, as the

FISHING

Fishing Trips & Tournaments Numerous companies also offer deep sea fishing trips, including Oh Boy Charters (Tel: 345 949 6341) offer deep sea or reef fishing at night and a local seafood lunch and/or dinner on-board can be arranged. Other options include Captain Alfonso of White Rose Charters who takes people for bone, tarpon, reef, drift and deep sea fishing. Full-day tours include lunch on the beach if requested. Call (345) 929 8825 or (345) 325 1472. Finally, Slackem Charters (Tel: (345) 326 4765) or Captain Marvin’s (Tel: (345) 945 6975) can both take you out fishing for marlin, wahoo or tuna. The cost for a privately chartered fishing vessel can run from US$600 (small boat/ half-day) to US$1800 (big boat/full-day). Visit www.explorecayman.com for more information. Cayman’s annual fishing tournaments are hugely popular and greatly anticipated by residents and visitors alike. The Cayman Islands Angling Club, in conjunction with the Barcadere and other major sponsors puts on five tournaments during the year, including the annual Cayman Islands held International Fishing Tournament, every year in April or May. Exact dates depend on the moon. Call (345) 945 3131 or email: fishing@candw.ky for more information. The weigh-in station for most of the Island’s fishing tournaments is held at the George Town Yacht Club based at the Barcadere Marina. Light Tackle Game Fishing Bonefish, Tarpon and Permit can be caught in all three islands, but Little Cayman is renowned for in-shore gamefish and there are some spectacular fishing opportunities for those who are into the sport. Bonefish can be found on the ‘flats’; these are inshore waters that are typically shallow and covered in turtle grass. In many areas of Little Cayman you can find these flats right along the edge of the coastline but there are also good flats in Grand Cayman and in Cayman Brac. Bonefish are usually less than 12 pounds and they are known

»

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

237

16

B OAT I N G

Evening Sailing For evening sailing trips the options include Sail Cayman (Tel: (345) 916 4333) who offer sunset and dinner sails seven days a week, Sail with Friends (Tel: (345) 548 8060) or one of Red Sail Sports’ (Tel: (345) 623 5965) several evening sailing options on one of their 65ft catamarans. Cruise the coastline of Seven Mile Beach on their popular Sunset Sail or dine onboard their Dinner Sail with food served fresh off the barbeque. Another popular choice is the catamaran ferry to Rum Point Restaurant which operates Tuesday – Saturday or the Rum Point Beach Barbeques on Mondays.

cruiser fleet arranges periodic races, rallies to the Sister Islands and Cuba, full moon sails and get-together sailaways. The Sailing Club has a scenic clubhouse overlooking the North Sound and often hosts parties and socials. Joining the club is a great way to meet people. Various different types of sailing boats (whether for children or adults) can be rented by the hour, half or full-day and members get a discount. New members are warmly welcomed. Annual family membership costs CI$450 per year or CI$320 for an individual. Summer Camp is CI$375 per week with a lunch option of CI$40. Contact Coach Rebecca Calvert to sign up for camp or sailing lessons at sailingcentre@sailing.ky. Corporate Camps are available for adults to learn to sail while building teamwork skills. Contact Head Coach Raph Harvey at coach@sailing.ky for information about corporate camps, school lessons, sponsorship and their sailing programme. If you would like to subscribe to the weekly newsletter to find out what is going on, contact Rebecca Calvert at admin@ sailing.ky. You can also visit www.sailing. ky or their Facebook page. As a side-note, members of the Sailing Club receive a 10% discount on chandlery at Harbour House Marina and Compass Marine Chandlery. Another option is the George Town Yacht Club (GTYC) based at the Barcadere Marina at the end of North Sound Road in George Town. The GTYC includes a club house with a restaurant and bar, changing rooms with showers and lockers and a recreational pool with a fountain for families and kids. Anyone can dock their boat right up to the restaurant and bar, which offers a casual “back porch” dining experience, where fresh seafood and local ingredients meet to create a menu that is a fusion of Caribbean and International cuisine. This family-friendly facility provides a full roster of events and activities, regularly attracting the larger public on weekends, and also serves as a popular private party venue. For more information email: info@barcadere. com or call (345) 949 3743.


B OAT I N G

16

as the ‘grey ghost’ or ‘phantom’. Pound for pound they are one of the fastest and strongest of all the salt water fish species. They are considered to be among the world’s premier gamefish and are highly sought after by anglers. On the South side of Little Cayman there is an inland pond called Tarpon Lake that is literally teaming with tarpon, otherwise known as ‘Silver King’. These particular fish (in Tarpon Lake) never seem to grow above 15 pounds but they can be taken on the flyrod and with spinning tackle. It is impossible to access the fish in the lake without a guide because you really need to use one of the little boats and row around; the bottom of the lake is not suitable for wading because the mud is deep, and the perimeter of the lake is a dense thicket of red mangrove. Early in the morning is the best time to go and if you get there shortly after sunrise it is possible you may witness what is known as the ‘tarpon frenzy’: basically the Gambusia minnows (a small bait fish) get pinned against the edge of the pond by a large number of the tarpon, and the minnows are unable to shelter in the roots of the mangroves because waiting along the banks are hundreds of herons and egrets. The birds crowd the edge of the mangroves and strike at any minnows within reach. It is an awesome spectacle with a constant roar of tarpon hitting the surface as they gorge themselves on the bait fish. During this frenzy it is almost impossible to avoid catching a fish if you present the fly or lure anywhere even close to the action. If you are interested in going on a fishing adventure in Little Cayman then call the Southern Cross Club and arrange for a guide to take you. Fishing Restrictions Anyone can fish from the shore or from a boat in deep water but there are very strict rules on the size of fish you can catch and there are some fish you must immediately release if you catch one by mistake. The rules are as follows: Jew fish (goliath grouper), tilefish (whities), filefish (pipers) and angelfish, 238

CAYMANRESIDENT 2018

»

including Grey, French and Queen angels (old monks) are all protected and you are not allowed to take them from Cayman waters at any time or place. Of the fish that you can catch, there is an 8” minimum size on all other fish except goggle eyes, herrings (including sprats), anchovies and silversides (including loggerhead and fine fry). However, there are different rules on Nassau groupers: There is a 12’’ minimum catch size throughout all of the Cayman Islands, year round, and no Nassau groupers can be caught using a speargun. No one may take Nassau grouper from a Designated Grouper Spawning Area from November 1st to March 31st, and no fishing (by line or speargun) can be done within a mile radius of a Designated Spawning Area. The same applies to fish pots. If you see any fishing taking place in or around a Grouper Spawning Area please call 911 immediately and a police boat will be sent out to investigate. Designated Grouper Spawning Areas In accordance with DoE regulations, the designated areas are: Coxswain Bank and South West Point in Grand Cayman; East and West End of Cayman Brac, Little Cayman and the Twelve Mile Bank. Licences For Fish Pots & Spearguns Fish pots and spearguns must be licensed by the National Conservation Council and only Caymanians over the age of 18 may be granted a licence. Please email the doe@ gov.ky for more information. Lionfish Hunts & Culling Licences Lionfish are an invasive species and a significant threat to our marine ecosystem. Lionfish can lay up to 30,000 eggs every four days, reach reproductive maturity within a year, consume the majority of small fish on a reef within a relatively small amount of time, and have no natural predators in the Caribbean Sea. Divers, snorkellers and fishermen can obtain a permit from the DOE to cull lionfish. For more information, contact the DOE on (345) 949 8469, doe@gov.ky

or visit their website: www.doe.ky/marine/ lionfish-invasive/. Please be aware that lionfish are extremely venomous. Do not attempt to catch one without proper DoE training and a licence. MARINE RULES & REGULATIONS

Anyone using Cayman waters is obliged to familiarise themselves with the applicable boating, marine and environmental laws. See the Port Authority’s website (www.caymanport.com) for boating and navigational laws and the Department of Environment’s website (www.doe.ky) for marine and environmental laws. These include catch and size limits for various fish, open and closed seasons and restrictions in each of the four types of marine protected areas. You can also download a map showing the Marine Park zones and fishing regulations or an app with an interactive map of the zones and regulations. Breaches of the law are treated as serious offences and anyone committing an offence against the National Conservation Law and its regulations is liable to a maximum fine of CI$500,000, a year’s imprisonment, or both. Call 911 to report conservation offenses. Lobster, Conch & Other Catch Limits Lobster season is closed from 1st March30th November. Conch season is closed from 1st May-31st October. Lobster catch limits in open season are three per person, per day or six per boat, per day, whichever is less. Lobster tails must be a minimum size of six inches and only spiny lobster (P. argus) can be taken. Conch catch limits are five per person per day or 10 per boat per day, whichever is less. Lobster and conch may never be taken from a marine protected area. Whelk season is closed 1st May-31 October and the catch limit is two-and-a-half gallons in the shell or two-and-a half pounds of processed whelks. Nassau grouper closed season is 1st December-30th April. During the open season the catch limit is five per person or five per boat per day, whichever is less, and only fish between 16 inches and 24 inches


