Business Care Advantage

Business Care Advantage Insurance

Shield your business from losses or damage with BPI/MS Business Care Advantage Insurance

Putting up and running a successful business is no easy feat. It takes hard work, ingenuity and overall discipline. Any business is open to challenges as well as unforeseen risks. You must have the foresight to safeguard your business at all cost. Know all possible setbacks and be a step ahead by investing on BPI/MS Business Care Advantage Insurance.

Specifically designed for Small Medium Enterprise (SME) owners, BPI/MS Business Care Advantage (BCA) is fully loaded with a wide range of coverage protecting your business from possible hazards, financial loss, and destruction.

Why Business Care Advantage is best for your enterprise?

Business Care Advantage provides protection for all major properties and liability risks in one complete insurance package. Checkout the BCA advantages and benefits:

a. Property or Fire Insurance

Protects your business from

  • Fire and/or Lightning
  • Earthquake
  • Typhoon
  • Flood
  • Extended Coverage
    • Falling Aircraft
    • Vehicle Impact
    • Smoke
    • Explosion
  • Riot, Strike and Malicious Damage
  • Broad Water Damage with BOWTAP
  • Robbery and Burglary -up to a maximum limit of Php100,000
  • Plate Glass – up to a maximum limit of Php50,000
  • Sprinkler Leakage

b. Comprehensive General Liability Insurance

Covers business-related legal worries in relation to third party claim for Bodily Injury and/or Property Damage due to accidents arising out of the insured’s business operations or within the business’ premises.

Aggregate Limit of Liability: Php 1,000,000


• Fire & Explosion Legal Liability
• Tenant’s Liability up to Php 500,000 Annual Aggregate
• Independent Contractor’s Liability
• Sub-Contractor’s Liability
• Advertising & Signage Liability
• Food & Drink Liability up to Php 10,000 per person
(maximum of Php 100,000 per occurrence)
• Premises Medical Payments up to Php 5,000 per person
(maximum of Php 100,00 per occurrence)

c. Group Personal Accident Insurance

Provides monetary benefit for the insured and his employees in the event of accidental death or dismemberment arising within the period of insurance. Coverage includes Accidental Death and Disablement as well as Medical Reimbursement and Burial Expense Benefit to four (4) named regular employees up to the following:

• Accidental Death and Disablement up to Php 50,000 per employee
• Accidental Medical Reimbursement up to Php 5,000 per employee
• Burial Expense up to Php 5,000 per employee

        (Subject to additional premium in excess of four (4) declared named regular employees)

d. Comprehensive Money and Securities Insurance

Compensates for loss of money and securities (up to a maximum of Php 50,000 per occurrence and Annual Aggregate) stored within insured business premises due to Burglary or Robbery. In addition, this cover will also respond to loss of money-in-transit from the business premises to the bank and vice-versa due to robbery.

e. Business Interruption (optional cover)

Protects business owners or insured against losses or damages to their income or profit caused by fire or other covered perils in the policy.

Coverage and inclusions are subject to the terms and conditions of the actual Business Care Advantage Insurance Policy.