ARETE Insurance Agency

19/06/2026

From serving clients to celebrating milestones.
Grateful for the trust, thankful for the journey, and excited for what lies ahead.

Million Producers Night, here I come!

15/06/2026

A Cross Liability Clause in insurance is a provision commonly found in liability insurance policies which treats each insured party as if they have separate insurance coverage under the same policy.

In simple terms, it allows one insured party to file a claim against another insured party under the same insurance policy.

15/06/2026

"Over, and over, and over again, Trump has said energy prices will 'drop like a rock' as soon as a peace is negotiated and the Strait of Hormuz reopens. That will be a difficult promise for Trump to keep," writes CNN's David Goldman | Analysis https://cnn.it/4xzYpVQ

15/06/2026

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.