Business Care Advantage Insurance

In business, hard work and ingenuity are key pillars of success. But don?t forget foresight ? your ability to gear up for the challenges of the future and ride out even during inopportune times. As you reach your goals and race to the top, safeguard your enterprise against perils that can damage or totally wipe out everything you have worked hard for.

Be prepared always, invest on BPI/MS? Business Care Advantage Insurance Now!

BPI/MS designed this insurance package specifically for Small Medium Enterprise (SME) owners. It is loaded with a wide range of coverage protecting the business from possible hazards, financial loss, and destruction.

With BPI/MS? Business Care Advantage Insurance backing you up, you can securely focus on driving your business to success.

Why choose Business Care Advantage?

BCA is strategically designed with a combined protection for all major properties and liability risks in one package. With BCA, you will have 5 insurance in one policy paying only one price.

BCA includes the following coverage:

Property or Fire Insurance

Protects your business from

·         Fire & Lightning (Sum Insured from Php 1,000,000 to Php50,000,000)

·         Earthquake, Typhoon, Flood (including Explosion), Falling Aircraft, Vehicular Impact, Smoke Damage

·         Bursting and/or Overflowing of Water Tank, Apparatus or Pipes (extends to include loss of or damage to the property of insured)

·         Plate Glass ? maximum of Php25,000 Limit of Liability

·         Burglary and Robbery ? maximum of Php100,000 Limit of Liability (Subject to submission of list of items)

Comprehensive General Liability Insurance

Covers business-related legal worries in relation to third party claim for Bodily Injury and/or Property Damage due to accidents arising out of the Insured?s business operations or within the business? premises.

Aggregate Limit of Liability: Php1,000,000

Extensions:

·         Fire & Explosion Legal Liability

·         Tenant?s Liability

·         Independent Contractor?s Liability

·         Sub-Contractor?s Liability

·         Advertising & Signage Liability

·         Food & Drink Liability up to Php10,000 per person (maximum of Php100,000 per occurrence)

·         Premise Medical Payments up to Php5,000 per person (maximum of Php100,000 per occurrence)

Group Personal Accident Insurance

Provides monetary benefit for the insured and his employees in the event of accidental death or dismemberment arising within the period of insurance. Coverage includes Accidental Death and Disablement as well as Medical Reimbursement and Burial Expense Benefit to four (4) named regular employees up to the following:

·         Accident Death and Disablement up to Php50,000 per employee

·         Accident Medical Reimbursement up to Php5,000 per employee

·         Burial Expense up to Php2,500 per employee

(Subject to additional premium in excess of four (4) declared named regular employee/s.)

Comprehensive Money and Securities Insurance

Compensates for loss of money and securities (up to maximum of Php25,000 per occurrence and Annual Aggregate) stored within insured business premises due to Burglary or Robbery. In addition, this cover will also respond to loss of money-in-transit from the business premises to the bank and vice-versa due to robbery.

Business Interruption (optional cover)

Protects business owners or Insured against losses or damages to their income or profit caused by fire or other covered perils in the policy.

Coverage and inclusions are subject to the terms and conditions of the actual Business Care Advantage Insurance policy.