Launch ensures security and peace of mind for small business owners without the worry of steep prices

Cebuana Lhuillier, one of the country’s leading microfinancial services company has teamed up with AXA Philippines, a leader in global insurance, and GIZ in unveiling its newest microinsurance product, the MicroBiz Protek Jr., which will insure microenterprises against typhoons, floods, earthquake, lightning, and fire.

PROTECTING MSME’s NATIONWIDE. Institutions who worked together for the launch of the MicroBiz Protek Jr. sign the Commitment of Support to MicroBiz Protek Jr. and the Payong App. In photo: Jimmy Loro, Deputy Project Manager, Micro Disaster Risk Insurance for MSMEs Project, Jonathan Batangan, First Vice President and Group Head Cebuana Lhuillier Insurance Brokers, Inc., Rahul Hora, President and CEO of AXA Philippines and Dr. Alexander Jaeger, Program Director of GIZ RFPI Asia III

“For years now, Cebuana Lhuillier has always been a steadfast partner of Filipinos in providing them their financial needs, whether for bridge financing, micro savings and of course protection in the form of insurance. The launch of the MicroBiz Protek Jr. is a progressive step forward towards insuring our small business owners against the dangers that natural calamities bring,” said Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier.

“With MicroBiz Protek Jr., we take action against the risk of disasters that affect MSMEs. This product provides meaningful protection to a sector that engines the growth of the country by serving as the backbone of its economy,” added Jonathan Batangan, First Vice President and Group Head Cebuana Lhuillier Insurance Brokers, Inc.

From 2015 to 2019, microenterprises have posted losses of up to Php 1 million due to typhoons and floods alone. Many MSMEs have cited natural catastrophes to be one of the major reasons for losses and bankruptcy especially for businesses that have an average of five years or lower since their inception. As another example, after the ravaging of super typhoon Yolanda in the Visayas region, only 30% of business renewed their license, this same pattern is currently being observed as the country goes through the COVID-19 pandemic.

The MicroBiz Protek Jr. product will help microenterprises to feel more secure knowing that their small businesses are insured and protected for such an affordable price. When microenterprise owners avail of the MicroBiz Protek Jr. product, they get protection for their business through cash assistance when their property is damaged due to fire, lightning, typhoon, flood or earthquakes and coverage for burglary and robbery.

They can also get Accident Insurance for any death or disablement due to accidents, added to this coverage is an emergency assistance access as provided by the Emma by AXA PH mobile app where users can get free access to ambulance, roadside, fire, and police assistance and more.

Clients may avail of the MicroBiz Protek Jr. for as low as Php 105 good with a coverage of 1 year!

Avail of the MicroBiz Protek Jr. product by logging on to, Cebuana from Home, Cebuana Lhuillier Financial outlets, and DTI Negosyo Centers!

Visit for more information!

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