Tragedi Situ Gintung dan Klaim Asuransi

Hingga Senin (30/3), jumlah korban meninggal akibat jebolnya tanggul Situ Gintung Tangerang tercatat mencapai 98 orang, jumlah korban yang dinyatakan hilang, yang semula 115 orang, sekarang tinggal 100 orang, karena yang 15 orang sudah diketemukan, Sedangkan jumlah pengungsi meningkat menjadi 450 jiwa. Sedangkan jumlah korban yang dirawat, hingga Senin (30/3) jumlahnya 14 orang, dan semuanya dirawat di Rumah Sakit Fatmawati Jakarta.

Jumlah rumah yang rusak, data Senin (30/3) tidak berubah yaitu sebanyak 319 rumah, kemudian Gedung UMJ mengalami kerusakan sebanyak 11 unit….

Sumber: Depkominfo

Ditinjau dari sisi klaim Asuransi, tragedi situ gintung dapat diuraikan sebagai berikut:



Peristiwa (Proximate Cause)
…curah hujan yang tinggi mengakibatkan Situ Gintung tidak mampu lagi menampung kapasitas air sehingga tanggul jebol dan menyebabkan banjir bandang….

Klaim Kematian, Cacat atau Biaya Pengobatan (Bodily Injury)
Polis Asuransi Jiwa, Asuransi Kesehatan, dan Asuransi Kecelakaan Diri menjamin kematian, cacat atau biaya pengobatan yang disebabkan oleh bencana alam seperti ini, sehingga korban atau ahli warisnya dapat mengajukan tuntutan klaim kepada pihak asuransi.

Klaim Kerusakan Harta Benda (Property Damage)
Kerusakan rumah, kantor, pabrik, mesin-mesin, stok barang dan perabot akibat peristiwa bajir atau bencana alam lainnya tidak secara otomatis dijamin Asuransi, anda harus memastikan bahwa polis anda terdapat klausul jaminan tambahan FTSWD (Flood, Typhoon, Storm and Water Damage)

Polis Standar Asuransi Kebakaran Indonesia (PSAKI)
Jaminan Standar PSAKI hanya menjamin Kebakaran, Samparan Petir (Flexas = Fire, Lightning, Explosion, impact of Aircraft and Smoke) dan tidak menjamin kerugian atau kerusakan karena banjir, anda harus memastikan bahwa polis anda terdapat perluasan jaminan FTSWD (Flood, Typhoon, Storm and Water Damage)

Polis Property All Risks (PAR)
Polis Property All Risks (PAR) atau Industrial All Risks (IAR) Munich Re wordings menjamin kerugian atau kerusakan karena banjir atau bencana alam lainnya.

Polis Asuransi Lainnya
Polis Asuransi harta benda lainnya yang bersifat All Risks seperti Contractors Plant & Machinery, Contractors All Risks menjamin kerugian atau kerusakan karena banjir atau bencana alam lainnya. Namun untuk polis-polis lainnya seperti Paket Rumah Tinggal (Home Insurance) tidak secara otomatis menjamin kerugian atau kerusakan karena banjir, anda harus memastikan bahwa polis anda terdapat perluasan jaminan FTSWD (Flood, Typhoon, Storm and Water Damage)

Klaim Kerusakan Kendaraan Bermotor (Automobile)
Jaminan Standar PSAKBI (Polis Standar Asuransi Kendaraan Bermotor Indonesia) tidak menjamin kerugian atau kerusakan karena banjir, anda harus memastikan bahwa polis anda terdapat perluasan jaminan klausul Angin Topan, Badai, Hujan Es, Banjir dan Tanah Longsor (KBM-14) jadi polis kendaraan bermotor dengan jaminan comprehensive saja tidak cukup, namun harus dengan paket perlindungan Act of God (Bencana Alam)

Klaim Kerusakan Lingkungan (Enviromental Damage)
Lalu siapakah yang harus bertanggung jawab terhadap kerusakan lingkungan yang ditimbulkan oleh tragedy Situ Gintung? di Negara-negara maju sudah terdapat polis Asuransi yang menjamin kerusakan lingkungan seperti itu…namun di Indonesia belum ada bahkan belum terpikirkan…Pemerintah dan masyarakat semualah yang harus bertanggung jawab tentunya….


Any inquiry please give me a call
IMAM MUSJAB Call: +628128079130
Email: imusjab@qbe.co.id


Baca Juga:
- Asuransi Kecelakaan Diri
- Asuransi Kebakaran
- Asuransi Property All Risks
- Asuransi Kendaraan Bermotor
- Enviromental Liability
- Wordings & Clauses
- Claim Procedure



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Best Insurance Solution

Best Liability Solution

Automobile Liability

Commercial General Liability (CGL)

Contractors Liability

Directors & Officers

Employment Practice Liability

Enviromental Liability

Errors & Omissions

IT & Software Liability

Medical Malpractice

Product Liability

Professional Indemnity

Workmen Compensation

Best Marine Solution

Builders Risks

Charterers Liability

Freight Forwarders Liability

Hull & Machinery (H&M)

Marine Cargo

Protection & Indemnity (P&I)

Ship Repairers Liability

Yacht & Boat

Best Property Solution

Home Package

Fire Insurance

Property All Risks

SME Package

Best Construction Solution

Contractors Liability

Contractors All Risks (CAR)

Contractors Plant & Equipment (CPE)

Erection All Risks (EAR)

Best Casualty Solution

Automobile

Personal Accident

Claim Procedure

Automobile Claim

Liability Claim

Marine Cargo Claim

Property Claim

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Yacht & Boat Insurance

Yacht Insurance for Pleasure Craft and Speed Boat

Silakan Klik disini untuk membaca versi bahasa Indonesianya

Yacht & Speed Boat

Yacht and Speed Boat have special characteristics i.e. her size and GRT are relatively small, made of fiber glass, speed not exceeding 17 knots, and navigational area in coastal waters not exceeding 30 miles form sea shore. Yacht and Speed Boat usually use for leisure or for crew transportation Yacht is also called Pleasure Craft.

