RISK ANALYSIS AND IDENTIFICATION

We conduct detailed studies of risks to identify perils to which you, your valuables, your company, and your employees are exposed and offer suitable insurance coverage to properly and adequately address these exposures.

INSURANCE PROGRAM

Upon determination of your risk exposures, we design the most comprehensive and cost-efficient insurance package to protect your personal assets, real properties, or human resources.

INSURANCE MANAGEMENT

We conduct a cyclical review of your insurance programs, re-evaluate risks based on your exposures’ current dynamics and enhance your insurance coverage as and when necessary.

CLAIMS MANAGEMENT RESOLUTION & SETTLEMENT

To ensure that your claims are settled equitably and expeditiously, our highly competent team will readily attend to your concern. We represent you in the negotiations of claims. In case of dispute, our prime goal is to protect your interest at the most reasonable terms.

Products designed to protect your assets.

MOTOR VEHICLE

• Compulsory Third Party Liability (CTPL)
• Comprehensive Cover
• Excess Third Party Liability (for vehicles 15 years old & up)

FIRE & ALLIED LINES

• Residential Risks
• Commercial All Risk
• Industrial All Risk
• Warehouse Risk

MARINE & AVIATION

• Marine Hull
• Aviation Hull
• Marine Cargo
• Pleasurecraft
• Aircraft Liability
• Freight Forwarders Liability
• Protection & Indemnity (P&I)

ENGINEERING

• Construction All Risk (CARI)
• Erection All Risk (EAR)
• Electronic Equipment All Risk (EEI)
• Boiler/Machinery Breakdown

NON- JUDICIAL BONDS

• Construction Bond
  • Surety (Downpayment) Bond
  • Performance Bond
  • Warranty Bond
• Fidelity Bond
• General Transporation Bonds (Custom Bonds)
• Others

LIABILITY

• Comprehensive General Liability
• Professional Indemnity (PI)
• Errors and Omissions (E&O)
• Directors and Officers Liability (D&O)
• Offshore Liability Insurance

MISCELLANEOUS CASUALTY

• Money Insurance
• Trade Credit Insurance
• Cyber Risk Insurance
• Fidelity Guarantee
• Equipment /Merchandise Floater Risk
• Golfers

OMNI Officesafe is a comprehensive insurance policy specially designed to provide optimum protection for your business.

OMNI Officesafe offers enhanced coverage options tailor-fitted to suit your needs. It is perfectly designed for all types of offices at a very low and competitive cost.

Most importantly, OMNI Officesafe protects your income-generating assets and ensures your peace of mind against life’s unpleasant surprises.

POLICY COVERAGE

Property Damage resulting from:

• Fire &/or Lightning
• Earthquake Fire /Shock
• Typhoon, Hurricane, Cyclone, Windstorm
• Flood, Tsunami
• Volcanic Eruption
• Extended Coverage (Explosion, Aircraft, Vehicle, and Smoke)
• Riot, Stike, Malicious Damage
• Windstorm, Hurricane, Cyclone, & Thunderbolt
• Broad Water Damage including Busting and/or Overflowing of Water Tanks, Apparatus & Pipes (where applicable)
• Landslide & Subsidence
• Robbery and/or Burglary (including damage to building/Premises resulting therefrom)

Extension of Cover

• Comprehensive General Liability
  • Fire and Explosion Legal Liability
  • Premises Medical Payments
• Personal Accident Insurance
• Business Interruption (Optional Cover)

Products designed for individuals and companies invested in health and wellbeing.

• HEALTHCARE PROGRAMS
  • Individual/Group Health Maintenance Organization (HMO)
  • Medical Reimbursement Insurance
  • Daily Hospital Income (DHI)
  • Third-Party Administration (TPA)

• MIGRANT WORKERS LIFE & MEDICAL REPATRIATION LIFE INSURANCE
  • Individual Life – Group Yearly Renewable Term (GYRT)
  • Mortgage Redemption Insurance (MRI)
  • Credit Life
  • Whole Life
  • Endowment Plan
  • Term Life

• PERSONAL ACCIDENT
  •  Individual/Group Personal Accident
  • Travel Personal Accident
  • Student Personal Accident

Enjoy full protection anytime you travel.

