Cayman Islands:--- In the wake of Hurricane Melissa, which left thousands of low-income Jamaicans struggling to rebuild their lives and livelihoods, a groundbreaking parametric insurance product, the Livelihood Protection Policy (LPP), is being launched in Jamaica this week.
The LPP is a parametric microinsurance product explicitly designed for groups most exposed to climate shocks yet traditionally excluded from formal insurance markets. Some of these groups include small farmers, fisherfolk, market, food, and craft vendors, seasonal tourism workers, day labourers, amateur entertainers, and micro- and agri-entrepreneurs, among others. By providing fast cash payouts within 14 days of extreme rainfall or wind events, the LPP is designed to empower these groups and households to recover quickly, avoid falling into poverty, and protect their futures.
Following Hurricane Melissa, CCRIF made record-breaking payouts of US$91.9 million (J$14.8 billion) to the Government of Jamaica under its tropical cyclone and excess rainfall policies, within 14 days of the hurricane. The launch of the LPP now extends this protection directly to households and low-income groups, ensuring that resilience is built not only at the national level but also at the community level. Together, CCRIF’s government/sovereign policies and the LPP form a comprehensive disaster risk financing framework that would enable Jamaica to respond faster and more equitably to future climate shocks.
The LPP was first piloted under the Climate Risk Adaptation and Insurance in the Caribbean (CRAIC) Project, implemented since 2011 by the MCII in collaboration with CCRIF SPC and the ILO’s Impact Insurance Facility, with financial support from the International Climate Initiative (IKI) of the Federal Government of Germany. Within the Federal Government, the IKI is anchored in the Federal Ministry for the Environment, Climate Action, Nature Conservation and Nuclear Safety (BMUKN).
The CRAIC Project piloted, tested, and refined the LPP across five Caribbean countries, ensuring that the product reflects the realities of low income and vulnerable groups and lessons learned from addressing early skepticism around insurance. This collaborative effort has laid the foundation for scaling-up microinsurance in the Caribbean region, embedding the LPP within broader resilience and social protection strategies.
In Jamaica, the LPP will initially be sold through Guardian General Insurance Jamaica Limited, ensuring trusted local distribution and immediate accessibility. Beyond Jamaica, the LPP will also be available in 2026 in Belize, Grenada, and Saint Lucia, extending its benefits to vulnerable communities across the wider Caribbean. Guardian General will work with a range of distributors and aggregators, including credit unions and cooperatives, to make the LPP easily accessible.
With the launch of CCRIF’s new Microinsurance Facility in partnership with Celsius Pro and its subsidiary, Global Parametrics, in June of this year, multiple insurers across the Caribbean and Central America will be able to distribute the LPP and other inclusive insurance products. This will expand reach, strengthen competition, and ensure affordability and scalability of microinsurance solutions.
Hurricane Melissa underscored the urgent need for accessible financial protection. Farmers lost crops, fisherfolk were unable to go to sea, and market vendors saw their daily incomes vanish. For many, recovery has been slow and remains uncertain. The LPP offers a new safety net, ensuring that when the next storm comes, affected individuals will have immediate resources to replant, repair, restock, and rebuild. According to CCRIF CEO, Isaac Anthony, "Hurricane Melissa reminded us that disasters do not only damage homes – they disrupt lives and livelihoods. The Livelihood Protection Policy is about restoring dignity and resilience, giving low-income and vulnerable groups across the Caribbean the means to recover and bounce back faster. By embedding the LPP within national disaster risk resilience frameworks, the region is positioning itself as a global leader in livelihood-focused climate risk financing. This launch represents a critical step toward scalable, shock-responsive social protection that can be replicated across the Caribbean and beyond."
Strategic Benefits of the LPP
• Fast payouts: No lengthy claims process - cash within days.
• Equity and inclusion: Designed for those most exposed to climate-related events and least protected.
• Financial empowerment: Improves creditworthiness and access to financial services.
• Policy alignment: Supports Jamaica’s disaster risk management, social protection, and climate adaptation strategies.
Resilience starts with protecting what matters most - your livelihood and your family.
