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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Estoppel by Silence in Philippine Insurance Law: When a Bank's Silence Speaks Volumes
Philippine Supreme Court ruling on estoppel by silence, bank liability for unpaid insurance premiums, and corporate veil in insurance claims.
Surety Bond Liability Limits Under Philippine Insurance Law: The R & B Surety Case
Philippine Supreme Court clarifies surety bond liability caps under Insurance Code Section 176, limiting exposure to face value plus legal interest.
Honesty is the Best Policy: Understanding Concealment in Philippine Insurance Law
A Supreme Court ruling clarifies when an insurer may deny a claim for concealment, and who may sue on a mortgage redemption insurance policy.
No Premium, No Policy: Philippine Insurance Law on Payment and Coverage
Philippine Supreme Court clarifies that fire insurance policies require actual premium payment before coverage attaches, rejecting implied credit arrangements.
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.