INSURANCE POLICIES

• Automobile Liability (Bodily Injury and Property Damage) – covers the insured’s legal obligation to pay because of bodily injury or property damage to another person
• Own-Property Damage (Comprehensive and Collision) – optional coverage that pays the physical damage the insured vehicle resulting from Collision and other covered perils, i.e. theft, fire, upset.
• Medical Payments – optional coverage that pays for medical expenses of the driver and passengers, without regard to fault.
• Uninsured Motorist Coverage – optional coverage that protects an insured involved in a collision with a driver who does not have liability insurance.
• Typhoon Coverage – optional coverage that pays for physical damage of the insured vehicle resulting from typhoon peril.
• Towing – optional coverage that will pay towing and labor costs incurred each time your covered auto is disabled up to $50.00
• Loss Of Use – optional coverage that will pay up to a maximum of $1,200 for temporary transportation not exceeding $40.00 per day in the event of a loss to your covered automobile.

• Building and Personal Property – insures the dwelling and its extensions (if specified) and the unscheduled personal property of the insured against the perils of Fire and Ligthning, Earthquake, Typhoon, Vandalism and Malicious Mischief, Smoke, Vehicle, Aircraft, Burglary, and other perils specified.
• Personal Liability – covers the legal obligation of the insured resulting from bodily injury or property damage sustained by another person within the insured private residence or resulting from the insured’s covered activities.
• Medical Payments to Others – covers the medical expenses of another person who may be injured within the insured building.
• Additional Living Expense – reimburses the costs of residing in a temporary location until the insured’s home can be made livable again after it has been damaged by an insured peril.
• Home and Auto Coverage Plus 2.0 (HACPLUS 2.0)

This special policy offers upgraded benefits for our clients’ vehicles and homes. The HACPLUS program offers:

• FREE $5,000 Personal Accident Insurance to cover the insured party in the event of accidental death or dismemberment.
• FREE Medical Payments: $1,000.00 per person and $25,000.00 per accident to cover any third parties that may be injured while at your home.
• FREE $100,000.00 Personal Liability coverage that can help pay for legal damages that may result from the bodily injury or physical property damage to a third party.
• FREE $5,000.00 Contents Coverage
• FREE $1,000.00 in medical payments in your auto policy

• Residential properties for rent.
• Apartments
• Condominiums
• Commercial building
• Hotels/Motels

• Comprehensive General Liability
• Owners’, Landlords’ & Tenants’
• Manufacturers’ & Contractors’
• Directors and Officers Liability
• Excess Liability
• Umbrella Liability
• Professional Liability
  • Engineers/Contractors
  • Accounting Firms
• Garage Liability

• Workmen’s Compensation
• Employer’s Liability

• Bid Bond
• Performance Bond
• Supply Bond
• Labor and Material Bond
• Notarial Bond
• Indemnity Bond (Travel Agencies)
• Fidelity Bond

• Open Marine Cargo
• Inland Marine

• An insurance contract between the policyholder and the insurer where the latter promises to pay a designated beneficiary  a sum of money in exchange of a premium upon the death of the policyholder.
• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance

• Excess Liability Insurance – provides an added layer of liability protection on top of your existing liability insurance but is more restrictive and does not provide coverage which is not available in the underlying policies

• Umbrella Liability Insurance – provides additional limits over the underlying liability. It provides broader coverage than an Excess Liability

• Mercantile Open Stock Burglary
• Mercantile Robbery and Safe Burglary
• Fidelity Guarantee