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 .