{"id":8996,"date":"2025-11-07T15:37:47","date_gmt":"2025-11-07T08:37:47","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8996"},"modified":"2025-11-07T15:37:47","modified_gmt":"2025-11-07T08:37:47","slug":"kerugian-besar-saat-proyek-konstruksi-terhenti-di-bandung-siapa-yang-menanggung","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/kerugian-besar-saat-proyek-konstruksi-terhenti-di-bandung-siapa-yang-menanggung\/","title":{"rendered":"Huge Losses as Construction Projects Halt in Bandung: Who Bears the Cost?"},"content":{"rendered":"

<\/p>\n

Construction Project Explosion in Greater Bandung<\/span><\/h3>\n

Greater Bandung \u2014 encompassing Bandung City, Bandung Regency, and Cimahi \u2014 is now a center for infrastructure development and new industrial areas.<\/span>
\n<\/span>From housing projectscommercialIn Gedebage, hotel construction in Lembang, to the new factory in Rancaekek, construction activity has increased sharply.<\/span><\/p>\n

However, behind this excitement, many contractors and project owners in Bandung experienced huge losses when projects suddenly stopped \u2014 whether due to work accidents, heavy equipment damage, extreme weather, or fire.<\/span><\/p>\n

Even more ironic, many of them already have construction insurance, but when claims are filed, the results are disappointing:<\/span><\/p>\n

\u201cSorry, this risk is not covered by your policy.\u201d<\/span><\/p>\n

This is one of the most common frustrations among Bandung contractors \u2014 and also the reason why more and more companies are now partnering with PT. Liberty and General Insurance Broker (L&G) to handle all their project insurance matters.<\/span><\/p>\n

Logistics Warehouse Project in Soreang Halted Completely<\/span><\/h3>\n

Take PT. Bina Maju Konstruksi, a local contractor currently working on a 5,000 m\u00b2 logistics warehouse construction project in the Soreang area of \u200b\u200bBandung Regency.<\/span><\/p>\n

In the third week of work, extreme weather accompanied by strong winds hit. Part of the incompletely assembled steel frame collapsed, crushing the scaffolding and heavy equipment below.<\/span>
\n<\/span>Severe damage occurred to the crane and steel materials, while workers had to stop work for almost two full weeks.<\/span><\/p>\n

Material losses reached IDR 1.1 billion, not including delay costs and penalties from the project owner.<\/span>
\n<\/span>However, when PT. Bina Maju Konstruksi submitted a claim to the insurance company, they received a surprising answer:<\/span><\/p>\n

\u201cLosses due to strong winds are not covered as they are not included in the standard CAR\/EAR policy clause.\u201d<\/span><\/p>\n

It turns out that the contractor only purchased a policy with basic coverage \u2014 Contractor\u2019s All Risks (CAR) without any extensions for<\/span>storm, flood, and windstorm risks.<\/span><\/i>
\n<\/span>They don’t know that the additional clause must be specifically requested.<\/span><\/p>\n

Common Mistakes Contractors in Bandung Make in Managing Project Insurance<\/span><\/h3>\n

L&G has helped many construction companies in Bandung facing similar challenges. Based on that experience, there are several common mistakes that often lead to losses:<\/span><\/p>\n

    \n
  1. Not Understanding the Actual Coverage of a CAR\/EAR Policy<\/b><\/li>\n<\/ol>\n

    Many contractors assume that \u201cAll Risks\u201d means all risks are covered.<\/span>
    \n<\/span>However, CAR\/EAR policies have limitations, and some risks such as floods, strong winds, landslides, or design errors are not automatically covered.<\/span><\/p>\n

      \n
    1. Purchasing a Policy is Just a Formality for Tender Requirements<\/b><\/li>\n<\/ol>\n

      Many government and private projects require insurance, but contractors only purchase policies for administrative purposes, not for real protection.<\/span>
      \n<\/span>As a result, they choose the cheapest premium without knowing what they are sacrificing in the guarantee.<\/span><\/p>\n

        \n
      1. No Coordination Between Contractor and Project Owner<\/b><\/li>\n<\/ol>\n

        In some cases, project owners purchase their own policies without informing the contractor of the details, so that when an incident occurs, it is unclear who is actually covered.<\/span><\/p>\n

          \n
        1. Not Including the Risk of Delay in Start-Up (DSU)<\/b><\/li>\n<\/ol>\n

          Project delays can result in significant financial losses, especially if the project is commercially oriented.<\/span>
          \n<\/span>However, most contractors in Bandung do not add a DSU clause, so time losses cannot be claimed.<\/span><\/p>\n

            \n
          1. Not Using an Insurance Broker<\/b><\/li>\n<\/ol>\n

            This is the biggest mistake.<\/span>
            \n<\/span>Without professional assistance, contractors often don’t know what they’re buying, don’t know how to file a claim, and have no bargaining power with insurance companies.<\/span><\/p>\n

            Another Case Study: A Hotel Project in Dago Suffers a Fire<\/span><\/h3>\n

            A four-star hotel construction project in Dago experienced a small fire in the material storage room.<\/span>
            \n<\/span>Cause: short circuit from temporary cable.<\/span>
            \n<\/span>Damage to building materials and equipment reached around Rp. 700 million.<\/span><\/p>\n

            However, their claim was only paid Rp. 300 million.<\/span>
            \n<\/span>The reason is that insurance only covers damage to building structures that are 50% complete, while the remaining materials are not considered \u201con site construction.\u201d<\/span><\/p>\n

            The contractor was deeply disappointed. Following the incident, they sought a professional solution and ultimately partnered with PT. Liberty and General Insurance Broker (L&G).<\/span>
            \n<\/span>L&G conducted a full audit of all their policies and found:<\/span><\/p>\n