- Crooij and Flipse insurance -

Makes Sure Things Run Smoothly

We are a Bonaire-based independent insurance advisor who will help you find the best possible solutions.

Commercial building

Custom made commercial building insurance

Your company building is a figurative business card for your company and the place where your products or services are realized. That’s why it’s so important to insure your company building with good commercial building insurance.

Commercial building insurance covers, amongst other things, damage caused by storms, fires, or lightning strikes. You can expand the standard coverage of this policy to cover break-ins, vandalism, and water damage.
You will ensure the continuity of your business with commercial building insurance. We are more than happy to help you put together suitable building insurance for a fair premium. We will request quotes from different insurers and will clearly lay out the premiums and conditions for you. Contact us for an appointment.

Advantages of commercial building insurance

  • Covers damage caused to your company building caused by fires, storms, lightning strikes, etc.
  • Can be extended to cover damage caused by vandalism and break-ins, amongst other things
  • We will negotiate the best premium for you

You are going to build or renovate a house

Building or renovating your own home is an exciting project. However, things can go wrong. This could be a human error or, for example, a storm that damages the home being built. Even theft of building materials is covered. Did you know that home insurance often does not cover damage caused during building or renovating? You will need building insurance for this. It will cover damage caused to your house as well as damage that work on your house causes others. Even during the maintenance period.

Liability can also be covered by building insurance

Damage caused to others by construction work? You’ll be insured. Please note: this only covers damage caused by you during building or renovation or during the maintenance period.
The premium of the building insurance depends on a few factors, including:

  • The construction period
  • The (estimated) final value of the building

The terms and conditions or building insurance can be very varied amongst different insurers. It is very important to get good advice. We would be glad to help you with this.

Inventory

Security with inventory and goods insurance

Inventory and goods insurance will protect you against the consequences of damage caused by fires, break-ins, explosions and lightning strikes, floods

Imagine that your supply of goods is stolen during a break-in, resulting in having to repurchase the entire supply. Or that a fire destroys your entire supply and inventory (such as cash registers or office furniture): these are the kinds of costs that can endanger the future of a business when they are not properly insured.
You choose your coverage yourself. We will request estimates from the various insurers so that you can choose between the various insurers, conditions, and premiums. We will make sure that you get the best possible premium prices.
It is likely that the damage will also mean that you can’t do (all of) your work, which will cause loss of profits. This is also covered by this business content insurance.

Rights & Duties

Professional liability insurance for advisory jobs

Do you work in an advisory position? Then an error made by you or one of your employees can have far-reaching consequences. With professional liability insurance, you will be sure that you are insured against asset claims as a result of, for example, bad advice.

Professional liability insurance is meant for anyone who fulfils an important advisory role in their work, including lawyers, notary publics, company advisors, or doctors. Both asset damage and possible defence costs are covered by professional liability insurance.

Professional liability is NOT the same as company liability.

Many entrepreneurs think that company liability insurance (AVB) covers all possible liabilities. This is a big misunderstanding: an AVB does not cover professional liability! Big damage often falls under professional liability.

Advantages of professional liability insurance

  • Coverage of professional liability to do with asset damage as a result of bad advice
  • Juridical costs and possible defence costs are also covered
  • Good premiums and outstanding conditions

Director’s liability insurance protects private assets

Are you the director, trustee, or supervisor of a company? 

 

Even an unintentional mistake or illegal or irresponsible behaviour of your fellow directors can result in you being held accountable. In these cases, your private assets can also be requisitioned. Director’s liability insurance will insure you against this risk as well as any juridical costs incurred in such a situation.

Are you at risk of being held accountable as a director?

We can only answer this question once we’ve spoken to you. If the answer is ‘yes’, then we can help you choose a great director’s liability insurance. Then you can be sure that, even if you are held accountable for a mistake, your private assets are safe.
You are welcome to call us for a free meeting.

Advantages of director’s liability insurance

  • Coverage of accountability directors, trustees, and supervisor
  • Juridical costs and possible defence costs are also covered
  • Good premiums and outstanding conditions

Company damage

Company damage insurance covers fixed costs and loss of profits

It’s already extremely unpleasant when your business is affected by unforeseeable acts of God. But your building and inventory/goods insurance doesn’t cover damage caused when your company’s operations grind to a halt. If you want to cover that risk, take out a company damage insurance policy.

Company damage insurance covers the largest part of your fixed, continuous costs and offers reimbursement for loss of profits. The costs that you incur maintaining and restarting your company activities are covered by this insurance.

Prevent worse with company damage insurance

Company damage insurance protects the continuity of your company in case of fire or other disasters. We will gladly help you make a risk analysis, so that you can conscientiously make your own decision.

