Running a business in the Dutch Caribbean comes with opportunities, growth, and close-knit communities, but it also brings responsibilities. Whether you operate a retail store, hotel, construction firm, professional office, or service-based company, Commercial General Liability (CGL) Insurance is a fundamental layer of protection against everyday risks that can quickly escalate into costly claims. What Is Commercial General Liability Insurance? Commercial General Liability Insurance protects businesses against claims arising from bodily injury, property damage, and personal or advertising injury caused to third parties during normal business operations. These incidents can occur on your premises, at a client's location, or as a result of your business activities. In a region where businesses interact closely with clients, tourists, suppliers, and the public on a daily basis, CGL insurance is not just advisable, it is essential. Why CGL Insurance Is Especially Important In The Dutch Caribbean? The Dutch Caribbean economy relies heavily on tourism, construction, logistics, hospitality, professional services, and retail. These are industries that also face heightened exposure due to: High-foot traffic from residents and visitors Service-based operations involving third-party interaction Construction and maintenance activities Events, excursions, and commercial gatherings Contractual liability requirements from landlords, developers, or partners A single slip-and-fall, accidental property damage, or allegation of negligence can result in legal costs, compensation claims, and reputational harm, regardless of fault. What Is Commercial General Liability Insurance? A well-structured CGL policy may include protection for: Third-party bodily injury (e.g. injuries to customers, guests, or visitors) Third-party property damage caused by business operations Legal defense costs, even if claims are groundless Personal and advertising injury, including libel or slander Products and completed operations liability, where applicable Coverage can be adapted to suit the size, sector, and risk profile of each business. Why Tailored Coverage Matters? Not all liability risks are the same. A restaurant, contractor, professional consultancy, or logistics provider each faces different exposures. Standard policies may leave gaps if they are not properly tailored to local operations, contractual obligations, or industry-specific risks. At Atlas Risk Solutions, we take a consultative approach by assessing how your business operates, where exposure exist, and how your liability coverage should be structured to respond effectively when it matters most. More Than A Policy - A Risk Partnership Commercial General Liability Insurance is not just about transferring risk; it is about ensuring business continuity and confidence. When paired with strong risk management practices and professional claims support, it becomes a powerful tool in protecting your operations, reputation, and long-term growth. Why Partner With Atlas Risk Solutions? With over three decades of experience serving businesses across the Dutch Caribbean, we know the regional risks inside and out. What sets Atlas Risk Solutions apart is not only our extensive knowledge of the Dutch Caribbean market , but also our hands-on approach to risk management. We don’t just provide policies, but we also provide guidance, tailored strategies, and ongoing support to make sure you are prepared when the unexpected happens. Interested In Reviewing Your Liability Exposure? Our team is ready to help you assess your risks and design a Commercial General Liability solution that fits your business. 📧 Contact us today: business@atlasrisksolutions.com

Our Story, Captured On Film As we move closer to celebrating an important milestone this March, we wanted to pause and reflect on the journey that brought us here. We are proud to share our first corporate video created as part of our journey toward 35 years as Atlas Risk Solutions. More Than A Corporate Video This video reflects who we are today, shaped by where we come from. It tells the story of a company built on strong foundations, long-term relationships, and a clear sense of purpose. Over the years, ARS has evolved alongside a changing world, while staying true to the principles that define us. Our Roots. Our People. Throughout these years, our strength has come from our people. Their expertise, commitment, and shared values form the backbone of our organization. Together, they built a culture defined by trust, professionalism, and a dedication to deliver quality, day after day. This corporate video brings those elements together. It highlights not only what we do, but why we do it, and how our people make the difference. It reflects the balance between experience and innovation, tradition and progress. Inspired By Tomorrow. As we move toward our anniversary, this video marks both a moment of reflection and a look toward the future. It represents our continued commitment to grow responsibly, build lasting partnerships, and remain a trusted presence for years to come. We invite you to watch the video and discover the story behind our organization, where our roots lie, what we stand for, and how we continue to move forward. Rooted in Purpose. Inspired by Tomorrow. Watch our corporate video below. https://youtu.be/zpEXFBl-I1o

Providing healthcare is one of the most trusted and essential professions in society. In the Dutch Caribbean, where communities rely heavily on the expertise of doctors, nurses, and other healthcare professionals, expectations are high, and the responsibility carried by medical providers is immense. With that responsibility comes the potential for risk. Even the most skilled professionals can face claims of negligence, misdiagnosis, or errors in treatment. That is where the Medical Malpractice Insurance comes in. What Is Medical Malpractice Insurance? Medical malpractice insurance is a specialized form of professional liability coverage designed for healthcare professionals and institutions. It protects against claims alleging medical errors, omissions, or negligence that may cause injury or harm to patients. This type of insurance doesn't just protect the financial wellbeing of the practitioners, but it also safeguards their reputation and ensures patients receive fair resolution in the event of a dispute. Why It Matters In The Dutch Caribbean? Healthcare providers in the Dutch Caribbean operate in unique environments where resources can sometimes be limited, and where the relationship between practitioner and patient is built on close community ties. This makes any claim of malpractice even more sensitive. Without proper coverage, a malpractice claim can result in: Financial Loss: Legal defense costs, settlements, and potential damages can be overwhelming Reputational Damage: For healthcare professionals, trust is everything, an unresolved claim can harm years of goodwill Professional Risk: In severe cases, liability claims can threaten licensing or the ability to practice Medical malpractice insurance provides a financial and professional safety net, allowing providers to focus on delivery quality care instead. Coverage Highlights A tailored malpractice policy can include: Legal Defense Costs: Protection against attorney fees and court expenses Indemnity Coverage: Payment of settlements or damages awarded to patients Coverage for Medical Staff: Extending protection to nurses, technicians, or other support staff Consent-to-Settle Clauses: Giving healthcare providers input before settlements are made Policies can be structured to fit individual practitioners (such as general practitioners, dentists, or specialists) as well as institutions (hospitals, clinics, or group practitioners). Supporting Trust in Healthcare At ARS , we recognize that medical malpractice insurance is not simply a product, but it's an investment in the resilience of healthcare across our islands. By ensuring that providers are protected, patients can feel confident that their caregivers are supported in delivering the highest standards of care. Why Work With A Broker? Medical Malpractice insurance is highly specialized, and every healthcare provider's risk profile is unique. With 35 years of experience , Atlas Risk Solutions gives you access to: Tailored solutions that reflects your practice, specialty, and exposure Guidance on regional regulations across the Dutch Caribbean Claims support and advocacy in the event a dispute arises Contact us today to explore the right protection for you: 📧 business@atlasrisksolutions.com

