Between the Promise of Protection and the Reality on the Ground
For many contractors, developers, and project owners in Bekasi and the surrounding areas, project insurance is a mandatory form of protection. From factory building projects in Cikarang to warehouse construction in Delta Silicon to industrial estate infrastructure projects in Jababeka, all require insurance coverage such as Contractor’s All Risks (CAR) and Erection All Risks (EAR).
But what happens when your project insurance claim isn’t resolved? It’s been months since the claim was filed, but the compensation still hasn’t been paid out.
Documents are requested repeatedly, the insurance company keeps delaying, and your project is forced to stop midway.
The question is: is this your fault, or is the system simply not on your side?
To answer that, let’s take a deeper look—including how PT. Liberty and General Insurance Broker (L&G Insurance Broker) helps many contractors and project owners in Bekasi deal with issues like this.
Why Are Project Insurance Claims So Slow in Bekasi?
Bekasi is one of the most active construction areas in Indonesia.
However, many projects in the region suffer from the same insurance claims challenges: long, complicated, and uncertain processes.
Here are some of the main causes.
- Lack of Professional Guidance from the Start
Most companies purchase project insurance policies directly from insurance companies or through agents. Unfortunately, neither party truly helps them understand the contractual clauses and responsibilities.
For example, on a warehouse construction project in Cibitung, the contractor assumed the CAR policy covered all risks. When the roof collapsed due to heavy rain, the insurer denied the claim, claiming the damage was due to a “design failure.”
In fact, if the police were structured correctly from the beginning (addingDesign Defect Clause), the claim should be paid.
This is where brokers like L&G come in: not just selling the policy, but ensuring every clause is tailored to the project’s needs.
- Claim Documents Not Ready or Incomplete
Insurance companies require detailed documentation:
- Complete incident report
- Photos and videos of the incident
- Contractor’s statement letter
- Reports from third parties (engineers or loss adjusters)
The problem is, many contractors don’t know what kind of document standards are considered valid.
Eventually, claims were repeatedly returned, and the process became very long.
L&G Insurance Broker helps clients prepare all claim documents according to the format and language accepted by the insurer, so that claims can be approved more quickly and without back and forth.
- Slow Communication Between Contractors and Insurance Companies
In many cases, the insurer asks for clarification or additional evidence, but no one is actually responsible for following up.
Contractors are busy in the field, while insurance companies have their own schedules.
As a result, communication is hampered and claims are stopped midway.
Brokers like L&G act as active liaisons, ensuring every request is answered quickly and every step is confirmed.
That way, no time is wasted due to miscommunication.
- Interpretation of Clauses that are Detrimental to Clients
The clauses in a construction insurance policy are technical and legalistic in nature.
One word can change the meaning of the entire coverage.
Without professional guidance, clients are often unaware that insurers are interpreting clauses in a way that reduces their rights.
For example:
A boiler machine erection project in East Bekasi experienced damage during testing.
The insurance company rejected the claim on the grounds that “the testing period was not included in the coverage period.”
In fact, if a broker had been involved in drafting the policy, the “testing & commissioning period” clause would have been included from the start.
Real Case: Logistics Warehouse Project in Cikarang
One of L&G’s clients is a large construction company building a logistics warehouse complex in the Cikarang industrial area.
Midway through the project, a section of the steel structure collapsed due to a temporary installation error. Losses reached Rp 8 billion, including material costs and rework time.
They immediately reported to the insurance company, but the claims process was very slow:
- 2 weeks for document collection
- 1 month waiting for the surveyor
- 2 months clarification process
- 1 more month for the adjuster’s report revision
After 4 months, the claim has not been paid out.
Projects stall, subcontractors sue, and clients lose their reputation with the project owner.
Finally, L&G was called in to help.
The L&G team immediately took the following steps:
- Review the claim documents and correct any deficiencies.
- Arrange direct communication with loss adjusters and insurers.
- Negotiate the value of the loss based on the conditions of the contract and policy.
Within 6 weeks of L&G’s entry, the claim was approved and payment was made.
The contractor can continue the project without financial disruption.
This case is clear evidence that insurance claims are not just about “who is right or wrong”, but about who is on your side.
The Strategic Role of PT. Liberty and General Insurance Broker (L&G)
As a professional insurance broker, L&G is not a representative of an insurance company — but an independent advisor tasked with protecting your interests as a client.
Here are some of L&G’s vital roles in addressing construction claims issues in Bekasi:
- Establishing the Right Police from the Start
L&G conducts a risk assessment at the project site before the policy is drawn up.
As a result, all relevant potential risks will be covered, such as:
- Civil and mechanical work risks
- Testing & commissioning period
- Third-party liability
- Material in transit
- Force majeure such as extreme rain or flooding
That way, there are no loopholes that the insurer can use to reject the claim.
