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PROPERTY/F IRE INSURANCE

Proper ty /F i re I n su rance p rov ides

comprehens i ve p rotect ion fo r p roper t ies

and asset s aga ins t los s o r damage caused

by f i re o r l igh tn ing and can be ex tended

to cover ear thquake, t yphoon, f lood, o the r

i n su rab le per i l s , and loss o f i ncome f rom

the in su red per i l s .

OPTIONALCOVER

Broad Named Per i l s

Al l ied per i l s (ea r thquake, t yphoon, f lood,

ex tended coverage—exp los ion, smoke

damage, fa l l i ng a i rc ra f t, veh ic le impact, r io t,

s t r i ke and ma l ic ious damage, b road wate r

damage, bu r s t i ng and/or ove r f low ing o f wate r

tanks, apparatus and p ipes )

Property A l l R i sk

Al l r i s k o f sudden and acc identa l phys ica l

los s, des t ruc t ion o f, o r damage to the

p roper ty i n su red except as exc luded

in the po l icy

• Comprehens i ve Genera l /Pe r sona l L iab i l i t y

• Robber y/Bu rg la r y

• Mach ine r y B reakdown

• P la te G lass I n su rance

• Loss o f Money Wi th in and Outs ide Prem i ses

• F ide l i t y Guarantee

• Pe r sona l Acc ident I n su rance

• Bus iness I n te r rupt ion

( fo r commerc ia l and indus t r ia l r i s k )

• Loss o f I ncome

• Cos t o f debr i s remova l

• Expedi t i ng expenses

• Ex t i ngu i shment s and m i t igat ion expenses

• Pro fess iona l fees

• Tempora r y remova l

SPECIALPACKAGESAVAILABLE

(OPTIONAL)

INFORMATIONREQUIRED

FOR PROPERCOVERAGE

ADDIT IONALBENEFITS

• Assu red ’ s name

• Locat ion o f p roper ty

• Type o f p roper ty

• Proper t ies to be in su red

- Bu i ld ing

- Content s

- Mach ine r ies and equ ipment

- S tocks

- Va luab le i tems/Work s o f a r t

• Va luat ion o f p roper ty

- Rep lacement va lue

- Sound va lue

- Fa i r mar ke t va lue

• Mor tgagee, i f app l icab le

• Loss h i s to r y

SPECIAL R ISK& ENGINEERINGINSURANCE

Spec ia l R i s k and Eng ineer ing In su rance

i s a spec ia l l i ne o f p roper ty i n su rance

that p rov ides coverage fo r mach ine r y

and equ ipment, bu i ld ing s t ruc tu res

under cons t ruc t ion, and othe r

eng ineer ing wor k s.

CONTRACTOR ’SALL R ISK (CAR)/

ERECTIONALL R ISK

INSURANCE(EAR)

cover s los s o r damage f rom any cause

wh i l s t i n the cont ract s i te—f rom complet ion o f

un loading un t i l , i n the case o f the wor k s, t he

exp i r y o f i n su rance; i n the case o f cons t ruc t ion

p lant, t he commencement o f load ing fo r

d i spatch f rom s i te o r the exp i r y o f i n su rance.

f i re / l igh tn ing, natu ra l pe r i l s /act s o f natu re,

lands l ip/ subs idence, acc identa l damage,

co l l i s ion, co l lapse, impact, the f t, ma l ic ious

damage, b reakdown and exp los ion, fau l t s

i n cons t ruc t ion/e rect ion, neg l igence, lack o f

s k i l l /exper ience, sho r t c i rcu i t i ng, a rch ing,

excess vo l tage

cons t ruc t ion p lant and equ ipment, th i rd par ty

l iab i l i t y i nc lud ing v ib rat ion, remova l , and

weaken ing o f suppor t ; i n land t rans i t, debr i s

remova l , p ro fess iona l fees, expedi t i ng cos t,

own su r round ing p roper t ies, o f f s i te s to rage,

cover fo r tes t i ng and commi s s ion ing,

consequent ia l los s fo l low ing de fect s, cove r fo r

r io t, s t r i ke and c iv i l commot ion, ma in tenance

per iod, tempora r y fac i l i t ie s

cover s a l l r i s k o f sudden and un fo reseen

phys ica l los s, des t ruc t ion, o r damage

inc lud ing but not l im i ted to: f i re / l igh tn ing,

w inds to rm, t yphoon, f lood, ear thquake, t ida l

wave, exp los ion, smoke damage, fa l l i ng

a i rc ra f t and veh ic le impact, e lect r ica l i n j u r y,

bush f i re, wate r damage, lands l ide,

subs idence, co l lapse, r io t s t r i ke and c iv i l

commot ion, ma l ic ious act s, sp r i n k le r and

re la ted f i re f igh t i ng apparatus leakage,

bu rg la r y, robber y, the f t, acc identa l d ropping,

fau l t y operat ion, lack o f s k i l l , bad wor kmansh ip

RISKCOVERED

EXTENSIONSOF COVERAVAILABLE

INFORMATIONREQUIRED

FORPROPER

COVERAGE

ELECTRONICEQUIPMENTINSURANCE

(EEI)

For CAR/EAR

• Assu red ’ s name

• Address /Locat ion o f s i te

• Natu re o f p ro ject

• Du rat ion

• Pro ject cos t

• L im i t o f l iab i l i t y (3 rd par ty )

• Copy o f cont ract

For EE I

• Assu red ’ s name

• Address

• Natu re o f bus iness

• Te r r i to r ia l /Geograph ica l l im i t s

( fo r mobi le equ ipment )

• L i s t o f e lect ron ic equ ipment to be in su red

• Sum in su red

(va luat ion—rep lacement cos t—new)

CA SUALTY& L IABIL ITYINSURANCE

Casua l t y I n su rance i s cove rage fo r los s

a r i s i ng f rom unexpected event s such as

acc ident s, wh i le L iab i l i t y I n su rance p rotect s

aga ins t c la ims due to neg l igence resu l t i ng

to bodi l y i n j u r y o r p roper ty damage.

