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PERSONAL ACCIDENT INSURANCE

Life can change in an instant, but with PAFirst, you’ve got the shield you need against the unexpected.

With 24/7 worldwide coverage, PAFirst is your reliable partner every single day of the year. You can feel secure that you and your loved ones are protected from the financial burdens caused by injury, disability, and even death.

Trust the Philippines’ first insurer that has a long and unbroken tradition of protecting Filipino families to provide you peace of mind amidst uncertainties.

ENGINEERING INSURANCE

This insurance protects the contractor and the principal against loss or damage to materials and works in progress and accidents in the course of construction and/or installation of structures, machinery, equipment's, systems and processes.

The type of coverage are as follows:

  1. Contractors All Risk
  2. Erection All Risk (EAC)
  3. Machinery Breakdown (MB)
  4. Electronic Equipment Insurance (EEI)

MARINE & AVIATION INSURANCE

This insurance protects the insured (1) while on voyage for a period of time during which his property is exposed to maritime hazards, and (2) while on a trip of which his aircraft and/or its engines and accessories suffered physical loss or damage.

The three types of covers are as follows:

  1. Marine Cargo: This protects the insured against loss or damage to his goods while being transported from one location to another location whether import, export, inter-island, or inland cargo movements.
  2. Hull and Machinery: This protects the insured against damage to his ships or vessels, their hull, machinery and equipment including liability arising from collision.
  3. Aviation: This protects the insured against damage to his aircraft including his liability arising from the death or injury to the passengers and/or damage to its cargoes, mails, and baggage while on board.

MISCELLANEOUS CASUALTY INSURANCE

The specific protection under this type of insurance are as follows:

  1. Comprehensive General Liability Insurance: This protects the insured against liabilities due to bodily injury or damage to property of Third Parties arising from activities in connection with his business operations.
  2. Property Floater Insurance: This protects the insured against all risk of direct physical loss or damage to his property from any external cause.
  3. Money, Securities and Payroll Robbery: This protects the insured against loss of money, securities, or payrolls as result of robbery and brigandage or any attempt thereat whilst inside the premises or whilst in transit.
  4. Fidelity Guarantee Insurance: This protects the insured against financial loss due to acts of fraud or dishonesty by the insured’s employees.

SURETY INSURANCE

This is a contract or an agreement among three parties whereby a surety company (insurance company) guarantees the performance by an individual (Principal or Insured) of an obligation or undertaking in favor of another party (Obligee).

Examples of these bonds are:

  1. Performance Bonds
  2. Surety Bonds
  3. Bidders Bonds
  4. Judicial Bonds
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