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Surat Edaran Otoritas Jasa Keuangan Nomor 27/SEOJK.05/2017 tentang Pedoman Pembentukan Cadangan Teknis bagi Perusahaan Asuransi dan Perusahaan Reasuransi.

Surat Edaran Otoritas Jasa Keuangan Nomor 27/SEOJK.05/2017 13 JUNI 2017 ​SAL LAMPIRAN SEOJK 27 - CADANGAN TEKNIS PA PR.PDFSAL SEOJK 27 - CADANGAN TEKNIS PA PR.PDF Surat Edaran Otoritas Jasa Keuangan Nomor 27/SEOJK.05/2017 tentang Pedoman Pembentukan Cadangan Teknis bagi Perusahaan Asuransi dan Perusahaan Reasuransi. Full story
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Produk Surety Bond dan Asuransi Kredit : Apakah perusahan asuransi umum dapat menjual produk Surety Bond dan Asuransi Kredit paska pemberlakukan Undang-Undang Nomor 1 Tahun 2016 tentang Penjaminan?

Subject: SE-34: Produk Surety Bond dan Asuransi Kredit Kepada Yth, Bapak dan Ibu Liaison Officer Perusahaan Asuransi Umum & Reasuransi Anggota AAUI Rapat Umum Anggota (RUA) AAUI  tanggal 22 Maret 2019 telah membahas posisi industri asuransi umum serta sikap AAUI sehubungan dengan pemberlakukan Undang-Undang Nomor 1 Tahun 2016 tentang Penjaminan, dimana regulasi tersebut menimbulkan pertanyaan terkait dengan eksistensi produk Suretyship dan Asuransi Kredit yang selama ini ... Full story

Penjarahan yang terjadi pasca gempa bumi di Palu dan Donggala, apakah dijamin oleh asuransi?

SE-38 : Penjarahan yang Terjadi Pasca Gempa Bumi di Palu dan Donggala Kepada Yth, Bapak dan Ibu Liaison Officer Perusahaan Asuransi Umum & Reasuransi Anggota AAUI Kasus penjarahan pasca kejadian gempa bumi di daerah Palu, Donggala dan sekitarnya yang terjadi pada bulan September/Oktober 2018 menimbulkan penafsiran yang berbeda-beda dalam penanganan klaim dikalangan pelaku ... Full story

Lampiran Penjelasan Polis Standar Asuransi Kendaraan Bermotor Indonesia (PSAKBI)

SE-33 Penjelasan Polis Standar Asuransi Kendaraan Bermotor Indonesia (PSAKBI) - Tgl 29 Maret 2019 Kepada Yth, Bapak dan Ibu LO Perusahaan Asuransi Umum & Reasuransi Anggota AAUI Sebagaimana diketahui bersama bahwa PSAKBI telah mengalami beberapa kali perubahan dan terakhir diubah pada tahun 2016 dengan tujuan penyempurnaan isi polis untuk meminimalisir potensi dispute. Namun ... Full story
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Ujian Kompetensi Underwriters (Certified Underwriter)

Menjadi underwriters tentu harus memiliki kompetensi untuk : Menganalisa risiko yang dibawa oleh klien, agen atau broker Memutuskan apakah dapat menerima risiko tersebut dan seberapa besar Menetapkan persyaratan, kondisi dan jaminan yang diberikan Menghitung premi yang cukup untuk risiko tersebut Yook buktikan kompetensi Anda sebagai Underwriters dengan mengikuti Ujian Kompetensi Underwriters (Certified Underwriter) yang ... Full story

Schedule Training Asuransi 2019

Whether you’re interested in developing your own career or you have responsibility for the training needs of others, you’ll find everything you need in this directory to build your training course programme with us. Schedule Training Asuransi 2019 - Download di sini Schedule Training ... Full story

Ujian ANZIIF Affiliate, ANZIIF Associate and ANZIIF Senior Associate CIPs

Don't Miss Out!! Ujian Jakarta : Brosur dan Formulir Pendaftaran Ujian Surabaya : Brosur dan Formulir Pendafataran Ujian Medan : Brosur dan Formulir Pendafataran   ANZIIF & AALC menyelenggarakan training tutorial dan Ujian ANZIIF Affiliate, ANZIIF Associate and ANZIIF Senior Associate CIPs 1. ANZIIF Affiliate CIP ... Full story

Daftar Perusahaan Pialang Asuransi dan Perusahaan Penilai Kerugian Asuransi

Daftar Perusahaan Pialang Asuransi dan Perusahaan Penilai Kerugian Asuransi dapat dilihat di website OJK www.ojk.go.id atau dengan mengakses link berikut: Direktori AsuransiDirektori Perusahaan Penilai Kerugian Asuransi   Direktori Perusahaan Pialang Reasuransi   Direktori Perusahaan Pialang Asuransi   OJK mengimbau masyarakat agar ... Full story

AHLIASURANSI SALVAGE MANAGEMENT

AHLIASURANSI SALVAGE MANAGEMENT
Untuk urusan salvage klaim asuransi kapal, kebakaran, kargo, alat berat dan barang-barang lainnya serahkan kepada kami :  AHLIASURANSI SALVAGE MANAGEMENT Kami SURVEY ke lokasi Kami OFFER harga tinggi THAT’S IT AS IT IS   --    Hubungi kami,   Imam Musjab AHLIASURANSI SALVAGE MANAGEMENT Tel : +628128079130 salvage@ahliasuransi.com... Full story

AHLIASURANSI LAWYERS CLUB (AALC)

AHLIASURANSI LAWYERS CLUB (AALC)
For Insurers: If you have had an insurance claim disputes, recovery actions, subrogations have not been paid in full, or if you’re having difficulty with your clients or frauds, AHLIASURANSI Lawyers Club (AALC) can help you. Untuk Perusahaan Asuransi: Jika Anda mempunyai masalah klaim, recovery atau subrogasi klaim Anda belum dibayar penuh, atau jika Anda mengalami kesulitan dengan klien Anda ... Full story

Academy of General Insurance (Basic Training) “How to become a prudent insurance practitioner?

