Monday, February 18, 2019

EPI 56 Excluding Overtopping of Cofferdam

EPI 56 Excluding Overtopping of Cofferdam

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 arising directly or indirectly from the overtopping of a cofferdam caused by a flood with a return period of less than the period stated below.

The burden will be on the Insured to demonstrate that this exclusion shall not apply.

Return period: 25 years.

EPI 53 Normal Action of the Sea

EPI 53 Normal Action of the Sea

It is agreed that in Section 1, Material Damage the following is added to Exclusions to Section 1:
Insurers will not indemnify the Insured in respect of any loss or damage totally or partially resulting from adverse sea conditions unless according to the records available the return period of such sea conditions at the Project Site is higher than the return period stated below.
Sea conditions shall mean waves caused by storm including but not limited to tropical cyclone, typhoon, hurricane. The parameter to be used shall be recorded heights of the significant wave measured by the observation station(s) stated below.
The burden will be on the Insured to demonstrate that this exclusion shall not apply.
Return period: ………. years
Observation station(s): …………………………………………………………………………………………………………..

EPI 48 Piling


EPI 48 Piling

It is agreed that in Section 1, Material Damage the following is added to Exclusions to Section 1:
Insurers will not indemnify the Insured in respect of:

(a) any loss or damage arising directly or indirectly to foundation piles and/or casings and/or sheet pile constructions which are:
(i) misplaced and/or misaligned;
(ii) lost during driving and/or extraction;
(iii) the subject of individual or block disconnection or declutching;

(b) the cost of repair, replacement, or rectification of piling work necessitated by leakage or infiltration of fluids or material at seams, joints, connections and/or beneath sheet pile constructions or into casings, unless such leakage or infiltration is a direct consequence of other Loss for which indemnity is provided by this Policy;

c) any abandoned piling work, unless such abandonment is a direct consequence of other Loss for which indemnity is provided by this Policy;

(d) piles which have failed to pass a load test or attain the required bearing load, unless such failure is a direct consequence of other Loss for which indemnity is provided by this Policy.

Discontinuance of business clause endorsement


Discontinuance of business clause endorsement

If the business insured is discontinued after the occurrence of the insured event, the indemnity shall be paid for the period (up to the maximum indemnity period) which would normally have been required to bring the business insured back to normal. In the event that the insured controls the circumstances because of which the business insured is discontinued, the said indemnity, shall not be payable in full. The insurer shall only indemnify the insured for that part of the said indemnity which equals unavoidable insured expenses actually incurred.

Contingent business interruption endorsement


Contingent business interruption endorsement

This extension is subject to the exclusions, conditions and limitations of this policy to which this extension is attached.

In consideration of the premium paid this policy is extended to cover the actual loss sustained by the insured during the period of insurance as a direct result of actual loss or damage sustained from a peril named under section 1 of this policy to property owned or controlled by the following direct suppliers or direct receivers:

Enter names of direct suppliers or direct receivers.

The insurer shall not be liable under this extension for more than the sublimit specified under the schedule of this policy for contingent business interruption, which shall apply to all loss arising out of any one occurrence.

All other terms and conditions of this policy remain unchanged.

Civil authority interruption endorsement


Civil authority interruption endorsement

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

The insurer shall not be liable under this extension for more than the sublimit specified under the schedule for civil authority interruption, which shall apply to all loss arising out of any one occurrence.

All other terms and conditions of this policy remain unchanged.

LIMITATION OF LIABILITY CLAUSE (JOINT INSUREDS)

Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or otherwise, the total liability of the Insurers in respect of any or all Insureds shall not exceed the limit(s) of liability stated in this Policy.

AVN 14

1.10.96

Sunday, February 17, 2019

Heavy Equipment Special Risks Insurance Policy - Standard Wording


HEAVY EQUIPMENT SPECIAL RISKS POLICY

The Insured described in the Schedule hereto has applied to
PT ………………
(hereinafter called “the Insurer”)
by a proposal and declaration which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and is deemed to be incorporated herein and has paid or agreed to pay the premium as consideration  for such insurance.

