- Wednesday, December 30, 2009, 10:37
- Maritime Casualty, News
Rabu, 04/03/2009 00:00 WIB
PT Delimuda banding kasus klaim asuransi kapal tongkang
JAKARTA: PT Delimuda Nusantara mengajukan upaya hukum banding atas putusan Pengadilan Negeri Jakarta Pusat terkait dengan perkara pembayaran klaim asuransi kapal tongkang yang hilang akibat pembajakan."Sudah, kita sudah menyatakan banding ," ujar Evalina, salah satu kuasa hukum PT Delimuda Nusantara, dalam pesan singkat yang diterima Bisnis, kemarin.
Evalina menyebutkan upaya hukum banding itu dilakukan karena pihaknya berkeberatan dengan putusan majelis hakim yang hanya memerintahkan PT Asuransi Purna Artanugraha membayar ganti rugi US$428.570 (sekitar Rp3,942 miliar, dengan kurs US$1=Rp9.000), pada PT Delimuda Nusantara.
Salah satu poin keberatan pihaknya, kata Evalina, adalah nilai jumlah ganti rugi yang diputuskan majelis hakim yang dipimpin Reno Listowo hanya US$428.570.
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- Wednesday, December 30, 2009, 10:35
- Maritime Casualty, News
Jumat, 24/04/2009 00:49 WIB
Bosowa digugat soal Asuransi. PT Pewete tuntut ganti rugi US$291.140
JAKARTA: PT Pewete Bahtera Kencana menggugat? PT Asuransi Bosowa Periskop melalui Pengadilan Negeri Jakarta Selatan terkait dengan pembayaran klaim asuransi kapal.
Selain menggugat Asuransi Bosowa, PT Pewete juga menyertakan PT Fistlight Indonesia sebagai turut tergugat. Gugatan itu terdaftar di Kepaniteraan Pengadilan Negeri Jakarta Selatan, pada 28 Januari 2009.
Dalam surat gugatannya, PT Pewete menuding PT Asuransi Bosowa telah wanprestasi (ingkar janji) dalam pembayaran klaim asuransi senilai US$265.590,35.
Selain menuntut pembayaran klaim asuransi tadi, perusahaan itu juga menuntut ganti rugi immateriel 10% dari nilai klaim, yakni US$26.559,03. Total tuntutan sekitar US$291.140
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- Thursday, December 24, 2009, 9:40
- M A R I N E, Marine Cargo Insurance
Institute Cargo Clauses 01/01/2009
Following an extensive period of world-wide consultation going back to 2006, the Joint Cargo Committee released revised Institute Cargo Clauses A, B and C, along with accompanying Institute Cargo Clauses War and Institute Cargo Clauses Strikes, on 24 November 2008.
The new clauses are dated 1 January 2009
Wordings
Copies of the revised clauses, both in "clean" and in "specimen" format can be accessed via the links below:
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- Wednesday, December 23, 2009, 17:48
- Civil Engineering Completed
Civil Engineering Completed Risks
Please download here
CECR pol.pdf
Clause1000.pdf
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- Wednesday, December 23, 2009, 17:46
- Comprehensive Project (CPI)
Contractors’ All Risks (CAR) Insurance
CAR_pol Contractors All Risk...
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Erection All Risks (EAR) Insurance
EAR pol.pdf Erecion All Risks Policy
AloP Section.pdf Advanced Loss of Profit
EAR Clauses
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Aero Engine Insurance
wordings, please download here:
Aero Engine Ins pol.pdf
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Boiler & Pressure Vessel Policy
wordings, Please download here:
Boiler & Pressure Vessel Pol.pdf
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- Tuesday, December 22, 2009, 13:51
- Machinery Insurance
Machinery Insurance
What can be insured?
All types of machinery, apparatus, electrical equipment and technical plant can be covered under machinery insurance, such as power generating units (boilers, turbines, generators, gas turbines), power distribution plant (transformers, high- and low-voltage switchgear), production machinery and technical plant and equipment (machine tools, weaving looms, paper machines, kneaders, pumps, compressors, heat exchangers, tanks, apparatus, piping, etc.)
Claims under machinery insurance mostly arise from one of the following causes:
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Engineering Insurances
Contractor's All Risks Insurance
Provides comprehensive protection against:
loss of or damage to the Under-construction projects
Construction Plant and Equipment and Machinery
Third party liability against Property damage and bodily injuries
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Comprehensive machinery (CM) insurance
Section 1 . Operational material damage
Section 2 . Operational business interruption
Schedule
Comprehensive machinery (CM) insurance – Endorsements
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- Sunday, December 20, 2009, 22:21
- Machinery Insurance
The trend in recent years has shown that more and more insureds are looking for “all risks” cover. Demand for classic “all risks” insurance with different independent policies is falling in the market as it offers insufficient clarity as far as gaps in cover and overlapping cover are concerned.