(inclusive) may be taken. Also no one may spear Nassau grouper. All of the above rule apply to the purchase of lobster, conch, whelk or grouper caught from Cayman waters as well. Echinoderms (including starfish, sea eggs, urchins, sea cucumbers, sand dollars etc.) and elasmobranchs (sharks, stingrays, other rays) may not be taken from Cayman waters at any time. No one may disturb, harass or harm turtles. Furthermore, no one may take turtles in Cayman without a licence. Possession of turtle eggs is prohibited. No on may use food to attract any shark in Cayman waters. For a list of protected fish please go to www.doe. ky. Taking any marine life (alive or dead) while on SCUBA is prohibited. Do not wear gloves while diving or snorkelling. Damaging Coral anywhere, in any manner, is illegal. No dumping anything in the sea. Marine Park Regulations & Anchoring Cayman’s Marine Parks were put in place in 1985; however, with the environmental

stressors that small countries such as the Cayman Islands are facing, including declining fish populations, reef degradation, climate change, rapid population growth and development, it will be extremely important for the Marine Parks to be expanded in the near future. You are not permitted to take any marine life, whether alive or dead within a Marine Park zone. Line fishing from shore is permitted (see catch limits above), as is line fishing at depths of 80ft or more. Taking fry and sprat with a fry or cast net is allowed. NOTE: fish traps, spear guns, pole spears and other nets are totally prohibited. No anchoring is permitted; only the use of fixed mooring is allowed. The exception to this is: boats of 60ft or less may anchor in sand, so long as no grappling hook is used and neither the anchor nor the rope or chain will impact coral. Anchoring is also permitted in designated Port anchorage areas – contact Port Security on VHF channel

16. In Bloody Bay, Little Cayman, special restrictions have been placed on the use of the Bloody Bay Marine Park; no commercial operations may use the park without a licence. Replenishment Zone Regulations In Replenishment zones, line fishing and anchoring are permitted, as long as you do not damage coral. Taking conch or lobster from this zone by any means is prohibited. Lines, anchors or chains also must not impact coral in any way. Environmental Zone Regulations Restrictions in the Environmental zone are strictly enforced. No marine life, whether alive or dead, can be taken. There are no exceptions. No in-water activities are permitted. The public may only access the zone at speeds of five mph or less and there is no anchoring of any boat. Please note that line fishing, fish traps, nets and spear guns are strictly prohibited.

16

B OAT I N G

rafe@avalonmarine.ky www.yachtworld.com/avalon

Âť

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

239


diving Photos courtesy of Cathy Church @ CathyChurch.com

Cayman is one of the top dive locations in the world. Read on and learn how you can enjoy this incredible underwater experience.

DIVING

17

240

Wreck Diving - Kittiwake - Cali - Balboa - Oro Verde - Carrie Lee - Doc Polson - Keith Tibbetts, Cayman Brac

241 241 241 241 241 242 242 242

Snorkelling Sites Dive 365 Diving Areas Lionfish Coral Nurseries Respecting the Reef

241 242 242 242 242 243

Learning to Dive - Adult Open Water Courses - Dive Courses for Children

243 243 243

Dive Trips

244

Advanced Diving - Advanced Diving Courses - Technical Diving

244 244 244

Free Diving Local Dive Operators Underwater Photography Lessons

245 245 245

CAYMANRESIDENT 2018

»

T

he Cayman Islands are world renowned for their incredible scuba diving and snorkelling. With virtually no currents, outstanding underwater visibility, warm and calm sea, Cayman has amazing wall dives and beautiful coral reefs and wrecks to discover. If you are ‘dive-curious’ there are a host of dive operators that can teach you how to dive, improve your skills, or even turn your passion into a career. Indeed, the Cayman Islands offer a wealth of opportunities for anyone interested in getting in, under or on the water at every skill level. 2017 saw the Cayman Islands continue to attract a great deal of recognition for diving. This year the Islands were voted the Best Overall Diving in the Caribbean/Atlantic. It also appeared in the top five for the following readers’ choice awards by Scuba Diving Magazine: Best Wall Dives, Best Dive Sites, Best Wreck Diving, Best Dive Operators and Best Dive Resort. The Cayman dive industry has not just been receiving awards, it is also continuing to do its best to protect its most precious resource. Cayman is hyper-aware of the importance of the coral reefs to not only the island, but also its waters and dive industry. In 2016 Cayman introduced its first coral nurseries with the aim of growing coral to be used to help repair damaged reefs, as well as develop new reef systems. In addition, Cayman is also actively pursuing its lionfish culling programme by encouraging divers and dive operators to remove as many lionfish from Cayman waters as possible. Read on to find out more about these initiatives.


WRECK DIVING Wreck diving is becoming increasingly popular as it provides a dramatic diving experience. There are a number of spectacular wrecks situated around the Cayman Islands and as more marine life inhabits these sites, the better they get. It’s fair to say that the following dive sites should be at the top of any diver’s list.

site and all vessels, commercial and private, are

Balboa Situated among small surrounding

required to be licensed through CITA. Private

reefs, the wreckage of this 375ft freighter is

vessels can also be licensed to visit the site. For

home to a large variety of fish and coral. It lies

safety reasons, it is not advisable to swim to the

approximately 150ft off the west coast of the

Kittiwake from the shore. There is a significant

Island at a depth of 40-50ft. You can explore

amount of boat and jet ski traffic that travel

the ship’s stern section and swim over the

at high speeds through this area. If you would

three-bladed propellers. The wreck is situated

like to dive or snorkel the Kittiwake, you must

around the cruise ship docking area and so is

go with a licensed operator, so contact the

only accessible by boat and never when the

Cayman Islands Tourism Association (CITA) for

cruise ships are in port. It is a popular night dive.

The Kittiwake The 251 ft decommissioned

a list of licenced operators to plan your trip. The

It is recommended you use a diving company for

military ship, the ex-USS Kittiwake, is the most

fees are CI$8 per day to dive and CI$4 per day

this dive. If the new cruise ship dock is built, this

popular dive site in Grand Cayman. She received

to snorkel. You can also get an annual pass for

wreck is scheduled to be destroyed or moved.

a TripAdvisor Certificate of Excellence in 2016

CI$25 or a lifetime pass for CI$200. The cost

So dive it while you still can.

and is consistently rated one of the top 10 wreck

to licence your private boat is CI$50 a year.

dive sites in the world. The ship rests in 64ft of

Visit www.kittiwakecayman.com for more

Oro Verde This 84ft steel cargo vessel is

water off the northern end of Seven Mile Beach

information.

popular among wreck divers. It can be found

and the bridge and smoke stack lie less than 15ft

40-50ft below the surface and about 100ft

from the surface, making it ideal for snorkellers

Cali Less than 40 yards off-shore of George

off Seven Mile Beach, so it is not suitable for a

and divers. The Kittiwake is situated in a marine

Town and 20-30ft deep, the wreck of the Cali

shore dive. The amount of marine life available

park which is protected under Cayman law and

is an easy and enjoyable dive for beginners. The

for viewing is spectacular considering how

means that nothing can be touched or removed.

220ft steel schooner, which rests in pieces on

shallow the wreck is. Unfortunately the ship has

Wearing gloves and fishing (other than lionfish

the sea floor, is easily accessible from the shore

collapsed somewhat due to the elements, but

culling) are prohibited.

and you can swim out to it in under a minute.

the real stars of this wreck are the animals that

There is an entry fee to snorkel or dive the

make it their home, like the massive jewfish that DIVING

Snorkelling Sites George Town Around George Town waterfront you will find a mass of coral heads, caves and abundant fish life. North Sound Here you will find the world

STATE OF THE ART DIVE BOATS LEARN TO DIVE IN OUR TRAINING POOL

Excellent resident rates

famous Sandbar and Stingray City, where you can feed and interact with stingrays

Learn to dive

in only 3ft of water. The Coral Gardens are nearby, where you will find corals and fish.

10% off all training for residents and their families

Both sites are only accessible by boat. Seven Mile Beach The main snorkelling

Boat and shore diving

area here can be found at the north end of Seven Mile Beach at Cemetery Reef, which is about 100 yards offshore, but often in less than 10ft of water. West Bay Down the road from the

17

KITTIWAKE SHIPWRECK DIVE AND SNORKEL TRIPS

218 South Church St.

Cayman’s premier dive shop for 30 years!

