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

Employee Liability

Businesses that do not have Employer’s Liability insurance are exposed to significant financial and legal risk. Employer’s Liability insurance provides businesses with financial protection in the event of an employee’s at-work-accident. Additionally, this coverage provides security for employees and demonstrates that the company has taken measures to protect them and provide financial remedies in the event of an accident. Our policy includes, but is not limited to, coverage for:

• Lost wages/replacement income
• Medical expenses for injuries incurred while on duty
• Injury caused by proven employer negligence
• Compensation for permanent injuries
• Benefits to survivors of workers who are killed on the job
• Expenses for legal fees incurred in defense of a claim or lawsuit

Public Liability

If your business involves interacting with customers or the public, Public Liability insurance provides you with the protection you need. It safeguards your assets against claims for property damage or bodily injury suffered by third parties while on your premises or as a result of your business activities. If someone is injured on your premises, or their property is damaged while you’re providing a service, they may take legal action against you to recover their losses. Public Liability insurance can pay for the cost of these claims or any associated legal expenses and control the negative impact to your business. Public Liability insurance is included in our industry-specific business insurance packages because we understand the importance of protecting your livelihood.