ACADEMY OF GENERAL INSURANCE HOW TO BECOME A PRUDENT INSURANCE PRACTITIONER? You should learn and understand : RISK MANAGEMENT POLICY & INSURANCE DOCUMENTATION PRINCIPLES & PRACTICE OF INSURANCE UNDERWRITING & RATING GENERAL INSURANCE PRODUCTS REINSURANCE CLAIMS HANDLING OJK REGULATION UPDATES 15 ANZIIF CIP Points Dilengkapi dengan ... Full story

Bedah Polis dan Klaim Asuransi Kapal

UNDERSTANDING HULL & MACHINERY (H&M) INSURANCE (Coverage & Claims Issues) Bedah Polis dan Klaim Asuransi Kapal Saturday, 27 October 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : BAYU SAMUDRO, SE, AAIK, ICPU, ICMarU, ICEU, ICLiU, ICMoU, QIP, ANZIIF (Snr Assoc) CIP Claimable : 6 ANZIIF CIP Points Syllabus dan Formulir Pendaftaran, Klik di sini... Full story

ANZIIF Associate CIP

ANZIIF Associate CIP
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Best Practice of Claim : Property & Construction

Best Practice of Claim : Property & Construction Klaim Asuransi Harta Benda (Property) & Asuransi Konstruksi (CAR/EAR) disertai dengan bedah kasus, investigasi, perhitungan klaim & permasalahannya Tgl : 8-9 October 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : TATA SUNANTA GUNAWAN, Chartered Loss Adjuster, Ir, ACII, ACLA, ICAP, FIFAA, ANZIIF (Snr Assoc) CIP Level : Intermediate Scope : ... Full story

Manajemen Risiko Perusahaan Asuransi (Risk Management for Insurance Companies)

Manajemen Risiko Perusahaan Asuransi (Risk Management for Insurance Companies) 28 September 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : Michael Halim, ST, MAppFin, FAII, AAAIK, PRMTM, ANZIIF (Fellow) CIP Level Intermediate Level (Dalam Bahasa Indonesia) Programme Outline (Syllabus) Risks classification •Inherent risks in an insurance company •The nature of risk •Role of risk management Insurance ... Full story

Preparing Non-life Treaty Renewal: Designing treaty program that suits your strategy and portfolio

Preparing Non-life Treaty Renewal: Designing treaty program that suits your strategy and portfolio 26-27 September 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : Delil Khairat, S.Si, MBA, ACII, AAAIK, FIIS Level Intermediate (dalam bahasa Indonesia) Syllabus dan Formulir Pendaftaran : klik di sini Scope : Practical knowledge Objective • To understand how various ... Full story

Engineering and Construction Techniques and Technology 101 for Non-Engineers

Engineering and Construction Techniques and Technology 101 for Non-Engineers (with Risk and Insurance focus) 5-6 September 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : Ir. Pooba Mahalingam, B.Eng (Hons), P.Eng, MIEM, MCIHT, AICLA(aff), ASII, ACTA Dalam bahasa Inggris dan bahasa Indonesia Syllabus dan Formulir Pendaftaran klik di sini Programme Highlights This is a ... Full story

Risiko berdampingan (adjacent risk), Risiko berbatasan (adjoining risk) dan Risiko multi okupasi

Risiko berdampingan (adjacent risk) Risiko berdampingan adalah dua risiko atau dua bangunan atau lebih yang saling berdampingan / berdekatan dan mempunyai atap masing-masing, dengan dipisahkan oleh jarak. Dengan demikian risiko-risiko / bangunan bangunan yang bersangkutan tidak saling menempel atau tidak saling bersatu. Pengertian jarak adalah garis lurus terpendek yang menghubungkan tepi bagian paling luar dari setiap bangunan yang saling berdampingan. Pada ... Full story

How to underwrite property risk?

Bagaimana meng-underwrite risiko asuransi harta benda? Underwriting is not about pricing. Underwriting is a risk selection. Price will not make a poor risk become a good risk. How to Underwrite is how to select a good quality risk with appropriate terms and conditions The policy terms and pricing for a risk will be a reflection of your underwriting judgement on the ... Full story

Gudang pribadi v gudang umum dalam kode okupasi asuransi kebakaran

Banyak perdebatan apakah suatu risiko masuk kategori gudang pribadi (private warehouse) atau gudang umum (public warehouse)? karena eksposure risikonya terutama terhadap bahaya kebakaran dan pencurian sangat tinggi maka gudang umum dikenakan tarip jauh lebih besar. Pada pertemuan para underwriting, dibahas mengenai apa yang dimaksud dengan "gudang pribadi" yaitu: Mengenai Kepemilikan Bangunan / Gudang Bangunan / Gudang yang bersangkutan adalah ... Full story

Ujian ANZIIF Associate CIP

Ujian ANZIIF Associate CIP
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Trade Credit Insurance