Yacht Insurance

Yacht Insurance usually uses “Institute Yacht Clause” wordings but some may use “Yacht Insurance”. Tailor made wordings

Yacht Insurance has 4 sections:

1. Hull & Machinery
2. Third Party Liability
3. Personal Accident for Crews and Passengers
4. Personal Effects



Section 1: Hull & Machinery

Covers loss or damage to Yacht (or Speed Boat) caused by:
- perils or seas: heavy weather, grounding, sinking and collision
- fire and explosion
- jettison
- piracy
- contact with dock, harbour, land conveyance and aircraft
- earthquake, volcanic eruption, and lightning
- loading and unloading of equipment, machinery and fuel
- malicious act and theft
- negligence of crews or other person

Section 2: Third Party Liability

Covers legal liabilities to third parties i.e.
- Property Damage: loss or damage to other vessel or property
- Bodily Injury: loss of life, personal injury or illness, including payments made for life salvage, caused on or near the Vessel or any other vessel
- Legal Costs: the legal costs incurred by the Assured or which the Assured may be compelled to pay in contesting liability or taking proceedings to limit liability
- Removal of Wreck: removal or destruction of the wreck of the insured Vessel or the cargo thereof or any neglect or failure to raise, remove or destroy the same

Section 3: Personal Accident for Crews and Passengers

Gives benefit for accident causing bodily injury or death by violent external and visible means sustained whilst embarking, disembarking or whilst on board the Yacht

Section 4: Personal Effects

Covers loss or damage to the personal effects from any accidental cause. This coverage only applies to effects owned by the insured and the insured’s immediate family and guests, and only while the property is aboard the Yacht or being loaded onto or from the Yacht. This Insurance does not cover currency, jewellery, furs, china, silver, valuable papers, documents, antiques, collectibles, or computer hardware and software.

Rating Factors

Premium for Yacht Insurance may start from 2% to 2.75% and depending on underwriting factors, antara lain:
- Type of vessel, age and gross tonnage (GRT)
- Trading Area atau Navigational Area
- Coverage and Limit of Liability
- Insurance and Claim experience

How to Insure?

To have Yacht Insurance is simply write Proposal Form and submit Ship Particular, and Survey (if necessary).

To have a quote and further inquiry

Please call: +628128079130
Or email: imusjab@qbe.co.id

by IMAM MUSJAB at http://www.ahliasuransi.com/


Source:
Institute Yacht Clause
QBE Yacht Insurance wordingshttp://www.qbe.com/


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Property All Risks

Property All Risks (PAR) = Industrial All Risks (IAR)

Untuk membaca versi bahasa Indonesianya, Silakan Klik disini

Property All Risks Insurance

Covers everything except listed exclusions

PAR/IAR is a very “famoust” name amongst other insurance types, because it covers everything (All Risks) except only a few numbers of risks listed as exclusions

Typical Policy Inclusions

· Coverage for Riots, Strikes, Malicious Damage and Civil Commotions
· Coverage for Typhoon, Storm, Flood and Water Damage
· Coverage for Earthquake, Volcanic Eruption and Tsunami
· Coverage for Landslide and Subsidence



Principal Exclusions

· War, civil war, terrorism, nuclear, radioactive
· Delay, loss of market or consequential loss
· Dishonesty, fraudulent act
· Mechanical breakdown, overheating of boilers
· Wear and tear, inherent vice
· Pollution or contamination

Property Exclusions

· Property being worked upon / in course of construction
· Property in transit, road vehicles, watercraft, aircraft
· Jewelry, precious stone, work of art
· Timber, crops, animal, bird, fish
· Land, roads, railways, canals, rigs, well, pipelines, bridges

Additional Benefits (Clauses)

-All Other Contents
-Average Relief (85%)
-Architects, Surveyors and Consulting Engineers
-Capital addition (10% of TSI)
-Civil Authorities
-Claims Preparation
-Fire Brigades Charges
-Fire Extinguishing Costs
-Impact by own vehicle
-Internal Removal
-Outbuilding
-Public Authorities
-Removal of Debris
-Reinstatement value
-Temporary Removal
………….. etc


Deductibles
Deductible is your own risk, amount that will be deducted from your claim payable, for each risks or circumstances usually set out below:

- Fire, Lightning, Explosion, Impact of Aircraft and Smoke : NIL
- Riots, Strikes, Malicious Damage and Civil Commotions : 10% of claim, min Rp10,000,000
- Typhoon, Storm, Flood and Water Damage : 10% of claim
- Landslide and subsidence : 10% of claim
- Earthquake, Volcanic Eruption and Tsunami : 2.5% of TSI
- Others : Rp1,000,000

Property All Risks

In summary, It covers ………

•Fire • Lightning •Explosion • Impact of Aircraft •Riots • Strikes •Malicious act • Civil Commotions •Earthquake • Volcanic Eruption •Tsunami • Typhoon, Storm •Flood, Water Damage • Burglary •Landslide • Impact of vehicle •Impact of falling trees • Architects Fees •Fire Brigades Charges • Fire Extinguishing Expenses •Removal of Debris • Claim Preparation Costs •Other accidental damages •and many more