Product Features and Benefits

Personal Accident

Travelling away from home comes with risks brought about by unfamiliarity with people and places. Travel Master provides benefits for accidental injury or loss of life.

Emergency Medical Treatment

In the event of accidental injury or sickness, this policy provides cashless hospitalization for medical emergencies.

Personal Liability

The thrill of being in a new and exciting place can sometimes mislead a person to be carefree. Under Personal Liability cover, expenses which the insured will be liable for due to damage to third party property or injury to third parties can be recovered from the policy.

Recovery of Travel Expenses

In the event of unexpected events necessitation cancellation or premature termination of the trip, irrecoverable deposits or charges paid in advance can be reimbursed from the policy.

Travel Inconvenience Benefits

To address hassles that sometimes come with travelling, the Travel Master policy provides benefits for loss, delay, or damage to baggage, loss of travel documents, damage or loss of laptop, loss of cash due to robbery, strikes or hijacking, and flight delay.

Value-Added Features

The Policy also comes with insurance cover for damage to a rented car. Accidental injury sustained from trying out a new sport or engaging in an adventure activity is also covered.

COVID-19 Cover

Exclusively for International flights only.

Accidents, road mishaps, and other detrimental incidents happen even to the most competent driver. Wouldn’t it be great to have a sense of security and peace of mind while enjoying the rides? OMNIBike is a cost-effective insurance policy designed by OMNI for motorbikes 400cc and above.

Policy Coverage

• Partial/ Total Damage/Theft
• Acts of Nature
• Excess Third-Party Liability Coverage
  • Bodily Injury
  •  Property Damage
• Auto Passenger Accident (Driver Only)

Other Products

• Compulsory Third-Party Liability

OMNICar is a cost-effective insurance policy that provides optimum protection to one of your important investments – your car. The package keeps your car safe upon acquisition of your insurance, assuring that you get the best out of your coverage in the event that you will need to file your claims.

Policy Coverage:

• Partial/Total Damage/Theft
• Acts of Nature (optional cover)
• Excess Third-Party Liability
  • Bodily Injury
  • Property Damage
• Auto Personal Accident
  • Accidental Death and Disablement
  • Medical Expenses
• Loss of Use (Optional Cover)

Additional Benefits

• Emergency Towing Assistance up to Php4,000
• Minor On-site Repairs
• Vehicle Removal
• Hotel Accommodation Assistance
• Emergency Message Assistance
• Critical Information Referral
• Ambulance Assistance (for vehicles not more than 10 years)
• Hassle-free Vehicle Repair
• Waiver of Depreciation – for vehicles up to 5 years old

OTHER PRODUCTS

• Compulsory Third-Party Liability (CTPL)
• Excess Third-Party Liability (Combined Single limit for vehicles more than 15 years old up)

OMNI offers OMNIHome, a cost-effective insurance policy to protect your home from accidents, damages, and other risks.

OMNIHome is customized depending on your needs. Recommended for both homeowners and leaseholders/tenants, its coverage includes your house and everything in it to ensure the best protection for your home in the event of life’s unpleasant surprises.

POLICY COVERAGE

Property Damage resulting from:

• Fire &/or Lightning
• Earthquake Fire /Shock
• Typhoon, Hurricane, Cyclone, Windstorm
• Flood, Tsunami
• Volcanic Eruption
• Extended Coverage (Explosion, Aircraft, Vehicle, and Smoke)
• Riot, Stike, Malicious Damage
• Windstorm, Hurricane, Cyclone, & Thunderbolt
• Broad Water Damage including Busting and/or Overflowing of Water Tanks, Apparatus & Pipes (where applicable)
• Landslide & Subsidence
• Robbery and/or Burglary (including damage to building/Premises resulting therefrom)

Extension of Cover

• Comprehensive Personal Liability/Civil Liability
  • Fire and Explosion Legal Liability
  • Premises Medical Payments
• Family Personal Accident Insurance
• All-Risk Cover for Valuables (Optional Cover)