KASUS KEBAKARAN BESA DI GEDUNG GLODOK PLAZA, JAKARTA.

 

KASUS KEBAKARAN BESA DI GEDUNG GLODOK  PLAZA, JAKARTA.

Pada 15 January 2025 yang lalu, kita semua dikejutkan dengan adanya berita Kebakaran besar di Gedung Glodok Plaza, Jakarta, yang terjadi malam hari. Dan semenjak iru kepolisian serta petugas pemadam kebakaran bekerja keras melakukan Tindakan emergency untuk memadamkan api serta mengevaluasi para korban.

 

Kejadian kebakaran ini cukup menyita perhatian, mengingat kebakaran yamh terjadi cukup besar, dan akhirnya ditemukan korban tewas kalua tidak salahh sebanyak 16 Kantong Jenazah.

 

Diduga titik awal kebakaran berasal dari lantai 7 dan 8 Gedung, yaitu Lokasi Hiburan Diskotek dan Karaoke, dan Akhirnya setelah melakukan investigasi ditemkan penyebab kebakaran adalah dari Gasful, Perangkat Peredam Suara  semacam busa yang didalamnya berisi gas, dimana peredam suara ini ditempatkan di area Karaoke dan diskotek. Ketika Gasful terkena panas dan angin langsung menyala dan gas yang berada dalam  busa peredam itu lah yang menjadi perambat api menjadi cepat dan membesar. [ https://www.liputan6.com/news/read/5883497/penyebab-kebakaran-gedung-glodok-plaza-akhirnya-terungkap?page=2 ]

Beberapa pertanyaan yang muncul adalah :

1.      Bagaimana dengan Polis Asuransi Kebakaran Indonesia merespon hal ini ?

2.      Dokumen apa saja yang diperlukan dalam klaim Polis asuransi kebakaran ?

3.      Tapi yang terpenting adalah, Apakah Manajemen Gedung Glodok Plaza Memiliki Polis Asuransi Kebakaran ?

4.      Apa saja asset yang dijamin dalam  Polis ?

5.      Bagaimana Aset yang dimiliki oleh Penyewa Gedung ?

6.      Apakah Manajemen Gedung berpotensi menerima tuntutan dari pihak lain atas kebakaran ini?

7.      Bagaimana dengan para korban yang meninggal atau cidera pada Kasus Kebakaran ini? Apakah diganti Polis asuransi  kebakaran? Atau ada polis lain yang harus dimiliki oleh Manajemen Gedung ?

Mari kita diskusi kan.

1.      Bagaimana dengan Polis Asuransi Kebakaran Indonesia merespon hal ini ?

a.      Didalam PSAKI ( Polis Standar #asuransikebakaran Indonnesia) disebutkan sbb :

Bab I – Risiko yang Dijamin 1.      KEBAKARAN 1.1.   yang disebabkan oleh kekurang  hati-hatian atau kesalahan Tertanggung atau pihak lain, ataupun karena sebab kebakaran lain sepanjang tidak dikecualikan dalam Polis, 1.2.   yang diakibatkan oleh : 1.2.1.     menjalarnya api atau panas yang timbul sendiri atau karena sifat barang itu sendiri;  1.2.2.     hubungan  arus pendek; 1.2.3.     kebakaran  yang terjadi karena kebakaran benda lain di sekitarnya dengan ketentuan kebakaran benda lain tersebut bukan akibat dari risiko yang dikecualikan Polis; termasuk juga kerugian atau kerusakan sebagai akibat dari air dan atau alat-alat lain yang dipergunakan  untuk menahan atau memadamkan kebakaran dan atau dimusnahkannya seluruh atau sebagian harta benda dan atau kepentingan yang dipertanggungkan atas perintah yang berwenang dalam upaya pencegahan menjalarnya kebakaran.

b.      Sehingga jawaban atas pertanyaan No 1. Ada diatas – Dijamin.

c.      Klaim atas kerusakan property ini bisa diajukan ke Polis Asuransi Kebakaran.