Business Interruption – optional cover

It Covers Loss of Gross Profit if during the period of insurance the business carried on by the Insured at the premises specified in the Schedule is interrupted or interfered with in consequence of loss destruction or damage indemnifiable under Section I (Property Damage)

•Gross Profit : Sales – Variable Costs – Savings (Net Profit + Fixed Costs)
•Gross Rental : Rental – Savings
•Indemnity Period : 12 to 24 months

Machinery Breakdown – optional cover with sub limit

It Covers any unforeseen, sudden and accidental physical loss, or damage from causes such as defects in casting and material, faulty design, faults at workshop or in erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal force, short circuit, storm or from any other cause not specifically excluded in the General or Special Exclusions hereinafter in a manner necessitating repair or replacement.

Occupation

Every kind of occupation or business can be insured under Property/Industrial All Risks (PAR/IAR) usually with high value to meet the minimum premium required.
•Factory • Industrial or Manufacturing Risks •Warehouses • Ofices •Shophouses • Schools •Hospitals• Hotels •Malls • Container Terminal •Ship Yard • Entertainment • High rise building •Dwelling House •and Others

Premium

It stars from 0.1% to 0.25%
Off course, it depends on some underwriting factors i.e. occupation, risk location, sum insured, terms and conditions, loss history, etc. indicative ratings on some occupation are:

•Factory • Industrial or Manufacturing Risks •Warehouses • Ofices •Shophouses • Schools •Hospitals• Hotels •Malls • Container Terminal •Ship Yard • Entertainment • High rise building •Dwelling House •and Others

Premium

It stars from 0.1% to 0.25%

Off course, it depends on some underwriting factors i.e. occupation, risk location, sum insured,terms and conditions, loss history, etc. indicative ratings on some occupation are:

Occupation	Indicative Ratings
Industrial / Manufacturing Risks	0.15% - 0.20%
Small or Medium Factory	0.15% - 0.20%
Warehouses	0.20%
Offices	0.15%
Shops	0.20%
Schools	0.15%
Hospitals	0.15%
Hotels	0.15%
Malls	0.15%
Containers Terminal	0.20%
Ship Yard	0.20%
Entertainment	0.15%
High rise building	0.15%
Dwelling Houses	0.15%
Others	0.10% - 0.20%

How to Insure?

You just need to call and advice the occupation, risk location and sums insured, for this type of insurance, survey is compulsory.

For Inquiry, Please contact: +628128079130
or email: imusjab@qbe.co.id

by IMAM MUSJAB at http://ahliasuransi.com/

Source: Industrial All Risks – Munich Re wordings


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Professional Indemnity

Professional Indemnity (or Professional Liability Insurance)

Untuk membaca versi bahasa Indonesianya, Silakan Klik disini

Professionals - You Are Accountable!
Today’s professionals operate in an environment of increased responsibility and accountability; a situation which can lead professionals into serious legal pitfalls. More and more professionals now accept the likelihood that they may face litigation at some stage during their career and wisely, they are seeking protection in the form of professional indemnity insurance



Crippling Risk

Any professional person or consultant providing advice or services is exposed to claims of a ‘professional indemnity’ nature. Incurring legal liability can prove financially crippling to a professional’s business, and this damage is often compounded by loss of reputation. Even when a professional has been cleared of any liability to compensate a claimant, the cost of defending such a claim is onerous and seldom fully recovered

What does Professional Indemnity (or Professional Liability Insurance)?

It covers

• Legal Liability
To indemnify the Insured against legal liability for any Claim for compensation first made against the Insured during the Period of Cover for breach of professional duty in the conduct of the Professional Business Practice carried on by or on behalf of the Insured by reason of any negligent act, error or omission committed or alleged to have been committed on the part of the Insured.

• Legal Cost and Expenses
To pay the Costs and Expenses incurred in the defence or settlement of any Claim covered by the Policy.

Additional Features:

Professional Liability (or Professional Indemnity) Insurance also provides indemnity for claims involving

-Libel and Slander
-Loss of Documents
-Intellectual Property
-Joint Venture Liability
-Consultants, Subcontractors and Agents
-Outgoing Principals Indemnity
-Newly Created or Acquired Entity or Subsidiary
-Run-Off Cover Insured Entity or Subsidiary
-Estates and Legal Representatives

with additional premium it also provides optional extensions
· Fraud and Dishonesty of Employees
· Previous Business Cover


What do need Professional Indemnity (or Professional Liability Insurance)?

Any person or organisation who provides advice and/or services requiring special skills and knowledge

- Accountants
- Stockbrokers
- Auctioneers
- Tax agents
- Finance brokers
- Surveyors
- Engineers
- Architects
- Real Estate agents
- Solicitors
- Mortgage broker
- Advertising agents
- Child Care centres
- Charitable organizations
- School/Colleges
- Entertainment
- Travel Agents
- Etc…

What sort of claims are made?

• The Advertising Agency

An advertising agency was organising a big campaign for a client for the launch of a new product. The campaign consisted a series of TV commercial. Each week a new commercial would be broadcast and over time the “story” would unfold. Unfortunately, the agency mixed up the labelling of the ads and the second week’s episode was aired prior to the first. The client insisted that the agency pay for the extra air time required to rectify the situation.