George Town

Cayman Turtle Centre is Lighthouse Point

949-5679 945-5132

and Cobalt Coast Dive Resort, which are

dfd@donfosters.com

STINGRAY CITY DIVE AND SNORKEL TRIPS

Snorkeling

great sites to find elusive sea turtles. WELCOME TO DON FOSTERS DIVE

»

Photo Credit: D. Inose

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

241


has come to be known as George, the moray eel

Though the 100ft cable layer sank back in 1982,

named Kermit and Puff the barracuda.

it is still 80% intact and is populated with diverse marine life, making it one of the most popular

Carrie Lee For those who are Trimix certified,

dive sites in Cayman. It is recommended to use a

the Carrie Lee is recommended as a more

boat to get to the site, as there is some boating

challenging and technical dive. The 185ft

traffic around the area.

freighter is completely intact and rests at a depth of 180-260ft off the south-west coast.

Keith Tibbetts, Cayman Brac This 330ft

The wreck is teeming with wildlife and provides

Russian brigadier was sunk in 1996 and is home

a great diving experience. However, divers

to thousands of fish, turtles and grunts. Lying

should take caution against the currents that

about 200 yards off shore and 56ft underwater,

surround this wreck and keep an eye on their

it’s the only Russian warship in the Western

gas. You must use a dive company for this dive.

Hemisphere available for scuba diving. In 2004, a storm broke the ship in two and her bow

Doc Polson 150 yards off Seven Mile Beach, just

now sits at a 45 degree angle. Although her

past Cemetery Reef, lies the Doc Polson wreck.

amidships have become a debris field, she is still a popular dive site. The drop off to the wall

Diving Areas

is only 100ft away from the wreck and extends down thousands of feet giving divers the option

East End Dramatic coral and wall diving.

17

of exploring the wall as well.

reef sharks, nurse sharks and even

Dive 365 Dive 365 is an exciting programme that has developed a total of 365 separate dive sites around the Cayman Islands, giving divers a unique dive site for every day of the year. As well as enabling divers to explore the magnificent underwater world, the programme also allows sites to be rested. The diversity of sites offers dive options for all skill levels. Divers can explore 235 dive sites in Grand Cayman, 65 in Cayman Brac and 66 in Little Cayman. For more information call CITA on (345) 949 8522 or visit dive365cayman.com. Additionally, idivecayman.com provides HD footage and diver reviews of each of the 235 dives in Grand Cayman, making it a helpful resource when deciding on a particular site.

hammerheads can occasionally be seen. George Town Coral, caves and tunnels at

DIVING

Eden Rock and a mermaid at Sunset House, just south of George Town. Look out for the tarpon! North Wall Most dive sites on ‘The Wall’ are only accessible by boat. See incredible coral wall formations, sheer walls and occasionally eagle rays, nurse sharks, moray eels and all sorts of other underwater wonders. Inside the reef is the world famous Stingray City, where you can interact with stingrays in 12ft of water. West Bay Great shore dives from Cracked Conch, Lighthouse Point and Cobalt Coast. You can access ‘The Wall’ via boat trips or

Lionfish While lionfish are strikingly beautiful creatures with their distinctive stripes and spines, they are also an eco-disaster for the Caribbean and its dive industry. Native to the Indo-Pacific region, it’s believed that an aquarium owner released only eight captive lionfish off the coast of Florida in 1985. They are voracious predators that devour small and juvenile fish and crustaceans in large quantities, as well as

underwater scooters, or the mini-wall from the shore. The wreck of the Kittiwake is found on the Northern end of the West side. Seven Mile Beach Walls and shallow dives of 35-60ft, all accessible by boat. Sister Islands Fabulous unspoiled diving for all levels of dive ability, from shallow reefs and deep walls to the Kirk Tibbetts Wreck.

242

CAYMANRESIDENT 2018

»

competing with native species for space and other food. This, coupled with the fact that they can reach reproductive maturity at less than one-year old and can then lay 30,000 eggs every four days, makes them a major problem in Cayman waters. In order to combat the lionfish, the Cayman community is doing its bit by culling the lionfish. Divers, snorkellers, and fishermen can obtain licences from The Department of Environment (DoE) to remove lionfish from the sea. The DOE and a couple of dive operators (Divetech, Ocean Frontiers and Ambassador Divers) run a 90-minute licensing course that is open to everyone. For more information call the DOE on (345) 949 8469, email: doe@gov.ky or visit www.doe.ky/marine/lionfish-invasive/. Be aware that lionfish are extremely venomous. Do not attempt to catch one without proper DOE training and a licence. When served in local restaurants, however, lionfish is completely safe. A surprising fact is that lionfish is delicious. A white fish, they are mild and flaky when cooked. If you don’t want to catch them yourself, they appear on the menu at Tukka and Eagle Rays Bar & Grill in the East End, Guy Harvey’s in George Town, and sustainable restaurant VIVO. In fact, 250 pounds of the fish are sold to local restaurants every week! This is one reef fish we can eat with a clean conscience! Coral Nurseries For over a year now, four dive operators in Grand Cayman (Divetech, Sunset House, Cayman EcoDivers, Ocean Frontiers), plus the Brac SCUBA Shack and CCMI on Little Cayman, have been growing staghorn coral in small nurseries. With permits from the Department of Environment normally all coral in Cayman is completely protected and should not even be touched - this work has begun to lead to clippings from these nursery corals being planted back out on the reef. Over time they will grow and begin to reproduce more coral themselves. But only if the conditions on Cayman’s reefs stay healthy for corals. And even then, this labour intensive programme


is only effective for a few types of corals. So the best thing we can all do for Cayman’s reefs is not to hurt them in the first place. Locally, when boating, do not anchor in coral; when diving or snorkelling, be careful never to touch the reef and when fishing, obey the Marine Park rules, since a healthy fish population is important to a healthy coral reef. Perhaps the biggest threat to coral reefs is climate change, so anything that individuals or countries can do to reduce their carbon footprint helps Cayman’s coral reefs along with the rest of the planet. Until then, people in Cayman will continue doing what they can, such as growing corals in small coral nurseries.

Adult Open Water Courses The Open Water Course is often completed in as little as three days and is the licence

you need to dive. Many people choose the E-Learning route which allows you to do the class work at home, and then the remainder of the course only takes two days. This option gets you in the ocean quicker and out of the classroom on your days off! Completion of this training is the minimum qualification required to rent equipment, go on excursions and basically get you in and out of the water safely. Many dive operators on the Island offer flexible learning options designed to suit your schedule. Dive Courses for Children The Open Water Course is also open to those aged 10 and up, with children under 15 able to become certified as Junior Open Water divers. Options even exist for you to be taught at home in your own pool. For little ones, there are lots of educational and fun scuba/snorkel activities to participate in. Programmes include SASY (from age five), Rangers or Seals (from age eight), Junior Open

17

DIVING

Respecting the Reefs As the Islands’ greatest natural resource, it is essential that coral reefs are preserved and treated with respect. Divers can responsibly explore the spectacular reefs by following these small steps. Never touch the coral. Whether done intentionally or by mistake, touching the coral can cause permanent damage. Never take pieces of coral as souvenirs. Keep control over your buoyancy so you don’t accidentally touch the reef. Remain aware of your fins and other diving equipment make sure nothing is hanging loose which could brush against the reef. Don’t use toxic sunscreens. Recent studies suggest that most contemporary sunscreens contain damaging chemicals - oxybenzone and oxtinoxate - which even in small doses can stunt coral growth, cause coral bleaching and affect marine creatures like shrimp and clams. Instead use rash guards when you are in the water, avoid spray sunscreen which produces excess chemicals and use reef-friendly sunscreens.

programme, many people try a Discover Scuba Dive first. This ‘mini-course’ consists of a short theory session where you’ll learn the simple do’s and don’ts of diving, get an introduction to the equipment and learn some very basic skills. You will then get to dive in a swimming pool to become acclimatised to being underwater, before finally taking a shallow ocean dive with your instructor. This programme normally takes about four hours and is a great way to see if diving is for you. While the Discover Scuba Dive is a fantastic introduction, it does have its limitations - you have to go with an instructor, you are limited to a shallow depth (40 ft) and you can only dive again with the dive instructor or shop who you completed the course with. If you want to go further, the next step is the Open Water Certification course.

