Verified MezAgent Partner · CYPRUS INSURANCE BROKERAGE
HJS Insurance
Agents & Consultants — Business and Personal Insurance Across Cyprus
Tailored cover for businesses, families, and professionals — from liability, property, and group benefits to home, car, life, and expat insurance. Working with five leading local and global insurers to find the right protection, not the nearest one. Trust · Ethos · Service · Commitment · Excellence.
Introduction encrypted end-to-end. Commission agreed upfront. 0% to MezAgent.
HJS Insurance Agents & Consultants
Business & Personal Insurance Brokerage · Nicosia, Cyprus
| Business | Liability, property, office, D&O, cyber, marine cargo, professional indemnity |
| Personal | Home, car, property owners, life & medical, travel, expat cover |
| Group benefits | Group life & medical, provident fund, foreign workers’ medical |
| Wealth | Wealth & income protection, pension and retirement planning |
| Website | hjsinsurance.com.cy |
Submit via MezAgent. Your client’s details are encrypted until HJS Insurance confirms the introduction. Commission agreed before any client information is shared.
Verified MezAgent partner
40+
Collective years of
insurance expertise across
the team
5
Leading local and global
insurers — independent
advice
20+
Business and personal
insurance lines under one
roof
100%
Customer satisfaction, with
personal support across
Cyprus
ABOUT HJS INSURANCE
An independent Cyprus brokerage protecting businesses, families, and professionals
HJS Insurance Agents, Sub-Agents & Consultants Ltd is a Nicosia-based brokerage offering business and personal insurance across Cyprus. Rather than represent a single insurer, HJS works with the most respected local and global providers — comparing the market on a client’s behalf and arranging cover that fits their actual risk, not a one-size-fits-all policy.
Business and personal lines in one relationship — from employers’ and public liability, professional indemnity, and directors’ & officers’ cover, through to home, car, life and medical, travel, and expat insurance. Every recommendation is built around the individual or company in front of them.
HJS is based at Labs Tower in Nicosia and serves the whole island digitally — online consultations, online documentation and policy handling, and personal support when clients need it. The firm is a particularly strong fit for expatriates and internationally mobile clients settling in Cyprus.
“Insurance is only as good as the advice behind it. Our role is to understand the risk first, then find the cover that genuinely protects our clients — with the service and care they deserve at every step.”
— HJS Insurance Agents & Consultants
40+ Years of Collective Expertise
A specialist team with decades of combined experience advising Cypriot and international clients across the full range of business and personal insurance needs.
Independent Across Five Insurers
HJS is not tied to one provider. By comparing five leading local and global insurers, the firm arranges cover and pricing that suits the client — not the carrier.
Business and Personal Under One Roof
Liability, property, group benefits, professional indemnity, home, car, life, and travel — a single trusted relationship covering both sides of a client’s life.
Digital-First, All-Cyprus Service
Online consultations, online documentation and policy handling, and responsive WhatsApp and phone support — clients are served wherever they are on the island.
Expat and Relocation Specialists
From GESY versus private medical cover to expat home, car, and foreign workers’ insurance, HJS guides newcomers and internationally mobile clients through the Cyprus market with clarity.
INSURANCE CATEGORIES
Comprehensive cover across business and personal lines
BUSINESS · LIABILITY & PROFESSIONAL RISK
Liability, Indemnity & D&O
Employers’, public, and product liability, professional indemnity, and directors’ & officers’ liability — protecting companies, boards, and professionals against the claims that can threaten a business. Compulsory professional indemnity arranged where regulation requires it.
For SMEs, professionals, and corporate boards
BUSINESS · PROPERTY & OPERATIONS
Property, Office & Marine Cargo
Commercial property, office contents and interruption, marine cargo for goods in transit, and building administrative committee cover for shared developments. The physical and operational risks behind running a business in Cyprus, fully covered.
Property, office, cargo and shared buildings
BUSINESS · PEOPLE & BENEFITS
Group Benefits & Cyber
Group life and medical schemes, provident fund and retirement plans, foreign workers’ medical cover, business accident and travel, and cyber risk insurance — protecting both a company’s people and its data in one coordinated program.
Employee benefits, provident funds and cyber
PERSONAL · INDIVIDUALS & FAMILIES
Home, Car, Life & Travel
Property owners and expat home insurance, car cover, life and medical, travel, and wealth and income protection. Tailored personal lines for residents, expatriates, and internationally mobile individuals settling in Cyprus.
Home, motor, life, travel and wealth protection
SERVICES FOR CLIENTS IN CYPRUS
Everything a Cyprus business or family needs in one advisory relationship
01
Business Liability Insurance
Employers’, public, and product liability cover for companies of every size — protecting the business against injury, damage, and third-party claims arising from its day-to-day operations.
02
Property, Office & Marine
Commercial property, office, and marine cargo insurance — covering premises, contents, business interruption, and goods in transit so a single event never stops the business.
03
Group Life, Medical & Provident Fund
Group life and medical schemes, provident fund and retirement plans, and foreign workers’ medical cover — competitive employee benefits that help businesses attract and retain talent.
04
Professional Indemnity & D&O
Professional indemnity, compulsory indemnity for regulated professions and architects, and directors’ & officers’ liability — protecting individual professionals and the people who lead organisations.
05
Personal & Expat Insurance
Home, car, property owners, life and medical, travel, and wealth protection — including expat home and auto cover and guidance on GESY versus private medical for newcomers to Cyprus.
06
Specialised & Niche Cover
Cyber risk, technology company insurance, building administrative committee cover, and bespoke specialized products — solutions for the risks that standard policies do not reach.
For MezAgent Advisors
Why your clients belong with HJS Insurance
01
Business and personal cover in one relationship
Your client does not need separate brokers for the company and the family. HJS covers liability, property, group benefits, home, car, life, and travel through a single trusted relationship — which reflects directly on the quality of your introduction.
02
Independent advice across five insurers
HJS is not tied to one carrier. By comparing five leading local and global insurers, your client gets cover and pricing matched to their actual risk — advice they can trust rather than a single insurer’s catalogue.
03
Expat and relocation specialists
For internationally mobile clients moving to or investing in Cyprus, HJS handles expat home and auto, foreign workers’ medical, and the GESY-versus-private decision — the questions newcomers ask most, answered clearly.
04
The conversations your clients are already having
New office, new property, a growing team, a move to Cyprus — these moments all raise an insurance question. HJS turns those everyday conversations into properly structured cover. Your introduction provides the bridge.
05
Digital-first, responsive service
Online consultations, online documentation and policy handling, and quick WhatsApp and phone support across the whole island. Your client is looked after personally, without the friction of in-person paperwork.
06
Your introduction is protected from the start
Through MezAgent’s platform, your referral is encrypted and backed by a digital agreement from the moment of submission. Your role in the transaction is recorded, your commission is agreed upfront, and you track every step through to completion.
Introduce a Client via MezAgent
Your client deserves insurance
advice built around their actual risk
Submit a warm introduction to HJS Insurance through your MezAgent advisor account. Your client’s details are encrypted and protected. HJS responds personally, and your referral is agreed and tracked from the moment of submission.