This year in March 2026, Atlas Risk Solutions marks a meaningful milestone: 35 years of serving, growing, and evolving across the Dutch Caribbean. As we reflected on what truly defines us, one image continued to surface and not as a trend or a design choice, but as a symbol of who we are and how we have grown: a strong, well-rooted tree. Why A Tree? A tree does not rush its growth. It develops steadily, season by season, shaped by time, resilience, and its environment. In many ways, this mirrors our journey and how over 35 years, we have grown deliberately, guided by purpose, building a foundation that allows us to stand firm through change. Rooted In Purpose. The strength of any tree lies beneath the surface. Its roots are unseen, yet they are essential. They provide stability, nourishment, and the ability to withstand storms. For ARS , our roots represent our core purpose and values, which consists of trust, independence, care, and long-term relationships. They reflect the connections we have built with clients, colleagues, and communities throughout the Dutch Caribbean. These roots run deep and they are grounded in experience, strengthened by the sense of responsibility, and shaped by decades of listening, learning, and acting with integrity towards our clients. These roots are the reason we can offer clarity in complexity and remain a steady partner in an ever-changing world. Inspired By Tomorrow. While roots anchor a tree, it's branches reach outward towards light, growth, and possibility. A healthy tree never stops evolving as it adapts to its surroundings, creates space for new growth, and continues to reach forward and this is where "Inspired by Tomorrow" comes to life. It represents our commitment to innovation, adaptability, and forward thinking. It reflects our belief that experience and progress are not opposites, but partners. As risks evolve and industries transform, we remain focused on learning, improving, and preparing for what lies ahead for our company, our people, our partners, and the generations to come. A Living Symbol Of Who We Are. This theme is more than a celebration of our past, it is a reflection of who we are today and a statement of where we are headed. Strongly grounded, thoughtfully growing, open to change, while staying true to what matters most. Just like a tree, ARS is not built by one moment or one season, but by collective effort over time. Every contribution, every relationship, and every decision plays a role in keeping us strong, stable, and growing. As we enter our 35th year, we do so with gratitude for our roots and confidence in our future. Rooted in Purpose. Inspired by Tomorrow.

Why Choose Atlas Risk Solutions? At Atlas Risk Solutions we deliver more than insurance, we deliver clarity, confidence, and tailor-made protection. With independent advice and a boutique approach, we design risk and insurance solutions built precisely for the businesses we serve. Because your risks are unique, and your coverage should be too. 👉 Learn more at: https://www.atlasrisksolutions.com/services 📧 Contact us today to speak directly to our experts: business@atlasrisksolutions.com Stay tuned as we continue to share more of our team!

Running a business in the Dutch Caribbean comes with unique opportunities and challenges. Our islands thrive on vibrant tourism, strong trade routes, and growing communities, but with so much depending on external factors, business owners know that interruptions can happen when least expected. Whether it’s a hurricane that forces your property to close, a fire that damages critical infrastructure, or even supply chain breakdowns, the financial consequences of downtime can be just as devastating as the physical damage itself. And although not all interruptions are insurable, there are ways to mitigate your risks. That’s where Business Interruption Insurance becomes essential. At Atlas Risk Solutions, we see it as more than just a policy, it’s a safeguard for your company’s resilience, your employees’ security, and your long-term sustainability. Why Property Coverage Alone Isn't Enough Many businesses assume that if their property or assets are insured, they’re fully protected. But while property insurance helps cover physical damage, it doesn’t account for the income you lose while your operations are suspended . For example: A hotel damaged by a storm may need months of repairs. Property insurance covers the building, but what about the lost bookings, staff salaries, and ongoing expenses? A retail store that suffers fire damage may lose weeks of sales while waiting for repairs, even though their inventory is insured. A manufacturing company might not suffer physical damage themselves but could face major losses if a key supplier is unable to deliver goods. This is where Business Interruption Insurance steps in. It bridges the gap by covering loss of income and ongoing expenses during the downtime, helping you stay afloat financially until you are back in business. What Business Interruption Insurance Covers While every policy can be tailored to your industry, size, and specific needs of your business, coverage often includes: Lost Net Income – Compensation for profits you would have earned if your business was operating normally. Fixed Operating Costs – Support for expenses such as rent, utilities, or payroll that don’t stop during downtime. Temporary Relocation Costs – If you need to move your business to a temporary location, coverage helps offset the expense. Supplier & Customer Dependency – Protection if a key partner suffers damage that impacts your ability to operate. Tailored To The Dutch Caribbean Reality Living and working in the Dutch Caribbean means preparing for unique risks. From hurricanes in Sint Maarten to flooding in Curaçao or power outages that affect critical operations, disruptions are part of the business landscape. At Atlas Risk Solutions, we understand these regional challenges. Our team works closely with clients to design interruption coverage that reflects both local realities and global best practices. We have seen firsthand how the right coverage makes the difference between recovery and closure. By protecting not just physical assets but also your revenue streams and operational continuity , business interruption insurance becomes a cornerstone of resilience. Why Partner With Atlas Risk Solutions? With over three decades of experience serving businesses across the Dutch Caribbean, we know the regional risks inside and out. What sets ARS apart is not only our extensive knowledge of the Dutch Caribbean market , but also our hands-on approach to risk management. We don’t just provide policies, but we also provide guidance, tailored strategies, and ongoing support to make sure you are prepared when the unexpected happens. Is Your Business Prepared For The Unexpected? Reach out to our team today to learn how Business Interruption Insurance can safeguard your operations and protect your future. 📧 Contact us today: business@atlasrisksolutions.com

Why is Hotel & Resort Liability Insurance Important? Running a hotel or resort in the Caribbean means managing paradise but also protecting it too. At Atlas Risk Solutions, we understand the unique challenges that come with hospitality in our islands. From guest safety to property protection, our Hotel & Resort Liability Insurance is designed to give you peace of mind so you can focus on creating unforgettable guest experiences. 👉 Learn more at: https://www.atlasrisksolutions.com/hotel-resort-liability 📧 Contact us today to speak directly to our experts: business@atlasrisksolutions.com Stay tuned as we continue to share more of our team!

