Archive for 2009

PT Delimuda banding kasus klaim asuransi kapal tongkang

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. Full story

Bosowa digugat soal Asuransi. PT Pewete tuntut ganti rugi US$291.140

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 Full story

Institute Cargo Clauses 01/01/2009

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:   Full story

Civil Engineering Completed Risks – Wordings & Clauses (downoad here)

Civil Engineering Completed Risks   Please download here   CECR pol.pdf   Clause1000.pdf   Full story

Comprehensive Project Insurance – Wordings & Clauses (download here)

Comprehensive Project Insurance   CPI Policy Comprehensive Project Insurance   ·         CPI Clauses   Special insurance covers     1200 Strike, riot and civil commotion 1201 Extra costs for airfreight 1202 Property insured taken into use or operation 1203 Liability consequent upon vibration, removal or weakening of support 1204 Guarantee maintenance 1205 Nuclear fuel elements 1206 Costs of decontamination 1207 Reactor pressure vessels with internals 1208 Costs for leak search 1209 Oil, gas and/or geothermal drilling rigs and equipment 1210 Delay in start-up following marine cargo   Full story

Contractors’ All Risks (CAR) Insurance – Wordings & Clauses (download here)

  Contractors’ All Risks (CAR) Insurance   CAR_pol Contractors All Risk... Full story

Contractor’s Plant and Machinery Insurance – Wordings & Clauses (download here)

Contractor’s Plant and Machinery Insurance   CPM pol.pdf  Contractor’s Plant and Machinery Insurance 001 Strike, Riot and Civil Commotion 006 Overtime, Night Work and Express Freight 007 Airfreight 400 Underground Machinery and Equipment 401 Inland Transit 410 Adjustment of Sum Insured and Premium 420 Oil, Gas and/or Geothermal Drilling Rigs and Equipment 421 Water Well Drilling Rigs and Equipment Full story

Erection All Risks (EAR) & ALoP Insurances – Wordings & Clauses (download here)

Erection All Risks (EAR) Insurance   EAR pol.pdf  Erecion All Risks Policy AloP Section.pdf  Advanced Loss of Profit   EAR Clauses   Full story

Deterioration of Stock – Wordings & Clauses (download here)

Deterioration of Stock   Wordings & Clauses, Please download here: DOS pol.pdf Deterioration of Stock Insurance Policy 001 Strike, Riot and Civil Commotion (SRCC) 902 Goods in Cold Storage under Controlled Atmosphere Conditions 903 Failure of Public Power Supply 904 Failure of Non-Public Power Supply Full story

Aero-Engine Breakdown Insurance – Wordings (download here)

Aero Engine Insurance   wordings, please download here:   Aero Engine Ins pol.pdf Full story

Boiler and Pressure Vessel Insurance – Wordings (download here)

Boiler & Pressure Vessel Policy   wordings, Please download here:   Boiler & Pressure Vessel Pol.pdf Full story

Machinery Loss of Profit (MLoP) – Wordings & Clauses (download here)

MLoP Insurance   MloP pol 894 Sum Insured on Unit Price Basis ... Full story

Machinery Insurance – overview

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:   Full story

Machinery Insurance – Wordings & Clauses (download here)

Last-updated 02.03.2015 MRe Machinery Standard Insurance Clauses 391 Maintenance work on Electronic Components of the Insured Machinery 353 Nuclear Fuel Elements 352 Reactor Pressure Vessel with Internals 351 Decontamination 345 Boilers 344 Steam, Water and Gas Turbines and Turbo-Generator Sets 343 Electric Motors 342 Platen Presses 333 Gas Turbines 332 Combustion Engines 331 Rewinding of Electric Machines 323 Floodlight Bulbs Boilers 322 Wires and Non-Electric Cables 321 Conveyor Belts and Chains 320 Lubricating Oil or Refrigerant 319 Refractory Materials and:or Masonry in Industrial Furnaces and 318 Submerged and Deep-Well Pumps 317 Underground Machinery and Equipment 316 Inundation and Silting Up 315 Leakages from Tanks:Vessels 314 Explosion in Internal Combustion Engines and Hydrogen-Cooled Generators 313 Internal Fire, Internal Chemical Explosion and Direct Lightning 312 Hull Risk - Transport Included 311 Hull Risk - Transport Excluded 303 Flue Gas Explosions in Boilers and Furnaces 302 Surrounding Property and Third Party Liability 301 Adjustment of Sum Insured and Premium 011 Serial Losses 007 Airfreight 006 Overtime, Night Work and Express Freight   MRe MLoP Insurance Clauses 894 Sum Insured on Unit Price Basis 893 Proportional Time Excess 892 Indemnity Period Limits Exceeding 12 Months 891 Delay in Repair 866 Failure of Public Electricity, Water, Gas or Steam Supply 863 Additional Expenditure Other than Increased Cost of Working 862 Maximum Demand Charges 861 Increased Cost of Electricity, Water, Gas or Steam Supply 857 Prolongation of the Interruption Period due to Deterioration 856 Deterioration 855 Radioactive Isotopes in Instruments 845 Boilers 844 Steam, Water and Gas Turbines and Turbo-Generator Sets 843 Electric Motors and Generators 842 Non-Destructive Testing (NDT) of Presses, Shears and Similar Items with Highly Stressed Frames or Other Components 832 Flue Gas Explosions in Boilers and Furnaces 831 Inundation and Silting Up 829 Machinery Breakdown during Guarantee Period 817 Underground Machinery and Equipment 813 Internal Fire, Internal Chemical Explosion and Direct Lightning 812 Hull Risk - for Mobile Equipment including Inland Transit 811 Hull Risk - for Mobile Equipment on Premises only Machinery Standard Insurance M Ins pol.pdf    Machinery Insurance – Munich Re wordings   Machinery Insurance Clauses Full story