All LPP target groups, including farmers, fishers, market and food vendors, taxi drivers, construction workers, seasonal tourism workers, amateur musicians, and microenterprises are encouraged to ask their local credit unions, cooperatives, and Guardian General Insurance Limited about enrolling in the LPP today.
Sint Maarten Wastewater Management Project (SWMP) Announces Public Consultation.
PHILIPSBURG:---The Government of Sint Maarten and the National Recovery Program Bureau (NRPB) invite the public to a community consultation for the Sint Maarten Wastewater Management Project on Wednesday, December 10, 2025, from 6 pm to 9 pm at the Belair Community Center. The session will explain planned upgrades to the island’s wastewater systems and allow the community to share feedback before designs are finalized.
Only about 10 percent of households in Sint Maarten are connected to the public sewer network, making wastewater management one of the island’s biggest environmental challenges. The Sint Maarten Wastewater Project is a US$25 million investment, co-funded by the Government of Sint Maarten (US$15 million) and the Sint Maarten Trust Fund (US$10 million). The work includes expanding the sewer network in Dutch Cul de Sac and improving the A. Th. Illidge Road wastewater treatment plant so it can manage more household connections and operate more efficiently. The improvements are expected to reduce reliance on aging septic tanks and lower the risk of wastewater entering yards, streets, and ponds.
The consultation will include a walkthrough of the Environmental and Social (E&S) Risk Management Instruments prepared for the project. The E&S Instruments explain how the project's construction and long-term impacts will affect people, homes, roads, and the environment, and outline measures to reduce noise, dust, traffic delays, water pollution, and other impacts. It also allows the community to understand the project, ask questions, and propose improvements before designs are finalized.
The project’s timeline, work areas, and anticipated traffic impacts will be presented at the meeting. There will also be a question-and-answer session so the public can raise any concerns directly with the Government of Sint Maarten and the NRPB.
The Minister of Public Housing, Spatial Planning, Environment and Infrastructure (VROMI) Patrice Gumbs is encouraging the community to get involved. “We want to improve how wastewater is managed across Sint Maarten. This work affects neighborhoods and daily routines, so community participation is incredibly important. Your feedback will help us refine the designs and prepare for construction.”
The consultation is the first in a series of stakeholder engagement activities that are free and open to the public. Additional meetings for schools, community groups, directly affected households, and stakeholders will take place in the coming weeks. Feedback from all sessions will help guide the final design.
A livestream will be available for those who cannot attend in person, and the recording will be available online after the event. The NRPB encourages all households and businesses, especially those in the Dutch Cul de Sac area, to join the session on Wednesday, December 10, from 6 pm to 9 pm at the Belair Community Center. The community’s valuable input will help guide improvements that support cleaner communities and a healthier environment for neighborhoods.
Following this consultation, the next steps will be shared with the public to ensure the community stays informed throughout the implementation of the project.
The NRPB implements the Sint Maarten Wastewater Management Project on behalf of the Government of Sint Maarten. It is funded by the Trust Fund, which is financed by the Government of the Netherlands and managed by the World Bank. The project is co-funded by the Government of Sint Maarten.
New Leadership at BTP: Judianne Labega-Hoeve Appointed as Director.
PHILIPSBURG: --- In a significant move for St. Maarten's telecommunications landscape, the Ministry of Tourism, Economic Affairs, Transport and Telecommunication (TEATT) has officially confirmed the appointment of Mrs. Judianne Labega-Hoeve as the new Director of the Bureau Telecommunications and Post (BTP). This appointment marks a pivotal moment for the organization as it continues to navigate the rapidly evolving world of digital connectivity and regulatory standards.
The announcement comes directly from the Minister of TEATT, Grisha Heyliger-Marten, who signed the decree this week, formalizing a leadership transition that promises stability, expertise, and a forward-thinking vision for the country's communications sector.
A Proven Leader with Deep Roots
Mrs. Labega-Hoeve is no stranger to the intricacies of the industry. With an impressive career spanning more than 25 years, she brings a wealth of experience across the telecommunications, postal, and regulatory sectors. Her journey with the Bureau itself began in 2012 when she joined as Chief Financial Officer (CFO).
During her tenure as CFO, she was instrumental in strengthening the organization’s financial systems. Her work laid the foundation for fiscal responsibility and strategic stability, allowing the BTP to weather various economic climates. In 2021, she stepped into the role of Interim Director, a period defined by complex regulatory challenges and the urgent need for modernization.
Under her interim leadership, the bureau successfully aligned itself with global industry standards, ensuring that St. Maarten remained competitive and compliant in an increasingly digital world. Her ability to guide the organization through these complex environments demonstrated not just administrative competence, but a deep strategic understanding of where the sector needs to go.
A Vision for St. Maarten's Digital Future
The role of BTP is critical to the island’s infrastructure. As the regulatory body for telecommunications and post, it oversees the networks that keep businesses running, families connected, and emergency services operational. The appointment of a permanent Director with such extensive institutional knowledge signals a commitment to long-term growth and innovation.
Minister Heyliger-Marten emphasized that this appointment reflects Mrs. Labega-Hoeve's "professionalism, competence, and deep commitment to St. Maarten’s digital and communications landscape."
In a sector that changes almost daily with new technologies and standards, having a leader who understands both the financial and operational sides of the business is invaluable. Mrs. Labega-Hoeve's track record suggests a leadership style that values stability while aggressively pursuing the modernization necessary for a smart, connected island.
Congratulatory Words from the Minister
The official signing of the decree was accompanied by warm words of support from the Ministry. Minister Heyliger-Marten expressed her confidence in the new Director, stating:
"I extend heartfelt congratulations to Mrs. Labega-Hoeve, wishing her strength, wisdom, and continued success as she leads BTP into its next chapter."
This endorsement from the top levels of government underscores the trust placed in her capabilities. It highlights a collaborative relationship between the Ministry and the regulatory body, which is essential for implementing effective policies that benefit the consumer and the broader economy.
Looking Ahead: The Next Chapter for BT
As Mrs. Labega-Hoeve officially takes the helm, the focus shifts to the future. The telecommunications sector is the backbone of modern economic development. From high-speed internet access to reliable postal services, the efficiency of the BTP directly impacts the quality of life for every resident and the operational success of every business on the island.
With her appointment, stakeholders can expect a continued focus on modernization, regulatory clarity, and strategic growth. Her history of stabilizing financial systems and navigating complex regulations suggests that the BTP is in capable hands, ready to face the challenges of the digital age.
For the people of St. Maarten, this leadership update is more than jus
For the people of St. Maarten, this leadership update is more than just an administrative change; it is a step toward a more robust, reliable, and future-proof communications infrastructure. We look forward to seeing the innovations and improvements that will emerge under Mrs. Labega-Hoeve's directorship.
Your Rights, Your Bill: Consumer Protection in St. Maarten.
PHILIPSBURG: --- Receiving a utility bill is a routine part of life, but what happens when those bills are inaccurate, delayed for years, or stop coming altogether? For many residents in St. Maarten, this isn't a hypothetical question; it's a frustrating reality. The issue of inconsistent utility billing has brought the topic of consumer protection to the forefront, highlighting the need for stronger regulations and clearer resources for people facing these challenges.
The Ministry of Tourism, Economic Affairs, Transport, and Telecommunication (TEATT) acknowledges these significant concerns. While long-term solutions are in development, understanding the current situation and the path forward is crucial for every consumer. This article will explore the ongoing efforts to strengthen consumer rights, particularly concerning utility services, and address what residents can do now.
The Core Problem: Inaccurate Billing and No Recourse
A major point of frustration for consumers has been the issue of inaccurate billing from utility providers. Many residents have reported going months, and in some cases, years, without receiving an accurate bill for services they have been using. This creates a difficult situation, leaving families and individuals unsure of how much they owe and forcing them to set aside unknown sums of money for an eventual, and likely large, cumulative bill.