In today’s fast-moving business environment across the Dutch Caribbean, clients expect not just results, but they expect accountability. Even with the most careful work, professionals and firms can face unexpected claims arising from errors, oversights, or allegations of negligence. That is where Professional Liability Insurance (PLI) comes in. What is Professional Liability Insurance? PLI , protects individuals and businesses offering professional services. It covers claims related to: Mistakes in professional advice or services Omissions or failures to deliver expected outcomes Negligence claims from clients who believe they suffered financial loss Legal defense costs, settlements, or judgment awards Whether you are a consultant, engineer, architect, healthcare provider, or any professional advisor, PLI is designed to give you peace of mind and financial protection when the unexpected happens. Why It Matters? Operating in the Dutch Caribbean comes with unique opportunities and risks: Regulatory and legal environment : Different professional regulations and client expectations mean that even small mistakes can escalate. Economic exposure : Small or medium-sized firms may not have large financial reserves to absorb losses from claims. Reputation sensitivity : In tight-knit island communities, reputation is everything. A claim can affect client trust far beyond just financial cost. Cross-border work : Professionals often work across islands, with clients or projects subject to different laws, contracts, and expectations. What To Look For In a Good PLI Policy Not all policies are created equal. When selecting Professional Liability Insurance , consider: Scope of coverage: Does it cover mistakes, omissions, contractual liabilities, and defense costs? Retroactive date: Important for ongoing services; make sure incidents prior to taking the policy are covered if needed. Policy limits and deductibles: Enough to protect you in case of larger claims, but manageable in cost. Local vs. International coverage: If your work spans islands or beyond, ensure the policy applies in the relevant jurisdictions. Claims support & transparency: Your broker should help with claim handling and be a partner when issues arise. How ARS Supports You At ARS , professionalism isn’t just a slogan, it is part of who we are, our culture. As a completely independent broker, we bring: Deep regional understanding combined with global best practices Tailored risk assessments that consider your business, sector, and exposure Transparent guidance and support, especially during claims If you practice professionally in consulting, health, engineering, legal services, or similar fields, discussing your PLI coverage should be a priority, not just when you feel you might need it, but to ensure your foundation is protected. Want to Learn More? If you would like to explore Professional Liability Insurance in detail, or review your current coverage, contact us at business@atlasrisksolutions.com .

Why Choose A Boutique Firm? At ARS, being boutique isn’t about being small but it’s about being personal. Our team takes pride in providing customized, conflict-free advice that fits your business perfectly. Because when it comes to protecting what matters, one size never fits all. 👉 Stay tuned as we continue to share more of us. 📧 business@atlasrisksolutions.com 

Yachts and pleasure craft represent significant financial and operational investments. At Atlas Risk Solutions , we understand that safeguarding these assets requires more than standard marine coverage, it requires tailored, responsive, and regionally informed insurance solutions. Why Yacht & Marine Insurance Matters Operating in marine environments involves unpredictable variables - harsh weather, high repair costs, theft, collisions, or third-party liabilities. Yacht and marine insurance is not just about safeguarding the vessel itself; it's about ensuring peace of mind for owners, crew, and passengers alike. Without proper coverage, one incident could result in substantial out-of-pocket expenses, disrupted operations, or legal liability. That’s why comprehensive marine insurance is essential. Introducing The Atlas Yacht Facility Our Atlas Yacht Facility is a regionally focused program tailored to meet the needs of yacht owners and operators throughout the Dutch Caribbean. Built in partnership with leading marine insurers and underwriters, this facility delivers extensive protection backed by world-class expertise and local insight. Whether you're navigating waters between Curaçao, Aruba, and Bonaire, or managing charter activity in Sint Maarten or beyond, Atlas provides coverage that aligns with your vessel type, operations, and sailing patterns. Key Product Highlights 1. Physical Damage Coverage Protection against loss or damage to the hull, machinery, sails, and on-board equipment due to weather events, fire, collision, grounding, or theft. 2. Liability Protection Coverage for legal liability arising from injury to others or damage to third-party property caused during the operation of the vessel. 3. Crew & Passenger Coverage Options for crew medical expenses, repatriation, and employer’s liability under applicable maritime labor regulations. 4. Salvage, Towing, and Wreck Removal In the event of grounding, breakdown, or serious incidents, the costs of towing or wreck removal can be considerable. Our policies include this often-overlooked aspect of marine risk. 5. Flexible Navigational Limits Our plans are tailored to where you sail, be it regional waters or further afield. This allows you to operate within safe, covered limits without sacrificing your adventurous spirit. 6. Optional Add-Ons for Charter Operations For yacht owners operating under a commercial license, we offer coverage extensions for passenger liability, loss of income due to downtime, and charter-related risks. 7. Tenders and Personal Watercraft Extensions available to include smaller vessels and on-board equipment. Local Knowledge, Global Strength The Dutch Caribbean maritime environment brings with it both unique opportunities and specific challenges, ranging from tropical storm exposure to multi-jurisdictional regulatory oversight. Our team of marine insurance specialists operates with local knowledge and international expertise, ensuring that every policy is compliant with flag state requirements and regional best practices. We also work closely with clients to ensure that certificate issuance, survey requirements, and policy endorsements are handled with precision and efficiency, minimizing disruption to operations or scheduled charters. Claims Handling With Precision and Integrity A key advantage of insuring your vessel through the Atlas Yacht Facility is our localized, responsive claims support. In partnership with accredited marine adjusters in the Dutch Caribbean and international loss networks, we provide fast response and transparent claims handling, especially in the event of storm damage or operational incidents. Our proactive claims process includes: Immediate response and First Notice of Loss guidance Coordination with surveyors, repair facilities, and legal representatives Documentation and negotiation for timely settlement Post-incident advice to mitigate future risk Built For Yacht Owners, Backed By Global Expertise The Atlas Yacht Facility is not just about insurance, it’s about enabling confidence at sea. With access to a global network of specialist underwriters, our clients benefit from competitive terms, broad policy wording, and bespoke solutions adapted to specific vessel types, voyage routes, and usage profiles. Whether you are safeguarding a high-performance motor yacht, a classic sailing vessel, or a luxury charter operation, our facility offers: Flexible hull and liability limits Competitive deductibles and policy structures Charter-use endorsement options Seasonal lay-up coverage Global navigation limits subject to approval Let Us Help You Navigate Your Risk With a long-standing presence in the Dutch Caribbean and deep sector knowledge, Atlas Risk Solutions is your strategic partner in marine risk management. We are committed to helping yacht owners, operators, and brokers access superior insurance solutions backed by expert guidance and responsive service. To learn more about how the Atlas Yacht Facility can support your marine operations, visit our webpage or contact us at: 🌎 O ur website: https://www.atlasrisksolutions.com/yacht-facility 📧 Our email : business@atlasrisksolutions.com