Main features of comprehensive machinery insurance
The new policy offers “all risks” cover of a predominantly engineering nature, particularly against machinery breakdown, fire, lightning and chemical explosion, as well as natural perils for the entire insured plant, with only a few property exclusions and excluded perils. In addition, optional business interruption cover can also be granted in respect of loss of profits, including increased cost of working, or in respect of specified standing charges (Section 2 of the policy). The cover is clearly described and easy to understand thanks to its structured content and layout. Important definitions are given at the beginning. The scope of cover is up to date and comprehensive, and can be adapted to the specific features of a risk by means of a series of clauses.
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Protocol (SDR Protocol) amending the International Convention for the Unification of Certain Rules of Law relating to Bills of Lading of 25 August 1924 (The Hague Rules) as amended by the Protocol of 23 February 1968 (Visby Rules), 21 December 1979 (SDR Protocol 1979)
The limit under SDR Protocol 1979 - 2 SDRs per kg or 666.67 SDRs per package, whichever is higher
What is the value of an SDR?
How can one calculate the value of an SDR?
What is today's value of the SDR?
Where can I get more information?
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- Wednesday, December 9, 2009, 20:58
- General Accident
Product Liability Overview
Most defective product claims fall into one of three broad categories: negligence, strict liability, or breach of warranty.
Negligence
Any individual involved in the design, manufacture, or distribution of a product has a duty to provide a safe product. If one of these individuals fails to exercise reasonable care, and their action (or inaction) results in injury, he or she can be held liable. Negligence claims under product liability law include design errors, careless mistakes in the manufacturing of a product, and failure to warn consumers of the dangers associated with a product.
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Paramount Clause under “Bill of Lading” is very important to establish your Limit of Liability (Carriers Responsibility). Please check your reversed side B/L and see what’s your “Paramount Clause”.
In respect of carriage of goods by sea, there are currently four international conventions:
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- Tuesday, December 8, 2009, 11:24
- News
Pialang asuransi dilarang memungut, menerima, menahan, atau mengelola premi asuransi atau kontribusi takaful. Pembayaran premi akan dilakukan nasabah langsung kepada perusahaan asuransi untuk menekan perselisihan yang mungkin timbul akibat keterlambatan pembayaran premi.
Hal ini masuk sebagai salah satu poin dalam Rancangan Undang-undang (RUU) revisi UU Usaha Perasuransian No. 2/1992 yang saat ini sedang dibahas pemerintah dengan melibatkan pelaku industri.
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- Tuesday, December 8, 2009, 11:20
- Property Insurance
Setelah melalui diskusi, perdebatan dan banyak pertanyaan, “Trik Memecah Belah” Polis Asuransi Gempa Bumi sebagaimana banyak diajukan oleh Broker Asuransi untuk menghindari ketentuan Deductible 2.5% of TSI terjawab sudah.
AAUI melalui Surat Edaran No. 74/AAUI/XI/09 tertanggal 25 November 2009 meng-klarifikasi Aplikasi Deductible untuk Klaim Asuransi Gempa Bumi pada Polis Standar Asuransi Gempa Bumi Indonesia (PSAGBI) yang pada intinya menegaskan bahwa:
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- Saturday, December 5, 2009, 23:47
- Liability Casualty, Liability Corner
Kepolisian Daerah Sumatra Utara mengungkap penyebab kebakaran di pusat hiburan M City, Medan, Sumatra Utara, yang menewaskan 20 orang. Sabtu (5/12), polisi menangkap seorang tersangka kasus tersebut. Polisi membekuk Sukarman. Menurut Sukarman, sebelum kejadian ia bersama dua rekannya tengah memasang karpet dengan menggunakan lem. Mereka menemukan karpet yang berserat. Bukannya dipotong dengan gunting, mereka justru menggunakan korek. Seketika api menyala dan menyambar sisa lem yang mengandung bahan kimia.
Apakah Sutarman Harus Bertanggung Jawab?
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- Saturday, December 5, 2009, 22:39
- Liability Casualty
Liputan6.com, Medan: Kepolisian Daerah Sumatra Utara mengungkap penyebab kebakaran di pusat hiburan M City, Medan, Sumatra Utara, yang menewaskan 20 orang. Sabtu (5/12), polisi menangkap seorang tersangka kasus tersebut.
