I. Construction All Risks Insurance

• General Requirements
  • Copy of CARI-Policy including Official Receipt
  • Copy of Contract Agreement
  • Copy of Notice of Award
  • Copy of Notice to Proceed
  • Copy of Bill of Quantities and/or Particulars
  • Copy of Plan and Specifications
  • Permits and Licenses
• Material Damage
  • Detailed Repair Estimates and/or Quotations supported by Sales Invoices and/or Purchase Orders and/or Delivery Receipts
  • Photographs before and after the loss
  • Accomplishment Report at the time of the Loss
  • Incident report and/or Technical Report prepared by the concerned personnel
  • Detailed Preventive Measures and/or Control Measures which were undertaken before the loss from the Contractor
• Third Party Liability – Property Damage
  • Incident Report prepared by concerned personnel including Control Measures on Failing Hazards from the Contractor
  • Notice of Claim from the involved Third Party/ies
  • Statement of Claim detailing the description, and cost of the items being claimed supported by Sales Invoices and/or Purchase Orders and/or Delivery Receipts and/or Quotations
  • Letter of Agreement between the Insured and the affected third party (if any)
  • Proof of settlement to the Third Party claimant (if any)
  • Complete Details of the Third Party Claimant
• Third Party Liability – Bodily Injury
  • Incident Report prepared by concerned personnel including Control Measures on Failing Hazards from the Contractor
  • Notice of Claim from the involved Third Party/ies
  • Medical Certificate/Original Receipts of Hospital Expenses/Medication or Consultation Fees
  • Letter of Agreement between the Insured and the affected third party (if any)
  • Proof of settlement to the Third Party claimant (if any)
  • Complete Details of the Third Party Claimant

II. Bonds

• Surety and Performance Bonds (OBLIGEE / PROJECT OWNER)
  • Copy of Surety Bond Policy with Official Receipt of Purchase
  • Copy of Signed and Notarized Indemnity Agreement
  • Notice of Claim
  • Notice of Termination received/signed by the Contractor
  • Resolution/Decision of the Contract Termination Review Committee recommending the termination of the principal of the contract
  • Copy of Contract Agreement
  • Copy of Notice of Award
  • Copy of Notice to Proceed
  • Copy of Bill of Quantities and/or Particulars
  • Copy of Plan and Specifications
  • Engineering Technical Report on the progress of the project
  • Progressive Photographs
  • Reconciled Accomplishment Report Between the Contractor and the Obligee
  • Proof of down payment in the forms of vouchers, copies of checks, and/or money transfers with receipt from the principal
  • Proof of payment in progressive billings, together with accomplishment reports attached to them from the contractor
  • List and cost together with the specification of all Materials/Tools/Equipment left at the project site of the Contractor
  • Summary of all events/circumstances leading to the end of the contract
  • Background documents of the contractor, together with the contact person and contact details
  • Take Over Contract, including the company profile of the new contractor
• Surety and Performance Bonds (CONTRACTOR / OBLIGOR)
  • Verified Position from the contractor
  • Reconciled accomplished work against the bill of particulars
  • Copy of Unbilled Detailed Progressive Billings
  • Copy of additional works; if any
  • Original bill of particulars versus applied materials, if any
  • All communication between the Obligee and the Contractor about the project
  • List and cost together with the specification, delivery receipt, and/or official receipt of all Materials/Tools/Equipment left at the project site
  • Summary of all events/circumstances leading to the end of the contract
  • Any other documents that you think may help strengthen further your counter-claim
• Warranty, Retention, and Guarantee Workmanship Bonds (BOTH PARTIES)
  • Copy of Warranty, Retention, Guarantee Bond Policy with Official Receipt
  • Certificate of Acceptance and/or Completion
  • Copy of Bill of Quantities and/or Particulars
  • Copy of Plan and Specifications
  • Final and Detailed Progress Billings
  • Copy of Defects Liability Period
  • Photographs of Defective Scope of Works
  • Detailed Repair Estimates and/or Quotations supported by Sales Invoices and/or Purchase Orders and/or Delivery Receipts
  • Demand Letter from the Obligee
  • Background documents of the contractor, together with the contact person and contact details