Life and business in the Dutch Caribbean come with endless rewards, warm sunshine, vibrant communities, and thriving opportunities. But living and investing in paradise also means facing unique challenges, from hurricane risks to salt exposure, flooding, fires, and other unexpected perils. That’s where Property Insurance comes in. Whether it’s your family home or a commercial investment , having the right protection in place ensures your assets, income, and peace of mind remain secure - no matter what life brings. Understanding Regional Risk Exposure Because of their geography, the ABC Islands (Aruba, Bonaire, Curaçao) lie outside the main hurricane belt and may see fewer direct hits from powerful storms. Still, they are not immune - heavy winds, coastal flooding, and storm-related damage can occur even from nearby systems. Meanwhile, the SSS Islands (Sint Maarten, Saba, St. Eustatius) fall directly within the hurricane corridor, making them far more exposed to severe weather risks. However, storms are only part of the picture. Across the Dutch Caribbean, fire remains one of the leading causes of property damage. Electrical issues, kitchen accidents, and even lightning strikes can quickly escalate into devastating events. Likewise, flooding from heavy rainfall, earthquakes, or burst pipes can cause serious disruption to both homes and businesses. A tailored property insurance policy considers this wide range of risks to ensure you are fully covered. Safeguarding Your Home For many families, their home is their most valuable asset. In the Dutch Caribbean, protecting that investment is essential. Property Insurance for private homes typically covers: Structural damage to the house caused by hurricanes, fire, or flooding Contents coverage for furniture, electronics, and personal belongings Additional living expenses if your home becomes uninhabitable after a disaster With increasingly intense storm seasons and the ever-present risk of fire, securing comprehensive coverage for your home ensures not just financial stability, but also the ability to rebuild and recover quickly. Protecting Your Business Investments From luxury resorts and bustling retail spaces to office buildings and construction projects, commercial properties form the backbone of our island economies. Commercial Property Insurance addresses the unique risks faced by local businesses, including: Building & Contents Protection - safeguard structures, equipment, and inventory Business Interruption Insurance - cover income loss and expenses during downtime Construction All Risk - insure projects under construction against fire, theft, or storm damage The Dutch Caribbean has experienced firsthand the consequences of underestimating risk. For example, Hurricane Irma in 2017 caused widespread destruction in Sint Maarten, with over 90% of structures damaged. Fires, too, have led to significant losses for small businesses and large commercial operators alike. With the right property insurance, organizations can continue operating with confidence, knowing their investment are protected from both natural disasters and unexpected everyday risks. Why Property Insurance Matters For Everyone Whether you are safeguarding your family home in Aruba or your hotel investment in Curaçao, property insurance provides: Financial Resilience - ensuring recovery after disasters Peace of Mind - knowing your assets are protected Continuity - minimizing disruption to your family or business Atlas Risk Solutions: Your Local Partner In Protection With over 34 years of experience , Atlas Risk Solutions combines global standards with Caribbean-rooted expertise. We understand the specific risks of our islands and offer tailored coverage for both private homeowners and commercial investors. For homeowners : Comprehensive protection for your house, belongings, and family security. For businesses : Full-service solutions that cover property, income, and even innovative parametric options. For everyone : Guidance, claims support, and smart risk management that make insurance more than just a policy - it’s a partnership. Contact us today to explore the right property insurance for your needs. 🌎 Visit our website: https://www.atlasrisksolutions. com 📧 Email us for more information: business@atlasrisksolutions.com