COMPREHENSIVEGENERALL IABIL ITY

protect s the in su red agains t lega l l iab i l i t y fo r

p roper ty damage o r bodi l y i n j u r y a r i s i ng out

o f the owner sh ip, ma in tenance, o r use o f the

p rem i ses and a l l t he operat ions that a re

necessa r y o r i nc identa l to the bus iness

(p rem i ses operat ions )

The coverage may be extended to inc lude:

• E levato r s /Esca lato r s L iab i l i t y—answer s

fo r lega l l iab i l i t y o f the assu red fo r the

owner sh ip, ma in tenance, o r use o f any

e levato r /esca lato r

• I ndependent Cont racto r s—answer s fo r lega l

l iab i l i t y due to operat ions pe r fo rmed fo r

t he in su red by independent cont racto r s

• Product L iab i l i t y—protect s the in su red fo r

lega l l iab i l i t ie s that may occu r fo r p roducts

manu factu red, so ld, o r d i s t r ibu ted that

cause bodi l y i n j u r y o r damage to the i r

cus tomer s

• Employe r ’ s L iab i l i t y I n su rance—protect s the

i n su red f rom lega l l iab i l i t y to pay damages

because o f bodi l y i n j u r y by acc ident o r

d i sease, i nc lud ing death o f an emp loyee o f

the in su red a r i s i ng out o f and in the cou r se

o f emp loyment

• Automobi le L iab i l i t y I n su rance—protect s the

i n su red f rom lega l l iab i l i t y to pay damages

because o f bodi l y i n j u r y o r p roper ty

damage to th i rd par t ies caused by

an occu r rence and a r i s i ng out o f the

owner sh ip, ma in tenance, o r use—inc lud ing

load ing and un loading—of any automobi le

• Food and Dr in k s L iab i l i t y—pays fo r the

i n su red ’ s lega l l iab i l i t y fo r bodi l y i n j u r y o r

i l l ness d i rect l y caused by food po i son ing

( l iqu ids i nc luded) o r the p resence o f

de le te r ious mat te r s i n such food o r d r i n k s

CRIMEINSURANCE

PROPERTYFLOATER

INSURANCE

INFORMATIONREQUIRED

FOR PROPERCOVERAGE

• Money In su rance—pays fo r los s o f money

and secu r i t ies i n s ide and out s ide (money

rou tes ) the assu red ’ s p rem i ses, due to

robber y o r bu rg la r y

• F ide l i t y Guarantee—cover s aga ins t act s o f

d i shones ty f rom emp loyees and non-th i rd

par ty en t i t ies

cover s p roper ty i n su red agains t mate r ia l

damage and loss on s i te and wh i le

in t rans i t

• Assu red ’ s name

• Locat ion o f p roper ty

• Te r r i to r ia l /Geograph ic l im i t s

• Natu re o f bus iness

• Type o f cover to be app l ied

- L iab i l i t y

- C r ime in su rance

- Proper ty f loate r

• Sum in su red/L im i t o f l iab i l i t y

• F loo r a rea occup ied

• L i s t /Desc r ip t ion o f p roper ty i n su red—

fo r f loate r

• Secu r i t y sy s tem/Manner o f conveyance—

fo r money in su rance and f loate r

• L i s t o f regu la r emp loyees/

Pos i t ion—fo r f ide l i t y guarantee

• Loss h i s to r y

COMPREHENSIVEMOTORCARINSURANCE

Comprehens i ve Moto rcar I n su rance p rov ides

fu l l p ro tect ion fo r a l l damages and losses

to the in su red veh ic le, i nc lud ing l iab i l i t ie s

that may be incu r red fo r i t s u se.

OWNDAMAGE

cover s to ta l los s o r par t ia l damage to you r

ca r, sub ject to the l im i t o f l iab i l i t y as s ta ted

in the po l icy, f rom the fo l low ing causes :

by acc identa l co l l i s ion o r ove r tu rn ing, f i re,

l igh tn ing, ex te rna l exp los ion, se l f - ign i t ion,

ma l ic ious act s by othe r s, and damage

sus ta ined wh i le i n t rans i t

pays fo r los s o f veh ic le sub ject to the l im i t

o f l iab i l i t y, as s ta ted in the po l icy, and/or i t s

dec la red accesso r ies such as rad io, s te reo,

a i r -cond i t ione r s, tape deck, mag whee l s, and

equa l i ze r s

• Volun ta r y Th i rd Par ty L iab i l i t y—prov ides you

w i th Excess Th i rd Par ty Bod i l y I n j u r y on top

o f the Compu l so r y Th i rd Par ty L iab i l i t y

(CPTL) requ i red by law, p lus Th i rd Par ty

Proper ty Damage p rotect ion

• Passenger Pe r sona l Acc ident—coverage

fo r 5 per sons o r more the seat ing capac i t y

o f the veh ic le, i nc lud ing the d r i ve r, wh i le

board ing, a l igh t i ng f rom, o r r id ing in the

i n su red veh ic le

• Acts o f God—coverage agains t natu ra l

pe r i l s such as t yphoons, f loods, ea r thquakes,

vo lcan ic e rupt ions, and othe r act s o f natu re

• R iot, S t r i ke, and C iv i l Commot ion—extens ion

to cover los s o r damage to in su red veh ic le

due to r io t, s t r i ke, and c iv i l commot ion

THEFT

INFORMATIONREQUIRED

FORPROPER

COVERAGE

• Assu red ’ s name

• Locat ion ( i .e. Luzon, V i sayas, M indanao)