 

2.      Dokumen apa saja yang diperlukan dalam klaim Polis asuransi kebakaran ?

a.      Biasanya dokumen yang diperlukan untuk mengajukan klaim Polis #asuransikebakaran adalah :

1            Laporan Klaim secara tertulis (email/fax) 2            Formulir klaim yang diisi lengkap 3            Foto-foto kerusakan 4            Berita Acara Kejadian 5            Laporan Kepolisian setempat 6            Copy Analisa Puslabfor/Labkrim 7            Laporan Kronologis Kejadian 8            Daftar Barang-barang yang rusak berikut                      type/jenis/spesifikasi  barang lengkap dengan harganya 9            Daftar Nilai Aset di lokasi pertanggungan sesaat sebelum                kejadian (Total klaim > 5% of TSI) 10         Analisa Teknis Vendor Ahli Independen 11         Penawaran atau invoice dari Vendor untuk memperbaiki atau               mengganti barang yang rusak 12         Invoice Pembelian Sebelumnya atau Invoice Barang                pengganti yang baru 13         Log Book atas mesin2 yang diklaim 14         Kartu Pemeliharaan / Maintenance Record 15         Kwitansi Pembersihan Puing-Puing 16         Kwitansi Armada Pemadam Kebakaran 17         Kwitansi Pengisian Ulang Alat Pemadam Api 18         Kartu Stock & Mutasi Stock Barang 3 bulan terakhir sebelum                Kejadian – Jika terkait dengan klaim Stock 19         Tindakan Pencegahan untuk mengantisipasi kejadian serupa                terulang kembali 20         Surat Pernyataan Bahwa barang/kendaraan pihak ke-3 tidak                diasuransikan di tempat lain 21          Surat Persetujuan Pembayaran klaim atas nilai yang                diajukan 28         Discharge Form 29         Subrogation Letter 30         Salvage - Barang Sisa

b.      Semua dokumen dilengkapi, setelah itu Asuransi akan melakukan review, dan paling cepat 2 minggu sampai dengan 3 bulan, lalu pihak asuransi akan menerbitkan SPGR (Surat Penawaran Ganto Rugi) untuk disethyu atau tidak, jika disetujui, maka kelengkapan dokumen dipeni oleh tertanggung, setelah dokumen akhir diterima, pembayaran Klaim maksimal 30 Hari sejak Dokumen kelengkapan akhir diterima penaggung.

 

3.      Tapi yang terpenting adalah, Apakah Manajemen Gedung Glodok Plaza Memiliki Polis Asuransi Kebakaran ?

a.      Nah ini yang perlu di periksa dan Obyek apa saja yang dipertanggungkan, harus dilihat dalam isi polisnya

 

4.      Apa saja asset yang dijamin dalam  Polis ?

a.      Umumnya jika Gedung dibawah pengelolaan Manajemen, biasanya hanya Bangunan dan mesin saja, tidak termasuk isi bangunan, kecuali isi barang kantor pada ruang kantor Manajemen.

b.      Sehingga obyek asset milik penyewa/tenant tidak termasuk dalam polis yang dikelola leh pihak Manajemen.

 

5.      Bagaimana Aset yang dimiliki oleh Penyewa Gedung ?

a.      Pihak penyewa/tenant harus memiliki Polis asuransi Kebaaran sendiri atau Polis Property All Risks dengan Obyek pertanggungan adalah asset yang dimilii yang berada dalam Lokasi Gedung tersebut. Tidak termasuk Bangunan.

 

6.      Apakah Manajemen Gedung berpotensi menerima tuntutan dari pihak lain atas kebakaran ini?

a.      Ya, jika ada kerusakan property milik orang/pihak lain yang mengalami kerusakan karena musibah ini, atau cidera Badan atau meninggal.

 

7.      Bagaimana dengan para korban yang meninggal atau cidera pada Kasus Kebakaran ini? Apakah diganti Polis asuransi  kebakaran? Atau ada polis lain yang harus dimiliki oleh Manajemen Gedung ?           

a.      Jika Korban memiliki Polis asuransi Jiwa / Kecelakaan bisa diajukan, atau mengajukan tuntutan santunan kepada pengelola Gedung, atau santunan dari Kantor tempatnya bekerja.

b.      Tidak diganti dalam polis asuransi Kebakaran.

c.      Manajemen Building bisa melengkapi Polis Asuransi CGL (=Comprehensive General Liability Insurance.)

 

Demikian uraian penjelasan yang bisa diberikan semoga bermanfaat.

