Contractors' All Risk Insurance - CARI

Contractors' All Risk Insurance - CARI Contractors' All Risk Insurance (CARI) is an insurance policy that protects PROJECT owners and contr Risks covered include :

1. Fire
2. Flood
3. Wind
4. Typhoon
5.

Contractors' All Risk Insurance (CARI) is an insurance policy that provides coverage for third-party property damage, third party bodily injury and damage/loss of contractors' supplied materials. Earthquake. It typically does not cover the following :

1. Normal Wear and Tear
2. Willful Negligence
3. Poor Workmanship

For quotation request please email or text the following information below:

1.

Principal / Project Owner's Name
2. Contractor's Name
3. Scope of Work
4. Exact Project Location
5. Project Duration
6. Project Contract Amount

NOTE :

For insurance premium payment :

You can deposit it to BPI / MAPFRE Insular Bank Account. A generated code will be endorsed to you prior to your bank payment. Respectfully,

Raymond Siruelo
[email protected]
0917-8715185

27/01/2026
20/01/2026

Surprises on the road? Bring protection with you. Let Oona Car Insurance lead the way to safer drives. Drive with confidence and enjoy the journey.

09/10/2025

Trust is the real currency in business. When your brand consistently delivers value, keeps its word, and shows up with integrity, people stop looking for discounts—they start looking for ways to work with you.

Just look at Apple. They rarely compete on price, yet their customers line up for every new product because they trust the experience, the quality, and the brand.

Price only becomes a problem in the absence of trust. That’s why the most successful brands focus on connection, not convincing. They build relationships, not just revenue.

If your audience believes in who you are and what you stand for, they’ll pay a premium without hesitation. So stop racing to the bottom. Stop trying to be the cheapest option. Instead, be the most trusted. Because once people believe in your value, your price becomes a reflection of it—not a reason to walk away.💲

@ Entrepreneurship Facts

07/10/2025

07/08/2025

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Social Classes in the Philippines
(Based on population distribution & estimated monthly income)

Total Population Considered: 116,716,231

1. 0.69% – Ultra Rich
Population: 805,342
Estimated Monthly Income: ₱5,000,000 and above
These individuals are the top tycoons and elites, often owning conglomerates, global properties, private jets, and massive investment portfolios. They have direct or indirect influence over politics and the economy.

2. 0.92% – Very Wealthy
Population: 1,073,789
Estimated Monthly Income: ₱1,000,000 – ₱5,000,000
Includes CEOs, industry leaders, highly successful entrepreneurs, real estate moguls, and top-tier celebrities. They live in upscale villages and maintain lavish lifestyles.

3. 1.83% – Rich
Population: 2,135,907
Estimated Monthly Income: ₱250,000 – ₱999,999
Financially secure professionals, mid-level business owners, and high-ranking government or corporate officials. They can afford international travel, private schooling, and multiple vehicles.

4. 20.53% – Middle Class / Financially Stable (“May Kaya”)
Population: 23,961,842
Estimated Monthly Income: ₱40,000 – ₱249,999
Professionals, small business owners, OFWs, and dual-income households. They can afford modest houses, basic insurance, education, and some luxuries.

5. 39.86% – Poor (“Mahirap”)
Population: 46,523,090
Estimated Monthly Income: ₱12,000 – ₱39,999
These individuals meet their daily needs but are one crisis away from financial difficulty. They may rely on loans or side hustles to make ends meet.

6. 17.60% – Very Poor (“Mahirap na Mahirap”)
Population: 20,542,057
Estimated Monthly Income: ₱5,000 – ₱11,999
Typically engaged in low-wage informal work (e.g. vendors, tricycle drivers, farmers), often renting in overcrowded areas and struggling with basic expenses.

7. 18.57% – Extremely Poor (“Dukhang-Dukha”)
Population: 21,674,204
Estimated Monthly Income: Below ₱5,000
Lives in extreme poverty. They lack access to stable food supply, clean water, shelter, and education. Often unemployed or underemployed, relying on aid or scrap work.

Address

Investment Drive
Muntinlupa City

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