Marine Cargo Insured Perils

Marine Cargo Insured Perils

Pacific Union’s Margo Cargo Insurance is designed to protect you from the financial risk of transporting goods via land, sea, and air. But what exactly are these dangers and how do we define them? Here, then, are the Marine Cargo Insured Perils for everyone’s reference.

Perils of the Sea


Collision occurs during physical impact between two ships which results in a damaging accident. At the same time, it can also occur between a ship and a stationary object such as an iceberg or a port. 


Fire is defined as direct fire loss or caused by fire or lightning attributed to negligence. This includes damage done by measure to extinguish the fire. (ex. Water damage)


This happens when forced by accidental causes to take ground and stay aground within a reasonable time. 


A shipwreck is when a vessel is driven to shore by violent winds and/or waves that cause destruction or loss of the said vessel. 


Occurs when vessel is filled with water and sinks.


This refers to the throwing of a ship’s cargo or gear as a measure to preserve the ship and cargo from loss in time of common danger. 


Barratry is defined as every wrongful act willfully committed by the master and crew to the prejudice of the owner of the ship, or the owner of the cargo. 

Pirates, Rovers & Thieves

Finally, rovers and pirates are persons without legal commission who plunder vessels indiscriminately on the high seas. Thieves refer to the persons who use violence to commit robbery. This does not include ordinary theft or pilferage. 

In-Land Perils

Basic Coverage

In-Land Basic Coverage covers multiple perils which include:

  • Accident fire whether internal explosion or self-ignition
  • Lightning
  • Explosion
  • Collision
  • Overturning or upset of the conveyance
  • Collapse or subsidence of bridge
  • Flood
  • Storm
  • Cyclone
  • Mishandling during actual loading and unloading
  • Breaking into conveyance whilst conveyance is parked overnight

Robbery & Thievery (Extension)

Robbery is defined as the felonious act of taking property through the use of violence and intimidation. On the other hand, thievery refers to the unlawful or violent seizure by armed persons of the scheduled conveyance.

Support Education Program

Support Education Program

Pacific Union believes in its core values and among them is the values of Continuous Excellence and Empowerment. For the former, we believe in performing to the best of our ability, always striving to process and produce our work with the best standards. For the latter, on the other hand, we believe in our workforce – where each member of the team is valued and inspired to work as a collective whole.

And so one of the latest innovations created by Pacific Union’s management was to create a program that would help our Head Office – one that would teach them various skills and insights that could help them both in their personal and professional space.

This led to the creation of the Support Education Program: Pacific Union’s monthly training designed to foster each member of the team into becoming the best they can be. These sessions take place every Friday and once a month where over the course of two hours, a highly qualified instructor teaches our team different lessons and skills. This is an optional yet highly informative seminar, covering topics such as customer service, time management, Ikigai, and many more.

As a bonus to our Head Office, the seminar provides food and drinks while there is a raffle every session. There is even a grand prize given to a select few who manage to attend every session of the Support Education Program. In short, the 2023 SEP was a big success for Pacific Union – gathering different members of our various departments where they have been imparted with invaluable information.

This 2024, Pacific Union continues the Support Education Program, this time with the goal of a more holistic approach and a broader range of topics. This year’s SEP will be covering topics such as the Victor vs. Victim Mindset, customer service etiquette, and more to come that will surely be a huge help to every member of the team.

Benefits of Marine Cargo Insurance

Benefits of Marine Cargo Insurance

In the Philippines, there was a reported PHP 738.68 million in losses incurred for maritime and aviation insurance last 2020. Because of this, the need for marine cargo Insurance in the country has never been more necessary. 

Risk Mitigation

Marine cargo Insurance has been helpful in reducing risk and mitigating the financial risks associated with transporting goods via sea, air, or land. It provides coverage for potential losses or damages to cargo, vessels, and other assets due to accidents, natural disasters, and other covered perils.

Legal Compliance

Across international areas, many countries and trade agreements require marine cargo insurance as a legal requirement for shipping goods. By being protected through marine cargo insurance, you ensure compliance with these regulations and can help prevent delays or legal issues during the shipping process.

Financial Protection

All parties involved in maritime activities such as shipowners, cargo owners, freight owners, and more are protected through marine cargo insurance. In the event of losses or any unforeseen accidents, your insurance policy will aid you through indemnification by helping your business recover financially and continue operations without significant interruptions. 

Different Types

At Pacific Union, we offer a wide range of marine cargo insurance policies. These range from voyage policies, time policies, open policies, and more. To learn more about our service, contact us today! 

Holy Week Safety Tips

Holy Week Safety Tips

The Holy Week is here! Not only is it a time for prayer and remembrance of Christ’s sacrifice, it is also the time where everyone gets their long-awaited break. As one of the major events in the Philippine calendar, getting together with your family and traveling with your loved ones is a given during Holy Week but there can be obstacles along the way. 