That the Insurer shall, subject to the terms, exceptions and conditions  contained herein or endorsed indemnify the Insured against loss of or damage to the property described in the Schedule hereto, caused  by ALL PERILS except provided herein.

GENERAL EXCEPTIONS   PENGECUALIAN UMUM

The Insurer shall not be liable in respect of :        
1. Any accident, loss, damage,  expense occasioned by or through or in consequence either directly or indirectly of :
1.1.         War, invasion, act of foreign enemy, hostilities warlike operations (whether war be declared or not), civil war
1.2.         Mutiny,   civil   commotion   assuming   the proportions of or amounting to a popular
rising, military rising, insurrection, rebellion, revolution, military or usurped power
1.3.         Earthquake, volcanic eruption, landslide, flood, tsunami, typhoon or another symptom of geology or meteorology and Excluded Perils
In any action, suit or other proceeding where the Insurer alleges that by reason of the provisions of this General Exception any accident, loss, damage, expense is not covered by this insurance, the burden of proving that such accident, loss, damage, expense is covered shall be upon the Insured.
2.            Any accident, loss, damage or expense occasioned by or through or in consequence, directly or indirectly of confiscation, commandeering, requisition or destruction of or damage to the property by order of the Government de jure or de facto or any public, municipal or local authority of the country  or area in which the property is located.
3.            Any accident, loss, damage or expense directly or indirectly caused by or arising from or in consequence of or contributed to by :
3.1.         nuclear weapon material             
3.2.         ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and, solely for the purpose of this  General Exception, combustion shall include  any  self  sustaining  process  of nuclear fission.
4.            Consequential loss or damage of any kind.

EXCLUDED PERILS           

Unless expressly stated to the contrary, the Insurer shall not be liable for :
1.   Loss or damage caused by wear and tear or gradual deterioration.
2.            Loss or damage caused by faulty manufacture, installation, repairing or occasioned by inherent character of the insured property
3.            Loss or damage caused by breakage during installation, repairing or dismantling, nor breakage during transportation unless caused by fire, lightning, collision, derailment or overturning vehicles.
4.            Loss or damage caused by neglect of the Insured to use all reasonable means to save and preserve the property at and after any disaster insured against.
5.            Loss  or  damage  caused  by  dampness  or atmosphere or extreme of temperature
6.            Loss or damage to the canopy unless such loss or damage is caused by the equipment overturning.
7.            Loss or damage to tyres or tubes due and confined to blow out, bruises, cuts or other causes inherent in the use of equipment, unless such damage is the result of other loss covered by this Policy.
8.            Loss  or  damage  to  equipment  licensed  for highway use, aircraft or watercraft.
9.            If the property hereby insured shall on the happening of any loss or damage be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a rateable proportion of the loss  accordingly. Every item, if more than one, of the Policy shall be separately subject to the condition.
10.          Loss  or  damage  caused  by  or  resulted  from Third Party or General Public Liability.
11.          In the case of loss or damage from perils insured against to any part of machine, consisting when complete for sale or use of several parts, the Insurer shall be liable only for the insured value of the part lost or damaged.
12.          Loss or damage to electrical appliances, devices, apparatus or machinery of any kind, including wiring caused by electrical currents artificially generated unless fire ensues and then only for this Insurer‚s proportion of loss caused by such ensuing fire.
13.          Loss or damage occasioned by the weight of a load exceeding the registered lifting or supporting capacity of the machine.
It is also agreed that no claim shall be made under this Policy unless the loss or damage caused exceeds the deductibles stated in the Schedule and then this Insurer shall only be liable for the amount of loss in excess of deductible stated in the Schedule not exceeding, however, the amount of this Policy.
Subject otherwise to the General Exceptions and Conditions of this Policy

CONDITIONS

1. NOTICE AND PROOF OF LOSS. The Insured shall as soon as practicable report to this Insurer or its agent every loss or damage which may become a claim under this Policy and shall also file with the Insurer or its agent within ninety (90) days from date of loss a detailed sworn proof of loss. Failure by the Insured to report the said loss or damage and file such as herein before provided shall invalidate any claim under this Policy for such loss.
The Insured shall, if required by the Insurer produce or give access to any property alleged to be damaged and the Insured shall be bound to satisfy the Insurer by such reasonable evidence as the Insurer may require that the loss or damage in respect of which a claim is made has actually arisen from one of the risks insured against.

