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                                                                    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: September 15, 2003

                                    ____________________________________________
                                    Signature (signed) "Primo Podorieszach"
                                    Name:  Primo Podorieszach
                                    Title: President and Chief Executive Officer


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I, Shelley Samec, 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: September 15, 2003

                                            ____________________________________
                                            Signature (signed) "Shelley Samec"
                                            Name:  Shelley Samec
                                            Title: Chief Financial Officer