• Types o f cover to be app l ied

• Desc r ip t ion o f un i t

• Fa i r mar ke t va lue

• Sum in su red/L im i t o f l iab i l i t y

• Mor tgagee, i f app l icab le

• Loss h i s to r y

MARINE CARGOHULL & AVIATION

INSURANCEMar ine Cargo In su rance i s cove rage agains t

los s o f o r damage to in -t rans i t ca rgo ove r

wate r ways, land, and a i r. Mar ine Hu l l I n su rance

i s i n su rance p rotect ion agains t los s o f o r

damage to a sh ip. Av ia t ion In su rance i s

i n su rance coverage fo r a i rc ra f t s and fo r

the damage, i n j u r y, o r los s o f l i fe.

Marine Cargo Insurance covers against

loss or damage to cargo due to: f i re,

exp los ion, s t rand ing, g round ing and s in k ing

o f vesse l , ove r tu rn ing o r de ra i lment o f land

conveyance, co l l i s ion w i th any ex te rna l

ob ject, d i scharge o f ca rgo at a par t o f

d i s t res s, ea r thquake, vo lcan ic e rupt ion o r

l igh tn ing, genera l ave rage sac r i f i ce, je t t i son,

wash ing ove rboard, wate r damage, to ta l los s

o f package wh i l s t load ing onto o r un loading

f rom vesse l o r c ra f t, and expenses i ncu r red

to m in im i ze loss.

Marine Hu l l Insurance i s insurance

coverage for the sh ip or vesse l ’ s hu l l

such as : los ses due to to ta l los s o f the vesse l

o r expenses due to repa i r o r damages to the

vesse l ’ s hu l l , mach ine r y, o r equ ipment ; los ses

due to the vesse l be ing m i s s i ng ; vesse l ’ s sha re

in los ses, expenses, and cont r ibu t ion a l lowed

in genera l ave rage; necessa r y and p roper l y

i ncu r red expenses fo r the sa lvage o f the

vesse l ; and necessa r y and reasonable

expenses fo r p revent ing, m in im i z ing the los s,

o r asce r ta in ing i t s ex ten t. The coverage

ex tends to cover : los s o f h i re, war r i s k s,

and p rotect ion and indemn i t y fo r th i rd

par ty l iab i l i t y.

INFORMATIONREQUIRED

FOR PROPERCOVERAGE

Aviat ion insurance covers the ai rcraf t

against the phys ical loss or damage dur ing

i t s f l ight, tax i ing, wh i l s t being moored,

grounded, w i th rotors in mot ion, and

wi th rotors not in mot ion/ ingest ion. The

coverage extends to cover : lega l l iab i l i t y

to th i rd par t ies fo r bodi l y i n j u r y i nc lud ing

death, and acc identa l damage to p roper ty

a r i s i ng out o f the in su red ’ s operat ion and/or

owner sh ip o f the a i rc ra f t ; passenger lega l

l iab i l i t y fo r bodi l y i n j u r y and/or p roper ty

damage to passenger s wh i l s t board ing,

a l igh t i ng f rom, o r t rave l l i ng in the a i rc ra f t ;

and p i lo t pe r sona l acc ident i n su rance.

• Assu red ’ s name

• Voyage rou te

• F requency o f voyage

• Type o f cover to be app l ied

- Cargo

- Hu l l

- Av ia t ion

• Deta i l s o f vesse l /A i rc ra f t

• Conveyance

• Geograph ica l l im i t

• Sum in su red

• Mor tgagee, i f app l icab le

• Loss h i s to r y

BONDSBonds a re in s t rument s o f guarantee that w i l l

secu re compl iance and per fo rmance o f

an ob l igat ion o r an under tak ing requ i red

by law o r cont ract.