• The Valuer

A valuer negligently overvalued a commercial building, and mortgage finance was advanced on this recommendation. The borrower subsequently defaulted, obliging the lender to put the property up for mortgagee sale. To recover the deficit, the lender sued the valuer


• The Engineer

An engineer was engaged to carry out the structural design of a large sports complex. Halfway through the construction, it become apparent that the complex would not be structurally sound and would have to be re-designed. All the construction work that had taken place had to be demolished. The engineer was clearly liable and paid for all resulting losses.


• The Architect

An architect drew up plans for building which a property developer had been commissioned to build, accordig to certain specifications. Once completed, the purchaser refused to settle the contract, alleging that the buiding did not meet the agreed specfications. The developer was able to find another buyer, but for a much lower price. The developer sued the architect for the difference, together with his additional costs.


• The Health & Safety Consultant

A health and safety consultant was contracted by a big manufacturing company to assess their production system and advice on improving the safety of the factory. There had been a recent spate of accidents which the company was determined to avoid in the future. The consultant inspected the work area and produced a report highlighting various changes to made. All recommendation were followed by the company, some of which involved modifying the design of production line. However, the company soon realised that the new set-up potentially hazardous in a completely different way and sued the consultant for the cost of rectifying the problem.


• The Mortgage Broker

A first-time home buyer consulted a mortgage broker to arrange a mortgage on the best term available in the market. After the broker finalised the mortgage with a certain bank, the buyer discovered that another bank had been offering a lower interest rate, and there were no fees. The buyer claimed against the broker for the fees incurred, plus the cost of the interest for the difference in the two rates over the period during which his rate had been fixed.


• The Forestry Consultant

A forestry consultant was hired to manage a forest. He developed a program including appropriate times for pruning, which was strictly followed. The trees did not seem to thrive so the forest owners called in another forestry expert who was “horrified” at the advice given by the consultant. As the timber porduced was no longer going to be export quality because of the large-sized knots in the wood, the forest owners sued the consultant for damages.



Source: http://www.qbe.com/

For details inquiry please

Contact: imusjab@qbe.co.id
Or phone: +628128079130

By IMAM MUSJAB at http://ahliasuransi.com/

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Medical Malpractice

Medical Malpractice Insurance

Untuk membaca versi bahasa Indonesianya, Silakan Klik disini

Malpractice!!!
If you search Google for “Malpraktek” (bahasa Indonesian) you will find 24,200 articles or Malpractice cases.

It is no doubt that Doctors, Hospitals, or any Medical Institution to have Medical Malpractice Insurance to protect its interest against this nature of claims. Medical Malpractice Insurance is a guarantee for patient safety and convenience should this nature of claim arise.


What is Medical Malpractice Insurance ?

It covers Malpractice by Medical Personnel



• Malpractice
is the rendering, or failure to render, medical services, which results in bodily injury, sickness, illness, mental injury or death of a patient

• By Medical Personnel
Covers medical personnel and establishments for negligent acts, errors or omissions arising from Malpractice


Who is the Insured?

This Policy cover all medical personnel: i.e.: (*)

-Company
-Partners
-Directors
-Managements
-Principals
-Employees
-Doctors
-Nurses
-Voluntary workers
-Social workers
-Students
-Subsidiaries
-Former principals, partners, directors or employees

(*) Please ensure that your policy cover all of those personnel, some policy may vary.


What does Medical Malpractice Insurance Cover ?

It covers Legal Liability and Law Costs and Expenses

• Legal Liability
is to indemnify the Insured against legal liability for any Claim for compensation first made against the Insured during the Period of Cover and which is notified in writing to during the Period of Cover arising from Malpractice by reason of any negligent act, error or omission committed or alleged to have been committed on the part of the Insured

• Law Costs and Expenses
is to pay, the Costs and Expenses incurred with the written consent of in the defence or settlement of any Claim covered by this Policy.


Medical Malpractice Insurance provides Automatic Cover for:

• Libel and Slander
• Loss of Documents
• Coroner’s Enquiries
• Emergency First Aid
• Students
• Newly Created or Acquired Entity or Subsidiary
• Run-Off Cover Insured Entity or Subsidiary
• Estates and Legal Representatives

Exclusions
This policy does not cover liability in respect of

•Prior or Pending
•Fraud and Dishonesty
•Assumed Duty or Obligation
•Clinical Trials
•Billings
•Related or Associated Entities
•Obligation to Employees
•Occupiers Liability and Property Damage
•Intoxicants and Drugs
•Fines and Penalties
•Nuclear
•Supply of Goods
•War
•Terrorism
•Absolute Asbestos
•Elective Cosmetic Surgery

Assure that your policy provide full covers, some policies may vary.

To obtain a Quote, Proposal Form or any Inquiry
Please call me at +628128079130
Or email: imusjab@qbe.co.id


by IMAM MUSJAB at http://ahliasuransi.com/

Source: http://www.qbe.com/

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Marine Hull and Protection & Indemnity (P&I)

Marine Hull and Protection & Indemnity (P&I)

Silakan Klik disini untuk membaca versi bahasa Indonesianya

Can you imagine how big is claim arise from this casualty?
· loss or damage to cargo on board the vessel
· loss or damage to the hull and machinery
· loss of life or bodily injury
· pollution
· salvage sue and labour, removal of wreck
· legal costs
· other losses

Marine Hull & Machinery Insurance

Marine Hull & Machinery Insurance gives comprehensive covers for loss or damage to vessel’s hull and machinery against perils of the seas and navigational perils:


It covers loss or damage caused by:
· perils or seas: heavy weather, grounding, sinking and collision
· fire and explosion
· malicious act and theft
· jettison
· piracy
· contact with aircraft
· earthquake, volcanic eruption, and lightning
· negligence of master & crews
· barratry
· collision liability
· general average and salvage
· sue and labour

Type of covers:
1. Clause 280: All Risks or full navigational perils
2. Clause 284:Total Loss + GA and ¾ Collision Liability
3. Clause 289:Total Loss Only

Protection and Indemnity (P&I)

Over hundred years P&I Club is the only organization provide Protection & Indemnity cover, now, insurance company is able to provide one so called Fixed Premium P&I

Protection and Indemnity (P&I) covers liabilities to third parties………….

