Protection of your business interests and against interruptions in the event of damage. Construction All Risks (CAR) Insurance Construction projects create opportunities, but they also involve risks. A minor error, delay, or unexpected loss can have significant financial consequences for your project. With Construction All Risks (CAR) Insurance, you are protected against the key risks that may arise during the construction phase. While you focus on building your client’s success, we provide the security behind the scenes. What is Covered? CAR Insurance covers physical loss or damage to the works during the construction, building, renovation, or refurbishment period. Theft of construction materials from the construction site is also covered during the policy period. Who is Insured? All parties involved in the construction project can be insured, including: Project owners Contractors and subcontractors Installers Architects and consultants Other parties contractually involved in the project The Works The insured works include physical loss or damage occurring during the construction period, including: Damage to the works themselves Theft of construction materials from the construction site Materials located on the premises for which the policyholder bears the responsibility and risk Costs for temporary supporting structures and temporary works, including erection and removal Construction Equipment and Temporary Facilities Essential construction equipment and temporary facilities can also be insured, including tools, machinery, site cabins, sheds, and scaffolding. These are covered against loss, damage, and theft, provided they are located at the construction site and fall under the responsibility and risk of the policyholder. Existing Property of the Project Owner The policy can cover damage occurring during the construction work to existing property belonging to the project owner, such as buildings and contents already present at the site. Liability — Secondary Coverage In addition to cover for physical loss or damage, CAR Insurance also provides secondary liability coverage for legal liability arising from damage to third parties caused by the construction activities at the project site. Maintenance Period Following completion and handover of the project, the coverage can be extended to include a maintenance period. This period begins after completion of the works and can be aligned with the terms and conditions specified in the project specifications or construction contract. During the maintenance period, you remain insured against damage related to the completed works, subject to the terms, conditions, exclusions, and limits of the policy.

Get in touch with Ronald Domacassé, insurance expert at Guardian Group. Receive personal advice on insurance, pension, and mortgage solutions across the Caribbean. CONTACT Curacao Cas Coraweg 2 Willemstad Bonaire Kaya Gobernador N Debrot 35 Kralendijk Aruba LG Smith Boulevard 162 Oranjestad St. Maarten AJC Brouwers Road 6 Philipsburg +599 9 777 7158 +599 9 560 4000 ronald.domacasse@myguardiangroup.com Firstname Lastname E-mail Phone (mobile) Island Message Thanks you for your message! Send

Calculate and purchase (Curacao, Bonaire, Aruba, St. Maarten) insurance online in 3 minutes. Fast, easy, practical and secure ... Easily purchase your insurance online Would you like to purchase your insurance online? It’s quick and easy! Simply choose your preferred location below and click the button to get insured for: Aruba, Bonaire, Curaçao, or St. Maarten. Manage everything in just a few clicks, whenever it suits you. Please note: not all insurance options are available online. If you cannot find the coverage you’re looking for, feel free to contact us for personalized assistance. ARUBA BONAIRE CURACAO ST. MAARTEN Insured according to your situation When taking out an insurance, there are several options. First of all it is important to determine exactly what you want to be insured for. Many insurance policies have various options in terms of coverage, thus it is crucial to determine which insurance best suits your personal situation. Personal contact Fortunately you are not alone in this. Ronald Domacasse is your Guardian Group Expert and is happy to help you. As your personal advisor he will help you make the right choices regarding taking out insurance. With his years of experience he is capable of not only helping you take out the insurance, but also adjusting the insurance if your situation has changed or if you want to file a claim. Accessible and reliable Your personal Guardian Group Expert is always there for you and easily accessible in case you need help. This can be offline but also online. There are various options by telephone to schedule an appointment and to be advised. It is even possible to take out insurance online with your Guardian Expert. Quick, easy and reliable!