LEARNING TO DIVE

Learning to dive is essential for many new arrivals to the Island. Popular training agencies for diver education and certification are PADI, NAUI, SDI, TDI, IANTD, and SSI, offered by a variety of dive operators in Cayman. Prior to committing to a full certification

»

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

243


Water Diver (from age 10) and of course, guided diving excursions to the shallow reefs, Stingray City and the Kittiwake. Programmes range from pool sessions to ocean adventures, with kids learning about marine life, fish identification, coral reefs, underwater photography or even cruising on an underwater scooter.

DIVING

17

Certified Divers Shore diving is a very popular weekend pursuit. Sunset House, Don Fosters and Divetech are some of the oldest dive resorts on the Island and all boast great shore diving. Ask about resident rates. As a certified diver you can also go on boat excursions. For many, the main reason to dive in Cayman is to explore the most amazing walls and drop-offs. You will soon have your own favourite sites and your conversations will turn to North West Point, Tarpon Alley, Great House Wall, Orange Canyon and coral covered swimthroughs, where you’ll see eagle rays, horseeyed jacks and hawksbill turtles.

Dive Trips Before long, you will be taking two-tank (two dive) trips to explore the renowned beauty of the West Wall, which runs parallel to Seven Mile Beach, the breathtaking North Wall and East End, where the scenery is some of the most dramatic and encounters with large fish are frequent. Generally, dive boats will leave early and get you home for lunch. There are afternoon trips too. The first dive is usually one of the wall dives. Experienced divers will have the opportunity to explore with their dive buddy or have a guide to show you all the critters and not worry about navigation. The best thing about guided dives is that the instructors know where they are going and will show you the best a particular site has to offer. After a short surface interval, you will be on a second dive on one of Cayman’s shallow reefs or wrecks. By exploring the nooks and crannies, you see a host of amazing creatures including lobsters, eels, soft coral, sea anemones and more. The colours will amaze you and are more vibrant due to the increased level of light in shallower water. Sunset House, provides great shore diving and boat dives, as does Divetech. Divetech’s mini-wall is a must see, as is the sunken 13ft sculpture of Guardian of the Reef which is half warrior and half seahorse. Finally, you should also head out to visit Ocean Frontiers in East End to experience dramatic wall dives and caverns. Once you have caught the dive bug, head over to the Sister Islands for a few days of diving some of Cayman’s pristine dive sites - just a 30-minute flight away. You will not be disappointed with Bloody Bay Wall in Little Cayman, with its beautiful drop-offs, corals and marine life. Finally, Cayman Brac is famous for the Wreck of Captain Keith Tibbetts, an interesting and very popular dive site. ADVANCED DIVING Advanced Diving Courses You may want to complete further courses to build on your experience. The Advanced course is next and introduces you to deep diving, navigation diving, plus 3 other

244

CAYMANRESIDENT 2018

»

specialty dives in areas that interest you. The very little classroom study required for the course can also be done online with the remainder of the course completed in the water. Various advanced courses include: underwater photography/videography, search and recovery, stingray interaction, reef awareness, wreck diving, scooters, buoyancy, technical applications and the popular Enriched Air (Nitrox) course. Technical Diving If you are truly adventurous, you can learn to use Rebreathers (devices originally designed by the military that emit no bubbles or noise), mixed gases and techniques for extended-range diving. Technical dives are: dives conducted beyond the 130ft depth limit for recreational diving; dives requiring a decompression stop; dives beyond the light zone or dives into an overhead environment. This type of advanced, extended-range diving requires a commitment to safe, responsible, selfdisciplined diving. Nitrox, Advanced Nitrox, Normoxic, Trimix and Advanced Trimix courses enable divers to safely explore greater depths. This allows divers to dive to the same depths as normal scuba divers, but for a longer bottom time. It also provides an extra margin of safety as it reduces the amount of Nitrogen being on-gassed by your body. A Nitrox course costs CI$125 and one tank of Nitrox will only cost about CI$10 more than a regular tank of air. If you like diving between 100-150ft, Advanced Nitrox enables you to stay safely at these depths for about 45 minutes instead of the usual 10-20 minutes. Normoxic Trimix takes divers to the 200ft range, reducing oxygen content to about 18% and adding helium to buffer the effects of narcosis. For those wishing to go deeper (330ft+), Advanced Trimix and Expedition courses are offered by Divetech. Rebreather diving (Closed Circuit Rebreathers/CCR) is another popular form of diving. CCR equipment allows you to massively extend your dive time. You could spend three hours at 100ft and as


Sunset Divers at Sunset House Hotel

Ambassador Divers

390 South Church Street, South Sound

Tel: (345) 949 4530

Tel: (345) 946 6789

www.ambassadordivers.com

www.sunsethouse.com They have an abundance of experienced, highly

Divetech

professional instructors from all over the

Lighthouse Point, West Bay

world (they can teach in 6 different languages),

Tel: (345) 949 1700

numerous snorkel and scuba diving sites

www.divetech.com

accessible by boat or straight from shore.

Offers shore diving, daily boat trips to Stingray

They also offer discounted resident courses,

City and the Kittiwake, plus night dives. See the

equipment rental, shore and boat diving.

underwater Guardian of the Reef sculpture.

SE E AD PAG E 243

Divers Down

Wall to Wall Diving

North Church St, George Town

Lobster Pot Dive Center, 245 N Church St, GT

Tel: (345) 945 1611

Tel: (345) 916 6408

Don Foster’s Dive Cayman

White Sand Watersports

218 South Church Street, George Town

Wyndham Reef Resort, East End

Tel: (345) 949 5679

Tel: (345) 938 7263

www.donfosters.com

Specialises in smaller dive groups. PADI courses

Located on the waterfront, Don Foster’s offer

and introductory courses are available.

17

luxurious dive boats and professional, friendly staff. Join their daily 2-tank and 1-tank dives or visit the Kittiwake and Stingray City, suitable for both divers and snorkellers. Shore divers and snorkellers enjoy the easy access to Casuarina Point Reef to discover its healthy coral and thriving aquatic life. Don Foster’s offer Discover Scuba Diving classes, Open Water through Divemaster courses, and offers significant discounts to residents and their visiting families. SE E AD PAG E 241 Eden Rock

Underwater Photography Lessons Given the incredible beauty of Cayman’s underwater world, many find themselves wanting to capture it in photographs. The Island offers an opportunity to learn all types of underwater photography, videography and digital image and video editing. Private and semi-private classes are available. Serious dive-certified photographers also have the option of completing their PADI Digital Photography and PADI Videography certifications.

124 South Church Street, George Town Tel: (345) 949 7243

Cathy Church’s Underwater Photo Centre

Eden Rock offers fantastic shore diving and

Sunset House, South Church Street

snorkelling just a short swim from the shore.

Tel: (345) 949 7415

Explore a maze of caves and tunnels just a few

www.cathychurch.com

feet below the surface. Equipment rental/sales

Cathy Church’s offers daily private underwater

and instruction available.

photography courses in the classroom and on shore dives. Classes with Cathy Church

Ocean Frontiers, Ltd.

herself are CI$123 per hour or CI$49 per hour

344 Austin Conolly Drive, East End

if you choose to go with one of her fabulous

Tel: (345) 947 7500

staff. They also rent and sell a full range of

A PADI 5 star dive centre offering try-dives

underwater cameras that come with a free

and open water certification. Their one and

mini-lesson.

two-tank boat dives are extremely popular

Tell them you saw it in the

and they offer weekly lionfish culls. They have a great on-site restaurant and hotel.

»

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

245

DIVING

FREE DIVING Free Diving is a form of underwater diving that relies on a divers’ breath instead of breathing apparatus. It allows you to explore and interact with marine life, without bulky scuba gear and it has many physical benefits such as strengthening your lungs and toning your muscles. Currently, Divetech (Tel: (345) 949 1700) is the only dive operator that offers free diving courses. However, with the increasing popularity of this sport it is expected that other operators will start to introduce lessons. The courses offered vary from a half-day experience to a full certification course. Their Experience Programme is a half-day course that will introduce you to tips and techniques that the world’s greatest free divers have evolved. It is designed for snorkellers who would like to increase their capabilities in the water. The course includes basic classroom lessons, followed by shallow water/pool skills and then open water free diving. For those wanting to pursue free diving more seriously, there is the SSI Free Diving Certification. Level 1 teaches you the proper knowledge to participate in free diving depths of 60ft, as well as develop the skills necessary to train your body to be more efficient with breath-holding, gain better respiration and muscle flexibility. Level 2 expands on what is learnt in level 1 and will teach you the skills to participate in free diving to depths of 98ft. It will also teach you dynamic free diving to 180ft and a static breath-hold for two and a half minutes in the most relaxed and safest manner possible.