During a recent press briefing, Minister of TEATT Grisha Heyliger-Marten addressed this matter directly. When questioned about the reasonableness of expecting consumers to hold funds indefinitely for bills they haven't received, the Minister acknowledged the systemic challenge. Currently, the government's power as a shareholder allows it to bring these concerns to the utility company's board, but its ability to enforce immediate changes is limited by the lack of a formal regulatory framework.
This gap leaves consumers in a tough spot. They have made requests to the utility provider and voiced their concerns, but without a governing body to mediate disputes or enforce standards, their options for immediate resolution are limited. It's a situation that underscores the urgent need for a structured system to protect consumers from such predicaments.
Building a Framework: The Long-Term Solution
The government is actively working to establish a permanent solution. The key to this is the creation of a legal framework that empowers an independent body to regulate utility companies and their tariffs, ensuring fairness and accountability.
The Ministry of TEATT, in collaboration with the Prime Minister, has identified the Bureau of Telecommunications and Post (BTP) as the designated authority for this crucial role. The plan is to expand BTP's mandate, transforming it into a regulator for all utility tariffs in St. Maarten. This move will give the regulator the legal power to set standards, investigate complaints, and ensure utility providers adhere to transparent and fair practices.
The Legislative Journey
Creating a new regulatory authority is a detailed legal process. As outlined by the government, the draft national ordinance (landsverordening) to establish BTP as the utility regulator is already well underway. Here is a look at the legislative path it must follow:
- Drafting and Legal Review: The initial law has been drafted and was sent to the Department of Legal Affairs and Legislation (JZNV) for review.
- Council of Ministers: Once JZNV provides its feedback, the revised legislation will be presented to the Council of Ministers for approval.
- Council of Advice: Following approval from the Council of Ministers, the draft law will be sent to the Raad van Advies (Council of Advice) for its official opinion and recommendations.
- Parliamentary Approval: The final step is presenting the national ordinance to Parliament. Once Parliament approves the law, it will be ratified and officially enacted.
This multi-step process is designed to ensure the law is robust, fair, and legally sound. While it requires time, it is the proper and necessary path to creating a lasting solution that will safeguard consumer rights for years to come. Minister Heyliger-Marten has confirmed that the establishment of this new regulatory body for utilities is a top priority for the ministry.
What Can Consumers Do in the Meantime?
While the legislative process moves forward, consumers who are currently struggling with billing issues may feel like they are in limbo. Although immediate legal recourse is limited, there are still practical steps you can take to protect yourself.
Document Everything: Keep a detailed record of your communications with the utility provider. Note the dates and times of your calls, the names of the people you spoke with, and a summary of the conversation. Save all emails and letters you send and receive.
Track Your Usage: If you have access to your meter, take regular readings and photos. Documenting your actual consumption can provide valuable evidence if a dispute arises over a future bill.
Set Aside Funds: While it is a significant burden, the most prudent advice is to continue setting aside funds based on your average past usage. This will help you prepare for the eventual bill and avoid the shock of a large, unexpected debt.
Continue to Report Issues: Even if it feels repetitive, continue to report billing inaccuracies to the utility provider formally. A consistent paper trail demonstrates your effort to resolve the issue and adds to the body of evidence showcasing the extent of the problem.
A Call for Patience and Engagement
The journey toward comprehensive consumer protection is a marathon, not a sprint. The current challenges with utility billing have made it clear that a foundational change is needed, and the government is laying the groundwork for that change. Establishing BTP as the official regulator is a significant step toward creating a system where consumers have a powerful advocate and clear rules govern the services they depend on.
Minister Heyliger-Marten and the government have acknowledged the public's frustration and are committed to seeing this process through. As this important legislation moves through the required channels, the community's patience and continued engagement are vital. By staying informed and documenting your experiences, you contribute to the collective voice calling for a fairer, more transparent system for all. The path to a permanent solution is being paved, one that promises a future where no consumer is left in the dark.
St. Maarten Shines: A Guide to 2025 Christmas Festivities.
