IN NEED OF INSURANCE

Empire Insurance offers Fire, Motor Vehicle, Engineering, Property Floater, Comprehensive General Liability (CGL) Insurance, Marine, Personal Accident, and Suretyship

Fire Insurance answers for loss or or damage to property caused by fire and/or lighting. Type of Coverage: Building and improvements, Machinery and Equipment, Stocks, Suppies and other contents, loss of income/business interruption. Coverage may be extended to include Earthquake, Typhoon, Flood, Volcanic Eruption, Explosion, Vehicular Impact, Falling Aircaft and/or objects thereform, Smoke, Riot, Strike, Civil Commotion, Malicious Damage and Robbery.

Motor Vechicle Insuranace
Insurance for loss or damage to vehicles, as well as liability arising from third-party bodily injury or property damage. Type of Coverage: Compulsory Third Party Liability (CTPL), Loss or Damage, Voluntary Third Liability (VTPL): Death/Bodily Injury, Property Damage. Optional Coverage: Unnamed Passenger Accident (UPPA), Extended Coverage: Flood, Typhoon, Volcanic Erruption, Earthquake or Strikes, Riots, and Civil Commotion.

Engineering Insurance
All-risk insurance that answers for loss and damage in the course of constructing buildings, roads or bridges, or in erecting, installking or operating machinery, and equipment, subject to certain exclusions.
a) Contractors All-Risk Insurance (CARI)
b) organic All-Risk Insurance (EAR)
c) Machinery Breakdown Insurance (MBI)
d) Boiler and Pressure Vessel Insurance (BPV0
e) Electronic Equipment Insurance (EEI)

Comprehensive General Liability (CGL) Insurance
CGL is the business liability insurance protection suited for offices, commercial, and industrial establishments. It indemnifies the client for liability arising from bodily injury to, or damage to the property of third parties in the course of the clients business operations.

Marine Insurance
Insurance for loss or damage to goods-in-transit from a place of shipment to a destination.

Property Floater Insurance
All-risk insurance for externally caused, direct, physical loss or damage to insured properties, subject to specified exclusions.

Personal Accident (PA) Insurance
Provides benefits to the insured or their beneficiaries in case of death or disablement caused by accident.
Personal Accident (PA) Packages: Individual PA, Family PA, Group PA, Student PA

Suretyship
An agreement that guarantees the clients performance of an obligation to, or undertaking in favor of a third party.
Types of Bonds:
a) Surety Bonds
1) Construction Bonds
2) Supply Contract Bonds
3) Judicial Bonds
4) License and Permit Bonds
5) Others
b) Fidelity Bonds.