Philam Insurance Package- FOOD & BEVERAGE

CREATE A RECIPE
SUITABLE TO YOUR NEEDS.

For restaurant customers, the dining experience begins and ends with the host staff. In the food service industry, operators continually must find ways to provide a different experience for their customers. No one would doubt the importance of food safety in restaurants. To fall-short on a food safety program will certainly create a recipe for potential disaster. Risk exposures vary with each type of business. It’s not a one-size fits all problem and a one-size fits all solution may not help.

Tailored to suit F&B operations such as restaurants, cafes, coffee shops, food court/stalls and bakeshops.

With My Business, My Choice: Food and Beverage, you get the ultimate insurance protection!

We offer four plan options for you to choose from, select the plan most suitable to your needs.

Plan I – Standard Cover Basic

Covers your property against fire and lightning, smoke and water damages brought about by fire

Plan II – Standard Cover Comprehensive

Plan I benefit, PLUS:

• Earthquake
• Typhoon
• Extended Coverage (smoke damage, falling aircraft, explosion, vehicular impact)
• Riot, Strike & Malicious Damage (RSMD)
• Burglary and Robbery cover up to P100,000

Plan III – Food & Beverage Package Basic

Fire & Lightning

Burglary & Robbery 
Pays for loss of your stocks, merchandise, furniture, machinery or  equipment from  

burglary or robbery including resulting damage to your property
Limit of Liability: 100,000.00
Deductible: 10% each and every loss, minimum of P5,000

Money insurance
Pays for loss of cash or payroll money and other securities by robbery and burglary

Inland Transit Coverage

Pays for loss or damage to your stocks or merchandise while being transported.

Limit of liability: 55,000.00

Deductible: 1,000 each and every loss

Accidental Breakage of Fixed Glass/Signage
Pays for loss or damage to fixed glass walls and signage caused by accidental breakage
Limit of Liability: 20,000.00
Deductible: 1,000 each and every loss

Personal Accident Coverage
Compensates four (4) named employees for accidents resulting to bodily injury or death including medical reimbursement

Limit of Liability: 50,000.00 each

 10,000.00 Medical Reimbursement

Plan IV – Food & Beverage Package Comprehensive

This cover provides an extension to your Food & Beverage Insurance Package Plan III Benefit, PLUS:

• Earthquake
• Typhoon
• Extended Coverage (smoke damage, falling aircraft, explosion, vehicular impact)
• Riot, Strike & Malicious Damage

FREE COVER!

Debris Removal – covers costs and expenses incurred in removing debris if the property is destroyed by fire and any other perils insured against – up to Php 100,000 

Special Emergency Allowance – awards the Assured within seven days from establishment of liability 15% of the sum insured maximum of Php 300,000 upon incident of a total loss. This is in addition to the sum to be determined after assessment of claim.

Exclusions: Plan III & Plan IV excludes occupancies such as bars, male/female entertainment centers, outside catering services, discos and nightclubs


Room 202 Erlag Bldg., 102 Esteban St.,
Legaspi Village, Makati City
Phone numbers: 8932285 / 8938790
Fax: 8935334
E-mail: paj546@hotmail.com
YM: paj.resources