 2.           ARBITRATION. If any difference arises as to the amount of any loss or damage, such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party.
In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator and in case of disagreement between the arbitrators the difference shall be referred to the decision of an Umpire who shall have been appointed by them in writing before entering on the reference, and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke of effect the authority or powers of the arbitrator, arbitrators or umpire respectively and in the event of death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be at the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained.

 3.           OTHER INSURANCE. It is a condition of this Policy that it shall not cover any property to the extent that it is directly covered by other insurance (whether Fire, Marine or other Policy or policies) whether prior or subsequent hereto or simultaneous herewith in date and by whomsoever effected, and this Insurer shall be liable for loss or damage covered  hereunder only for the excess value beyond the amount collectible from such other insurance, but not exceeding the limits of liability set forth herein.

 4.           BENEFIT OF INSURANCE. It is warranted, that this insurance shall in no case inure directly or indirectly to the benefit of any carrier, bailee or other party by stipulation in bill of lading or otherwise and any breach of this warranty shall render this Policy null and void.

 5.           EXEMPTING OTHERS FROM LIABILITY. Any act or agreement by the Insured prior or subsequent hereto or simultaneous herewith in date, whereby any right of the Insured to recover in full value of or amount of damage to any property lost or injured and insured hereunder, against any carrier, bailee or other party liable therefore, is released, impaired or lost, shall render this Policy null and void, but the right to retain or recover the premium shall not be affected. This Insurer is not liable for any loss or damage which, without its consent, has been settled or compromised by the Insured. The Insured may however, accept the ordinary bills of lading issued by carries without prejudice to this insurance but the Insured agrees not to enter into special agreement with the carriers releasing them  from  their common law or statutory liability.

6.            SUBROGATION OF RIGHTS. The Insured shall at the expense of the Insurer, do and concur in doing and permit to be done, all such acts and things as may be necessary or required by the Insurer for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Insurer shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Insurer.

7.            REDUCING CLAUSE. Loss incurred hereunder shall reduce the amount of insurance on the property lost or damaged by the amount of the loss until the said amount be made good by additional insurance with pro rata additional premium paid therefore.

8.            MACHINERY. In case of loss or damage from perils insured against to any part of a machine, consisting when complete for sale or use of several parts, this Insurer shall be liable only for the insured Value of the part lost or damaged.

9.            VALUATION. Unless otherwise specifically stated herein, this Insurer shall not be liable beyond the actual cash value of the property at any time any loss or damage occurs, and in no event for an amount in excess of that specified in the Policy, and the loss or damage shall be ascertained or estimated according to such actual cash value with proper deduction for depreciation, however caused and shall in no event exceed what would then cost the Insured to repair or replace the same with material of like kind and quality said ascertainment or estimate shall be made by the Insured and this Insurer, or, if they differ, then by arbitrators. As herein provided, it shall be optional, however, with this Insurer to take all or any part of the articles as such ascertained or appraised value and also to repair or replace the property lost or damaged with other of like kind and quality within a reasonable time on giving notice within thirty days after receipt of the proof herein required, of its intention so to do, but there can be no abandonment to this Insurer of the property described.

10.          AVERAGE (CO-INSURANCE). If the property hereby insured shall, on the happening of any loss or damage be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own Insurer for the difference, and shall bear a rateable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.

 11.         ASSIGNMENT. The assignment of this Policy, or this subrogation of any right hereunder to any party without the written consent of the Insurer, shall render this insurance null and void.

 12.         CANCELLATION OF THE INSURANCE. The insurance may be terminated at any time at the request of the Insured, in which case the Insurer will retain the customary short period rate for the time the Policy has been in force. The insurance may also at any time be terminated at the option of the Insurer or notice to that effect being given to the Insured in which case the Insurer shall be liable to repay on demand a rateable proportion of the premium for the unexpired term from the date of the cancellation.

13.          MISDESCRIPTION. This Policy shall be void if the Insured has concealed or misrepresented any material fact or circumstances concerning this insurance or the subject thereof or in any case of any fraud, attempted fraud or false swearing by the Insured touching any matter relating to this insurance or the subject thereof, whether before or after a loss.

14.          TIME LIMIT FOR INSURERS LIABILITY. In no case whatever shall the Insurer be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.


15.          NOTICES. Every notice and other communication to the Insurer required by these conditions must be written or printed.

Complete Wording klik this LINK

Saturday, February 16, 2019

Perbedaan Jaminan Asuransi Pengangkutan Barang ICC "A", ICC "B" dan ICC "C"


Perbedaan Jaminan Asuransi Pengangkutan Barang ICC "A", ICC "B" dan ICC "C"

ICC "A", Menjamin
1. Kebakaran atau Peledakan
2. Kapal Kandas, terdampar, tenggelam atau terbalik
3. Alat angkut darat tabrakan, terbalik atau keluar rel
4. Tabrakan kapal atau benturan kapal dengan benda-benda lain kecuali air
5. Pembongkaran barang di pelabuhan darurat
6. Gempa bumi, letusan gunung berapi atau sambaran petir
7. Pengorbanan kerugian umum (general average/sacrifice)
8. Jettison (pembuangan kargo keluar dari kapal laut)
9. Barang tersapu ombak ke laut (washing over board)
10. Masuknya air laut, air danau atau air sungai ke dalam kapal, palka kapal, kontainer atau tempat penyimpanan
11. Kerugian total per kolo karena terlempar atau jatuh ke laut selama pemuatan atau pembongkaran barang ke atau dari kapal (sling lost)
12. General Average contribution – kontribusi kerugian GA
13. Both to blame collision : kontribusi tubrukan kapal vs kapal
14. Banjir, angin topan, tanah longsor, pergerakan tanah, tsunami
15. Pencurian, perampokan dan bajing loncat
16. Terjatuh, tersodok forklift, risiko bongkar muat lainnya
17. Kerusakan akibat kecelakaan lainnya (Accidental damage) yang tidak disebut diatas

ICC "B" Menjamin :

1. Kebakaran atau Peledakan
2. Kapal Kandas, terdampar, tenggelam atau terbalik
3. Alat angkut darat tabrakan, terbalik atau keluar rel
4. Tabrakan kapal atau benturan kapal dengan benda-benda lain kecuali air
5. Pembongkaran barang di pelabuhan darurat
6. Gempa bumi, letusan gunung berapi atau sambaran petir
7. Pengorbanan kerugian umum (general average/sacrifice)
8. Jettison (pembuangan kargo keluar dari kapal laut)
9. Barang tersapu ombak ke laut (washing over board)
10. Masuknya air laut, air danau atau air sungai ke dalam kapal, palka kapal, kontainer atau tempat penyimpanan
11. Kerugian total per kolo karena terlempar atau jatuh ke laut selama pemuatan atau pembongkaran barang ke atau dari kapal (sling lost)
12. General Average contribution – kontribusi kerugian GA
13. Both to blame collision : kontribusi tubrukan kapal vs kapal

ICC "C" Menjamin

1. Kebakaran atau Peledakan
2. Kapal Kandas, terdampar, tenggelam atau terbalik
3. Alat angkut darat tabrakan, terbalik atau keluar rel
4. Tabrakan kapal atau benturan kapal dengan benda-benda lain kecuali air
5. Pembongkaran barang di pelabuhan darurat
6. 7. Pengorbanan kerugian umum (general average/sacrifice)
8. Jettison (pembuangan kargo keluar dari kapal laut)
9. 12. General Average contribution – kontribusi kerugian GA
13. Both to blame collision : kontribusi tubrukan kapal vs kapal

secara lebih sederhana bisa dilihat seperti dalam gambar di  bawah ini :



Tuesday, June 12, 2018

Mau Mudik Lebaran ? Perjalanan Anda terlindungi Asuransi Kecelakaan loh!


Dalam musim Pulang Kampung atau mudik Lebaran, seluruh Masyarakat sibuk mempersiakan diri untuk melakukan perjalanan jauh keluar kota. Baik menggunakan kendaraan sendiri, umum, baik melalui darat laut dan udara.

