Archive for 2010

Peraturan perundang-undangan tentang pengangkutan laut

Please click for downloading   Undang-Undang dan Peraturan a)       UU No.17 Tahun 2008 Tentang Pelayaran b)       PP No.61 Tahun 2009 Tentang Kepelabuhanan c)       PP No.20 Tahun 2010 Tentang Angkutan di Perairan d)       KM No.14 Tahun 2002 Tentang Penyelenggaraan dan Pengusahaan Bongkar Muat Barang dari dan ke Kapal   Full story

Tanggung Jawab Pengangkut (Tidak Jelas)

Tanggung Jawab Pengangkut (Tidak Jelas)
Coba perhatikan isi PP No.20 Tahun 2010 Tentang Angkutan Perairan yang didalamnya mengatur “Tanggung Jawab Pengangkut” PP ini yang merupakan turunan atau aturan pelaksanaan dari UU No. 17 Tahun 2008 Tentang Pelayaran seharusnya memuat aturan yang jelas dan tegas tentang batasan Tanggung Jawab Pengangkut (Carriers Liability) Full story

Proposal Training: “Hull & Machinery (H&M)” dan “Protection & Indemnity (P&I)”

Download : Proposal Training for details proposal-training-hm-and-pi1   Isi Materi (Contents)   Jenis-jenis asuransi kapal a)       Asuransi Lambung dan Mesin Kapal (Hull & Machinery) b)       Asuransi Tanggung Jawab Hukum Pengoperasian Kapal (Protection & Indemnity) c)       Asuransi Tanggung Jawab Hukum Pihak Pen-charter (Charterers Liability) d)       Asuransi Pembangunan Kapal (Builders Risks)   Full story

Proposal Training “Marine Cargo Insurance”

Isi Materi (Contents) Institute Cargo Clauses (ICC (A), (B) dan (C)) a) Risks Covered (Risiko yang dijamin) b) General Average Clause c) Collision Liability d) General Exclusions (Risiko yang tidak dijamin) e) Unseaworthiness and Unfitness Exclusion f) War & Strikes Exclusion g) Duration of Cover (Transit) h) Insurable Interest Full story

Prinsip Tanggung Jawab Dalam Pengangkutan

  1.   Prinsip tanggung jawab berdasarkan kesalahan (fault liability) 2.   Prinsip tanggung jawab berdasarkan praduga (presumption of liability) 3.   Prinsip tanggung jawab mutlak (absolute / strict liability)   Full story

What is a Bill of Lading?

What is a Bill of Lading?
What is a Bill of Lading?     1)       It is a Document of Title (bukti kepemilikan barang)   2)       It is an evidence of a contract of affreightment (kontrak pengangkutan)   3)       It is an evidence of cargo being carried onboard a ship, Full story

Cargo Liability

Jaminan kerugian, kerusakan atau kekurangan barang muatan (Cargo Liability) adalah salah satu jenis jaminan dalam polis Protection & Indemnity (P&I). Jaminan Cargo Liability sangat penting terutama untuk jenis kapal barang seperti Cargo ships, Tankers, maupun Barges dan kapal-kapal lainnya yang memuat kargo milik pihak ketiga. Full story

Penahanan dan Penyitaan Kapal

Penyitaan kapal dapat bersifat sementara berupa penundaan keberangkatan kapal disuatu pelabuhan tertentu ataupun dapat berupa sita tetap atas kapal maupun muatannya. Dapat dibayangkan, apabila terjadi penahanan kapal – walau hanya sehari, maka biaya opearsional yang dikeluarkan akan sangat mahal. Bahkan melebihi nilai klaim yang dituntut. Full story

Multy Fanny Ajukan 16 Bukti Perkuat Gugatan ke Asuransi Tugu

JAKARTA. Sidang gugatan terkait klaim pembayaran asuransi kapal yang dilayangkan PT Multy Fany Bahari Sea Shore kepada PT Asuransi Tugu Kresna Pratama kembali digelar. Kali ini sidang memasuki tahap pembuktian gugatan. Full story

Gebrakan Pemegang Saham Minoritas

Dituduh menerbitkan obligasi tak sesuai dengan aturan, PT Hero Pusaka Sejati “pemegang saham mayoritas Hero Supermarket”dituntut Rp 210 miliar.   Dairy Farm hendaknya menyimpan dulu ambisinya untuk menguasai PT Hero Supermarket Tbk. Penyebabnya, PT Hero Pusaka Sejati ”pemegang saham mayoritas Hero Supermarket”Jumat dua pekan silam dituntut Rp 210 miliar oleh PT Matahari Putra Prima Tbk. Penerbitan obligasi oleh Hero Pusaka Sejati senilai US$ 36,4 juta yang bisa dikonversi menjadi 24,55% saham dianggap menabrak aturan. Full story