LOCAL DIVE OPERATORS

THE

there are no bubbles, you’ll get up closer to the marine life. Rebreather diving courses take three days and cost about CI$400, excluding equipment hire. You may even wish to turn your passion for diving into a career by becoming a dive master. This training develops your skills to a professional level. You’ll work alongside full-time instructors and you get paid too!


Shopping

SHOPPING

18

246

Cayman Shopping

246

- Antiques & Art Galleries - Art Supplies - Beauty Products - Bicycles - Books & Stationery - Building Supplies - Buying in Bulk - Cameras & Photographic Equipment - Clothes - Children & Adults - Computers & IT Services - Dive Equipment - Electronic Equipment - Fireworks - Furniture - Hardware - Restored & Refurbished Furniture - Homewares, Accessories, Lighting - Hurricane Supplies - Jewellery, Watches & Repairs - Musical Instruments, Paint - Party Accessories - Plants, Flowers & Garden Centres - Shoes - Sports Clothing & Equipment - Sunglasses - Toys - Thrift Shops - Underwear

248 248 249 250 250 250 250 250 251 253 253 254 254 254 256 256 256 258 258 258 259 259 259 259 260 260 260 260

CAYMANRESIDENT 2018

»

Photos courtesy of Deep Blue Images, Claire Rohleder and DRCL/Camana Bay.

Information about where to find everything you may need to purchase including clothing, beauty products, housewares, art, books, sports equipment and much more.

T

he Cayman Islands is quickly becoming one of the Caribbean’s shopping meccas, and not just for duty-free items. From the high-end, to surprising bargains and everything in between, a wide range of goods and services can be found locally. Artwork, books, toys, cameras, jewellery, household accessories and furniture, are just the beginning of what our shops have to offer. Fashion lovers no longer have to travel abroad to purchase high-end clothing or accessories, as there are stores offering a wide selection of evening dresses, workwear, lingerie, and a phenomenal selection of swim and resort wear. Fashionistas who prefer a bargain should not be disheartened; recently more shops have opened that offer great choices, at very low prices. There are a number of shopping centres in Grand Cayman, each offering a different variety of shops. Within George Town, you will find that the stores are aimed towards tourists, specifically those coming off the cruise ships. Many shops and shopping centres in George Town, such as Bayshore Mall, sell jewellery, souvenirs, and beauty products. Along the Seven Mile Beach strip, there are clothing stores, especially those selling swim and resort wear, salons selling beauty products and a few stores selling books, stationery and craft supplies. The majority of the furniture stores are located within or near the Industrial Park, and the major homeware stores are located in the vicinity of Eastern Avenue. Camana Bay is full of shops, from clothing to books, kitchen supplies to shoes. In Savannah the Countryside Shopping Centre houses a Foster’s Food


The spot to shop.

18

SHOPPING

Featured brands include:

where life blossoms

Discover over 30 great places to shop on the harbour at Camana Bay.

» CAMANABAY.COM

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

247


Fair-IGA, as well as an A. L. Thompson’s and other homeware shops. While the prices of some goods are more expensive than in the US, there is often a very valid reason for this. Every item has to be shipped to Cayman whether 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 (from origin), as well as the insurance charged. The items are then displayed in stores that pay far higher electricity bills than in the US and have to pay high work permit fees for their staff. However, seasonal sales, such as Black Friday, do happen, so make sure to keep an eye out!

18

viewed at the Cathy Church Underwater

national collection. The National Gallery is open

Photo Gallery located on South Church Street

Monday-Saturday 10am-5pm. Tel: (345) 945

in South Sound. Tel: (345) 949 7415 or www.

8111. Entry is free.

cathychurch.com. SE E AD PAG E S 244, 252 & 370 Pure Art has been voted #1 shop on Trip Cayman Craft Market brings together visitors

Advisor and features Cayman’s best-known

and the local artisans who create and display

and beloved painters, sculptors, artisans and

uniquely Caymanian art and craft souvenirs.

crafts people for over 30 years, with original

Items made from leather, thatch, wood, and

paintings, art prints and handcrafted Island gifts

shell abound and locally made jams, jellies

galore. Located in a charming Cayman cottage

and pickles can also be found. Located on

on South Church Street, it is just a mile south of

the corner of Boilers Road and South Church

George Town. Open Monday-Thursday 9am-

Street, George Town.

6pm, Friday and Saturday 9am-5pm. Tel: (345) 949 9133 or visit www.pureart.ky.

Cayman Islands National Museum is located in the heart of George Town and celebrates the

Sandon Feat located at 72 North Church Street,

unique natural and cultural heritage of Cayman.

George Town. Tel: (345) 949 7263. Open

The Museum Shop offers a wide selection of

Monday-Saturday 9am-5pm.

Antiques & Collectables

locally made products and souvenirs. They are

Artifacts Ltd. is a treasure trove of antique

also the official distributor for Cayman flags and

3 Girls & a Kiln is a collective of three Cayman

maps, prints, silver, coins, jewellery, shipwreck

Coat of Arms plaques. Open Monday-Friday

artists. Coming from different backgrounds,

treasures and china, as well as unique modern

9am-5pm and Saturday from 10am-2pm. Tel:

each girl brings something unique to the studio

handmade

(345) 949 8368. SE E AD PAG E 310

from ceramics and upcycled/repurposed gifts.

glass

and

ceramics.

Cayside

SHOPPING

Galleries, Harbour Drive. Tel: (345) 949 2442.

Be on the lookout for their handmade products

Art Galleries & Locally Made Items Art galleries in Cayman showcase the work of local artists and craftsmen, such as original paintings, Caymanite jewellery or hand-woven thatch products. The quality is superb and such works have become highly collectable. Other locally produced goods include Cayman sea salt, soap products, artisanal jams, hot sauces and sculptures.

Cayman Nature Store is located in Dart Park,

at Kirk Market, Kimpton Seafire Spa and at the

South Sound and it stocks jewellery, apparel

National Trust Nature Shop. Check out their

and accessories made by local artists such as

Facebook and Etsy pages for more info, email:

Bee Line Designs, Siggy Designs, Beach Bubbles

3girlsandakiln@gmail.com.

and 3 Girls & a Kiln. Its open Monday to Friday 9am-5pm and Saturdays 10am-4pm. Tel: (345)

The Wreck View Art Gallery is located in East

749 1121 or visit www.nationaltrust.org.ky.

End opposite Tukka Restaurant and they carry local crafts, paintings, sculptures and

Guy Harvey Gallery and Shoppe sells original

inexpensive jewellery. They are open Monday-

paintings, glicees and limited edition paper,

Friday 9am-5pm, Sundays 10am-4pm and are

canvas and aluminium art by Guy Harvey, the

closed on Saturdays. Tel: (345) 928 6662.

Art Nest is a creative studio where local artists

famous conservationist and painter of big game

can exhibit their work. They sell local fine art

fish. 49 South Church Street, George Town. Tel:

(paintings and sculptures), ceramics and craft

(345) 943 4891. Visit www.guyharvey.com.

items (handmade jewellery etc.) in their retail division at Pasadora Place, George Town. Visit:

The Kennedy Gallery carries local fine art,

www.artnestcayman.com.

prints, cards and sculptures. Located in the

Camana Bay is All About Local Every day the

Art Supplies The stores below carry selections of paints, brushes and canvases, as well as arts and crafts supplies for children.

West Shore Centre (Pink Plaza), on West Bay

Art Nest

Road, Tel: (345) 949 8077.

They stock a range of art supplies including water, acrylic and oil paints, canvases, graphite

shops in the town centre offer an array of products made in Cayman or inspired by its

National Gallery of the Cayman Islands (NGCI)

pencils, art markers as well as art and activity

natural beauty and storied history. Browse a

is located on the Esterley Tibbetts Highway and

kits. Visit their retail area on the first floor of

selection of products with prices, descriptions

hosts a wide variety of exhibitions throughout

their studio in Pasadora Place, George Town.

and which stores carry them, with a handy

the year; it is home to the national art collection.

Tel: (345) 949 0107.

online guide at www.camanabay.com/local.

The facility includes an art studio, an onsite

Cathy Church’s signature collection can be 248

CAYMANRESIDENT 2018

»

café and gallery shop with locally made gift

Book Nook

items and gorgeous prints of works from the

Home to an array of toys, books and arts


and crafts materials, particularly suitable for

davinciwellnesscentre.com.

Sun Care, James Read Tan, Stila Cosmetics,

children. Galleria Plaza, West Bay Road. Tel:

SE E AD PAG E S 265 & 352

Butter LONDON, BECCA Cosmetics, Kevyn

(345) 945 4686.

