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East Kalimantan is currently one of Indonesia’s largest construction hubs. Balikpapan and Samarinda are two key hubs supporting various major projects\u2014from the Pertamina RU V Balikpapan oil refinery, the Balikpapan\u2013Samarinda (Balsam) toll road project, the Kariangau port development, to housing, industrial estates, and renewable energy projects.<\/span><\/p>\n Each of these projects involves investments worth hundreds of billions to trillions of rupiah, hundreds of workers, and high-tech heavy equipment. But behind this enthusiasm for development, one aspect is often overlooked: the significant risks at every stage of a construction project.<\/span><\/p>\n Losses due to fire, heavy equipment damage, work accidents, or structural failure can halt a project and create a large financial burden for both the contractor and the project owner.<\/span><\/p>\n This is where the importance of proper risk management and insurance protection lies, under the guidance of a professional insurance broker such as PT Liberty and General Insurance Broker (L&G).<\/span><\/p>\n <\/p>\n Every construction project carries different risks depending on the location, type of work, and field conditions. Here are some typical risks that frequently occur in projects in East Kalimantan:<\/span><\/p>\n Large projects such as the Balikpapan oil refinery or the construction of an LPG terminal in Kariangau involve work at height, welding, and mechanical installation.<\/span><\/p>\n The risk of serious injury or even death to workers can occur at any time, especially if safety standards (HSE) are not optimal.<\/span><\/p>\n Accidents like these can result in financial losses, project schedule disruptions, and legal liability for workers.<\/span><\/p>\n Balikpapan is known as a hub for heavy equipment suppliers in Eastern Indonesia. Many construction projects utilize cranes, excavators, and large-capacity lifting equipment.<\/span><\/p>\n Damage due to operator error, landslides, or accidents in the work area can result in project downtime and high repair costs.<\/span><\/p>\n Projects related to oil and gas, such as the Pertamina RU V Balikpapan RDMP Project, have a high risk of fire.<\/span><\/p>\n A small fire can escalate into a major incident and result in material losses and project shutdowns.<\/span><\/p>\n East Kalimantan is not prone to major earthquakes, but high rainfall and soft soil conditions can cause landslides, flooding, and damage to project foundations.<\/span><\/p>\n This often happens in the areas around Samarinda, Muara Badak, or Tenggarong.<\/span><\/p>\n Projects in densely populated areas or near public facilities risk damaging the property of local residents.<\/span><\/p>\n For example, vibrations from heavy equipment cause cracks in people’s houses, or project dust disrupts surrounding activities.<\/span><\/p>\n These things can lead to expensive lawsuits if not insured.<\/span><\/p>\n <\/p>\n In 2023, a gas pipeline installation project in the West Balikpapan area experienced a work accident when a crane overturned due to unstable ground.<\/span><\/p>\n One unit of heavy equipment worth Rp 4 billion was completely damaged, and work was delayed for two weeks.<\/span><\/p>\n Fortunately, the contractor already had a Contractor\u2019s All Risks (CAR) and Third Party Liability (TPL) policy arranged through PT Liberty and General Insurance Broker (L&G).<\/span><\/p>\n Claims are fully approved after a technical verification process and payment is made within two months.<\/span><\/p>\n The important lesson from this case is: insurance is not just a project formality, but a guarantee of business continuity.<\/span><\/p>\n <\/p>\n The following are the main types of insurance that every construction project actor in East Kalimantan must have:<\/span><\/p>\n Protecting construction projects from the risk of physical damage such as fire, material theft, heavy equipment accidents, or natural disasters.<\/span><\/p>\n This policy coverage typically includes the project value, debris removal costs, and protection for temporary equipment.<\/span><\/p>\n Especially for projects involving the installation of machines or electrical systems, such as power plant projects, factories, and oil and gas installations.<\/span><\/p>\n Guarantees legal liability to third parties who are harmed by project activities \u2014 such as damage to surrounding buildings, injury to people, or environmental pollution.<\/span><\/p>\n Providing compensation to workers who experience work accidents or die.<\/span><\/p>\n This policy is very important for projects with large workforces, especially in the oil and gas and infrastructure fields.<\/span><\/p>\n Protect heavy equipment and project equipment from damage, overturning, or fire.<\/span><\/p>\n Very relevant in Balikpapan, a city that is the national center of heavy equipment trade.