PHILIPSBURG: --- The holiday season has officially arrived, and St. Maarten is ready to celebrate with a full calendar of festive events designed to bring joy, support local businesses, and create unforgettable memories for residents and visitors alike. The Ministry of Tourism, Economic Affairs, Transport, and Telecommunication (TEATT) is proud to lead the charge in revitalizing Philipsburg and illuminating the entire island with the spirit of Christmas.
This year’s celebrations are focused on community, culture, and commerce. From bustling markets to enchanting light displays, each event aims to bring life back into our capital, provide a platform for local vendors, and offer magical moments for families. Get ready to experience a St. Maarten Christmas like never before!
December to Remember: Your Official Event Calendar
Mark your calendars for a month packed with family-friendly fun. The Ministry of TEATT, in collaboration with community partners, has created a diverse lineup of festivities across the island. Here are the highlights you won’t want to miss.
Backstreet Bonanza (Nov 29–30): Kicking off the season, this two-day event in the Backstreet and Market Area was a vibrant celebration of shopping, local culture, delicious food, and lively entertainment, setting a festive tone for the weeks to come.
Vegas Christmas Lights (Dec 1 – Jan 5): Experience a dazzling outdoor light spectacle running all month long. With two nightly shows at 8:00 PM and 9:00 PM, this free public display is perfect for an evening stroll with loved ones.
Belly Full Fest (Dec 6): Head over to Emilio Wilson Park for an all-day community festival. Featuring over 20 vendors and continuous live entertainment, it's the perfect place to sample local cuisine and soak in the festive atmosphere.
Jingle at the Jetty (Dec 7): Walter Plantz Square will come alive with holiday cheer. The festivities begin with a parade at 5:00 PM, followed by a magical tree lighting ceremony at 7:00 PM. There will also be special gifts for the children in attendance.
Twilight in Town (Dec 12): Join the Ministry of TEATT at Cyrus Wathey Square for an enchanting evening. This special event will feature a grand Christmas lighting ceremony, captivating performances, and sweet treats for families to enjoy together.
Christmas in the Park (Dec 13–14): Emilio Wilson Park transforms into a holiday wonderland for “Christmas under the Stars.” This two-day affair will feature numerous vendors and entertainment, making it a perfect weekend outing for the whole family.
The Jolly Lane (Dec 15 – Jan 5): Hosted by Kooyman and the Ministry of TEATT, Pondfill Village will become a festive hub. Stroll through Christmas stalls, shop from local vendors, and indulge in traditional holiday food.
Philipsburg Becomes Magical (Dec 19–21): The season culminates with a spectacular three-day event on the Philipsburg Boardwalk. Immerse yourself in culture, enjoy last-minute holiday shopping, and take in incredible live entertainment against the backdrop of the beautiful bay.
Illuminating the Island with a United Theme
Beyond the scheduled events, the Ministry of TEATT is brightening our public spaces with brand-new holiday decorations. This year, the focus is on creating a united St. Maarten Christmas theme that tells a story of hope and togetherness across the island.
The Ministry is responsible for decorating most of the island’s roundabouts and key areas in Philipsburg. While the ambitious initial plan included 13 roundabouts, administrative timelines have allowed for the full decoration of seven roundabouts for the 2025 season. These installations will be completed and illuminated by December 15th, creating a beautiful and cohesive visual experience for everyone driving through our communities.
The vision for a fully decorated island remains a priority. The remaining roundabouts are scheduled for inclusion next year, completing the full storytelling concept and ensuring the festive spirit reaches every corner of St. Maarten.
A Season for Community and Celebration
As Minister of TEATT, Grisha Heyliger-Marten highlighted, these festivities are about more than just decoration and entertainment. They are a vital opportunity to support our local entrepreneurs, artists, and chefs who work tirelessly to make these events possible.
The Ministry encourages everyone—residents and visitors alike—to come out and be part of the magic. Explore the markets, enjoy the performances, and celebrate the season safely and responsibly. Let’s make this a time of unity, joy, and prosperity for all.
By participating in these events, you are not just making holiday memories; you are investing in our community and contributing to the vibrant spirit that makes St. Maarten so special. Let’s come together to celebrate, support one another, and light up the island with our collective joy.