Sukarman, seorang pekerja harian lepas, diringkus di kediamannya di kawasan Batang Kuis, Deli Serdang. Pria berusia 33 tahun itu mengaku, kebakaran terjadi karena perbuatannya. Namun, menurutnya, tidak sengaja.
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- Tuesday, October 20, 2009, 22:42
- Property Insurance
Seringkali penulis mendapat pertanyaan seperti ini? Apakah Average (Under-Insurance) berlaku untuk klaim Total Loss? Tidak hanya dari “orang awam” bahkan dari rekan-rekan sesame “orang Asuransi”.
Sebagian besar menjawab “Tidak Berlaku”. Why? Karena maksimum ganti rugi adalah sebesar Harga Pertanggungan (TSI).
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- Wednesday, October 7, 2009, 22:01
- Insurance News
JAKARTA, KOMPAS.com - Badan Pengawas Pasar Modal dan Lembaga Keuangan seharusnya sudah menjatuhkan sanksi kepada Bakrie Life sejak tahun 2008 karena tidak mengindahkan peringatan untuk mengurangi agresivitas dalam berinvestasi di saham. Bapepam-LK juga seharusnya mengumumkan kepada publik bahwa produk yang ditawarkan Bakrie Life adalah produk berisiko tinggi sehingga masyarakat mengantisipasinya.
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- Wednesday, October 7, 2009, 21:46
- Liability Casualty
Rabu, 07 Oktober 2009 | 16:40 WIB
TEMPO Interaktif, Jakarta - Klaim asuransi akibat gempa Sumatera Barat diperkirakan lebih dari Rp 400 miliar. Demikian disampaikan Frans Sahusilawane, Presiden Direktur Asuransi Maipark, perusahaan pool asuransi gempa Indonesia.
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- Monday, September 14, 2009, 10:08
- Personal Accident
Mudik Lebaran..? Naik pesawat, kapal laut, bis, kereta api, bahkan sepeda motor…menempuh jarak puluhan bahkan ratusa kilometer…macet, berdesakan, lalu lintas semrawut..? Awas Kecelakaan..!!
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- Monday, September 14, 2009, 10:03
- Home Insurance, Property Insurance
Kebakaran dan Kemalingan sering terjadi ketika rumah ditinggalkan para penghuninya untuk mudik lebaran…di kota-kota besar seperti Jakarta, ketika semangat kebersamaan dan bertetangga dikalahkan oleh sikap individualisme, rumah kadang ditinggalkan tak berpenghuni untuk beberapa hari lamanya.
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- Wednesday, September 9, 2009, 6:00
- Property Insurance
Banyak klien kecewa dan marah-marah ketika mengetahui bahwa klaim kerusakan/kerugian atas bangunan dan harta benda mereka tidak dibayar oleh Asuransi dengan alasan bahwa nilai kerugian masih dibawah deductible.
Deductible atau potongan klaim atau risiko sendiri atas klaim kerugian akibat gempa bumi adalah 2.5% dari Total Harga Pertanggungan (TSI)
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- Sunday, September 6, 2009, 17:21
- Property Insurance
Indonesia kembali dilanda gempa bumi, Gempa besar berskala 7,3 skala Richter, Rabu 2 September 2009 yang menguncang wilayah Jawa Barat kembali membawa korban jiwa dan kerusakan harta benda.
Apakah kerugian akibat gempa bumi dijamin Asuransi??
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The Rotterdam Rules 2008 is scheduled to be opened for signature (ratification) by state parties to the United Nations on 23 September 2009.
The key points to The Rotterdam Rules 2008:
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- Monday, August 24, 2009, 12:27
- Maritime Casualty
JAKARTA: Direktorat Jenderal Perhubungan Laut Departemen Perhubungan pada Januari-Agustus 2009 melimpahkan 23 berkas kasus kecelakaan kapal kepada Mahkamah Pelayaran untuk persidangan di instansi penegak hukum keselamatan pelayaran itu.
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- Saturday, July 18, 2009, 8:13
- Property Insurance
Meletusnya huru-hara Mei 1998 telah menimbulkan disputes atas jaminan polis Asuransi kerugian apakah peristiwa tersebut termasuk Kerusuhan, Huru-Hara, Terrorisme, Sabotase, Pemberontakan atau Revolusi?
Sejak itulah AAUI mengeluarkan Definisi yang secara tegas dicantumkan di dalam polis.