Eksepsi Tergugat Dikabulkan, Gugatan MandiriRe Kandas

Saat sidang berlangsung hingga putusan dibacakan Marine and General Underwriting Ltd dan Crawley Warren International Ltd tak hadir di pengadilan.   PT MandiriRe International harus menelan pil pahit. Perusahaan jasa pialang asuransi itu tak berhasil menuntut Marine and General Underwriting Ltd membayar klaim PT Asuransi Ramayana senilai Rp14,8 miliar. Full story

Perusahaan Asuransi Ngotot Tolak Klaim Asuransi PT Pelayaran Manalagi

Kamis, 17 Juni 2010, hukumonline - Sebab PT Pelayaran Manalagi dinilai melakukan perbuatan melawan hukum dengan mengangkut barang berbahaya yang mudah terbakar. PT Asuransi Harta Aman Pratama Tbk keukeuh menolak klaim asuransi PT Pelayaran Manalagi. Alasan-alasan yang diutarakan PT Pelayaran Manalagi dalam gugatan tidak mengubah pendirian perusahaan asuransi itu. Full story

Hati-hati, Beragam Modus Penipuan Asuransi

Normal 0 < !-->"Nomor mesin mobil dan nomor rangka mobil dipotong lalu dlmutasikan ke kendaraan bermotor yang lain," tutur Petrus pada acara Dialog Eksklusif Warta Kota bertema Cara Mudah Mengurus Klaim Asuransi di Gedung Kompas-Gramedia, Palmerah Barat, Selasa Selain Itu, ada Juga penipuan asuransi yang terjadi dengan mengajukan laporan kehilangan kendaraannya untuk mendapatkan dana asuransi, padahal motor atau mobilnya tidak hilang. Oknum nasabah asuransi itu mendapat dana klaim asuransi dari perusahaan asuransi dan kendaraannya tetap berada di tangannya. Nasabah itu lalu memalsu BPKB mobil barunya itu untuk mengajukan polis asuransi di perusahaan asuransi lain. Full story

Sandiwara Di Masalembo

02 Januari 1982; PERAIRAN Masalembo? Nama ini mengingatkan kita kepada kematian. Lintas laut ini, yang paling ramai bagi kapal yang pulang pergi antara Jawa dengan Kalimantan dan Sulawesi, ternyata memang merupakan "Segi Tiga Bermuda" Indonesia. Full story

Kejahatan Asuransi Mati Dalam Asuransi Sebuah Modus…

02 Januari 1982; SESOSOK mayat membusuk ditemukan di semak-semak pinggir jalan raya dekat Desa Sambirejo, Kendal, Jawa Tengah. Sebuah peluru bersarang di batok kepalanya dan sebuah lagi menembus mulut sampai kuping kiri. Full story

PK MA kukuhkan kendaraan hilang tanggung jawab pengelola parkir

Jakarta - Mahkamah Agung (MA) mengukuhkan tanggung jawab ganti kerugian dari pengelola jasa perparkiran bagi konsumen yang kehilangan kendaraan di tempat parkir. Diketahui, permohonan peninjauan kembali (PK) secure parking PT Securindo Packatama Indonesia ditolak terkait gugatan Anny R Gultom dan Hontas Tambunan yang kehilangan mobil Kijang Super tahun 1994 pada 1 Maret 2000, di Plaza Cempaka Mas. Full story

Secure Parking bersedia laksanakan putusan PK MA

Secure Parking bersedia laksanakan putusan PK MA
Jakarta - Pengelola jasa perparkiran, PT Securindo Packatama Indonesia menerima putusan peninjauan kembali (PK) Mahkamah Agung (MA). Hukuman ganti rugi senilai Rp60 juta yang harus diberikan kepada Anny R Gultom dan Hontas Tambunan selaku pihak yang kehilangan mobil Kijang Super di Plaza Cempaka Mas bakal diberikan. Full story

Konsumen Menang Lawan Secure Parking

JAKARTA, KOMPAS.com — Gugatan yang dilayangkan Andi Tjandra, konsumen yang kehilangan mobil Honda CRV saat melakukan parkir di Wisma Nusantara, kepada PT Securindo Packtama atau Secure Parking dikabulkan Pengadilan Negeri Jakarta Pusat. Andi adalah konsumen yang kehilangan mobil Honda CRV warna abu-abu muda metalik dengan nomor polisi B 1008 WX. Full story

Perils vs Hazards?

