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Indonesia is in a crucial phase towards a clean energy transition.<\/span> However, behind the enthusiasm for developing solar power plants \u2014 both in the EPC (Engineering, Procurement, Construction) and operational (Operation & Maintenance) sectors \u2014 there is one major challenge that is often overlooked:<\/span> A slow, incomplete, or improper claims process can hinder system repairs, reduce electricity production, and even threaten business sustainability.<\/span><\/p>\n This is where the role of insurance brokers such as PT Liberty and General Insurance Broker (L&G) becomes very important.<\/span> <\/p>\n Solar power systems, especially those with large capacities or located in industrial areas, involve many parties: project owners, EPC contractors, O&M operators, insurance companies, and other third parties.<\/span><\/p>\n This complexity makes the claims process often complicated and time-consuming.<\/span> Therefore, managing solar power plant claims requires a professional and systematic strategy.<\/span><\/p>\n <\/p>\n In both the construction and operational phases, the risk of loss covered by insurance can give rise to claims in various forms:<\/span><\/p>\n <\/p>\n Insurance brokers must understand this type of claim in order to help clients prepare evidence and reports that comply with the policy provisions.<\/span><\/p>\n <\/p>\n An effective insurance claims process involves 5 main stages, all of which are facilitated by a broker such as L&G Insurance Broker:<\/span><\/p>\n The first step is to report the incident as soon as possible to the insurance company and broker.<\/span> Basic information that must be submitted:<\/span><\/p>\n \ud83d\udd39<\/span> Example:<\/span><\/i> L&G will usually immediately prepare an official notification letter (Notice of Loss) to the insurance company to ensure that the reporting deadline remains safe.<\/span><\/p>\n Brokers help clients collect and prepare supporting documents according to insurance company standards, including:<\/span><\/p>\n \ud83d\udca1<\/span> Notes:<\/span><\/i> The insurance company will appoint an independent loss adjuster to verify the damage and its cause.<\/span> L&G’s role at this stage:<\/span><\/p>\n After the investigation results are out, the broker will compare the loss adjuster’s report with the policy provisions.<\/span> Example intervention broker:<\/span><\/p>\n \u201cDamage to the inverter due to lightning strikes should be covered, because the policy includes an extension.<\/span>Lightning and Power Surge, which<\/span><\/i> applies to the entire PLTS electrical system.”<\/span><\/p>\n With a professional approach, brokers can minimize claim deductions and speed up payment decisions.<\/span><\/p>\n After all documents and evaluations are approved, the insurance company will issue a Letter of Acceptance and make payment according to the agreed value.<\/span><\/p>\n Brokers like L&G ensure payments are received on time and help clients:<\/span><\/p>\n <\/p>\n A 1 MWp solar power plant on the factory roof experienced a minor fire in the inverter due to a power surge.<\/span> Without a broker, the previous project owner had a claim denied because \u201cinternal electrical damage is not covered.\u201d<\/span> As a result, the system was back up and running, and the plant did not lose more than 3 days of productivity.<\/span><\/p>\n <\/p>\n Case 2 \u2013 2 MW Solar Power Plant EPC Project in Sulawesi<\/span><\/p>\n During the construction phase, a solar panel was broken by a forklift while unloading at the port.<\/span> L&G immediately reported the claim to the insurance company that covered Marine Cargo & Erection All Risks (EAR).<\/span> <\/p>\n Brokers like L&G ensure the entire process is carried out according to policy procedures and prudent principles, so the chances of a claim being approved are much greater.<\/span><\/p>\n <\/p>\n L&G is not only an insurance consultant, but also a professional claims manager with experience in energy, EPC and infrastructure projects.<\/span><\/p>\n L&G’s specialized services in claims management:<\/span><\/p>\n With this approach, L&G is able to maintain the project’s reputation and client trust.<\/span><\/p>\n
