{"id":4340,"date":"2022-06-27T08:06:31","date_gmt":"2022-06-27T01:06:31","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=4340"},"modified":"2022-06-27T09:20:37","modified_gmt":"2022-06-27T02:20:37","slug":"resiko-proyek-wet-risk-tinggi-siapa-takut","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/resiko-proyek-wet-risk-tinggi-siapa-takut\/","title":{"rendered":"How high is the risk of a wet construction project?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"http:\/\/ligaasuransi.com\">Liga Asuransi<\/a> &#8211; Dear readers, how are you? Let&#8217;s continue our discussion on risk management and insurance. This time we will be discussing the wet risks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Literally, wet risk translates as wet work. This relates to construction work where there is dry work and wet work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of such a high risk, many underwriters from insurance companies are somewhat reluctant when offered to cover the projects that have a wet element of risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a senior <b><a href=\"http:\/\/lngrisk.co.id\" target=\"_blank\" rel=\"noopener\">insurance broker<\/a><\/b>, I would like to discuss this in detail. If you are interested, please share it with your colleagues so that they also understand like you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our experience, if we can explain the actual condition of the project, starting from the design, planning consultants, field conditions, parties involved, the use of tools, and experience from the contractor then the insurance company will be interested.<\/span><\/p>\n<p><b>Definition of Wet Risk<\/b><\/p>\n<p><span style=\"font-weight: 400;\">According to legal experts, the definition of wet risk is as follows:<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Wet Risk is any occupation in which more than fifteen (15) percent of its value is in, below, or above the water or under any tidal watermark.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">The term should include contracts for the construction of docks, marinas, causeways, breakwaters, piers, dry docks, and offshore pipelines when directly connected to facilities on the coast and the development of canals. Wet Risk Contracts do not include Offshore Contracts.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">The Wet risk insurance industry is also grouped into &#8220;marine works&#8221; which include the following jobs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">breakwater construction (offshore)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">dock (maritime) \u2013 impounded and dry docks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">harbor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jetty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pier<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wharf<\/span><\/li>\n<\/ul>\n<p><b>Why are Wet Risks scary for insurers?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It is necessary to know that construction work in the water poses a lot of difficulties especially if it is located quite deep places during construction. To avoid risks, the focus is on creating a dry and water-free work environment to work in such a way that structural stability is not disturbed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The technique of making concrete underwater has great challenges. This relates to the work of transport, compaction, quality control, finishing and accuracy must all be done meticulously and successfully in different environments, and it is often difficult.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please be aware that currently the techniques that are widely used for wet risks work are Caissons and cofferdams.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caisson is a retainer, a waterproof structure for example, for working on the foundations of docks, bridges, for the construction of concrete dams, or for the construction of ship repair yards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caissons are introduced into the water to remove water and semi-fluid materials during the foundation excavation process, which subsequently become an integral part of the substructure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cofferdams are enclosures built within the water environment allowing water to be displaced with the aim of creating a dry working environment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This technique is generally used for construction and repair work on oil platforms, and bridge and dam work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A cofferdam is usually a welded steel structure that is temporary in nature, dismantled after the work is completed. Its components consist of sheet piles, welsh, and cross braces.<\/span><\/p>\n<p><b>Understanding the caisson Method<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The way the caisson method works is by moving the load exerted by the building structure to a solid and deeper layer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caisson&#8217;s foundation is most often used for bridge foundations, but it is sometimes used in the construction of buildings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caissons are usually made of reinforced concrete with various forms of cross-section, depending on the need. It is built with the aim that water could be pumped out and keep the working environment dry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The size of the outer wall of the caisson is large enough and should have a thickness of at least 1 meter, and the caissons should have rigid walls horizontally and vertically.<\/span><\/p>\n<p><b>Understanding how Cofferdam works<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A cofferdam is a temporary structure designed to keep water and\/or soil out of excavations on which docks, bridges, or other structures are built.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the cofferdam construction work can be done underwater, a cofferdam was built to provide the workers with a dry working environment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cofferdams can be made by installing a sheet around the designated area or by immersing prefabricated structures made of concrete, steel, or a combination of concrete and steel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now the cofferdam is also available in the form of a fabricated steel structure that is lifted to the spot to the work site by an electric-powered crane barge, or a precast concrete structure floated into place and installed at the bottom.<\/span><\/p>\n<p><b>Technical Placement of Underwater Concrete Pier<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The technical requirements of underwater plating include placement methods and techniques, order of placement, the layout of equipment placement, finishing, and concrete protection.