Ronald Domacassé, expert bij Guardian Group, adviseert en bemiddelt op het gebied van verzekeringen, pensioenen en hypotheken. Of sluit zelf online uw verzekering af in 3 minuten. Pensions What’s insured? Guardian Group pension insurance is a savings plan for life. You design your own pension plan. A pension plan that meets your needs, and provides an extra income to enjoy a comfortable retirement. Remember the sooner you start, the more you can save towards your retirement. So it makes sense not to wait too long. A number of options are available for structuring your pension plan. Pension insurance with Guardian Group is always flexible, and can be tailored to your individual situation. For example, you can opt to build up a fixed, lifelong pension for your retirement. In this case, you decide your future pension at the start of the pension plan. Guardian Group will then work out how much money you need to save, every month. Or, you can start building your pension capital on the basis of how much money you can set aside now. At the retirement date, you can use the capital you have saved to purchase a lifelong pension. In this case, Guardian Group will calculate your pension benefit on the basis of the capital you have saved. This form of pension building is known as a defined contribution (DC) plan and has become popular in recent years. Did you already save your retirement in the past? If you wish, we can transfer previously earned pension rights to your new pension plan. Death benefit If you are married, or if you have a registered partner and /or children, it is important to make sure they are not left empty-handed should you die before the pension date. A surviving dependents and/or orphans pension can be included as part of your pension plan. Occupational disability If you become fully disabled for work, you will not be able to perform paid work, and likely lose your job. To assure that your pension plan continues, you can include a provision in your pension plan that covers you for exemption of premium payments if you become disabled for work. Guardian Group will then pick up the tab and pay the premiums until your pension date. That way, you have the assurance of protecting your life savings until the day you retire. Disability benefits In addition, you can include a disability pension in your pension plan. This is a supplementary insurance that secures you of a fixed income from the day you are permanently disabled, until the pension date. Pension insurance – something for me? Pension insurance is for everyone who believes they will need an extra income to supplement the government old age pension (AOV). Specifically, this group includes people who are in paid employment, but are not enrolled in a pension plan via their employer. A pension plan can be seen as a savings plan that lets you save for your retirement on very attractive terms. The advantage of a pension plan, as opposed to putting money in the bank, is that your pension premiums are (partly) tax deductible. In other words, you’re not only getting a good rate of return and a chance to earn a profit share; you also get a tax break. And that’s something your bank account can’t match! Do you want to know everything about pension insurance? Contact us for more information. >> Pension insurance via employer ?

Ronald Domacassé is an Insurance and Mortgage Advisor with over 25 years of experience, providing expert guidance on insurance, pension solutions, and mortgage financing across the Dutch Caribbean. About me My name is Ronald Domacassé. Since 1999, I have been active in the insurance industry, building extensive experience in insurance, mortgage financing, and financial services. Since 2008, I have been affiliated with Guardian Group, where I assist individuals and businesses across Aruba, Bonaire, Curaçao, and St. Maarten. My expertise includes property and casualty insurance, health insurance, pension solutions, and mortgage financing. I help clients protect what matters most, manage financial risks, and achieve their personal and business goals through tailored solutions and professional guidance. Throughout my career, I have supported families, professionals, entrepreneurs, and companies in making important financial decisions. My approach is based on professionalism, integrity, personal attention, and a commitment to delivering practical and effective solutions. In addition to my advisory role, I conduct presentations and contribute to initiatives within the financial services sector. I am also involved in projects that promote financial awareness, long-term security, and sustainable growth. My goal is simple: to provide clients with trusted advice, personalized guidance, and financial solutions that help them make informed decisions with confidence and peace of mind.

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. What is insured? Life insurance pays out an amount in the event of your death. This could be the amount you owe a lender, for example for the mortgage on your home or the loan for your car. You can also insure yourself against the financial consequences if you have your own business and die. In addition, the insurance is often taken out for life to pay for a funeral. Which insurance is right for me? The term life insurance comes in various forms that offer the perfect solution for different situations. Which insurance is best and in what form depends on the cover you want. Duration of the insurance Guardian Group's death insurance can be taken out for a lifetime. The insured amount will be paid out upon your death. You can also opt for term life insurance. This insurance pays out the insured amount if you die before the end date of the insurance. Insured amount You determine the amount of the insured amount that will be paid out in the event of your death. The amount can remain the same during the term or decrease during the term. Cover extra risk There are numerous situations where the ability to pay the premium for your term life insurance is compromised. Incapacity for work and sudden unemployment are the two most obvious reasons.