Sering orang mempersamakan pengertian Risiko dengan Peril dan Hazard. Memang ketiga istilah tersebut berkaitan erat satu sama lain akan tetapi berbeda dalam pengertian. Peril adalah suatu peristiwa yang dapat menimbulkan kerugian, sedangkan Hazard adalah keadaan yang dapat memperbesar kemungkinan terjadinya suatu peril. Full story

What is a Risk?

Risiko sendiri juga merupakan inti dari pada kehidupan itu sendiri, sehingga banyak orang dengan latar belakang yang berbeda sangat memperhatikan masalah ini. Ekonom, Dokter, Psykologis, Pengusaha, llmuwan dan lainnya mempunyai kepentingan dalam konsep risiko, sehingga sudah banyak definisi-definisi risiko yang diperkenalkan oleh para ilmuwan tersebut, seperti tercantum di bawah ini: Full story

Collision and Non Contact Incidents

Introduction Collision is one of the few areas where third party liabilities may be covered by the hull policy. Traditionally, the English hull policy covered 3/4ths of the collision risks and the P&I Clubs the remaining 1/4th. Full story

Fixed and Floating Objects (FFO)

Under the Rules of the Club, cover of a vessel’s liabilities for loss of, damage to, or interference with rights in relation to any fixed or moveable property whether on or above, in or below land or water. Full story

What is a 3/4th Collision Liability?

Assume that both vessels in an example collision are insured for 3/4th collision liability with their hull underwriters and for 1/4th with their P&I Clubs. In the example vessel A is 75% to blame for the collision and vessel B is 25% to blame. Full story

Piracy update – EU Council Regulation 356/2010

Further to our update below, we are aware that the EU Council regulation no 356/2010 entered into force on the 28th April. It adopts similar provisions to the US Executive Order prohibiting payments to certain parties linked with Somalia and is directly applicable, in other words it will apply in EU states without the need for any national implementation.   Full story
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Australian Bank Fees Targeted in Massive Class Action

Proposed suits highlight the role being played in the Australian class action market by IMF Ltd., a publicly traded litigation funding company that is basically bankrolling the bank suits Full story

Korban Kecelakaan Tabung LPG 3 Kg Bisa Klaim Asuransi

Korban Kecelakaan Tabung LPG 3 Kg Bisa Klaim Asuransi
JAKARTA - Korban kecelakaan LPG 3 kg bisa mengajukan klaim asuransi. Di mana klaim bisa diajukan untuk kecelakaan diri maupun harta benda. Full story

Harga kapal tongkang naik 16,6%

JAKARTA (Bisnis.com): Kenaikan harga kapal tongkang sebesar 16,6%  akibat lonjakan harga baja belum berpengaruh terhadap rencana perusahaan pelayaran nasional untuk melakukan pengadaan armada jenis ini. Full story

Legal Cost & Expenses Cover for Ship Owners / Operators

Subject to the direction and discretion of the Underwriter, the Assured shall be indemnified by the Underwriter against its reasonable costs and expenses, arising from event occurring during occurring the Period of Insurance and incurred by the Assured in respect of the operation of the Insured Vessel.   Full story

Charterers Liability Cover

Charterers Liability Cover
The Underwriter shall indemnify the Assured Charterer, other than a Charterer by Demise, against those liabilities, losses, cost and expenses, arising from event occurring during occurring the Period of Insurance and incurred by the Assured in respect of the operation of the Insured Vessel. Full story

Protection & Indemnity Cover

The underwriter shall indemnify the Assured against those liabilities, losses, costs and expenses, arising from events occurring during the Period of Insurance and incurred by the Assured in respect of the operation of the Insured Vessel. Full story

Apa keuntungan “Fixed Premium P&I” dibandingkan dengan “Mutual P&I Club”?

Selama lebih dari 100 tahun P&I Club adalah satu-satunya yang menyediakan jaminan Protection & Indemnity namun kini juga telah hadir jaminan P&I yang diberikan oleh perusahan Asuransi yang disebut Fixed Premium P&I   Full story

Hull & Machinery (H&M)

Hull & Machinery (H&M)
Hull & Machinery (H&M) Insurance memberikan jaminan kerusakan atau kerugian terhadap kapal, mesin dan perlengkapannya dari bahaya laut dan risiko pelayaran (navigational perils)   Perils: H&M menjamin risiko-risko: Full story

Coverage for Claims Between the Named Insured and the Additional Insured (Cross Liability in CGL Policy)

Sometimes the Additional Insured misunderstands the nature of coverage bestowed by an Additional Insured endorsement. Sometimes too the insurer misunderstands the separate nature of the coverage provided to the Additional Insured for certain claims. Full story

Additional Insureds and Policy Exclusions (in CGL Policy)

In Stolberg v. Pearl Assurance Co. S.C.R. 1026, three construction companies were the Named Insured under a CGL policy and the president of the companies was added to coverage by way of a separate endorsement which read: Full story

Apa yang dimaksud dengan Total Loss dalam Asuransi Kapal (Hull & Machinery)?