Trade Credit Insurance The Key to Successful Credit Risk Mitigation and Enhancing your Client’s Credit Management to safely grow their Business 18-19 July 2018 @Ayana MidPlaza Hotel, Jakarta Hadir kembali Tgl : 24-25 September 2018 @Ayana MidPlaza Hotel, Jakarta Facilitators: Ir. R. Ricky S. Natapradja, APAI, CIIB, ANZIIF (Snr Assoc.), CIP. Assoc. I.E. Aust., ... Full story

Fundamental of Reinsurance: How It Works and Mix & Match

Fundamental of Reinsurance: How It Works and Mix & Match 16-17 July 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : Delil Khairat, S.Si, MBA, ACII, AAAIK, FIIS Level : Beginner Scope : Basic knowledge Learning Objective  To introduce basic concept of reinsurance and its relevance  To understand how various types and methods of reinsurance work individually  To understand how different types and methods ... Full story

Bedah Kasus Klaim Asuransi Kendaraan Bermotor

Bedah Kasus Klaim Asuransi Kendaraan Bermotor Ditinjau dari jaminan Polis Standar Asuransi Kendaraan Bermotor Indonesia (PSAKBI), Perluasan Jaminan, Kitab Undang-Undang Hukum Pidana (KUHP), KUH Perdata, KUHD, serta Peraturan dan Perundang-Undangan yang berlaku 23 July 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : A.A. NGURAH ADNYANA DIPTA, SH, MM, AAIK, ICMoU, ICBU, CRGP Level : Intermediate Scope : Bedah Kasus Klaim Asuransi ... Full story

Apa yang dapat menyebabkan kapal terbalik?

PENYEBAB KAPAL TERBALIK Oleh : Ir. Sjaifuddin Thahir, MSc. Semua kapal tak terkecuali di dunia ini bisa terbalik. Kenapa bisa terbalik? Hal ini disebabkan karena situasi dan kondisi kapal yang awalnya miring, biasanya ke salah satu sisi kapal. Ke kiri atau ke kanan. Sehingga kapal tidak dapat berdiri tegak kembali atau kondisi kapal tidak bisa kembali seperti halnya pada posisi semula ... Full story

ANZIIF Associate CIP

ANZIIF Associate CIP
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FAQ : ANZIIF Competency Assessment Examination in General Insurance (CAE)

Terima kasih atas antusiasme yang luar biasa dari rekan-rekan HR dan kolega untuk mengikuti program ANZIIF Competency Assessment Examination in General Insurance (CAE) kerja sama ANZIIF & AALC. Brosur dan Formulir Pendaftaran klik di sini ANZIIF : Australian and New Zealand Institute of Insurance and Finance AALC : ... Full story

[Breaking News] Mau mendapatkan gelar “ANZIIF Associate CIP” hanya dalam 3 hari? (Ujian dalam Bahasa Indonesia)

SURABAYA Setelah sukses dengan tingkat kelulusan 95% pada Batch 1, Jangan lewatkan kesempatan untuk mendapatkan gelar kualifikasi Internasional ANZIIF (Associate) CIP pada ujian Batch 2 di Surabaya Formulir Pendafataran Ujian ANZIIF CAE Surabaya : Klik di sini  JAKARTA Jangan lewatkan kesempatan untuk mendapatkan gelar kualifikasi Internasional ANZIIF (Associate) CIP pada ... Full story
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Understanding the Engineering Insurances (Memahami Polis-Polis Asuransi Engineering : CAR, EAR, MB, LOP MB, EEI & CECR)

UNDERSTANDING THE ENGINEERING INSURANCES Memahami Polis-Polis Asuransi Engineering : CAR, EAR, MB, LOP MB, EEI & CECR 4-5 July 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : BAYU SAMUDRO, SE, AAIK, ICPU, ICMarU, ICEU, ICLiU, ICMoU, QIP Learning Objectives Memahami Polis-Polis Asuransi Engineering : CAR, EAR, MB, LOP MB, EEI & CECR (Understanding The Engineering Insurances) ... Full story
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Understanding Property All Risks (PAR) and Business Interruption (BI) Insurances and Claim Issues (Special analysis on New Munich Re IAR Policy wordings)

Understanding Property All Risks (PAR) and Business Interruption (BI) Insurances and Claim Issues (Special analysis on New Munich Re IAR Policy wordings) Bedah Polis dan Klaim Asuransi Harta Benda dan Gangguan Usaha (PAR & BI) 27-28 June 2018 @Ayana MidPlaza Hotel, Jakarta Facilitator : IMAM MUSJAB, SE, AIIS, AAIK, ICPU, QIP About the Facilitator:... Full story

Ship Arrest, Seizure or Confiscation or Detention

1. The Ship Arrest Under the Criminal Case In the Criminal Case the Police Investigator has right to seizure or confiscation or detention under Article 39 Indonesia Criminal Code. 2. The Ship Arrest Under Civil Case Indonesian Shipping Law 17 Year 2008 Article 223 paragraph (1) The Judge has right to declare the detention of vessel without Lawsuit of ... Full story

Actio Pauliana

Dalam bahasa Inggris "claswsback provision" adalah yang diberikan oleh undang undang kepada setiap Kreditor untuk menuntut kebatalan dari segala tindakan Debitor yang tidak diwajibkan untuk dilakukannya. Namun dengan ketentuan bahwa tindakan Debitor tersebut sepanjang dapat dibuktikan bahwa pada saat tindakan tersebut dilakukan, Debitor dan pihak dengan siapa Debitor mengikatkan diri mengetahui bahwa mereka dengan dilakukannya tindakan itu menyebabkan terjadinya kerugian kepada Kreditor. ... Full story

Hubungan Kepailitan dan Insolvensi

Menurut Credit Counselling Society, dua istilah tersebut, yaitu Kepailitan dan Insolvensi, sering membingungkan apabila kita tidak memahami dengan baik masing masing pengertiannya. Kedua istilah tersebut memiliki arti yang berbeda tetapi terkait satu dengan lainnya. Kedua istilah tersebut berjalan berbarengan. Dikemukakan oleh Rohan Lamprecht: "Insolvency does not necessarily lead to bankruptcy, but all bankruptcy debtors are considered ... Full story

Prinsip Prinsip Dalam Hukum Kepailitan

Pailit merupakan suatu keadaan dimana debitor tidak mampu untuk melakukan pembayaran-pembayaran terhadap utang-utang dari para kreditornya. Algra mendefinisikan kepailitan adalah "Paillissementis een gerechetlijk beslag op het gehele vermorgen van een schuldenar ten behoeve van zijn gezameijke schuldeiser" (Kepailitan adalah suatu sitaan umum terhadap semua harta kekayaan dari seorang debitor (si berutang) untuk melunasi utang-utangnya ... Full story

Mengapa belajar bersama AHLIASURANSI tidak akan pernah cukup?

Jika biasanya peserta training  atau workshop sering kali melirik ke arah jam tangan dan bertanya kapan selesainya ya? karena pembahasan sudah tidak manarik dan diskusi mulai garing. Belajar bersama #AHLIASURANSI malah sebaliknya, peserta minta tambahan waktu bahkan tambahan sehari lagi untuk melanjutkan diskusi atau pembahasan yang semakin seru. Mengapa demikian? Karena belajar bersama #AHLIASURANSI anda mendapatkan "real ... Full story

Fraud di Asuransi Umum : Brokers v.s. Underwriters

Fraud Yang Dilakukan Oleh Brokers: 1. Rate Differentiation 2. Komisi Untuk Retention 3. Fee Kepada Oknum Perusahaan Asuransi 4. Wording Klausul Dan Judul Berbeda 5. Klausul Yang Bertentangan Isinya, Juga Dengan Waranty/ Conditions Policy 6. Polis Tidak Sesuai Dengan Placing Slip 7. Security List Tidak Sesuai 8. Placing Slip Batal 9. Premi Quotation Slip ... Full story
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Pasal-Pasal Penting Sehubungan Dengan Fraud di Asuransi

Pasal 1338 (3): Suatu perjanjian harus dilaksanakan dengan itikad baik. Pasal 1321 KUH Perdata Tiada sepakat yang sah apabila sepakat itu diberikan karena kekhilafan, atau diperolehnya dengan paksaan atau penipuan. Pasal 1328 KUH Perdata Penipuan merupakan suatu alasan untuk pembatalan perjanjian, apabila tipu-muslihat, yang dipakai oleh salah satu pihak, adalah sedemikian rupa sehingga terang dan nyata bahwa pihak ... Full story
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Aneka Modus dan Pelaku Kecurangan Pada Industri Asuransi Indonesia

Fraud di Asuransi adalah Tindakan penyimpangan atau pembiaran yang sengaja dilakukan untuk mengelabui, menipu, atau memanipulasi Perusahaan pemegang polis, tertanggung, peserta, atau pihak lain, yang terjadi di lingkungan Perusahaan dan/atau menggunakan sarana Perusahaan sehingga mengakibatkan Perusahaan, pemegang polis, tertanggung, peserta, atau pihak lain menderita kerugian dan/atau pelaku Fraud memperoleh keuntungan keuangan baik secara langsung maupun tidak langsung ... Full story
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Mengapa banyak perusahaan rugi di lini bisnis asuransi kapal?

Banyak perusahaan asuransi rugi di lini bisnis asuransi kapal, mengapa? Underwriters yang tidak prudent dalam meng-underwrite lini bisnis asuransi kapal (#UnderwritersMasihAda?) Mengejar target pencapaian budget dengan melupakan seleksi risiko yang seharusnya dilakukan Usaha pertambangan sepi menyebabkan usaha pelayaran terpukul hebat akibatnya banyak kapal yang lay-up, dan maintenance kapal tidak diperhatikan Klaim fraud tinggi, ... Full story

Gara-gara Kopi Panas, Nenek Tua Seret McDonald’s ke Meja Hijau

Menjadi restoran cepat saji yang namanya telah dikenal di seantero jagad, McDonald's tentu harus lebih berhati-hati dalam melayani para konsumennya. Faktanya, McDonald's tetap harus berurusan dengan pihak berwajib setelah seorang wanita tua berusia 79 tahun menuntut pihak manajemen. Kala itu, Stella Liebeck tidak sengaja menumpahkan kopi panas McDonald's ke pangkuannya. Alhasil, kaki dan area sekitar pahanya terkena luka ... Full story

Gugatan Terhadap Coca Cola Masih Harus Menempuh Jalur Mediasi

Akibat meminum Coca Cola yang tercampur obat nyamuk bakar, pengusaha Jepang menggugat PT. Coca Cola. Namun, sebelum persidangan terus berlanjut, majelis hakim PN Jaksel mengupayakan kedua belah pihak agar menempuh jalur mediasi. Dalam persidangan pertama hari ini (17/05), majelis PN Jaksel yang diketuai Soedarto menawarkan kepada Takasu Masaharu (penggugat) dan PT.Coca Cola Indonesia, PT Coca Cola Bottling Indonesia, dan  PT ... Full story

Langkah Hukum Jika Anak Terjepit Eskalator di Mall

Pertanyaan : Langkah Hukum Jika Anak Terjepit Eskalator di Mall Bulan kemarin anak saya serta istri saya belanja di mall dan pada saat itu istri saya sedang di kasir membayar, lalu tiba-tiba anak saya hilang dari pegangan istri saya, setelah itu saya melihat anak saya terjepit eskalator yang menyebabkan tulang jari kaki anak saya remuk karena terjepit mesin eskalator. Sekarang anak ... Full story

Bisakah Tamu Menuntut Hotel Bila Tertimpa Dinding yang Roboh karena Angin?

Pertanyaan : Bisakah Tamu Menuntut Hotel Bila Tertimpa Dinding yang Roboh karena Angin? Bila suatu angin kencang merusak bagian dari bangunan hotel contohnya angin kencang merobohkan salah satu sisi dinding yang kemudian menimpa dan melukai tamu, apakah secara hukum hotel dapat disalahkan/dituntut oleh tamu? Bila ya, apa dasar hukumnya? Apakah dengan berdalih bahwa kecelakaan adalah akibat dari angin kencang/Act of God, ... Full story

Cyber Attack Mengancam Perusahaan Pelayaran

Banyak orang tidak mempercayai industri pelayaran rentan terhadap risiko cyber, tapi dengan fakta 90% perdagangan dunia melalui laut, maka industri pelayaran merupakan salah satu target utama serangan cyber. Dampak risiko cyber sering diremehkan padahal skala kerugian yang ditimbulkan dari serangan cyber cukup luas, termasuk kerusakan fisik properti, cidera tubuh & kerugian reputasi, juga kerugian yang lebih nyata seperti ... Full story

Sudah Menolak “Notice of Abandonment” Kok Masih Kepingin Bangkai Kapalnya?

Mungkin ringkasan artikel ini jika dibaca oleh praktisi asuransi akan membuat gerah sebagian besar mereka yang sudah terbiasa memahami dari pemikiran yang ada bahwa dalam klaim CTL, meski Asuransi sudah menolak NOA tetapi tetap berhak atas hasil penjualan bangkai kapal. Pemahaman ini tidak salah karena merujuk ke MIA 1906, Pasal 67, 68 dan 79(1). Tapi hal ini ... Full story

Fraud in Marine Insurance – Kasus “Salem” (The ‘Titanic’ of Maritime Fraud)

Klaim-klaim penipuan bukan hal yang aneh dalam industri marine insurance. Salah satu metode yang sering dilakukan & dulu terbilang mudah adalah, jika tertanggung dengan sengaja menenggelamkan kapalnya (istilah di dunia asuransi "scuttling") di tengah laut, maka diharapkan semua bukti fisik insiden akan hilang di dasar laut. Terkait hal ini, di dunia maritim pernah terjadi penipuan kelas berat ... Full story

Fundamental of Liability Insurances : General & Professional Liability (What’s Covered And What’s Not)

Fundamental of Liability Insurances : General & Professional Liability Dasar-Dasar Asuransi Tanggung Jawab Hukum Umum & Profesional (What’s covered and what’s not) Learning Objectives Banyak underwriters dan praktisi asuransi yang bingung apa bedanya General Liability v Professional Liability, apa saja yang dijamin, bagaimana menetapkan limit of liability, bagaimana menghitung tarif preminya? Training ... Full story

Manfaat BPJS Ketenagakerjaan ternyata sudah bagus

Manfaat BPJS Ketenagakerjaan (Employees Social Security System) ternyata sudah bagus tidak perlu lagi membeli asuransi kecelakaan kerja (Workers Compensation) BPJS Ketenagakerjaan Program Jaminan Kecelakaan Kerja Jaminan Kematian Jaminan Hari Tua Jaminan Pensiun Program Jaminan Kecelakaan Kerja (JKK)... Full story

Cyber and Data Security (CDS) Insurance

Our CDS solution provides protection against third party liability arising from unauthorised access to your systems. In addition, we also provide first party protection as outlined below. The cover provided is supported by global reputable Cyber emergency service providers which QBE has partnered with to ensure a smooth and professional handling of the Cyber incidents and claims. Scope of Cover – Third Party Cyber, data security ... Full story

Dealing with Contractor’s All Risks (C.A.R) Insurances (Coverage and Claims Issues)

Programme Highlights Indonesia has seen an increase in large infrastructure development projects cropping up in recent years. Accordingly, the demand for Construction and Engineering-related insurances has grown steadily to cover such risks. This two day intensive course comprising lectures and case studies will enable participants to acquire sound technical knowledge of one of the main Engineering insurance classes ... Full story

The “Nuts & Bolts” of Treaty Reinsurance: Proportional & Non-Proportional Treaty Reinsurance

Learning Objectives The “Nuts & Bolts” of Treaty Reinsurance: Proportional & Non-Proportional Treaty Reinsurance ini mengupas tuntas prinsip-prinsip dan praktik reasuransi, mulai dari hal yang basic, funsi-fungsi reasuransi, metode reasuransi proportional dan non proportional, treaty, facultative dan studi kasus. Setelah training, peserta akan dapat : • Memahami prinsip-prinsip dan praktik reasuransi • Memahami metode dan ... Full story

Komparasi Polis IAR Policy Munich Re Ver 2.3/2017 (Polis Baru) vs IAR Policy Munich Re Ver 03/1991 (Polis Lama)

