Workmen Compensation adalah Asuransi Tenaga Kerja yang memberikan perlindungan dengan skala benefit yang lebih besar dari Jamsostek, skala benefit dapat disesuaikan dengan kemampuan perusahaan dalam memberikan “kenyamanan” terhadap tenaga kerja, Skala benefit yang paling populer adalah yang dikenal dengan nama “Pertamina Benefits”   Employers Liability adalah Tanggung Jawab Hukum Pemberi Kerja (employers) terhadap Tenaga Kerja (employees) sehubungan dengan kecelakaan kerja (bodily injury) atau penyakit (disease) yang diakibatkan oleh kelalaian pemberi kerja didalam menyediakan standard keamanan yang seharusnya disediakan atau dipersyaratkan oleh undang-undang atau peraturan yang berlaku.   0 comments

Professional Indemnity (PI) Insurance menjamin tanggung jawab hukum profesi untuk para professional seperti construction consultant, engineer, architect, interior design, surveyor, insurance agents, brokers, financial adviser, solicitor, accountant, lawyer, business consultant dan berbagai jasa professional lainnya.   0 comments

Commercial General Liability (CGL) Insurance menjamin tanggung jawab hukum terhadap pihak ketiga sehbungan dengan aktivitas pekerjaan atau bisnis, CGL umumnya meliputi Public Liability, Product Liability, Completed Operation, Workmen Compensation, Employers Liabiity, Automobile Liability, Umbrella, Excess of Loss Liability dan lain-lain 1 comment

Prita & Manohara, nama 2 orang perempuan ini tiba-tiba mencuat, menghiasi headlines media cetak dan elektronik dalam beberapa minggu, mengalahkan berita provokasi tentara Malaysia di Ambalat, mengalahkan berita kecelakaan Air France yang dasyat bahkan menyaingi dan menjadi bagian berita kampanye Capres-Cawapres   Saya tidak mau latah menulis sensasi berita itu di AHLIASURANSI.com namun yang menarik adalah bagaimana suatu tuntutan atas dugaan pencemaran nama baik dapat menjadi suatu perkara yang besar dan berdampak luar biasa…   0 comments

Asuransi Malpraktek Medis (Medical Malpractice Insurance) menjamin Tenaga Medis atau Rumah Sakit atau Institusi Medis lainnya dari suatu tindakan malpraktek yang terjadi akibat suatu kesalahan atau kelalaian suatu tindakan medis yang dapat mengakibatkan cidera badan, sakit atau penyakit, kerusakan mental atau berakibat kematian pada pasien   Medical Malpractice Insurance wajib dimiliki oleh  para dokter dan praktisi medis, rumah sakit, klinik, praktek dokter, laboratorium, farmasi, perawat, physiotherapist, traditional Chinese medicine physician, dan kegiatan medis lainnya   0 comments

It cover Director or Officer 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) including (1) compensatory damages awarded against the company directors and officers, (2) out-of-court settlements, (3) defense costs and expenses, and (4) costs of appointing legal expertise.       D&O provides covers for…………… • Civil Proceedings • Employee Actions • Prospectus Liability • Official Investigations and Inquiries • Successful Defense of Criminal Proceedings • Outside Directorships (optional Extension) 0 comments

As you know, cover for P&I liabilities may be by choice or dictated by Regulations. Let's look at the potential liabilities of an owner of a barge which we all know of;   (1) Liabilities towards any loss/damage to cargoes carried on board   Under the Carriage of Goods by Sea Act (COGSA), an operator/owner of a barge who issues a bill of lading will be deemed as carriers responsible for the obligations towards the owners of the cargo, even though the barge is under tow and unmanned. This is because the vessel named on the bill of lading is the barge and not the tug. Thus a party who would be liable under COGSA is the carrier and if the carrier is the owner of the barge, then this is where the liability rests.   If the barge is under charter, then usually the charterer issues the bill of lading as carrier in which case any loss/damage due to the unseaworthiness of the barge would be allocated under the charter party between owner and the charterer.   0 comments

The impact of the global credit crisis on the shipping industry is substantially reducing ship values and thereby increasing the proportion of Salvage and GA costs allocated to cargo insurers. We anticipate that this will continue for at least the next 18 months.   Contributions towards Salvage services are calculated pro rata to salved values. Similarly, contributions towards General Average loss are calculated pro rata to sound arrived values at the port(s) of destination. Over the last two decades, cargo values have (on average) steadily increased and therefore Cargo Insurers are bearing an increasing share of these expenses.   0 comments

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   0 comments

Asuransi Kontainer (Container Insurance) menjamin kerusakan atau kerugian pada Kontainer baik saat di dek, di laut (kapal), di angkutan darat atau dimana saja dalam batas teritoral yang diizinkan, jaminan atas Asuransi Kontainer (Container Insurance) terdiri dari All Risks dan Total Loss, namun mengingat penyebaran dan area pengangkutan melalui container, jaminan yang sering diberikan adalah Total Loss Only   1 comment

Asuransi Protection & Indemnity (P&I) menjamin tuntutan hukum pihak ketiga dalam hal terjadi kerugian yang ditimbulkan dalam pengoperasian kapal.   Jaminan P&I meliputi: 1.       Cargo Liability: Jaminan terhadap kerusakan kargo yang diangkutnya 2.       Crew Liability: Jaminan terhadap cidera badan dan kematian awak kapal 3.       Collision Liability: Jaminan risiko tabrakan kapal terhadap kapal lain, kargo yang dimuat ataupun terhadap benda-benda lainnya 4.       Pollution Liability: Jaminan terhadap klaim kerusakan lingkungan atau polusi 5.       Other Claims: Klaim-klaim yang lain seperti biaya-biaya penyelamatan pengangkatan bangkai kapal, dan lain-lain Termasuk biaya-biaya hukum, survey dan pemeriksaan lainnya   0 comments

Hull & Machinery (H&M) Insurance covers loss or damage to vessel’s hull and machinery against perils of the seas and navigational perils. Covers are provided under Institute Times Clauses – Hull, Clause 280 (All Risks), Clause 284 (Total Loss + 3/4 RDC) and Clause 289 (Total Loss Only) plus a set of clauses   1 comment

Marine Cargo Insurance covers your moving cargo from one place to another by sea, air or inland transit covers are provided under Institute Cargo Clause “A” (ICC “A”), ICC “B” or ICC “C”. Clause “A” covers all risks whist Clause “B” and “C” cover named perils.   Marine Cargo Insurance is normally issued on single voyage or on open cover   0 comments