In the insurance world, real value is revealed not when the policy is signed, but when a loss occurs. Whether it's property damage, business interruption, cargo loss, or a liability incident, the aftermath of a claim can be stressful and complex. At Atlas Risk Solutions , our Claims Support service goes beyond paperwork and policies. It's a promise of partnership, ensuring that when the unexpected happens, you're not alone. From the first notice of loss to final settlement , our goal is to make the claims process smooth, fair, and efficient. We act as your advocate at every step, working closely with insurers, adjusters, and other partners to help you recover quickly and confidently. Deep Local Expertise Across the Dutch Caribbean With operations across Curaçao, Aruba, Bonaire, Sint Maarten, Saba, and St. Eustatius , Atlas Risk Solutions understands the unique challenges of claims handling in the Caribbean. From post-hurricane assessments to regulatory navigation and infrastructure constraints, our knowledge of regional dynamics allows us to act swiftly and accurately in moments of crisis. We work hand-in-hand with local and international adjusters combining international best practices with on-the-ground insight. This local presence is crucial - especially during CAT (catastrophe) events when external adjusters may be delayed. Our network ensures faster site visits, quicker assessments, and timely resolutions. The Four Pilars of Exceptional Claims Support 1. Transparent Process & Consistent Communication We believe that clarity brings comfort. Clients are kept informed every step of the way - even when updates are minor. This approach builds trust, reduces frustration, and ensures you're never left wondering about the status of your claim. 2. Expert Settlement Negotiation Claims can involve technical nuances: partial payments, co-insurance splits, depreciation factors, or complex coverage layers like business interruption. Our experienced team scrutinizes every detail, challenges unfair rejections, and advocates for your full entitlement. If disputes arise, we assist with escalation to mediators, or formal dispute resolution - always on your side. 3. Post-Claim Insights & Future Risk Reduction We don’t stop once the claim is paid. We review patterns and identify gaps in your current insurance strategy, turning real-life losses into actionable improvements. This feedback loop informs your renewals, enhances your risk management plans, and ultimately helps prevent repeat losses. How Atlas Adds Value to Your Claims Experience Faster Turnaround Times By minimizing delays and working closely with regional adjusters, we help reduce wait times and get settlements processed quicker. Fairer Outcomes Our dedicated claims advocates ensure you get the full value of your policy - no shortcuts, no oversights. Simplified Experience We coordinate communications across all parties, so you don’t have to chase updates or juggle providers. Strategic Intelligence Every claim handled feeds into a better understanding of your risks - guiding smarter insurance decisions going forward. Why Atlas Claims Support Stands Out At Atlas Risk Solutions , claims handling isn’t a back-office task, it’s a frontline priority. Our strength lies in our ability to blend local presence with global expertise , using experienced personnel, and a human approach that always puts your needs first. We are locally embedded and globally connected. We believe in clarity, responsiveness, and empathy, a nd most importantly, we advocate for you , not just your policy Ready to Turn Claims Stress Into Confidence? When a claim arises, you deserve more than a process, you deserve a team that has your back. Contact us today to discover how we help businesses across the Dutch Caribbean face the unexpected with certainty and peace of mind.  🌎 Visit our website: https://www.atlasrisksolutions.com/claims-support 📧 Contact us today: business@atlasrisksolutions.com

In the dynamic world of global and regional trade, the movement of cargo is the lifeline of businesses - connecting supply chains, serving customers, and delivering value across borders. But with every shipment comes risk. Whether by land, sea, or air, goods in transit are vulnerable to damage, loss, theft, and delay. Cargo Insurance isn't just a box to check, it's essential protection. What Is Cargo Insurance and Why Is It Important? Cargo insurance provides financial protection for goods while they are being transported from one location to another. If your shipment is damaged or lost during transit due to covered perils, the insurance helps cover the costs, minimizing your business exposure. Without it, companies risk absorbing large, unexpected losses that can disrupt operations or severely impact the bottom line, especially if the cargo is high-value or time-sensitive. Even though carriers may be legally liable for damages, their liability is often limited and doesn't cover all types of loss. That's why securing your own cargo insurance is crucial to fill the gap between carrier liability and the true value of your goods. Common Risks Faced During Transit Whether you're shipping within the Caribbean or globally, cargo in transit is exposed to a range of real-world threats, such as: Rough handling or loading damage Accidents at sea or on land Fire, flood, or other natural disasters Theft or piracy Delays that lead to spoilage or loss in value Customs issues or misrouting With increasing global disruptions and rising freight volumes, cargo losses have grown in frequency and severity - making insurance more critical than ever. Types Of Cargo Insurance Coverages There isn’t a one-size-fits-all solution when it comes to cargo insurance. Depending on the nature of your business and shipment, coverage can be tailored. The main types include: 1. All-Risk Coverage This is the most comprehensive form and covers most external causes of loss or damage, subject to standard exclusions. It’s ideal for high-value or fragile goods. 2. Named Perils (or Specific Risk) Coverage Covers only the risks specifically listed in the policy, such as fire, collision, or overturning. It may be suited for less sensitive cargo or when cost is a concern. 3. Warehouse-to-Warehouse Coverage Protects cargo from the point of origin (e.g., the seller’s warehouse) to the final destination (e.g., the buyer’s warehouse), including any interim storage. 4. Open Cargo Policy This is a long-term solution for businesses that ship regularly. It covers all shipments over a defined period, eliminating the need to insure each shipment individually. The Significant Benefits Of Switching From CIF to CF It’s crucial importers and businesses in the Dutch Caribbean, to understand the significant benefits of switching from CIF (Cost, Insurance & Freight) to CF (Cost & Freight) terms when arranging international shipments. When purchasing goods under CIF , the seller is responsible for insuring the cargo, often with a policy from a provider in their own country. This can lead to higher premiums , limited local control , and gaps in coverage . Additionally, claims processes under CIF can be more complex, less transparent, and slower, as they’re handled from abroad. By opting for CF , the buyer assumes control of the insurance coverage locally and ideally through a trusted local broker like ARS. This shift allows the importer to: Secure better coverage tailored to local risks and needs Negotiate more favorable premium rates Gain direct control over claims handling and faster resolutions Consolidate cargo under one policy for volume-based discounts Create a new revenue stream by capturing insurance premiums locally Ultimately, substituting CIF for CF empowers businesses to reduce costs, enhance operational efficiency, and strengthen financial resilience. It's not just a technical adjustment, it's a strategic move that gives companies more control over their risk management. The Atlas Cargo Facility At Atlas Risk Solutions , we’ve designed a streamlined, fully digital Cargo Facility for importers, forwarders, and shipping agents in the Dutch Caribbean and beyond. Through this platform, users can quickly request and bind cargo insurance online, 24/7. This system provides: Real-time quotes and policy generation Custom-tailored coverage for each shipment Instant documentation and proof of insurance Easy access for freight forwarders and end clients Multilingual support from our experienced team Our facility eliminates the bottlenecks of traditional insurance and ensures your cargo is covered — no matter when or where it’s moving. What To Look For In A Cargo Insurance Provider When choosing a cargo insurance provider, it’s not just about price, it’s about partnership, service, and claims expertise . You want a broker who: Understands international and regional trade flows Provides quick claims handling and clear guidance Has direct access to reputable global underwriters Offers personalized advice and tailored coverage Can help identify and manage risks before they escalate Atlas Risk Solutions works closely with both clients and logistics partners to ensure your cargo arrives safely and securely - and when something unexpected happens, we are right there to assist.  Want to learn more about how our digital Cargo Facility can maximize your savings? 🌎 Visit our website: www.atlasrisksolutions.com/cargo-facility 📧 Contact us today: business@atlasrisksolutions.com

