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Product: Fire > Business Protect


We provide asset protection for various commercial businesses such as offices, restaurants and even small kiosks. The insurance program is easily customized for your business’ needs. Choose from many protection options and variations offered at affordable premiums:

  • Property Insurance

Provides coverage for your business against loss or damage resulting from fire and lightning, typhoon, flood, earthquake fire & earthquake shock, smoke damage, explosion, vehicular impact, falling aircraft, riots, strikes and malicious damage, sprinkler leakage, and bursting or overflowing of water tanks, apparatus, and/or pipes (BOWTAP). It also covers built-in extensions namely debris removal, professional fees and fire fighting expense.

  • Comprehensive General Liability (CGL)

Value-added feature that brushes off business-related legal worries. It provides protection to the Insured’s business against third party claims as a result of property damage and/or bodily injury arising from the operations of the business. This includes legal expenses necessary to defend the Insured from third party claims.
Depending on the type of business, the CGL offers specific extensions that are relevant to the nature of business from food poisoning endorsements for restaurants.

  • Personal Accident (PA)

A 24-hour, 365-day protection for the Insured and Insured’s employees against accidents. As a standard feature, Business Protect provides coverage for four (4) named employees provided that the age of each person declared under this benefit does not exceed 65 years old.

  • Money, Securities, and Payroll (MSP)

Compensates for loss of money or securities stored within the insured business premises due to burglary or robbery. In addition, this cover will also respond to loss of money-in-transit due to robbery from the business premises to the bank and vice versa.