Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Seaworthiness and Insurance Subrogation in Philippine Maritime Law
Philippine Supreme Court ruling on shipowner liability for unseaworthy vessels, insurer subrogation rights, and the limited liability rule.
Surety Bonds AND Agent Authority Protecting Yourself From Insurance Claim Denials
Third-Party Liability Insurance: Filing Claims and Solidary Liability in the Philippines
Learn how Philippine courts treat third-party liability insurance claims, the requirement to file written notice, and why insurers are not solidarily liable with tortfeasors.
Marine Insurance: When Arrest of a Vessel by Civil Authorities Is a Covered Risk
Philippine Supreme Court ruling on when arrest of a vessel by judicial process is a covered risk under marine cargo insurance policies.
When Are Insurance Claim Agents Liable for Foreign Principals' Debts in the Philippines?
Philippine Supreme Court clarifies when local claim agents of foreign insurers can be held personally liable for policy obligations.
Independent Contractor vs Employee: Control Test in Philippine Labor Law
Supreme Court clarifies the control test distinguishing independent contractors from employees in Philippine labor law, using an insurance agent case.
Insurance Proceeds and Trust Relationships: Understanding Fiduciary Duties
When an insurer holds insurance proceeds for insureds pending settlement, a trust may arise, creating fiduciary duties.
Overseas Workers Compensation Who Pays When Injury Strikes Abroad
Philippine Supreme Court clarifies that overseas employers may not be liable for medical benefits when the host country's social insurance law places that burden on a state fund.
Fire Insurance Premiums: When Partial Payment Is Not Enough in the Philippines
Philippine Supreme Court rules on whether partial premium payment makes a fire insurance policy valid and binding.
When Mortgagees May Renew Insurance on Chattel Mortgages: Servicewide Specialists v. Trinidad
Philippine Supreme Court ruling on when a mortgagee may renew insurance on a chattel and apply installment payments to premiums without notice.
Chattel Mortgage Insurance: When Lenders Must Notify Borrowers of Premium Payments
Philippine Supreme Court rules on chattel mortgage insurance renewals, lender obligations, and borrower notice requirements in installment payments.