III. Fire, Commercial, Industrial, and Property All-Risks Policy

• General Requirements
  • Copy of Fire Policy including Official Receipt
    • Proof of insurable interest such as a copy of Declaration of Real Property and/or copy of Transfer Certificate of Title
  • Affidavit of Claim
    • date and time of loss
    • location of the insured property
    • extent of damage and salvage value
    • liens and encumbrances
    • for building claim, the year the building was constructed, and the original construction cost. State also the details of the renovations/improvements, if any.
    • nature of ownership of the property insured
    • any information relative to the loss
  • Barangay Certification
  • Fire Certification/Investigation Report issued by Bureau of Fire Protection (BFP), (if Fire Loss)
  • Forensic Report (for the large loss)
  • Business Permit and other government licenses to engage in the business, (for commercial property)
  • Valid IDs
• Building Claim
  • Detailed repair estimate/quotation for the affected building showing quantity and unit cost per item of work prepared by duly licensed Civil Engineer or Architect or Contractor to place the building in the same state/condition as before the loss
  • Floor Plans with Specifications of affected property
  • Lot Plan and Vicinity Plan
• Contents Claim
  • List of the affected household contents to include quantity, description, year of acquisition and replacement cost, and/or repair cost
  • Acquisition documents of the affected items such as sales invoices, purchase receipts, etc. If not available, please provide old photographs of these affected items contained inside the premises
  • Fixed asset schedule
• Stocks Claim
  • A detailed inventory of the articles damaged and undamaged stocks, showing the cost price of each, extent of loss, and salvage value
  • Proof of costing
  • Latest inventory of merchandise filed with the BIR
  • Copies of Income Tax Returns and Audited Financial Statement for the last three (3) years filed with the BIR.
  • Certification from suppliers
  • Registration papers
  • Purchase / Sales Invoices
  • Bank Statements
• Machineries and Equipment
  • A detailed list of the articles damaged or destroyed showing the cost price of each and the date acquired
  • records, invoices, receipts, if any.
  • detailed repair estimate or quotation if the items involved are repairable, or if already repaired, the actual cost of repair
  • Latest appraisal report, or property records, if any

IV. Personal Accident Claim (General Requirements)

• Submit only certified true copies except as indicated below
• Other requirements may still be required after initial review of submitted requirements
• Contestable claims are subject to investigation and will affect processing time

• Accidental Death and Dismemberment
  • Police Report or Accident Report
  • Death Certificate
  • Birth Certificate (insured and beneficiary/ries)
  • Marriage Certificate ( if married )
  • Funeral Receipts (if any )
  • Hospitalization Records and Official Receipts (if confined before death )
  • Pictures showing amputated parts (if any ) with the face shown
• Medical Reimbursement
  • Attending Physician’s Statement or Medical Certificate (original or certified true copy)
  • Police Investigation Report or Statement of Witness/es (original or certified true) Police Investigation Report or Statement of Witness/es (original or certified true copy)
  • Official Receipts for Medical Expenses (original only)
  • Picture of the disabled body part (for Disablement Claim only)
  • Hospital Records (photocopy only) (if available)
  • Original or Certified True Copy of Hospital Bill
  • Original Official Receipts Covering Payment of Hospital Bills as indicated in the Statement of Account
  • Original Professional Fee Receipt/s
  • Original Official Receipts of Medicines Bought Outside of the Hospital but within the Confinement Period only
  • Record of Operation or Admitting History with Discharged Summary
  • Traffic Accident Report Sketch (if the cause of hospitalization was due to a Vehicular Accident)
  • Photocopy of Driver’s License
  • Certificate of Employment or Company ID
• Personal Disablement
  • Personal Accident Claim Report Form – duly accomplished and signed
  • Attending Physician Statement or Medical Certificate (original or CTC)
  • Police Investigation Report and State of Witnesses (original or CTC)
  • Birth Certificate (original or CTC)
  • Official Receipts – for additional medical expenses (original copy)
  • Hospital Records – for amputation and operation performed by attending physician
  • Picture of Amputated/Affected Body Part/s of the Victim
  • Whole Body
  • Close shot of the affected body parts
  • Two (2) Government Issued IDs

V. Marine Cargo

• Incident Report / Irregularity Report
• Receiving Report of the end-user / cargo owner
• Claim Letter / Bad Order Certificate from the cargo owner
• Commercial Invoice & Packing List
• Bill of Lading / Waybill
• Delivery Receipt
• List of all the items to be delivered
• Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage
• Survey report or other documentary evidence to show the extent of the loss or damage
• Landing account and weight notes at the final destination
• Pictures of Damaged Items
• Statement of Claims with the figures

VI. Inland Marine

• Police Report / Accident Report
• Duly notarized affidavit of the driver/helper stating the facts and circumstances of the accident
• Hauling Contract ( for haulers )
• Packing List
• Sales Invoices
• Delivery Receipts
• Certificate of Registration and OR of the carrying vehicle
• Driver’s License and OR of the person driving the carrying vehicle

