When Frustration Becomes a Turning Point
Many business owners in Bekasi and its surroundings — from factory owners, contractors, to logistics entrepreneurs — often experience the same thing: insurance claims are rejected even though they have paid high premiums and have already received the policy.
This problem isn’t new. Every year, many companies complain about the difficulty of processing claims. Some even feel that insurance is a burden, not a solution.
However, this problem isn’t entirely due to poor insurance, but rather to the policy and claims process not being handled by someone who truly understands the risks and mechanisms. This is where the role of PT. Liberty and General Insurance Broker (L&G Insurance Broker) becomes crucial.
L&G is a professional insurance brokerage firm with over 30 years of experience managing risks across various sectors: manufacturing, construction, energy, logistics, and transportation. As a registered insurance broker and supervised by the Financial Services Authority (OJK), L&G stands on the side of its clients, not the insurance companies.
This means that L&G’s primary responsibility is to protect clients’ interests, from risk analysis and drafting appropriate policies to fighting for claims to be properly paid.
Why Are Many Claims Rejected Despite High Premiums?
In practice, many entrepreneurs are disappointed because they assume paying high premiums automatically means full coverage. However, the premium value doesn’t guarantee claim validity.
There are several main reasons why insurance claims are often rejected, especially in the commercial, industrial, and construction sectors in the Bekasi, Cikarang, MM2100, Jababeka, and Karawang areas.
- The policy is not prepared based on real conditions.
Many policies are based solely on general data without field inspections. For example, a factory is labeled a “concrete building” when the majority of the area is constructed of more flammable sandwich panels.
As a result, when a fire occurs, the insurer rejects the claim due to differences in risk description.
- Insufficient Insurance Value (Underinsured)
This is a classic case: assets worth Rp100 billion are only insured for Rp50 billion.
When a fire occurs, claims are only paid proportionally at 50%.
Many factory owners in Bekasi are unaware that incorrectly determining asset values can result in claims of significant losses.
- Unknown Policy Exclusions
Most policyholders don’t read the fine print. They don’t realize that some common risks, like floods, lightning, or boiler explosions, may be excluded.
When a disaster strikes, they realize their coverage does not cover the risks they face.
- Administrative Errors and Claim Documentation
Insurance requires formal evidence: police reports, proof of loss, repair letters, before-after photos of the incident, and so on.
Without professional guidance, many entrepreneurs fail to meet the required documentation standards — resulting in claims rejected just because of administrative shortcomings.
Real Case Example: Plastic Factory Fire in Bekasi
One of the Insurance clients is a plastic factory in the MM2100 area, Bekasi.
In 2023, the factory experienced a fire in the production area due to a short circuit in machinery. Damages reached Rp 12 billion.
Previously, they had an insurance policy purchased directly from the insurance company without a broker. However, when they filed a claim, the insurance company refused to pay in full, citing:
- The description of the building in the policy does not match the actual conditions.
- The insurance value is only IDR 7 billion.
- There is no clause of debris removal and architect fee in the police.
In the end, they only received Rp 4.5 billion — even though the total loss was almost three times that.
Following the incident, management decided to partner with L&G Insurance Broker. L&G conducted a re-risk survey, revalued assets, and restructured the entire policy.
A year later, when a molding machine was damaged due to a power surge, the claim was settled in just three weeks and paid in full without dispute.
This is a real-life example of how the role of a professional insurance broker makes a huge difference between frustration and certainty.
The Vital Role of Insurance Brokers Like L&G
Insurance brokers are not just intermediaries — they are independent risk advisors tasked with representing their clients’ full interests.
Here are the main functions that make L&G a strategic partner for many companies in Bekasi and the surrounding areas:
- Risk Assessment and Risk Mapping
Before a policy is issued, L&G conducts a comprehensive risk analysis at the client’s location.
From the results of this assessment, L&G helps determine:
- The right type of insurance (Property All Risks, Machinery Breakdown, Liability, etc.)
- Appropriate insurance value
- Additional risks (flood, riot, machinery breakdown, etc.) that need to be covered
- Policy Drafting and Negotiation
Every clause in an insurance policy has legal and financial implications.