-CARGO: damage to, loss or shortage of cargo
-COLLISION: collision with another vessel
-PROPERTY DAMAGE: damage to fixed and floating objects and other property
-CREWS CLAIMS: death or injury, repatriation, medical expenses
-ILLNESS & INJURY: stevedores, passengers, etc
-POLLUTION: oil, other substance, clean-up
-OTHER CLAIMS: wreck removal, fine, GA, etc
-LEGAL COSTS & EXPENSES: cost of legal disputes and expenses


Type of Vessels

All type vessels are insurable under Hull & Machinery (H&M) and/or under Protection & Indemnity (P&I)

- General Cargo Ships
- Container Ships
- Bulk Carriers
- Gas Carriers
- Passenger Ships
- Ferry; Roro
- Heavy Lift
- Tanker
- Tug Boats
- Barges
- Pilot Boat
- Survey & Research Ships
- Fishing Ships
- Towing & Salvage
- Yacht
- Speed Boat
- War Ships
- Etc

Classification Society

It is a requirement under Hull & Machinery (H&M) and/or Protection & Indemnity (P&I) that vessels must be classed and class maintained under approved or International Classification Society

-Bureau Veritas (BV) - Est.1828
-Lloyd’s Register (LR) – 1834
-American Bureau of Shipping (ABS) - 1862

-Det Norske Veritas (DN) - 1864
-Germanischer Lloyd (GL) - 1867
-Nippon Kaiji Kyokai (NK) - 1899
-Russian Maritime Register of Shipping (RS) - 1913
-China Classification Society (CCS) - 1956
-Korean Register (KR) - 1960
-Registro Italiano Navale (RINA) - 1861
-Indian Register of Shipping (IRS) - 1975
-Biro Klasifikasi Indonesia (BKI) - 1964


Rating Factors

Premium for Hull & Machinery (H&M) or under Protection & Indemnity (P&I) are depending on some underwriting factors:

- Type of vessels, age, and gross tonnage (GRT)
- Number of Fleets
- Trading Area or Navigational limit
- Classification Society
- Type of Cover and Limit of Liability
- Management and Ownership
- Insurance and Loss Record


How to Insure?

To have Hull & Machinery (H&M) or under Protection & Indemnity (P&I) are simply write Proposal Form and submit Ship Particular, and Survey (if necessary).

To have a quote and further inquiry

Please call: +628128079130

Or email: imusjab@qbe.co.id

by IMAM MUSJAB at http://www.ahliasuransi.com/


Source:
Institute Time Hull Clauses
http://www.qbe.com/

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Marine Cargo Insurance

Marine Cargo Insurance

Untuk membaca versi bahasa Indonesianya, Silakan Klik disini

Moving cargo from one place to another whole over the world by air, sea or inland transit is very risky that’s why you need Marine Cargo Insurance

Type of Covers: Marine Cargo Clauses

1.Clause A (All Risks)
Covers everything except listed exclusions

2.Clause B or C
Covers only those incidents specifically listed

Risks	Clause B	Clause C
Fire or explosion	Yes	Yes
Vessel or craft being stranded, grounded, sunk or capsized	Yes	Yes
Overturning or derailment of land conveyance	Yes	Yes
Collision or contact with any external object other than water	Yes	Yes
Discharge of cargo at port of distress	Yes	Yes
Earthquake, volcanic eruption or lightning	Yes	No
General average sacrifice	Yes	Yes
Jettison	Yes	Yes
Washing overboard	Yes	No
Entry of sea, lake, or river water	Yes	No
Total loss of any package lost overboard or dropped whilst loading or unloading from vessel	Yes	No

Yes: Covered -- No: Not Covered

Typical Policy Inclusions

Marine Cargo Clause A provides coverage for:
1.Coverage for the transit of goods from warehouse to warehouse
2.Coverage for loading and unloading risks
3.Coverage for General Average losses and General Average Contributions
4.Coverage for the risk of war, strikes, riots and civil commotions
5.Coverage for risks of theft, pilferage and non delivery

Principal Exclusions

Marine Cargo Insurance does not cover:
· Ordinary leakage, loss of weight / volume, wear and tear or inherent vice
· Delay, loss of market or consequential loss
· Insufficiency or unsuitability of packing or preparation
· Mechanical, electrical or electronic breakdown or malfunction where no external evidence exists of damage from an insured event
· Rusting, Oxidation, Discoloration, Contamination where no external evidence exists of damage from an insured event


Warehouse to Warehouse

Duration of the Marine Insurance Policy covers transit of goods from warehouse to warehouse as outlined below:

Insured Value

Under Marine Cargo Policy, you may insure CIF+10%
•Cost
•Insurance
•Freight
•10% anticipated profit

Rating Factors

Rate for Marine Cargo Insurance is ranging from 0.1% to 0.2% It however considerable under following factors:

-Kind of Goods / Cargo: general cargo, machinery, etc
-Method of Packing: FCL or LCL
-Type of Vessel: Steel Vessel, TB/BG etc
-Voyage: domestic or overseas
-Terms & Conditions: Clause A, B or C


How to Insure?