Sebenarnya bagi Masyarakat Awam Asuransi, kita ini sudah ada Jaminan Asuransi Sosial yang disediakan pemerintah selama ini.

Kira-kira apa saja sih jaminanya ?

Ada AKDP, yaitu Asuransi Kecelakaan Diri Pengemudi, rinciannya bisa dicek langsung ke link berikut : http://carakamulia.com/asuransi-jiwa-saat-buat-sim/

Trus ada lagi yang istilah singkatannya : SWDKLLJ, Asuransi kecelakaan juga nih, tapi dari fasilitas pemilik kendaraan yang iuran preminya sudah wajib masuk saat STNK diterbitkan atau diperpanjang, rinciannya ? coba cek link berikut : http://carakamulia.com/berkendara-wajib-mengenal-manfaat-swdkllj/

Nggak cuma itu, ternyata ada juga Jaminan untuk Tanggung Jawab Hukum pihak ketiganya loh.
Nama produknya ATJHK rincian manfaatnya ada di link berikut : http://carakamulia.com/manfaat-akdp-atjhk-asuransi-bhakti-bhayangkara/

coba deh, sebelum atau saat mudik, sambil menunggu perjalanan tiba cek aja situs yang paling lengkap memberikan tips dan artikel tentang perlindungan kita di http://www.carakamulia.com dijamin, semua informasi yang ingin diketahui tentang asuransi ada disana, atau bisa langsung kontak petugasnya dari aplikasi WhatsApp yang tersedia di Web tsb.

Ini Asuransi beneran atau bohongan ? Ya bener lah, Caraka Mulia itu Pialang dan Konsultan Asuransi yang memiliki Izin dari OJK, juga anggota Asosiasi Perusahaan Pialang Asuransi dan Reasuransi Indonesia, Terlebih lagi Pialang Asuransi itu, bertindak untuk dan atas nama tertanggung. Jadi pasti aman lah, dengan layanan terpadu dan memberikan konsultasi gratis ! untuk seluruh Masyarakat Indonesia. Bahkan ada pelatihan Asuransi gratis juga kok.

Coba Deh Silahkan di cek yah.



Peringkat Asuransi Umum Tahun 2018 versi InfoBank



Asuransi Terbaik Versi InfoBank Edisi Juni 2018
Majalah keuangan terkemuka di Indonesia, InfoBank, telah menerbitkan Majalah Edisi Juni 2018, yang memuat Rating 128 Perusahaan Asuransi Indonesia, dengan topik, siapa yang mampu bertahan dimasa sulit ?
Seperti dilansir dari infobanknews.com melalui url : [http://infobanknews.com/rating-128-asuransi-siapa-bertahan-di-masa-sulit/] yaitu :
Biro Riset Infobank (birI) mencatat, secara industri pendapatan premi bruto industri umum naik tipis tahun lalu, yakni hanya 3,53% menjadi Rp55,17 triliun. Jumlah perusahaan asuransi umum pun berkurang menjadi 73 perusahaan, setelah tiga perusahaan, yaitu Asuransi Recapital terkena pembatasan kegiatan usaha dan Fairfax Insurance Indonesia bersama Asuransi Raya dicabut izinnya tahun lalu. Dari 73 perusahaan asuransi yang aktif, 25 di antaranya mengalami penurunan premi.
Selain ketatnya kompetisi dalam merebut pasar premi, perusahaan-perusahaan asuransi terus terperangkap dalam perang tarif dalam pemberian komisi broker yang membuat biaya akuisisi sulit terkendali sehingga menekan keuntungan. Ada 34 perusahaan yang labanya anjlok dan 12 di antaranya merugi. Secara total, laba industri asuransi umum tahun lalu menurun 4% menjadi Rp69,72 triliun.
Terlepas dari segala pergolakan perkembangan di Industri Perasuransian, Rating Perusahaan Asuransi tetap berjalan, dan salah satu media terkemuka telah rilis seluruh daftar Rating 128 Perusahaan Asuransi di Indonesia sekaligus mengkonfirmasi data siapa saja Asuransi Terbaik Versi InfoBank Edisi Juni 2018. [Artikel : http://tim-agen-asuransi.com/asuransi-terbaik-versi-infobank-edisi-juni-2018/]
Dari berita yang dilansir media tersebut dinyatakan