L&G ensures all important clauses are included, such as:
- Reinstatement Clause (replacement based on new value)
- Waiver of Subrogation
- Debris Removal
- Professional Fees
- Automatic Reinstatement
This way, there is no room for insurers to reject claims on technical grounds.
- Claim Advocacy (Claim Assistance)
When a loss occurs, L&G immediately assists the client to ensure that the report and claim evidence are complete and meet insurer standards.
The L&G team also negotiates directly with loss adjusters and insurance companies to fight for a fair claim value.
As a result, the claims process is faster and more transparent.
- Monitoring and Renewal Management
Insurance policies shouldn’t be left to run their course. L&G conducts regular monitoring, updates asset values, and ensures that no risk gaps arise due to changes in operational activities.
Every year, L&G also assists with policy reviews and renewals to ensure optimal protection and the latest business needs.
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In other words, a broker like L&G is an extension of you, not the insurer.
They strive to ensure that every penny of premium you pay delivers maximum results — not just complicated policy paperwork.
Why This Is Relevant for Companies in Bekasi and the Surrounding Area
The Bekasi area — including Cikarang, Jababeka, Delta Silicon, MM2100, and Lippo Cikarang — is the largest industrial center in Indonesia.
In this area, thousands of factories, logistics warehouses and construction projects are active every year.
With such high density and asset value, the risk of fire, explosion, flood and work accidents is very high.
Unfortunately, many companies in the region still rely on standard insurance without in-depth risk analysis.
As a result, they are stuck in the same situation:
- The policy does not match field conditions
- Claims are slow or rejected
- There is no party to defend them when a dispute occurs.
L&G understands the characteristics of the Bekasi area in detail — from the risk profiles of the metal, plastic, electronics, automotive, to logistics industries.
With experience handling EPC projects, power plants, and large warehouses, L&G knows exactly how to tailor policies to real risks.
Concrete Steps L&G Provides to Clients
To prevent frustration and ensure every claim goes smoothly, L&G implements a three-stage approach to service:
Level 1: Pre-Risk Engineering
- Direct visits and surveys to the location
- Physical and operational risk assessment
- Recommendations for improvement and risk mitigation
- Preparation of complete underwriting documents
Level 2: Placement & Negotiation
- Compare offers from some of the best insurers
- Negotiate premiums and clauses professionally
- Prepare final policy documents that are approved by the client
Level 3: Claim Management
- Claim document collection guide
- Direct negotiations with loss adjusters
- Monitoring claim progress until payment is complete
- Final claim report for client archives and audits
With this approach, L&G ensures there are no surprises at critical times.
Testimonials and Real Results
One of the logistics industry clients in the Jababeka Industrial Estate once said:
“Before using a broker, our claims were always complicated and took a long time. After working with L&G, everything became much easier. They not only helped us with the claims, but also helped us understand the policy in simple language.”
Another client of the power plant construction project in Cikarang said:
“We used to think brokers would just add to our costs. But that’s not the case. L&G actually saves us money because the policies are structured precisely and there are no wasted premiums.”
These two testimonials illustrate the real changes many companies have experienced after working with L&G.
Conclusion: Don’t Let Frustration Repeat
If you have ever:
- Paying expensive premiums but claims are rejected,
- Waiting for months for claim disbursement without news,
- Or just found out your policy doesn’t cover major business risks,
then it’s time to switch to the right approach.
Professional insurance brokers like PT. Liberty and General Insurance Broker (L&G) are here to ensure that insurance truly works for you, not against you.
With decades of experience, a team of experts, and a strong reputation in the industrial, construction, logistics, and transportation sectors, L&G is a partner who understands your business risks in Bekasi and the surrounding areas.
🔹Want to know if your policy is strong enough to protect your business?
🔹Or are you facing a stalled claim?
Contact L&G Insurance Broker today for a free consultation.
We’re ready to help review your policy and ensure every penny of premium is working optimally for your business.
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773 (CALL – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
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L&G Insurance Broker — Protecting Your Business, Securing Your Future.
