Home » Engineering & Construction » Apa Penyebab Utama Klaim Pada Asuransi Rekayasa (Engineering) ?

Apa Penyebab Utama Klaim Pada Asuransi Rekayasa (Engineering) ?

Sunday, May 4, 2014, 7:07
Engineering & Construction
57 comments

Berdasarkan statistik yang dipublikasikan oleh IMIA the International Association of Engineering Insurers,

Diketahui bahwa penyebab utama klaim pada asuransi engineering adalah (1) Faulty Operation (2) Faulty Material and Workmanship (3) Faulty Design (4) Fire (5) Explosion (6) Natural Hazards dan (7) Others.

Kalau kita jumlahkan maka (1), (2), (3) – Faulty Operation, Faulty Material and Workmanship dan Faulty Design menempati urutan teratas dengan 70% lebih penyebab klaim., tidak hanya untuk asuransi CAR dan EAR tetapi juga untuk semua jenis asuransi engineering.

Asuransi engineering berdasarkan publikasi IMIA termasuk:

BE : Boiler Explosion

CAR : Contractor‘s All Risks

EAR : Erection All Risks

EE : Electronic Equipment

G : Guarantee

IDI : Inherent Defects (Decennial) Insurance

LoP : Loss of Profits (MLoP & ALoP)

MB : Machinery Breakdown

Jadi apa yang harus Underwriters lakukan? Hhmm ya..paling tidak rate atau preminya yang bagus dan juga deductibles yang adequate, terutama untuk penyebab utama klaim (major perils) yaitu (1) Faulty Operation (2) Faulty Material and Workmanship (3) Faulty Design (4) Fire (5) Explosion (6) Natural Hazards

Download Statistik IMIA 2010-2012

Baca lebih lanjut mengenai “Faulty Design”

Good Luck !!

By Imam MUSJAB

Tel +628128079130 email at imam.musjab@qbe.co.id or imusjab@gmail.com

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Tags: CAR, EAR, Engineering, Explosion, Faulty Design, Faulty Material and Workmanship, Faulty Operation, Fire, Natural Hazards

About the Author

IMAM MUSJAB has written 1877 stories on this site.

57 Comments on “Apa Penyebab Utama Klaim Pada Asuransi Rekayasa (Engineering) ?”

Suryanda Nakagawa wrote on 7 May, 2014, 8:32
Thanks for your great sharing…

You’re Welcome, Pak
edo aditya wrote on 9 May, 2014, 10:42
website yang sangat berguna bagi para praktisi asuransi dan keuangan.
semoga selalu update.

terima kasih untuk infonya

Terima Kasih, Pak
Dimas Andika P wrote on 4 July, 2014, 22:11
good knowledge pak.. sukses terus….

* sayangnya di Indonesia ga ada yang buat statistik seperti ini yang khusus untuk actual claim yang terjadi di Indonesia..hehe

Ya..begitulah, Damn I Love Indonesia!
denni wrote on 6 September, 2014, 7:51
Selamat pagi pak imam, Kalo boleh tau pak, deductible utk. Point 1, 2 dan 3 lebih masuk kemana ? Apa bs dimasukkan ke other cause .
Terima kasih.

Tergantung Polisnya Pak, kalo tidak disebutkan spesifik berarti masuk OTHERS.

Namun seringkali sekarang “Faulty design, material and workmanship” masuk ke deductible MAJOR PERILS seperti Fire, AOG dll….
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