Berikut Definisi Kerusuhan, Pemogokan, Penghalangan Bekerja, Perbuatan Jahat, Huru-hara, Pembangkitan Rakyat, Pengambil-alihan Kekuasaan, Revolusi, Pemberontakan, Kekuatan Militer, Invasi, Perang Saudara, Perang dan Permusuhan, Makar, Terorisme, Sabotase atau Penjarahan; yang terdapat dalam PSAKI (Polis Standar Asuransi Kebakaran Indonesia)
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Terkait tulisan sebelumnya
Ledakan Bom di JW Marriott dan Ritz-Carlton Dijamin Asuransi??
Lalu polis apa yang menjamin risiko Terrorisme dan Sabotage?
The one and only is… “Terrorism and Sabotage Insurance” alias Asuransi Terorime dan Sabotage
Polis Standar baik itu Standar Indonesia maupun Standar Munich Re wordings, bahkan Endorsement 4.1B (RSMDCC) pun tidak menjamin kerugian atau kerusakan yang disebabkan oleh aksi terorisme dan sabotase.
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Ledakan bom kembali mengguncang hotel JW Marriott dan Ritz-Cartlon di Mega Kuningan, Jakarta hari Jum’at 17 Juli 2009.
Presiden dan Pihak yang berwenang telah menyatakan bahwa ledakan merupakan bom bunuh diri terkait aksi terorisme bahkan pihak kepolisian sudah mengindentifikasi pihak-pihak yang diduga terlibat aksi terorisme tersebut.
Apakah ledakan bom atau aksi terorisme tersebut dijamin dalam Asuransi?
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- Tuesday, July 14, 2009, 21:42
- ALOP/DSU
A Marine-cum-Erection or Contractor's All Risk policy covers only physical damage to property which, at best, covers the expenses incurred for repairing or replacing the damaged property.
Highlights
A Marine- cum -Erection or Contractor's All Risk policy covers only physical damage to property which ,at best, covers the expenses incurred for repairing or replacing the damaged property. But what about the financial loss suffered due to delay in commissioning the project ? More so, when your repayment schedule, on loans taken, are linked to the income earned after the scheduled commissioning?
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- Tuesday, July 14, 2009, 21:37
- Marine Cum EAR/CAR
This is a comprehensive policy covering all physical risks which a project is exposed to.
Highlights
This is a comprehensive policy covering all physical risks which a project is exposed to right from the warehouse of the supplier of equipments - whether imported or indigenous - to its erection, testing and commissioning at the site.
In case the supplier has arranged transit insurance upto the site, a Storage cum erection policy can be issued limiting coverage to risks that the project is exposed to at the site only.
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A question some times arise in marine cargo insurance if a claim is attributable to risks of Jettison or Washing over board?
Jettison
The deliberate throwing overboard of cargo, or of part of the vessel's superstructure, equipment or stores, in the event of an emergency. Cargo or equipment might be jettisoned to lighten a vessel to relieve it from a strand, to stabilize it during a storm, or to get rid of flammables or explosives during a fire. (Washing overboard is the accidental loss of equipment or cargo overboard due to the action of the elements.)
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- Monday, July 13, 2009, 11:43
- Property Insurance
Should the Business Interruption risk be insured on a Gross Profit or Gross Revenue basis? We are often presented with this issue.
The answer requires an understanding of "Gross Profit" and "Gross Revenue".
Gross Profit is just a level of earnings. This level varies between accountants and industries. For insurance purposes only one level of Gross Profit is relevant.... that which is defined in the insurance policy.
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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.
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- Thursday, July 9, 2009, 9:34
- Hull & Machinery, Marine Cargo
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.
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- Sunday, July 5, 2009, 9:23
- Surety Bond
Salah satu produk penjaminan yang ada di perbankan adalah Garansi Bank (bank guarantee). Sedangkan perusahaan asuransi juga menerbitkan produk penjaminan dengan nama Surety Bond. Namun dibandingkan dengan Surety Bond, terdapat beberapa persyaratan Garansi Bank yang tidak dapat dipenuhi oleh Principal, salah satu diantaranya adalah persyaratan agunan fisik yang besarnya minimal senilai Garansi Bank tersebut. Disisi lain, pihak perbankan dapat menerima agunan non fisik yang dapat dipertanggung jawabkan, salah satu diantaranya adalah corporate guarantee.
