Civil Engineering Completed Risks (CECR) Insurance Policy

Apa yang dijamin dalam Polis CECR?

Asuransi Civil Engineering Completed Risk atau asuransi atas Pekerjaan-pekerjaan Tehnik Sipil yang sudah selesai dibangun (baca: Polis CECR) ini dirancang untuk memberikan jaminan atas struktur-struktur pekerjaan Tehnik Sipil setelah selesai dibangun dari risiko-risiko sbb:

  1. Kebakaran, Sambaran petir, Peledakan, Tertabrak kendaraan atau kapal
  2. Kejatuhan pesawat terbang dan/atau benturan dari peralatan-peralatan yang jatuh dari pesawat terbang.
  3. Gempa bumi, Letusan Gunung berapi, Tsunami,
  4. Angin topan, Badai
  5. Banjir atau luapan air, gelombang air laut.
  6. Longsor, pergerakan tanah, runtuhnya karang dan pergerakan bumi lainnya.
  7. Beku, atau rusak akibat salju, es, longsoran salju
  8. Akibat perbuatan jahat orang lain.

CECR Policy covers any unforeseen and sudden physical loss or damage caused by

a- fire, lightning, explosion, impact of landborne or waterborne vehicles,

b- impact of aircraft and other aerial devices or articles dropped therefrom,

c- earthquake, volcanism, tsunami,

d- storm (air movements stronger than grade 8 on the Beaufort Scale),

e- flood or inundation, wave action or water,

f- subsidence, landslide, rockslide or any other earth movement,

g- frost, avalanche, ice,

h- vandalism of single persons,

Objek pertanggungan apa saja yang bisa dijamin dalam CECR?

Objek pertanggungan dapat berupa hasil pekerjaan Tehnik Sipil berupa Jembatan-jembatan, Bendungan, Dermaga, Pelabuhan, Harbour, Jetty, Dry docks, Jalan, Jalan Tol, Tunel, Bridges, Saluran irigasi, Pipelines, Overhead lines (Transmission & distribution lines) dan struktur-struktur atau perlengkapan atau mesin-mesin yang melekat lainya.

Pengecualian

Polis ini adalah “named perils” dengan pengecualian utama adalah: risiko politik; reaksi nuklir, radiasi nuklir atau kontaminasi radioaktif; kesengajaan atau kelalaian yang disengaja; keausan, cacat yang melekat; kurangnya pemeliharaan; kekacauan mekanik atau listrik (mb) dan kehilangan keuntungan (consequential loss).

The main exclusions are: political risks; nuclear reactions, nuclear radiation or radioactive contamination; wilful act or wilful negligence; wear and tear, inherent defects; lack of maintenance; mechanical and electrical breakdown and consequential loss.

Perluasan Jaminan

Perluasan jaminan yang dapat diberikan antara lain:

  1. Debris removal
  2. Expediting costs
  3. Machinery breakdown
  4. Strike, riot and civil commotion
  5. Terrorism and sabotage
  6. Burglary or theft
  7. Consequential loss (separate BI section)

Loss of Profits following Loss or Damage Covered under Civil Engineering Completed Risks Insurance (CECR)

Kehilangan keuntungan (Consequential loss) akibat risiko-risiko yang dijamin dalam polis CECR dapat dijamin dalam Endorsement 1000 Cover for Loss of Profits following Loss or Damage Covered underCivil Engineering Completed Risks Insurance (CECR)

Apakah CECR dapat juga dijamin dalam Polis Property All Risks (PAR)?

Melihat jenis objek yang dipertanggungkan yaitu pekerjaan sipil yang sudah selesai dibangun, dan risiko-risiko yang dijamin dalam polis CECR adalah sama dengan PAR beberapa perusahaan asuransi yang beroperasi secara internasional termasuk di antaranya adalah QBE menggolongkan CECR ke dalam klas Property (bukan ke dalam klas Engineering), CECR boleh diganti dengan PAR dengan jaminan yang tentu saja ‘All risks’

Apakah CECR subject to OJK Tariff?

CECR is not subject to OJK Tariff jadi ratenya boleh ditetapkan secara bebas oleh underwriters, namun jika polis CECR diganti dengan polis PAR maka PAR is subject to OJK Tariff. Secara teori pula rate PAR lebih tinggi dari CECR karena jaminannya ‘All risks’ v ‘Named perils’.

Underwriting considerations
Hal-hal yang perlu diperhatikan dalam meng-underwrite CECR antara lain:

– Type of risk and condition.

– Geographical and topographical location.

– Exposures to natural hazards.

– Special construction methods and experience during the construction period.

– Special exposure to fire, explosion, blasting work or other hazards.

– Inspection reports indicating design parameters in respect of natural hazards and use of the risk.

– All previous damage and repair details.

– Maintenance schedule.

– Has the originally intended purpose and use of the object changed in any way?

– Presence and qualifications of operating personnel

Polis CECR silakan download

Civil Engineering Completed Risks Insurance Policy

Endorsement 1000 Cover for Loss of Profits following Loss or Damage Covered under Civil Engineering Completed Risks Insurance (CECR)

 

Terima kasih

Any inquiry, please call me at +628128079130 email : imusjab@gmail.com or imam.musjab@qbe.co.id

By Imam MUSJAB

 

About the Author

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