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Pays all sum necessary to discharge liability of the insured in respect of bodily injury and/or death to any third party.

Provides coverage for the damage to the insured vehicle, its accessories and spare parts due to accident. This also covers theft or carnap of the insured vehicle.

 will pay all sums necessary to discharge death and bodily injury liability in excess of the CTPL cover.

will pay all sums necessary to discharge liability of the insured in respect of damage to property in accident caused by or arising out of the use of the insured vehicle.

provides protection for death, bodily injury and medical reimbursement to any person riding in the insured vehicle due to accident.

provides protection for damage to the insured vehicle due to natural calamities.

Allied Perils


  • Earthquake Fire covers the insured property against direct loss or damage caused by fire following an earthquake.
  • Earthquake Shock covers the insured property against loss or damage (other than fire) occasioned by or through or in consequence of earthquake.

Typhoon is a coverage normally given for completed buildings and contents of fully enclosed and roofed structures. Loss or damage to the contents or interior of a building is covered only if the building itself is externally damaged.

Flood is a coverage against loss or damage caused by extraordinary rising of water following typhoon, cyclone and/or windstorm.

Extended Coverage includes explosion, aircraft, vehicle and smoke damage.

Riot and Strike covers all direct loss or damage caused by strikers, or locked-out workers including wreckage and looting.

Malicious Damage covers loss or damage to the property insured indirectly caused by the malicious act of any person whether or not such act is committed in the course of a disturbance of the public peace.

is a type of property insurance policy form that will provide for loss or damage arising out of all perils except those which are specifically excluded.

Provides monetary compensation for death or bodily injury as a result of accidental, violent, external, and visible means anywhere in the world for Individuals and Groups (Students or Employees).

Protects an Insured against legal liabilities that may arise as a result of bodily injury and/or property damage to third party in connection with the Insured’s business.

Covers property that is easily movable such as heavy equipment, machines, portable electronic equipment, etc.

Provides indemnity for direct, financial losses as a result of fraudulent or dishonest acts of an insured employee whilst acting in his designated capacity during the period covered subject to the limits set forth in the policy.

Protects the insured against loss of money, securities and payroll due to robbery, hold-up, and burglary within the insured’s premises while contained in a locked safe or vault and while outside premises or while in transit in the personal charge of your authorized employee within the declared money routes.

Contractor’s All Risk

Is an insurance for buildings and civil engineering project during construction against accidents, resulting in loss, or damage or destruction of materials, works in progress, construction plant and equipment and construction machinery.

Erection All Risk

Is designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structures, including physical damage to the contract works, equipment and machinery, and liability for third-party bodily injury (BI) or property damage (PD) arising out of these operations.

This covers cargoes transported by a vessel or ship which navigates from the point of origin to the point of destination.

This covers cargoes transported within the island via roads and railways using motorized vehicles.

This covers cargoes transported via air using commercial airlines.


  • Bid Bond guarantees if the principal will win in the bid, he shall enter into a contract with the obligee.


  • Performance Bond guarantees that the principal will perform the obligations set forth in the principal contract, specifically completion of the project in accordance with the approved plans, specifications, terms and conditions thereof.


  • Warranty Bond guarantees the correction and repair of hidden defects in the materials and workmanship used by the principal.

is a bond posted by the principal to repossess a personal property from the obligee.

is a bond wherein the bonding company promises to answer financially to the oblige for the debt, default or conduct of the principal.