We at Pacific Union would like to share some helpful travel tips for you and your loved ones this Holy Week as we invite everyone to pray, reflect, and have a safe and meaningful rest. 

Share Wisely

One of the most powerful communication tools in this day and age is social media. It has given us a window for others to take a peek at our lives and has allowed us to stay in touch with followers and friends. 

But as users, we have the responsibility to post wisely as oversharing information can compromise not just our privacy but even our safety. And so this Holy Week, use all social media platforms wisely and refrain from posting unnecessary details. 

Secure Your Property

Before heading out for your journey, make sure that your property is secured. Ensure that your doors, windows, and gates are closed and locked to prevent the possibility of theft. At the same time, secure your kitchen appliances such as stoves and other electric sockets to avoid potential accidents such as fires. 

Gather Essentials

Ready all the things you’ll be needing for your trip whether it’s a valid ID, your ticket, and other essentials such as medicine and chargers. Make sure to have them ready early and to pack light for a much more convenient travel.

Stay Informed

One of the most important ways to prepare for your trip is knowing all relevant information. We encourage everyone to keep up-to-date whether it’s traffic advisories, your flight/ticket number, and all other details that you will need for your journey.

Arrive Early

As the Holy Week is the time for vacation for most Filipinos, expect heavy traffic and lots of people during your departure. Whether on the road or on the air, we recommend that you and your loved one leave at an earlier time to avoid unwanted delays to your vacation.

Last but not least, from all of us at Pacific Union, we’d like to wish everyone a safe and meaningful Holy Week. 

Common Causes of Fire

Common Causes of Fire

Pacific Union’s Fire Insurance is here to protect you and your family against accidents arising from fire, lightning, earthquakes, typhoons, and more! While our policy can help you protect what matters most, there are still different everyday causes of why fire-related incidents occur. Here, then are some of the most notable causes of fire and how you and your loved ones can prevent an incident. 

Electrical Wiring

Improper connections, poor electrical wiring, and substandard cables can lead to sparks that may cause fire to your home. No matter the condition of these wires, do not take direct action and hire the proper professionals to assess and ensure that your wires are safe and secure.

Unattended Kitchen

Another common cause of fire is an unattended kitchen. The kitchen is home to several appliances from ovens, stoves, and other cooking appliances. Should they be left unattended, it can lead to fire-related accidents which is why whether staying at home or about to leave, make sure that all your kitchen appliances are turned off.

Cigarette Butts

Cigarettes as well as ashtrays can lead to potential danger to your property should you place them in easily burnt places. Because of this, make sure not to smoke in places like your bed, near flammable objects, or to put it simply, just make sure to smoke in designated areas. 

Flammable Substances

As the name implies, flammable substances can cause fire and common examples include alcohol, gasoline, and acetone. Make sure never to place these substances near heat sources, keep them out of reach from children and pets, and store them in a cool ventilated area in tightly sealed containers.

LPG Tanks

Finally, another major cause of fire-related incidents is LPG Tanks. To prevent accidents, always handle them with care and ensure they are not filled to the brim to allow for the expansion of liquid.

To learn more about how you can get protected from fire-related incidents through Pacific Union’s Fire Insurance, contact us today. 

Benefits of Fire Insurance

Benefits of Fire Insurance

Last 2023, the Bureau of Fire Protection (BFP) recorded a 21.1% increase in fire-related incidents in the Philippines. And as everyone knows, fire is one of the deadliest hazards out there which makes the need to be protected even more urgent than ever.

So in commemoration of Fire Prevention Month, Pacific Union would like to share the benefits of Fire Insurance for you and your loved ones. 

Property Protection

Fire insurance covers damage and loss caused by fire and lightning to your building, including contents, and personal belongings. This means that through fire insurance, even valuables destroyed by fire can be replaced.

With Pacific Union’s Fire Insurance coverage, you are ensured to be protected from losses like these which will help you recover financially. 

Financial Security

The cost of repairing your property during the event of a fire can be expensive and can leave a huge blow to your finances. 

Fortunately, Fire insurance provides financial security by covering these expenses such as the cost of construction, repairs, and replacing lost or damaged items. This saves policyholders from financial burden and gives them a peace of mind in case of a covered loss.

Allied Perils

In a fire insurance policy, Fire and Lightning are your standard coverage but aside from these, Pacific Union’s Fire Insurance can also include Allied Perils for more coverage and protection for you and your loved ones.

These include earthquakes, typhoons, floods, volcanic eruptions, riots, strikes, and malicious damage.

Contact us today and get your fire insurance coverage! 

Related Article:
BFP records 21.1 percent increase in fires in 2023

Motor Car Safety Tips

Motor Car Safety Tips

Being on the road can be a dangerous ride where anything can happen. And while Pacific Union’s Motor Car Insurance is here to protect you and your loved ones from different kinds of loss, we still would like to extend some friendly tips to keep you safe and sound while on the go. 