When people hear the word "risk", they often associate it with danger, uncertainty, or loss, but in reality, risk is an unavoidable part of our daily lives. From choosing what route to take to work, to making major decisions about our homes or businesses, we are constantly weighing risks, whether we realize it or not. At Atlas Risk Solutions , we specialize in helping organizations and individuals navigate complex risks environments. But today, we want to take a step back from the corporate or insurance world and look at risk from a broader perspective. Understanding everyday risk is not just about avoiding worst-case scenarios but it's about making informed, thoughtful decisions that protect and empower us. What Is Everyday Risk? Risk is simply the possibility that something might not go as planned. You engage with risk when you decide to skip your umbrella on a cloudy day, click a link in an unfamiliar email, or lend your car to a friend. These situations may seem minor, but they all involve outcomes that are uncertain, and that uncertainty is the foundation of risk. We tend to think about risk only when something goes wrong, but the truth is, risk is neutral. It's neither good nor bad, but it's a part of life. Knowing how to identify and manage it can make all the difference. Why Awareness Matters More Than Avoidance Avoiding risk altogether isn't realistic, nor is it always wise. Growth innovation, and progress all require a certain level of risk-taking. What matters most is how aware we are of the risks we face and how we choose to respond. Being risk-aware means asking the right questions: What could go wrong in this situation? How likely is it? What can I do to prevent or prepare for it? What would the consequences be if it happened? By practicing this kind of thinking in everyday situations, we strengthen our decision-making muscles. Whether you're buying a new home, planning a trip, or managing your finances, becoming more aware of potential risks allows you to make confident and informed choices. The Psychology Of Risk Perception Interestingly, people don't always assess risk based on facts, but they assess it based on feelings . For example, flying in an airplane may feel riskier than driving a car, even though statistically it's much safer. The more control we think we have over a situation, the less risky it seems. Understanding this human bias helps explain why some people fear rare but dramatic events, and underestimate risks that are more probable but less visible (like identity theft or data breaches). This is why awareness and education play such an important role in developing a healthy, balanced view of risk. Everyday Examples Of Risk Awareness In Action Using two-factor authentication on your accounts: a small step to protect against a big digital risk. Installing smoke detectors: a simple action that saves lives in the event of a fire. Reading the fine print before signing a contract: a habit that can prevent legal or financial trouble later. Researching travel advisories before booking a trip: proactive risk management for personal safety. These actions aren't complicated, but they require awareness and intent. Why It Matters Now More Than Ever In today's fast-moving and interconnected world, the risks we face are evolving, especially in areas like cybercrime, climate, and global health. At the same time, the tools and knowledge available to us have never been greater. Whether you're an individual managing a household or a company navigating operational complexity, risk awareness is no longer optional, it's essential. It empowers us to take ownership of our decisions, safeguard what matters most, and respond to challenges with clarity and confidence . At Atlas Risk Solutions , we believe that when people understand risk, they are in a better position to manage it. While we are here to support our clients with customized insurance and risk management strategies, our mission goes beyond policies. It's about empowering smarter decisions, one risk-aware moment at a time. 📧 Contact us today if you want to discuss your risk management: business@atlasrisksolutions.com

Every year from June 1 to November 30 , the Caribbean enters hurricane season, a period where tropical storms and hurricanes can develop in the Atlantic and affect our region. While many associate hurricanes with heavy winds and rain, the reality is that these storms can cause severe property damage, disrupt lives and businesses, and result in costly losses if you are not adequately prepared. As your trusted insurance broker and risk advisor, Atlas Risk Solutions is here to help you understand the risks and make informed decisions to safeguard your assets and ensure business continuity during this time. Understanding The Risk In The Dutch Caribbean The impact of hurricanes in the Dutch Caribbean varies by island: The ABC islands (Aruba, Bonaire, and Curaçao) are geographically located outside the traditional hurricane belt. While they are less frequently hit, they can still experience heavy rainfall, strong winds, and rough seas from nearby storms. The SSS islands (Sint Maarten, Saba, and St. Eustatius), located in the northeastern Caribbean, lie within the active hurricane corridor and are at greater risk for direct impacts, such as storm surges, flooding, and infrastructure damage. Although hurricanes can occur outside the official season, the most active period is historically mid-August through September, when ocean temperatures peak, providing the perfect environment for storms to strengthen. 2025 Forecast According to the Meteorological Service of Curaçao, the 2025 Atlantic hurricane season is forecast to be more active than normal. A total of 19 tropical weather systems are expected to develop in the region with 9 of them potentially strengthening into hurricanes. Of those, 4 could become major hurricanes posing a significant risk to the Caribbean. Why Hurricane Preparedness Matters Even if your island is not directly in the hurricane belt, the ripple effects of a nearby storm, such as heavy rainfall, flooding, wind damage, and prolonged power outages, can disrupt lives and businesses. Early preparation can greatly reduce risks and improve resilience. Preparation Tips For This Season Make an Emergency Kit Flashlights and batteries Battery powered radio First Aid Kit supplies Sufficient supply of prescription medication Bottled water (at least 3 liters per person per day) Non-perishable or canned food (and can opener) Personal hygiene items Important documents (passports, insurance papers, etc.) Cash on hand Baby and elderly supplies Pet food and supplies Prepare your Property Identify if you live in a flood-prone area Trim overhanging trees Remove loose objects from yards and rooftops Install storm shutters or board up windows Check and clear gutters and drains Secure or remove outdoor furniture Knowledge Is Your First Line Of Defense Whether you are a homeowner, a business owner, or managing large commercial property, now is the time to review your insurance policies, reassess your risk exposure, and confirm whether your current coverage aligns with today's needs. Consider: Do you have adequate property and contents coverage? Are you protected for business interruption? Do you understand the claims process and what documentation is needed? If you are unsure, our team at Atlas Risk Solutions is ready to support you with policy reviews and risk assessment to give you peace of mind. Stay Connected To Official Sources Monitoring accurate and timely updates is critical during hurricane season. Below are the official local government website for emergency alerts and guidance in the Dutch Caribbean. Aruba: www.meteo.aw Curaçao: www.meteo.cw Sint Maarten: www.meteosxm.com Bonaire, Saba & St. Eustatius: www.knmidc.org Also international organizations like NHC and others that also issue regional updates that could be relevant to our region. National Hurricane Center: www.nhc.noaa.gov We encourage to regularly visit these sites and follow their official channels for real-time alerts and emergency instructions. Our Commitment During This Season Hurricane season isn't something to take lightly, and preparation starts long before the clouds roll in. If you haven't reviewed your insurance recently or need expert guidance, now is the time. 📧 Contact us today: business@atlasrisksolutions.com

