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 

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

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 :

TARIF PREMI ASURANSI TAHUN 2017