Baker Magras & Associates

Baker Magras & Associates

24 D Norre Gade, St. Thomas VI 00802


"We have you covered" text over man holding umbrella

Baker Magras & Associates (BMA) is the premier group health insurance agency in the USVI representing over 325 businesses. Established in 1998, BMA is licensed with all of the major carrier partners in the USVI, US and Puerto Rico and has 6 licensed agents with over 100 years of experience in this important market.

All of our agents are very well-informed in the following areas: EDC Compliance, Policyholder Service, Healthcare Reform (PPACA as it pertains in the US and US Territories), Section 125, COBRA and Medicare. BMA has a strong tradition for service. Each account is personally serviced year round by a designated Account Manager. Great care is taken to ensure the best and appropriate combination of pricing and benefits.

In addition to traditional group health insurance, BMA specializes in all lines of employee benefits, enrollment platforms and benefits administration. We have the knowledge and expertise to streamline your open enrollment and employee onboarding process through technology solutions.

BMA also specializes in individual life insurance planning as well as other traditional services: Voluntary Benefits including but not limited to Accident, Cancer, Disability, EAP and Air Ambulance.

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BMA prides itself on professional and dedicated SERVICE. Our mutual goal is always to obtain the best possible combination of benefits and cost.


Life Insurance Planning
BMA offers counseling on business and individual life insurance planning. From funding Buy Sell Agreements to Key Person policies, BMA has industry experience working with business owners, professionals and highly compensated executives on the importance and strategic advantages of the life insurance vehicle.

Business and Individual policies include multi year term, whole life and universal policies underwritten by A+ rated USA based carriers. The tax advantaged life product offers many benefits from all standpoints—life, death and disability.

We take a conservative, traditional approach to life insurance planning. BMA is well positioned to work with local CPAs and attorneys as many are our clients and familiar with our philosophy.
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Our Services

Comprehensive HR Support 

  • Assist with enrollment, eligibility, invoice and records maintenance
  • Review policy renewals
  • Review quarterly experience information
  • Assist with out-sourced COBRA implementation
  • Provide updates on new legislation
  • Update on licensed USVI carriers

Individual Member Support 

  • Licensed bilingual support personnel
  • Serve as liaison between member and insurance carrier
  • One-on-one assistance to members
  • Review and follow-up on claims and EOBs (Explanation of Benefits)

Cost Containment

  • Assist with the implementation of Section 125 Premium Only Plan (POP)
  • Promote awareness of cost saving options
  • Educate on Provider Network usage
  • Provide Employee Benefit meetings


About Us

Josephine Magras was raised in St. Thomas and became the only locally Registered Health Underwriter in 2002. Josephine is the President, charged with running internal business operations, infrastructure, and claims management.

Kevin Likens, is a Florida native and graduate of the University of Florida. He moved to the USVI in 2011 to join BMA after 10 years in the industry with Allstate Benefits. Kevin is Director of Business Development focusing on client retention, new sales and marketing.

Lionel Downer is a veteran of the health insurance industry with more than 20 years of experience providing Life, Health and Group Benefits support for a wide array of organizations throughout the Caribbean. Lionel provides complete analysis of a business’ employee benefits programs, plan and funding strategies, and professional recommendations that are the best fit for each client.

Shemura Nicholson was raised in St. Thomas and a graduate of William Paterson University. Shemura focuses on client retention and competitive industry trends. With a strong commitment to service, she is passionate about sharing her knowledge with the community.

Julian West hails from the Hospitality and Finance Industry with over 15 years of experience in customer-facing sales & service. Numerous awards throughout his career highlight his dedication to providing the decorum of service expected from a platinum provider of benefit solutions.

Our knowledgeable Account Managers and Customer Service Representatives have over 50 years of combined experience. Raised in the USVI, Arelis Burgos, Khisha Shelford, Luanda Kelly and Josette Cobb are especially familiar with our diverse community. Each are directly involved with our policyholders regarding daily administration, account management and employee information.

Our Carrier Partners

The Leadership Team
Lionel Downer
Sales Executive
p. 340-772-2405 x1612
Kevin Likens
Sales Executive
p. 340-777-4848 x- 1778
Josephine Magras
President - Branch Manager
p. 340-777-4848 x1775
Shemura Nicholson
Sales Executive
p. 340-777-4848 x1781
Julian West
Sales Executive
p. 340-777-4848 x- 1782