Engineering Insurances

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   Full story

Comprehensive machinery (CM) insurance – wordings & clauses (download here)

Comprehensive machinery (CM) insurance   Section 1 . Operational material damage   Section 2 . Operational business interruption   Schedule   Comprehensive machinery (CM) insurance – Endorsements   Full story

Comprehensive machinery (CM) 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.   Full story

What is a Special Drawing Right (SDR)?

What is a Special Drawing Right (SDR)?
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?   Full story

Negligence, Strict Liability, or Breach of Warranty?

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.   Full story

Bill of Lading – What’s your “Paramount Clause”?

Bill of Lading – What’s your “Paramount Clause”?
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:   Full story

Broker dilarang kelola premi, peranan pialang Asuransi terpangkas?

Broker dilarang kelola premi, peranan pialang Asuransi terpangkas?
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.   Full story

Bisakah memecah Polis Gempa Bumi untuk menghindari deductible 2.5% of TSI?

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:   Full story

Kebakaran M City Medan, Apakah Sukarman Harus Bertanggung Jawab?

Kebakaran M City Medan, Apakah Sukarman Harus Bertanggung Jawab?
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?   Full story

Polisi Ungkap Penyebab Kebakaran M City – Medan

Polisi Ungkap Penyebab Kebakaran M City - Medan
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. Full story

Apakah Average (under-insurance) berlaku untuk klaim Total Loss?

Apakah Average (under-insurance) berlaku untuk klaim Total Loss?
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).   Full story

Tak Ada Peringatan soal Bakrie Life

Tak Ada Peringatan soal Bakrie Life
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. Full story

Klaim Asuransi Sumatera Barat Lebih Rp 400 Miliar

Klaim Asuransi Sumatera Barat Lebih Rp 400 Miliar
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. Full story

Mudik…? Awas Kecelakaan..!!

Mudik…? Awas Kecelakaan..!!
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..!! Full story

Mudik Lebaran..? Awas Kebakaran dan Kemalingan..!!!

Mudik Lebaran..? Awas Kebakaran dan Kemalingan..!!!
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.  Full story

Mengapa Deductible Polis Gempa Bumi Sangat Besar??

Mengapa Deductible Polis Gempa Bumi Sangat Besar??
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) Full story

Apakah kerugian akibat gempa bumi dijamin Asuransi??

Apakah kerugian akibat gempa bumi dijamin Asuransi??
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??   Full story

The Rotterdam Rules 2008

The Rotterdam Rules 2008
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:   Full story

23 Berkas kecelakaan kapal dilimpahkan ke Mahkamah Pelayaran

23 Berkas kecelakaan kapal dilimpahkan ke Mahkamah Pelayaran
  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. Full story

“Perfect Hit” MV. Grande in collision with MV. Nada V

            Full story

Kerusuhan, Huru-Hara, Terrorisme, Sabotase, Pemberontakan atau Revolusi?

Kerusuhan, Huru-Hara, Terrorisme, Sabotase, Pemberontakan atau Revolusi?
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)   Full story

Asuransi Terorisme dan Sabotase (Terrorism and Sabotage Insurance)

Asuransi Terorisme dan Sabotase (Terrorism and Sabotage Insurance)
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.   Full story

Ledakan Bom di JW Marriott dan Ritz-Carlton Dijamin Asuransi??

Ledakan Bom di JW Marriott dan Ritz-Carlton Dijamin Asuransi??
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?   Full story

Advanced Loss of Profit / Delay in Startup Policy

Advanced Loss of Profit / Delay in Startup Policy
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?   Full story

Marine cum Erection / Storage cum Erection Policy

Marine cum Erection / Storage cum Erection Policy
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.   Full story

Jettison or washing overboard?