Advantages of company damage insurance

  • Covers fixed company costs and the costs for the maintenance and restarting of company activities
  • Profit loss is also covered
  • Good premiums and outstanding conditions

Get back to business quickly after a disaster with extra costs insurance

If you, for example, have to restart your company activities at a different location after a fire, that will incur many extra costs. Extra costs insurance will reimburse the extra costs of your temporary company building and any appliances or devices you will need to rent. This means you can start up again quickly.

Extra costs insurance is primarily meant for businesses that only need a modest investment to restore their workplace; for example, if you don’t need your own company building to continue making profit. Extra costs insurance or a different solution?

Extra costs insurance does not cover loss of profits.

If damage will affect your profits, then company damage insurance is most likely more suited to your situation. Are you uncertain about which policy is the best fit? Ask us, we are happy to advise you.

Advantages of extra costs insurance

  • Coverage of temporary costs necessary for resuming your work
  • Suitable for businesses that do not need a company building for their activities
  • Good premiums and outstanding conditions

Transit & Transport

Goods transport insurance for every load

If you are regularly transporting large amounts of goods, there is a big chance that you will have to deal with damage eventually. This is not only a problem for you as a transporter or supplier, but also for whoever ordered the goods. With goods transport insurance, you will be protected against this damage.

Goods transport insurance will be paid out when damage is caused during the transport of goods, whether it is damage or loss. Even if the driver is responsible for the damage, the insurance will be paid out. This allows you to keep your quality high and your customers satisfied, even if something goes wrong.

Goods transport insurance for shippers

Do you have a shipping company and is transporting goods your most important business? Make an appointment for a personalized estimate of your goods transport insurance. We will happily help you find the best policy for the lowest price.

Advantages of goods transport insurance

  • Compensation for damage or loss of goods during transport
  • Insurance is paid out even in cases of own liability
  • Good premiums and outstanding conditions

For entrepreneurs

Work disability insurance for entrepreneurs.

The consequences of work disability are huge, especially for entrepreneurs. If you become unable to work as an entrepreneur or freelancer, the government still operates under the assumption that you have managed your own affairs. We offer work disability insurance for entrepreneurs for this specific reason.

Did you know that one in ten entrepreneurs faces work disability every year? If it happens to you, it’s better to not have to worry about your income. If you have to fully or partially stop working due to disability, your income (or part of it) will dry up. Work disability insurance will pay out a certain amount each month so that you can keep on living without financial concerns.

Managing your own work disability as an entrepreneur

Because you cannot rely on social insurances, it’s important to be well-informed about your own risks and the consequences of possible work disability as an entrepreneur. We will gladly help you make your decisions. Feel free to contact us for an advisory conversation.

Characteristics of work disability insurance for entrepreneurs

  • Security of income for entrepreneurs
  • Monthly payouts in cases of full or partial work disability
  • You can choose the amount and duration of your payouts
  • You can choose between different kinds of coverage
  • Good premiums because we find the best offers for you

Worry-free travel with business travel insurance

Do you or your employees ever go on business trips? Don’t forget to request business trip insurance. Many people do not realize that private travel insurance does not cover you if something happens during a business trip! Moreover, business trips often have higher financial importance and therefore a larger financial risk. With business travel insurance, you will be protected against this. Even if you or your employee suddenly have to come home and someone else has to take your place.

Custom business travel insurance

You can make your business travel insurance as simple or as extensive as you want. For example, you can choose to have your medical costs covered. Or you can choose to have multiple people covered under one policy. Do you want to know what the best option is? Make a free appointment with us.

Advantages of business travel insurance

  • Extensive coverage of costs resulting from damage during business trips
  • Coverage can be extended when desired with, for example, cancellation insurance
  • Good premiums and outstanding conditions

Pension for freelancers

Of course, as a freelancer you are primarily focused on your business and not on what comes after your 65th birthday. It’s still responsible to start thinking about it now…!

Pension build-up is not an unnecessary luxury for many businesspeople. Many companies take a long time to sell, and far from every client portfolio will fetch market price. In Bonaire it is no longer advantageous to save through pension insurance due to the abolition of profits tax. By starting to save with pension insurance now, you can build up a respectable pension for later.

Pension entrepreneur: how much do you need?

How much pension you will really need depends on many factors. Do you have your own house and will it be sold before you retire? Do you have children living at home that may want to study later? How much money are you expecting to keep from your business? We will gladly have a look at your future finances with you. Call us for a free appointment.

Characteristics of freelancer’s pensions

  • Flexible pension insurance: choose to invest or save later
  • Pension insurance can be adjusted at any time according to your wishes and situation
  • Your pension insurance is made-to-measure
  • We advise you and compare the best offers on the market

If you, as an entrepreneur, die unexpectedly, it will have huge consequences not only for your family but also for your business and business partners. Entrepreneur’s life insurance will offer financial security to those you leave behind.