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Concrete placement planning should include relevant subject details as well as construction logistics (the relationship between various concrete operations and their relationship with other construction operations)<\/span><\/p>\n<p><b>Understanding Wet risks\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">To understand the risks faced by Wet Risk work, here let&#8217;s look at the risks one by one:<\/span><\/p>\n<p><b>Natural Disasters<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Weather conditions can change rapidly, and it can affect construction work. Most wet risk work whether at sea, river, or lake must be done using ships such as dredges, towing boats, and tugboats.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If suddenly bad weather comes, all construction ships must be towed to shelters, and work is forced to stop. This can lead to delays in critical activities, so bad weather will be one of the main risks faced by contractors.<\/span><\/p>\n<p><b>Accidents for workers\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A diver in a project in a sea, river, or lake is very important since only a diver can describe the situation underwater. As a result, their duties are so dangerous that the cost of insurance is very high.<\/span><\/p>\n<p><b>Design<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Perfect communication between the designer and the contractor greatly influences the success in the construction of projects in particular Wet Risk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The delay in providing information to the contractor is the most controversial and interesting mistake to note that the larger the scale of the project, the more likely the construction delay occurs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, engineers also instruct many different instructions the contractor. This affects the planned construction progress of the pre-contract stage.<\/span><\/p>\n<p><b>Construction Work<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Large projects including wet risk will usually involve subcontractors in almost all parts of the project.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is also necessary to know that the subcontracting system often causes many serious problems that lead to over-time of the project such as insufficient labor supply.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is because subcontractors usually allocate their human resources to different projects to maximize their profits. since the work has been handed over to them, the prime contractor has no authority to influence the policies of the subcontractors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, there is a possibility that the quality of manpower placed in wet risks projects is inadequate, causing accidents.<\/span><\/p>\n<p><b>What are the risks of wet risks?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Although contractors and subcontractors are trying to reduce the level of risk, there is still the potential for risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following are the factors that cause the risk:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Late information or instructions presented by engineers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underwater conditions differ from tender assumptions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Very bad weather conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lack of technical experience.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unavailability of materials, machinery, or labor.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Almost all projects find the underwater situation different from the assumption of tender documents. Before the project tender, the contractor is supposed to predict the underwater conditions around the area.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The occurrence of physical risks, for example, damage to equipment and labor injuries, is mainly caused by the carelessness of workers, which can actually be controlled by training and development.\u00a0<\/span><\/p>\n<p><b>Risk mitigation techniques<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Here are some risk mitigation techniques that need to be done:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coordinate closely with other parties<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide strict supervision to subordinates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refers to previous experience<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adopt quantitative risk analysis<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adopt subjective judgments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecting the latest information<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer or share risks with others<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Planning alternative methods<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide appropriate training for workers<\/span><\/li>\n<\/ol>\n<p><b>Risk improvement recommendations<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some suggested recommendations to reduce possible risks and improve the situation if risks are encountered for risk projects in the sea, river, or lake:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hiring experienced employees for the project<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To communicate with other project parties through regular meetings to ensure the project is running well<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To conduct a risk assessment at the initial project stage by providing comprehensive methods for solving different risk situations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To provide preliminary planning at the initial project stage in checking the possible risks that may be encountered.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To provide training and development programs to employees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To collect up-to-date information before the project starts.<\/span><\/li>\n<\/ol>\n<p><b>Things that an Underwriter needs to consider\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For each potential risk that can occur, the underwriter needs to consider the following:<\/span><\/p>\n<p><b>Natural Hazards and Fire Hazards<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Construction work is generally related to natural earth conditions, such as deep valleys, rivers, lakes, and even parts of the sea, or those that have geological or topographical conditions that demand special attention.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By their nature, buildings under construction are very vulnerable to various natural hazards. For example, the construction of bridges under construction can be affected by floods, earthquakes, hurricanes, landslides, and even lightning.