Aucoin Cosmetics, Murad, Beauty Blender, Eclipze Hair Design & Day Spa

Make Up Eraser, Sara Happ Lip Scrubs and

Kirk Office

Sells and uses Goldwell, TIGI - Catwalk and

Balms, Penhaligon’s of London Fragrances,

You can find acrylic, watercolour, oil and

TIGI Bed Head, Bella, Niko Hair Care and Mineral

Scout Lifestyle Bage, Velour Lashes, Cane &

washable children’s paints at Kirk Office. They

Makeup, Peter Thomas Roth, June Jacobs Spa

Austin and Lip Smart. Market Street, Camana

also have a variety of brushes, canvases,

Collection, Aromafloria-Healing Waters and

Bay. Tel: (345) 946 2332 or email: sharron@

drawing pencils, felt swatches, glitter and much

Muscle Soak, TIGI Cosmetics, Gehwol, Olivia

levisageboutique.com.

more. 67 North Sound Road, George Town. Tel:

Garden brushes and more. South Market

(345) 623 5475. www.kirkoffice.ky.

Street, Camana Bay. Tel: (345) 945 1188 or 916

Man Cave

SE E AD PAG E 254

7274 and email: eclipze@candw.ky.

Sells the following products for men’s use:

Office Supply

Every Bloomin’ Thing (EBT)

equipment line, VITAMAN hair care products,

Offers a large selection of arts and crafts,

A family-owned gift shop with various rooms

Beardbrand for beard care, MÜHLE shaving

school and office supplies. Marquee Plaza,

selling plants, home decor, children’s toys and

equipment and accessories and Repêchage

36 Lawrence Boulevard. Tel: (345) 946 1200,

a room dedicated to selling beauty products by

skin care products. Located in Caribbean Plaza,

email: info@officesupply.ky. SE E AD PAG E 57

Crabtree & Evelyn, Cucuni and Fruits & Passion.

West Bay Road, SMB, Tel: (345) 943 2283,

384 Crewe Road, George Town. Tel: (345) 945

email: info@mancavecayman.com or visit

1701. Email: info@ebt.com.ky SE E AD PAG E 266

www.mancavecayman.com. SE E AD PAG E 263

HOMMAGE shave care products and shaving

Beauty Products A variety of well-known beauty products can be purchased on island and most salons will sell the brands they use in store. The selection is quite phenominal for a small island. See below:

18 Focus Hair & Beauty

Paige & Co.

Sells Guinot, Kérastase, Pureology, Redken,

Sells Moroccanoil products including a full range

Nutrients and L’Oréal. Marquee Plaza, Lawrence

of TIGI Bed Head products and Curlesque Sleek

Boulevard. Tel: (345) 943 6287.

Mystique. They also sell the all natural Davines

Beyond Basics Medical Day Spa

Hibiscus Spa at The Westin Grand Cayman, Seven Mile Beach Resort and Spa

Road, George Town. Tel: (345) 949 6912.

They sell Obagi, Image Skincare, Repêchage face and body products, SkinMedica, jane

Offers the Kerstin Florian range of face and

Penha Perfume & Cosmetics

iredale Skin Care Make Up, Chella Brow and

body products and OPI, as well as being a full

Sells

Eye Products, Gehwol, SpaRitual, Revivogen,

service spa with a sauna and steam room.

Tom Ford, Michael Kors, MAC and all major

Poo Poouri, Organic Pure Care & DevaCurl Hair

Tel: (345) 914 2009 or (345) 914 2010, email:

fragrances. 40 Royal Plaza, Cardinal Avenue,

Products, plus Beyond Beautiful Accessories.

hibiscusspa@westin-cayman.com

George Town. Tel: (345) 949 6513.

Located on 3rd Floor Tomlinson Building, on

www.westingrandcayman.com.

the corner of Smith Road and Hospital Roads,

SE E AD PAG E 264

or

visit

George Town. Tel: (345) 945 2737, email: info@

Clinique,

Estée

Lauder,

Lancôme,

Petique Located in Pasadora Place, on Smith Road

Kirk Freeport

they offer a plethora of unusual items, such

Shop for the latest products in makeup, skin

as SunLeaf Pure Aromatherapy Essential

Body Works

care, fragrance, men’s products and more in

Oils, Soyeido incense, diffusers, Magsoothium

Sells Aura Cacia, Burt’s Bees, Deep Steep,

dedicated Kirk Freeport stores and boutiques.

Therapeutic Recovery Products and fashion

Eminence, Gaiam Products, Gehwol Foot

Stocking over 450 different products from the

items. They also sell a wide variety of gifts for

Products, OPI and Thalgo. Also candles, books,

world’s top brands such as Chanel, Christian

adults and children. Tel: (345) 949 7296.

CDs and DVDs. Queen’s Court Plaza, West Bay

Dior, Clarins, Givenchy, Guerlain, Lancôme,

Road. Tel: (345) 945 6485.

L’Oréal Paris, la prairie, NARS, Shiseido and Yves

Tips N Toes

Saint Laurent and more! Cardinal Avenue (GT),

Sells Dermalogica, Essi, Orly, Gelish, OPI, Young

Da Vinci Centre for Wellness & Alternative

Bayshore Mall, Kirk Freeport at The Strand, The

Nails, Minky Lashes and Versa Pro Spray

Therapies

Westin Hotel. Tel: (345) 949 7477 or visit www.

Tanning. Bayshore Mall, George Town.

kirkfreeport.com. SE E AD OU TSI DE BACK COVE R

Tel: (345) 943 8637.

Bay Road. Tel: (345) 943 2002, email: info@

Le Visage

Rock Gorgeous Hair Salon

davinciwellnesscentre.com

Sells Elemis, Cowshed, Bliss, Coola Organic

They sell GHD (flat iron and blow-dryers),

beyondbasics.ky or www.beyondbasics.ky.

Sells

Chrysalis

anti-aging

skincare

products. Located at Park Place on West or

visit

www.

»

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

249

SHOPPING

range of hair products. Pasadora Place, Smith


Oribe, Unite, Moroccanoil, Smith & Cult Nail Polish, top-of-the-line hair extensions like Miracle Wire HaloCouture, tape-in extensions, and bonded Great Lengths, Brazilian Blowout, GK Hair Keratin products, Colette Malouf Hair Jewellery, and Tassel air accessories. 1st Floor, Coconut Plaza, Off West Bay Rd. Tel: (345) 925 4231, email: info@rockgorgeoushair.com or

supplier, with the largest selection, is Uncle Bill’s Home Improvement (Tel: (345) 949 7601). They also sell a wide variety of bikerelated products including, accessories, lights and repair kits. Kirk Home Centre (Tel: (345) 949 2521) also sells a good selection of children’s bikes. Both can be found on Eastern Avenue in George Town.

www. rockgorgeoushair.com.

Book Nook They have a very good selection of adult, teen and children’s books, travel guides, cookbooks, children’s toys and activities, note cards, candles and other unique gifts. Open MondaySaturday 9am-6pm. Located in the Galleria Plaza on West Bay Road. Tel: (345) 945 4686.

la prairie Spa, The Ritz-Carlton The spa offers a wide selection of la prairie beauty products for sale. An exclusive luxury spa providing a full range of services that

Books & Stationery Cayman has a really good selection of bookstores and it is easy to spend a lot of time browsing and exploring them. Each store is very different. Books are duty-free!

include signature facials, massages and body Atlantic Kids

spa’s luxurious techniques and products.

More than just a clothing and toy store, ‘AK’

Arrive early to relax in the serene lounge room

sells a thoughtful and educational selection of

or replenish in the Jacuzzi and steam room. Tel:

books for children, as well as other educational

(345) 943 9000. Located on West Bay Road.

items which can help children learn to read,

They

carry

Christian

books,

Bibles,

devotionaries, cards, gift items, greeting cards DVDs and CDs. Open Monday-Saturday 9amTown. Tel: (345) 945 1252.

count and improve their analytical skills. ‘AK’ Spa de Soul

carries an assortment of back to school items

Sells Chi, Goldwell, Paul Mitchell haircare

including Jansport backpacks. They are open

products and Remy Laure skincare. Governors

Monday-Wednesday from 9am-6pm and

Square, West Bay Road. Tel: (345) 945 5919.

Thursday-Saturday

9am-7pm.

Building Supplies There are a handful of notable building supply companies in Cayman. The major building suppliers are A. L. Thompson’s, Cox Lumber and Kirk Home Centre. For more detailed information, please see the Building a Home chapter.

