Motor Vehicle Insurance

CTPL or Compulsory Third Party Liability:
What you need when your register your vehicle. Minimum coverage for liability to third parties due to bodily injury.

Comprehensive Insurance:
Protects your vehicle against loss or damage due to accident as well as loss due to theft. Covers Liability to Third Parties for Bodily Injury and Property Damage as a result of operating your vehicle. Covers Accidental Death of Dismemberment of Driver and Passengers of Insured vehicle. Coverage extends to damage to your vehicle due to Acts of Nature. May also extend to cover Loss of Use of vehicle while undergoing repair.

Fire Insurance

Provides protection for your home and business for loss and damage of your properties caused by fire. Properties that may be covered include buildings, machinery and equipment, inventory of stocks in trade, raw materials and goods in process, household fixtures, furniture, appliances, personal effects (cash and jewelry excluded) and other fixed properties. May also extend to cover loss and damage as a direct result of earthquake, flood, typhoon, smoke damage, vehicle impact, explosion, riots, strikes, malicious damage and burglary. Consequential losses such as Business Interruption may also be covered under a separate policy.

Travel Insurance

Provides coverage for risks associated with traveling such as loss of luggage, delays, and death or injury while travelling locally or in a foreign country. May be bought individually or as a family.

Accident Insurance

Provide compensation for accident injury or death. Accident insurance covers death. dismemberment, disability, lost of sight, loss of income, and medical expenses caused by accidental injury.

Life Insurance

Protects your family, loved ones, business interests and estate against your untimely death due to accident or natural causes. Protects loss of income due to disability or critical illness. Allows you to secure living benefits for education of your children, expensive critical illness, retirement and estate conservation. Various traditional and variable life products to choose from. May be bought individually or as a group.

Medical Insurance and HMO

HMO and Medical Insurance plans offer a wide range of healthcare services through a network of providers who agree to supply services to their members. Covers preventive care, in-patient, out-patient and emergency care benefits. May be bought individually or as a group.

Liability Insurance

Provides protection by way of indemnifying the insured for financial and legal liabilities for damage to another party’s property or injury to another person, arising from an accident due to the insured’s negligence in connection with the insured’s business or household operations or professional services. The purpose of liability insurance is to pay for the cost of damages and defense cost resulting from the negligent acts or omissions of the Insured. Different Liability policies include: Comprehensive General Liability, Comprehensive Personal Liability, Directors and Officers Liability (D&O), Products Liability, Professional Liability.

Aviation Insurance

Provides protection for the owner and operator of aircrafts. Covers loss or damage to hull and machinery, passenger legal liability, passenger and pilot personal accident insurance, and liability to third parties arising from property damage or bodily injury as a result of ownership or operation of the insured aircraft.

Marine Hull and Marine Cargo via Land, Air, or Sea

Provides protection against loss or damage to ships transferring cargo, and the cargo itself, from point of origin to its final destination. It also covers material damage to container terminals, ports and pipelines, and may extend to cover liability as well. Goods transported by land may also be covered under an Inland Marine Insurance policy.

Bonds

Provides a guarantee which assures that obligations of an individual or a company, under a contract, will be fulfilled. Various types of bonds available including Surety and Performance Bonds, Judicial Bonds and Fidelity Bonds.

Fidelity Insurance and Money Securities and Payroll Robbery Insurance

Fidelity Insurance:
Provides protection to employers for financial loss as result of employee fraud, forgery or dishonesty.

Money Securities and Payroll Robbery (MSPR):
Provides coverage for direct physical loss of money securities and payroll whether inside premises or in transit.