Banyak yang bingung apakah suatu klaim dijamin dalam Polis General Liability atau Professional Liability?
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- Friday, May 18, 2012, 21:41
- Features, General Liability
Asuransi Tanggung Jawab Hukum Terhadap Pihak Ketiga
Liability Insurance adalah Asuransi yang menjamin tanggung jawab hukum terhadap kerugian yang dialami pihak ketiga
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“Saya mau tanya yang dimaksud dengan warranty pada polis asuransi apa ya Pak?” (hotnida84@yahoo.com)
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Salah satu bank swasta nasional besar mengirimkan surat permohonan pencantuman “Bankers Clause” pada Polis P&I (Protection & Indemnity) atas kapal yang menjadi jaminan kredit pada bank ybs,
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Download pdf version or Read in Bahasa Indonesia or Bilingual
The banking industry has entered an era of unprecedented change that will continue unabated well into the new century.
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- Sunday, April 15, 2012, 16:55
- Professional Indemnity
Professional Liability is liability to third party arising from the performance of or failure to perform professional services
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Bagaimana menghitung proporsi klaim “Collision Liability” antara Polis H&M (Hull & Machinery) dan P&I (Protection & Indemnity)? Ternyata tidak mudah membuat ilustrasi perhitungan klaim “Collision Liability” dimana melibatkan polis H&M dan P&I.
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- Sunday, February 5, 2012, 19:10
- General Liability
Dalam setiap tuntutan tanggung jawab hukum pihak ketiga (Liability) selalu ada cara untuk melakukan pembelaan (defences) mulai dari tidak mengakui tanggung jawab atas peristiwa yang terjadi (denial of liability),
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- Sunday, February 5, 2012, 7:32
- Insurance News, Property Insurance
”Perusahaan kami berada di kawasan Jababeka yang mengalami demo daripada syarikat buruh. Kami udah punyai asuransi business interruption
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- Monday, January 30, 2012, 8:52
- General Liability
Pertanyaan yang sering diajukan klien adalah bagaimana perusahaan asuransi menghitung ganti rugi klaim tuntutan pihak ketiga (liability)?
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- Wednesday, January 11, 2012, 14:16
- All Quotes, General Liability
Comprehensive General Liability (CGL) atau Professional Indemnity (PI) untuk Perusahaan adalah hal yang biasa. Pertanyaan yang sering diutarakan Bisakah Perusahaan Asuransi memberikan jaminan CGL atau PI terhadap individual atau personal?? Why Not?!
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Marine Professional Negligence Insurance (MPI) covers professionals in marine industry for negligent acts, errors or omissions
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- Saturday, December 31, 2011, 19:31
- Hull & Machinery
Diskusi yang menarik terjadi saat saya menjelaskan "Asuransi P&I" kepada salah satu perusahaan
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- Monday, December 26, 2011, 22:30
- General Liability
"OCCURRENCE" means an event, including continuous or repeated exposure to substantially
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- Sunday, December 25, 2011, 9:56
- General Liability
Negligence is a failure to take reasonable care to avoid causing injury or loss to another person.
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- Sunday, October 30, 2011, 18:51
- Hull & Machinery
This insurance shall not be prejudiced by reason of any agreement limiting or exempting the liability of pilots and/or tugs and/or tow boats
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- Sunday, October 30, 2011, 18:36
- Hull & Machinery, Marine Cargo
A general average act is succinctly defined in Rule A of the York Antwerp Rules 1994 as follows:
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Event Cancellation & Abandonment
This insurance indemnifies the Insured parties for costs and expenses incurred to organize and produce an entertainment event should the event be cancelled, abandoned, postponed, curtailed or relocated due to a cause beyond the control of the Insured.
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Klaim asuransi kapal bisa jadi klaim yang paling rumit (dibandingkan dengan jenis asuransi lainnya) dan hal ini bisa berujung pada penolakan ganti rugi / klaim
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Jaminan tambahan yang perlu dipertimbangkan oleh shipowner dalam asuransi kapal (Hull & Machinery) adalah Increased Value (IV) & Anticipated Owners Interests(AOI)
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Entity cover for Critical Occurrence: Cover is available for the company for the cost of engaging a public relations consultant to mitigate damage should the company suffer a drastic fall in its share price within 24 hours due to prescribed events.