<\/span><\/p>\n Guaranteeing project consultants, architects and engineers from lawsuits due to design errors or technical calculations.<\/span><\/p>\n <\/p>\n Purchasing an insurance policy directly from an insurance company often leads to problems later on \u2014 especially when it comes to claims.<\/span><\/p>\n Many contractors in Balikpapan have complained that their claims were rejected or partially paid, simply because the policy wording did not match the risks in the field.<\/span><\/p>\n This is where professional insurance brokers like PT Liberty and General Insurance Broker (L&G) play an important role.<\/span><\/p>\n Here are the real benefits of using a broker:<\/span><\/p>\n L&G thoroughly assesses the project location, type of work and potential risks.<\/span><\/p>\n They ensure that all major risks are covered, including the risk of flooding or unstable soil which often occurs in the Samarinda\u2013Tenggarong area.<\/span><\/p>\n The broker drafts the policy wording according to the project’s needs, adding important clauses such as:<\/span><\/p>\n <\/p>\n As a professional intermediary, L&G negotiates with several national and international insurance companies to obtain competitive premiums with the most comprehensive terms.<\/span><\/p>\n L&G accompanies the claims process from investigation to payment.<\/span><\/p>\n Their claims team’s expertise ensures that customers are not disadvantaged due to differences in policy interpretation.<\/span><\/p>\n Now, L&G provides digital claims reporting and consulting services \u2014 a great help for projects located far from Balikpapan, such as in Sangatta or Muara Wahau.<\/span><\/p>\n <\/p>\n One real example comes from the energy warehouse construction project in the Kariangau Industrial Area.<\/span><\/p>\n During the casting process, heavy rain caused a small landslide and damage to the temporary wall.<\/span><\/p>\n The value of the damage reached more than IDR 1.2 billion.<\/span><\/p>\n However, thanks to the CAR + TPL policy arranged by L&G, the contractor received full compensation and was able to continue work without major disruption.<\/span><\/p>\n Brokers help prepare reports, coordinate with loss adjusters, and negotiate with insurance companies to ensure claims are approved quickly.<\/span><\/p>\n <\/p>\n Many new contractors assume insurance is only necessary once a project is underway. However, risks arise during the design and equipment mobilization phase.<\/span><\/p>\n By involving brokers from the start, companies can:<\/span><\/p>\n L&G even provides risk assessment services before the project starts, so that all risks can be identified and controlled systematically.<\/span><\/p>\n <\/p>\n East Kalimantan is heading towards a new era of massive development in the energy, infrastructure and industrial sectors.<\/span><\/p>\n However, sustainable development can only be guaranteed if all parties\u2014contractors, project owners, and local governments\u2014prioritize risk management and insurance.<\/span><\/p>\n Brokers such as PT Liberty and General Insurance Broker (L&G) act as strategic partners to ensure every project runs safely, efficiently, and is protected from major losses.<\/span><\/p>\n With extensive experience in Engineering & Construction Insurance, L&G has supported various strategic projects in East Kalimantan \u2014 from Balikpapan to Bontang, from ports to power plants.<\/span><\/p>\n <\/p>\n Construction and infrastructure are the backbone of East Kalimantan’s development. However, without sound risk management and proper insurance coverage, a single incident can halt a project and destroy a company’s reputation.<\/span><\/p>\n With the support of PT Liberty and General Insurance Broker (L&G), every contractor and project owner can feel secure because they have comprehensive protection, fast claims assistance, and professional consultation.<\/span><\/p>\n Now, with the convenience of technology, L&G is ready to provide the best service not only for projects in Balikpapan, but also for the entire East Kalimantan region.<\/span><\/p>\nMajor Risks in the Construction World of East Kalimantan<\/span><\/h3>\n
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Real Case Example: Accidents in Energy Projects<\/span><\/h3>\n
Types of Mandatory Insurance in Construction Projects<\/span><\/h3>\n
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The Strategic Role of Insurance Brokers in Construction Projects<\/span><\/h3>\n
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Case Study: Energy Warehouse Development Project in Kariangau<\/span><\/h3>\n
The Importance of Risk Management from the Beginning of a Project<\/span><\/h3>\n
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Building a Safe and Resilient Construction Culture<\/span><\/h3>\n
Conclusion: Building Safely, Moving Forward with Protection<\/span><\/h3>\n