Tahukah anda bahwa Munich Re telah menerbitkan polis Industrial All Risks (IAR) baru? Apa perbedaan Polis IAR Policy Munich Re Ver 2.3/2017 (Polis Baru)  vs IAR Policy Munich Re Ver 03/1991 (Polis Lama)? Selalu menjadi hal menarik setiap muncul Polis Baru, hal yang harus dilakukan adalah membuat komparasi, perbandingan disertai pembahasan, aplikasi dan studi kasus klaim. Demikian yang terjadi dalam ... Full story

Training Calendar 2018 (By Month)

Whether you’re interested in developing your own career or you have responsibility for the training needs of others, you’ll find everything you need in this directory to build your training course programme with us. JANUARY 2018 LIA-06 A short course on Professional Indemnity Insurance. with special focus on Coverage and Claims (Engineers, Architects and Surveyors) (in English ... Full story

Gross earnings endorsement

In consideration of the premium paid, and subject to the exclusions, conditions and limitations this policy to which this extension is attached, and also to the following additional conditions, exclusions, and limitations, this policy is extended to cover actual loss sustained resulting from necessary interruption of business insured caused by actual direct physical loss or damage sustained, as ... Full story

Discontinuance of business clause endorsement

If the business insured is discontinued after the occurrence of the insured event, the indemnity shall be paid for the period (up to the maximum indemnity period) which would normally have been required to bring the business insured back to normal. In the event that the insured controls the circumstances because of which the business insured is discontinued, the said ... Full story

Service interruption endorsement

This extension is subject to the exclusions, conditions and limitations of this policy to which this extension is attached. In consideration of the premium paid, it is understood and agreed that if this policy covers business interruption such coverage shall extend to actual loss sustained resulting from necessary interruption of business insured caused by actual direct physical loss or ... Full story

Civil authority interruption endorsement

This policy is extended to cover the actual loss sustained by the insured during the period of time, not exceeding fourteen (14) consecutive calendar days, when access to covered locations is specifically prohibited by order of civil authority, provided such order is a direct result of actual loss or damage sustained from a peril covered under section 1 of this ... Full story

Denial of access endorsement

This policy is extended to cover the actual loss sustained by the insured during the period of time, not exceeding fourteen (14) consecutive calendar days, when access to covered locations is prevented as a direct result of actual loss or damage sustained from a peril covered under section 1 of this policy to property insured against under section 1 of ... Full story

Contingent business interruption endorsement

This extension is subject to the exclusions, conditions and limitations of this policy to which this extension is attached. In consideration of the premium paid this policy is extended to cover the actual loss sustained by the insured during the period of insurance as a direct result of actual loss or damage sustained from a peril named under section ... Full story

Public authorities endorsement

This policy is extended to include such additional cost of reinstatement of the property insured subject to a covered loss or damage as may be incurred solely by reason of the necessity to comply with building or other regulations under or framed in pursuance of any act of parliament or with bye-laws of any public authority, excluding the cost incurred ... Full story

Professional accountants clause endorsement

Any particulars of details contained in the insured’s book of account or other business books or documents which may be required by the insurer under this policy for the purpose of investigating or verifying any claim hereunder may be produced by professional accountants if at the time they are regularly acting as such for the insured and their report shall ... Full story

Fine art endorsement

1. This policy is extended to cover the actual physical loss or damage sustained by the insured to fine arts whilst situated at the location(s) covered by this policy. 2. For the purpose of this endorsement, Fine art shall mean paintings/pictures/sketches of any kind whether created by applying water/oil/acrylic based paints, charcoal, pencil or collage; art photographs; tapestries; sculptures; statuary; antiques; valuable rugs; rare ... Full story

Time excess and monetary deductible clause

In respect of each and every occurrence or of damage to property insured, the insurer shall not be liable for the amount obtained by multiplying the average daily value of the loss of interest insured sustained during the indemnity period by the number of days specified in the schedule as the time excess or for the amount of any monetary deductible specified in the schedule, whichever is ... Full story

Brands and labels clause

If branded or labelled property insured by this policy is physically damaged and the insurer elects to salvage that property, the insured may remove or obliterate the brands or labels. If the insured determines to take such action then it must re-label so as to comply with any applicable regulation. Further, if such re-labelling or re-branding reduces the value of the ... Full story

Accounting records clause

In the event of insured physical loss or damage to documentary records created by the insured to record outstanding amounts due from customers, this policy shall refund any shortfall directly caused by such physical loss or damage providing the insured takes all reasonable steps to recover such shortfall and the physical loss or damage does not occur as a ... Full story

Misdescription of property insured clause

In the event of an unintentional misdescription of the location at which property insured is physically situated or the unintentional failure to include any property in which the insured has an insurable interest, this policy shall cover physical loss or damage to such property as if the errors had not occurred providing the value of the property insured does not exceed 10% of the property ... Full story

Removal of debris clause

The insurer shall indemnify the insured up to the limit of indemnity specified in the schedule in respect of the costs and expenses necessarily incurred to remove and dispose of debris which remains as a direct result of physical loss or damage insured by this policy. Full story

Fire-fighting expenses clause

1. The insurer shall indemnify the insured in respect of fire-fighting expenses necessarily and reasonably incurred by the insured to prevent or minimise the extent of any loss or damage to the property insured indemnifiable under this policy, including the cost of materials expended, costs incurred in refilling fireextinguishing appliances and replacing used sprinkler heads, wages of personnel specifically engaged for such tasks and all fire-fighting costs claimed against the insured ... Full story