- Become a Claims Process Advocate
As soon as the incident occurred, L&G immediately went to the field to help:
- Making an initial claim report (notice of loss)
- Collect supporting documents and evidence
- Prepare a provisional loss estimate
- Arrange direct communication with loss adjuster
L&G ensures claims are submitted in a professional and documented manner, so insurers have no excuse for delay.
- Negotiation and Claim Settlement
Experienced brokers like L&G have a strong bargaining position in the eyes of insurance companies because of their reputation and credibility.
When there are differences in interpretation of the claim value, L&G can negotiate a settlement with solid technical and legal arguments.
The result: a faster, more transparent claims process and fairer outcomes for clients.
- Providing Insurance Education to the Project Team
L&G not only works when a claim occurs, but also provides training and education to the project team about:
- How to report a claim correctly
- What documents need to be prepared?
- What risks are included/excluded in the policy?
With this understanding, the project team in Bekasi can work with peace of mind knowing what to do if an incident occurs.
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It can be concluded that the broker is your risk advisor, not a policy seller.
They ensure that every rupiah of premium provides real value for your project protection.
Why Bekasi Needs a Strong Construction Insurance Broker
Bekasi is now the heart of national industrial and logistics development.
Projects in this area involve investments of trillions of rupiah with high risks: fire, collapse, work accidents, or project delays.
However, without properly structured insurance coverage and reliable claims, losses can eat into years of profits.
Brokers like L&G Insurance Broker help transform a convoluted system into an efficient, client-friendly mechanism.
L&G understands that construction projects in Bekasi have special challenges:
- Congested and high risk location for third parties
- Extreme weather and potential flooding
- Mobilization of heavy and high-value materials
- Subcontractors change frequently
- Tight project schedule pressure
All these factors make insurance planning and claims management require in-depth experience — something that is a key advantage for L&G.
Additional Case Study: Machine Erection Project in MM2100 Area
An EPC company in the MM2100 industrial area installed production machinery worth IDR 35 billion.
During the process testing, excessive vibration occurs which causes damage to the main components of the engine.
The company immediately filed a claim, but the insurer refused on the grounds that “the testing period is not included in the coverage period.”
Management was shocked — they felt cheated because the policy was called All Risks.
After consulting with L&G, it was revealed that the clause testing & commissioning it is not listed.
L&G then helped renegotiate with the insurer and improve the policy wording for subsequent projects.
The important lesson: don’t assume that all All Risks policies actually cover all risks.
Without broker assistance, one word could result in the loss of billions of rupiah in claims.
L&G’s Steps to Ensure Your Claim Doesn’t Get Stalled
L&G Insurance Broker implements a systematic process to ensure project claims run smoothly:
- Early Notification System
Once an incident occurs, clients simply call the L&G hotline.
The team will send the claim form and document guide soon. - Claim Documentation Support
L&G helps prepare all necessary technical reports and evidence, including photos, engineer reports, and proof of repair costs. - Direct Coordination
Communication takes place directly between L&G, the loss adjuster, and the insurer.
Clients do not need to go back and forth answering technical questions. - Claim Negotiation & Settlement
L&G professionally negotiates claim values to ensure payments reflect the actual loss value. - Claim Closure & Review
After the claim is completed, L&G creates an evaluation report to prevent the same mistakes from happening again in the next project.
L&G Client Testimonials in Bekasi
“We were working on an industrial area infrastructure project in Bekasi. When our steel structure collapsed, the claims process was very complicated. Luckily, we had L&G’s help—everything was resolved within 2.5 months.”
— Operations Director, PT. Delta Construction
“Previously, we thought brokers were just intermediaries. But L&G proved to be a lifesaver when our claim was about to fail.”
— Project Manager, PT. Cikarang Steel Structure
Conclusion: Slow Claims Are Not Fate, But A Faulty System
Slow construction insurance claims are not bad luck, but rather the result of a system that is not in your favor as a client.
Without professional assistance, you are faced with legal language, bureaucratic procedures, and unilateral interpretations from the insurer.
Insurance brokers like PT. Liberty and General Insurance Broker (L&G) are here to change that situation.
With extensive experience, a team of experts, and a strong reputation in the construction sector, L&G ensures that every project in Bekasi gets:
- True protection,
- Fast claims process,
- And fair results.
Don’t let projects stall due to stalled claims.
Make sure you work with a partner who is on your side, not an insurance company.
🔹Are you experiencing unfinished project claims?
🔹Or want to make sure your CAR/EAR policy is correct?
Contact PT. Liberty and General Insurance Broker (L&G) today.
We are ready to help you review your policy, prepare claim documents, and expedite the payment process at no additional cost.
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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 — The Trusted Partner for Construction Risk in Bekasi and Beyond.
