Why should I choose Alpha Insurers?


  • We provide professional, friendly service with trained underwriters.
  • We have extended monthly plans to minimize payments.
  • We offer free additional benefits including free 24-hour emergency roadside assistance!
  • We have an in-house quick claims service and licensed adjusters with over 30 years of experience.
  • We have two convenient locations in Hagatna and Dededo to renew your policy and make payments.
  • We GUARANTEE* to beat your current rate by offering the most competitive discounts on Guam!

*Restrictions apply. Call Alpha Insurers for details.

I have just been involved in an auto accident, what do I need to do?


Immediately report the accident to Beneficial Adjusting Co. by phone and/or visit our Hagatna office and fill out the accident forms.


You will also need to:


  • Provide a Police Report
  • Provide a copy of the vehicle’s registration and your driver’s license.
  • Provide Two (2) repair estimates and submit them to our office.


What types of insurance does Alpha Insurers offer?

Alpha Insurers offers home, auto, commercial, and marine cargo insurance. We also offer bonding, specializing in construction bonds.

Does Alpha Insurers offer health insurance?

We currently do not offer health insurance.

Where is Alpha Insurers located?

Alpha Insurers has two convenient locations in Hagatna and Dededo to better serve you. Please see our Location & Hours page for exact locations.

What are Alpha Insurers' office hours?


Hagatna Office
Monday – Thursday: 9am – 5pm
Friday: 9am – 6pm
Saturday: 9am – 1pm
Sunday: Closed


Dededo Office
Monday – Thursday: 9am – 5pm
Friday: 9am – 6pm
Saturday: 9am – 5pm
Sunday: Closed


How can I make payments, and what types of payments does Alpha Insurers accept?


    1. Mail – Send a check with your monthly bill in the mail.
    2. Walk-in – Make a payment at any of our convenient locations in Hagatna or Dededo.
    3. Payroll Deduction – Set up payments to be automatically deducted from your paycheck each month.
      • We accept GovGuam payroll deductions.
    4. You can pay for your insurance policy with the following:
      • Cash
      • Credit Card (Visa or MasterCard)
      • Personal Check


Does Alpha Insurers provide claims service?


Yes, Alpha Insurers has an in-house claims department at our Hagatna location. Our licensed adjusters are professionally trained and have over 30 years of experience to settle all your claims in a quick and fair manner.


Beneficial Adjusting Co.
Alpha Insurers Bldg., 1st floor
123 Archbishop Flores St.
Hagatna, Guam 96910
Tel: (671) 477-1568/9
Fax: (671) 477-1570


What documents are required for an auto insurance policy?


  • Vehicle registration and ownership, or bill of sale for newly purchased vehicles (registration needs to be submitted later). If second-hand vehicle(s), the reverse side of ownership has to be signed by the original owner.
  • Driver’s license for owner(s) and all other driver(s)
  • Safety Inspection
  • Traffic court clearance from Superior Court
  • No Claims Letter from previous insurance company, if applicable.


How does Alpha Insurers determine my insurance rate?

There is a standard tariff insurance rate for all Guam insurance companies. From that standard rate, your driving record, claims experience, type of vehicle, and driver classification (which includes age, gender, and other factors) determine your annual insurance rate.

Do I need a new policy to add a driver or vehicle?

No, if you are currently a customer, to add a driver to your policy, you would need to bring in a copy of his/her driver’s license. To add a vehicle, you need to submit a copy of the registration stating that the vehicle is registered under your name. However, if you just purchased the vehicle from a dealership, you would need to submit a copy of the bill of sale. If you purchased the vehicle from another person, you need to submit a copy of the ownership signed by the former owner.

What is a deductible?

A deductible is a part of the insurance policy that the customer agrees to self-pay. If a customer files a claim, the customer must meet the deductible stated in the insurance policy upfront before the insurance begins to pay.

What company does Alpha Insurers represent?

Chung Kuo Insurance Co., Ltd. of Taiwan. Chung Kuo Insurance is rated BBB+ by S&P and A- by Moody’s and currently has over $11,087.20 million in assets.


If you have any other questions, please feel free to contact us or visit us.



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