Expediting and preservation expenses clause

The insurer shall indemnify the insured up to the limit of indemnity specified in the schedule in respect of reasonable and necessary extra costs to pay for: 1. Overtime, night-work, work on public holidays, express freight (except airfreight) incurred to rectify loss of or damage to property insured; 2. The temporary repair of property insured to expedite the permanent repair or replacement of damaged property; 3. The temporary removal of property ... Full story

Capital additions clause

1 The insurer shall indemnify the insured in respect of loss of or damage to real or personal property acquired or becoming held in the care, custody or control of the insured after the inception of this policy and not included in the schedule; 2 Any increase in the new replacement value as a result of such capital additions shall not exceed 5% of the sum(s) insured or any other ... Full story

Theft Exclusion Clause

This Policy does not cover loss or damage caused by Theft, unless involving entry to or exit from a building by forcible and violent means or unless as a result of or in connection with actual or threatened assault or violence or use of force at the location against the insured or any employee of the insured or any other person lawfully on the location (burglary. Full story

Tahukah anda bahwa Munich Re telah menerbitkan polis Industrial All Risks (IAR) baru?

Munich Re telah menerbitkan polis Industrial All Risks (IAR) baru versi 2.3 (Agustus 2017) yang memberikan jaminan dan persyaratan polis yang lebih transparan, terstruktur rapi, jelas, tidak ambigu, dilengkapi dengan definisi dan endorsemen perluasan yang diperlukan. Bagian penting dari polis ini, adalah: Polis menjamin kerusakan fisik dan gangguan usaha (Policy covers physical physical damage and resulting business interruption) ... Full story

Schedule Training Asuransi di Bulan Januari & Februari 2018

Rekan Yth, HAPPY NEW YEAR 2018. SUKSES SELALU.!! Yook Schedule Training Anda dan Karyawan Anda bersama AHLIASURANSI di bulan Januari dan Februari 2018 AHLIASURANSI senantiasa menghadirkan training berkualitas dengan para fasilitators berpengalaman di class of insurance masing-masing. di bulan Januari dan Februari 2018 kami menghadirkan modul training baru, antara lain: Syllabus ... Full story

Training Calendar 2018 (By Class of Business)

Whether you’re interested in developing your own career or you have responsibility for the training needs of others, you’ll find everything you need in this directory to build your training course programme with us.   BASIC GENERAL INSURANCE BAS-01  Basic General Insurance : Prinsip-Prinsip & Praktik Asuransi, Produk-Produk Asuransi dan Proses Underwriting     BAS-02  Asuransi Kebakaran & Gempa Bumi (Fundamental of Fire ... Full story

EPI 63 Storage Tanks

It is agreed that in Section1, Material Damage the following is added to Exclusions to Section1: Insurers will not indemnify the Insured in respect of: (a) loss of or damage to storage tanks caused by storm (including but not limited to tropical cyclone, typhoon, hurricane) where the Insured has not taken adequate temporary safety measures during the erection phase to ensure that the tank withstands a wind ... Full story

EPI 58 Microorganisms

It is agreed that the following is added to General Exclusions: Insurers will not indemnify the Insured in respect of: (a) loss or damage, arising out of, resulting from, caused by, contributed to, or in any way related to the existence, inhalation or exposure to any fungus/fungi and or spore(s); (b) any cost or expenses associated in any way, or arising out of the abatement, mitigation, remediation, containment, ... Full story

EPI 57 Precipitation

It is agreed that in Section 1, Material Damage the following is added to Exclusions to Section 1: Insurers will not indemnify the Insured in respect of any loss or damage totally or partially resulting from precipitation unless according to data available from the meteorological service the quantity of rainfall at the Project Site is higher than the quantity corresponding to the ... Full story

EPI 53 Normal Action of the Sea

It is agreed that in Section 1, Material Damage the following is added to Exclusions to Section 1: Insurers will not indemnify the Insured in respect of any loss or damage totally or partially resulting from adverse sea conditions unless according to the records available the return period of such sea conditions at the Project Site is higher than the return period ... Full story

EPI 52 Cold Testing, Hot Testing and Commissioning

It is agreed that in Section 1, Material Damage the following is added to Conditions to Section 1: For the purpose of this Policy, Cold Testing, Hot Testing and Commissioning shall mean: (a) Cold Testing The checking of component parts of machinery or equipment by mechanical, electrical, hydrostatic or other forms of testing under dry run conditions to ensure that ... Full story

EPI 48 Piling

It is agreed that in Section 1, Material Damage the following is added to Exclusions to Section 1: Insurers will not indemnify the Insured in respect of: (a) any loss or damage arising directly or indirectly to foundation piles and/or casings and/or sheet pile constructions which are: (i) misplaced and/or misaligned; (ii) lost during driving and/or extraction; (iii) ... Full story

EPI 45 Roads

It is agreed that in Section 1, Material Damage the following is added to Conditions to Section 1: In respect of Loss to portions of not completed road caused directly or indirectly by rain, inundation or flood, Insurers liability shall be limited in respect of the aggregate length of the portions of not completed road at any one time as stated below. Should the length of all ... Full story

EPI 44 Pipelines, Conduits and Cables

It is agreed that in Section 1, Material Damage the following is added to Conditions to Section 1: (a) Insurers will not indemnify the Insured for loss or damage directly or indirectly caused by rain, inundation or flood to pipes, conduits and cables laid in trenches where any of the following requirements have not been fulfilled: (i) as soon as practicable, ... Full story