Asuransi Terbaik Versi InfoBank Edisi Juni 2018 :

Di kelompok perusahaan asuransi jiwa dengan premi bruto di bawah Rp1 triliun hanya lima perusahaan yang meraih predikat “sangat bagus”, yaitu Reliance Life, Asuransi Jiwa Taspen, Heksa Solution Insurance, Asuransi Jiwa Tugu Mandiri, dan Asuransi Jiwa Mega Indonesia.
Sedangkan, di industri asuransi umum yang dihuni 73 perusahaan, ada 35 perusahaan yang berhasil meraih predikat “sangat bagus” atas kinerja keuangan 2017. Perusahaan asuransi umum yang berhasil meraih predikat “sangat bagus” tersebut mampu memanfaatkan ruang sempit di tengah perekonomian yang belum kuat tahun lalu dengan mempertahankan pertumbuhan bisnis dan mempertahankan rasio-rasio di atas standar regulasi maupun industri serta mencatat skor penilaian minimum 81%.
Di kelas asuransi umum, perusahaan yang meraih predikat “sangat bagus” di kelas premi bruto Rp1 triliun ke atas adalah Asuransi Sinar Mas, BRINS General Insurance, Asuransi MSIG Indonesia, Asuransi Astra Buana, Asuransi Bina Dana Arta, Asuransi Multi Artha Guna, Asuransi Wahana Tata, Asuransi Kredit Indonesia, Asuransi Jasa Indonesia, Asuransi Tokio Marine Indonesia, Tugu Pratama Indonesia, dan Asuransi Bangun Askrida.
Di kelas premi bruto Rp250 miliar sampai dengan di bawah Rp1 triliun, perusahaan asuransi umum yang mencetak predikat “sangat bagus” adalah Asuransi Sumit Oto, Asuransi Umum BCA, Asuransi Mitra Pelindung Mustika, Jasaraharja Putera, Asuransi Dayin Mitra, Asuransi Umum Mega, Asuransi Reliance Indonesia, Asuransi FPG Indonesia, Asuransi Kresna Mitra, Asuransi Tri Pakarta, AIG Insurance Indonesia, Asuransi Raksa Pratikara, Asuransi Cakrawala Proteksi, dan Asuransi Samsung Tugu.
Sedangkan, di kelompok perusahaan asuransi umum berpremi bruto di bawah Rp250 miliar yang meraih predikat “sangat bagus” adalah Arthagraha General Insurance, Asuransi Mega Pratama, Asuransi Binagriya Upakara, Asuransi Jasa Tania, Asuransi Buana Independent, Asuransi Tugu Kresna Pratama, Asuransi Artarindo, Meritz Korindo Insurance, dan Asuransi Simas Net.

Sunday, August 27, 2017

ENGINEERING PROJECT INSURANCE ENDORSEMENT - SWISS RE

Swiss Re memiliki Endorsement Wording untuk Engineering Project Insurance.
Untuk mendapatkannya silahkan klik link ini

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 


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

ASURANSI KREDIT PERDAGANGAN - TRADE CREDIT INSURANCE

Jenis asuransi ini akan memberikan ganti rugi kepada Tertanggung (Penjual) terhadap kemungkinan risiko kerugian akibat tidak diterimanya sebagian atau seluruh pelunasan pembayaran dari pembeli domestik yang disebabkan oleh Risiko Komersial.

Obyek yang Ditanggung adalah Piutang/Tagihan yang berkaitan dengan komoditi/barang/jasa yang dijual didalam negeri (domestik) yang syarat pembayarannya berjangka.

Manfaat:

  • Meningkatkan Penjualan, Meningkatkan daya saing penjual/seller karena dapat memberikan penawaran yang lebih menarik kepada pembeli/buyer karena adanya rasa aman dari penjual terhadap transaksi yang dilakukan.
  • Memberikan perlindungan atas Kemungkinan Gagal Bayar (Stabilisasi kondisi keuangan penjual/seller) Kagagalan pembayaran (sebagian atau seluruhnya) dari Pembeli/buyer merupakan risiko yang tidak dapat dihindari oleh Penjual/seller. Dengan asuransi, maka kami risiko tersebut akan beralih kepada Asuransi Asei sehingga tertanggung/Penjual terhindari dari kerugian/gangguan keuangan.
  • Memperbaiki Manajemen Kredit.