It provides Single Voyage or Monthly Declaration
It simply to provide info or documents i.e. copy of Bill of Lading, Invoice and Packing List

For inquiry or to obtain a Quote
Please call me at +628128079130
Or email: imusjab@qbe.co.id


by IMAM MUSJAB at http://ahliasuransi.com/

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Freight Forwarders Liability

Freight Forwarders’ Liability Insurance

Untuk membaca versi bahasa Indonesia, Silakan klik disini

Freight Forwarders

In summay Freight Forwarding Services are to include following sectors:
· Ocean freight forwarder / NVOC
· Air freight forwarder / air cargo agent
· Customs Agent
· Road haulier
· In transit warehousing
· Packing / Consolidating

So Many Claims

Getting goods from point A to B usually involves numerous parties in the supply chain. When things go wrong and substantial losses are incurred, who will be held liable?


Any number of parties can instigate legal proceedings:
· The cargo owner - your customer
· Sub-contractors
· Owners or operators of the vessel, aircraft or truck carrying the cargo
· Authorities
· Third parties to whom you owe a duty of care

Claims can be made under a contract, standard terms of trade, ocean bill of lading or airway bill. Additionally, third party claims in tort, bailment and statutory liabilities can catch you unaware. It is even more difficult when a customer brings a claim against you. After all, the success of your business depends on customer relationships.

What risks do we insure?

Freight Forwarders’ Liability Insurance provides full coverages for all sectors of your services, including but not limited to your transportation services, loss or damage to cargo, consequential loss, misdelivery, delay, fines & duties, and off course third party legal liability (see diagram)

Description of Covers

· Cargo liability
Liabilities arising from physical loss or damage to cargo in your care, custody or control, provided that liability arises from an international transport convention or under an approved contract.
· Liability to customers' equipment
Covers liability for loss or damage to your customers' equipment resulting from your legal liability.
· Liability for consequential loss
Covers liability for consequential loss arising from a cargo or equipment claim made against you.
· Liability for misdelivery of cargo
Covers liability in the event of an error or omission.
· Liability for misdirection costs
Covers liability in the event of an error or omission.
· Liability for delays
Covers liability in the event of an error or omission.
· Liability to general average
Covers liability where cargo interests are required to contribute to general average and salvage and which you are unable to recover from your customer.
· Liability for fines & duties
Covers fines etc for unintentional breaches of regulations relating to cargo, immigration, pollution or work safety conditions.
· Third party legal liability
Covers liability for bodily injury or physical loss or damage to third party property resulting from an accident whilst directly performing your insured service.
· Liability for unintended pollution
Covers liability for sudden & accidental pollution & clean up costs.
· Claim & Legal Costs
Covers the costs of defending and mitigating claims made under the policy.

How to Insure?

To have a Quote for Freight Forwaders Liability Insurance is very easy you just need to complete Proposal Form and submit House Bill of Lading or AirWay Bill, and Company Profile for review

For Inquiry, Please contact: +628128079130
or email: imusjab@qbe.co.id

by IMAM MUSJAB at http://ahliasuransi.com/

Source: http://www.qbe.com/

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Directors & Officers (D&O) Liability Insurance

Directors and Officers Liability Insurance (D&O)

Untuk membaca versi bahasa Indonesianya, Silakan Klik disini

(Why) do Directors and Officers need D&O Liability?

• Increased Personal Responsibility
Directors and Officers can now be personally sued by shareholders, creditors, customers, employees and members of the public

• Increased Litigation
As individuals and companies become more aware of their rights, they are increasingly turning to litigation to cover loss

• Increased Regulation
Company affairs are coming under increasing scrutiny from Government and Industry regulatory bodies. The costs of legal representation during such investigations can be significant, regardless of whether court action follows


(What?) does Directors and Officers Liability Insurance (D&O)



It cover Director or Officer against wrongful act

• Covers any past, present or future Director or Officer or Commissioner, secretary or employee of the Company or any natural person who by virtue of any applicable legislation or law is deemed to be a Director or Officer or Commissioner;

• Against any actual or alleged wrongful act or omission including any misstatement, misrepresentation, breach of trust, breach of duty or breach of warranty of authority committed by an Insured Person (Director or Officer or Commissioner)

D&O provides covers for……………
• Civil Proceedings
• Employee Actions
• Prospectus Liability
• Official Investigations and Inquiries
• Successful Defense of Criminal Proceedings
• Outside Directorships (optional Extension)

D&O provides Automatic Extensions for……………
• Libel and Slander
• Intellectual Property
• Employment Practice Liability
• Automatic Cover for Subsidiaries
• Subsidiary Run-off Cover
• Official Investigations and Enquiries
• Severability and Non-imputation
• Estates and Legal Representatives
• Additional Reporting Period
• Advance Payment of Defense Costs

D&O provides Optional Extensions for……………
• External Positions (Outside Directorships)
• Pollution
• Joint Venture Liability
• Entity Cover

Who are the Insured Person?

any past, present or future

• Director

• Officer

• Commissioner

• secretary

• employee


Who claims against Directors and Officers?