Apa yang dimaksud dengan Total Loss dalam Asuransi Kapal (Hull & Machinery)?
Banyak sekali rekan maupun klien yang bertanya apakah yang dimaksud dengan Total Loss? Apakah kerusakan 75% dapat klaim Total Loss? Berapa klaim yang dibayar? Market value atau Insured value? Full story

Association Liability Insurance – What, Why, When, Where & How?

Association Liability Insurance - What, Why, When, Where & How?
versi bahasa Indonesia, klik disini   “Potential litigation or prosecution risks faced by associations today can not be ignored…”       do your clients need protection? Full story

[Who] may claims against Directors and Officers?

[Who] may claims against Directors and Officers?
“People who run companies today can be held ‘personally liable’ for company performance”   Directors and Officers can now be personally sued by:   Full story

Directors’ and Officers’ (D&O) Liability Insurance – Apa & Mengapa?

Directors’ and Officers’ (D&O) Liability Insurance - Apa & Mengapa?
“People who run companies today can be held ‘personally liable’ for company performance”   English version, click here      Direktur, Officer dan Komisaris butuh “D&O”?   Ø         Tanggung jawab dan akuntabilitas yang besar: Direktur dan Komisaris dapat dituntut secara pribadi oleh Full story

Professional Indemnity Insurance (PI) – What, Why & How?

Professional Indemnity Insurance (PI) – What, Why & How?
versi bahasa Indonesia, klik disini Any professional person or consultant who provides advice or services is exposed to ‘professional indemnity’ claims. do your clients need protection? Ø Any professional person or consultant providing advice or other services is exposed to claims of a “Professional Indemnity” nature Full story

Professional Indemnity Insurance (PI) – Apa & Mengapa?

Professional Indemnity Insurance (PI) – Apa & Mengapa?
English version, click here   Menyambung tulisan “Professional harusnya Professional” Apapun profesinya sebagai Professional anda harus bertanggung jawab terhadap kesalahan, kelalaian atau breach of professional duty Full story

Professional harusnya Professional

Professional harusnya Professional
“Being Professional” tidak hanya berarti melaksanakan tugas dan kewajiban dengan baik namun juga harus dengan penuh tanggung jawab (full responsibility). Mengapa demikian? Melaksanakan tugas dengan baik (duty) adalah kewajiban (obligation) but if something goes wrong sebagai professional anda harus bertanggung jawab. Full story

Incoterms

Incoterms
Incoterms or international commerce terms is a series of international sales terms that is widely used throughout the world. Full story
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Freight Forwarders’ Liability Insurance : Apa & Mengapa?

Freight Forwarders’ Liability Insurance : Apa & Mengapa?
Apa itu Freight Forwarders?   Menurut situs GAFEKSI (Gabungan Forwarder & Ekspedisi Indonesia) atau INFA (Indonesian Forwarders Associations) -www.infa.or.id-; Jasa Ekspedisi Angkutan Barang (Freight Forwarding Services) merupakan jasa yang berhubungan dengan penerimaan, angkutan, pengkonsolidasian, penyimpanan, penyerahan, Logistik dan atau distribusi barang Full story

Piracy – ransom payments not contrary to public policy/recoverable as sue & labour under English Law

The subject of piracy has been the subject of much debate given the numerous hijackings off Somalia and elsewhere over the last 18 months or so.   As far as we are aware, none of these cases have resulted in any decisions in the English Courts until the recent decision from the High Court in Masefield AG v Amlin Corporate Member Ltd.   Full story

What is sudden and unforeseen damage?

Many insured companies have grappled with what is sudden and unforeseen damage, especially in business interruption and machinery breakdown policies. Various insurers have had to explain to unhappy clients that a claim was not covered by the insurance policy, because the damage was caused by normal wear and tear or another gradual cause, and was not sudden and unforeseen.   Full story

Siapa yang harus bertanggung jawab jika terjadi malpraktek? Dokter atau RS?