Perusahaan Asuransi di Indonesia yang memasarkan Produk Asuransi Kredit Perdagangan / Trade Credit Insurance adalah :

  • Askredag
  • Asei
  • Adira
  • Allianz
  • Askrindo
  • Tokio Marine Indonesia
  • Jasa Rahara Putera
  • AIG Indonesia
  • dan lainnya

Jaminan Asuransi untuk Kegagalan Pembayaran atau Jaminan Pembayaran Perdagangan bukan melalui Surety Bond

Banyak sekali permintaan dari masyarakat untuk Jaminan Pembayaran, yang terkait dengan proses perdagangan bisnis mereka.

Rata-rata mereka selalu menganggap semua itu bisa dijamin dengan adanya penerbitan Surety Bond, padahal, tidak semua masalah pembayaran dijaminkan melalui Surety Bond.

Untuk mengetahu secara Pasti tentang

  • Apa itu Surety bond, silahkan klik link ini
  • Apa itu Trade Credit Insurance / Asuransi Kredit Perdagangan silahkan klik link ini

MUNICH RE ENDORSEMENT ON CONTRACTORS ALL RISK INSURANCE


Endorsement 001
Cover for Loss or Damage due to Strike, Riot and Civil Commotion   (SRCC)


It is agreed and understood that otherwise subject to the terms, exclu¬sions, provisions and conditions contained in the Policy or endorsed thereon, and subject to the Insured having paid the agreed extra premium, this Policy shall be extended to cover loss or damage due to strike, riot and civil commotion which for the purpose of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained) loss of or damage to the property insured directly caused by

MUNICH RE ENDORSEMENT ON ERECTION ALL RISKS INSURANCE

Endorsement 001
Cover for Loss or Damage due to Strike, Riot and Civil Commotion   (SRCC)

It is agreed and understood that otherwise subject to the terms, exclu¬sions, provisions and conditions contained in the Policy or endorsed thereon, and subject to the Insured having paid the agreed extra premium, this Policy shall be extended to cover loss or damage due to strike, riot and civil commotion which for the purpose of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained) loss of or damage to the property insured directly caused by


MR-001 COVER FOR LOSS OR DAMAGE DUE TO STRIKE, RIOT AND CIVIL COMMOTION - Erection All Risks Insurance Endorsement

Endorsement 001
Cover for Loss or Damage due to Strike, Riot and Civil Commotion   (SRCC)

It is agreed and understood that otherwise subject to the terms, exclu¬sions, provisions and conditions contained in the Policy or endorsed thereon, and subject to the Insured having paid the agreed extra premium, this Policy shall be extended to cover loss or damage due to strike, riot and civil commotion which for the purpose of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained) loss of or damage to the property insured directly caused by


ASURANSI JIWA KREDIT

ASURANSI JIWA KREDIT


  • adalah program asuransi yang dirancang untuk memberikan perlindungan terhadap jiwa kreditur sehingga pengembalian kredit sesuai dengan jadwal.
  • Asuransi jiwa kredit pada dasarnya adalah asuransi jiwa, obyek yang dipertanggungkan adalah jiwa pengambil kredit yang jumlah pertanggungannya dibatasi sebesar nilai pokok pinjaman ditambah bunga. Hak klaim timbul apabila debitur tertanggung meninggal dunia dalam kurun waktu pertanggungan.
  • UU No. 2 tahun 1992, jenis bisnis asuransi yang terkait dengan hidup meninggalnya seseorang harus ditangani oleh perusahaan asuransi jiwa dan bukan oleh asuransi kerugian (general insurer).


TARIF ASURANSI PROPERTY, KENDARAAN, SESUAI SE OJK NO. 06 TAHUN 2017

OJK telah mengeluarkan Tarif Premi Asuransi tahun 2017, beberapa waktu yang lalu. Untuk mendapatkannya secara lengkap silahkan download di link berikut :