{"id":9238,"date":"2025-11-27T15:58:12","date_gmt":"2025-11-27T08:58:12","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9238"},"modified":"2025-11-27T15:58:12","modified_gmt":"2025-11-27T08:58:12","slug":"mengapa-risiko-klaim-miliaran-mengintai-jika-tidak-gunakan-broker-asuransi-resmi","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/mengapa-risiko-klaim-miliaran-mengintai-jika-tidak-gunakan-broker-asuransi-resmi\/","title":{"rendered":"Why Do You Risk Billions in Claims If You Don’t Use an Authorized Insurance Broker?"},"content":{"rendered":"

Every step in the business and industrial world involves significant financial risk. For companies operating in the construction, mining, oil and gas, or manufacturing sectors, the risk of claims is no longer measured in millions, but in billions of rupiah. These billion-dollar losses can arise from factory fires, heavy equipment damage, and even third-party lawsuits.<\/span><\/p>\n

Ironically, many companies take their biggest risk at the insurance policy purchase stage, choosing the direct insurer route without the assistance of an insurance broker. Insurance brokers aren’t just intermediaries; they’re your first line of defense in ensuring your policy actually works when a major insurance claim occurs. We, L&G Insurance Broker, located in South Tangerang, are here to turn that risk into definitive protection.<\/span><\/p>\n

The risk of billions in claims is inevitable in heavy industry. Companies that don’t use insurance brokers are vulnerable to claim denials due to flawed policy wording, underinsurance, and weak risk allocation. Insurance brokers are independent experts who act asadvocateClients, ensuring policies are designed to resist insurance claims denials and are backed by robust reinsurance. Protecting your business from billions in losses is a strategic investment.Therefore, don’t let your risks go unmanaged professionally <\/span>Contact <\/span>L&G Insurance Broker<\/span><\/a> now in <\/span>08118507773<\/span><\/a> for consultation with our experts.<\/span><\/p>\n

A Real Threat in Every Industry<\/b><\/h3>\n

Insurance claims at the industry level are always complex because they involve large (multi-billion) insured amounts, extensive damage, and multiple parties (surveyors, loss adjusters, reinsurers).<\/span><\/p>\n

Billions in Claims Lurk:<\/span><\/p>\n

    \n
  1. Construction Sector: Claims for structural damage (CAR\/EAR), project delays, or legal liability (TPL) resulting from workplace accidents often reach tens of billions of rupiah. Policies must cover earthquake and design risks.<\/span><\/li>\n
  2. Mining & Energy Sector: Claims for heavy equipment damage (CPM), fires, or landslides in pit areas can reach Rp 10\u201350 billion. These claims are prone to rejection if the policy does not cover specific geotechnical conditions.<\/span><\/li>\n
  3. Manufacturing Sector: Fire losses to factories and machinery (PAR) plus operational losses (Business Interruption) are often claimed risks that destroy cash flow.<\/span><\/li>\n<\/ol>\n

    Without an expert Insurance Broker, the company does not have an objective risk analysis to ensure all these risks are covered in the policy wording purchased.<\/span><\/p>\n

    The Consequences of Billions in Losses Without an Insurance Broker<\/b><\/h3>\n

    Losses of billions without an Insurance Broker have a direct impact on your business:<\/span><\/p>\n

      \n
    1. Financial Liquidation: Large claims can liquidate a company’s cash flow if insurance refuses to pay.<\/span><\/li>\n
    2. Damaged Reputation: Failure to manage insurance risks and claims damages reputation in the eyes of investors, principals, and contract partners.<\/span><\/li>\n
    3. Law and Sanctions: Policies with defective wording violate risk governance standards and can potentially trigger OJK sanctions.<\/span><\/li>\n<\/ol>\n

      Top Reasons for Large Insurance Claim Denials (Wording Gap)<\/b><\/h3>\n

      The most common mistake that causes billions in losses is underinsurance. Insurance brokers ensure that the sum insured reflects the true value of the assets.<\/span><\/p>\n

      What is underinsurance? The insurance value stated in the policy is lower than the actual value of the asset.<\/span><\/p>\n