Menyambung tulisan sebelumnya RS tidak perlu takut malpraktek sudah dijelaskan mengenai pentingnya Medical Malpractice Insurance. Lalu siapa yang harus bertanggung jawab jika terjadi malpraktek? Dokter atau RS? Dalam hubungannya dengan Asuransi Medical Malpractice, Pertanyaan ini sama pentingnya dengan “Siapa yang perlu Asuransi Medical Malpractice? Dokter atau RS?   Siapa yang perlu Asuransi Medical Malpractice? Dokter atau RS?   Full story

RS tidak perlu takut malpraktek

RS tidak perlu takut malpraktek
“The medical professional – patient relationship is basically one of trust, regardless of the actual success or failure of medical treatment. One of the main factors determining a patient level of satisfaction to the treatment is whether or not one has the feeling of being respected as a person Full story

Robert Tantular dan Asuransi D&O (Directors & Officers) Liability

Robert Tantular dan Asuransi D&O (Directors & Officers) Liability
Kasus Bank Century telah mengguncang dunia politik dan ekonomi di Indonesia, tidak saja menghancurkan “Bank Century” semata namun juga menyeret pemegang kekuasaan moneter dan fiscal seperti Bank Indonesia, Kementrian Keuangan, LPS, BPK, PPATK, DPR, Partai Politik, Gayatri dan kawan-kawannya, Full story

AAUI genjot sertifikasi agen asuransi umum

JAKARTA (Bisnis.com): Asosiasi Asuransi Umum Indonesia (AAUI) terus menggenjot sertifikasi agen asuransi umum dengan menggelar ujian di Jakarta dan Semarang dalam waktu dekat ini. Sektor asuransi umum terus mengejar ketertinggalannya dari sektor asuransi jiwa dalam hal penanganan agen. AAUI mulai tahun lalu menggenjot ujian keagenan yang hingga akhir tahun sudah berhasil menghasilkan 2.800 agen berlisensi. Full story

Mengapa kami butuh Asuransi Liability?

Mengapa kami butuh Asuransi Liability? Padahal pekerjaan kami hampir tidak mengandung risiko?   Itulah pertanyaan beberapa klien ketika mereka dipersyaratkan untuk membeli Asuransi Liability, pertanyaan itu menyiratkan dua hal, pertama bagi klien mereka tidak mengerti pentingnya Asuransi Liability, kedua bagi perusahaan Asuransi adalah tidak mudah menjual produk Asuransi Liability di Indonesia karena klien baru membelinya ketika ada persyaratan kontrak bukan karena suatu kebutuhan.   Full story

Seandainya mereka tahu Asuransi itu murah dan mudah?

Hampir tidak ada kegiatan ekonomi dewasa ini bisa berjalan tanpa “Asuransi”. Tidak ada export-import tanpa polis Asuransi, Kredit tidak bisa disalurkan tanpa Asuransi, Tidak ada pembangunan gedung, jembatan dan infrastruktur tanpa Asuransi, Kapal (seharusnya) tidak bisa berlayar tanpa polis Asuransi, Mobil (seharusnya) tidak bisa berjalan tanpa bensin dan polis Asuransi, Dokter (seharusnya) tidak bisa praktek tanpa polis Asuransi, Direktur dan Komisaris (seharusnya) tidak bisa menjabat tanpa polis Asuransi, Buruh-buruh (semestinya) tidak boleh bekerja tanpa polis Asuransi, Rumah-rumah pun (seharusnya) tidak boleh dihuni tanpa polis asuransi, Apalagi…??   Mengapa demikian?   Full story

Kegiatan usaha 10 pialang asuransi dibatasi

JAKARTA (bisnis.com): Biro Perasuransian Bapepam-LK mengenakan sanksi pembatasan kegiatan usaha kepada 10 perusahaan pialang yang tersangkut masalah aturan permodalan minimum Rp1 miliar. Selain itu, sembilan perusahaan tercatat dikenakan sanksi peringatan ketiga. Data Biro Perasuransian per 28 Januari menunjukkan 21 perusahaan pialang asuransi dan satu perusahaan pialang reasuransi belum memenuhi ketentuan modal minimum. Full story

Bapepam-LK tak buat aturan tarif premi per produk

JAKARTA (Bisnis.com): Biro Perasuransian Bapepam-LK menegaskan regulator tidak akan membuat aturan cara menentukan tarif premi per produk untuk mengatasi perang tarif di industri asuransi kerugian. Kepala Biro Perasuransian Bapepam-LK Isa Rachmatarwata mengatakan pembuatan aturan per produk sangat menyita waktu dan tidak menimbulkan kedewasaan pelaku, karena pada dasarnya aturan untuk menentukan premi sudah ada di KMK 422/2003 tentang Penyelenggaraan Usaha Perusahaan Asuransi dan Reasuransi. Full story
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Biaya Recall Toyota USD2 M

