Business & SME Cover
One broker handles all your business insurance needs — fire, property, business interruption, group life, HMO and liability — consolidated on a single renewal calendar so you never miss a renewal again.
- Fire & property all-risk
- Business interruption
- Group life & HMO for staff
- Public & product liability
400+
SMEs insured in Cebu
8 sectors
Business types covered
15–25%
Avg savings by bundling
24hrs
Quote to binding time
Starting from
₱3,500
/month indicative
Coverage up to
₱20,000,000
Eligible: All business ages — from new startups to established corporations
Free advice · No obligation · IC-licensed advisors
Choose the right level of cover
FUL will compare across all our insurer partners to find the best price for the plan you choose.
Selected: Micro Business — ₱1,800/month · ₱21,600/year
Get a quote for Micro Business* Indicative monthly premium for a 10-employee BPO in Cebu IT Park with ₱5M declared property value. Final premium depends on business type, location, declared values, headcount, and chosen coverage lines.
Included & excluded — no surprises
Fire & property all-risk
Building, fit-out, contents & equipment
Business interruption
Replaces income while you rebuild
Group life insurance for staff
Group HMO for staff
Standard and Premium plans
Public & product liability
Customer injury on premises
Equipment breakdown
PCs, machinery, HVAC
Professional indemnity / E&O
Premium plan
Directors & officers (D&O)
Premium plan only
Employee dishonesty / fidelity
Separate policy required
Cyber liability / data breach
Separate cyber policy available
How the process works
Business risk assessment
Share your business type, location, declared asset value, headcount, and annual revenue. We use this to size your coverage accurately.
Bundle quote — all lines
We quote fire/property, group benefits and liability together from multiple insurers. Bundling saves 15–25% vs separate policies.
Review, adjust & bind
You review the proposal at your pace. We adjust limits, add or remove riders, and finalize. Binding takes 24 hours.
One renewal date, one adviser
All your policies renew on the same date. Your FUL adviser sends a 60-day renewal reminder and reviews your coverage for changes.
FUL works with Malayan, Standard Insurance, AXA and Etiqa for business lines. We bundle your policies for better rates and simplify your admin so you can focus on running your business, not chasing renewals.
Why choose this plan?
Keep trading after a loss
Business-interruption cover replaces income while you rebuild.
Attract & keep talent
Group HMO and life cover that helps you compete for staff.
One broker, every line
We consolidate all your policies under one renewal calendar.
We compare plans from these insurers for you
Key Cebu business sectors we serve
BPO & outsourcing companies
F&B — restaurants, cafes, food parks
Retail shops & boutiques
IT & software development firms
Medical clinics & dental offices
Real estate developers & brokers
Logistics & transportation
Construction & contracting
Documents you'll need
- DTI/SEC business registration
- BIR TIN
- Business permit
- Inventory / asset list
- Latest audited financials (for large accounts)
Frequently asked questions
What clients say
BrewLab Coffee Co.
Cebu IT Park
“They bundled our fire, property and staff HMO under one renewal date. Saved us money and a ton of admin headache. Best decision we made for our business.”
via Google · John Carlo Tan
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Ready to get covered?
Free 30-minute consultation with a licensed FUL advisor — online or at our Cebu IT Park office. No obligation.