\n<\/span>The government, through the Ministry of Energy and Mineral Resources, is targeting a solar power plant capacity of 31 GW by 2060, making it the largest renewable energy source in the country.<\/span><\/p>\n
\n<\/span>\ud83d\udc49<\/span>how to handle insurance claims quickly, accurately, and successfully when disaster strikes.<\/span><\/p>\n
\n<\/span>L&G not only helps purchase policies, but also accompanies clients throughout the claims process until payment is successfully received.<\/span><\/p>\nWhy the Solar Power Plant Claim Process is Often a Challenge<\/span><\/h3>\n
\n<\/span>Here are some of the main causes:<\/span><\/p>\n\n
\n<\/span>Many projects lack adequate technical documentation or photos of damage.<\/span><\/li>\n
\n<\/span>For example, fire in the inverter is not covered because it is not listed in the extension clause.<\/span><\/li>\n
\n<\/span>Many claims are rejected because the report was submitted after the deadline (usually 7\u201314 days from the incident).<\/span><\/li>\n
\n<\/span>Claim amounts are difficult to verify without an invoice, technician’s report, or replacement equipment quotation.<\/span><\/li>\n
\n<\/span>Especially if there is no broker to regulate communication between the parties.<\/span><\/li>\n<\/ol>\nCommon Types of Claims in Solar Power Plant Projects and Operations<\/span><\/h3>\n
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\n Claim Type<\/span><\/th>\n Stage Occurs<\/span><\/th>\n Sample case<\/span><\/th>\n<\/tr>\n<\/thead>\n\n \n Klaim Material Damage<\/span><\/td>\n Construction \/ Operation<\/span><\/td>\n Panels break due to strong winds or inverter fire.<\/span><\/td>\n<\/tr>\n \n Klaim Third Party Liability<\/span><\/td>\n Construction \/ Operation<\/span><\/td>\n The worker fell from the roof and landed on neighboring property.<\/span><\/td>\n<\/tr>\n \n Marine Cargo Claims<\/span><\/td>\n Procurement<\/span><\/td>\n The panel was damaged during shipping from overseas.<\/span><\/td>\n<\/tr>\n \n Klaim Machinery Breakdown<\/span><\/td>\n Operational<\/span><\/td>\n The inverter was damaged due to a power surge.<\/span><\/td>\n<\/tr>\n \n Klaim Business Interruption<\/span><\/td>\n Operational<\/span><\/td>\n Electricity production was halted during system repairs.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n Strategic Stages in Solar Power Plant Claim Management<\/span><\/h3>\n
1. Initial Notification<\/span><\/h4>\n
\n<\/span>Ideally within a maximum of 3 days after the incident, even if the value of the loss is not yet known.<\/span><\/p>\n\n
\n<\/span>\u201cOn January 10, 2025, a lightning strike occurred on the rooftop of the ABC factory, causing damage to the main inverter of the 500 kWp solar power plant.\u201d<\/span><\/p>\n2. Collection of Claim Documentation<\/span><\/h4>\n
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\n<\/span>L&G uses LIGASYS’s internal digital system, which allows all claim documents to be uploaded and tracked online \u2014 ensuring transparency and efficiency of the process.<\/span><\/p>\n3. Survey and Investigation (Survey & Adjustment)<\/span><\/h4>\n
\n<\/span>The broker’s job is to accompany the client at this stage to ensure there is no technical miscommunication.<\/span><\/p>\n\n
4. Claim Evaluation & Negotiation<\/span><\/h4>\n
\n<\/span>If there are any deductions or exceptions that are not appropriate, the broker will ask for clarification or renegotiation.<\/span><\/p>\n5. Claim Settlement and Payment<\/span><\/h4>\n
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Case Study: Successful Claims Due to Broker Assistance<\/span><\/h3>\n
Case 1 \u2013 Industrial Solar Power Plant in Karawang<\/span><\/h4>\n
\n<\/span>Total loss: Rp. 420 million.<\/span><\/p>\n
\n<\/span>But this time, with the assistance of PT Liberty and General Insurance Broker (L&G):<\/span><\/p>\n\n
\n<\/span>Damage value: Rp. 300 million.<\/span><\/p>\n
\n<\/span>Within 3 weeks, the claim was fully approved because all evidence was collected completely from the start.<\/span><\/p>\nCommon Mistakes to Avoid in Solar Power Plant Claims<\/span><\/h3>\n
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The Strategic Role of PT Liberty and General Insurance Broker (L&G) in Claims Management<\/span><\/h3>\n
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