TOKYO (SI) – Toyota Motor Corporation menyatakan telah menyiapkan dana 180 miliar yen (USD2 miliar) untuk penarikan kembali (recall) delapan juta unit kendaraan di seluruh dunia. Toyota akan memberi dana USD75.000 untuk setiap dealer di Amerika Serikat (AS) sebagai biaya perbaikan delapan model yang ditarik kembali. “Dalam beberapa hari,Anda (dealer) akan menerima cek dari kita untuk perbaikan kendaraan konsumen Toyota,” kata Vice President Toyota Bob Carter dalam surat yang dikirim ke dealer di AS. Dua pekan lalu Toyota di AS mengumumkan penarikan 2,4 juta kendaraan di AS akibat cacat produksi pada pedal gas.Toyota juga menyatakan akan menarik 1,8 juta unit kendaraan di Eropa seminggu kemudian. Full story

Menkeu Cabut Izin Asuransi Andhika Rahardja Putera

Jakarta - Menteri Keuangan Sri Mulyani melalui keputusannya No: KEP-84/KM.10/2010 tanggal 15 Januari 2010 mencabut izin usaha perusahaan asuransi kerugian bernama PT Asuransi Andhika Rahardja Putera (d/h PT Maskapai Asuransi Djakarta 1945). Full story

Bapepam Revisi Aturan Baru Asuransi Kendaraan

Jakarta - Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) menerbitkan menerbitkan aturan baru tentang referensi unsur premi murni serta unsur biaya administrasi dan biaya umum lainnya pada lini usaha asuransi kendaraan bermotor tahun 2010. Full story

Asuransi Kecelakaan Diri (Personal Accident)

Asuransi Kecelakaan Diri (Personal Accident)
Asuransi Kecelakaan Diri (Personal Accident)   Asuransi Kecelakaan Diri Memberikan jaminan terhadap risiko kematian, cacat tetap, dan biaya perawatan atau pengobatan yang disebabkan oleh kecelakaan.   Kecelakaan adalah suatu kejadian atau peristiwa yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia dari luar secara tiba-tiba yang mengakibatkan luka atau cidera badan termasuk keracunan karena terhirup gas atau uap beracun, mati lemas atau tenggelam.   Full story

Property All Risks UKM (Usaha Kecil Menengah)

Property All Risks UKM (Usaha Kecil Menengah)
Jenis Usaha yang Dijamin Studio foto, pusat kebugaran, wartel, restoran, penjahit, isi ulang air minum, pangkas rambut, warnet, apotik, salon kecantikan, rental film, optic, toko, ruko, gudang pribadi, Full story

Property All Risks untuk Kantor

Property All Risks untuk Kantor
Property All Risks (PAR) Kantor memberikan perlindungan Asuransi menyeluruh untuk Bangunan dan Isi (peralatan dan perlengkapan) Kantor Anda dari segala jenis risiko kerugian seperti kebakaran, kemalingan, kerusuhan, huru-hara, banjir, angin topan, gempa bumi, Full story

Property All Risks untuk Rumah Tinggal

Property All Risks untuk Rumah Tinggal
Property All Risks (PAR) Rumah Tinggal memberikan perlindungan Asuransi menyeluruh untuk Bangunan dan Isi (Perabot) Rumah Tinggal Anda dari segala jenis risiko kerugian seperti kebakaran, kemalingan, kerusuhan, huru-hara, banjir, angina topan, gempa bumi, Full story

Importance of shipping methods: Containers, Breakbulk and Bulk

Importance of shipping methods: Containers, Breakbulk and Bulk
It is important to understand the various shipping methods used in marine transport to determine the level of risk involved. The following pages outline the common methods.   Containers   Containers is the principal method for shipping most types of general cargo. The two methods of shipping in containers are:   Full story

Containers & Loss Prevention of Goods in Containers

Types of Containers   There are many and varied types of Containers which have been specifically designed for specialised jobs. Below and on the next few pages are descriptions of some of those more frequently used containers.   Ø       General Purpose Ø       Open Top Ø       Flat Rack Ø       Insulated Ø       Refrigerated Ø       Bulk Ø       Open Sided Ø       Bolster Ø       Tank-tainer   Full story

Loss Prevention of Goods in Containers

Loss Prevention of Goods in Containers
Many publications are now available on loss prevention in the field of container transport. The standards in loading and transporting containers have improved considerably – thanks to the expertise that has been built up in the inland transport sector and the advice provided by container carriers, forwarding agents, and consolidators. Marine insurers and their associations have also contributed to this development in many countries – in their own best interests.   Full story

