ARETE Insurance Agency

12/05/2026

The inherent challenge in the study and application of law is that the legal provisions are often susceptible to varying interpretations. Every lawyer may hold differing views as to the meaning and application of a particular law.

Nevertheless, one principle remains constant - it is the interpretation rendered by the Supreme Court that ultimately prevails and becomes binding upon all courts, public authorities, and the people.

18/03/2026

Be cautious during periods of economic uncertainty. When markets are unstable—whether due to political factors, inflation, or governance issues—maintaining sufficient liquidity is important. “Cash is king” in the sense that it provides flexibility, security, and the ability to respond to emergencies or opportunities.

However, it’s equally important not to keep all assets in cash. A balanced approach—combining liquidity, protection (such as insurance), and diversified investments—offers better long-term stability.

The PSEi rose further as investors continued to pick up bargains as gains in the US and a stronger Pesk buoyed sentiment.
The main index added 29.44 points or 0.49 percent to close at 6,055.45 as the Property sector led the advance although Banks and Miners declined.
Volume dropped further to 928 million shares worth P5.91 billion as gainers outnumbered losers 113 to 81 with 61 unchanged.
“The PSEi continued its recovery run despite higher commodity prices as the local market tracked global movements, mirroring Wall Street’s performance,” said Regina Capital Development Corporation Managing Director Luis Limlingan.
He added that, “A slightly stronger peso also provided a modest cushion supporting overall sentiment.”
Philstocks Financial Research Manager Japhet Tantiangco said the local market extended its gains as investors digest the House of Representatives and the Senate's approval of the proposal to give the President power to suspend or cut fuel excise taxes during emergency situations.
Rizal Commercial Banking Corporation Chief Economist Michael Ricafort said the PSEi was higher for the second straight trading day after global crude oil prices corrected slightly lower after Trump reiterated the need for countries to cooperate on the reopening of the Strait of Hormuz.

18/03/2026

Cargo Insurance vs Liability to Cargo — Know the Difference!

Many businesses assume they are fully protected when shipping goods — but not all protection is the same.

Cargo Insurance
✔ Covers the owner of the goods
✔ Pays for loss or damage regardless of fault
✔ Provides direct protection for your shipment

Liability to Cargo
✔ Covers the carrier, not the owner
✔ Pays only if the carrier is at fault
✔ Subject to limitations and legal defenses

Key Takeaway:

Cargo Insurance protects YOU.
Liability to Cargo protects the CARRIER.

Don’t rely solely on the carrier’s liability — make sure your goods are fully protected from unexpected risks.

Secure your shipments with confidence.

Message ARETE Insurance Agency today for the right cargo protection solution.

16/03/2026

Why it matters to work with an insurance agent or broker who understands the law?

Insurance is not just about buying a policy — it’s about protecting your rights, your assets, and your future. That’s why choosing an insurance agent or broker with strong knowledge and experience not only in insurance but also in law can make a big difference.

A knowledgeable agent or broker can help you:

✔ Understand the legal implications of your insurance policy
✔ Ensure your coverage truly protects you from legal and financial risks
✔ Guide you through claims, liabilities, and contractual obligations
✔ Avoid costly mistakes caused by misinterpretation of policy terms

Insurance policies are legal contracts, and every word in them matters. Having someone who understands both insurance practice and legal principles ensures that you are properly advised and fully protected.

At ARETE Insurance Agency, we believe that expertise matters. Our goal is not only to provide insurance, but also to help clients make informed and legally sound decisions about their protection.

Protection. Risk Management. Legal Awareness.
That is the ARETE advantage.

Message us today to learn more about the right protection for you.

16/03/2026

Surety vs Guarantee: What’s the Difference?

Many people think surety and guarantee are the same — but in law, they are very different.

✔ Surety – The surety is solidarily liable with the debtor. This means the creditor can demand payment directly from the surety without first going after the debtor.

✔ Guarantee – The guarantor’s liability is subsidiary. This means the creditor must first exhaust the assets of the debtor before going after the guarantor.

In simple terms:
Surety = Direct liability
Guarantee = Secondary liability

This is why surety bonds are commonly required in contracts, construction projects, and court bonds — they provide stronger protection to the obligee.

Need help with surety bonds for your business or legal requirements?

Message us today at ARETE Insurance Agency.

16/03/2026

Alam mo ba na kapag ang insurance company ang nagbayad ng claim mo dahil sa loss o accident, may karapatan silang habulin ang taong may kasalanan?

Ito ang tinatawag na Subrogation.

> Binabayaran muna ng insurance ang insured para sa kanyang loss.

> Pagkatapos, ang insurance company ang hahabol sa negligent third party na sanhi ng damage.

> Ito ay para maiwasan ang double recovery o yung dalawang beses kang mababayaran sa parehong loss.

Sa madaling salita:

Insurance pays you first, then sila na ang bahala maningil sa may kasalanan.

Sa ARETE Insurance Agency, hindi lang protection ang ibinibigay namin—tinutulungan din namin ang clients na maunawaan kung paano talaga gumagana ang insurance.

Message us if you want to learn more about insurance protection.

14/03/2026

Did you know that CTPL (Compulsory Third Party Liability) insurance now provides higher protection for road users?

Here are the updated benefits:

✅ ₱200,000 – Accidental Death Benefit
✅ ₱30,000 – No-Fault Indemnity Coverage
✅ Required for all motor vehicles during registration

CTPL ensures that victims of road accidents can receive immediate financial assistance, even without proving fault.

Drive responsibly. Protect lives. Comply with the law.

Message us today to secure your CTPL Insurance.

ARETE Insurance Agency
Risk Management | Protection | Peace of Mind

13/03/2026

Accidents don’t always happen because of reckless driving.

Sometimes, tragedy comes without warning.

A motorcycle rider was simply traveling on the road when a tree suddenly fell on him, causing his death. No one expected it. No one planned for it.

This is why Accident Insurance matters.

✔ Financial protection for your family
✔ Support during unexpected tragedies
✔ Peace of mind every time you leave home

Life is uncertain. Protection shouldn’t be.

Message us to learn more about Accident Insurance.

12/03/2026

What is Jettison in Marine Insurance?

Jettison is the intentional act of throwing cargo overboard from a ship during an emergency to lighten the vessel and save it from danger, such as sinking during a storm.

In marine law, this sacrifice is made for the safety of the entire voyage and may fall under the principle of General Average, where the loss is shared by all parties involved.

Understanding concepts like this shows why marine insurance is essential in managing maritime risks.

10/03/2026

Why do people insure their property more than their own life?

Many people insure their cars, houses, and gadgets, but hesitate when it comes to life insurance. Why is that?

Here are a few reasons:

Property loss is immediate and visible.
If your house burns down or your car gets stolen, the financial loss is instant. Insurance helps you recover quickly.

Banks often require property insurance.
If you have a car loan or housing loan, lenders usually require insurance to protect the property used as collateral.

Property is tangible.
We see and use our property every day, so we feel the need to protect it.

Life insurance protects future income.
While property insurance protects physical assets, life insurance protects the financial future of your family.

Here’s something to think about:

Your earning capacity over your lifetime is often worth much more than any house or car. Yet many people insure their property first.

Protect both your property and your life. Insurance is about securing what matters most.

Follow ARETE Insurance Agency for more simple and practical insights about insurance, risk management, and financial protection.

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