Wear Your Seatbelt

Whether at a complete stop or in motion, wearing your seatbelt is one of the best ways to secure yourself while inside your motor vehicle. It is one of the most effective safety features of any motor vehicle and can reduce injury and even prevent death. Make sure to wear your seatbelt at all times and secure your passengers whether at the side or at the back. 

Follow Traffic Laws

Traffic laws are here to protect us from the stoplight to road signs, as well as traffic enforcers. Regardless of the situation, it is a must that we follow these laws as they are here to protect us from hazards while on the road. Avoid aggressive behaviors such as speeding, reckless driving, and other maneuvers that increase the possibility of collisions. 

Maintain Your Vehicle

Ensuring that your motor car is properly maintained is a good step towards keeping safe. Measures such as regular check-ups, servicing your vehicle, and oil changes ensure your vehicle operates at its best. Make sure as well to check your brakes, taillights, and fluid levels to see if they are in optimum condition. 

Avoid Distractions

Another preventive measure to keep safe is to avoid all kinds of distractions while on the road. Activities such as eating, drinking, and using your cellular phone while driving all increase the possibility of a motor vehicle collision. Keep your hands on the steering wheel and stay alert at all times.

Drive Defensively

Practice defensive driving techniques which can aid you in avoiding potential hazards on the road. Keep a safe distance from vehicles in front of you, ensure you are always using your signal, and always remain alert when scanning potential dangers during your drive. Remaining on the defensive can make the difference between safety and potential harm.

Benefits of Motor Car Insurance

Benefits of Motor Car Insurance

According to the United Nations, 1 person dies every 24 seconds due to road accidents. In the Philippines alone, road accidents ranked 13th when it came to the cause of death of Filipinos nationwide last 2022. Transportation Secretary Jaime Bautista even reported there have been 11,000 individuals who have died from road accidents in the same year.

This is why here at Pacific Union, we would like to inform you the reasons why Motor Car Insurance is so important.

Financial Protection

Motor Car Insurance protects you from unforeseen events such as accidents, theft, vandalism, and more. It can cover the repair in case your vehicle is damaged and can even replace it in the event of theft or total loss.

By getting motor insurance, you will be protected from the financial burden of paying for the damage to your vehicle.

Peace of Mind

Knowing that your motor vehicle is covered can give you and your loved ones the peace of mind you deserve and a sense of security. Accidents can happen at any time and knowing you have motor car insurance can ease the fears of financial implications.

With it, you can drive with confidence knowing you are protected from the covered risks on the road.

Third-Party Liability

Third-party liability protects you financially from legal liabilities arising from damage caused by your vehicle. This coverage can help you pay for medical bills, legal fees, property damage repairs, and more.

Multiple Coverage

Pacific Union’s Motor Car Insurance plan will ensure that you and your family are protected from different kinds of losses. We cover Own Damage, Theft, Bodily Injury, Third-Party Damage, Personal Accident Ride, and Acts of Nature (AON). Contact us today so you too can protect what matters most.

Related Article:
DOTr raises concern over increase in deaths due to road accidents

Benefits of Non-Life Insurance

Benefits of Non-Life Insurance

In an unpredictable world, one of the best ways to secure you and what’s important to you is through insurance. Yet according to Insurance Commissioner Reynaldo Reglado, the Philippines only has 1.75% insurance penetration despite the numerous benefits it can provide. 

We at Pacific Union would then like to extend the various reasons why non-insurance is important and its advantages.

Protects You

Insurance coverage can help protect you and your family from the various hazards in life. Whether it’s a motor vehicle accident or a fire on your property, coverage can guard you from potential losses and help you navigate life with confidence.

One practical example is Motor Car Insurance. Said insurance aids policyholders avoid financial burdens by covering the costs associated with repairs, replacement, or liabilities. 

Manages Risk

Risk is defined as ‘uncertainty concerning loss.’

Non-life insurance manages said risk by transferring the financial burden and risk from the insured to the insurance company. Doing so will help you and your client against uncertainties and help mitigate potential losses. 

This also enables individuals and businesses to focus on their day-to-day activities without the repercussions of unforeseen events that could disrupt their financial stability.

Peace of Mind

Another advantage of non-life insurance is the peace of mind it can give to its clients. Just knowing that you have insurance coverage in and of itself can be a comfort for individuals and their respective businesses.

It reduces uncertainty whether it’s the fear of paying for a damaged vehicle or compensating for personal accidents. Insurance helps reduce that worry by indemnifying the assured of any covered loss.

Talk to Us

Finally, Pacific Union offers a wide selection of insurance products to protect you and what matters most.

From Motor Car Insurance, Fire Insurance, Engineering Insurance, Personal Accident, Cargo Marine, Surety Bonds, and more, our clients will rest assured that they will be protected from any covered loss.

Discuss with one of the insurance advisors to learn more.