In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

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Microinsurance

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Comprehensive and cost-efficient coverage with 8 protection benefits

In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

Inclusion

  • Accidental death

  • Ambulance benefit

  • Accidental disablement and dismemberment

  • Accident and sickness cash assistance

  • Fire/lightning cash assistance

  • Motorcycling benefit

  • Natural death

  • Unprovoked murder and assault

Meet our Microinsurance Team

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Nino Sauler

Senior Vice President
Nino.Sauler@lockton.com
+63 917 545 1463

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Hanica Bayaborda See

Vice President, Client Services & Relationship Management
Hanica.Bayaborda@lockton.com

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Brian C. Fontanilla

Senior Manager, Deputy Head, Client Services
Brian.Fontanilla@lockton.com
+63 288 110 388

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Hye-Won "Eunice" Park

Vice President, Korean Accounts
Eunice.Park@lockton.com

General Inquiries

Get in touch

info.philippines@Lockton.com

News and Insights

The Philippine workplace is now home to multiple generations, from those who grew up during martial law to Gen Z digital natives, creating both opportunities and challenges. Post-pandemic shifts in values, work styles, and expectations have magnified generational differences in communication, technology use, mental health perspectives, and definitions of professionalism. Cultural norms rooted in hierarchy often clash with younger employees’ calls for collaboration, flexibility, and openness about wellbeing. To bridge these divides, organizations must design inclusive policies, flexible benefits, tailored learning programs, and communication strategies that resonate across age groups. With thoughtful leadership, generational diversity can be transformed from a source of friction into a driver of resilience, innovation, and progress.The Great Generational Divide in the Workplace

The Great Generational Divide in the Workplace

article
The Philippine modern workplace is now generationally defined. Offices now host employees who grew up during martial law seated next to those who were raised on smartphones and social media. This unique mix is reshaping how work is done, understood, and experi ...
The Great Generational Divide in the Workplace

Supporting employee mental health amidst natural calamities

The 2024 World Risk Index ranks the Philippines as the most disaster-prone nation, with over 432 areas declaring a state of calamity due to extreme weather events. Beyond physical damage, disasters have significant mental health impacts, with survivors facing higher risks of PTSD, anxiety, and depression, which in turn affect workplace productivity and morale. The article underscores the importance of integrating mental health support into disaster preparedness, citing DOLE’s mandate for workplace mental health policies. It recommends immediate post-disaster interventions like emergency communication, Employee Assistance Programs (EAPs), Psychological First Aid (PFA), and flexible work arrangements. Long-term resilience, the article argues, requires ongoing support systems, manager training, stigma reduction, and insurance safeguards to protect employees’ well-being and organizational stability.The 2024 World Risk Index ranks the Philippines as the most disaster-prone nation, with over 432 areas declaring a state of calamity due to extreme weather events. Beyond physical damage, disasters have significant mental health impacts, with survivors facing higher risks of PTSD, anxiety, and depression, which in turn affect workplace productivity and morale. The article underscores the importance of integrating mental health support into disaster preparedness, citing DOLE’s mandate for workplace mental health policies. It recommends immediate post-disaster interventions like emergency communication, Employee Assistance Programs (EAPs), Psychological First Aid (PFA), and flexible work arrangements. Long-term resilience, the article argues, requires ongoing support systems, manager training, stigma reduction, and insurance safeguards to protect employees’ well-being and organizational stability.

The Other Side of Electric Vehicles

This article discusses the rapid growth of electric vehicle (EV) adoption in the Philippines, with sales projected to hit 20,000 units in 2025 due to rising sustainability awareness, supportive policies, and government incentives. While EVs offer environmental benefits, they also present emerging risks such as battery-related fires, high-voltage shock hazards, and dangers from damaged battery packs. Hybrid vehicles, in particular, show a higher fire risk than gasoline cars, while older EVs may face increased hazards over time. Businesses in automotive services, fleet operations, and roadside assistance need specialized training, updated safety protocols, and proper equipment to handle these vehicles safely. Ultimately, the article emphasizes that sustainability must be paired with strong risk management strategies to ensure safe and successful EV adoption in the country.This article discusses the rapid growth of electric vehicle (EV) adoption in the Philippines, with sales projected to hit 20,000 units in 2025 due to rising sustainability awareness, supportive policies, and government incentives. While EVs offer environmental benefits, they also present emerging risks such as battery-related fires, high-voltage shock hazards, and dangers from damaged battery packs. Hybrid vehicles, in particular, show a higher fire risk than gasoline cars, while older EVs may face increased hazards over time. Businesses in automotive services, fleet operations, and roadside assistance need specialized training, updated safety protocols, and proper equipment to handle these vehicles safely. Ultimately, the article emphasizes that sustainability must be paired with strong risk management strategies to ensure safe and successful EV adoption in the country.

Balancing AI Innovation with Ethical Responsibility

The article examines how Philippine businesses are rapidly adopting AI for tasks like automated customer service and data-driven decision-making, while also facing significant ethical challenges and cyber risks. It highlights issues such as algorithmic bias, lack of transparency in AI decision-making, and job displacement in sectors like outsourcing. Many companies have hidden coverage gaps in their Errors & Omissions (E&O) and Cyber policies, leaving them exposed to AI-specific threats like data poisoning, deepfake fraud, and bias claims. The piece urges organizations to proactively review insurance policies, address governance gaps, and invest in reskilling programs to maintain compliance and customer trust. Ultimately, it stresses that balancing innovation with responsible implementation will give businesses a competitive edge.The article examines how Philippine businesses are rapidly adopting AI for tasks like automated customer service and data-driven decision-making, while also facing significant ethical challenges and cyber risks. It highlights issues such as algorithmic bias, lack of transparency in AI decision-making, and job displacement in sectors like outsourcing. Many companies have hidden coverage gaps in their Errors & Omissions (E&O) and Cyber policies, leaving them exposed to AI-specific threats like data poisoning, deepfake fraud, and bias claims. The piece urges organizations to proactively review insurance policies, address governance gaps, and invest in reskilling programs to maintain compliance and customer trust. Ultimately, it stresses that balancing innovation with responsible implementation will give businesses a competitive edge.
Read more news and insights

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