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 Your personal advisor for insurance, mortgages, and pensions across the Dutch Caribbean. 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. Do you have a question or need advice? Chat with us, send us a WhatsApp message, or contact us by email. We are happy to help and think along with you. . 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 Free consultation Blogs & News What If Your Rental Property Can No Longer Be Rented Out? For many property owners, a rental property is more than just real estate. It is a valuable investment and often an important source of income. Whether you rent your property short-term through Airbnb or another vacation rental platform, or long-term to a tenant or expatriate, an unexpected event can have significant financial consequences. A fire, storm, water damage, or another unforeseen incident may make your property temporarily uninhabitable or unavailable for rent. In Ronald Domacassé 2 min read Which Insurance Policies Do You Need When Buying, Building, or Renovating a Home? Buying, building, or renovating a home is a significant milestone. If you are financing your property with a mortgage, your lender may require you to obtain certain insurance policies. These policies not only protect your home but also provide financial security for you and your family. Insurance Policies Commonly Required for a Mortgage Mortgage Protection Life Insurance Provides financial security for your beneficiaries by helping to cover all or part of the outstanding mor Ronald Domacassé 1 min read Living in the Caribbean: Curaçao, Aruba or Sint Maarten – Your Next Step Toward Property Ownership Dreaming of living or investing under the Caribbean sun? Owning a home in Curaçao, Aruba, or Sint Maarten is no longer just a dream for many people—it is an achievable next step. With the right financing and guidance, purchasing property in the Caribbean becomes clear, structured, and within reach. Explore Your Opportunities by Island Curaçao – stable and versatile Curaçao offers a solid and diverse real estate market. From modern apartments in Willemstad to spacious homes in Ronald Domacassé 2 min read

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. Home is where the hearth is, and so much more. With Guardian Group's home insurances, it's doesn't matter whether you are a homeowner or a renter we've got you covered. Choose from different products for financial protection for damages to everthing in and outside of your home. Residential building The Guardian Group Home Insurance has very extensive coverage. This cover includes: Damage due to fire and any extinguishing activities Property damage from rain or flood Costs as a result of water pipe damage and costs of detecting the defect Damage from overvoltage/induction and lightning strike Costs for necessary replacement of locks after a break-in or attempted break-in Salvage costs (costs incurred by the insured, during or after a covered event, to prevent further damage) above the sum insured Accident coverage and death risk Free liability insurance for individuals Please note: a home insurance policy does not automatically include your household effects. Guardian Group has the household contents insurance for this. Do you want to know exactly what is covered or do you want a tailor-made policy? please contact us for more information. Household effects The Guardian Group home contents insurance covers your belongings in and around your home against the financial consequences of theft and damage due to, among other things: Fire and any related extinguishing activities Water loss due to damage to the water supply Theft Guardian Group also covers salvage costs, among other things. These are costs above the insured sum that the insured incurs during or after a covered event to prevent further damage. Do you want to know exactly what's covered, a quotation or need assistant? Please feel free and contact us for more information. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten

Take out travel insurance online or contact for advice. We represent Guardian Group Dutch Caribbean (Curacao, Bonaire, Aruba and St. Maarten). Travel Insurance Travel with peace of mind With Guardian Group travel insurance, you are fully protected worldwide during your holiday or business trip. Whether you are planning a short city break or a longer journey, you benefit from comprehensive coverage against unexpected events. This allows you to travel with complete peace of mind. Choose the travel insurance that suits you Short-term travel insurance - Ideal for a single holiday or business trip. Multi-trip travel insurance - The best choice if you travel several times per year. Multi-trip travel insurance business - specially designed for business owners and employees who travel regularly for work. What is covered? Depending on the selected coverage, you are insured for, among other things: Emergency medical expenses due to illness or accident Travel baggage Emergency dental treatment Personal accident coverage Damage to your accommodation Children covered Children up to 4 years old are covered free of charge Children aged 4 to 16 benefit from a reduced premium How to purchase your travel insurance You can easily purchase your travel insurance online or submit a request form for a non-binding quotation. We are happy to assist you in choosing the insurance that best fits your personal situation and travel plans. Select your island Aruba | Bonaire | Curacao | St. Maarten After your selection, you will remain within the online environment of Ronald Domacassé. Here you will be guided through your application and, if desired, receive personal advice. Contact Do you have any questions or need more information? Please feel free to contact us. We are happy to assist you.

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

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. Pension Insurance Build your income for the future, starting today. A pension insurance plan allows you to build additional retirement income step by step, tailored to your personal situation, needs, and financial possibilities. Individual or Group Pension Whether you are an employee, self-employed, business owner, or employer, there are different ways to plan for your retirement. With an individual pension plan, you can build additional retirement income or supplement your existing pension. A group pension plan allows employers to provide retirement benefits for their employees as part of their employment benefits. Build Your Pension Depending on the pension solution you choose, you can receive a lifetime pension benefit or a temporary pension benefit for a specified period. If you have previously built up pension benefits, it may be possible to transfer these existing benefits to your new pension plan. Additional Protection Your pension plan can be extended with additional protection: Survivor’s and children’s pension for your partner and/or children. Premium waiver in case of disability, allowing your pension savings to continue if you become fully disabled. Disability income benefit providing additional income in the event of full disability. Depending on your personal circumstances and applicable tax rules, pension contributions may be partially tax-deductible. Start Planning Early The earlier you start building your pension, the more time you have to prepare for your financial future. Would you like to know how much retirement income you may need? Request a personal pension consultation and discover which pension solution may be right for you.

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. FAQ's Guardian Group Bank Details At Guardian Group Fatum you can also easily pay your premium via the bank. Just don't forget to state your policy number with your name when paying so that we can find out on which policy we have to pay the amount. Read more on the Guardian Group main page Kan ik online een verzekering afsluiten? Ja, u kunt eenvoudig en veilig online een verzekering afsluiten via Ronald Domacassé. Wanneer u een verzekering via Ronald Domacassé afsluit, profiteert u van het gemak van online dienstverlening in combinatie met persoonlijk advies. Ronald wordt uw vaste verzekeringsadviseur en ondersteunt u bij het maken van de juiste keuze, afgestemd op uw persoonlijke of zakelijke situatie. U kunt online terecht voor onder andere een autoverzekering, woonhuisverzekering, inboedelverzekering, reisverzekering, constructieverzekering, ongevallenverzekering en aansprakelijkheidsverzekering. Daarnaast kunt u rekenen op deskundige begeleiding bij vragen, poliswijzigingen en schadeclaims. Zo heeft u altijd een vast aanspreekpunt voor al uw verzekeringszaken. Kunt u de verzekering die u zoekt niet online vinden? Neem dan gerust contact met ons op. Wij helpen u graag bij het vinden van een passende verzekeringsoplossing en voorzien u van persoonlijk advies. Wilt u online een verzekering afsluiten of een vrijblijvende offerte aanvragen? Ronald Domacassé helpt u graag verder. Disclaimer Although care is taken in writing the content of this website, it is possible that certain information is outdated or no longer correct over time. No rights can be derived from this website. The conditions of the products can be found in the general and product policy conditions that you can request.

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!

Are you an entrepreneur? Protect your business against commercial and financial risks with our business insurance solutions. Business insurance 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 Insurance 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 Insurance 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 All Risk (CAR) Insurance 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 Insurance 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 Insurance 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.

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

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.