Fire

Cover against loss or damage of property caused by fire or lightning and allied perils such as earthquake fire, earthquake shock, typhoon, flood, smoke, explosion, vehicle impact, falling aircraft, riot, strike, and malicious damage, burglary and business interruption.

Aviation Hull

From light planes to commercial passenger aircraft, OAC provides the whole range of insurance protection required by those who have invested in them. These include: Hull Insurance, Third Party Liability, Passenger Admitted Liability, Passenger Liability, Crew/Pilot/Passenger Medical Expenses, Crew/Pilot/Passenger Personal Accident, Baggage/Cargoes Liability.

Marine Hull

Indemnify against maritime losses of or damages to hull and machineries. OAC covers general cargo and passenger vessels, motor tugs, self-propelled barges, tankers and yachts treading the brown and blue water routes. For vessel under construction, Oriental provides cover with Ship Builders and Ship Repairer's Liability.

Marine Cargo

Indemnity against maritime losses of or damages to goods, merchandise, wares, other movable property, freights and profits, in respect to or in connection with the ordinary course of transit.

Merchandise Floater

Covers major risks when goods or merchandise are moved by inland transit.

Motor Car

Comprehensive cover against Loss or Damage to vehicle: Theft, Third Party Liability, Property Damage and Passenger Accidents. OAC is accredited with top motor shops and dealers. Likewise, there will be FREE Roadside Assistance Coverage for qualified vehicles

Bond

Writes all types of Bonds: Fidelity, Judicial, License, Customs, Contractor's and Financial Guarantees.

Engineering

OAC's Contractors All Risk (CAR) insurance addresses the insurance needs of civil works and covers the contract price of the construction work materials, equipment, and third party liability OAC's Erection All Risk (EAR) Insurance covers the project itself. such as erecting large machinery, including commissioning and testing, and third party liability. Machinery Breakdown Insurance covers all risks while the machine is in operation or at rest.

Personal Accident

Special lines have been innovated to meet the exact needs of each client: Standard Personal Accident (PA), Keyman PA, Travel PA, Student PA, and Family PA plans cover Accidental Death and Dismemberment, Permanent Total Disability, Accidental Medical Reimbursement, Murder and Assault, Common Carrier Rider and Daily Hospital Income. A new addition is the Lifestyle Protection Plan which allows you to get the best medical treatment possible without draining your financial resources, made possible through a unique combination of personal accident and living assurance benefits.

Liability Insurance

Indemnify the insured for all sums that the insured shall become legally obligated to pay as damages for Bodily Injury and Property Damage, caused by accident arising out of the insured's negligence. Under this line are specialized coverage for unique needs such as: Public Liability, Comprehensive General Liability, Garage Keeper's Liability, Product Liability, Professional Liability, and Golfer's Insurance.

Electronic Equipment Insurance

An all risk cover against loss or damage to the physical unit or hardware of electronic equipment (such as computers).

Crime Insurance

Helps protect businesses against the consequences of crime. Coverages in this line are: Money Securities and Payroll Robbery Insurance, Mercantile Stock Burglary Insurance, Disappearance, Dishonest and Destruction Insurance, and Fidelity Guarantee Insurance.

Equipment Floater Insurace

Provides all risk cover within the country for heavy equipment and mobile machinery - such as graders, bulldozers, and mixers - against physical damage caused by external forces.

Reinsurance

Oriental Assurance is able to accept facultative reinsurance placements from local ceding companies. Likewise, careful outward reinsurance placements are made with top rated securities.