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Ronald Domacassé provides expert advice and brokerage services for insurance, mortgages, and pension solutions across Aruba, Bonaire, Curaçao, and St. Maarten. Self-insure right away Free consultation Welcome, Bonbini Ronald Domacassé is your trusted insurance expert for Aruba, Bonaire, Curaçao, and Sint Maarten. We provide professional advice and tailored solutions in insurance, mortgages, and financial services, fully adapted to your personal or business situation. With extensive knowledge and years of experience, we help protect your assets and secure your financial future. . Select your island and get insured online instantly. ARUBA BONAIRE CURAÇAO ST. MAARTEN If you would like more information about our products and services, please contact us today. Contact Blogs & News Insurance Solutions for Tourism Professionals: Protect What You Have Worked Hard to Build The tourism industry is built on hospitality, service, and creating unforgettable experiences. Whether you operate as a tour guide, excursion company, restaurant, beach club, diving school, or any other tourism professional, visitors rely on your expertise, dedication, and commitment to excellence every day. While the industry offers many opportunities, it also comes with risks. A vehicle accident, liability claim, workplace injury, property damage, or temporary disability ca Ronald Domacassé 3 min read Have You Reviewed Your Home and Contents Insurance Recently? Your home and personal belongings often represent some of the most valuable assets you have built up over the years. Home improvements, a new garage or porch, new furniture, electronics, or other valuable possessions can significantly increase the value of your property and contents. As your circumstances change, it is important to ensure that your insurance coverage keeps pace. Regularly reviewing your home and contents insurance can help prevent unpleasant surprises when yo Ronald Domacassé 2 min read The New Guardian Group MediFlex Basic: A Temporary Solution for Essential Health Coverage Access to healthcare should not depend on timing or administrative circumstances. However, many individuals face challenges such as expired residency documents or delays in registration, making it difficult to obtain standard health insurance. To address this gap, Guardian Group introduces the new MediFlex Basic—a renewed approach to temporary health coverage designed to provide support when it is needed most. What Is MediFlex Basic? MediFlex Basic is a temporary health insur Ronald Domacassé 1 min read

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension & investment on the Islands of Curacao, Bonaire, Aruba and St. Maarten. 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

Protection of your business interests and against interruptions in the event of damage. Business You take risks every day as an entrepreneur. Many of these are manageable and are part of the daily routine. However, there are also risks that you would rather limit, due to the extensive consequences. For this we offer you, on behalf of Guardian Group Fatum, attractive insurance packages. This way you can focus on your business operations without worry. Liability During work, situations may arise in which you or one of your employees causes damage to third parties. This can have major consequences for the continuity of your company. Therefore, take out liability insurance for a comfortable working environment in which you and your employees feel safe. Fire The consequences of a fire often go far beyond the material damage caused by the fire on the spot. Consequential damage is also our concern. In addition to material damage to the office, inventory and storage, you can also insure loss of income with our comprehensive fire insurance. Construction and building work The construction or renovation of your business premises involves risks. Material defects, construction and workmanship errors and the financial consequences of material damage are just some of these risks that you would rather not worry about. All persons and companies involved in the construction are also at risk. We are happy to help you with construction insurance for construction works. Motor vehicles With one or more cars in your fleet, be it sales representatives visiting customers or drivers delivering goods, you want to be sure that you and / or your employees remain mobile. With our motor insurance your cars are covered in the way you want. Transport A must for companies dealing with goods transport. If your income is (partly) dependent on goods that are being transported, transport insurance is indispensable. With tailor-made transport insurance, you are assured of the right cover and you never pay too much. Corporate Benefit Plan As an entrepreneur you can also put together a customized package. Guardian Group Fatum's so-called 'Corporate Benefit Plan' is a collective package with all the aforementioned insurance products. It gives you as an entrepreneur a better insight into the consequences of risks and the associated costs, specifically for your company. With attractive and advantageous discounts, there are many more benefits that the Guardian Group Fatum Corporate Benefit Plan brings.

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.