Jettison or washing overboard?
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.)  Full story

Gross Profit Versus Gross Revenue

Gross Profit Versus Gross Revenue
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.    Full story

Did you know?

Did you know?
                  Full story

P&I for Tug and Barge

P&I for Tug and Barge
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.   Full story

Volatile Ship Values and their Effect on Salvage / General Average

Volatile Ship Values and their Effect on Salvage / General Average
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.   Full story

Kontra Bank Garansi

Kontra Bank Garansi
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.           Full story

Lebih jauh tentang “Surety Bond”

Lebih jauh tentang “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 Full story

Surety Bond

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: Full story

Korban Malpraktek RS OMNI Merasa Diteror

Korban Malpraktek RS OMNI Merasa Diteror
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.   Full story

Yacht Insurance – Quotation

Yacht Insurance  - Quotation
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   Full story

Workmen Compensation & Employers Liability – Quotation

Workmen Compensation & Employers Liability - Quotation
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 BenefitsFull story

Professional Indemnity (PI) Insurance – Quotation

Professional Indemnity (PI) Insurance - Quotation
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.   Full story

Motor Vehicle Insurance – Quotation

Motor Vehicle Insurance - Quotation
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   Full story

Commercial General Liability (CGL) Insurance – Quotation

Commercial General Liability (CGL) Insurance - Quotation
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 Full story

Asuransi Kontainer (Container Insurance) – Quotation

Asuransi Kontainer (Container Insurance) - Quotation
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   Full story

Property All Risks Insurance (PAR/IAR) – Quotation

Property All Risks Insurance (PAR/IAR) - Quotation
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 Full story

Asuransi Kecelakaan Diri (Personal Accident) – Quotation

Asuransi Kecelakaan Diri (Personal Accident) - Quotation
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.   Full story

Protection & Indemnity (P&I) Insurance – Quotation

Protection & Indemnity (P&I) Insurance - Quotation
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   Full story

Prita & Manohara – dari sudut Asuransi atas pencemaran nama baik (libel and slander)

Prita & Manohara - dari sudut Asuransi atas pencemaran nama baik (libel and slander)
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…   Full story

Medical Malpractice Insurance – Quotation

Medical Malpractice Insurance - Quotation
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   Full story

Information & Communication Technology (ICT) Liability Insurance – Quotation

Information & Communication Technology (ICT) Liability Insurance  - Quotation
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   Full story

Money Insurance – Quotation

Money Insurance - Quotation
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)   Full story

Shop Package – Quotation

Shop Package - Quotation
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). Full story

Home Package – Quotation

Home Package - Quotation
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)   Full story

Hull & Machinery (H&M) Insurance – Quotation

Hull & Machinery (H&M) Insurance  - Quotation
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   Full story

Marine Cargo Insurance – Quotation

Marine Cargo Insurance  - Quotation
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   Full story

Electronic Equipment Insurance (EEI) – Quotation

Electronic Equipment Insurance (EEI)  - Quotation
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   Full story

Contractors’ Plant & Equipment (CPE) Insurance – Quotation

Contractors’ Plant & Equipment (CPE) Insurance  - Quotation
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   Full story

Fire Insurance – Quotation

Fire Insurance  - Quotation
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   Full story

Freight Forwarders’ Liability – Quotation

Freight Forwarders’ Liability  - Quotation
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   Full story

Directors & Officers (D&O) Liability – Quotation

Directors & Officers (D&O) Liability  - Quotation
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) Full story

Contractors’ & Erections All Risks (CAR/EAR) – Quotation

Contractors’ & Erections All Risks (CAR/EAR) - Quotation
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   Full story

Burglary Insurance – Quotation

Burglary Insurance - Quotation
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 Full story

Builder’s Risks Insurance – Quotation

Builder’s Risks Insurance - Quotation
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.   Full story

General Insurance Company (Perusahaan Asuransi Kerugian)

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. Full story

Local General Insurance Company

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   Full story

State-owned General Insurance Company

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).   Full story

Joint Venture General Insurance Company

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. Full story

Joint Venture Life Insurance Company

PT. AIG Life  PT. Asuransi Jiwa AIA Indonesia  PT. Asuransi Allianz Life Indonesia  PT. AXA Life Indonesia  PT. AXA Mandiri Financial Services  PT. Asuransi Cigna  PT. Commonwealth Life  PT. Great Eastern Life Indonesia  PT. Asuransi Jiwa John Hancook Indonesia  PT. MAA Life Assurance  PT. Asuransi Jiwa Manulife Indonesia  PT. Prudential Life Assurance  PT. Sun Life Financial Indonesia  PT. UOB Life – Sun Assurance  PT. Winterthur Life Indonesia  Full story

