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This policy would cover the insured properties (building/stock/machineries/content) against risk of ordinary FIRE and LIGHTNING.
- Residential
- Commercial
Optional: Allied Perils
A. Typhoon
B. Flood
C. Earthquake Fire
D. Earthquake Shock
E. Riot and Stricks
F. Explosions
G. Aircraft / Vehicles
H. Bursting or Overflow of Water Tanks Apparatus or Pipes
I. Loss of Profits or Consequential loss
J. Burglary/Robbery
K. Business Interruption
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- This policy would cover the insured properties against maritime perils or perils incidental to maritime adventure.
- Cargo Insurance – to cover the insured cargoes being transported from one place to another against losses either by air, land or sea.
A.1. Ocean Marine
A.2. Inter-Island
A.3. Inland Marine
- Marine Hull Insurance - Insurance being afforded on the ship or vessel including its machinery, equipment and other appurtenances.
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- Electronic Equipment – covers all electric equipment against risk of damages.
- Contractors All Risk (CAR) – This policy basically covers infrastructure projects like, roads building constructions and / or renovations, dams, canal, pipe laying, etc. against physical damages consequent upon fire, accidental collapse, flood, typhoon and earthquake risks whilst in the period of construction and / or renovation.
- Erection All Risk – Covers risk relative to erection/installation of machineries/equipment.
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The kind of insurance pertains related to use of a LAND motor vehicle.
- Comprehensive Cover – the insured is protected against;
1.1. loss of or damage to his vehicles;
1.2. claims by third parties for damage to their vehicles or other properties and / or for injuries sustained by said parties as a result of the use of the insured's vehicle.
- Loss or Damage – this is the comprehensive cover minus the Third Party Liability to the Public.
- TPL or Liability to the Public Only – any legal liabilities that the insured may incur in the use of the motor vehicles.
- Compulsory Third Party Liability (CTPL) Pursuant to Chapter VI of the Insurance Code (P.D. 612) – Coverage being required prior to every vehicles registration, which covers DEATH and BODILY INJURIES only subject to the schedule of indemnities therein set forth.
- Personal Accident Rider – to cover the occupant / passenger and driver of any motor vehicle against accidental death and disablement.
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- OFW Package cover
- Home Package cover
- Office Package cover
- SME Package cover
- Comprehensive General Liability (CGL) – Basically a Third Party Liability policy to cover various establishments against Third Party legal liabilities which may incur in the pursuit of their business. Example are motor shops, machine shops, hotel and restaurants, resorts and the like.
- Money, Securities & Payroll Robbery (MSPR) – This is an insurance coverage for establishments against hold-ups, burglary, robbery, including cash/money in premises or whilst in transit.
- Fidelity Guarantee - Insurance cover an individual specifically those handling cash against dishonesty, fraudulent acts, and falsifications resulting to loss of money.
- Equipment or Property Floater – This policy basically used to cover heavy and fixed machineries like tractors, bulldozers, cranes, road rollers, graders and the like. Coverage is against “All RISKS” which includes own damage, theft, malicious damage, etc.
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Guarantees performance of principal of an obligation in favor of obligee.
- Performance Bonds
- Bidders Bonds
- Surety Bonds
- Bail Bonds
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This type of insurance provides benefits/indemnity in case of losses to the person or physical well being of an individual arising out of an accident.
- Individual Plans
- Group Plans
- Student Plans
- Other Plans
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