·        WHAT THE POLICY COVERS

·        INSURED PERILS

·        OPTIONAL COVERAGE

 This Policy covers:

A.     LOSS OF OR DAMAGE TO THE BUILDING OR TO THE CONTENTS 
     Pays the Insured, Building owner or tenant, who owns or is responsible for Loss of or damage to the insured property caused by fire, lightning, all Perils of nature, extended cover, riot, strike, civil commotion, malicious Damage, burglary and water damage, Also pays for loss of or damage to contents temporarily removed for maintenance or repair up to 15% of Contents Sum Insured, mirrors, interior decorations, sanitary fixtures/fittings, servant’s property up to Php5,000, alternative accommodation or loss of rent up to 10% of Building Sum Insured, professional fees up to Php50,000, debris removal up to 15% of Building Sum Insured and valuables up to 33% of Contents Sum Insured limited to 5% of Contents Sum Insured per item.

B.     FAMILY PUBLIC LIABILITY FOR RESIDENT TENANT OR OWNER
     Protects Insured against legal liability claims arising from the premises Resulting to bodily injury and/or property damage to third parties up to a limit of Php500,000 any one event. Additional benefits are servant’s Medical payments up to Php5,000 and too include litigation expenses and costs.

     Optional Coverage:  Family premises only liability cover can be increased to Php1m and can be changed to Family Philippines-wide liability cover up to Php2M.

C.     24-HR. WORLDWIDE FAMILY PERSONAL ACCIDENT
     Covers accidental bodily injury resulting to death or permanent total disablement with a medical or funeral expenses benefit with initial free 1 unit of benefit of Php100,000 for each insured and spouse.

       Optional Coverage: Additional units may be added up to a maximum of Five (5) units. 

D.     OPTIONAL ALL RISKS COVER FOR PERSONAL PROPERTIES
     Covers “All Risk” loss or damage to personal effects & valuables up to a maximum of 2x insured value of building and/or content On & Off premises Philippines-Wide or Worldwide based on option/s taken.

In the Philippines OMNI is an active member of: American Chamber, Canadian Chamber, European Chamber,
Australian-New Zealand Chamber, Lighthouse Club, Le Club, British Business Association, Makati Rotary Club, Manila Elks Club.