This article is intended for those of you who are not or have not yet been clients of L&G Insurance Broker, and perhaps your insurance policy is not managed through L&G. We understand that many companies and individuals purchase policies directly from insurance companies or through agents. However, when disaster strikes and a claim is filed, the process is often protracted—and there’s no clarity on when payment will be made.
L&G Insurance Broker frequently receives requests for assistance like this. One notable case involved a Rp 12 billion property insurance claim for a manufacturing company in West Java. The claim had been pending for almost nine months without resolution, despite multiple submissions of documents to the insurance company. After the company sought L&G’s assistance, our team reviewed the claim documents, renegotiated with the insurer, and the claim was finally paid in full in just 45 days.
This case is proof that insurance brokers are not only intermediaries in purchasing policies, but also professional advocates who fight for the interests of the insured so that their rights are received immediately.
Why Many Insurance Claims Never Get Paid Out
Delays in insurance claims processing are nothing new. In many cases, it’s not because the insurance company refuses to pay, but because of administrative obstacles, lack of communication, and differing policy interpretations.
Some common causes of claim delays include:
- The document is incomplete or does not conform to the requested format.
Many insured parties are unaware of the standard claim documentation required by insurance companies. Each type of policy—whether property all risks, marine cargo, or engineering—has a different format and supporting documentation requirements.
- Lack of active follow-up to insurance companies.
After a claim is filed, the insured often simply waits without active communication. Meanwhile, the insurance company typically awaits clarification or additional information, which is not immediately provided.
- There are differences in interpretation of policy clauses.
Many policyholders do not understand the limits of the insurer’s liability and the conditions that are included or excluded from the cover.
- Delay in investigation or appointment of loss adjuster.
For large claims, insurance companies appoint independent loss adjusters. This process can often be lengthy if not properly coordinated.
- Lack of experience in dealing with insurance companies.
Many insured persons are not used to dealing with the formal and technical communications used by insurance companies.
The result? The claims process becomes a never-ending cycle—taking months, even more than a year, with no certainty of when compensation will be received.
The Role of L&G Insurance Brokers in Accelerating the Claims Process
As an insurance broker officially licensed by the Financial Services Authority (OJK), L&G has the authority and expertise to act as the insured’s representative. We are not part of an insurance company, so our position is 100% on the client’s side.
Here’s how L&G speeds up your claims process:
- Audit and Initial Analysis of Claim Documents
The L&G team will review all submitted claim documentation—including the incident report, chronology, evidence of damage, photographs, invoices, and previous communications with the insurance company. We will identify weaknesses, deficiencies, and opportunities to strengthen your claim.
- Develop an Effective Claim Strategy
Not all claims need to be “pushed hard” — some are better resolved through technical and policy legal arguments. The L&G team has specialists from various insurance types (marine, property, engineering, liability, financial risks) who understand the most effective approach for each case.
- Direct Communication with the Insurer and Loss Adjuster
L&G has an extensive network of insurance companies and adjusters both domestically and internationally. We can arrange face-to-face meetings, negotiations, or mediation to expedite the claims decision process.
- Periodic Monitoring and Follow-up
We ensure each claim stage has clear timelines and responsibilities. With our digital reporting system, you can track your claim status transparently and in real time.
- Negotiate Fair Payment
If the investigation results show a lower compensation value than the actual loss, L&G will help prepare counter arguments based on facts, technical reports, and policy provisions so that you get the compensation you deserve.
Benefits of Using Insurance Broker Services Like L&G
For many policyholders, using an insurance broker after experiencing claims issues is the best decision. Here are the real benefits you’ll receive:
✅The claims process is faster and more efficient.
Because L&G knows how the claims system works inside out, we can speed up communication and decision-making processes.
✅Professional support that is on your side.
We act as insurance advocates — not intermediaries for insurance companies.
✅ No need to be a long-time client to get help.
L&G can help anyone, even if your policy was purchased through an agent or directly from the insurance company.
✅Increase the chances of a claim being fully approved.
Many cases that were initially rejected were eventually paid after being handled by L&G.
✅Save time, energy and stress.
You no longer need to deal with bureaucratic processes and tedious negotiations. We’ll take care of everything.
Real Case Example: From Delayed Claim to Full Payment
One of our clients, a heavy equipment distributor, filed a marine cargo insurance claim following a shipping accident. The loss amounted to Rp 8.5 billion, but the claim was delayed for over six months because the insurance company continually requested additional documentation.
After the company appointed L&G, our team conducted a thorough audit and found that all documents met the requirements, but were not arranged in the correct order and format according to insurance procedures. L&G then reorganized the claim file, supplemented the policy’s legal arguments, and communicated directly with the adjuster.
The result? The claim was approved and paid in full within 45 days of approval.
This story shows that a stalled claims process does not necessarily mean your claim is wrong, but is often due to ineffective communication and documentation.
Why You Shouldn’t Wait Until You Become an L&G Client
Many people think that broker assistance is only available to those who purchased the policy through the broker. In fact, OJK regulations allow brokers to assist anyone who needs claims assistance, as long as they have a power of attorney from the insured.
This means you don’t have to be a previous L&G client to get our professional help. We can step in mid-process—whether to fight for an ongoing claim, a denied claim, or a claim that’s been dormant for a while.
L&G Insurance Broker: Your Claims Solution Partner
L&G Insurance Broker has been operating for over 30 years and is recognized as one of the most experienced independent brokers in Indonesia. We have assisted companies across the logistics, energy, manufacturing, construction, and finance sectors in resolving claims worth billions of rupiah.
We believe every policyholder deserves fair and prompt service. When insurance companies are slow, L&G stands as a balance and advocate for your rights.
Cover
Unpaid insurance claims not only hamper cash flow but can also disrupt the stability of your business. Don’t let time and bureaucracy erode your rights. If your claim remains unsolved, contact L&G Insurance Broker now.
We will examine your case at no initial cost, provide an objective analysis, and help you obtain a claim solution that is fast, fair, and in accordance with the terms of the policy.
💼 L&G Insurance Broker – Your Advocate in the World of Insurance.
📞Contact us for claim consultation: info@lngrisk.co.id
HOTLINE L&G 24 JAM: 0811-8507-773 (PHONE – WHATSAPP – SMS)
| 🌐 www.lngrisk.co.id
