It is that which insures against all causes of conceivable loss or damage.
1. As otherwise excluded in the policy; or
2. Due to fraud or intentional misconduct on the part of the insured. (Choa Tiek v. CA, G.R. No. 84507, Mar. 15, 1990) This type of policy grants greater protection than that afforded by the “perils clause.”
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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