CLA SSIF ICATIONOF BONDS

Contractor ’ s Bond: cove r s cont ract s fo r

cons t ruc t ion and eng ineer ing, as we l l as

supp ly, de l i ve r y, i n s ta l la t ion, and se r v ice

cont ract s

• B id bond

• Pe r fo rmance bond

• Guarantee bond

Customs Bond: an under tak ing where in

the p r i nc ipa l and the su re ty b ind themse lves,

mu tua l l y and seve ra l l y to pay the Bu reau

of Cus toms, i f t he fo rmer fa i l s to per fo rm

i t s under tak ing

• Sh ipment bond

• Impor t /Expor t bond

• Cus toms b roke r ’ s bond

• Warehous ing bond

• Po r te rage bond

• A r ras t re bond

J ud ic ia l Bond: requ i red by cou r t s o f j u s t ice

or admin i s t ra t i ve bodies c lo thed w i th

quas i - j ud ic ia l power s i n connect ion w i th

j ud ic ia l p roceedings conducted befo re them

• Admin i s t ra to r ’ s bond

• Rece ive r bond

• A t tachment bond

• I n j unct ion bond

• Super sedeas bond

• He i r ’ s bond

• Ba i l bond

Guarantee Payment Bond: an under tak ing

to guarantee the payment o f money in

accordance w i th law o r cont ract

•Prom i s so r y note bond

•Su re ty bond

•Deale r agreement

•Sa les agreement

•Lease agreement

INFORMATIONREQUIRED

FOR PROPERCOVERAGE

License and Permi t Bond: requ i red by the

government to guarantee compl iance w i th the

te rms and cond i t ions o f a l icense and perm i t

g ranted to operate a par t icu la r bus iness o r

exe rc i se a par t icu la r p r i v i lege

• F i she r y bond

• Schoo l bond

• B roke r ’ s bond

• F i rea rm bond

• Imm ig rat ion bond

Fidel i ty Bond: under takes to indemn i f y the

emp loye r aga ins t los s o f money, secu r i t ies,

and othe r p roper ty, resu l t i ng f rom any

f raudu len t o r d i shones t act commi t ted by

any o f h i s emp loyees whethe r act ing a lone

or i n co l l u s ion w i th o the r s

For Partnersh ips/Corporat ions

• Company documents

( FS/ ITR/company p ro f i le, e tc. )

• Cont ract agreement

For Indiv idual/S ingle Propr ietorsh ip

• Bus iness pe rm i t /FS/ ITR

• Cont ract agreement

For Judic ia l Bonds

• Cou r t dec i s ion/Order /Reso lu t ion

SPECIALTYCOVERAGE

OF D&O,S&T/POLIT ICAL

VIOLENCE, STP, ETC.

STAND-IN IMAGE

DIRECTORSAND OFFICERS

LIABIL ITYINSURANCE

COVERAGE

D&O Insu rance cover s you fo r pe r sona l

l iab i l i t y that a r i ses f rom you r management

o f a corporat ion/ foundat ion/assoc iat ion .

I t a ims to p rotect you r pe r sona l asset s when

you a re a l leged to have made w rongfu l

act ions o r dec i s ions.

The Insured

• Pas t, p resent and fu tu re d i recto r s

and o f f ice r s o f the company

• Pos i t ion be ing he ld at the t ime

the act was commi t ted

• D i recto r s and o f f ice r s o f the company

and i t s subs id ia r ies (except fo r subs id ia r ies

w i th a separate cover )

• D i recto r s i n a f f i l ia te compan ies but on l y

those rep resent ing the in te res t o f the

i n su red company and i t s subs id ia r ies ;

does not cover d i recto r s o f o the r

sha reho lder s

• Ret i red d i recto r s cover i n case o f

non- renewal o r non- rep lacement o f po l icy

Wrongfu l Act

• A l legat ion o r Actua l

• B reach o f du ty, B reach o f t r u s t, Neg lect,

E r ro r, M i s s ta tement, M i s lead ing s ta tement,

Omi s s ion, B reach o f war ran ty o r au tho r i t y

o r Othe r act done o r w rong fu l l y a t tempted

by any d i recto r o r o f f ice r

• Capac i ty as d i recto r /o f f ice r

Claims Made Pol icy – i nd icates that

the w rong fu l act shou ld be w i th in the

po l icy pe r iod

• Date commi t ted

• Date d i scovered

• Date repor ted to in su re r

Retroact ive Cover

• Fu l l : c la ims -made po l ic ies that e l im inate

cove rage fo r c la ims p roduced by w rong fu l

act s that took p lace p r io r to a spec i f ied

date, even i f t he c la im i s f i r s t made du r ing

the po l icy pe r iod ; f rom the date o f the

company ’ s i ncorporat ion ( sub ject to

i n su re r ’ s approva l )

• I ncept ion date: f rom the incept ion date

o f the f i r s t po l icy i s sued

Known Acts and Ci rcumstances –

means i n su red ’ s

• Duty to d i sc lose

• Pr io r to po l icy pe r iod o r cont inu i t y date –

not covered

Loss that the insured may incur,

the D&O pol icy w i l l pay for :

• Damages awarded o r j udgments en te red

• Set t lement s negot ia ted w i th the in su re r ’ s

consent

• Lega l cos t and expenses awarded vs.

t he in su red but on l y i n connect ion w i th

a j udgment wh ich i s cove red in accordance

w i th the po l icy te rms

• De fense cos t ( i nc lud ing de fense cos t

fo r emp loyment- re la ted/ labor cases )

Claims Made Pol icy – i nd icates that

the w rong fu l act shou ld be w i th in the

po l icy pe r iod

• Date commi t ted

• Date d i scovered

• Date repor ted to in su re r

Retroact ive Cover

• Fu l l : c la ims -made po l ic ies that e l im inate

cove rage fo r c la ims p roduced by w rong fu l

act s that took p lace p r io r to a spec i f ied

date, even i f t he c la im i s f i r s t made du r ing

the po l icy pe r iod ; f rom the date o f the

company ’ s i ncorporat ion ( sub ject to

i n su re r ’ s approva l )

• I ncept ion date: f rom the incept ion date

o f the f i r s t po l icy i s sued

Known Acts and Ci rcumstances –

means i n su red ’ s

• Duty to d i sc lose

• Pr io r to po l icy pe r iod o r cont inu i t y date –

not covered

Loss that the insured may incur,

the D&O pol icy w i l l pay for :

• Damages awarded o r j udgments en te red

• Set t lement s negot ia ted w i th the in su re r ’ s

consent

• Lega l cos t and expenses awarded vs.

t he in su red but on l y i n connect ion w i th

a j udgment wh ich i s cove red in accordance

w i th the po l icy te rms

• De fense cos t ( i nc lud ing de fense cos t

fo r emp loyment- re la ted/ labor cases )

PROFESSIONALINDEMNITY

INSURANCE

Pro fess iona l I ndemn i t y cover s the per son o r

consu l tan t p rov id ing adv ice o r o the r se r v ices

that a re exposed to c la ims o f a “ p ro fess iona l

l iab i l i t y ” natu re.