In case of death, this life insurance policy will pay a previously decided upon amount to your family, your business partners, or the business. This will make sure that your family will not have to contend with financial risks and that the continuity of your business is ensured.

Life insurance is custom work

As an entrepreneur, you have to deal with personal and business risks upon death. Deciding on the right coverage of your life insurance policy depends on many factors as well as your personal wishes and possibilities. Depending on the amount of your chosen coverage, a medical examination will be carried out.

Characteristics of life insurance for entrepreneurs

  • Will pay out a previously upon amount to those you leave behind
  • Will ensure the continuity of your company after death
    Can cover one or two lives
  • You can decide on the amount of the payout and the coverage period
  • Possibility of a premium waiver when work disability is also covered
  • Security for those left behind and an attractive premium
    We advise you and compare the best offers on the market

Life insurance for business partners

If you have a business partner, you are largely reliant upon them. You strengthen each other, decide on strategies together, and are make important decisions together. But what if your business partner passes away? In these cases, partners insurance can offer a solution.

When a partner dies, their heirs will take over his or her part of the business. This can endanger the continuity of the business. Partners insurance will pay the surviving partner a certain amount, allowing him to take over the shares of the deceased partner.

Partners’ life insurance is a logical choice

Partners’ life insurance is a logical policy. If you buy a house with your life partner, you insure each other’s lives. Why should it be any different when dealing with something of huge financial importance such as a company? Whilst life insurance will protect you in your private life, partner’s life insurance will do the same for your professional life.
Deciding on the right partner’s insurance coverage depends on many business and personal factors. We are happy to help you make your decisions. Feel free to contact us for an advisory discussion.

Advantages of partners insurance

  • Will pay out a previously agreed upon amount to the partner
  • Life insurance partner can cover one or two lives
  • You can choose the duration and amount of your policy
  • Partner insurance can be adjusted at any time
  • Good premiums because we compare the best offers for you

For employees

Pension insurance, the most important employee benefit

Employee pensions have become the most important employee benefit in recent years. If you want to attract and retain the best employees, good pension insurance for your employees is essential.

The big advantage of employee pensions is that your employees will not have to pay tax on it whilst saving. Income tax will be paid upon it at the moment that the pension is paid out. The tax amount at the moment of payout is often much lower than the tariff that they would currently pay for income tax.

Employee pension: keeping costs manageable

As an entrepreneur you want to keep your costs manageable. Good collective pension insurance will offer the flexibility to realize this. You can choose for saving and/or investing, your own premium contribution for your employees and the latitude to choose your own accrual.
Putting a collective pension scheme together for your employees depends on many factors. Moreover, there are many offers on the market for personalized pension insurance. We will be happy to advise you. Feel free to contact us for an advisory discussion.

Characteristics and advantages of pension insurance

  • Keep and attract employees due to good employee benefits
  • Pension insurance is an important employee benefit
  • Optimal cost management through personalized pension scheme
  • Possibility of premium contribution by your employees
  • Optimal profit from fiscal possibilities for you and your employees
  • Good premiums because we compare the best offers for you

Collective accident insurance

A study done by the CBS shows that many more people fall victim to work-related accidents than traffic accidents. Do you want to offer your employees a helping hand financially in these situations?

Collective accident insurance will cover this for them.
Collective accident insurance will be paid out upon the death or permanent disability of an employee. By adding this insurance to your employee benefits, you will be regarded as an involved employer.

Collective accident insurance in company insurance package

Collective accident insurance is a simple product: you will only get 1 policy for your entire company and do not have to relay any information about hiring or retirement. You can even choose to insure people against accidents 24 hours a day. If you do this you will get a discount when adding the policy to your business insurance package.

Advantages of collective accident insurance for employees

  • Pays out in cases of death or lasting disability of employees during work hours
  • Can be extended to 24 hour coverage
  • Good premiums and outstanding conditions
  • Extra: add your collective accident insurance to your complete business insurance package and profit from extra discounts on your premium

Travel worry-free with business travel insurance

Do you or your employees ever go on business trips? Don’t forget to request business trip insurance. Many people do not realize that private travel insurance does not cover you if something happens during a business trip! Moreover, business trips often have higher financial importance and therefor a larger financial risk. With business travel insurance, you will be protected against this. Even if you or your employee suddenly have to come home and someone else has to take your place.

Custom business travel insurance

You can make your business travel insurance as simple or as extensive as you want. For example, you can choose to have your medical costs covered. Or you can choose to have multiple people covered under one policy. Do you want to know what the best option is? Make a free appointment with us.

Advantages of business travel insurance

  • Extensive coverage of costs resulting from damage during business trips
  • Coverage can be extended when desired with, for example, cancellation insurance
  • Good premiums and outstanding conditions

Crooij and Flipse Insurance

Your independent insurance advisor on Bonaire

We Are Happy To Advise You