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Apakah putusnya jaringan kabel serat optik PT. Telkom dan pipa PAM Palyja yang menyebabkan kerugian miliaran rupiah akibat mesin ekskavator yang tengah mengerjakan proyek pembangunan jalan layang non-tol (JLNT) Kampung Melayu-Tanah Abang tidak sengaja mengeruk tanah yang di dalamnya ada kabel serat optik PT. Telkom dan pipa PAM Palyja dijamin dalam asuransi CAR si kontraktor JLNT??
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- Thursday, April 28, 2011, 8:46
- Marine Cargo
Menarik ‘membaca perdebatan’ di Group BBM Magang 1994 dari pertanyaan rekan Aris W : “Apakah kerusakan barang karena ‘delay’ dimana penyebab dari ‘keterlambatan’ tsb adalah karena terjadi ‘hijacking’ apakah ‘claimable’ dalam ICC “A” (1982)?”
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- Monday, April 25, 2011, 10:07
- Learn More, Risk Management
Pertanyaan menarik dari rekan pembaca AHLIASURANSI.com (sdr. Arnold) sehubungan dengan “Premium Payment Clause LSW3001”
“Premi asuransi facultative asuransi A kepada asuransi B jatuh tempo tanggal 01 April 2011. Asuransi A melakukan pembayaran melalui kliring pada tanggal 31 Maret 2011.
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- Thursday, April 21, 2011, 6:15
- Risk Management
Banyak yang bertanya bagaimana kalau tertanggung telat bayar premi? Apakah polis otomatis batal?
Kebanyakan ‘Penanggung’ tidak memberikan ‘Notice of Cancellation’ jika ‘Tertanggung’ telat atau belum bayar premi. Bagaimana kalau terjadi klaim?
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- Thursday, March 10, 2011, 21:57
- Risk Management
In the early days of marine insurance, the details of a ship or cargo to be insured would be described on a slip. This slip would be taken to Lloyd’s and the person who was to carry the risk would read the details and the sign the slip under
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- Tuesday, February 15, 2011, 11:28
- Risk Management
Pooling yang penulis buat di polldaddy.com menunjukkan kompetisi yang berimbang antara menghubungi langsung ke Perusahaan Asuransi (38.46%), menghubungi Broker Asuransi (33.85%),
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- Sunday, February 13, 2011, 16:45
- Marine Cargo
Hal yang mungkin paling ditakutkan oleh “Tertanggung” dalam hal terjadi klaim Asuransi Pengangkutan Barang (Marine Cargo) adalah jika pihak asuransi “menolak” dengan alasan kerusakan kargo disebabkan oleh “Exclusion 4.3. loss damage or expense caused by insufficiency or unsuitability of packing…”
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- Sunday, February 13, 2011, 16:42
- Marine Cargo
Pertanyaan yang selama ini menjadi perdebatan dikalangan praktisi asuransi marine cargo, Apakah “Loading-Unloading” dijamin di ICC 1/1/82 (Institute Cargo Clauses 1/1/82)?
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Surprising to have a question “How to calculate a Business Interruption claim?” Berapa yang anda akan bayar? salam sesi presentasi penutupan asuransi “Property All Risks”.
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- Tuesday, January 18, 2011, 14:36
- Workmen's Compensation
Kita sering dihadapkan pada Jaminan “Workmen Compensation” : Pertamina Benefits in excess of Jamsostek. Apa artinya? Artinya bahwa Polis Workmen Compensation memberikan Jaminan Kecelakaan Kerja (JKK)
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- Tuesday, January 18, 2011, 11:19
- Workmen's Compensation
Pengertian
Kecelakaan kerja termasuk penyakit akibat kerja merupakan risiko yang harus dihadapi oleh tenaga kerja dalam melakukan pekerjaannya. Untuk menanggulangi hilangnya sebagian atau seluruh penghasilan yang diakibatkan oleh adanya risiko-risiko sosial seperti kematian atau cacat karena kecelakaan kerja baik fisik maupun mental,
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a “claims made policy” – No claim can be made against the policy after the expiry date stated in the Schedule. the policy is not a renewable contract.
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- Monday, January 10, 2011, 12:18
- Professional Indemnity
Civil Liability wording covers “civil liability” incurred by the Insured in the conduct of the Insured’s business
Simply speaking, civil liability is a civil law requirement to compensate another because of an unlawful injury to his/her person or property
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Technology E&O – “Internet Content” – A health system accidentally posted the medical records of thousands of patients on the Internet. A class action suit was filed for alleged emotional distress of the effected patients.
