Heat oil in a Dutch oven over medium-high heat. Season the chicken thighs with salt and black pepper before placing them skin-side down in the hot oil. Sear until golden brown on both sides, approximately 5-7 minutes per side, then remove from the pot and set aside.
In the same pot where you browned the chicken, add diced onion, red bell pepper, minced garlic, and Scotch bonnet peppers if using. Sauté these ingredients over medium heat until they become softened and aromatic, about 5 minutes. Stir in fresh thyme, ground allspice, and curry powder to create a flavorful base.
Once your vegetables are fragrant, add in the long-grain rice to soak up those delicious flavors from the pot. Stir continuously for about 2-3 minutes until each grain is coated with spices and well-toasted.
Pour in coconut milk and chicken broth into your pot along with any beans or peas you wish to include. Stir gently to combine everything before returning your seared chicken thighs back into the pot so they can nestle into that flavorful rice mixture.
Cover your pot with a lid and reduce heat to low. Allow everything to simmer together for about 25-30 minutes until both the rice is fluffy and has absorbed all liquid while ensuring that chicken reaches an internal temperature of at least 165°F (74°C).
After cooking time is complete, remove pot from heat but let it rest covered for an additional five minutes before fluffing up your rice with a fork gently. Garnish with freshly chopped cilantro or parsley as well as lime wedges on top before serving!