Whether you are planning a long-awaited vacation, a spontaneous weekend getaway, or a critical business trip, there is one essential travel item that should not be left off your checklist: T ravel Insurance . While no one expects the unexpected, the reality is that flight delays, cancellations, medical emergencies, or lost luggage can disrupt even the best-laid plans. At Atlas Risk Solutions , we believe that travel insurance isn't just a safety net, it is your passport to peace of mind . Why Do You Need Travel Insurance? The world of travel is full of excitement, but also unpredictability. You might fall ill abroad, miss a connecting flight due to unforeseen delays, or find your baggage has gone missing in transit. Without coverage, these incidents can turn into costly problems. Travel insurance helps cover: Emergency Medical Expenses; including hospital stays and medical evacuation Trip Cancellations or interruptions; due to unforeseen circumstances Lost, Stolen, or Delayed Baggage Travel Delays; and missed connections 24/7 Worldwide Assistance; when you need help the most In short, travel insurance ensures that you are not alone when something goes wrong, and that you can focus on the journey, not the risks. What Makes Our Travel Insurance Different? We have made it easier than ever to protect your travels. Through our completely online application platform , you can get your travel insurance in just a few clicks. No appointments. No paperwork. Just quick, reliable protection for wherever your journey takes you. Fast, simple, and secure. No long forms or complicated processes Instant coverage confirmation Higher medical cover limits Flexible options for different travel needs and destinations Trusted partnerships with leading global insurers 24/7 access to emergency services Whether you are traveling for business or leisure, our plans are tailored to suit your schedule, your budget, your lifestyle. Ready To Travel Smarter? Don't wait until something goes wrong, secure your travel plans today. 📲 Apply now for your travel insurance at: https://www.atlasrisksolutions.com/open-travel-application 👉 Or Contact us today if you have any questions or need assistance with our Atlas Travel Facility .  📧 business@atlasrisksolutions.com

 In today's fact-paced digital world, every business, regardless of size or industry, is vulnerable to cyber threats. From ransomware and phishing to accidental data leaks, the digital risks facing organizations are growing more frequent, complex, and costly. For commercial organizations in the Dutch Caribbean and beyond, the consequences of a cyberattack can be severe, financially, operationally, and reputationally. Whether you run a mid-sized enterprise or a large regional operation, protecting your business from cyber risks is not just about safeguarding data - it’s about preserving your reputation, client trust, and operational continuity. That is why our Cyber Security Solution is designed to help your business not only respond to incidents but proactively prepare for and minimize the risks that could bring operations to a halt. At Atlas Risk Solutions, we understand that cyber protection is a business-critical need. That’s why we’ve developed the Cyber Facility Program - a comprehensive solution designed to minimize your business’s cyber risk and reduce the consequences of data breaches . Why Cyber Protection Matters More Than Ever Cyber incidents can bring operations to a halt, lead to regulatory penalties, erode client confidence, and result in significant financial losses. Yet many businesses in the Dutch Caribbean remain underprotected or unaware of how vulnerable they are. The reality is that cyber threats don’t just affect large global corporations. They affect businesses of all sizes and across all sectors, from hospitality and logistics to financial services and healthcare. Having a proactive cyber risk management strategy can make all the difference when it matters most. As businesses increasingly rely on digital tools and cloud-based systems, the entry points for cybercriminals multiply. A single attack can lead to: Data breaches and legal liabilities Disruption of services Loss of customer trust Regulatory fines Costly recovery processes In regions like Curaçao, Aruba, Bonaire, Sint Maarten, Statia, and Saba, many businesses operate in tight-knit communities, where reputational impact travels fast and can linger. What We Can Offer Through the Atlas Cyber Facility , with the expertise of our team and our resource partners, we help identify and connect with the cyber technical specialists to provide your organization with tailored solutions. We work independently to ensure you receive objective advice, customized solutions, and eventually the coverage to ensure your business is protected before, during, and after a cyber event. This includes: Network Security and Privacy Liability Data Breach Response Costs Business Interruption Losses Cyber Extortion (Ransomware) Multimedia Liability and Reputational Harm Regulatory Fines and Defense Tailored limits and flexible options Who Is This Cyber Facility For? If your business collects, stores, transmits, or processes any type of client or proprietary data, then cyber insurance is not a luxury, it's a necessity . Our Cyber Facility is intended specifically for commercial businesses in the Dutch Caribbean. The Atlas Risk Solutions Way At Atlas Risk Solutions , we do more than offer policies, we work alongside you to identify vulnerabilities, mitigate exposure, and respond rapidly if an incident occurs. As a trusted insurance broker with deep regional expertise and global reach, we ensure our clients receive unbiased advice, proactive risk assessments, and access to leading cyber insurance carriers. Ready To Strengthen Your Digital Defense? Let's talk about how our Cyber Protection Program can support your business goals and give you peace of mind. 👉 Contact us today to learn more about Atlas Cyber Facility or schedule a cyber risk consultation. 📧 business@atlasrisksolutions.com