Pro fess iona l s requ i re cover to p rotect them

agains t the potent ia l f i nanc ia l bu rden o f

l i t igat ion and to he lp p rotect the reputat ion

o f the i r p ract ice, the i r i n teg r i t y, and the i r

pe r sona l asset s.

Why i s P I cover needed?

I f a par ty su f fe r s f i nanc ia l los s a f te r re l y i ng on

the adv ice o f a p ro fess iona l , he/she may have

the r igh t to sue fo r the loss.

Cover fo r lega l cos t s and expenses a re

impor tant, as l i t igat ion invo lv ing p ro fess iona l s

i s o f ten complex .

I t i s c ruc ia l that p ro fess iona l s have access to

spec ia l i zed and qua l i t y lega l rep resentat ion

to sa feguard the i r i n te res t s and reputat ion in

the mos t e f fect i ve way.

Scope of Cover

He lps p rotect p ro fess iona l s aga ins t lega l

l iab i l i t y fo r b reach o f p ro fess iona l du ty i n

the conduct o f the i r p ro fess iona l bus iness

p ract ice.

Claims – po l icy cover c la ims f i led agains t

d i recto r s and o f f ice r s

• On ly the d i recto r /o f f ice r i s p ro tected.

Does not cover the company l iab i l i t y.

Opt ions to inc lude En t i t y / Company L iab i l i t y

fo r Emp loyment Pract ices and Secu r i t ies

C la ims on ly (under s tand-a lone D&O Po l icy ) .

• Admin i s t ra t i ve p roceedings – lega l

compu l s ion to at tend ; de fense cos t cover ;

no w rong fu l act but an inqu i r y i s conducted

e.g . i nqu i r ies conducted by government

agenc ies.

• C iv i l p roceedings – both de fense cos t

and award o f damages regard less o f

the outcome o f the case

• Cr im ina l p roceedings

- I n case o f acqu i t ta l – de fense cos t

c la imab le agains t the po l icy

- I n case o f conv ic t ion – de fense cos t

shou ld be re tu rned to the in su rance

company as c r im ina l act s cannot be

i n su red

D&O Insurance Coverage Benef i t s

• Pro tect s the per sona l asset s o f the d i recto r s

and o f f ice r s and those o f the i r spouses and

es ta tes.

• Pro tect s the ba lance sheet o f the company.

• A t t ract s and re ta ins qua l i f ied out s ide/

i ndependent d i recto r s.

• Ensu res funds a re ava i lab le fo r the de fense

o f the d i recto r s and o f f ice r s when the

company ’ s resou rces a re not ava i lab le.

SABOTAGE ANDTERRORISM/

FULL POLIT ICALVIOLENCE

COVER

• Cos t s o f I T exper t s :

- To dete rm ine the ex ten t o f damage

o f e lect ron ic data due to a b reach

o f data secu r i t y

- Cos t o f res to r i ng, rec reat ing,

o r reco l lect ing los t /co r rupted data

- Rev iew reason o f b reach and f i x the sy s tem

• Cyber ex to r t ion – ex to r t ion los s pa id to end

a secu r i t y th reat agains t the in su red

• Networ k i n te r rupt ion – cos t i ncu r red and

los s o f net i ncome as a resu l t o f networ k

i n te r rupt ion o r c loud fa i l u re

Cyber Cr ime Insurance Cover :

• The cos t s o f fo rens ic exper t s to es tab l i sh

what data was s to len f rom wh ich ind iv idua l s

• The cos t s o f not i f y i ng the m i l l ions o f

i nd iv idua l s whose data had been s to len

• The cos t o f c red i t mon i to r i ng fo r the

a f fected ind iv idua l s to make su re they

su f fe red no ongoing losses a f te r the

i n fo rmat ion the f t

• The cos t s o f a lega l b reach coach

to p repare the bus iness fo r i nves t igat ion

• The cos t o f rep resent ing and defend ing

the bus iness i n the ensu ing lega l act ion

that was b rought agains t them

• The cos t s o f PR consu l tancy to adv i se

and gu ide the f i rm w i th i t s ex te rna l med ia

commun icat ions concern ing the event

Provides cover for :

• Set t lement s

• Compensato r y damages

awarded agains t i n su red

• Lega l cos t s and expenses assoc iated

w i th de fend ing lega l act ions

Major Categor ies of Profess ions Covered

• Accountant s

• A rch i tect s and Eng ineer s

• Bus iness Process Outsou rc ing (BPO)

• Data P lus

• I n su rance B roke r s

• Management Consu l tan t s

• Mu l t imed ia

• Proper ty Managers

• Rea l Es ta te Agents

• Rec ru i tment Agent s

• So l ic i to r s /Lawyer s /Lega l

• Te lecommun icat ions

Protect ion agains t b reach o f con f ident ia l

i n fo rmat ion .