EPI 24 Leak Search Costs

It is agreed that Section 1, Material Damage is extended to indemnify the Insured up to the Sum Insured stated below in respect of costs incurred in searching for leaks of pipelines provided that: (a) all welds have been checked by non destructive testing; and (b) insured Loss is found to have occurred. Sum Insured each and every Loss and ... Full story

EPI 12 Partial Operation

Notwithstanding Condition of Section 1, Material Damage it is agreed that in respect of the portions of Insured Property stated below: (a) such portions shall be in Partial Operation (after Hot Testing and Commissioning, if any, has been completed) as from the Inception Date stated below and until the Termination Date of the Construction Period; and (b) such Partial Operation shall ... Full story

Material Change

If at any time any change shall occur materially varying any of the facts relating to the Project, the Contract, this Policy or the degree of risk assumed hereunder, the Insured shall immediately give notice in writing of such Material Change in risk to the Insurers, supplying, as soon as possible thereafter, any further particulars as the Insurers may reasonably require. In ... Full story

Suspension or Cessation of Work

In the event of any partial or total unscheduled suspension or cessation of work, the Insured shall give immediate notice in writing to Insurers if such a suspension or cessation is anticipated to exceed 30 calendar days. Any such suspension or cessation shall be considered as a Material Change as per General Condition Full story

Willful Acts and Gross Negligence

This Policy does not cover any loss, damage or liability directly or indirectly caused by or arising from or aggravated by any wilful act or omission or gross negligence of the Insured or their management, including but not limited to the Project manager and the Project Site manager. Full story

Time Deductible

The monetary amount corresponding to the Time Deductible shall be calculated by multiplying the average daily value of loss sustained during the Period of Indemnity by the number of days agreed upon as the Time Deductible and shall be deducted from the amount payable. Full story

Error in Design and Manufacture

In the event of a claim being brought by any Insured in respect of Loss resulting from neglect, error or omission in the design or manufacture of component products by any supplier, the Insurers will indemnify the Insured. However, the Insurers retain all rights of subrogation against the supplier in respect of such Loss. For the purpose of this clause, the term component products shall mean ... Full story

Breach of Professional Duty

In the event of a claim being brought by any Insured in respect of Loss resulting from any breach of professional duty by professional consultants, the Insurers will indemnify the Insured, However, the Insurers retain all rights of subrogation against the professional consultants in respect of such Loss. Full story

Expediting Expenses

This Policy will indemnify the Insured, in respect of the difference in costs between those calculated at normal or standard rates of reimbursement, and those actually incurred including costs for overtime, work on public holidays and weekends, shift working and express freight provided that such costs: (a) are necessarily and reasonably incurred by the Insured for the purpose of preventing or minimising ... Full story

72 Hours Clause

Any Loss arising during any one period of 72 hours caused by storm, tempest, flood, water or cyclone shall be deemed to be one Loss. The Insured shall select the time from which any such period shall commence but no two selected periods shall overlap. Full story

Escalation

If during the Construction Period the actual value of the Insured Property shall exceed the Total Sum Insured as specified in the Schedule, the Total Sum Insured shall be increased automatically so that it is equal to such actual value, subject, however, to the increase not exceeding in any case the automatic escalation percentage indicated in the Schedule. Where it is apparent, or ... Full story

Plans and Documents

In the event of insured Loss to plans, drawings, files, documents, manuscripts, or computer system records forming part of the Insured Property, this Section shall indemnify the Insured in respect of the cost of labour and computer time expended in reproducing such plans, drawings, files, documents, manuscripts, or computer system records, including any expenses incurred in producing the information contained thereon, provided that:... Full story

50/50 Sharing Clause

In the event of loss or damage being discovered after the cover provided for any item of Insured Property under any marine or transit policy of insurance has terminated and if after proper investigation it is not possible to ascertain whether such loss or damage happened prior to termination of such policy, Insurers shall indemnify the Insured in respect of insured Loss, provided ... Full story

Off-site Storage

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of insured Loss, while Insured Property is in temporary storage off the Project Site, except while at any manufacturers or suppliers premises prior to delivery to the Project Site, provided that: (a) said Insured Property is owned, or is in the custody, care or control of the Insured; and (b) the ... Full story

Inland Transits

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of insured Loss, while Insured Property is being transported on any vehicle (including loading and unloading) to the Project Site or to temporary off-site facilities, provided that: (a) said Insured Property is owned, or is in the custody, care or control of the Insured; and (b) the transits insurance hereunder shall ... Full story

Professional Fees

This Policy will indemnify the Insured, up to the Sum specified in the Schedule, in respect of architects, surveyors, consulting engineers and other professional fees, necessarily and reasonably incurred in the repair, reconstruction or replacement consequent to insured Loss, provided that: (a) fees for preparing any claim under this Policy are excluded hereby; and (b) the amount payable under the terms of this Policy shall not exceed ... Full story

Premium Payment Warranty

The Insured warrant that the Premium stated below and any Premium as may be agreed by Endorsement will be paid and received by Insurers on or before midnight of the respective Due Date. If this warranty is not complied with, this Policy shall be terminated at such Due Date. Premium Payment                                ... Full story

CPM – Contractors Plant and Machinery Insurance

The CPM policy offers insurance protection for plant and machinery of every kind. It is an annual all risks policy independent of any specific site and covers loss or damage caused by sudden and unforeseen events provided that the cause of loss or damage is not expressly excluded. Insurance coverage includes machinery at work, at rest or during maintenance. MRe Contractor’s Plant and Machinery Insurance... Full story
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