VII. Material and Financial Fidelity Claim

• Police Report
• Audit Report
• Documents in support of the audit report
• Certificate of employment of the involved employee
• Demand letter to the involved employee
• Complaints Filed in Court against the involved employee
• Certificate of Compensation withheld/due to the insured employee.
• other as may be needed…

VIII. Electronic Equipment Insurance

• Incident Report
• Police Investigation Report(for theft loss)
• Incident Report or Affidavit of assignee describing the details of loss
• Purchase Invoice(s) showing the price and specification of lost/damaged unit
• Equipment issuance slip duly acknowledged by the assignee, if applicable
• Quotation for the replacement of the lost/damaged unit
• Repair Quotation, Repair Invoice, and Official Receipts
• Diagnostic Report, if applicable
• Photographs

IX. Machinery Breakdown

• Original or Copy of the policy including warranties and clauses attached to it
• Insured’s report on the circumstances of the loss
• Pictures of the damaged property/ies
• Technical/Engineering Report & Analysis
• Detailed repair estimates
• Quotations from manufacturers/suppliers
• Copy of Contract Order/Agreement between insured and the contractor
• Other documents that may be required by the adjuster

X. Comprehensive General Liability Claim

• General Requirements
  • Claim Notification from the Insured to the Insurance Company indicating the following:
    • Date, time, and place or occurrence
    • Description of the occurrence or circumstances of the loss
    • Name, personal circumstances, and address of third-party claimant(s)
    • Name and address of witness
    • In the case of bodily injury, the nature of injury sustained and the name of the claimant who was treated and/or confined
    • In the case of property damage, the nature, photos, and estimate of damage
  • Pictures taken at the place of the Accident
  • Proof of ownership of the Insured Property/Premises
• For 3rd Party Bodily Injury Claim
  • If Medical Reimbursement Claim:
    • Hospital Statement of Account
    • Medical Certificate
    • Medical Abstract
    • Original Copy of Hospital/Medicine Official Receipts
    • Doctor’s Prescription
  • If Death Claim:
    • Death Certificate of Third-Party Victim
    • Valid IDs of Third-Party Victim
    • Valid IDs of Third-Party Beneficiary
    • Birth Certificate of Third Party Victim
    • Birth Certificate / Marriage Certificate from TP Beneficiary
• For 3rd Party Property Damage Claim
  • Certificate of No Claim (if vehicle’s involved)
  • If a claim arises from a contract, attach a copy of the contract
  • Attach a copy of the Police report, if available

XI. Motor Vehicle Insurance Claim

• General Requirements
  • Claim Notification from the Insured to the Insurance Company indicating the following:
    • Date, time, and place or occurrence
    • Description of the occurrence or circumstances of the loss
    • Name, personal circumstances, and address of third-party claimant(s)
    • Name and address of witness
    • In the case of bodily injury, the nature of injury sustained and the name of the claimant who was treated and/or confined
    • In the case of property damage, the nature, photos, and estimate of damage
  • Pictures taken at the place of the Accident
  • Proof of ownership of the Insured Property/Premises
• For 3rd Party Bodily Injury Claim
  • If Medical Reimbursement Claim:
    • Hospital Statement of Account
    • Medical Certificate
    • Medical Abstract
    • Original Copy of Hospital/Medicine Official Receipts
    • Doctor’s Prescription
  • If Death Claim:
    • Death Certificate of Third-Party Victim
    • Valid IDs of Third-Party Victim
    • Valid IDs of Third-Party Beneficiary
    • Birth Certificate of Third Party Victim
    • Birth Certificate / Marriage Certificate from TP Beneficiary
• For 3rd Party Property Damage Claim
  • Certificate of No Claim (if vehicle’s involved)
  • If a claim arises from a contract, attach a copy of the contract
  • Attach a copy of the Police report, if available

XII. Motor Car Claims

• Photocopy of LTO’s Certificate of Registration;
• Photocopy of LTO’s Official Receipt;
• Photocopy of valid Driver’s License ID, Official Receipt;
• Original Copy of the Police Report;
• Driver’s Affidavit of Loss, if required;
• Repair Cost Estimate issued by competent repair shop;
• In case of bodily injuries / death as a result of the accident: Medical Certificate/s, Hospital/Medical
• Receipts, Hospital’s Statement of Accounts / Death Certificate, Burial/Funeral Receipt, Funeral Contract;
• Pictures took at the actual scene of the accident; and
• Other documents related to the claim