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- Sunday, July 5, 2009, 9:17
- Surety Bond
I. PENGERTIAN SURETY BOND
Surety Bond adalah suatu perjanjian dua pihak yaitu antara Surety dan Principal, dimana pihak pertama (Surety) memberikan jaminan untuk pihak kedua (Principal) bagi kepentingan pihak ketiga (Obligee) bahwa apabila Principal oleh sebab sesuatu hal lalai atau gagal melaksanakan kewajibannya sesuai dengan yang diperjanjikan dengan Obligee, maka Surety akan bertanggung jawab terhadap Obligee untuk menyelesaikan kewajiban-kewajiban Principal tersebut
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- Sunday, July 5, 2009, 7:29
- Surety Bond
Suretyship Adalah suatu bentuk Penjaminan dimana Perusahaan Asuransi (Surety Company) menjamin Principal (kontraktor/vendqr/supplier/ konsultan/perusahaan) akan melaksanakan kewajiban atas suatu prestasi / kepentingan kepada Obligee (Bouwheer / Beneficiary) sesuai kontrak/perjanjian antara Principal dan Obligee dan atau ketentuan perundang-undangan yang berlaku.
Pihak-pihak yang terkait dan hubungan-hubungannya dalam Suretyship digambarkan sebagai berikut:
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Kamis, 11 Juni 2009 | 14:21 WIB
TEMPO Interaktif, Jakarta:Ibu bayi kembar yang diduga menjadi korban malpraktek RS OMNI Alam Sutra, Tangerang, mengaku merasa diteror pihak manajemen RS OMNI. “Mereka berkali-kali menelpon saya. Saya merasa terganggu,” kata Juliana, ibu dari bayi kembar bernama Jared dan Jayden itu, lewat telepon, hari ini.
Menurut Juliana, dia melahirkan prematur di rumah sakit RS OMNI pada 26 Mei 2008. Saat itu usia kandungannya baru 33 minggu. Petugas medis memasukan anaknya ke dalam inkubator. Beberapa hari setelah itu, salah satu putranya didianosi menderita kebutaan. “Yang mengalami kebutaan Jared, sedangkan Jayden silender dua setengah,” kata Juliana.
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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
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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”
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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.
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Jaminan Polis umumnya mengacu pada
Polis Standar Asuransi Kendaraan Bermotor Indonesia (PSAKBI) dan biasanya perusahaan Asuransi menjualnya dalam bentuk paket Jaminan dengan beberapa benefit tambahan yang terdiri dari Jaminan Comprehensive (All Risks) atau Total Loss Only (TLO):Asuransi Kendaraan Bermotor
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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
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Asuransi Property All Risks Insurance (PAR/IAR) adalah jenis Asuransi yang paling popular dibandingkan dengan jenis Asuransi lainnya, karena Menjamin semua risiko kerugian kecuali beberapa risiko saja yang tercantum dalam pengecualian.
Jaminan Asuransi Property All Risks (PAR) termasuk:
· Jaminan untuk Kerusuhan, Pemogokan, Perbuatan Jahat dan Huru Hara
· Jaminan untuk Angin Topan, Badai, Banjir dan Kerusakan akibat Air
· Jaminan untuk Gempa Bumi, Letusan Gunung Berapi dan Tsunami
· Jaminan untuk Tanah Longsor dan Pergerakan Tanah
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Asuransi Kecelakaan Diri (Personal Accident) menjamin risiko Kematian, Cacat Tetap, Cacat Sementara, Biaya Perawatan dan atau Pengobatan yang secara langsung disebabkan oleh suatu kecelakaan
Kecelakaan menurut Polis Standar Asuransi Kecelakaan Diri Indonesia adalah suatu kejadian atau peristiwa yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia, yang datangnya secara tiba-tiba, tidak dikehendaki atau direncanakan, termasu keracunan, mati lemas attau tenggelam.
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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
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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…
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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
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Information & Communication Technology (ICT) Liability Insurance provide scope of cover against:
· Errors and Omissions
Indemnifies professional against legal liability for any claim in respect of negligent acts, errors or omissions incurred in the provision of information & communication technology plus legal costs and expenses
· Personal Injury and Property Damage
Indemnifies professional against the amount which he/she becomes legally liable to pay by way of compensation in respect of (1) Personal Injury and (2) Property Damage plus legal costs and expenses
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Asuransi Uang (Money Insurance) menjamin risiko-risiko pengambilan / penyetoran uang (money in transit) dan juga penyimpanan uang (money in safe)
Berikut contoh
Quotation – Asuransi Uang (Money Insurance)
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Asuransi Paket Toko (
Shop Package) umumnya memberikan jaminan yang lengkap terhadap rumah beserta isinya yang meliputi Jaminan terhadap risiko-risko:
§ FLEXAS (Kebakaran, Petir, Ledakan, Kejatuhan Pesawat Terbang dan Asap).