Damage due to moisture and condensation of containerized goods

Since the transportation of containerized goods is usually covered at all-risk terms and conditions, cargo insurers soon find themselves being called on to indemnify damage due to moisture and condensation. This is by far the main cause of losses in container traffic.   Containers are like scaled-down versions of a ship’s hold and are therefore subject to the same microclimatic conditions as those found on a conventional vessel. In the course of a long voyage, Full story

Standard Modes of Transport: FCL vs LCL

Standard Modes of Transport: FCL vs LCL
The transport chain involves carrying containers by road, rail, and inland waterways from the point of loading to the port of dispatch and from the port of discharge to their final destination. There are a number of new expressions and definitions associated with multimodal and intermodal transport:   FCL (full container load) means that the consignor’s goods fill the container. The full container is delivered to the container terminal and collected from there.   Full story

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)   Sub limit Machinery Breakdown dan Boiler Explosion adalah hal yang umum sekarang dilekatkan pada polis ISR/PAR alasannya apalagi jika bukan “menghemat premium”.    Bingung melekatkan klausul yang mana untuk sub limit MB dan Boiler??   Tempel saja polis MB dan PSAKI?   Or you may use these clauses….   Full story

Business Interruption on Influenza Pandemic

SARS in 2003 had a severe impact on business activity in certain sectors of the economy (Hotels, Airlines, Travel and Health industries) mainly in Asia, a Flu Pandemic, with its greater contagion, is likely to hit the broader business communities globally.   "Business interruption” cover commonly exclude infectious diseases cover. However some underwriters may consider to allow extension on this infectious deseases.   Full story

Rating Composition

A rate for a risk ideally should reflect the hazards and exposures that the risk presents. Similarly the broader the coverage the higher the rate should be.   A rate is made up of:   Full story
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Moral Hazard

Analysis of the moral risk does not only mean assessing the Insured's attitude to risk improvements or physical standards. It also includes what the client may do if he strikes financial difficulties or his behaviours when dealing with a claim.   Moral hazard can be one of the hardest aspects to judge. It’s also one of the most sensitive considerations you may be involved in.   Full story

Housekeeping and Fire Risk

Housekeeping and Fire Risk
Poor housekeeping adds significantly to loss severity and frequency of fires. If a risk is congested (i.e. has a high fire load spread throughout the entire area) you are more likely to experience a total loss of the whole property. Full story

Fire and Allied Perils

Fire implies the actual ignition of something which ought not to be on fire and it must be accidental or fortuitous as far as the insured is concerned. The fire need not originate in the insured premises, so if a fire occurs in a neighbouring premises and as a result damage by scorching or blistering is caused to the insured property, that would be recoverable under the policy. Other circumstances in which the loss is so closely connected with the fire that it is regarded as covered by the policy include:   Full story

Basis of Indemnity

The policy wording will incorporate a definition of Indemnity under the title “Basis of Indemnity”.  The way indemnity is calculated will vary depending upon what is insured. For example:   Buildings   The normal basis for buildings is the cost of repair or reinstatement. Adjustment may be necessary to compensate for “betterment”. This betterment can arise in two ways:   Full story

Sub Limits on IAR/PAR Policies

Sub-Limits are imposed on IAR/PAR Policies to reduce the insurers liability for certain covers or to give extra extensions that are now very common included in the policy schedule   It is important that these be imposed for those type of perils or covers where it is inappropriate for the full policy limit(s) to apply. Remember that where no sub limit appears then the full sum insured is the limit.   Sub limits are now very common for the following covers:   Full story

Schering-Plough selesaikan kasus

NEW JERSEY: Schering-Plough Corp mendapatkan izin penyelesaian kasus dari hakim untuk menutup gugatan pernyataan palsu kepada para investor mengenai obat alergi Clarinex.   Hakim Distrik AS Katharine Hayden di pengadilan federal Newark, New Jersey, memberikan persetujuan atas gugatan class-action yang melibatkan 280.000 investor. Perjanjian itu logis dan adil setelah tujuh tahun proses litigasi dan mediasi," ujarnya dalam putusan kemarin.   Full story

Broadcom bayar US$160juta

FLORIDA: Broadcom Corp sepakat membayar US$160,5 juta tunai untuk menyelesaikan perkara gugatan dengan pemegang saham, terkait dengan praktik stock-option accounting yang dijalankan.   Sebagai kompensasi atas penyelesaian damai yang berhasil tercapai tersebut, sebagaimana dilaporkan Bloomberg, awal pekan ini, para pemegang saham selaku penggugat sepakat untuk membatalkan gugatan yang dilayangkan terhadap direksi dan komisaris perusahaan tersebut. Kendati telah tercapai penyelesaian damai yang berujung pada pencabutan gugatan tersebut, para penggugat dan tergugat tidak mengungkapkan secara detail poin-poin perdamaian yang dicapai kedua pihak. (BLOOMBERG/ELH)   Full story
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Shell dihukum bayar denda