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. Guardian Group pensions As an employer you are responsible for a good working environment. Part of that working environment are secondary employment conditions, such as a good pension. Choose a good pension from Guardian Group for your employees and take advantage of it on the labor market. A pension is a form of income, especially for situations in which the regular income is lost. For example, above the age of sixty, in the event of incapacity for work or, for survivors in the event of death. The government partially provides this pension in the form of AOV, but this AOV is by no means sufficient for the average Curacao pensioner. More and more companies therefore see it as their task to ensure that their employees are left behind. In Aruba, a pension plan is even mandatory! Why Guardian Group? In addition to an attractive pension, it is essential that you choose a reliable, solid partner. A partner who also complies with the locally applicable laws and tax requirements. With over 116 years of experience, Fatum has proven to be a stable partner for entrepreneurs with a long-term vision, who has all the expertise to provide you with the right advice in addition to a solid pension. Guardian Group thinks along with you and takes care of everything for you. Now and in the future. Costs under control The costs of a pension are lower than you think and completely depend on your wishes and requirements. In addition to an advantageous premium, pension schemes offer an attractive tax benefit for you and your employees. Make an appointment with us to find out exactly what your premium will be and how much benefit you will enjoy. Guardian Group is happy to find a suitable solution for your company and situation. What does a pension scheme consist of? You can see a pension most simply as a substitute for income for those situations in which the regular income is lost. For example, after reaching retirement age. But also consider a situation in which an employee becomes incapacitated for work or dies before retirement, leaving a family empty-handed. In both cases, the monthly income from activities ceases and this gap must be filled by another income provision. The government offers a replacement income in the form of social insurance, but the income from this 'social safety net' is often much lower than the income that has disappeared. As an employer you can do a lot for your employees in this by arranging things well in advance. Most pension plans consist of: Save for later Death benefit Provision for incapacity for work Fill in yourself You can choose this cover, whether or not in consultation with your employees, and fill it in however you want. Employers often take the available budget into account. What does a pension cost? The costs of a pension can be fully determined by the employer. As a rule, an amount is used that varies between 5% and 20% of the salaries. The costs of the pension are also deductible from the profit, which means that the net costs for the employer are lower. Any contribution from the employee is also tax deductible. The main building blocks are listed below by way of illustration: Save for later ANG. 15,000 upon death before the retirement date Provision for incapacity for work When should I start? The following applies to a pension: the earlier you start saving, the more you can save for and with your employee. If you opt for a fixed monthly contribution, the pension capital will decrease the later you start saving. So lay the foundation stone for the retirement of your employees today! Direct professional advice or a no-obligation quote about the right pension scheme for your company? Please contact us for more information. Guarantee your employees a well-cared-for old age with Guardian Group!

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. Personalized coverage for medical expenses. There's no escaping it: we can all fall ill from time to time. Being incapacitated by an illness not only brings inconvenience, medical bills add up fast, even more so if the condition or illness is long-term or chronic. To make sure you receive good medical care without experiencing financial hardship, Guardian Group has compiled the perfect medical coverage for you. What is insured? The costs of a treatment of illnesses or disorders are covered by our health insurance. Hospitalization and treatment Specialist treatment Family doctor and medication Additional costs (laboratory, X-ray, etc.) Dental treatment, eyeglasses and contact lenses Are you insured for medical expenses with the SVB? Then we have an additional package for you so that you are extensively insured for medical expenses. You can choose from Supplementary Mediflex Deluxe or Premium Dental costs Glasses / contact lenses Paramedic care: additional number of treatments over and above what the SVB covers Cover abroad: in addition to your SVB cover. If you unexpectedly need medical assistance during an accident or a non-existing illness during a stay abroad, you are also covered Preventive you can do a medical check-up abroad every 3 years Extra home care days after delivery Extra costs for branded drugs Get a Quote | Contact us

Take out travel insurance online or contact for advice. We represent Guardian Group Dutch Caribbean (Curacao, Bonaire, Aruba and St. Maarten). Travel Insurance Enjoy your vacation with peace of mind with the travel insurance from Guardian Group. Whether you are planning a short city trip, business trip, or an extended vacation, we provide excellent worldwide coverage. Including reimbursement for medical expenses resulting from an acute illness or accident during your trip, so you can travel worry-free. Short-Term and Annual Travel Insurance With Guardian Group’s travel insurance, you are well protected against unexpected events during your trip. You can choose from: Short-Term Travel Insurance — ideal for a specific trip or vacation. Annual Travel Insurance — suitable if you travel multiple times per year or for extended periods throughout the year. Why Travel Insurance Is Important The importance of good travel insurance is often underestimated. However, unexpected situations during your trip can result in significant expenses. For example: loss or theft of luggage; medical expenses due to illness or an accident; damage to your accommodation; unexpected dental expenses. With the right travel insurance, you can reduce these financial risks and travel with greater confidence. What Is Covered? Below is an overview of the main coverages: Medical expenses due to an acute illness or accident during your trip Travel luggage Emergency dental treatment Accident coverage Damage to accommodation Depending on your personal situation and existing health insurance coverage, you can choose a package that best suits your needs. We also offer suitable options if you do not require additional medical coverage abroad. Coverage for Children Children up to 4 years old are insured free of charge. Special rates apply for children between 4 and 16 years old. Apply Online or Request Personal Advice You can easily purchase your travel insurance online or contact us for personalized advice. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten

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. It can happen to everyone: a car accident. Guardian Group Fatum's vihicle insurance offers you peace of mind and the coverage you need. Every vehicle is different, and everyone has their own wishes. Third Party Third-party liability insurance is required by law. This insurance covers damage caused by the insured to an (object of a) third party. Third Party Plus Third-party liability insurance is often used when cars are too old for comprehensive insurance, but too young for only third-party liability. Among other things, the consequences of damage due to theft or attempted fire and explosion are covered with WA+ and roadside assistance . All Risk The hull insurance covers damage to your cars, such as damage as a result of theft, fire, explosion and storm, but also collision and roadside assistance . New value scheme: Guardian Group offers the new-for-old scheme for cars up to three years old. If the car is declared a total loss in the event of damage, the replacement value will be paid out. This saves you a lot of costs. Moreover, in combination with the hull insurance, you do not pay any deductible and you do not lose a no-claim discount if an uninsured counterparty hits you or in the event of a "hit & run". Personal Accident for Occupant Insurance (POI): An accident can cause more damage than just your car. Occupants can be injured or – worse – death as a result of an accident. Therefore, make sure you are covered for the costs of this with the POI. Your passengers are covered (up to a certain maximum) for the costs of disability or death as a result of an accident. You can also insure the driver. Are you over 50 years old? Then we have an extra attractive car insurance policy for you. Ask about this if you want to take out car insurance. The extras are: Comprehensive coverage at an attractive premium Quick build-up of the No-Claim discount for damage-free driving. No-Claim protection if you have built up a large discount. No deductible in case of hull damage. Roadside assistance Motorcycle insurance Motor scooter Motorcycle Trike Quad Do you want to know exactly what's covered, a quotation or need assistant? Please feel free and contact us for more information or continue with our online services. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten

Protection of your business interests and against interruptions in the event of damage. Business You take risks every day as an entrepreneur. Many of these are manageable and are part of the daily routine. However, there are also risks that you would rather limit, due to the extensive consequences. For this we offer you, on behalf of Guardian Group Fatum, attractive insurance packages. This way you can focus on your business operations without worry. Liability During work, situations may arise in which you or one of your employees causes damage to third parties. This can have major consequences for the continuity of your company. Therefore, take out liability insurance for a comfortable working environment in which you and your employees feel safe. Fire The consequences of a fire often go far beyond the material damage caused by the fire on the spot. Consequential damage is also our concern. In addition to material damage to the office, inventory and storage, you can also insure loss of income with our comprehensive fire insurance. Construction and building work The construction or renovation of your business premises involves risks. Material defects, construction and workmanship errors and the financial consequences of material damage are just some of these risks that you would rather not worry about. All persons and companies involved in the construction are also at risk. We are happy to help you with construction insurance for construction works. Motor vehicles With one or more cars in your fleet, be it sales representatives visiting customers or drivers delivering goods, you want to be sure that you and / or your employees remain mobile. With our motor insurance your cars are covered in the way you want. Transport A must for companies dealing with goods transport. If your income is (partly) dependent on goods that are being transported, transport insurance is indispensable. With tailor-made transport insurance, you are assured of the right cover and you never pay too much. Corporate Benefit Plan As an entrepreneur you can also put together a customized package. Guardian Group Fatum's so-called 'Corporate Benefit Plan' is a collective package with all the aforementioned insurance products. It gives you as an entrepreneur a better insight into the consequences of risks and the associated costs, specifically for your company. With attractive and advantageous discounts, there are many more benefits that the Guardian Group Fatum Corporate Benefit Plan brings.