• Prov ides p rotect ion agains t c la ims

due to b reach o f con f ident ia l cus tomer s ’

i n fo rmat ion (pe r sona l and corporate

i n fo rmat ion) .

• Prov ides fees, cos t s, and expenses fo r lega l

adv ice in connect ion w i th an inves t igat ion

by the Data Protect ion Autho r i t y.

P ro tect ion agains t Cyber A t tacks

• Reputat ion p rotect ion – cos t s i n repa i r i ng

company ’ s and ind iv idua l ’ s reputat ions

• Not i f icat ion and mon i to r i ng cos t s – cos t s

due to requ i red d i sc losu re o f data b reach

CYBER CRIMEINSURANCE

SUMMARYOF COVERAGE

UNDERSTANDINGTHE R ISK

Terror i sm and Sabotage Cove r

Cover s los s o r damage caused by

the fo l low ing :

• Act o f Te r ro r i sm - means an act o r se r ies

o f act s, i nc lud ing the use o f fo rce o r

v io lence, o f any per son o r g roup(s ) o f

pe r sons, whethe r act ing a lone o r on beha l f

o f o r i n connect ion w i th any o rgan izat ion( s ) ,

commi t ted fo r po l i t ica l , re l ig ious, o r

ideo log ica l pu rposes i nc lud ing the in ten t ion

to in f l uence any government and/or to put

the pub l ic i n fea r fo r such pu rposes.

• Act o f Sabotage - means a subver s i ve act

o r se r ies o f such act s commi t ted fo r

po l i t ica l , re l ig ious, o r ideo log ica l pu rposes

i nc lud ing the in ten t ion to in f l uence any

government and/or to put the pub l ic i n fea r

fo r such pu rposes.

Fu l l Pol i t ical V io lence

Cover s los s o r damage caused by

the fo l low ing :

• Act o f te r ro r i sm

• Sabotage

• R io t s, s t r i kes, and/or c iv i l commot ion

• Mal ic ious damage

• I n su r rect ion, revo lu t ion, o r rebe l l ion

• Mut iny and/or coup d ’é tat

• War and/or c iv i l wa r

The re a re va r ious de f in i t ions o f what i s

i nc luded in a th roughput p rogram.

The b roades t wou ld be:

The Mar ine S tock Th roughput I n su rance

Program i s an a l l - i nc lu s i ve po l icy cover ing

goods f rom the t ime an assu red assumes an

in te res t i n the goods un t i l t he i r i n te res t ceases.

“ Th i s i n su rance he reunder a t taches f rom

the t ime the sub ject mat te r becomes at the

Assu red ’ s r i s k o r the Assu red assumes in te res t

and cont inues wh i le the sub ject mat te r i s i n

Trans i t and/or i n S to re, on Exh ib i t ion o r

e l sewhere, i nc lud ing wh i le he ld as S tock

and/or a t the Assu red ’ s S to res and/or Out le t s

and/or i n Conso l idat ion/Deconso l idat ion

Po in t s and/or Process ing. Assembly,

Renovat ion, and Repai r whethe r o r not

i n the due cou r se o f t rans i t. ”

Cradle-to-Grave Coverage: Th i s w i l l i nc lude

ocean t rans i t s (a i r o r vesse l ) and in land

t rans i t s a t p rocesso r s, warehouses, exh ib i t ions

o r t rade shows, and re ta i l locat ions.

What i s a Stock Throughput?

• Goods in t rans i t

• Goods in s to rage o r p rocess ing

• Reta i l locat ions

• One compos i te ra te agains t sa les /

o r a combined approach w i th f la t

s to rage p rem ium

• And more…

What Property i s covered in a

Stock Throughput?

• Raw goods and f i n i shed goods

• Goods in p rocess /p rocess ing

• “ Goods o f a l l k i nd ”

• Pe r sona l p roper ty

• Bu i ld ing coverage

• Bus iness i n te r rupt ion/ cont ingent b i

• Sa lesman ’ s samp les

• Exh ib i t ion

• New ly acqu i red locat ions

STOCKTHROUGHPUT

INSURANCE

Where i s Property covered in a

Stock Throughput?

• Wor ldw ide coverage

• I n su red ’ s own locat ion

• Reta i l locat ions

• Warehouse, p rocess ing locat ions, and DCs

• Exh ib i t ions

• Unnamed locat ions

• Th i rd par ty locat ions

Benef i t s o f a Throughput

• A s ing le a l l - i nc lu s i ve wor ldw ide po l icy

cove r ing goods, whethe r f i n i shed

o r o the r w i se, i n t rans i t o r o the r w i se,

on an A l l R i s k bas i s .

• Coverage fo r goods in s to rage/detent ion/

p rocess ing w i thout t ime l im i ta t ions.

• Po l icy ra te agains t sa les.

Th i s i s a “Non- repor t i ng ” Po l icy.

• Low deduct ib les on goods

i n s to rage/detent ion .

• L im i t s o f l iab i l i t y fo r s to rage/ invento r y

i n excess o f $100 m i l l ion per locat ion

ava i lab le.

• Coverage inc lus i ve o f w inds to rm,

f lood, and quake.

• Compet i t i ve ra t ing.

• Goods a re in su red agains t “ Se l l i ng Pr ice ” .

• Loca l f ron t ing po l ic ies ava i lab le

i f /when requ i red.

