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. 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.

Calculate and purchase (Curacao, Bonaire, Aruba, St. Maarten) insurance online in 3 minutes. Fast, easy, practical and secure ... Buy Your Insurance Online Would you like to arrange your insurance online yourself? It’s quick and easy. Select your preferred location below and click the relevant button to purchase your insurance online in Aruba, Bonaire, Curaçao or St. Maarten. You can arrange your insurance online in just a few clicks, whenever it is convenient for you. Please note: Not all insurance products are available online. If you cannot find the insurance you are looking for, please feel free to contact us for personal advice. ARUBA BONAIRE CURACAO ST. MAARTEN The Right Insurance for Your Situation When choosing insurance, you have different options. It is important to first determine which risks you want to insure and which coverage best suits your personal situation. Not sure which insurance or coverage is right for you? We are happy to provide you with personal advice. Personal Advice Ronald Domacasse is your Guardian Group Expert and is happy to assist you. As your personal advisor, he can help you make the right choices and arrange insurance that suits your situation. If your circumstances change, you can contact him to review or adjust your insurance. He can also assist you with filing a claim. Accessible and Reliable Do you have questions or need personal advice? Your Guardian Group Expert is easily accessible and ready to assist you whenever you need help. You can schedule an appointment by phone or online for personal advice. Prefer to arrange your insurance yourself? Where available, you can also purchase your insurance online. Quick, easy and reliable – with personal advice whenever you need it.

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

Found your dream home in Curaçao, Bonaire, Aruba, or St. Maarten? Get expert mortgage solutions—fast, reliable, and hassle-free. Mortgage Advice for Curacao, Aruba and St. Maarten Are you looking for expert mortgage advice for Curacao, Aruba or St. Maarten? Ronald Domacassé, an experienced mortgage advisor, offers professional guidance in finding the best mortgage option tailored to your unique situation. At Guardian Group, you’ll receive mortgage solutions customized to your needs and lifestyle. Keep reading to learn more about the mortgages we offer, including the annuity mortgage and life mortgage. Why Choose a Mortgage with Guardian Group? At Guardian Group, your personal situation and preferences are our priority. When creating a mortgage proposal, we ensure that your solution fits your needs, allowing you to meet your obligations while maintaining your desired lifestyle. We offer the following benefits: Financing up to 100% of the purchase price Limitations on loan repayment: Maximum of 33% of your gross income Maximum loan term: 35 years Interest rates from 5.00% for Curacao and St. Maarten, and from 5.25% for Aruba Want to know which mortgage is best for you? Contact Ronald Domacassé for personalized advice tailored to your situation in Curacao or Aruba. Which Mortgage is Right for Me? With an annuity mortgage, you pay a fixed monthly amount, which consists of both interest and principal repayment. Over the term of the mortgage, the interest portion decreases while the principal repayment increases. This means that you’ll have fully repaid your mortgage by the end of the loan term. Benefits of the Annuity Mortgage: Monthly payments remain fixed during the interest rate period. You have the certainty of fully repaying the loan by the end of the term. You will pay less interest over time and pay down more of the principal. Life Mortgage: Who is it Suitable For? The life mortgage is particularly appealing to individuals or families with higher incomes. Instead of repaying the loan principal over the term of the mortgage, you only pay interest. This allows you to maintain maximum tax deductions for the entire term. Benefits of the Life Mortgage: Monthly payments remain fixed during the interest rate period. You retain maximum tax deductions throughout the term. The full mortgage balance is paid off at the end of the term using a life insurance policy. This mortgage type is ideal for high-income earners who want to make the most of tax advantages. Ronald Domacassé can help determine if the life mortgage is the right fit for you. Mortgage Advice for Curacao, Aruba and St. Maarten by Ronald Domacassé As a mortgage advisor for Curacao, Aruba, or St. Maarten, I understand the local market conditions and can help guide you through the mortgage process. Whether you’re purchasing your first home or restructuring your existing mortgage, I’m here to assist. With years of experience in the Caribbean region, I provide advice that is specifically tailored to the needs of homeowners and prospective buyers in Curacao and Aruba. My personal approach ensures that you get a mortgage that is financially viable and in line with your lifestyle. Contact Ronald Domacassé for Personalized Mortgage Advice Do you have questions about which mortgage is right for you, or want to learn more about the options available in Curacao, Aruba or St. Maarten? Contact me today for a free, personalized consultation. If you're looking for a mortgage that suits your financial situation and future plans, I am the right person to guide 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. 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 .

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.

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. Your home, so much more than just a place to live Your home is more than just a property. It is where you live, create memories, and keep your valuable belongings. With Guardian Group Fatum Home Insurance, you can protect your home against various types of damage. Based on your personal situation and needs, you can work with us to put together an insurance package that suits you. Home The Guardian Group Home Insurance provides comprehensive coverage for your home. Among other things, the following damage and expenses are covered: Damage caused by fire and related firefighting activities Material damage caused by rain or flooding Damage to water pipes and the costs of locating the defect Damage caused by power surges, induction, and lightning strikes Costs of replacing locks when necessary following a burglary or attempted burglary Emergency prevention costs above the insured amount. These are costs incurred during or after a covered event to prevent further damage Personal accident and life coverage Complimentary personal liability insurance Please note: Your household contents are not automatically covered under the home insurance policy. For this, you can take out a separate contents insurance policy. 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 . Your belongings With Guardian Group Contents Insurance, you can protect your belongings in and around your home against the financial consequences of theft and various types of damage. The insurance provides coverage for, among other things: Fire and related firefighting activities Water loss resulting from damage to the water supply system Theft Emergency prevention costs. These are costs incurred during or after a covered event to prevent further damage 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 .

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.