{"id":9036,"date":"2025-11-11T17:20:33","date_gmt":"2025-11-11T10:20:33","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9036"},"modified":"2025-11-11T17:20:33","modified_gmt":"2025-11-11T10:20:33","slug":"mengapa-perusahaan-di-kawasan-industri-wajib-memiliki-perlindungan-asuransi-yang-tepat","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/mengapa-perusahaan-di-kawasan-industri-wajib-memiliki-perlindungan-asuransi-yang-tepat\/","title":{"rendered":"Why Do Companies in Industrial Estates Need Proper Insurance Coverage?"},"content":{"rendered":"

The growth of industrial estates and Special Economic Zones (SEZs) in Indonesia has accelerated over the past two decades. Areas such as Jababeka, KIIC, Batamindo, Gresik, Kendal, and Sei Mangkei have now become national production and export hubs. Thousands of companies operate there, with investments worth trillions of rupiah.<\/span><\/p>\n

However, behind this enormous potential lies a variety of business risks that can threaten a company’s sustainability if not managed properly. Factory fires, floods, machine breakdowns, workplace accidents, or lawsuits from third parties can all result in enormous financial losses.<\/span><\/p>\n

In this context, L&G Insurance Broker, as an independent and OJK-licensed insurance broker, plays a role in helping companies in industrial areas to have appropriate, comprehensive, and efficient insurance protection.<\/span><\/p>\n

Many companies still purchase insurance simply to meet administrative requirements, without adequate risk analysis. As a result, when a major claim occurs, they don’t receive the compensation they deserve. This is where the role of an L&G Insurance Broker becomes crucial\u2014not just as a policy broker, but as a professional risk advisor who fully protects the insured’s interests.<\/span><\/p>\n

Risks Faced by Companies in Industrial Areas<\/span><\/h3>\n

Industrial areas are synonymous with technology-intensive activities, human resources, and heavy equipment. Each of these activities carries different risks, including:<\/span><\/p>\n

    \n
  1. Property Risk<\/span><\/li>\n<\/ol>\n

    Fires, explosions, electrical short circuits, and natural disasters (floods, earthquakes, landslides) can destroy a company’s buildings, warehouses, and vital infrastructure.<\/span><\/p>\n

      \n
    1. Risk of Machine Damage<\/span><\/li>\n<\/ol>\n

      High-value production machines can suddenly fail due to stress, human error, or power outages.<\/span><\/p>\n

        \n
      1. Business Interruption Risk<\/span><\/li>\n<\/ol>\n

        When production stops due to facility damage, companies lose revenue and customers. Business Interruption Insurance protects against this loss of revenue.<\/span><\/p>\n

          \n
        1. Legal and Third Party Risks<\/span><\/li>\n<\/ol>\n

          Chemical leaks, environmental pollution, or accidents involving outside parties can result in major lawsuits against a company.<\/span><\/p>\n

            \n
          1. Shipping and Logistics Risks<\/span><\/li>\n<\/ol>\n

            Goods damaged or lost during shipping, whether by land, sea or air, are a major threat to the industrial supply chain.<\/span><\/p>\n

              \n
            1. Employee Risks<\/span><\/li>\n<\/ol>\n

              Thousands of workers face the potential for workplace accidents. Employment and personal accident insurance represent a company’s moral and legal responsibility.<\/span><\/p>\n

              Common Mistakes Companies Make in Arranging Insurance<\/span><\/h3>\n

              From L&G Insurance Broker’s decades of experience handling industrial clients in various regions, there are several common mistakes that often occur:<\/span><\/p>\n