{"id":8949,"date":"2025-11-04T16:55:04","date_gmt":"2025-11-04T09:55:04","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8949"},"modified":"2025-11-04T16:55:04","modified_gmt":"2025-11-04T09:55:04","slug":"sudah-punya-asuransi-tapi-saat-musibah-klaim-tak-cair-pelaku-usaha-di-bogor-harus-tahu-penyebabnya","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/sudah-punya-asuransi-tapi-saat-musibah-klaim-tak-cair-pelaku-usaha-di-bogor-harus-tahu-penyebabnya\/","title":{"rendered":"Have insurance, but your claim isn’t paid out when disaster strikes? Businesses in Bogor need to understand why!"},"content":{"rendered":"

<\/p>\n

When Premiums Are Paid, But Claims Are Not Paid<\/span><\/h3>\n

Many business owners in Bogor, whether they have factories in Gunung Putri, shophouses in Cibinong, warehouses in Sentul, or resorts in Puncak, complain with similar sentences:<\/span><\/p>\n

\u201cYou’ve been paying premiums for years, but when disaster strikes, your claim is made difficult or even rejected!\u201d<\/span><\/i><\/p>\n

Cases like this aren’t uncommon. From factory fires and floods destroying warehouses to logistics trucks lost in transit, business owners are often left stressed when faced with the complex insurance claims process.<\/span><\/p>\n

This problem isn’t simply due to insurance companies’ unwillingness to pay, but rather a mismatch between the actual needs of the business and the terms of the purchased policy. This is where the role of PT. Liberty and General Insurance Broker (L&G Insurance Broker) becomes crucial\u2014not just selling policies, but also acting as a risk advisor and claims advocate who advocates for the client’s interests.<\/span><\/p>\n

The Plastic Factory in Gunung Putri Claims It Hasn’t Disbursed Liquid Water<\/span><\/h3>\n

Let’s start with a true story from the Gunung Putri area, Bogor Regency.<\/span><\/p>\n

A medium-sized plastics factory experienced a major fire in its production area overnight. Losses are estimated at Rp 12 billion. The owner was confident everything was safe because he had fire insurance from a major company.<\/span><\/p>\n

But when the claims team arrived, the final results were surprising:<\/span>
\n<\/span>claim rejected.<\/span><\/p>\n

The reason?<\/span><\/p>\n

    \n
  • The insurance value turned out to be far below the actual value (<\/span>underinsured<\/span><\/i>).<\/span><\/li>\n
  • The policy does not cover damage due to short circuits, even though that is the main cause of fires.<\/span><\/li>\n
  • There are no electrical equipment maintenance reports as evidence that the company is following safety procedures.<\/span><\/li>\n<\/ul>\n

     <\/p>\n

    The factory owner felt betrayed. “If this is how it’s going to be, why should I pay the premium every year?” he complained.<\/span><\/p>\n

    Problems like this often occur because insurance policies are purchased without in-depth risk analysis and without professional assistance.<\/span><\/p>\n

    Why Are Insurance Claims in Bogor Often Rejected?<\/span><\/h3>\n

    As a growing industrial and commercial area, Bogor has thousands of businesses \u2014 from food factories, logistics companies, building contractors, to tourist resorts in Puncak.<\/span>
    \n<\/span>However, many people still rely on purchasing insurance directly without understanding the details of the coverage. Here are five main reasons why claims often go wrong:<\/span><\/p>\n

      \n
    1. Police are not in tune with the real risks<\/b><\/li>\n<\/ol>\n

      Many companies just take the \u201cstandard package\u201d without adjusting to the conditions on the ground.<\/span>
      \n<\/span>For example: a factory that operates with heavy machinery but only purchases a basic fire policy without additional machinery or business interruption risks (<\/span>Machinery Breakdown \/ Business Interruption<\/span><\/i>).<\/span><\/p>\n

      As a result, when machines break down or production stops, huge losses are not guaranteed.<\/span><\/p>\n

        \n
      1. Unrealistic Insurance Value (Underinsurance)<\/b><\/li>\n<\/ol>\n

        This is a classic mistake. Many business owners choose low coverage levels for cheaper premiums.<\/span>
        \n<\/span>In fact, when a claim occurs, the insurance company will calculate pro rata, only paying a small portion of the loss value.<\/span><\/p>\n

        Example:<\/span>
        \n<\/span>Assets worth Rp 10 billion are only insured for Rp 5 billion.<\/span>
        \n<\/span>When a fire damaged assets worth Rp 4 billion, the claim paid was only around Rp 2 billion.<\/span><\/p>\n

          \n
        1. No Assistance During Claims<\/b><\/li>\n<\/ol>\n

          When disaster strikes, many entrepreneurs don’t know the right steps:<\/span><\/p>\n