It is an agreement whereby one undertakes for a consideration to indemnify another against the loss, damage or liability arising from an unknown or contingent event. (Sec. 2[1], Insurance Code) Note: A contract of insurance is still a contract, thus it must have all the essential elements of a valid contract as enumerated in Art. 1318 of the New Civil Code.
Musikatorni is a musical project by Atty. Ranny Randolf B. Libayan, known for its original song compositions that blend insightful lyrics with captivating melodies. The project features a variety of songs, including "Halang Ang Hinahalal," "Ayuda Nation," and "Pamily Bisnis Ang Political Dynasty," which address social and political issues with a unique musical twist.
Musikatorni's music is characterized by its thought-provoking themes and powerful delivery, making it a standout in the music scene. The project has gained a following for its ability to connect with listeners through its meaningful content and engaging sound.
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