Atlas Risk Solutions

What Atlas Risk Solutions does

Atlas Risk Solutions is a privately-held independent insurance brokerage and risk management consultancy founded in 1991 in Curaçao, Dutch Caribbean, operating under the legal name Dutch Caribbean Insurance Brokers. The company operates four physical offices across Curaçao, Aruba, Bonaire, and Sint Maarten, with claims support extending to Saba and St. Eustatius, serving both B2B enterprise clients and B2C individual travelers throughout the Dutch Caribbean region. It is a member of the Gallagher Global Network, providing access to a globally-ranked 3rd largest insurance broker's resources and A+ rated carrier markets.

The company offers a portfolio of seven specialized insurance product facilities — Atlas Cargo, Atlas Cyber, Excursionbloc, Atlas Hotel, Atlas Travel, Atlas Yacht, and Aviationbloc — each targeting distinct industry verticals including hospitality, marine, aviation, logistics, tourism, and cybersecurity. Supporting the brokerage is a suite of professional services including Claims Support, Risk & Insurance Audit, Enterprise Risk Management (featuring authorized distribution of Risk Wizard cloud-based risk management software), Employee Benefits Administration, and general Brokerage Services. The technology stack includes a fully automated online 24/7 cargo insurance platform (Atlas Cargo Facility) and a cloud-based employee benefits administration system, providing digital self-service capabilities alongside traditional relationship-driven enterprise sales.

Revenue is generated through insurance brokerage commissions from carrier placements, fee-based risk management consulting, and ongoing service fees from employee benefits administration. The go-to-market combines direct field sales with dedicated account managers across all four islands, supported by inside sales and client management functions, and digital self-service channels for cargo and travel insurance products. The company targets a diverse customer base spanning hospitality and tourism (primary), cargo and logistics (primary), marine and yacht owners (primary), individual travelers (primary), and enterprise clients across professional services and SMBs.

Name

Atlas Risk Solutions

Legal name

Dutch Caribbean Insurance Brokers

Website

https://atlasrisksolutions.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Atlas Risk Solutions is an independent insurance brokerage and risk management consultancy founded in 1991, serving B2B enterprises and individual travelers across the Dutch Caribbean with offices in Curaçao, Aruba, Bonaire, and Sint Maarten.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Management

NAICS

Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Travel Risk Management & Duty of Care Advisory (BPAKADAN)

akta.pro secondary industries

Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK), Technology Errors & Omissions (Tech E&O) / Professional Liability (FSAJAOAC), Risk Scoring, Hazard & Geospatial Analytics (FSAOAIAE)

Keywords

• Insurance brokerage
• Risk management
• Commercial insurance
• Marine insurance
• Enterprise risk consulting

Headquarters

HQ city

Curacao

HQ country

Costa Rica

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage and Placement Commissions: Atlas Risk Solutions acts as an independent intermediary between clients and insurance companies, earning commissions from insurers for placing and managing insurance policies. The company sources policies from top-rated insurers, negotiates terms, and earns revenue through brokerage fees and commissions embedded in insurance premiums.
2. Risk Management and Consulting Services: The company provides ongoing risk management advisory, enterprise risk management implementation, risk and insurance audits, and claims support services. These professional consulting engagements generate fee-based revenue on a recurring basis as client relationships evolve.
3. Employee Benefits Administration: Group employee benefit programs including health insurance, pension planning, life insurance, accident insurance, and disability insurance are administered through the cloud-based platform, generating ongoing service fees and brokerage commissions from insurance carriers.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Atlas Risk Solutions is an independent insurance brokerage and risk management consultancy operating across the Dutch Caribbean. The company places and manages insurance policies with top-rated insurers on behalf of business clients across verticals such as hospitality, cargo/logistics, marine/yacht, aviation, cyber, and tourism, while also delivering enterprise risk management, claims advocacy, employee benefits administration, and risk and insurance audit services.

Product overview

Atlas Risk Solutions offers a portfolio of specialized insurance facilities and risk management services for the Dutch Caribbean market. The product suite includes seven core insurance facilities (Atlas Cargo, Atlas Cyber, Excursionbloc, Atlas Hotel, Atlas Travel, Atlas Yacht, and Aviationbloc) covering cargo, cyber, tour operators, hospitality, travel, marine, and aviation sectors. Supporting these are five professional services: Claims Support, Risk & Insurance Audit, Enterprise Risk Management, Employee Benefits, and Brokerage Services. The company operates as a boutique independent broker delivering tailored, conflict-free advice through their local presence in Curaçao, Aruba, Bonaire, and St. Maarten.