Loss: The class action seeks damages in excess of $10 million and the federal government has notified the system to prepare for an investigation under HIPAA.
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- Tuesday, December 21, 2010, 9:12
- Freight Forwarders Liability
1. Prinsip tanggung jawab berdasarkan kesalahan (fault liability)
2. Prinsip tanggung jawab berdasarkan praduga (presumption of liability)
3. Prinsip tanggung jawab mutlak (absolute / strict liability)
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- Tuesday, December 21, 2010, 9:05
- Freight Forwarders Liability
What is a Bill of Lading?
1) It is a Document of Title (bukti kepemilikan barang)
2) It is an evidence of a contract of affreightment (kontrak pengangkutan)
3) It is an evidence of cargo being carried onboard a ship,
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Jaminan kerugian, kerusakan atau kekurangan barang muatan (Cargo Liability) adalah salah satu jenis jaminan dalam polis Protection & Indemnity (P&I). Jaminan Cargo Liability sangat penting terutama untuk jenis kapal barang seperti Cargo ships, Tankers, maupun Barges dan kapal-kapal lainnya yang memuat kargo milik pihak ketiga.
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Penyitaan kapal dapat bersifat sementara berupa penundaan keberangkatan kapal disuatu pelabuhan tertentu ataupun dapat berupa sita tetap atas kapal maupun muatannya. Dapat dibayangkan, apabila terjadi penahanan kapal – walau hanya sehari, maka biaya opearsional yang dikeluarkan akan sangat mahal. Bahkan melebihi nilai klaim yang dituntut.
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- Thursday, July 15, 2010, 6:40
- Risk Management
Sering orang mempersamakan pengertian Risiko dengan Peril dan Hazard. Memang ketiga istilah tersebut berkaitan erat satu sama lain akan tetapi berbeda dalam pengertian. Peril adalah suatu peristiwa yang dapat menimbulkan kerugian, sedangkan Hazard adalah keadaan yang dapat memperbesar kemungkinan terjadinya suatu peril.
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- Thursday, July 15, 2010, 6:27
- Risk Management
Risiko sendiri juga merupakan inti dari pada kehidupan itu sendiri, sehingga banyak orang dengan latar belakang yang berbeda sangat memperhatikan masalah ini. Ekonom, Dokter, Psykologis, Pengusaha, llmuwan dan lainnya mempunyai kepentingan dalam konsep risiko, sehingga sudah banyak definisi-definisi risiko yang diperkenalkan oleh para ilmuwan tersebut, seperti tercantum di bawah ini:
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- Wednesday, June 2, 2010, 22:38
- Hull & Machinery
Introduction
Collision is one of the few areas where third party liabilities may be covered by the hull policy. Traditionally, the English hull policy covered 3/4ths of the collision risks and the P&I Clubs the remaining 1/4th.
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Under the Rules of the Club, cover of a vessel’s liabilities for loss of, damage to, or interference with rights in relation to any fixed or moveable property whether on or above, in or below land or water.
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Assume that both vessels in an example collision are insured for 3/4th collision liability with their hull underwriters and for 1/4th with their P&I Clubs. In the example vessel A is 75% to blame for the collision and vessel B is 25% to blame.
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- Tuesday, May 11, 2010, 14:38
- Protection & Indemnity
Subject to the direction and discretion of the Underwriter, the Assured shall be indemnified by the Underwriter against its reasonable costs and expenses, arising from event occurring during occurring the Period of Insurance and incurred by the Assured in respect of the operation of the Insured Vessel.
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Selama lebih dari 100 tahun P&I Club adalah satu-satunya yang menyediakan jaminan Protection & Indemnity namun kini juga telah hadir jaminan P&I yang diberikan oleh perusahan Asuransi yang disebut Fixed Premium P&I
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Sometimes the Additional Insured misunderstands the nature of coverage bestowed by an Additional Insured endorsement. Sometimes too the insurer misunderstands the separate nature of the coverage provided to the Additional Insured for certain claims.
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In Stolberg v. Pearl Assurance Co. S.C.R. 1026, three construction companies were the Named Insured under a CGL policy and the president of the companies was added to coverage by way of a separate endorsement which read:
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Banyak sekali rekan maupun klien yang bertanya apakah yang dimaksud dengan Total Loss? Apakah kerusakan 75% dapat klaim Total Loss? Berapa klaim yang dibayar? Market value atau Insured value?
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