MISCELLANEOUS CASUALTY

The most comprehensive in the market, Malayan's Home Protect gives you complete protection for you piece of property and/or its contents against fire and lightning, smoke damage, malicious damage, burglary or robbery, explosion, typhoon / flood, earthquake / fire and shock, vehicle impact / falling aircraft, bursting or overflowing of water tank, pipes and fittings.

It also offers you rent/rental value insurance. Should your house be rendered uninhabitable due to damage caused by any of the perils mentioned above, Home Protect will reimburse you for any necessary increase in living expenses so that your household can maintain a normal standard of living.

Home Protect gives you personal liability insurance by covering you and your household members against claims of third parties because of bodily injury and/or property damage caused by negligent act or omission.

Home Protect takes care of you, your spouse and your children by providing personal accident and hospitalization insurance. This protection is extended even to individuals under your employ (e.g. maids, cooks, helpers, drivers, gardeners, etc.). Plus other extra protection like Valuable Items Protection, Debris Removal Compensation, Architect and Surveyor fees and Transit Coverage.

Malayan Golfer's Insurance provides you, the golfer, total protection from liability to the public in case of untoward accidents. Expenses resulting from damage to third parties and their possessions will be immediately shouldered by Malayan. It also offers full coverage for loss and damage to golf clubs and equipment, accidental loss of life and limb plus medical expenses due to accidents and caddie's medical expenses. And when you finally score that hole-in-one, you are entitled to a blowout allowance.

This policy will pay to or on behalf of the insured all sums which the insured shall become legally liable to pay, by reason of liability imposed on the insured by law for compensation in respect of bodily injury or property damage.

This policy covers all risks of direct physical loss or damage from any injured property anywhere in the Philippines including while in transit (inland) except while on board watercraft or aircraft for the following: (1) heavy mobile equipment -- cranes, payloaders, forklifts, bulldozers, backhoe, cargo handling equipment (transtainers) and graders, (2) portable generators/ compressors, (3) properties in transit -- merchandise and equipment in transit (as cargo), (4) other types of properties -- artworks, jewelry, personal effects.

This policy covers loss by breakage of any glass up to the value of the glass at the time of the occurrence or the insured's estimate of value whichever is less.

Coverage for this insurance includes (1) damage -- other than fire -- to the boiler or pressure vessel and to other property of the insured, (2) liability for damage to property not belonging to the insured, and (3) liability on account of fatal or non-fatal injuries to any person or persons other than the insured's own employees or workmen or members of the insured's family.

This policy covers death or emergency slaughter, either due to accident or disease of the animal/s insured. Animals which can be covered are cattle (cows, wolves, goats, sheep, lambs) and swine (pigs, boars, sows).

This policy covers death of broilers, pullets or layers resulting from accident or disease at any time, including epidemics provided proper vaccination program has been carried out and veterinary certificate to the effect has been submitted, during the period of insurance.

This policy covers employees against any act or acts of fraud or dishonesty and will make good to the insured any financial loss (not exceeding for the sum set opposite the name of such employee in the schedule).

This policy indemnifies the insured against all sums for which the Insured shall become legally liable to pay as compensation for death or bodily injury and damage to properties of third parties.

This policy indemnifies the insured against any claim or claims for breach of duty as brokers, which may be against them during the period of insurance by reason of negligent act, error or omission committed by the insured or any person who has been, is now, or may hereafter during the subsistence of the policy be employed by the insured, in the conduct of any business conducted by or on behalf of the insured in their capacity as brokers.