§ RSMD 4.1A + CC (Kerusuhan, Pemogokan buruh dan Huru-hara)
§ GEMPA BUMI (Gempa Bumi, Letusan Gunung Berapi, dan Tsunami).
§ FTSWD (Banjir, Taufan, Badai, Kerusakan Akibat Air)
§ TABRAKAN KENDARAAN (Tabrakan atau benturan oleh Kendaraan, Binatang, Pohon Tumbang, Antena atau Parabola)
§ BURGLARY (Pencurian dengan Kekerasan).
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Asuransi Rumah Tinggal (
Home Package) umumnya memberikan jaminan yang lengkap terhadap rumah beserta isinya yang meliputi Jaminan terhadap risiko-risko:
· FLEXAS (Kebakaran, Petir, Peledakan, Kejatuhan Pesawat Terbang dan Asap).
· RSMD 4.1A (Kerusuhan, Pemogokan dan Akibat Perbuatan Jahat).
· CC (Huru-hara).
· BURGLARY (Pencurian dengan Kekerasan).
· BIAYA AKOMODASI SEMENTARA.
· BIAYA PEMADAMAN KEBAKARAN DAN PEMBERSIHAN PUING-PUING.
· EQVET (Gempa Bumi, Letusan Gunung Berapi, dan Tsunami).
· FTSWD (Banjir, Angin Topan, Badai dan Kerusakan akibat air)
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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
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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
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Electronic Equipment Insurance (EEI) covers your electronic equipment or electrical machinery or installation such as medical equipments or ICT against all risks subject to
EEI – Munich Re Wordings. It covers loss or damage due to fire, electrical breakdown, riots, strikes, flood, typhoon, storm or other accidental damage.
Electronic Equipment Insurance (EEI) provides cover for Material Damage, External Data Media and Increased Cost of Working
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Contractors’ Plant & Equipment (CPE) Insurance covers your heavy equipment, plant and machinery against all risks subject to
CPE – Munich Re Wordings. It covers equipment whilst at work or at rest, it covers loss or damage due to fire, riots, strikes, flood, typhoon, storm or other accidental damage
Cover is also available on Total Loss basis
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Fire Insurance covers named perils known as Flexas i.e. Fire, Lightning, Explosion, impact of Air craft and Smoke it can be extended to give optional cover such as RSMDCC (Riots, Strikes, Malicious Damage and Civil Commotions) and FTSWD (Flood, Typhoon, Storm and Water Damage)
Fire Insurance is subject to PSAKI (
Polis Standar Asuransi Kebakaran Indonesia) or Indonesia Standard Fire Insurance
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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, mis-delivery, delay, fines & duties, third party legal liability, pollution and legal costs and expenses (see diagram)
In summary 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
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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)
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Here is sample of a
Quotation of Contractors’ All Risks (CAR) / EAR Project
Contractors’ All Risks (CAR) /
EAR covers all risks of loss or damage to construction of the project or erection of machinery and Third Party Liability as well
Project Construction is of huge value and considerably high risks, it is designed to give full and comprehensive cover with set s of clauses to include Offsite Storage, Designer Risks, Existing Property, Transit Risks, 50/50 Clause, etc etc
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Here is sample of a
Quotation of Burglary Insurance
Burglary Insurance covers loss or damage due to THEFT consequent upon actual forcible and violet entry upon the said premises or any attempt thereat
It usually designed to cover theft on stock of trade, or merchandise or painting or antiques
Names, objects, values and rates appear in this Quotation are for illustration only
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Here is sample of a
Quotation of Builder’s Risks Insurance
Builder’s Risks Insurance covers all risks subject to the Institute Clauses for Builders’ Risks (1/6/88) – Clause 351 from laying of keel to completion including risks of construction, launching, sea trials and delivery to owners.
Builder’s Risks also covers Pollution Hazard, Faulty Design, General Average and Salvage, Collision Liability, Protection & Indemnity (P&I), and Sue and Labour.
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- Friday, April 24, 2009, 16:05
- General Insurance
General Insurance Company (Perusahaan Asuransi Kerugian)
Joint Venture – General Insurance Company
Perusahaan Asuransi Patungan
PT. ACE INA Insurance (ACE)
PT. ACE INA Insurance is part of the ACE Group of Companies, one of the world's largest providers of property and casualty insurance, reinsurance, and other financial services. Established in 1985, Now with a financial strength rating A+ from both Standard and Poor's and AM Best, ACE has grown from strength to strength. Today, the ACE Group of Companies has a local presence in more than 50 countries, insuring a broad range of local and multinational corporations.