Differentiator

Problem solved

Functional benefit

Brands

• Atlas Cargo Facility: Online automated turnkey cargo service solution for importers, forwarders, and shipping agents in the Dutch Caribbean.
• Atlas Hotel
• Atlas Travel Facility
• Atlas Yacht Facility
• Atlas Cyber Facility
• Excursionbloc
• Aviationbloc

Products and services

• Atlas Cargo Facility Fully automated, paperless online cargo insurance platform for importers, exporters, freight forwarders, and shipping agents in the Dutch Caribbean, offering 24/7 real-time quoting, policy generation, certificates, and warehouse-to-warehouse coverage backed by A+ rated carriers.
• Atlas Cyber Facility Comprehensive cyber risk protection program for businesses, addressing ransomware attacks, digital threats, regulatory fines, and reputational exposure with tailored coverage solutions.
• Excursionbloc Tour operators liability insurance program positioned as a comprehensive and competitively priced solution for shore excursion and tour operators across the Dutch Caribbean.
• Atlas Hotel (Hotel & Resort Liability) Exclusive hotel and resort liability insurance designed for the hospitality field, covering guest safety, property protection, and operations of hotels and resorts.
• Atlas Travel Facility Travel insurance designed for Dutch Caribbean residents aged 0-75, providing higher medical coverage limits than traditional products, along with medical evacuation, trip interruption, and 24/7 international assistance for trips up to 364 days.
• Atlas Yacht Facility Specialized pleasure craft insurance facility accommodating a wide range of boats and yachts, providing hull and machinery, P&I, crew coverage, salvage, and wreck removal coverage through A+ rated marine insurers.
• Aviationbloc Tailored aviation insurance solution managed by a dedicated team of aviation liability insurance experts in partnership with locally licensed insurers for aviation businesses and private aircraft owners.
• Claims Support Full-service claims advocacy covering tour/shore excursions, hotel liability, marine cargo, motor, health, and property insurance, acting as the client's representative with insurers to achieve favorable claim outcomes.
• Risk & Insurance Audit Consultative service providing in-depth analysis, evaluation, and categorization of an organization's existing risk profile and key risks to loss to inform coverage decisions.
• Enterprise Risk Management Holistic ERM program for identifying, assessing, and controlling hazard, operational, compliance, financial, and strategic risks through a formalized process, supported by the Risk Wizard cloud-based risk management tool.
• Employee Benefits Group employee benefits and insurance programs including health insurance, pension planning, life, accident, and disability insurance, administered through a cloud-based platform that simplifies enrollment, policy management, and HR communication.
• Brokerage Services Insurance brokerage services including policy sourcing from top-rated insurers, risk analysis, claims advocacy, and industry-specific solutions spanning hospitality, aviation, cargo, professional services, and more.

Quantifiable outcome

• Saves time through automated 24/7 cargo insurance policy issuance vs. traditional manual processes
• +2 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Gallagher Global NetworkcoreStrategic or Co-development PartnerAtlas Risk Solutions is a member of the Gallagher Global Network (GGN), a worldwide network of trusted brokers brought together by shared values, culture, expertise, and strong collaboration. GGN membership enables Atlas to utilize a best-in-class service model with complex industry-specific insurance expertise, access Gallagher's vast resources, and deploy an exceptional service delivery process (Core 360). Gallagher is the 3rd largest insurance broker globally.
• Gallagher GroupcoreStrategic or Co-development PartnerAtlas Risk Solutions is a partner firm of Gallagher, following a code of shared values as the foundation of the organization. As part of Gallagher, Atlas has access to global standards and resources while maintaining its independent regional operations. Gallagher named its global correspondent partner Gallagher as one of the 2023 World's Most Ethical Companies by Ethisphere for the 13th consecutive time.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Willis Towers Watson: Global advisory, broking, and solutions firm with insurance brokerage operations in the Caribbean. Overlaps with Atlas on commercial and specialty lines for multinational clients active in the Dutch Caribbean.
• Marsh: Global insurance broker and risk advisor (part of Marsh McLennan). Operates broadly across all insurance lines globally and competes with Atlas for large Caribbean accounts, but lacks Atlas's regional boutique specialization and Dutch Caribbean island presence.
• Aon: Global insurance brokerage and advisory firm with extensive Caribbean presence. Competes for commercial and specialty accounts in the region but does not match Atlas's independent, Dutch-Caribbean-exclusive focus or multi-island local depth.
• Gallagher: Atlas's global correspondent partner and the world's 3rd largest insurance broker. Operates a Global Network of independent partner firms like Atlas; comparable on brokerage model and risk management consulting, but at vastly larger global scale.

Direct peers

• Brown & Brown: US-headquartered insurance brokerage that has grown through acquiring regional specialty brokers across property/casualty, employee benefits, and personal lines — closely comparable to Atlas's multi-vertical, multi-facility specialty broker model.
• Howden Group: International insurance broker with strong specialty lines (marine, aviation, energy, cyber) and a federated model of regional partner firms. Closely comparable to Atlas's specialty-facility strategy and independent-broker positioning.
• Hub International: North American insurance brokerage acquired by Marsh McLennan, built through regional broker roll-ups across commercial, personal, and employee benefits lines. Comparable growth model and product breadth to Atlas's facilities portfolio.
• Lockton: World's largest independent insurance brokerage, focused on specialty and commercial lines across multiple verticals. Comparable to Atlas on independent ownership, specialty expertise, and client advocacy positioning.

Emerging players

• World Nomads: Travel insurance specialist providing online, adventure-focused coverage to global travelers. Comparable to Atlas's Atlas Travel Facility on travel insurance distribution via digital self-service channels.
• Acrisure: Tech-enabled insurance brokerage that has rapidly acquired specialty brokers worldwide. Comparable to Atlas on brokerage fundamentals and on using technology platforms to drive efficiency in distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AtlasRiskSolution
• LinkedInlinkedin.com/company/atlasrisksolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atlas Risk Solutions