Guardian Life Of The Caribbean LIMITED

Guardian Life Of The Caribbean LIMITED, a for-profit insurance carrier based in Bridgetown, Barbados, provides health and life insurance coverage for locally employed staff at U.S. Embassy locations as a sole-source prime contractor on a single-award Department of State indefinite-delivery contract. The vendor operates exclusively in full-and-open (no set-aside) competition and has no sub-award footprint.

Guardian Life's customer base is consolidated within the Department of State. The sole parent vehicle is a single-award indefinite-delivery contract (19GE5024D0021) valued at $1.6 million with a performance period extending through July 31, 2029, awarded by the Department of State Bureau of Human Resources and funded through task orders issued by the Bureau of Western Hemisphere Affairs. All six task orders under this IDC are to Guardian Life; the vendor holds 100% of awards across a two-agency Department of State footprint (US Embassy Georgetown and the Bureau of Western Hemisphere Affairs). Combined potential value across all seven awards is $2.5 million, with $880 thousand obligated to date (35% of potential value).

Representative work includes a $257.7 thousand firm fixed-price delivery order issued August 1, 2024, for health insurance services for locally employed staff at U.S. Embassy locations in Bridgetown, Barbados and St. Georges, Grenada (performance through July 31, 2025); a $246.9 thousand delivery order issued August 1, 2025, for the same scope (performance through July 31, 2026); and a $230.2 thousand delivery order issued August 1, 2026, for life insurance coverage across both embassy locations (performance through July 31, 2027). The originating pre-solicitation notice, posted in November 2023, targeted health insurance and group life/accidental insurance services for an estimated 100 locally employed staff members. Offerors were required to demonstrate ability to perform and conduct business in Barbados and to maintain SAM registration.

Activity has been intermittent — three awards in 2024, two in 2025, and two in 2026 — reflecting the rolling renewal schedule of the underlying IDC. Two awards (combined potential value $280 thousand) reach ultimate completion within the next twenty-four months and face recompete. Guardian Life's entire federal footprint is concentrated in health and life insurance (NAICS 524130, Direct Health and Medical Insurance Carriers; PSC 62, Social-Government Health Insurance Programs) delivered to a single customer agency at two Caribbean locations, with no diversification into other agencies, geographies, or capability domains.