EXHIBIT 12.1

                                 CERTIFICATIONS

     I, Primo Podorieszach, certify that:

     1. I have  reviewed  this  annual  report  on Form  20-F of  Anthony  Clark
International Insurance Brokers Ltd.;

     2. Based on my knowledge, this report does not contain any untrue statement
of a  material  fact or omit to  state a  material  fact  necessary  to make the
statements made, in light of the circumstances  under which such statements were
made, not misleading with respect to the period covered by this report;

     3. Based on my knowledge,  the financial  statements,  and other  financial
information included in this report, fairly present in all material respects the
financial condition,  results of operations and cash flows of the company as of,
and for, the periods presented in this report;

     4. The company's  other  certifying  officer(s) and I are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the company and have:

          (a) Designed such disclosure  controls and procedures,  or caused such
     disclosure controls and procedures to be designed under our supervision, to
     ensure that  material  information  relating to the company,  including its
     consolidated  subsidiaries,  is made  known to us by  others  within  those
     entities,  particularly  during the  period in which  this  report is being
     prepared;

          (b) Evaluated the effectiveness of the company's  disclosure  controls
     and  procedures  and  presented  in this report our  conclusions  about the
     effectiveness of the disclosure  controls and procedures,  as of the end of
     the period covered by this report based on such evaluation; and

          (c)  Disclosed  in this  report any change in the  company's  internal
     control over financial reporting that occurred during the period covered by
     the annual report that has materially affected,  or is reasonably likely to
     materially  affect,  the  registrant's   internal  control  over  financial
     reporting; and

     5. The company's other certifying officer(s) and I have disclosed, based on
our most recent evaluation of internal control over financial reporting,  to the
registrant's  auditors  and the audit  committee  of the  registrant's  board of
directors (or persons performing the equivalent functions):

          (a) All significant deficiencies and material weaknesses in the design
     or  operation  of  internal  control  over  financial  reporting  which are
     reasonably  likely to  adversely  affect the  company's  ability to record,
     process, summarize and report financial information; and

          (b) Any fraud,  whether or not material,  that involves  management or
     other  employees  who have a  significant  role in the  company's  internal
     control over financial reporting.


Date:    November 17, 2004

                                 /s/ Primo Podorieszach
                                 ----------------------------------------------
                                 Signature
                                 Name: Primo Podorieszach
                                 Title: President and Chief Executive Officer





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                                 CERTIFICATIONS

     I, Mahesh Bhatia, certify that:

     1. I have  reviewed  this  annual  report  on Form  20-F of  Anthony  Clark
International Insurance Brokers Ltd.;

     2. Based on my knowledge, this report does not contain any untrue statement
of a  material  fact or omit to  state a  material  fact  necessary  to make the
statements made, in light of the circumstances  under which such statements were
made, not misleading with respect to the period covered by this report;

     3. Based on my knowledge,  the financial  statements,  and other  financial
information included in this report, fairly present in all material respects the
financial condition,  results of operations and cash flows of the company as of,
and for, the periods presented in this report;

     4. The company's  other  certifying  officer(s) and I are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the company and have:

          (a) Designed such disclosure  controls and procedures,  or caused such
     disclosure controls and procedures to be designed under our supervision, to
     ensure that  material  information  relating to the company,  including its
     consolidated  subsidiaries,  is made  known to us by  others  within  those
     entities,  particularly  during the  period in which  this  report is being
     prepared;

          (b) Evaluated the effectiveness of the company's  disclosure  controls
     and  procedures  and  presented  in this report our  conclusions  about the
     effectiveness of the disclosure  controls and procedures,  as of the end of
     the period covered by this report based on such evaluation; and

          (c)  Disclosed  in this  report any change in the  company's  internal
     control over financial reporting that occurred during the period covered by
     the annual report that has materially affected,  or is reasonably likely to
     materially  affect,  the  registrant's   internal  control  over  financial
     reporting; and

     5. The company's other certifying officer(s) and I have disclosed, based on
our most recent evaluation of internal control over financial reporting,  to the
registrant's  auditors  and the audit  committee  of the  registrant's  board of
directors (or persons performing the equivalent functions):

          (a) All significant deficiencies and material weaknesses in the design
     or  operation  of  internal  control  over  financial  reporting  which are
     reasonably  likely to  adversely  affect the  company's  ability to record,
     process, summarize and report financial information; and

          (b) Any fraud,  whether or not material,  that involves  management or
     other  employees  who have a  significant  role in the  company's  internal
     control over financial reporting.

Date:    November 17, 2004

                                 /s/ Mahesh Bhatia
                                 ----------------------------------------------
                                 Signature
                                 Name: Mahesh Bhatia
                                 Title: Interim Chief Financial Officer