For Store Owners and Entrepreneurs.

Powered by Mapfre Spain, Philippines and Insular Life.

Find the right insurance solution for your business. We have business establishment insurance that protects your business assets. We also offer FREE additional benefits such as personal accident, general liability, and money insurance coverages.

Business Establishment Insurance

Business Establishment Insurance with FREE Benefits

Business establishment insurance best for entrepreneurs and tenants who want to secure their businesses against loss or damage. Establishments covered under this package include offices, clinics, restaurants, retail stores, and beauty salons. This comprehensive insurance provides protection for business assets including the building and improvements and its contents such as equipment, furniture, fixtures, fittings and other stocks and comes with FREE benefits such as Fire Fighting Expense, Removal of Debris among others. (Please see Comparative Table of Coverage and Benefits for complete details.)

The perils covered by our Business Establishment Insurance are:

Fire and Lightning
Riot, Strike and Malicious Damage
Explosion, Smoke, Falling Debis and Vehicle Impact
Earthquake
Flood*
Typhoon
Bursting or Overflowing of Water Tanks and Pipes
Broad Water Damage
Sprinkler Leakage

*Note: For listed areas only. Available upon inquiry.

Establishment Insurance

Why Choose MAPFRE Insurance for my Business

Discover why San Josè and Partners powered by MAPFRE Business Establishment Insurance is the preferred option of entrepreneurs.

Apart from all the benefits provided by our Business Establishment Insurance Silver and Gold, both packages have a SPECIAL FEATURE, the Total Loss Allowance. This allowance benefit is paid 7 days after extablishment of liability after a total loss to help you rebuild your business. This benefit is given ON TOP OF the proceeds you will get from the coverage provided in the package.

Schedule an Appointment >

Benefits	Business Establishment Insurance	Business Establishment Insurance wtih Additional Benefits
Plate Glass Cover - pays for damages to plate glass	up to Php 5,000	up to Php 5,000
Automatic Increase - covers increase in value due to new and additional acquisition of property	10%, 60 days	10%, 60 days
Fire Fighting & Extinguishing Expense - fire fighting expenses to prevent or minimize the extent of any destruction of or damage to the insured property including cost of material.	up to 5% of sum insured with a maximum amount of Php 100,000	up to 5% of sum insured with a maximum amount of Php 100,000
Professional Fees - surveyor's, architect's, legal & consulting engineer's fees for reinstatement or damage to the insured property/ies	up to 5% of sum insured with a maximum amount of Php 100,000	up to 5% of sum insured with a maximum amount of Php 100,000
Removal of Debris - cost of removal of debris of the property following damage or destruction by fire or by other insured perils.	up to 5% of sum insured with a maximum amount of Php 100,000	up to 5% of sum insured with a maximum amount of Php 100,000
Temporary Removal - protection of property insured whilst temporarily removed from the premises for the purpose of cleaning, renovating, repair or other similar purposes	up to Php 100,000	up to Php 100,000
Robbery	X	10% of the contents with a maximum amount of Php 500,000
Money Insurance - covers loss of money kept within the business premises including money in transit from the premises to the bank and vice versa	X	Php 50,000/occ and Agg (Ded. Php 5,000 each and every loss)
Group Personal Accident - cover may be extended to employees in case of Accidental Death and Disablement Medical Reimbursement Burial Expense	X	(Maximum of 10 regular named employess) Php 50,000, Php 5,000, Php 5,000, Aggregate of Php 500,000
Comprehensive General Liability (Premises Operations Only)- Provides cover for liability to third parties who may suffer injury or property damage within the premises. It also provides cover for: Fire and Explosion Liability Tenants Legal Liability Premises Medical Payments Food and Drinks Poisoning (for restaurants only)	X	5% of Property Damage SI max of Php 1M whichever is lower (Ded. 10% of the loss, min Php 5,000 for Third Party Property Damage) Php 100,000, Php 5,000 per person, Php 100,000 Agg
Electronic Equipment Insurance	X	Php 250,000 Aggregate (Ded. 10% of actual value or Php 5,000 whichever is higher)

Powered by Insular life | Pioneer | Oona Insurance

Establishment Insurance

Why Choose us?

Additional Benefits

Comparative Table of Coverage and Benefits

Our Partner Institutions

Useful Links

Personal Solutions

VIP Solutions

Corporate Services

Visit us