Fire / Property Insurance

The biggest names in business entrusts Prudential Guarantee to shield their businesses from the unforeseeable event such as fires, floods, riots and even water leaks. You cannot control everything that might happen to your property. But you can protect yourself from loss or damage with the appropriate insurance coverage from a company you can depend on, Prudential Guarantee.

The Fire Insurance policy undertakes, for a premium and subject to conditions embodied in the policy contract, to pay or make good to the Insured the direct loss or damage to a particular property caused during a specific period by fire, lightning, or by other insured perils.

Buildings, either completed or under construction, as well as its contents (such as business or household furniture, fixtures, fittings and equipment, machinery, tools, spare parts, finished or unfinished stocks in trade, personal effects except money and jewelry, betterments and improvements) may be covered under the Fire Insurance.

Fire Insurance basically covers loss or damage to property caused fire and lightning. However, the coverage may be extended to include, among others, the following perils, subject to payment of additional premium:

  • Earthquake Fire / Shock
  • Typhoon
  • Flood
  • Riot, Strike and Malicious Damage
  • Extended Coverage (which includes the perils of smoke, explosion, falling aircraft and impact of vehicles)
  • Broad Water Damage
  • Sprinkler Leakage
  • Accidental Bursting and/or Overflowing of Water Tanks, Pipes and Apparatus
  • Landslide / Subsidence
  • Spontaneous Combustion
  • Robbery / Burglary

In addition, the Fire Policy can be broadened to include, among others, the following special conditions:

  • Automatic Increase / Capital Additions Clause
  • Professional Fees Clause
  • Fire Fighting Expense Clause
  • Debris Removal Clause

Prudential Guarantee offers under the Fire Insurance line the following products:

  • Basic Fire / Lightning Insurance (with or without Allied Perils)
  • Industrial All Risks Insurance
  • Business Interruption and / or Consequential Loss Insurance
  • Rent / Rental Value Insurance

For inquiries, please call 813-7749 or e-mail at

PGA Sompo Japan Insurance Inc.:


Filinvest corner Commerce Ave.,
Westgate Center, Filinvest Corporate City
Alabang, Muntinlupa City

201 EDSA, Mandaluyong City
1554 Philippines

PGA Cars Centre, 11th Ave., corner 28th St,
Bonifacio Global City, Taguig


201 EDSA, Mandaluyong City
1554 Philippines


PGA Cars Centre, 11th Ave.
Bonifacio Global City
1634 Philippines


Hyundai North EDSA:
Part of the PGA Cars, Inc. Group
1174 EDSA, Balintawak, Quezon City

1st Life:

R. Coyiuto Securities, Inc.:

Member: Philippine Stock Exchange
5th Floor Corinthian Plaza
121 Paseo de Roxas St.
Legaspi Village, Makati City

Pioneer Tours:

290-292 Dasmarinas corner Marquina St.
Binondo, Manila

Coyiuto Foundation:

COYIUTO HOUSE, 119 C. Palanca St.
Legaspi Village, Makati City