PT. Asuransi Kurnia Insurance Indonesia (Kurnia)
PT. Asuransi Aegis Indonesia is the new name of erstwhile local insurer, PT. Asuransi Hastin Utama, which started business way back in 1988. The joint-venture business license was obtained in March 2000 (Ministry of Finance letter no. S.085/MK.17/2000) and the change of name to PT. Kurnia Insurance Indonesia (KII) on 7th May 2007. KII is a subsidiary of Kurnia Asia Berhad (KAB), a public listed company in Malaysia and the parent company of Kurnia Insurans Malaysia Berhad (KIMB), the largest general insurer in Malaysia.
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- Monday, April 13, 2009, 11:34
- General Insurance
PT. Asuransi Adira Dinamika (Adira)
Founded in 2002 and managed by a group of professionals with extensive experience and expertise in the field of insurance and automotive, PT Asuransi Adira Dinamika (Adira Insurance), a general insurance company, focuses its early years on the Motor Vehicle insurance business, and developing Non Motor Vehicle insurance products in recent years
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- Sunday, April 12, 2009, 13:09
- General Insurance
PT. Asuransi Ekspor Indonesia (Asei)
ASEI Insurance's objective is to promote and support Government of Indonesia's agenda in national economic development in general, and to aid non-oil and gas export development program within the insurance and guarantee business sector. ASEI also motivates banking industry to channeling their credit portfolio to real sector including the exporters. Moreover, ASEI will cover the insured from asset liability and protect the Obligee (Project Owner) from unfinished project development by the Principal (Contractor).
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- Sunday, April 12, 2009, 12:53
- General Insurance
PT. ACE INA Insurance (ACE)
PT. ACE INA Insurance is part of the ACE Group of Companies, one of the world's largest providers of property and casualty insurance, reinsurance, and other financial services. Established in 1985, Now with a financial strength rating A+ from both Standard and Poor's and AM Best, ACE has grown from strength to strength. Today, the ACE Group of Companies has a local presence in more than 50 countries, insuring a broad range of local and multinational corporations.
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- Saturday, April 11, 2009, 16:01
- Life Insurance
- Saturday, April 11, 2009, 15:51
- Adjusters & Surveyors
PT. Adjusterindo Pratama
PT. Ardilla Solorina
PT. AXIS International Indonesia
PT. Aryeng Energy...
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Diner awarded HKD10m (USD1.28m) far fall on slippery stairs
Hong Kong: A diner who became a quadriplegic after slipping on the stairs of a restaurant has been awarded more than HKD10m (USD1.28m) for his injuries. He had sued for HKD13.4m (USD1.72m).
On 1 April 2001, the diner fell down a staircase in the restaurant resulting in severe head and spinal injuries.
The judge found that the restaurant owner had breached his duty of care by failing to ensure the stairway, which was quite steep, 60 cm wide and had only one hand rail
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Toy-makers deny responsibility
China: A two-year-old boy ran with a plastic six-centimetre nail clenched in his teeth, when he tripped and fell on his face. The nail shot down his throat and formed an air-tight plug in his trachea. Although an ambulance officer managed to dislodge it with the help of a pair of pliers, the boy was pronounced dead. The nail was part of Playskool Tool Benches sold in American retail chains - one of 20 billion toys that China exported in 2006.
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Bridge collapse causes 22 fatalities and 46 missing persons
China: On 13 August 2007, a bridge under construction in an ancient Chinese city collapsed as workers removed scaffolding from its facade. The collapse caused 22 fatalities. There were 64 people rescued and 22 injured when the 1,049-foot-bridge in Hunan province collapsed.
The 140-foot-high bridge had four decorative stone arches and was scheduled to open as a tourist attraction at the end of August 2007.
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Travel firms sued over Taiwanese death crash
Hong Kong: The companies that organised a Taiwan tour that ended in a bus crash killing five Hongkongers and injuring 29 others on 18 October 2004 are being sued for negligence in three separate actions. Three suits were filed in May 2007 in the High Court against the Travel Service companies. Two writs were filed by the injureds and one by the administrator of an estate of a person killed
The bus driver was jailed, being found guilty of driving while intoxicated and endangering public safety. The travel organisation argued it was not responsible for the bus driver's actions. The travel organisation was found responsible for the bus driver's action and has to pay HKD814,000 (USD104,459m) to an injured passenger
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Twins sue hospital for mix-up
China: A pair of twins has sued a hospital over an apparent mix-up when they were babies 21 years ago; they are suing for compensation of HKD1.2m (USD153,927) and an apology. They were reunited by chance when mutual friends were struck by their similar appearance. The two families lived in the same semi-rural district of Beijing.