Get your insurance in 3 minutes. The Guardian Group portal is fast, easy, convenient and reliable... Easily purchase your insurance online Would you like to purchase your insurance online? It’s quick and easy! Simply choose your preferred location below and click the button to get insured for: Aruba, Bonaire, Curaçao, or St. Maarten. Manage everything in just a few clicks, whenever it suits you. Please note: not all insurance options are available online. If you cannot find the coverage you’re looking for, feel free to contact us for personalized assistance. ARUBA BONAIRE CURACAO ST. MAARTEN Insured according to your situation When taking out an insurance, there are several options. First of all it is important to determine exactly what you want to be insured for. Many insurance policies have various options in terms of coverage, thus it is crucial to determine which insurance best suits your personal situation. Personal contact Fortunately you are not alone in this. Ronald Domacasse is your Guardian Group Expert and is happy to help you. As your personal advisor he will help you make the right choices regarding taking out insurance. With his years of experience he is capable of not only helping you take out the insurance, but also adjusting the insurance if your situation has changed or if you want to file a claim. Accessible and reliable Your personal Guardian Group Expert is always there for you and easily accessible in case you need help. This can be offline but also online. There are various options by telephone to schedule an appointment and to be advised. It is even possible to take out insurance online with your Guardian Expert. Quick, easy and reliable!

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Life insurance Work, home, family: Organizing our lives is a full time occupation! And much of it depends on a regular income. But what if that income suddenly stops, either by natural cause or other circumstance. Could you and/or your loved ones continue to support your standard of living? And what about your children’s future - say, if they want to go to college? None of us like to worry too much about the future. At Guardian Group, we’ve made it our mission to look ahead, with you. What’s insured? A life insurance policy pays out a fixed sum when you die. This can be the amount you owe to a lender, for example, the mortgage on your house, or a car loan. You can also take out life cover if you own a business, to protect you from financial hardship in the event of an untimely death. Often, life insurance is taken out for the purpose of meeting the cost of the funeral. Want to know exactly what’s covered under a life insurance policy, or would like to receive an offer for personalized Life Cover? Which cover suits me? Life cover is available in a number of different forms, providing solutions for individual needs. To decide which cover suits you best and which form to choose, carefully consider your circumstances and the reason(s) why you’re thinking of taking life cover. Period of insurance A life insurance policy with Guardian Group can be entered into for life. The insured sum is paid out when you die. You can, however, also opt for term life. This form of life insurance pays out an insured benefit if you die before the policy maturity date. Insured sum You yourself determine the sum to be paid out when you die. This amount may stay the same, or may reduce over the term of the policy. Additional risk cover There are numerous examples of situations where paying the premium for your life insurance policy might be difficult. Disability for work, or unexpectedly losing your job, are some of the most common reasons. Make sure to get sound advice about your options. Saving Which additional cover should I consider? Over the course of your life insurance policy, there may be times when you might find it difficult- or even impossible- to pay the premium, even for a certain period of time. An illness, perhaps long term, or disability for work come to mind. This is why Guardian Group enables you to take out additional cover, just so you won’t ever have to worry about meeting premium payments. Ask about our additional insurance products when you’re considering an insured savings plan [savings insurance policy]. We’ll gladly explain the options that are available to meet your individual needs and wishes. Premium waiver with occupational disability People become disabled for work, from one day to the next, - whether for a short time or longer- for any number of reasons. Depending on the extent of the disability, Guardian Group can take over your premium payment, either partly or fully, until your recover, or until policy maturity. For a small extra premium, you won’t have to worry about meeting premium payments if you become disabled for work. Permanent disability pension If you become permanently disabled, Guardian Group can provide a periodic income. A provision can be included in your savings policy that provides for this benefit. The amount of the premium will depend, among other things, on the pension you wish to receive in the event of a permanent invalidity. This form of cover is often opted for by business owners who do not have a separate occupational disability policy. Additional accident insurance To insure the risk of death due to an accident, additional cover is available that provides for a second, separate lump sum. The additional payment is effected, immediately upon the insured’s death. Caretaker’s clause If a parent or carer pays into a savings plan on behalf of a child, if the parent or carer dies, Guardian Group is able to take over the responsibility for the premium payments. The Caretaker’s Clause is an option if you wish to be certain of your child financial future, no matter what happens.