State-owned Life Insurance Company

PT. Asuransi Jiwasraya   Full story

Local Life Insurance Company

PT. Asuransi Jiwa Adisarana Wanaartha PT. Anugrah Life Insurance PT. Asuransi Jiwa Artha Mandiri Prima PT. Asuransi Jiwa Bakrie PT. BNI Life Insurance PT. Asuransi Jiwa Bringin Jiwa Sejahtera PT. Asuransi Jiwa Bersama Bumiputera 1912 PT. Asuransi Jiwa Bumi Asih Jaya PT. Asuransi Jiwa Bumiarta Reksatama PT. Asuransi Jiwa Bumi Masyarakat Mandiri PT. Asuransi Jiwa Central Asia Raya PT. Asuransi Jiwa Century Lifindo Perdana PT. Equity Life Indonesia PT. Heksa Eka Life Insurance PT. Indolife Pensiontama PT. Asuransi Jiwa Jaminan 1962 PT. Asuransi Jiwa Mega Life PT. Asuransi Jiwa Mira Life PT. Multicor Life Insurance PT. Asuransi Jiwa Nusantara PT. Asuransi Jiwa Panin Life Tbk PT. Pasaraya Life Insurance PT. Asuransi Jiwa Recapital PT. Asuransi Jiwa Sequis Life PT. Asuransi Jiwa Sinar Mas PT. Asuransi Jiwa Syariah Mubarakah PT. Asuransi Jiwa Takaful Keluarga PT. Asuransi Jiwa Tugu Mandiri Full story

Reinsurance Company

PT. Maskapai Reasuransi Indonesia (Marein)   PT. Reasuransi Internasional Indonesia (ReIndo)   PT. Reasuransi Nasional Indonesia (Nasional Re)   PT. Tugu Reasuransi Indonesia (Tugu Re)   Full story

Social Insurance

PT. Taspen (Persero) PT. Asabri (Persero) PT. Askes (Persero) PT. Jasa Raharja (Persero) PT. Jamsostek (Persero) Full story

Adjusters & Surveyors

PT. Adjusterindo Pratama PT. Ardilla Solorina PT. AXIS International Indonesia PT. Aryeng Energy... Full story

Insurance Association

Federasi Asosiasi Perasuransian Indonesia (FAPI) Asosiasi Asuransi Umum Indonesia (AAUI) Asosiasi Asuransi Jiwa Indonesia (AAJI)... Full story

Insurance School

Insurance Business School Trisakti (STMA) Sekolah Tinggi Manajemen Risiko dan Asuransi (STIMRA) Full story

Commercial General Liability

Commercial General Liability
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   Full story

Product Liability

Product Liability
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.   Full story

Construction Liability

Construction Liability
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.   Full story

Professional Indemnity / Errors & Omissions

Professional Indemnity / Errors & Omissions
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   Full story

Medical Malpractice Liability

Medical Malpractice Liability
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.   Full story

Workmen’s Compensation & Employers’ Liability

Twenty trapped following gas explosion at coal mine   China:... Full story

Directors’ & Officers’ Liability

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.   Full story

Employment Practices Liability

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   Full story

Automobile Liability

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.   Full story

Environmental Liability

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.   Full story

Pollution turns river red in central China

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.   Full story

Record fine for factory over infamous Songhua spill

Record fine for factory over infamous Songhua spill
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.   Full story

Tragedi Situ Gintung & 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: Full story

Direktori Perusahaan Asuransi Indonesia (Indonesian Insurance Company Directory)

Direktori Perusahaan Asuransi Indonesia (Indonesian Insurance Company Directory)   Asuransi Kerugian (General Insurance)   Perusahaan Asuransi Patungan (Joint Venture)   PT. ACE INA Insurance (ACE) PT. Asuransi Kurnia Insurance Indonesia (Kurnia) PT. Asuransi AIOI Indonesia (AIOI) PT. Asuransi AIU Indonesia (AIG) PT. Asuransi Allianz Utama Indonesia (Alianz) PT. Asuransi AXA Indonesia (AXA) PT. China Insurance Indonesia (China) PT. Asuransi Hanjin Korindo (Hanjin) PT. LIG Insurance Indonesia (LIG) PT. MAA General Insurance (MAA) PT. Asuransi MSIG Indonesia (MSIG) PT. Asuransi Permata NipponKoa Indonesia (Permata Nippon) PT. Asuransi QBE Pool Indonesia (QBE) PT. Asuransi Samsung Tugu (Samsung) PT. Sompo Japan Insurance Indonesia (Sompo) PT. Asuransi Tokio Marine Indonesia (Tokio) PT. Zurich Insurance Indonesia (Zurich)   Full story

Undang-Undang Perlindungan Konsumen baru di Thailand

Undang-Undang Perlindungan Konsumen baru di Thailand
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   Full story
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