#asuransikebakaran

#kebakaranGlodokPlaza

#klaimasuransikebakaran

CARA MENENTUKAN NILAI PERTANGGUNGAN UNTUK ASURANSI

 

CARA MENENTUKAN NILAI PERTANGGUNGAN UNTUK ASURANSI

 

1.       Dalam industri Asuransi, untuk jenis apapun, Nilai pertanggungan  atas aset yang diasuransikan tidak pernah ditentukan oleh pihak Penanggung. Akan tetapi ditentukan oleh Tertanggung sendiri.

 

2.       Untuk Semua Jenis Asuransi, Pihak tertanggung, biasanya akan menentukan Nilai pertanggungan berdasarkan Estimasi, dimana estimasi ini diperhitungkan untuk bisa se-akurat mungkin untuk nilai pembayaran yang akan diterima saat terjadi klaim.

 

3.       Dalam hal terjadi Klaim Asuransi, ada 2 type jenis Polis Asuransi kerugian, yaitu :

a.       Indemnity Basis

“Indemnity basis means that the insurance will only pay for the second hand value of the item i.e. what you might get if you sold it. This is its market value, not the written down value.”

b.       Reinstatement Basis

“Reinstatement cover means that the insurers will pay the cost of replacement with a new one which is equal to but not better than the item lost or damaged. This is usually the basis of cover under the Event Assured "all risks" cover, provided the sum insured represent the full replacement cost.”

c.       Catatan: Artinya Indemnity Basis akan memperhitungkan Depreciation Cost. Sementara Reinstatement akan memberikan nilai penggantian Sesuai dengan Biaya Full Perbaikan atau penggantian untuk memulihkan kembali aset tertanggung.

 

4.       Selain dari jenis polis yang diuraikan dalam butir 3, perlu juga diketahui tentang efek Penentuan Nilai pertanggungan terhadap nilai penggantian klaim asuransi yaitu adanya pengenaan Average Condition – jika Nilai pertanggungan dianggap Under Insurance.

 

Under Insurance adalah :

as the occurrence when there is a shortfall between the amount of cover selected and the actual replacement value of what is being insured. The result is that you will only be paid a proportional part of your claim. In the event of a claim the principle of ‘average’ would then be applied.   What is the principle of “average”?   Average is an insurance principle which has frustrated many insured clients – yet it is a simple and easy one to understand. If an item or property is underinsured, the insured must bear a rateable proportion of each and every loss. Technically, you become your own insurer for the balance of the loss.   The formula determining average is as follows:  (Sum Insured / Value at Risk) x Amount of Loss   This can be best explained by way of a few examples: A machine is insured for R10 000. The actual replacement value of the item is R20 000. If the machine was damaged by fire resulting in repairs to the value of R5 000 in repairs, the claims settlement would be calculated as follows: (R10 000 / R20 000) x R5 000 Amount payable : R2 500

 

5.       Terkait dengan penjelasan diatas dan dengan pertimbangan Bahwa tujuan Tertanggung dalam menutup Asuransi harus bisa memulihkan kembali saat setelah terjadi kerugian, maka penting bagi tertanggung untuk memperhitungkan Estimasi Nilai pertanggungan yang cukup Akurat yang dimaksudkan untuk mendapatkan nilai penggantian klaim yang bisa merefleksikan Nilai untuk memulihkan kembali Aset yang rusak/hilang.

 

6.       Dalam beberapa Alternatif perhitungan Nilai Pertanggungan, yang terbaik adalah menggunakan cara Menghitung Estimasi Nilai aset yang diasuransikan berdasarkan Harga Pasar – Untuk membeli kembali. 

 

Biasanya dimungkinkan untuk menggunakan Outsource Appraisal, atau staff perusahaan yang bisa meneliti Nilai pertanggungan sesuai harga Pasar (untuk membeli kembali) pada tahun asuransi akan diaktifkan itu berapa nilainya.

 

“Harga Pasar” itu sendiri, bisa di asumsikan dalam beragam kalkulasi, misalnya :

-          Harga Pasar untuk Appraisal Load Bank – ini tidak bisa digunakan utk Nilai Pertanggungan Asuransi

-          Harga Pasar untuk Appraisal saat Aset akan dijual – ini juga tidak bisa digunakan untuk Nilai Pertanggungan Asurnasi

-          Harga Pasar untuk kita membeli kembali / membangun kembali unit  Aset yang sama dan spesifikasi yang sama , adalah Nilai Appraisal yang terbaik untuk menghitung Nilai pertaggungan.

 

7.        Pada umumnya, tertanggung dalam menentukan nilai pertanggungan akan memiliki kebijakan Manajemen sendiri, dengan beragam alternatif misalnya :

a.       Ada yang berdasarkan nilai Kontrak dengan Lessor.

b.       Ada yang berdasarkan nilai Buku (Book Value) tapi ini akan terkait dengan Depresiasi

c.       Ada yang berdasarkan Nilai Market Value (Nilai pasar untuk membeli kembali).

 

8.       Dalam Hal Asuransi Aviasi / Pesawat, Nilai Pertanggungan Polis Asuransi Aviasi ditetapkan secara “Agreed-Value” basis.

What is Agreed Value Basis ? General insurance property insurance policies are designed to provide the policyholder with an indemnity in the event of a claim and the level of this indemnity sometimes defined by an agreed value policy but what is an agreed value insurance policy and when is it used?   The purpose of indemnity is to place the policyholder in the same financial position following a loss or claim as they enjoyed immediately prior to the loss and the way in which the loss of value is calculated will be defined in the policy but the most common forms are a strict indemnity basis, your receive the sum equivalent to what you paid for the property that is lost or destroyed or more commonly on a reinstatement basis where you receive the cost of replacement as new. In both cases this is subject to the total sums insured under the policy adequately representing the full value at risk.   In certain cases it is more difficult to correctly assess the replacement value of property and the price paid for property may not adequately represent the property’s true value. In these cases an agreed value policy may provide the solution to a suitable way of providing indemnity under a policy.   Under an agreed value policy, both parties agree to an amount that will be paid out by the insurer in respect of a claim resulting in  total loss of the property and this is the agreed value that will be paid out in the event of a claim irrespective of market fluctuations in the actual value of that property.   In the event of a claim for partial loss the insurer may elect to repair the property but if that is not possible then the insurer will pay out an amount equivalent to the the current loss in market value of the property as a result of the loss. In certain circumstances, a combination of these may apply where the insurer may elect to undertake repairs but also meet the cost of any reduction in market value.   What types of insurance are suitable for an agreed value basis of settlement?   Insurance in respect of high value and or property of a specialist nature, such as jewellery, works of art and classic cars are well suited to an agreed value insurance policy and many specialist policies are available in the market designed to meet these specific requirements.   More generally marine insurance policies are normally underwritten on an agreed value basis under which both parties, the insurer and the insured, agree to the amount payable in respect of a claim involving total loss even though the market value of the property may rise or fall during the period of transit. And Others,  as well as applied in Aviation Insurance.   How is an agreed value different from a sum insured under a standard insurance policy?   As stated the agreed value is the amount payable by the insurer in respect of a total loss under the policy, the sum insured under alternative basis of settlement represents the insurer’s maximum liability in respect of claims for a total loss.   In simple terms, if the total value of the property lost is lower than the total sum insured under the policy then it is the lower value upon which the insurer will base the settlement of the claim.

 

Berdasarkan hal tersebut diatas, terkait dengan Polis Asuransi Pesawat, yang terbaik adalah :

a.        menetapkan Nilai pertanggungan dalam basis Agreed Value, dimana Nilai yang disepakati sebagai Agreed Value, merefleksikan nilai pertanggungan sesuai Harga Pasar untuk memulihkan kembali kondisi keuangan tertanggung yang sama sesaat setelah kejadian

b.       Untuk Long term Period, Tertanggung juga wajib melakukan “Review” ulang Nilai pertanggungan berdasarkan Harga Pasar untuk membeli kembali unit aset pada tahun yang bersangkutan (Polis akan diaktifkan)

Dalam kaitan Jenis Polis Asuransi Lainnya (Non Aviasi), ketentuan mengenai perlunya Nilai pertanggungan diperhitungkan sebagai Nilai Market Value tetap melekat, karena adanya pertimbangan Kondisi “Under Insurance”, “Average  Condition:, Reinstatement dan Indemnity yang sudah diuraikan pada butir-butir awal tersebutkan diatas.

KLAIM KALENG CAT RUSAK KARENA BANJIR

 Sebuah pabrik cat mengalami kebanjiran sehingga banyak kaleng cat yang rusak karena proses evaluasi yang tergesa gesa.

Klaim diajukan ke perusahaan asuransi dengan perhotungan untuk biaya penggantiannkaleng yang rusak dan sekian persen dari isi catbper kaleng atas kerugian atas perpindahan cat ke kalemg baru plis biaya pemindahannya.

Pertanyaannya adalah, jika tertanggung memiliki polis #propertyallrisks yang diperluas dengan #tempestwindstormfloodwaterdamage apalah klaim oni bisa diganti?

Berapa kira kira bagian yg diperkenankannoleh penanggung?

Bagaimana cara perhitungan SALVAGE pada klaim ini?

 Sebuah pabrik cat yang memiliki gudang di beberapa lokasi, salah satu gudanya mengalami kebanjiran.

Pada saat setelah kebanjiran klaim sudah di survey oleh #losaadjuster dengan berita acara bersama kerusakan cat sebanyak 8000kaleng, dimana harga perkaleng 50.000  sejingga total kerigian 8000 x 50.000 = 400.000.000.

Klaim difinalisasi sebesar jumlah tersebut dipotong resiko sendiri 10% dr klaim. Dan barang yg rusak (salvage) akan ditarik oleh penanggung.

Jumlah sudah disetujui kemudian salvage di lelang dengan pemenang tender seharga 80Juta untuk 8000kaleng dan salvage buyer akan mengambil sendiri ke gudang tertanggung.

Namun saat salvage buyer akan menjemput barang tersebut, termyata tidak ada 8000 kaleng. Melainkan hilang sebanyak 2000 kaleng.

Sehingga penanggung melakukan revisi penggantian menjadi 8000 kaleng dikurangi dengan jumlah kaleng yang hilang 2000. 

Sehingga nilai klaim dibayar ditawarkan sebanyak 6000 kaleng x 50.000 menjadi 300.000.000 aja.

Pertanyaannya,

1. Apakah nilai 300 juta memang layak diterima tertanggung?

2. Jika layak atau tidak layak, kenapa alasannya?

3. Berapa seharusnya nilai sepadan diterima oleh tertanggung ?

Pertanyaan terakhir,

4. Apa ada teman teman yang duduk bersama aku untuk klaim ini? Hehe

KLAIN KARPET KANTOR TENANT KARENA GENANGAN AIR DI OFFICE BUILDING

Suatu hari sebuah gedung perkantoran di daerah jalan jendral Sudirman melalui Building Managementnya mengajukan klaim salah satu tenant yang menyewa satu lantainya mengalami kebasahan di lantai yang dia sewa. 

Air menggenangi lantai tersebut dari pipa air yang bocor yang mengalir cukup deras di hari minggu saat hari libur dan tidak ada yang mengetahui krn tidak ada orang yang masuk kerja.

Banyak barang yang rusak terutama karpet kantor. Meja kayu dan lainnya. Akhirnya klaim diproses.

Diketahui Building Management memiliki polis property all risks dengan perluasan TSFWDWL (tempest, Storm, Floor, Water Damage, Subsidence and Landslide)

Kira kira bagaimana proses klaimnya? Karena yang rusak adalah milik property tenant artinya pihak lain selain dr teetanggung (building management) nya. 

Dan teetanggung tidak punya polis CGL  

Kira kira bagaimana ?

Jika aku bilang akhirnya klaimbya diganti, kira kira apa dasarnya ?

✌️.

SAMPLE WORDING UNTUK PLAZA

 

SAMPLE WORDING UNTUK PLAZA

 

On building (including foundation) and all real and personal property of any kind nature or description in and/or about the premises known as PLAZA …………. located at         Jl. Perintis ……………………….. including materials on the ground and all structural appurtenances fixtures-fittings attached and belonging thereto and external walls gates fences car-parks driveways and pavements gangways alleys annexes underground supplies machinery and plant (including its supporting and protective structures) lift generators chillers boilers moveable-equipment furniture fixtures-fittings and utensils of trade of every description all kitchen canteen including other facilities interior decoration and improvements business books including cost of rewriting business records computer records and software office inventory and furniture office equipment guests and tenants’ effects for which the Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on commission whilst in and/or about the Insured premises. (Cover shall be deemed to include the property of the guests and tenants’ for which the Insured has assumed or wishes to have assumed liability with limit USD……………… any one accident)

SAMPLE WORDING INTEREST INSURED – ON MACHINERY

 

SAMPLE WORDING INTEREST INSURED – ON MACHINERY

 

On machinery plant including its supporting and protective structures and all other mechanical tools electrical and electronic and computerized equipment including air-conditioning system, lift, moveable-equipment, non-licensed vehicle, piping, design, moulds, pattern, supporting and protective structure but not limited to lighting system, fire-fighting equipment, compressor, washing and cleaning machine, generator, chiller-boiler, storage-tanks, conveyer-belt, moveable-equipment and all other accessories attached thereto stand-by machinery and spare-parts which all contained within the premises owned by the Insured and/or rented and/or held in trust or on commission and for which the Insured is responsible whilst in and/or about the Insured premises.

 

 

            Catatan :

q  Perlu dilakukan penyesuaian ulang, dengan melihat Okupasi dari tertanggung, seperti misalnya industry Bakery, dengan mempertimbangkan mesin-mesin yang digunakan lebih spesifik.

 

SAMPLE WORDING UNTUK SPA & CAFÉ - INVENTORY & DECORATIONS

 

1.       OFFICE INVENTORY

On all office inventory office machinery and equipment, office furniture, stationery, equipments including computers, laptop, printers, internet installation including its supporting materials and installation structures, documents and stamps, money and money negotiable, fixtures-fittings tools including but not limited to Televisions, Audio/Video/Sound Systems, AC, CCTV, PABX and Telephone set, mobile-phone, Computers & Laptop including its installation network and its supporting structures & spare-parts, fax and copy machine,  and utensils of every type and description business book including cost of rewriting business records computers records and software guests effects for which the Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on their custody or on commission or on consignment whilst in and/or about the Insured premises.

 

SUM INSURED                                                                         IDR._____________

 

2.       OTHER CONTENTS AND DECORATIONS

On all spa decorations, ornaments and accessories and spa equipment and spa inventory, machinery and any other equipment related to the business, works of arts i.e. paintings, statue, antiques, brine brackish water aquarium, furniture fixtures-fittings tools and all other contents of every type and description not otherwise insured the property of the Insured, guests effects for which the Insured has assumed liability and/or held by them in trust or on their custody or on commission or on consignment whilst in and/or about the Insured premises.

 

SUM INSURED                                                                                                    IDR. ______________

 

SAMPLE WORDING INTEREST INSURED - ON OFFICE-CONTENT (OFFICE INVENTORY)

 

On all office inventory office machinery and furniture fixtures-fittings tools and all other contents of every type and description including but not limited to AC, PABX and Telephone set, mobile-phone and hand-phone, Fax and Copy machines, computers & laptop including its installation network (LAN & Internet) and its related & supporting structures, money and money negotiable, business book including cost of rewriting business records, computer records and software, guests effects for which the Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on commission whilst in and/or about the Insured premises

SAMPLE WORDING PADA INTEREST INSURED - BUILDING / BANGUNAN (4) restaurants

 

On all real and personal property of any kind nature or description in and/or about the Insured premises including any kinds of  restaurant’s machinery and equipment and furniture including but not limited to all cooking and cleaning equipment and kitchen equipment,  chillers-boilers, freezers, dishwasher, washing machine, mixing-machines, gas pipe, electrical equipment and electronic appliances, sound system and their relevant accessories including other supporting facilities, AC, PABX, Key Telephone and Mobile-phone, Televisions, Audio and Video Equipments and its supporting tools, Power Supply and Amplifiers, Computers and internet including its installation structures, Cash Register Machine, moveable equipment, furniture, fixtures-fittings and utensils of trade of every description, any kinds of interior decorations and improvements, food-stuff including spices, etc, business books including cost of rewriting business records computer office inventory and furniture office equipment guests and tenants’ effects for which the Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on commission whilst in and/or about the Insured premises (Cover shall be deemed to include the property of the guest and tenants where the insured has assumed liability with limit of IDR. _________,- any one accident)

 

TOTAL SUM INSURED                                                                    IDR.   ______________

 

 

SAMPLE WORDING PADA INTEREST INSURED - BUILDING / BANGUNAN (2) & BUSINESS INTERRUPTION

 Untuk – Apartemen Sewa

Catatan : Untuk Apartement Non Sewa – Biasanya tidak ada BI

 

BUILDING

On building and all real and personal property of any kind nature or description in and/or about the insured premises including but not limited to materials on the ground and all structural appurtenances, fixtures-fittings attached and belonging thereto and external walls gates, fences, car parks, driveways, pavements, gangways, alleys and annexes underground cable supplies, gas-pipes, machinery and plant (including its supporting and protective structures) lift, generators, chiller-boilers, moveable-equipment, non-licensed vehicle,  furniture, fixtures-fittings and utensils of every description including but not limited to Office inventory and equipment, CCTV, Televisions, AC, PABX and Telephone set, mobile-phone and hand-phone, Fax and Copy machines, computers & laptop including its installation network (LAN & Internet) and its supporting equipment, all kitchen equipment, sports club and restaurant including other supporting facilities, including their inventory, interior decoration and improvements, business books including cost of rewriting business records computer records and software, landscape and cost of replanting the garden guests and tenants effects of which Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust whilst in and/or about the Insured premises. (Cover shall be deemed to include the property of the guests and tenants for which the Insured has assumed or wishes to have assumed liability with limit USD. __________ any one accident).  

       SUM INSURED                                                                                                                  USD/IDR. ________

 

BUSINESS INTERRUPTION

One hundred percent (100%) of the amount which the Insured is entitled to recover under the provisions of the attached specification which is declared to be incorporated in and to form part of this schedule but not exceeding the Total Sum Insured hereby.

 

For Indemnity Period :          12 (twelve) months

 

INTEREST AND SUM INSURED :

On Loss of Gross Rental, Service Charges, Parking Charges, increase in cost of workings and Auditor’s Fee but less variable expenses.

                                                                                             

SUM INSURED                                                                                                                                            USD/IDR. _______

 

TOTAL SUM INSURED PROPERTY DAMAGE & BUSINESS INTERRUPTION  USD.  ______

MISCELLANEOUS PROPERTY FLOATER – ALL RISKS FORM (Bentuk Lain Polis Property All Risks)

Jaminan Perlindungan yang selama ini banyak beredar adalah menggunakan form Industrial All Risks Insurance dari Wording Munich-Re, padahal di market Asuransi, tidak hanya jenis dari MunichRe.

Salah satu diantaranya adalah Wording MISCELLANEOUS PROPERTY FLOATER – ALL RISKS FORM
C-530 Mennonite Mutual Fire Insurance Company of Saskatchewan 

https://www.mmfi.com/getfile.php?fileId=114

Berikut adalah isi wordingnya, dan untuk mengunduh dalam bentuk PDF silahkan klik link ini

MISCELLANEOUS PROPERTY FLOATER – ALL RISKS FORM

PROPERTY INSURED

This Policy covers the property of the Insured or the property of others for which the Insured may be liable as described on the

Declarations Page, including appurtenances thereof attached thereto or contained thereon. Each item scheduled is to be deemed

separately insured.

LIMITS OF LIABILITY

It is agreed that the Insurer’s limit of liability, including salvage charges, sue and labour, or the expenses, or all combined, shall not

exceed the amount of insurance for each item as stipulated herein or contained on any endorsement attached hereto, in respect to any

one loss, disaster, or casualty.

PERILS INSURED

This Policy insures (except as excluded elsewhere in this Policy);

While on Land, against all risks of direct physical loss of or damage to the insured property from any external cause, except as provided

elsewhere in this Policy;

(b) While waterborne on board any regular ferry while operating on inland or coastal waterways only, against loss or damage to

the Insured property directly caused by the stranding, sinking, burning or collision of the ferry, including general average and salvage

charges only.

PERILS EXCLUDED

This Policy does not insure against:

(a) Loss or damage caused by delay, loss of use, loss of market, wear and tear, gradual deterioration, inherent vice, latent defect or

mechanical breakdown or derangement;

(b) Loss or damage caused by or resulting from corrosion, rust, rodents, insects, vermin, dampness of atmosphere, staining or freezing

unless such damage is the result of other loss covered by this Policy;

(c) Loss caused by unexplained or mysterious disappearance of property (except property in the custody of carriers for hire);

(d) Loss or damage caused by or resulting from artificially generated electrical currents to electrical appliances or devices, (including

wiring), unless fire ensues and then only for loss or damage by such ensuing fire;

(e) Loss or damage (unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion)

sustained while the property insured is actually being worked upon and directly resulting therefrom or caused by any repairing,

adjusting or servicing of the property insured;

(f) Loss or damage resulting from misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured or

other party of interest, his or their employees or agents or any person or persons to whom the property may be entrusted (bailees

or carriers for hire excepted);

(g) Loss or damage occasioned by neglect of the Insured to use all reasonable means to save and preserve the property at and after any

disaster insured against or when the Insured has notice of an impending disaster;

(h) Breakage of glass or similar fragile materials, marring or scratching unless such loss or damage to the insured property is caused

directly by fire or the combating thereof, lightning, flood, earthquake, windstorm, hail, explosion, strike, riot or civil commotion,

aircraft, vehicles other than transporting conveyances, rupture of pipes or breakage of apparatus, sprinkler leakage, vandalism,

malicious acts, theft, attempted theft or accident to transporting conveyance;

(i) Loss, destruction or damage caused by civil commotion, war, invasion, act of foreign enemy, hostilities (whether war be declared or

not), civil war, rebellion, revolution, insurrection or military power;

(j) Loss, destruction or damage caused by contamination by radioactive material;

(k) by any “fungi” or “spores” unless such “fungi” or “spores” are directly caused by or directly result from a peril otherwise insured

and not otherwise excluded by this Form;

(l) by delay loss of market, or loss of use or occupancy;

(m) by any nuclear incident (as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any law

amendatory thereof) or nuclear explosion, except for ensuing loss or damage which results directly from fire, lightning or

explosion of natural, coal or manufactured gas;

(n) loss or damage caused directly or indirectly by any actual or alleged spill, discharge, emission, dispersal, seepage, leakage,

migration, release or escape of “pollutants”, nor the cost or expense of any resulting “clean up”, but this exclusion does not

apply:

(i) If the spill, discharge, emission, dispersal, seepage, leakage, migration, release or escape of “pollutants” is the direct result

of a peril not otherwise excluded under this Form;

(ii) to loss or damage caused directly by a peril not otherwise excluded under this Form;

(o) cost or expense for any testing, monitoring, evaluating or assessing of an actual, alleged, potential or threatened spill, discharge,

emission, dispersal, seepage, leakage, migration, release or escape of “pollutants”.;

DATA & DATA PROBLEM EXCLUDED

(a) This Form does not insure “Data”

(b) This Form does not insure loss or damage caused directly or indirectly by “Data Problem”.

However, if loss of damage caused by “Data Problem” results in the occurrence of further loss of or damage to property insured

that is directly caused by fire or lightning, explosion, impact by aircraft, spacecraft or land vehicle, leakage from fire protective

equipment, windstorm or hail, all as described in clause 19 (k) “Named Perils” this exclusion (b) shall not apply to such resulting

loss or damage.

TERRITORIAL LIMITS

This Policy covers only within Canada and the Continental limits of the United States of America (excluding the State of Alaska).

DEDUCTIBLE CLAUSE

Each claim for loss or damage shall be adjusted separately and from the amount of each such adjusted claim or the applicable limit of

liability, whichever is less, the sum shown on the Declaration Page shall be deducted.

CO-INSURANCE

The Insured shall maintain insurance concurrent in form, range and wording with this Policy on the property Insured to the extent of at

least 100% of the actual cash value thereof, and, failing so to do, shall only be entitled to recover that portion of any loss that the limit of

liability in force at the time of loss bears to the limit of liability required to be maintained by this clause.

This clause shall apply separately to each item insured.

REINSTATEMENT

Any loss hereunder shall not reduce the amount of this Policy.

PROPERTY OF OTHERS

In case of loss or damage to property of others held by the Insured for which claim is made upon the Insurer with the consent of the

Insured, the right to adjust such loss or damage with the owner or owners of the property is reserved to the Insurer and the receipt of

such owner or owners in satisfaction thereof shall be in full satisfaction of any claim of the Insured for which such payment has been

made. If legal proceedings be taken to enforce a claim against the Insured as respects any such loss or damage the Insurer reserves the

right at its option without expense to the insured, to conduct and control the defense on behalf of and in the name of the Insured. No

action of the Insurer in such regard shall increase the liability of the Insurer under this Policy, nor increase the limits of liability provided

herein.

OTHER INSURANCE

Where there is any other valid insurance providing indemnity for loss for which this Rider provides indemnity, the Insurer shall be liable

only for its rateable proportion of the loss.

ALL GENERAL EXCLUSIONS, DEFINITIONS AND PROVISIONS OF SECTION I PROPERTY COVERAGES APPLY

ALL STATUTORY AND ADDITIONAL CONDITIONS OF THIS POLICY APPLY