Commercial Property Insurance

Commercial Property Insurance

Commercial Property and Hotel Insurance

As a business owner in the hospitality industry, you understand the importance of creating memorable experiences for your guests. Whether you own a hotel, resort, or bed and breakfast, your commercial property is the heart of your operation. That's why it's crucial to have comprehensive insurance coverage tailored to the unique risks you face. Let's explore the human side of commercial property and hotel insurance and understand why they are vital shields for your business and the well-being of your guests.

Protecting Your Hospitality Dream

Imagine the excitement and anticipation of opening your hotel doors for the first time. It's not just a building; it's the realization of your hospitality dream. Commercial property and hotel insurance become essential protectors of your vision. They shield your property against unforeseen events such as fire, natural disasters, vandalism, or theft. By safeguarding your dream, these insurance policies provide you with peace of mind, allowing you to focus on providing exceptional experiences for your guests.

Ensuring Guest Safety and Security

As an hotelier, the safety and security of your guests are paramount. Accidents, injuries, or property damage within your premises can not only harm your guests but also tarnish your reputation. Hotel insurance offers liability coverage, protecting you in case of incidents involving guests or their belongings. This ensures that your guests are taken care of and that your commitment to their well-being is backed by comprehensive insurance coverage. By maintaining guest safety and security, you build trust and loyalty, creating a positive gues

Home Insurance

Home Insurance

The Benefits of Cheap Mortgage Rates Becoming a homeowner is a dream that many people cherish. It's an exciting journey filled with hopes and aspirations. One crucial factor that can make a significant difference in this process is the mortgage interest rate. Luckily, in recent times, prospective homeowners have been presented with a unique opportunity – historically low mortgage rates. Let's explore the human side of the benefits that cheap mortgage rates offer, turning dreams into reality for countless individuals and families. Making Dreams Affordable Imagine finding your dream home, the place where you can create lasting memories with your loved ones. Cheap mortgage rates make these dreams more affordable. With lower mortgage interest rates, you may be able to qualify for a larger loan amount or opt for shorter loan terms while keeping your monthly payments within your reach. This newfound affordability broadens your options, allowing you to explore homes that may have previously seemed out of your financial grasp. Easing Financial Burden Owning a home is undoubtedly a financial commitment, but cheap mortgage rates help alleviate some of the burdens. Reduced interest rates directly translate into lower monthly mortgage payments. The relief you feel when your mortgage payments fit comfortably into your budget is immeasurable. These savings can then be redirected towards other important aspects of your life, such as pursuing further education, supporting your children's aspirations, or planning for your future. An Investment in Your Future Purchasing a home is not just about finding a place to live—it's also an investment in your future. With a home loan’s low

Harbor Policies

Information on request

Airplane Policies

Information on request

Airport Policies

Airport operations are complex and the liability exposures numerous. Comprehensive coverage for each aspect of your operation is a must. Protect yourself against liability to third parties with our Airport Ground Handler’s Liability policy. We provide liability coverage while agents and subcontractors are servicing an aircraft when it is on the ground. Some of the main exposures you face relate to cabin servicing, catering, ramp servicing, passenger servicing and field operation servicing.

Bond insurance

For major projects, the issuance of bonds is a must. Bonds are usually requested by the party engaging a contractor to guarantee the performance of the contractor/service provider.There are a number of different types of bonds: performance bonds, advance payment bonds, bid/tender bonds, retention bonds, custom bonds and demand bonds. Whatever your bond need, Aruba Happy Insurances team of qualified professionals are ready to assist you with their technical expertise.

Tourist Tour Insurance

As a tour or excursion operator you need excursion insurance in order to be recommended and listed as an excursion option for cruise lines and to protect you from the risks associated with both the tour activities themselves and your day-to-day business interactions and functions. We’ll help you get the coverage you need. There are several excursion insurance requirements for tour operators who contract with cruise lines and resort hotels, or sub-contract to other major tour companies. These requirements are a necessity for any tour or excursion operator to compete in a business that places heavy emphasis on the quality and amount of the liability insurance policy of a service provider to whom they refer their guest. Without the proper liability protection, tour and excursion operators will inevitably miss opportunities to provide services to these customers, and will miss out on profit opportunities for their company.

Marine Liability

If your business carries out its activities in the marine environment, then the marine liability insurance is critical for the protection of your financial wellbeing. Many General Liability Insurers tend not to cover any risks of a “marine nature”.  For complete cover a Marine Liability policy tailored to cover your activities on or over water is essential. This will respond to protect you against claims made by third parties for personal injury and property damage.  

Pollution Liability

Pollution Liability protects contractors and service providers against losses resulting from pollution conditions caused by covered operations including work performed by subcontractors that are not normally covered under a general liability insurance policy. Covered losses may include third-party claims for bodily injury or property damage, and environmental damage giving rise to clean-up costs.

Product Liability

If you provide products to your customers, it’s important to protect your business against claims of damage or injury that may arise from these products. Product liability insurance is often included in our industry-specific business insurance packages. These packages are tailored to meet the unique requirements of your business. As well as product liability insurance, for complete coverage you may also include public liability insurance and professional indemnity insurance cover. What is Product Liability Insurance? Product liability insurance, also known as general liability is usually included as part of a public liability insurance policy. It is designed for professionals who supply products to their customers or to members of the public. Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs. Do I need Product Liability Insurance? Product liability insurance is recommended for any business that supplies products. Even with products that appear entirely safe, there’s always the potential for something to go wrong – and accidents do happen. Claims of personal injury or property damage arising from product use (or product failure) can be incredibly expensive, and even if you’re not at fault, you may still incur considerable legal costs while defending yourself. Product liability insurance safeguards your business by providing cover against such claims, including legal defence costs. So you can confidently go about your work, knowing that your protected if something go