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Insuring your home business against natural disasters

Nowadays, more and more people are embracing disaster preparedness as a way to not only ensure their safety but also to help mitigate the effects of natural calamities such as typhoons, floods and earthquakes, on their homes, workplace and other properties.

Keeping the house secured before, during and after a calamity is of prime importance, most especially for some Filipinos who have made a living out of a home business such as a sari-sari store, Internet shop, bakery, or canteen.

To help these micro-entrepreneurs and their home-based business prepare for any eventuality, Cebuana Lhuillier Insurance Solutions offers affordable micro-insurance products that will provide resources to help a business to get back on its feet after a tragedy.

The AllCare Alagang Cebuana Plus is a personal accident insurance coverage for only P25. It assures P20,000 accidental death, dismemberment and disablement coverage and P5,000 fire-cash assistance, valid for four months.

A Homecare Insurance can protect the business against damage to the home and other personal effects including furniture, fixtures, and fittings caused by fire, earthquake, typhoon or flood.

The Comprehensive General Liability Insurance provides coverage if the home-based business, its employees, products or services have caused bodily injury and property damage to a third party.

A Motor Car Insurance can provide comprehensive coverage for vehicles used to transport employees, products or equipment. This policy insures cars from damage, theft, excess third party liability (bodily injury and property damage) and Acts of God.

To further help micro entrepreneurs in their time of need, insurance claims can be filed and are paid out at any of Cebuana Lhuillier’s close to 2,000 branches nationwide. The company also has a claims processing facility backed up by Cebuana Lhuillier’s Pera Padala that allows Cebuana clients to receive their claims in cash in just 24 hours.