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If any interest insured under this Policy constitutes property which has a measurable output and which is capable of replacement with a new item or items which perform a similar function then such property shall be valued for insurance purposes as follows, and values for the settlement of any damage in respect thereof shall be on the same basis:... Full story

Subject to the liability of the Insurer not being increased beyond the Limits of Liability stated herein, Section A of this Policy extends to include the Insured’s statutory liability to pay fire brigade attendance charges where the amount of any damage (not otherwise excluded by this Policy) falls within the amount of any applicable Deductible. The amount payable ... Full story

For the purpose of ascertaining the classification under which any property is insured the Insurer agrees to accept the designation applied to such property by the Insured in their records. Full story

The Insurer agrees to pay to the Insured the costs of destruction, demolition and restoration of sound property where such destruction or demolition is necessary for reinstatement or repair consequent upon destruction or damage to the Property Insured. Where the Insurer and Insured cannot agree upon the necessity for such reinstatement or repair, an independent qualified engineer will ... Full story

The Policy extends to include property in Australia (to the extent that such property is not otherwise insured) belonging to Companies and/or other entities purchased or otherwise acquired and/or over which the Insured acquires direct or indirect managerial control and/or responsibility to arrange insurance during the currency of this Policy. Provided always that the business of the new acquisition shall be similar to ... Full story

(a) In the event of the absolute refusal by the competent local or Government authority to allow the reconstruction of the premises following destruction or damage the Insurer shall pay by way of indemnity the difference between the Land Value before and after the destruction or damage; or (b) In the event of the competent local or Government authority allowing partial reconstruction ... Full story

In the event of the buildings being damaged so as to constitute total loss or constructive total loss and, (as a result of the exercise of statutory powers and/or authority by any Government Department, Local Government or any other Statutory Authority), reinstatement of the building as before is prohibited and reinstatement is only permissible subject to a reduced Floor Space Ratio Index.... Full story

ADDITIONAL EXTRA COST OF REINSTATEMENT (APPLICABLE TO BUILDINGS, MACHINERY, PLANT AND CONTENTS; OTHER THAN STOCKS) This Policy extends to cover the additional extra cost of reinstatement (including the demolition or dismantling of any part of damaged Property Insured, necessarily incurred by the Insured, to comply with the requirements of any Act of Parliament or Regulation made thereunder or any By-Law or Regulation of ... Full story

EXTRA COST OF REINSTATEMENT (APPLICABLE TO BUILDINGS, MACHINERY, PLANT AND CONTENTS; OTHER THAN STOCKS) This Policy extends to include the extra cost of reinstatement (including demolition or dismantling) of damaged property necessarily incurred to comply with the requirements of any Act of Parliament or Regulation made thereunder or any By-Law or Regulation of any Municipal or other Statutory ... Full story

In the assessment of any claim for branded goods and/or merchandise covered by this Policy, it is hereby expressly declared and agreed that: Goods damaged or suspected of being damaged by any cause or event not herein excluded (hereinafter referred to as salvaged goods) shall not be disposed of by sale or otherwise without the written consent of ... Full story

This Policy extends to indemnify any other party having an interest in the Property Insured by virtue of and in accordance with the terms of any mortgage, lease, hiring or rental agreement or any other form of financial or equity agreement and it is understood and agreed that the receipt(s) of any such parties for any claims settlements under this Policy ... Full story

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There shall be no cover under this policy in respect of any liabilities, costs or expenses which arise by reason of the use of the Insured Vessel(s) for the carriage of nickel. Warranti / persyaratan tidak mengangkut nikel Tidak ada jaminan berdasarkan polis ini sehubungan dengan tanggung jawab hukum, biaya atau beban yang timbul akibat penggunaan Kapal yang Dipertanggungkan untuk pengangkutan nikel. Full story

There shall be no cover under this policy in respect of any liabilities, costs or expenses which arise by reason of the use of the Insured Vessel(s) for the carriage of logs. Warranti / persyaratan tidak mengangkut kayu gelondongan (logs) Tidak ada jaminan berdasarkan polis ini sehubungan dengan tanggung jawab hukum, biaya atau beban yang timbul akibat penggunaan Kapal yang Dipertanggungkan untuk pengangkutan kayu gelondongan. Full story

Warranted vessels(s) BKI classed and class maintained. There shall be no cover under this policy in respect of any liabilities, costs or expenses which arise by reason of the use of the Insured Vessel(s) that is not BKI classed and class maintained. Warranti / persyaratan kapal harus klas BKI dan klas maintain Warranti / persyaratan kapal harus klas BKI dan klas maintain. Tidak ada jaminan ... Full story

Warranted trading within Indonesian waters. There shall be no cover under this policy in respect of any liabilities, costs or expenses which arise by reason of the use of the Insured Vessel(s) trading outside Indonesian waters. Warranti / persyaratan penggunaan kapal di wilayah perairan Indonesia Warranti / persyaratan penggunaan kapal di wilayah perairan Indonesia saja. Tidak ada jaminan berdasarkan polis ini sehubungan dengan tanggung jawab ... Full story

Liability Exclusions Offshore Risks This Policy does not cover Personal Injury or Property Damage or Advertising Liability or any other loss, cost or expense arising directly or indirectly from or caused by, contributed to by or arising from Work performed on offshore gas and oil platforms Absolute Asbestos and Silica This Policy does not cover Any actual or alleged liability whatsoever for any claim or claims in respect of ... Full story

Surat Edaran Otoritas Jasa Keuangan Nomor 27/SEOJK.05/2017 13 JUNI 2017 ​SAL LAMPIRAN SEOJK 27 - CADANGAN TEKNIS PA PR.PDF ​SAL 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

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

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

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

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

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

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

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

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 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

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

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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) 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 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 (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 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

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

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

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 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 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

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

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

ANZIIF COMPETENCY ASSESSMENT OF EXPERIENCE (CAE) IN GENERAL INSURANCE (Associate CIP Level) 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. Persyaratan mudah Berlaku untuk siapa saja, para profesional yang telah memiliki pengalaman lebih ... Full story

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

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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

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

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 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 (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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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