Directors and Officers can now be personally sued by….
• Regulatory Authorities
• Creditors
• Shareholders
• Competitors
• Members of the Public
• Liquidator / Receivers
• Employees
• Customers


• Regulatory Authorities
Surrounded by a climate of accountability, Directors and Officers may be subject of inquiries or prosecutions by government regulatory bodies set up to monitor industry, For example, competition, company and tax authorities are vigilant and may investigate such problem as alleged price fixing by a number of companies, or may prosecute if they suspect that account have been signed which are not a true and fair record

• Creditors
Directors and Officers may be personally liable to creditors for continuing to trade or distributing dividends whilst the company is insolvent.

• Shareholders
Shareholders may bring proceedings in the name of the company against Directors and Officers personally alleging……….
ü Mismanagement of company assets or imprudent loans and investments
ü Failure to arrange adequate insurance
ü Negligent recommendations or incorrect public statements concerning acquisitions, mergers or capital restructuring

• Members of the Public
Claims could be brought by members of the public alleging misrepresentation in the prospectus to entice debenture holders or shareholders to invest in the company

• Competitors
Disgruntled competitors could bring proceedings against Directors and Officers alleging misleading advertising, for example, advertising that unfairly compares the company’s product to that of the competitor’s
………..price fixing;……..dumping of product in the market…, competitors who allege that their business has been adversely affected would be likely to claim against them.

• Liquidator / Receivers
A liquidator / receiver could sue the Directors and Officers on behalf of the company for alleged breaches of duties owed to the company

• Employees
Employees may bring proceedings against Directors and Officers alleging unfair dismissal, discrimination or sexual harassment.

• Customers
Customers may bring actions against Directors and Officers alleging breaches of the consumer laws, for example misrepresentations made in advertising material or deceptive trade practices.


By IMAM MUSJAB at http://ahliasuransi.com/

Source: http://www.qbe.com/

To obtain a quote, proposal or inquiry
Please call: 08128079130
Or email: imusjab@qbe.co.id

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Claim Procedure - Liability

Claims Procedure: PUBLIC and/or PERSONAL LIABILITY CLAIMS

Silakan Klik disini, Untuk membaca versi bahasa Indonesianya

1. Notification of Circumstance

If during the Period of Cover, the Insured becomes aware of any fact or circumstance that may give rise to a Claim, the Insured shall give notice in writing to THE INSURANCE COMPANY of such fact or circumstance, then any Claim which may subsequently arise out of such fact or circumstance shall be deemed to be a Claim made during the Period of Cover. PROVIDED ALWAYS THAT such written notice is given to THE INSURANCE COMPANY during the Period of Cover.


2. Reporting and Notice

a. The Insured shall give to THE INSURANCE COMPANY written notice as soon as practicable of any Claim made against the Insured PROVIDED ALWAYS THAT such written notice is given to THE INSURANCE COMPANY during the Period of Cover.

b. Notice of any Claim shall be given in writing to THE INSURANCE COMPANY,

3. Defence and Settlement

a. The Insured agrees not to settle any Claim, incur any Costs and Expenses, make any admission, offer or payment or otherwise assume any contractual obligation with respect to any Claim without THE INSURANCE COMPANY's written consent, such consent not to be unreasonably withheld. THE INSURANCE COMPANY shall not be liable for any settlement, Costs and Expenses, admission, offer or payment, or assumed obligation to which it has not consented.

b. THE INSURANCE COMPANY shall be entitled at any time to conduct, in the name of the Insured, the defence or settlement of any Claim.

c. THE INSURANCE COMPANY may, if it believes that any Claim will not exceed the Deductible, instruct the Insured to conduct the defence of the Claim. In such situation, THE INSURANCE COMPANY will reimburse the Insured for all reasonable Costs and Expenses in the defence of the Claim in the event that any payment made to dispose of the Claim exceeds the Deductible.

4. Legal Counsel

a. THE INSURANCE COMPANY shall not require the Insured to contest any Claim unless a legal counsel (to be mutually agreed upon by the Insured and THE INSURANCE COMPANY) shall advise that such Claim should be contested.

b. In formulating such advice, legal counsel shall take into consideration the economics of the matter, the damages and costs which are likely to be recovered by the claimant, the likely Costs and Expenses and the prospects of the Insured successfully defending the Claim.

c. The costs of such legal counsel's opinion shall be regarded as part of the Costs and Expenses.

5. Claims Mitigation and Co-operation

a. The Insured shall exercise reasonable care and skill and do and concur in doing all things reasonably practicable to avoid or diminish any liability hereunder.

b. The Insured shall frankly and honestly disclose to THE INSURANCE COMPANY all relevant information and, in addition shall provide assistance to THE INSURANCE COMPANY, as it may require to enable it to effectively investigate and to defend or resolve any Claim under the Policy and/or to enable THE INSURANCE COMPANY to determine its liability under the Policy.

c. Other than Costs and Expenses incurred to enable THE INSURANCE COMPANY to determine its liability under the Policy, compliance with this Condition shall be at the Insured's own cost, unless otherwise agreed in writing by THE INSURANCE COMPANY.

6. Information / Documentation Required

Detailed below are some examples of documentation that is commonly requested by THE INSURANCE COMPANY. This list is not exhaustive and THE INSURANCE COMPANY may request specific items of documentation.