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As we already know from the construction of roads, the construction work of bridges with the most important natural hazards is related to the frequency with which floods occur.<\/span><\/p>\n<p><b>Lightning\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Perhaps the risk of lightning is not the main risk. However, new materials, such as carbon fiber, and copper that can be used in cables for construction, require special measures that take into account the properties of the material. Adequate Lightning protection installations installed in any case should be implemented.<\/span><\/p>\n<p><b>Fire<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Wooden formwork and temporary work are still widely used in building construction. This indicates a significant risk of fire.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Particular attention should be paid when welding or cutting for steel reinforcement is carried out. Because the steel reinforcement that is usually very dense and hot is almost impossible to extinguish immediately unless there is adequate standby fire extinguishing equipment.\u00a0<\/span><\/p>\n<p><b>Wrong Design, Material, and Workmanship<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The shape of buildings can vary from simple structures to some of the most advanced structures in civil engineering. Therefore, the risks involved in the design will also be enormous.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The design of the building must meet the main requirements:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The overall budget is available<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Durability and life span of the building<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Architectural and aesthetic functions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Location geometry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suitability for its use e.g., for vehicle bridges, railway bridges, docks, dams etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Soil and sea\/river\/lake conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Building Construction is limited by:<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Time available to complete the structure<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is the role of the designer to find the optimal solution, considering all of the above.<\/span><\/p>\n<p><b>Aspects of Third-Party Liability<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sometimes the buildings are under construction across the river channel. For such projects, the request for expansion of coverage to include TPL coverage is very common, and the amount normally required per event tends to be moderate to large, i.e., between US$5 Million to S 20 million.\u00a0<\/span><\/p>\n<p><b>Contractors Plant and Equipment (CPE)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the nature of the construction work, a wide range of mobile machines and stationary mills are used. Soil and rock shifting equipment, pole and drill drive machines, stationary and mobile cranes, concrete mixers, scaffolding, tools, temporary houses, offices, warehouses, and workshops, etc.<\/span><\/p>\n<p><b>Why for Wet Risk construction insurance you should use the services of an Insurance Broker?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The construction of wet risks is not an easy and high-risk job. Not many insurance companies are willing to provide insurance coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It requires extensive insurance knowledge and experience in engineering insurance and knowledge of risk management so that insurance coverage is maximized.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best way to arrange insurance for the construction of wet risks is to always use the services of an official insurance brokerage company registered with the Financial Services Authority (OJK).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers design insurance programs that best suit your project&#8217;s risk conditions. Find an insurance company that can cover the risk with competitive premium rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An important benefit of using the services of an insurance brokerage firm is that you will get help in resolving claims for free. The insurance broker also acts as your advocate for the settlement of insurance claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the <a href=\"http:\/\/lngrisk.co.id\" target=\"_blank\" rel=\"noopener\">insurance brokers<\/a> companies with extensive experience in the field of construction insurance in Indonesia is <a href=\"http:\/\/lngrisk.co.id\" target=\"_blank\" rel=\"noopener\"><strong>L&amp;G Insurance Broker<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For all your project insurance needs, please contact <em><strong>L&amp;G<\/strong><\/em> now!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sources:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/multipilarenergi.net\/2021\/04\/20\/apakah-wet-risk-menakutkan-asuransire\/\"><span style=\"font-weight: 400;\">https:\/\/multipilarenergi.net\/2021\/04\/20\/apakah-wet-risk-menakutkan-asuransire\/<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.lawinsider.com\/dictionary\/wet-risks\"><span style=\"font-weight: 400;\">https:\/\/www.lawinsider.com\/dictionary\/wet-risks<\/span><\/a><\/li>\n<\/ul>\n<h3>\u2014<br \/>\nLooking for Insurance Products? Don&#8217;t Waste Your Time and Contact Us Right Now<\/h3>\n<h4>L&amp;G HOTLINE 24 HOURS: <a href=\"https:\/\/web.whatsapp.com\/send?phone=628118507773\">0811-8507-773<\/a> (Call &#8211; Whatsapp &#8211; SMS)<\/h4>\n<p>website: lngrisk.co.id<\/p>\n<p>E-mail: customer.support@lngrisk.co.id<\/p>\n<p>&#8212;<\/p>","protected":false},"excerpt":{"rendered":"<p>Liga Asuransi &#8211; Dear readers, how are you? Let&#8217;s continue our discussion on risk management and insurance. This time we will be discussing the wet risks. Literally, wet risk translates as wet work. This relates to construction work where there is dry work and wet work. Because of such a high risk, many underwriters from [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[607,37],"tags":[657,656,655,658],"class_list":{"0":"post-4340","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-industri-konstruksi","8":"category-risk-recommendation","9":"tag-pembangunan-jembatan","10":"tag-pembangunan-jetty","11":"tag-pembangunan-pelabuhan","12":"tag-wet-risk-construction"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=4340"}],"version-history":[{"count":3,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4340\/revisions"}],"predecessor-version":[{"id":4344,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4340\/revisions\/4344"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/4341"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=4340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=4340"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=4340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}