LONDON: Shell UK Oil Products dan dua kontraktornya diganjar hukuman denda dengan jumlah total 283.000 pound sterling oleh Health and Safety Executive (HSE), terkait dengan kecelakaan di kilang minyak yang mencederai karyawannya. Full story
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Microsoft Ganti Rugi 180 juta US Dolar

IOWA- Pengadilan tinggi Iowa memutus Microsoft harus membayar ganti rugi 179,5 juta US dolar kepada warga Iowa, kemarin. Microsoft dinilai telah melakukan praktek monopoli dan anti kompetisi piranti lunak antara 1996 hingga 2006. Full story
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Membuat acuan bagi hakim hitung ganti rugi kasus HaKI

Selasa, 05/01/2010 00:00 WIB Membuat acuan bagi hakim hitung ganti rugi kasus HaKI Para penegak hukum sepakat perlunya peraturan sebagai acuan bagi hakim dalam membuat putusan nilai ganti rugi dalam perkara berkaitan dengan hak atas kekayaan intelektual (HaKI). Kesepakatan tersebut diambil dalam satu workshop yang diselenggarakan oleh Tim nasional penanggulangan pelanggaran hak kekayaan intelektual di Bali pertengahan bulan lalu. Full story
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Other IMO Conventions

Other IMO Conventions   International Convention on Salvage, 1989 - 14/7/1996   The Convention replaced a convention on the law of salvage adopted in Brussels in 1910 which incorporated the "'no cure, no pay" principle under which a salvor is only rewarded for services if the operation is successful.   Full story

Maritime Safety Conventions: SOLAS, COLREG, STCW-F, SAR, SUA, Etc

Maritime Safety Conventions: SOLAS, COLREG, STCW-F, SAR, SUA, Etc   International Convention on Standards of Training, Certification and Watchkeeping for Fishing Vessel Personnel (STCW-F), 1995 - 7/7/1995   The Convention is the first attempt to make standards of safety for crews of fishing vessels mandatory. The revised Document for Guidance on Training and Certification of Fishing Vessel Personnel produced jointly by IMO and the Food and Agriculture Organization (FAO) and the International Labour Organization (ILO) takes into account the provisions of the STCW-F Convention.   Full story

Convention on Limitation of Liability for Maritime Claims (LLMC), 1976

Convention on Limitation of Liability for Maritime Claims (LLMC), 1976 Adoption: 19 November 1976 Entry into force: 1 December 1986   Introduction   The Convention replaces the International Convention Relating to the Limitation of the Liability of Owners of Seagoing Ships, which was signed in Brussels in 1957, and came into force in 1968.   Full story

Protection & Indemnity (P&I) Cover

Protection & Indemnity (P&I) Cover
Protection & Indemnity (P&I) Cover   1. Personal injury to or illness or loss of life of crew members   The shipowner may be exposed to such claims in tort or under statute law, although it is more usual for the claims to be made under the crew member's collective agreement or particular contract of employment. Full story

UK P&I Club – What is P&I?

UK P&I Club - What is P&I?   Shipowners insure against loss of or damage to their ships with hull underwriters. They look to the P&I Clubs for insurance against their liabilities to others. These include their exposure to claims for damage or compensation in respect of the following heads of cover. The following description is a 'layman's guide' to the Rules of the Club and should not be treated as in any way definitive of the terms of cover provided. If you would like to see the full text of the Rules, please see Publications. Full story

Collision Liabilities

Collision Liabilities   i. One-fourth collision liability   The English form of hull policy requires the ship's hull underwriter to pay three-fourths only of the liability of the insured ship in respect of loss or damage to another ship or her cargo as a result of the collision (subject always to the maximum mentioned under (iii) below). The remaining one-fourth of such liability is insured by the shipowners Club. This one-fourth usually makes the Club the largest single insurance interest, and in practice the managers of the Club will usually be asked by the hull underwriters to handle the issue of collision liability with the other ship and her cargo on behalf of all the underwriting interests. It is also usual for the Club concerned to give, on behalf of the insured shipowner, any necessary guarantees to the other ship and her cargo, the Club taking appropriate counter-security from the insured shipowner and also from the hull underwriters (or brokers) to the extent of their respective interests.   Full story

The International Group of P&I Clubs

The International Group of P&I Clubs   The International Group of P&I Clubs exists to arrange collective insurance and reinsurance for P&I Clubs, to represent the views of shipowners and charterers who belong to those Clubs on matters of concern to the shipping industry and to provide a forum for the exchange of information.   Full story
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