It is a contract of indemnity by which the insurer, for a consideration, agrees to indemnify the insured against loss of or damage by fire, lightning, windstorm, tornado or earthquake and other allied risks, when such risks are covered by extension to fire insurance policies or under separate policies. (Sec. 167)
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.
Spotify 
iTunes 
AppleMusic 
YouTube 
