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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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.