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Twenty trapped following gas explosion at coal mine
China:...
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Corporate standards improving
China: The fact that there haven't been as many shareholder suits in China as in other countries in the region can be attributed to problems in the civil compensation system and court rulings. In China, the burden of proof lies with the plaintiff. Minority shareholders - who are often involved in these types of suits - usually don't have the resources to collect substantial evidence.
In 1998 and 1999, a group of investors in Shanghai sued Chengdu Hongguang Industrial Shareholding Co. due to losses after a decline in Hongguang Industrial's stock prices. The shareholders accused the company of not disclosing problems with its production line in their prospectus. The compensation claim was rejected by the court on the ground that they had not been able to establish the losses were caused by false statements in the prospectus.
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Workers to be given the right to sue employers for discrimination
China: A new employment promotion law was passed in August by the Standing Committee of the National's People's Congress allowing Chinese workers to sue their employers for illegal discrimination beginning 1 January 2008
Discrimination because of race, ethnicity, sex, religion, disabled persons, hepatitis B and HIV carriers is already (since 1991) prohibited. The effect of these prohibitions has been greatly limited because no right was explicitly granted to individuals who suffer illegal discrimination and no penalties were specified in any laws or regulations
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- Thursday, April 9, 2009, 13:24
- Liability Corner
Court grants BNDSm (USD3.6m) as damages for teenagers
Brunei: The highest personal injury award in Brunei's history was awarded to a 16-year-old Nepalese boy. In March 2008, the boy received an award of USD3.6m due to a car accident that happened on 30 December 2000 in which he suffered severe head injuries, multiple fractures, disfigurement, spastic hemiparesis and weakness of the upper and lower limbs.
It was considered that the boy is doomed to an unfulfilling life of depression, joylessness and apathy. The boy now walks with a limp and a clumsy gait. One of the biggest portion of the award deals with the boy's loss of future earnings. In this regard, it was found that the boy would be residing in the United Kingdom for the rest of his life and was given an award based on such a scenario.
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- Thursday, April 9, 2009, 13:11
- Liability Corner
Failure to meet environmental targets
China: According to the State Environmental Protection Administration (SEPA), environmental problems have become a major hindrance to China's economic and social development. In 2006, 161 severe pollution incidents were recorded. Their goals of reducing energy consumption by 4% and emissions of pollutants by 2% were not met; on the contrary, energy consumption and emissions increased during the first half of the year. Moreover, more than 70% of rivers, lakes and underground water supplies in 90% of Chinese cities are contaminated.
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China: The Hubei province government in central China cut water supplies to some 200,000 people, as part of the Han River and its tributaries turned red and foamy due to pollution. Tests revealed elevated levels of ammonia, nitrogen and permanganate, a chemical used for metal cleaning, tanning and bleaching. The communities were dependent on emergency water supplies; five schools were closed, while others could not provide food to the students.
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China: Jilin Petrochemical, a subsidiary of Petrochina Group, was fined a record CNY 1 million (USD128,000) as a result of a toxic spill that even reached Russia and caused authorities to cut off water supplies to millions of people. This fine constitutes the maximum amount allowed by law.
In November 2005, a huge explosion caused approximately 100 tonnes of carcinogenic benzene to seep into the Songhua River raising benzene levels to 108 times safety levels in China. The government only announced the severe damage ten days following the incident and after repeated denials that there had been any major environmental impact.
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- Tuesday, March 31, 2009, 9:37
- Insurance News
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:
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- Sunday, March 15, 2009, 10:00
- Directory
- Wednesday, March 11, 2009, 15:11
- Liability Casualty, Liability Corner
Thailand: Klaim product liability di Thailand selama ini adalah berdasarkan Undang-Undang Perlindungan Konsumen serta Hukum Perdata dan Hukum Dagang. mengingat undang-undang tersebut dinilai tidak lagi memadai untuk melindungi konsumen yang menderita kerugian dan juga untuk menghalangi penjualan produk-produk yang tidak aman, pada bulan Desember 2007 pihak legislative Thailand menetapkan undang-undang baru yaitu Product Liability Act BE 2551 (2008) yang akan mulai efektif 20 Februari 2009
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