Protection of your business interests and against interruptions in the event of damage. Disability Income Insurance What would happen to your income if you were temporarily or permanently unable to work due to illness or an accident? Disability Income Insurance provides financial protection if you become unable to work. If an illness or accident prevents you from working fully or partially, you receive a pre-agreed benefit. This benefit is paid for each day you are considered disabled, in accordance with the terms and conditions of your policy. When taking out the insurance, you determine, among other things, the benefit amount and the waiting period. The waiting period is the period after you become disabled during which no benefit is paid. Who is Disability Income Insurance for? Disability Income Insurance is particularly relevant for: Professionals in salaried employment with an income above the SVB income threshold Self-employed individuals and independent professionals Company directors and statutory directors Choose the coverage that suits you Your personal and financial situation determines how much protection you need. When arranging your insurance, you can consider the following: The benefit amount How much income would you need if you were unable to work? You could, for example, choose a benefit equivalent to approximately 80% of your average income, or opt for a lower amount if that is sufficient for your financial situation. The waiting period Do you have sufficient savings or financial reserves to cover your expenses during the initial period of disability? If so, you may choose a longer waiting period. This can affect the premium you pay. The premium The premium depends on various factors, including your age, occupation, selected coverage and waiting period. Under certain conditions, the premium may be tax-deductible. Protect your income Your income is one of your most important financial resources. If you become unable to work, however, your regular expenses and financial commitments may continue. Disability Income Insurance helps ensure that you continue to have an income if illness or an accident prevents you from working fully or partially. Would you like to know which coverage best suits your personal and financial situation? Contact us for more information and personalized advice.

Guardian Group provides excellent travel insurance coverage. You can take out your own online or contact us for advice. We mediate for Guardian Group Caribbean Netherlands (Curacao, Bonaire, Aruba and St. Maarten). Multi-Trip Travel Insurance Do you travel more often or go away for weekends? A Mediterranean cruise, Disney World with the kids, admiring Kilimanjaro, skiing in Canada or just an unexpected weekend to a neighboring island, it's all on your list. Search for a hotel, find out online what to do during the holiday in the country of destination. Delicious those preparations! You would prefer not to be busy arranging your travel insurance every time. With the continuous travel insurance you are insured all year round! Ideally, you don't have to think about it anymore. Put together a travel package that best suits your situation! The continuous travel insurance is easy to put together and adapt to your situation! This includes being able to co-insure your partner and / or children, expanding it with additional cover, etc. Coverages in your travel insurance You are insured as standard for several trips per year with a maximum duration of 90 consecutive days per trip. The additional cover for travel cancellation also applies to all your trips throughout the year. And in case of an emergency, you can call our emergency number anywhere in the world, day and night. You have standard coverage for: Lost or damaged travel luggage Medical costs in case of accidents or acute illness during your holiday SOS Costs (Necessary travel and accommodation costs in the event of illness / accident / death) You can easily co-insure your partner and children Additional Coverages Extend the maximum duration of each trip to 180 days Winter and underwater sports Accidents: payment in the event of permanent disability or death Air ambulance Travel cancellation all year round The advantages at a glance Plan your trip with pleasure without having to worry about insurance: you are insured all year round Your partner is co-insured all year round from 40 guilders extra per year and for every 4 children you only pay 20 guilders per year. Winter and underwater sports co-insured for only 50 guilders per year Worldwide coverage You save time and money Travel interruption insured as standard Emergency assistance abroad via an emergency number You only have to take out travel insurance once and you can travel unlimited throughout the year Easily expandable with additional cover such as Accident, Air Ambulance, Winter Sports, Continuous Trip Cancellation. You can take out travel insurance online or you can contact us and we help you. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten