Asuransi Rumah

Produk Asuransi untuk Rumah anda dengan berbagai pilihan yang bisa disesuaikan oleh kebutuhan anda.

Produk Asuransi yang bisa dipilih adalah :

1. Polis Asuransi Kebakaran Standar
2. Polis Asuransi Paket Rumahku Plus dari Allianz
3. Polis Asuransi Rumah "Tailor-Made"

rincian masing-masing produk bisa diklik pada link tersebut diatas.

Namun jangan lupa untuk membaca penjelasan kami tentang :

• Under Insurance dalam Nilai Pertanggungan dan klaim asuransi
• Bagaimana menghindari Under Insurance
• Prosedur dan Tahapan Klaim Asuransi
• Dokumen Pendukung klaim asuransi

Professional Indemnity Insurance for IT Networks Company

INDICATIVE NON-BINDING QUOTATION

CLASS OF INSURANCE	:	Professional Indemnity Insurance
POLICY WORDING	:	Chubb standard integrity errors & omissions insurance policy form 75-02-0155 (Ed. 03-04) Claims –Made & Reported
BASIS	:	Claims Made Basis This policy only extends to insure claims made, notified or reported to Insurers during the currency of the policy period or discovery period if applicable, as more fully defined in the policy.
INSURED	:	PT XXX XXX XXX
ADDRESS	:	xxxxxx
INSURED BUSINESS	:	INDONESIAN INFOCOM NETWORK SOLUTION COMPANY, PROVIDING SOLUTIONS AND STRATEGIC PARTNERSHIP FOR TELECOMMUNICATION INFRASTRUCTURE AND SERVICES
PERIOD OF INSURANCE	:	12 month from the date to be advised Both dates inclusive at 16:00 Western Indonesia Standard time
LIMIT OF INSURANCE	:	Option 1 USD 1,000,000 each wrongful act and in the aggregate Option 2 USD 2,000,000 each wrongful act and in the aggregate Any one claim and in the annual aggregate for all loss, arising out of claims made against the Insureds under all insurance cover combined (including defence costs).
COVERAGE	:	-       Financial Injury -       Intellectual Property Infringement Injury and Reputational Injury Liability (as more fully defined in the original policy and endorsements)
TERRITORY	:	Indonesia
JURISDICTION	:	Indonesia
DISPUTE RESOLUTION AND GOVERNING LAW	:	Indonesia
RETROACTIVE DATE	:	Policy Inception
DEDUCTIBLE	:	USD 250,000 Each and Every Claim
POLICY CLAUSES	:	-       Financial Injury for financial injury, because of the failure: of your product to perform the function or to serve the purpose intended, due to a defect, deficiency, inadequacy or dangerous condition in your product; or to perform your service, in accordance with the terms and conditions of a contract or agreement; caused by a wrongful act to which this coverage applies. Financial injury: A.    means economic injury sustained by a person or organisation because their property, including software, data and other information that is in electronic form: 1.       cannot be used; or 2.       is less useful. B.      includes only that part of economic injury, described in subparagraph A above, which results from your product or your service, or a part or phase of your product or your service, that has been accepted. Your product or your service, or a part or phase of  your product or your service, will be deemed accepted only when and only to the extent that such product or service (or such part or phase) has been accepted pursuant to the acceptance criteria in effect at the time of acceptance. But, in no event will such: -       product be deemed accepted unless and until possession of the product has been relinquished to perform the function or serve the purpose intended. -       service be deemed accepted unless and until the service has begun. Intellectual Property Infringement Injury and Reputational Injury Liability
EXCLUSIONS	:	-       Adjustment, Inspection, Recall or Replacement Expenses -       Aircraft Products -       Asbestos -       Bodily Injury -       Ceasing Support -       Continuing Wrongful Acts -       Contracts -       Damage to Property -       Delay in Deliver of Or Failure to Deliver Your Product -       Delay in Performance of Or Failure to Begin Your Service -       Dishonesty -       Employment-Related Practices -       Enhancement, Maintenance Or Prevention Expenses -       Expected Or Intended Financial Injury -       Financial Impairment of Insureds -       Governmental Claims or Proceedings -       Injury to Insureds Or Affiliates -       Intellectual Property Laws or Rights -       Maintenance of Contracts or Licenses -       Multiplied or Punitive Damages, or Penalties -       Nuclear Energy -       Personal or Reputational Injuries -       Pollution -       Securities Breach or Unauthorised Access -       Terrorism -       War -       Workers’ Compensation or Similar Laws -       Patent and Trade Secrets
ANNUAL PREMIUM	:	OPTION I:            USD xxx OPTION II :          USD xxx
UNDERWRITING SUBMISSION/ INFORMATION	:	-       Completed, unsigned and undated 2012 proposal form -       Annual Revenue 2010: IDR 234,014,823,314 -       www.alita-indonesia.com
SUBJECTIVITIES	:	-       Annual revenue 2011 full year and 2012 forecast -       Completed and signed Chubb INT E&O application form with answer to question Part III question 6 “List of any customers that represents 10% or more of your total annual revenue -       Completed Intellectual Property Infringement and Reputational Injury Protection  (IPR)Questionnaire -       Location details of data centers and development centers -       Exclude of all known claims, losses, incidents, occurrences, notifications, circumstances and any allegations that might lead to claims as at inception date of policy cover

DIRECTOR'S AND OFFICER'S LIABILITY INSURANCE

DIRECTOR'S AND OFFICER'S LIABILITY INSURANCE

 

Insured Name

	PT. XXXXXX  including any and all past, present or hereafter formed or acquired subsidiary, Affiliated or Allied companies, corporations, trusts, foundations, entities, trustees, or organizations which are owned, financially controlled, actively managed or in which the named Insured has had, or has an interest now or hereafter constituted of for which the named Insured has assumed the responsibility of purchasing Insurance.
Period	12 months from a date to be agreed
Address Limit of Liability: Excess Limit of Liability: Non-Executive Director Protection	XXXXXX   Option I: USD XXXXX Option II: USD XXXXX any one Claim and in the annual aggregate for all Claims made against the Insureds under all insurance covers combined (including Defense Costs): USD. XXXXX per any one occurrence and/or series of occurrence arising out of the same events.
Sub-limits of Liability Company Securities Company Employment Practice Error Director protection in the event of an Inquiry Occupational Health and Safety Director protection in the event of a Pollution Action	FULL POLICY LIMIT any one claim and in the aggregate Explanation: This is a significant coverage that the company is also protected as opposed to protection only covering directors in regards to Securities Claim. This coverage covers Payments and/or Defence Costs resulting from a Securities Claim against the company.   FULL POLICY LIMIT any one claim and in the aggregate Explanation: This coverage affords cover for Payments and/or Defence Costs resulting from a Employment Practice Error Claim as made against the company. USD XXXXX any one claim and in the aggregate. Explanation: This coverage covers Defence Costs resulting from an Inquiry. This protection covers formal regulatory or administrative investigation outside of USA/Canada, and there is no requirement of management error or allegations with wrongful act. USD XXXX any one claim and in the aggregate USD XXXXX  for Defense Costs resulting from a Pollution  Action FULL POLICY LIMIT for Payments and/or Defense Costs resulting from a Shareholder Pollution Action Explanation: This coverage covers Payments and/or Defence Costs resulting from a Shareholder Pollution Action. This coverage also covers Defence Costs resulting from a Pollution Action.
Retention: Company Securities Liabilities: Company Employment Practice Error: Payments and Defense Costs incurred by the Company on behalf of Insured Persons:	USD XXXXX for any one Securities Claim made within the Indonesia, its territories or possessions including any judgments, settlements or final agreements USD XXXXXX for any one Securities Claim made outside the U.S.A., its territories or possessions and Canada including any judgments, settlements or final agreements USD XXXXX for any one Company Employment Practice Error Claim USD XXXXX for any one Claim made within the Indonesia, its territories or possessions including any judgments, settlements or final agreements  USD XXXXX for any one Claim made outside the U.S.A., its territories or possessions and Canada including any judgments, settlements or final agreements  USD XXXXX for any one Claim made within the U.S.A., its territories or possessions and Canada including any judgments, settlements or final agreements USD XXXXX for any one Inquiry
Territorial Scope / Jurisdiction:	Worldwide
Other Coverages under the policy Endorsements:	1.     Director Protection of Management Error Claim – protection for directors when a written notice or civil proceeding or arbitration, criminal prosecution, investigation, inquiry or regulatory action alleging Management Error is received against a Director 2.     Director Protection of Employment Practice Error Claim – protection for directors for claims of act or omission of the directors which violates a natural person’s employment rights relating to their actual or possible employment by the Company or an Outside Entity 3.     Director Protection for Outside Entity Directors – a blanket cover for directors who becomes a director, officer, trustee, governor or equivalent in an Outside Entity 4.     Emergency Costs – provides cover for costs & expenses incurred in an Emergency without the Insurer’s prior written agreement where the Insured is not able to obtain consent from the Insurer. (cover for up to  10% of aggregate limit of liability) 5.     Discovery Period - if the policy is not renewed or replaced with similar cover at the expiry of the policy period, a Discovery Period of 60 days (free) or 12 months (for 50% of the annual premium) is available to the Insured 6.     Automatic Retired Directors Cover  for 72 months –  if the policy is not renewed or replaced with similar cover at the expiry of the policy period, Retired Directors are automatically entitled to a Discovery Period of 72 months at no additional premium. 72 months is the typical statute of limitations in most countries and this coverage provides cover up to the full limit of liability 7.     Automatic Director Protection for Newly Acquired or Created Companies & Divested Subsidiaries Cover –no asset restriction for newly acquired companies and they will be automatically protected under D&O policy 8.     Director protection in the event of OH&S action – provides cover for Defense Costs resulting from Occupational, Health and Safety Action against a Director or Outside Entity Director 9.     Automatic coverage for Initial Offering, Listing or Trading of Securities – complimentary cover for 30 days after the date of offering, listing or trading; or end of policy period whichever is earlier 10.  Automatic coverage for Secondary Offering of Securities – automatic overage for secondary offering of the Company’s Securities outside of USA/Canada and no more than 50% of the share capital or no more than USD 250,000,000  11.  Insured vs Insured Coverage – this is a major enhancement where it is usually excluded under a D&O policy. It gives clarity, certainty and comfort that coverage will still be afforded to the directors in the event that they are sued by the policyholder or other Insured. 12.  Order of Payment Clause – this clause provides clarity as well as certainty to Directors, in relation to the order that costs will be advanced in the event a Claim is made against themselves and the entity. This clause ensures that priority would fall upon providing cover to the Directors. 1.     War/ Act of War Exclusion 2.     Payment and Gratuities Exclusion 3.     Specific Matter Exclusion: case of Monopoly and or unfairly business competition on providing sugar import technical verification services 4.     Positions deemed to be insured: President Commissioner, Commissioners 5.     Retroactive Date: as per inception
Premium:	Option I: USD XXXX Option II: USD XXXXX This annual premium is exclusive of applicable charges
Security	1ST Class Insurance Company