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Motor Car insurance Main Cover Own Damage - protecs insured's vehicle againts loss or damage due to an accident as well as loss due to theft Third Party Liability Cover Compulsory Third Party Liability (CTPL- a prerequisite for all registered vehicles) Excess Bodily Injury Property Damage Protects Insured againts liability arising out of lossor damage to the other person's properties(Property Damage) and or injuries of third parties(Bodily Injury |
Fire insurance Insurance against physical loss or damage proximately caused by fire and lightning to an insured property such as buildings, machinery and equipment, stocks in trade, goods, house hold fixtures, furniture, appliances, personal effects (excluding cash and jewelry0 and other fixed properties. Classification of building occupancy Residential - buildings/ Structures used primarily as dwelling units, townhouses and conduminiums Warehouse- Buildings/structures used as storage of goods or merchandise Industrial - Buildings/structures occupied maily as workshop, factories and mills General - Building/structures used as schools, churches, offices, hospitas, cinemas, restaurants, department store, shopping malls and the like. Fire Insurance can be extended to cover the following perils Earthquake Fire/Shock Typhoon Flood Vehicle Impact/Falling Aircraft Explosion SmokeDamage Riots/Strikes Malicious Damage Riot/Fire |
Surety Bonds insurance A bond is an agreement among three parties whereby a surety company guarantees the performance by an individual (Principal) of an obligation or undertaking in favor of a third party (Obligee of Insured Party in whose favor the bond is issued)The bonding company (Surety) undertakes to indemnify the obligee, up to the bond, for what ever loss he might suffer if the principal fails to comply with his obligation. Classification of bonds License and Permit Bond Construction Bond Fidelity Bond BIR Bond Judicial Bond General Surety Bond |
Marine insurance |