OTHERSERVICES

STAND-IN IMAGE

EMPLOYEEBENEFIT

PLAN DESIGN

INSURANCEPOLICY AUDIT

AND RISKMANAGEMENT

CLAIMSMANAGEMENT

At Tr i n i t y, we don ’ t s imp ly o f fe r you

“ i n su rance”—we c reate p rograms that a re

at ten t i ve and re levant to the needs and

exper iences o f you r bus iness.

We beg in w i th a tho rough rev iew o f you r

ex i s t i ng po l ic ies and dete rm ine i f cove rage

i s app l icab le and l im i t s a re adequate.

Cos t-e f fect i veness and c la ims h i s to r y

a re l i kew i se taken in to cons ide rat ion,

wh ich a re a l l facto red in to ou r f i nd ings

and recommendat ions.

Fa i r, respons ive, and t ime ly c la ims se t t lement i s

the corne r s tone o f a t ru l y e f fect i ve in su rance

p rogram. To at ta in th i s, we p rov ide you

w i th un l im i ted c la ims adv i so r y, documentat ion

ass i s tance, coord inat ion w i th ad jus te r s

and f i na l negot ia t ion w i th i n su re r s.

HMO& SHIPOWNER ’S

HEALTHCAREPROGRAMS

FOR SEAFARERSHMO or Hea l th Main tenance Organ izat ion

i s a hea l thcare de l i ve r y sy s tem that p rov ides

comprehens i ve hea l thcare and se r v ices fo r

i t s members. I t i s respons ib le fo r the payment

o f an in su red ’ s med ica l expenses, docto r ’ s

fees, hosp i ta l i za t ion, c l i n ic v i s i t s, and othe r

med ica l ca re such as outpat ien t consu l ta t ion

and d iagnos t ics.

The Sh ipowner ’ s Hea l thcare Program fo r

Seafa re r s i s a spec ia l i zed type o f hea l thcare

coverage des igned to cate r to sh ipowner s ’

requ i rement s i n p rov id ing HMO coverage fo r

i t s F i l ip ino seafa re r s when they a re at home

in the Ph i l ipp ines w i th in the i r HMO coverage

po l icy cont ract, as we l l as fo r the i r

dependents.

UNDERWRIT INGREQUIREMENTS

With Ex i s t ing P lan

• Copy o f the cont ract /Schedu le o f bene f i t s

• 9 months u t i l i za t ion repor t

• L i s t o f emp loyees and dependents w i th date

o f b i r t h , c i v i l s ta tus, and cu r ren t p lan cover

• B roke r s on Record (BOR)

Vi rg in Account

• Pre fe r red p lan benef i t s, i f poss ib le

• L i s t o f emp loyees and dependents w i th

date o f b i r t h , c i v i l s ta tus

• B roke r s on Record (BOR)

GROUP TERM L IFE& PERSONALACCIDENT INSURANCE

A year l y renewable te rm l i fe i n su rance,

i t pays the face amount o f the po l icy i n case

a member o f the g roup d ies due to natu ra l

and acc identa l causes w i th in the coverage

per iod ( te rm) .

Th i s po l icy l i kew i se indemn i f ies the in su red

in case o f pe rmanent d i sab i l i t y

o r d i smemberment.

STANDARDLIFE INSURANCE

COVERAGE

STANDARDGROUP

PERSONALACCIDENT

INSURANCECOVERAGE

UNDERWRIT INGREQUIREMENTS

FOR PROPOSALGENERATION

UNDERWRIT INGREQUIREMENTSFOR PROPOSAL

GENERATION

Group Year ly Renewable Term

L i fe Insurance (L IFE)

• 24-hou r coverage agains t los s o f l i fe

due to natu ra l o r acc identa l causes

• I n su rance p rotect ion w i thout

geograph ic l im i t s

• Max imum p rotect ion at the leas t cos t

Benef i t R ider

• Acc identa l Death and D i smemberment

(AD&D)

• Tota l and Pe rmanent D i sab i l i t y I ncome

Bene f i t (TPD IB)

• Te rm ina l I l l ness Bene f i t (T IB )

• Bu r ia l Bene f i t

• Acc identa l Medica l Re imbu r sement

With Ex i s t ing P lan

• Copy o f the cont ract /Schedu le o f bene f i t s

• U t i l i za t ion repor t fo r the pas t 3 year s

• L i s t o f emp loyees and dependents w i th

date o f b i r t h , c i v i l s ta tus, gender, amount o f

i n su rance, pos i t ion/ job leve l

• B roke r s on Record (BOR)

Vi rg in Account

• Pre fe r red p lan benef i t s, i f poss ib le

• L i s t o f emp loyees and dependents

w i th date o f b i r t h , c i v i l s ta tus, gender,

pos i t ion/ job leve l

• Natu re o f bus iness

• B roke r s on Record (BOR)

Accidental Death and Dismemberment

(AD&D) Benef i t R ider

• Bu r ia l Bene f i t

• Acc identa l Medica l Re imbu r sement

With Ex i s t ing P lan

• Copy o f the cont ract /Schedu le o f bene f i t s

• U t i l i za t ion repor t

• L i s t o f emp loyees and dependents w i th

date o f b i r t h , c i v i l s ta tus, gender, amount o f

i n su rance, pos i t ion/ job leve l

• Natu re o f bus iness

• B roke r o f appoin tment

Vi rg in Account

• Pre fe r red p lan benef i t s, i f poss ib le

• L i s t o f emp loyees and dependents

w i th date o f b i r t h , c i v i l s ta tus, gender,

pos i t ion/ job leve l

• Natu re o f bus iness

• B roke r s on Record (BOR)

GROUP MEDICALINSURANCE

Group Medica l I n su rance i s a t rad i t iona l

med ica l scheme w i th an opt ion fo r e i the r

cash less ava i lment o r c la ims re imbu r sement.

