Are you an entrepreneur? Protect your business against commercial and financial risks with our business insurance solutions. Business Insurance Protect Your Business with the Right Coverage Running a business comes with opportunities as well as risks. Damage to your business premises, liability claims, or loss of goods can have significant financial consequences for your company. The right business insurance can help manage these risks and protect the continuity of your operations. Ronald Domacassé provides professional advice and insurance brokerage services for business insurance, tailored to your business activities, insurance needs, and individual requirements. This allows you to focus on running and growing your business with greater confidence. Our Business Insurance Solutions Explore some of the most requested business insurance solutions to help protect your company, assets, and operations. Business Liability Insurance During business activities, you or your employees may unintentionally cause injury to third parties or damage to their property. The financial consequences can be significant. Business liability insurance can provide coverage for liability claims, subject to the policy terms and conditions. Commercial Property and Fire Insurance Fire and other insured events can damage your business premises, equipment, machinery, inventory, and stock. With appropriate commercial property insurance, you can protect your business assets against covered risks. Depending on the policy, business interruption coverage may also be available. Construction and Builders' Risk Insurance Building, expanding, or renovating commercial premises involves potential risks and unexpected costs. Construction insurance can provide protection against certain types of physical damage during a construction project, subject to the selected coverage and policy conditions. Commercial Motor Vehicle Insurance Are vehicles essential to your business operations? Whether you use passenger cars, commercial vehicles, or an entire fleet, appropriate motor insurance is important for your business. We advise you on available coverage options based on how your vehicles are used and the protection you require. Cargo and Transport Insurance Does your business transport goods or depend on regular deliveries? Damage to or loss of goods in transit can disrupt your operations and result in financial losses. Cargo and transport insurance can protect your goods against covered transportation risks, subject to the policy terms and conditions. Business Insurance Packages Would you like to combine several business insurance policies? We can advise you on available options to align your insurance coverage with your company's specific risks and needs. This helps you gain a clearer overview of your insurance requirements and manage your business risks more effectively. Personalized Insurance Advice for Your Business Every business is different. That is why we consider your business activities, specific risks, and insurance requirements when helping you explore suitable coverage options. Can't find the insurance you're looking for? Get in touch with us. We will be happy to discuss your needs and help you explore an appropriate insurance solution for your business. Contact us for personalized business insurance advice and brokerage services.

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.

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.

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 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. 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

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.

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 Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Car Insurance Drive with peace of mind Accidents can happen when you least expect them. With car insurance from Guardian Group, you are well protected against unexpected events on the road. Whether you choose the legally required Third-Party Liability (TPL) coverage or comprehensive insurance, you can drive with confidence. Choose the car insurance that suits you Third-Party Liability (TPL) Third-Party Liability insurance is legally required and covers damage you cause with your vehicle to other people or third-party property. TPL Plus Suitable for cars that are too old for comprehensive coverage but require more protection than TPL alone. In addition to TPL coverage, you are covered for events such as theft or attempted theft, fire and explosion. Roadside assistance is also included. TPL + Comprehensive (All Risk) The most extensive coverage. In addition to everything covered under TPL and TPL Plus, you are also insured against damage to your own vehicle, for example as a result of a collision, storm, vandalism, theft, fire or explosion. Roadside assistance is also included. Additional benefits New Value Protection For cars up to 3 years old, Guardian Group offers an attractive New Value Protection benefit. If your car is declared a total loss, you will receive the new value of your vehicle. With comprehensive insurance, you also benefit from: No deductible for covered comprehensive claims. Protection of your no-claim discount if you are hit by an uninsured driver or involved in a hit-and-run accident. Personal Accident Insurance for Occupants (PAO) An accident can cause more than just damage to your vehicle. With Personal Accident Insurance for Occupants, the driver and passengers are insured, up to the insured amount, in the event of permanent disability or death resulting from a traffic accident. Special benefits for drivers aged 50+ Are you 50 or older? You can benefit from attractive car insurance with additional advantages, including: Comprehensive coverage at a competitive premium. Faster accumulation of your no-claim discount when driving claim-free. No-claim protection when you have built up a high discount. No deductible for comprehensive claims. Roadside assistance. Motorcycle Insurance Guardian Group also provides insurance for two-wheelers and other special vehicles. We insure, among others: Motor scooters Motorcycles Trikes Quads Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .