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