Each benef i t has i nne r l im i t s and p ro fess iona l

fees because su rg ica l cases a re sub ject

to Re lat i ve Un i t Va lue.

UNDERWRIT INGREQUIREMENTSFOR PROPOSAL

GENERATION

Basic and Major Medical Benef i t

• Room and board

• Phys ic ian v i s i t

• Su rg ica l fee per schedu le o f operat ion

• Anes thes io log i s t fee 35% o f e l ig ib le

su rgeon ’ s fee

• M i sce l laneous hosp i ta l expenses

• Spec ia l i s t ’ s fee

• Nu r se ’ s fee

Out-Pat ient Benef i t s

• Consu l ta t ion per v i s i t

• Laborato r ies and d iagnos t ics

• Medic ines

Dental Benef i t s (opt ional)

• Ora l exam inat ion

• Ora l p rophy lax i s

• Gum p rob lem consu l ta t ion

• S imp le tooth ex t ract ion

• Tempora r y f i l l i ng

• Ad jus tment / repa i r o f dentu res

• Denta l hea l th educat ion and consu l ta t ion

Annual Phys ical Examinat ion (APE)

(opt ional)

With Ex i s t ing P lan

• Copy o f the cont ract /Schedu le o f bene f i t s

• 9 months u t i l i za t ion repor t

• L i s t o f emp loyees and dependents w i th

date o f b i r t h , c i v i l s ta tus, gender,

amount o f i n su rance

• B roke r s on Record (BOR)

Vi rg in Account

• Pre fe r red p lan benef i t s, i f poss ib le

• L i s t o f emp loyees and dependents w i th

date o f b i r t h , c i v i l s ta tus, gender,

pos i t ion/ job leve l

• B roke r s on Record (BOR)

TRAVELINSURANCE

Trave l I n su rance indemn i f ies los ses and

damages agains t t rave l i nconven iences e i the r

domes t ica l l y o r i n te rnat iona l l y. I t l i kew i se

cover s repat r ia t ion in case o f death wh i le on

t rave l and remunerates the in su red ’ s ident i f ied

dependent i n case o f acc identa l death .

The most common r i sks that are covered

by t ravel insurance

• Medica l expenses

• Emergency evacuat ion/ repat r ia t ion

• Tr ip cance l la t ion/ in te r rupt ion

• Acc identa l death, i n j u r y,

o r d i sab lement bene f i t

• Over seas fune ra l expenses

• Tr ip cu r ta i lment

• F l igh t de lay

• Loss, t he f t, o r damage to per sona l

possess ions and money

( i nc lud ing t rave l documents )

• De layed baggage (and emergency

rep lacement o f essent ia l i tems )

• Lega l ass i s tance

• Pe r sona l l iab i l i t y

and ren ta l ca r damage excess

• App l icant ’ s name

• Pe r son/s to be in su red

• I t i ne ra r y

• Depar tu re dates

• A r r i va l dates

• Pre fe r red amount o f i n su rance

UNDERWRIT INGREQUIREMENTSFOR PROPOSAL

GENERATION

HOSPITALINCOME

INSURANCEHosp i ta l I ncome In su rance i s a coverage

that p rov ides a da i l y moneta r y cash benef i t

to an in su red sub ject to a deduct ib le l im i t

i n case o f hosp i ta l con f i nement.

UNDERWRIT INGREQUIREMENTSFOR PROPOSAL

GENERATION

Appl icable to accounts w i th ex i s t ing p lan

and v i rg in accounts

• Pre fe r red schedu le o f bene f i t s

(w i th deduct ib le )

• Headcount o f en ro l lees

• Natu re o f bus iness

• B roke r s on Record (BOR)

OTHERSERVICES

STAND-IN IMAGE

cus tom izat ion o f i n su rance p rograms

acceptab le both on a loca l and in te rnat iona l

se t t i ng. Output i s based on the c l ien t ’ s

p re fe r red ex ten t o f coverage and budget.

a rev iew o f ex i s t i ng in su rance po l icy

cond i t ions and p rov i s ions that i nc lude the

s tudy o f bene f i t l im i t s aga ins t ident i f ied r i s k s,

as we l l as p rem ium and c la ims h i s to r y fo r

poss ib le upgrade, downgrade, o r ove rhau l .

a se r v ice in wh ich we rev iew and fac i l i ta te

the p rocess ing o f c la ims f i led by the c l ien t

w i th the in su rance company fo r a fa i r and

respons ive se t t lement.

a se l f - f unded hea l thcare p rogram where in

we in te rna l l y admin i s te r u s ing the networ k o f

hea l thcare p rov ide r s. The se r v ice i s des igned

fo r la rge compan ies w i th a wor k fo rce o f 500

o r more emp loyees and i s adv i sab le fo r

compan ies, regard less o f s i ze, w i th

a favorab le c la ims los s and ra t io.

a hea l th p romot ion act i v i t y des igned

to inc rease p roduct i v i t y, boos t mora le,

and reduce s t res s the reby reduc ing hea l th

care cos t s.

EMPLOYEEBENEFITS

PLAN DESIGN

INSURANCEPOLICY AUDITS

CLAIMSMANAGEMENT

THIRD PARTYADMINISTRATION

WELLNESSPROGRAM

DEVELOPMENTAND

MANAGEMENT