Paddington

Place, Godfrey Nixon Road. Tel: (345) 943 2296. Spa Esprit

The Christian Enlightenment Centre

6pm. Located on 181 Elgin Avenue, George

treatments featuring the world-renowned

18

SHOPPING

email: humanesocietybookloft@candw.ky.

SE E AD PAG E 253

Sells Biolage, Phyto, Luxe, KMS, American Crew, Environ, Guinot, O! Wow Brush and OPI.

Books & Books

They also sell Pinnacle Makeup and a range of

Offers a range of worldwide authors with

professional hair styling tools. Strand Shopping

a specialty in Caribbean writing. They hold

Centre, West Bay Road. Tel: (345) 945 4334.

frequent in-store events including author

Email: spaesprit@candw.ky.

signings and readings, kids’ story and craft

Buying In Bulk Cayman has good wholesale stores if you are looking to buy bulk items like nappies, cleaning supplies, toilet paper, non-perishable food and soft drinks. Priced Right and Cost-U-Less both sell an array of different items, from appliances and furniture to electronic equipment.

time. They also offer a wide selection of history, Styles Beauty Salon

biography, travel, cooking and mind, body and

Cost-U-Less

Sells Matrix, Biolage, Biosilk, Brazillian Blowout,

spirit books. They are open Monday-Saturday

Governors Square, 51 Lime Tree Bay Avenue.

Chi, Lanza, Tec Italy, Paul Mitchell, Redken,

from 10am-7pm (hours are extended to 9pm in

Tel: (345) 745 5377.

Sebastian, Sexy, TIGI Bed Head products for

December). The Paseo, Camana Bay. Tel: (345)

men and women and Remy Laure skincare

640 2665. www.booksandbooks.com.

Priced Right Two stores: Foster’s Airport and West Bay

(used in salon only). West Shore Centre, West

Republix Plaza. Tel: (345) 949 5155.

Bay Road. Tel: (345) 949 8809. www.facebook.

The Book Loft

com/stylesbeautysaloncayman.

The Cayman Islands Humane Society’s charity

SE E AD PAG E 265

book shop, The Book Loft, is run entirely by

Reflections Food 4 Less

volunteers and sells used and new adult and

Two Locations: Ashgo Street, off Godfrey Nixon

Vanity Hair & Nail Design

kids’ books, and only display books in a good

Way which is open Monday-Saturday from

Sells Aveda and Living Proof. Midtown Plaza, just

condition. They also sell DVDs, CDs, gifts,

7am-7pm, and MacLendon Drive is open 24/7.

off the CNB roundabout. Tel: (345) 949 7929.

stationary, greeting cards and paper, as well as both adult and kids games and puzzles. The Loft

Bicycles Cayman has an abundance of bicycles for sale, for both adults and children. The main 250

CAYMANRESIDENT 2018

»

is open Monday 12.30pm-4pm, Tuesday-Friday 9am-4pm, Thursday evenings 5.30pm-7.30pm and Saturday 9am-5pm. Tel: (345) 946 8053 or

Cameras & Photographic Equipment Cameras and camera equipment are dutyfree and in some cases they are cheaper in the Cayman Islands than in the US or Europe.


Cathy Church’s Photo Centre

Kids Karma Closet

Sells a wide range of digital cameras including

Specialises in the resale of good quality

Nikon, Olympus, GoPro and Sony, along with

second-hand and new children’s clothing,

a great selection of underwater camera

shoes, toys and carriers. Buckingham Square,

systems. Each sale or rental includes a free

West Bay Road. Tel: (345) 947 7330.

mini-lesson. They also sell a large selection of accessories, have four instant photo printing

Little Angels

kiosks and offer custom printing on canvas or

Sells UV sun protection swimwear and island-

fine art paper. The gallery of Cathy’s beautiful

casual apparel for kids. Stocks Beach People

underwater photos is worth the trip. They

Kids and Seafolly brands etc. 10 Market Street,

are located at Sunset House Hotel, South

Camana Bay, Tel (345) 946 2645.

Church Street, GT. Tel: (345) 949 7415. www. cathychurch.com. SE E AD PAG E S 244, 252 & 370

Little Darlings Stocks a selection of items for babies and

Picture This Studios

young children including toys. Bodden Place,

They sell Nikon, Fujifilm and other top brand

Shedden Road. Tel: (345) 949 2580.

cameras including a full range of DSLR cameras with interchangeable lenses. They also offer

The Baby Shoppe & The Kids Shoppe

waterproof cameras for up to 30 metres (100

Sells clothing for infants, toddlers and tweens,

feet), long range zoom cameras and other

as well as a large selection of infant supplies, car

stylish cameras for under CI$100. They offer

seats, cots, strollers and toys. Alissta Towers,

quality photography and cinematography by

North Sound Road. Tel: (345) 949 2229.

18

an experienced team. Located in Suite 3117,

Adult Clothing & Accessories

3686. Visit www.picturethis.ky.

Activ Angels

SE E AD T H I S PAG E & 369

Stocks Grand Cayman’s largest selection of

SHOPPING

45 Market Street, Camana Bay. Tel: (345) 943

yoga/active/performance wear for men and

Children’s Clothing You will be pleasantly surprised with the selection, variety and prices of children’s clothes sold in Cayman. The other beauty of buying kid’s clothes ilocally is that the stock suits the climate! Many of the adult stores also stock a good selection of kids clothing, such as The Cabana and Funky Monkey. The boutiques at The Ritz-Carlton and The Westin, as well as Divers Supply and Divers World carry good options for kids.

women. 10 Market Street, Camana Bay. Tel (345) 946 2643.

Visit us in Camana Bay for frames | canvas | photo books & all your photographic needs!

Allee Designer Fashion Boutique A women’s designer fashion and shoe boutique in operation since 1999. Allee provides quality and elegant clothing for all occasions at affordable prices. They carry top brands: Joseph Ribkoff, David Meister, Maggy London, JS Collections, Anne Klein, Frank Lyman, Claudia

Forum Lane, Camana Bay, Cayman Islands P 345.943.3686 | W www.picturethis.ky

Ciuti, Elan and many more. Galleria Plaza, West Bay Road off Seven Mile Beach. Tel: (345) 946

Atlantic Kids

6464, email: allee@candw.ky, www.facebook.

Specialises in children’s clothing, accessories

com/alleedesignerboutique.

and toys from infants to teens. It is Cayman’s authorised retailer for Carter’s, OshKosh,

Arabus Boutique

and Stride Rite, alongside many other top

Specialises in men’s and women’s office and

children’s brands such as Lucky and Guess.

evening wear with well-known brands like

‘AK’ also sells backpacks for all ages including

ABS, Michael Kors, Ted Baker, Donna Karan,

a wide selection of Jansport. They are located

Calvin Klein and Nicole Miller. Edward Street,

at Paddington Place, Godfrey Nixon Road. Tel:

downtown George Town. Tel: (345) 949 4620.

(345) 943 2296. www.facebook.com/atlantic. atlantickids. SE E AD PAG E 253

»

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

251


Atlantic

Blue Wave - Waterman

Choo and DVF. Buckingham Square, 720 West

Offers a variety of well-known brands at

A lifestyle wear and surf shop that carries

Bay Road. Tel: (345) 947 4945 or email: info@

affordable prices. In the Men’s department you

Billabong, Roxy, Quiksilver, RVCA, Rip Curl, Reef,

careyskarmacloset.com.

will find designers such as Original Penguin, Ben

Olukai, Vissla and more. They stock kite surfing

Sherman and CK Jeans as well as dress shirts

equipment by Slingshot, Stand Up Paddle

Cayman Couture

and ties from Michael Kors and Van Heusen.

Boards by Boga, Coreban, Fanatic, Rogue and

A fashion boutique for men and women. The

Men can find underwear and under shirts from

Smooth. They carry a selection of Surfboards

Strand Shopping Centre. Tel: (345) 949 4411.

Calvin Klein and Hanes with belts and socks by

by Al Merrick-Channel Islands, Firewire and

Florsheim. The women and junior departments

Catch Surf. Located on the Waterfront, George

De Sunglass Man

carry Chaus, Ruby Rd., My Michelle, Doe & Rae,

Town. Tel: (345) 949 8166 and Galleria Plaza,

A broad range of duty-free sunglass brands

YMI Jeans and many more popular brands.