Why Excursionbloc Is The Liability Protection Tour Operators Require The thrill of adventure and the beauty of discovery are at the heart of every excursion and tour experience . Whether it is a sailing trip through our turquoise waters, a hiking tour to a hidden lookout, or an immersive cultural experience through our streets, these unforgettable moments are built on careful planning, passionate service, and trust. But in the world of tourism, no matter how well prepared you are, the unexpected can still happen. That is why protecting your tour operation with the right insurance coverage is not just smart business, it is essential for your long-term success . At Atlas Risk Solutions , we know the value of peace of mind. Excursionbloc is designed to protect your business from the specific risks you face in delivering memorable guest experiences. What Is Excursionbloc? Excursionbloc is a specialized liability insurance program developed by industry experts who understand the risks unique to tour and excursion providers. Whether you operate catamaran cruises, island tours, or scuba diving excursions. Excursionbloc offers you tailored protection, backed by the knowledge and strength of licensed and experienced insurance partners. Why Tour Operators Need Specialized Coverage Tourism is thriving across the Caribbean, and guest expectations are high. But no matter how well an excursion is planned, accidents or unforeseen events can occur. And we actually see this occur often. A single incident, from property damage to bodily injury, can quickly spiral into legal claims or reputational risk. Without the right liability coverage in place, businesses risk substantial financial loss. Excursionbloc helps mitigate these risks by offering: 1. Third-Party Liability Protection Even with the best safety measures in place, accidents can happen. A customer might slip, fall, or get injured during an activity, potentially leading to a lawsuit. Liability coverage ensures that you’re protected from legal claims resulting from bodily injury or property damage. 2. Employee and Equipment Coverage Your team is the face of your business. Protecting your guides, staff, and the equipment they rely on is critical. Excursionbloc can include coverage for employee injuries, damage to rented or owned equipment, and more. 3. Protection for Legal Defense and Settlements It provides financial coverage for legal defense costs and settlement payments in the event your business faces claims related to injury, property damage, or other liabilities during an excursion or tour. 4. Tailored Limits and Options to Suit Your Operation's Size and Scope Coverage can be customized with specific limits and features that align with the unique size, type, and risk level of your excursion or tour operations. 5. Peace of Mind for You and Your Guests Today’s travelers are more risk-aware than ever. Knowing your business is insured provides guests with greater peace of mind, and shows that you take your responsibility seriously. Tailored Solutions for the Caribbean Experience Operating in the Dutch Caribbean requires local knowledge and tailored solutions. Developed with the realities of the Dutch Caribbean market in mind, Excursionbloc isn’t just another off-the-shelf insurance policy. It’s a solution crafted to meet the needs of businesses operating across islands, from Aruba to Sint Maarten and everywhere in between. Working with reputable, licensed insurers and supported by Atlas Risk Solutions with its years of experience in this industry , Excursionbloc ensures local expertise, global backing, and a partner that understands your business model inside and out. With Excursionbloc, you get more than a policy. You get the confidence of knowing your team, your guests, and your brand are protected by a program built for your industry. Ready to Protect Your Business? Adventure should be exciting, not risky. In today's world, smart operators know that insurance isn't just a requirement, it's a strategic asset. Let us help you secure your adventure business today. 👉 Contact us today to learn more about our Excursionbloc and how we can tailor it to your operation. 📧 business@atlasrisksolutions.com

Protecting Leadership, Safeguarding Success Running a business comes with significant responsibilities, especially for directors and officers who make critical decisions every day. While their leadership drives the company forward, it also exposes them to potential risks, including legal claims that could impact their personal assets. Directors and Officers (D&O) Liability Insurance is designed to protect these key decision-makers , ensuring that they can lead with confidence and security. What Is D&O Insurance ? D&O Liability Insurance offers crucial financial protection not only for a company’s directors, officers, and senior executives in the event they are personally sued for alleged wrongful acts in the course of managing the company (legal costs, settlements, etc.), but also for the company itself when it is named in such claims. Who Does D&O Insurance Protect? Directors & Officers – Individuals in leadership roles who make high-level business decisions. Company Executives – Those involved in governance, compliance, and corporate strategy. The Business Itself – Many policies also extend protection to the organization when it indemnifies its executives or faces claims directly. Why Is D&O Insurance Essential? Protection Against Legal Claims Businesses operate in a highly regulated environment, and executives can face lawsuits from employees, shareholders, regulators, and even customers. Claims may arise from allegations of mismanagement, breach of fiduciary duty, regulatory violations, or employment-related issues. Attracting & Retaining Top Talent Skilled leaders are more likely to join and stay with companies that offer protection against personal liability. D&O insurance provides peace of mind, making leadership roles more appealing. Safeguarding Personal Assets Without D&O insurance, executives may have to cover legal expenses and settlements out of their own pockets. This policy ensures that their personal wealth remains protected. Investor & Stakeholder Confidence Investors, board members, and financial backers expect businesses to have strong risk management practices, including D&O coverage. It reassures them that leadership can operate effectively without the fear of personal liability. Crisis & Reputation Management Even unfounded claims can be costly and time-consuming. D&O insurance helps manage legal and public relations expenses, ensuring the company and its leaders maintain their reputation and credibility. Final Thoughts No matter the size or industry, every business with a leadership team should consider D&O Insurance as an essential part of their risk management strategy . It not only protects the individuals who shape the company’s future but also strengthens the organization as a whole. In today’s litigious business landscape, having the right coverage is not just a precaution; it’s a necessity . Are you ready to protect your leadership team? Contact us today to explore tailored D&O Insurance solutions that fit your business needs. 📩 business@atlasrisksolutions.com