PFC will provide business insurance coverage that is specially tailored to the unique needs of different industries. The unique insurance coverage provides the protection and peace of mind to all types of business.

Just like building a business, putting together a comprehensive insurance program is done in steps.

The types of business insurance coverage to consider are as follows:

Property Insurance

To ensure your building business property and inventories against any of the following perils:

  • Fire & Lightning
  • Windstorm or Typhoon
  • Earthquake
  • Explosion
  • Riot or Civil Commotion
  • Aircraft & Vehicles
  • Sudden and Accidental damage from smoke
  • Vandalism & Malicious Mischief
  • Sudden and accidental discharge of water or steam from plumbing, heating, Air-conditioning system or from appliances.

Business Income

Coverage will pay for the actual loss of Business Income your business sustains due to the necessary suspension of your operations during the period of restoration as a result of a direct physical loss or damage to property resulting from any covered Cause of Loss as stated above.

Commercial General Liability

This coverage will pay for bodily injuries to other people or damage to their property if the business is liable as a result of the operation of the business or conduct of its employees.

Worker's Compensation

This coverage will pay for employees injured during working hours regardless of liability.


This coverage will pay for your business personal property or inventory in case of a break-in. It will also cover money lost due to robbery.