West Bay Road. Tel: (345) 769 7873.

to suit every lifestyle, from Chanel, Bulgari,

They have an extensive collection of lingerie

Prada and Gucci to Coach, Maui Jim, Oakley and

including Calvin Klein, Spanx, Maidenform

The Cabana – a Lilly Pulitzer Signature Shop

Ray-Ban. Located at Jasmine Court, The Paseo,

and Bali. In the shoe department, you will find

The shop specialises in resort wear with

Camana Bay. Tel: (345) 640 5339 or visit www.

Madden Girl, Esprit, Rampage and they are the

trademark prints and vibrant colours and they

islandcompaniesltd.com/de-sunglass-man.

authorised dealer of Sketchers for the whole

also stock bags, sandals, swimsuits, costume

family. Atlantic also has an excellent selection

jewellery, home accessories and more. The

Fifth on Seven

of accessories and gifts. Paddington Place,

Paseo, Camana Bay. Tel: (345) 945 7465 or

Features designer resort wear, swim and

Godfrey Nixon Road. Tel: (345) 943 2296.

www.thecabana.ky.

beachwear

for

both

men

and

women.

Caribbean Plaza, West Bay Road. Tel: (345) 746

SE E AD PAG E 253

18

Carey’s Karma Closet

8175 or visit www.caymanfashiongroup.com.

A women’s designer consignment store that

Sells yoga books, yoga mats and the highest

sells designer clothing and accessories for a

Funky Monkey

quality of athletic wear. Marquee Plaza,

fraction of the retail price. Expect to find brands

A hip apparel and fun wear boutique for sporty,

Lawrence Blvd. Tel(345) 949 9642.

such as Louis Vuitton, BCBG, Gucci, Jimmy

sweaty, yogy, beachy and party-inspired

SHOPPING

Bliss Living & Yoga

needs. They provide trendy fashion selections and accessories for the whole family. Features favourite brands such as Desigual, Elan, Analili, Volcom, Green Dragon, Banana Moon and more. Governors Square, West Bay Road. Tel: (345) 943 8659 or www.funkymonkeycayman.com. Guy Harvey Gallery & Shoppe They sell Guy Harvey merchandise including men’s, women and kids apparel. The also offer a wide range of accessories, home décor gifts and unique souvenirs. A portion of all sales go towards ocean conservation with the Guy Harvey Ocean Foundation. Located at 49 South Church Street, George Town. Tel: (345) 943 4891. www.guyharvey.com Island Company Their collection includes a full line of men’s and women’s linen and cotton clothing, swimwear, bags, sun care, sunglasses and accessories. Tel: (345) 945 7575 or visit islandcompany.com. POLO by NKY Sells

Ralph

Lauren

apparel,

footwear,

accessories and homeware items. Camana 252

CAYMANRESIDENT 2018

»


Bay. Tel: (345) 746 8171. NKY

equipment, when you ship it to Cayman. For office equipment, see the Running a Business chapter. IT services are listed here:

A fashion boutique selling designer fashions for men and women. The Jean Bar offers today’s most

Cayman Business Machines Ltd. PBS GROUP

popular designers with the best fits for men and

Offers quality digital printing services and

women. The Paseo, Camana Bay. Tel: (345) 746

quality prints at quick turn around. Cayman

8171 or www.caymanfashiongroup.com.

Business Machines/PBS also provides laptops for business and home use as well as IT services.

NKY Collections

49 Hospital Road, George Town. Tel: (345) 949

Sells the seasons’ latest from designers

8642 or see www.caymanbusinessmachines.

including DVF, Halston Heritage, Marchesa,

ky. SE E AD PAG E 56

GUESS

Parker, Nicole Miller, Tommy Bahama, Camilla, Alexis, Trina Turk, Minnie Rose, SPANX, Hale

Cayman MAC Store

Bob, Vilebrequin, Robert Graham and more. The

Cayman’s Apple authorised reseller and service

Paseo, Camana Bay. Tel: (345) 746 8171 or visit

provider, has a full range of Macs, iPads, iPods,

www.caymanfashiongroup.com.

iPhones, Apple TV, Beats products, accessories

Brands you love at affordable prices The latest fashion in clothing and shoes for Newborn to Tween Creative and educational gifts, books and toys

and more. The Paseo, Camana Bay. Tel: (345) Off The Peg

943 4763 or www.caymanmacstore.ky.

Mon, Tues & Wed 9am to 6pm Thurs, Fri & Sat 9am to 7pm

Boutique offering trendy and affordable clothing from sizes 6-16. Casual, office and

Kirk Office

evening wear available. They also offer a

An authorised retailer of Apple, HP and Lenovo,

selection of jewellery and bags. Elgin Avenue,

Kirk Office’s interactive showroom allows

George Town. Tel: (345) 946 5050.

customers to experience working models of

Paddington Place, Godfrey Nixon Way

Next door to

“Fashion for the way you live”

www.atlanticak.com

the latest computers, tablets and accessories first hand. They also offer installation and setup

They have numerous stores along Seven

services for computers, networking equipment

Mile Beach, East End and Rum Point. They

and software through their IT services

sell fashionable designer-brand clothing and

company, Kirk iSS. Tel: (345) 623 5475 or see

swimwear, Cayman-inspired t-shirts and caps,

www.kirkoffice.ky. SE E AD PAG E 254

SHOPPING

Red Sail Sports

18

943-2296

jewellery, snorkel gear, underwater cameras and lots more. Tel (345) 623 5965.

Office Supply Ltd. As well as selling a large variety of office

Sand Angels

products, they sell HP, Dell, Asus, Acer, Lenovo

Offers a wide selection of swimwear, resort

and Toshiba Computers and Laptops. They also

wear and accessories including bikini separates,

stock a very large selection of HP Printers, arts

full-figure and bra-sized swimwear. The Paseo,

and craft supplies and back to school supplies.

Camana Bay. Tel: (345) 945 7263 or view online

They are the authorised service providers for

at www.sandangels.com.

HP Printers and computers and Sharp multi-

Jo SEPHINE CHAUS ZAC & RACHEL WOMAN

MYMICHELLE

function business machines. They have a full Silhouette

IT support and service centre that offers in-

Sells underwear, night wear and they offer a

house or off-site repairs. Marquee Plaza, 36

bra fitting service. The Paseo, Camana Bay. Tel:

Lawrence Blvd. Tel: (345) 946 1200 or email:

(345) 943 5223 or email: info@silhouette.ky.

info@officesupply.ky. SE E AD PAG E 57

Computers & IT Services Expect to pay a little more for computers in Cayman than in the US. However, if you do buy a computer in the US, remember you will have to pay 22% duty on the shipping, insurance and cost of the

Dive Equipment

®

MAIDENFORM INTIMATE APPAREL

BALI®

Divers Supply Offers a full range of diving equipment including BCDs, regulators and computers, plus tank and gear rentals. Also available is snorkelling gear, swimwear, wetsuits and sandals. Open daily,

»

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

253


8am–9pm. West Shore Centre, West Bay Road.

for residential and corporate clients. Offering

Tel: (345) 949 7621, www.diverssupply.ky.

headphones, Bluetooth speakers, flat screen TVs, home theatre systems, whole-house AV

Divers World

packages and home automation solutions.

7 Mile Shops, West Bay Road.

Shops 5-6, Bay Town Plaza, 36 West Bay

Tel: (345) 949 8128

Road. Tel: (345) 946 8324, email: info@ creativetechltd.com or visit their website

Electronic Equipment Automation

&

Home

www.creativetechltd.com.

BrandSource Home Gallery

Funky Tangs

Sells televisions and home entertainment

Sells TVs, home theatre equipment and audio/

systems. They also provide home theatre

video accessories. They also offer a full line

design and installation, technical support

of musical instruments and car stereos. 220

services, warranties and a full repair service for

Shedden Road. Tel: (345) 949 0998 or Hirst

all major brand appliances and televisions. They

Road, Savannah. Tel: (345) 943 0998.

also carry a wide selection of entertainment furniture and mounts by Bello and Sanus. 209

Hi-Tech Electronics

Dorcy Drive, Industrial Park. Tel: (345) 949 5211.

Ashgo Street, off Godfrey Nixon Way. Tel: (345) 945 3950. Email: hi-tech@candw.ky.

Creative Tech

18

They are the authorised dealer for Bose, Sonos, Paradigm, Samsung, Marantz, Martin Logan, Universal Remote Control and other leading AV brands. They provide sales, installation and

SHOPPING

after-sales support for audio visual systems

Service. Selection. Value.

t ori e retai er o

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. Before New Year’s there are many places selling fireworks, however, at other times of the year, you can get them from the company listed here: Fireworks Ltd. by Massive Grand Cayman’s largest fireworks retailer and commercial and display specialists. Open all year around, they offer a wide range of fireworks such as rockets, roman candles,</