· Claim Form completed with details of loss or damage
· Letter of demand from the third party and all correspondences
· Official accident report (issued by the management)
· Reports of interview or Statements of witnesses
· Drawings to show the location and circumstances of accident
· Lease or other Contractual agreements
· Form, voucher or ticket
· Police report
· Statement of treating doctor (diagnosis)
· Invoices to substantiate the loss
· Picture of damage
· Etc

If you have any question regarding the above, or for claims consultation please contact:
Telp: +628128079130
Email: imusjab@qbe.co.id


by IMAM MUSJAB at http://www.ahliasuransi.com/


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Claim Procedure - Property

Claims Procedure for Property Insurance

Silakan Klik disini, Untuk membaca versi bahasa Indonesianya

It is important to note that when the correct claim procedures are followed by an Insured, it can greatly assist in the smooth and prompt settlement of claim. When claim procedures are not adhered to it can cause delays in settlement and in some circumstances, could allow Insurers to deny the claim.

In particular, we will examine:
(a) How the incident should be reported to THE INSURANCE COMPANY
(b) What immediate action should be taken
(c) What information THE INSURANCE COMPANY will require you to provide to substantiate the claim

Please assure that you follow these procedures:


Reporting the Loss

1. Report the Incident to Claim Department of THE INSURANCE COMPANY immediately not later than 7 days.

Action to be Taken

2. Regardless of whether or not the incident has been reported or a loss adjuster appointed, you must immediately do whatever is necessary to prevent further loss of life or property damage. For example:

· Call the fire brigade, ambulance, police or other emergency services
· If during business hours – ensure the evacuation (if necessary) of all staff and neighbours
· If critical machinery fails – commence search for replacement plant/equipment or service
· Engage a security firm to protect the site (if required)
· Erect temporary protection over broken windows or roofing if possible to do so in safety
· Remove property which is exposed to further damage to a more secure location
· Remove vital business records if possible to do so in safety
· Take plenty photographs of the damage and of any salvageable equipment

The Claim Process

· THE INSURANCE COMPANY will normally appoint a Loss Adjuster to investigate the cause of the loss/damage and determine the settlement amount. Loss Adjuster is independent experts but their services are paid for by THE INSURANCE COMPANY. The Adjuster / THE INSURANCE COMPANY will visit the site at a convenient date and time with you. It is normal for the surveyor to take photographs and interview your personnel regarding the incident. Full cooperation must be extended to the Adjuster / THE INSURANCE COMPANY.

· It will speed up the process if you are able to prepare a chronology of accident/incident and obtain estimates of loss/quotations for repair from the suppliers/contractors and have these items ready for presentation to the Loss Adjuster / THE INSURANCE COMPANY when they visit.

· All requests for documentation will be made in writing, and the Loss Adjuster / THE INSURANCE COMPANY will provide guidance and explanations as required.

· You will be required to provide the documentation requested as soon as possible but if the claim settlement is proceed quickly you should endeavour to submit the documents no later than 15 days after the request is received. In the event that you are unable to provide any item requested by the Loss Adjuster / THE INSURANCE COMPANY you will need to provide a written explanation to THE INSURANCE COMPANY.

· Once received, the Loss Adjuster / THE INSURANCE COMPANY will check the information to ensure it is complete and that it matches what the Loss Adjuster / THE INSURANCE COMPANY has asked for.

· If all is in order, The Adjuster will study the documentation and will submit a report to THE INSURANCE COMPANY detailing the recommended settlement offer. THE INSURANCE COMPANY will advise you of the settlement offer and ask for your approval. This process would normally take about 15 days but if the claim is particularly large or complex this may take longer.

· Once the terms of the settlement offer has been discussed and agreed with you, THE INSURANCE COMPANY will prepare a Discharge Form which they will ask you to sign, prior to their transferring the claim monies within 7 days (on average).

Information / Documentation Required

Detailed below are some examples of documentation that is commonly requested by THE INSURANCE COMPANY. This list is not exhaustive and THE INSURANCE COMPANY may request specific items of documentation.

Buildings

· Drawings, Schematic Diagrams, Site Plans
· Contractors estimates for the repair, reconstruction, replacement of the damaged property on a like for like basis. These estimates need to be itemized to show both the cost of materials and labour costs.
· If you use your own inventory of materials you will need to provide THE INSURANCE COMPANY with invoices / requisitions etc to support this. If your own labour is used you will need to show this at cost plus any usual allowances.
· A reconstruction cost for the building may be required. Adjusters / THE INSURANCE COMPANY will usually need to check the value of the building(s) damaged to ensure that the sum insured is adequate.

Machinery

· Fixed asset list showing all machinery at the insured premise showing new market value (or original purchase cost if insured on indemnity basis). (The Loss Adjusters / THE INSURANCE COMPANY will require this to ensure the sum insured is adequate)
· Original purchase invoice for the machinery / equipment damaged (if available)
· Technical Reports detailing the cause of the loss / damage to the machinery
· If the machine can be repaired – a list of the parts required for repair, along with purchase invoices / quotation etc.
· Details of labour costs of repair work.
· Details of labour costs for installation work.
· Quotation for replacement of the machine / equipment if it cannot be repaired.

Stocks

· Stock records for the 6 months preceding the loss, showing income and outgoing stock
· Sales invoices for stocks for the 6 months preceding the loss
· Inventory of all stocks at the date of loss, detailing the type, make, model, quantity and pricing of each stock items
· Inventory of all stock actually lost or damaged – also detailing the make, model, quantity and pricing of each item lost/damaged
· Drawings to show the location of the stock in the insured premises at time of loss

If you have any question regarding the above, or for claims consultation please contact:

Telp: +628128079130

Email: imusjab@qbe.co.id

by IMAM MUSJAB at www.ahliasuransi.com



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