IC licensedNon-life insurer
Sterling Insurance: plans, claims and licence
Sterling Insurance Company, Inc. is a non-life insurance company.
Licensed. Certificate of Authority no. 2025/35-R.IC non-life insurer list dated Aug 31, 2026. Its 2025 gross premiums written of ₱2,032.5 million rank 24th of the 54 companies in the IC's non-life premium table. That is 1.4% of the ₱149.1 billion written by all non-life and composite insurers in 2025 (₱2,032.5 million ÷ ₱149.1 billion, IC non-life premium table). 126 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 24th most of the 53 companies licensed to sell non-life insurance.
Filing a claim with Sterling Insurance
| info@sterling-insurance.com.ph |
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If Sterling Insurance becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to Sterling Insurance first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
Sterling Insurance products and plans
- SURETY
- FIRE AND ALLIED PERILS
- MOTOR CAR
- MARINE
- ENGINEERING
- PERSONAL ACCIDENT
- MISCELLANEOUS GENERAL CASUALTIES
- COMPULSORY INSURANCE COVERAGE
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 126 |
|---|---|
| Agents with a non-life licence | 126 |
| General agents | 3 |
Company details
- Licensed company
- Sterling Insurance Company, Inc.
- Certificate of Authority
- 2025/35-R
- Head office
- 6th Floor, Zeta Il Annex Building, 191 Salcedo St., Legaspi Village, Makati City
- Official website
- sterling-insurance.com.ph
- Licensed for: non-life insurance such as motor, property, fire, travel and surety bonds.
- Not licensed for: life insurance and VUL. Those come from the life list.
How tax applies to the policy
- Documentary stamp tax: fire, marine and other property insurance policies carry DST of ₱0.50 on each ₱4 of premium charged. See documentary stamp tax calculator.NIRC Sec. 184, in force since Jan 1, 1998
- Worked example: a fire insurance policy with a ₱10,000 premium. DST = ₱10,000 ÷ ₱4 = 2,500 units × ₱0.50 = ₱1,250 (Sec. 184).
Before you sign or pay
- Match the company and number. Your policy should name Sterling Insurance Company, Inc. and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show Sterling Insurance and a licence end date that has not passed.
- Pay Sterling Insurance, not a person. Keep the official receipts issued in Sterling Insurance's name.
Questions
Is Sterling Insurance legit?
Yes. Sterling Insurance Company, Inc. is licensed by the Insurance Commission (licence 2025/35-R). A genuine policy names Sterling Insurance Company, Inc. and that number.