{"id":9738,"date":"2026-04-07T22:04:32","date_gmt":"2026-04-07T15:04:32","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9738"},"modified":"2026-04-07T22:04:32","modified_gmt":"2026-04-07T15:04:32","slug":"ancaman-kerugian-aset-pada-pabrik-mesin-tanpa-peleburan-logam-panduan-manajemen-risiko-dan-asuransi","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/ancaman-kerugian-aset-pada-pabrik-mesin-tanpa-peleburan-logam-panduan-manajemen-risiko-dan-asuransi\/","title":{"rendered":"Asset Loss Threats in Non-Metal Smelting Machine Plants: A Risk Management and Insurance Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The machinery manufacturing industry, particularly the Industrial, Mining, and Commercial Machinery category, without metal melting, is often considered to have a low risk profile due to the absence of molten metal melting processes. However, the reality on the ground shows that machine shops with lathe, CNC, and assembly activities remain haunted by the risk of massive fires due to electrical failures and the loss of component inventory worth billions. Understanding the property insurance classification through OJK Code 22111 is a fundamental step to ensuring your assets are protected at a fair rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a specialist industrial insurance broker based in South Tangerang, L&amp;G Insurance Broker is here to design seamless protection so your business remains resilient in the face of disaster. Before operational risks halt your production line, make sure you consult the right experts. Contact L&amp;G Insurance Broker now at<\/span><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"><b>08118507773<\/b><\/a><span style=\"font-weight: 400;\"> or via email halo@lngrisk.co.id for consultation with our experts.<\/span><\/p>\n<h4><b>Understanding the Characteristics of Industrial, Mining and Commercial Machinery, without melting metal<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The industrial sector, which manufactures industrial, mining, and commercial machinery without melting metal, is the backbone of the manufacturing economy. In these machine shops, raw metal is processed in cold or warm conditions using high-precision machines. The primary activities include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lathing: The process of cutting metal to form cylindrical components.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CNC (Computer Numerical Control): The use of programmed automatic machines that are very sensitive to electrical power disturbances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assembling: The final stage where thousands of precision components are combined into a single, complete machine unit.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Even without a furnace running, the large-scale use of electrical power to power automated machinery creates the risk of overheating cables and panels. Therefore, business owners still need a comprehensive machine shop insurance strategy to mitigate unexpected financial risks.<\/span><\/p>\n<h4><b>What is the Function of the OJK Occupation Code in Property Insurance?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Many factory owners wonder why insurance companies ask for such detailed information about building activities. The answer lies in the &#8220;Occupation Code.&#8221; In Indonesia, the Financial Services Authority (OJK) has established a standard occupation code as the primary risk identifier for a building and the activities within it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In short, the occupation code functions as a &#8220;Risk ID card&#8221; used by the insurer to determine several crucial things:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of Fire &amp; Explosion Risk: Measuring the potential for danger arising from the production process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium Rate: Determines the cost of insurance. The higher the risk according to the code, the higher the premium.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional Terms &amp; Clauses: Determines what extra protection is mandatory or optional (e.g. electrical internal damage clause).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk Survey Requirement: Determines whether a surveyor needs to come to the location to conduct a physical audit before the policy is issued.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential Policy Exclusions: Determines what will not be covered in the event of a disaster.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">So, occupational codes are closely related to the type of industry. However, it&#8217;s important to remember that not all activities within a factory are automatically covered if they aren&#8217;t properly declared from the outset. In this context, accurately determining the occupational code is key to smooth future claims.<\/span><\/p>\n<h4><b>OJK In-Depth Analysis of Code 22111: Machinery Without Metal Melting<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In the OJK classification, code 22111 specifically refers to machinery activities without metal melting. These activities include lathe workshops, CNC machining centers, and machine assembly lines. The main distinction is the absence of furnaces.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Why is this distinction important? Because the presence of a metal melting furnace drastically increases the risk of fire. With the 22111 classification, employers typically receive more competitive premium rates than metal casting plants (smelters or foundries). However, the challenge with the 22111 classification lies in the extremely expensive machinery assets and the stock of components that are highly sensitive to even the slightest physical damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The risks lurking in non-melting machine factories are often &#8220;hidden.&#8221; For example, metal friction in poorly lubricated lathes can produce sparks that, when combined with lubricating oil vapors in the air, can trigger a small but destructive explosion. As an insurance broker dedicated to protecting your industrial assets, we understand that every second of production time is precious.<\/span><\/p>\n<h3><b>Major Risks in Non-Melting Machine Plants and Their Protection Recommendations<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Although their activities appear to be &#8220;cleaner&#8221; than smelters, factories in the Industrial, Mining and Commercial Machinery category, without melting of metal, still face the threat of massive asset losses:<\/span><\/p>\n<h4><b>1. Electrical Failures in CNC and Precision Machines<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">CNC machines operate with highly sensitive electronic components. Voltage surges or excessive heat in cables can damage the machine&#8217;s control modules, which can cost hundreds of millions of rupiah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recommendation: Use property insurance with the Property All Risk (PAR) format which includes a Machinery Breakdown (MB) or Electrical Equipment Insurance (EEI) clause.<\/span><\/p>\n<h4><b>2. Smoke Contamination in Component Stock<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Metal raw materials such as steel, aluminum, or copper, as well as finished goods, have high economic value. If a small fire occurs in one corner of the factory, the resulting corrosive smoke can spread and damage the precision coatings on unpackaged finished goods.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recommendation: Make sure your stock insurance includes extended coverage for smoke contamination and fire extinguishing water damage.<\/span><\/p>\n<h4><b>3. Risk of Theft of Valuables (Burglary)<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Machine components and metal stock (such as copper or stainless steel) are highly marketable items. Machine manufacturers are often targets for theft due to their high value but easy movement.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: Have First Loss Burglary coverage in your machine shop insurance package to protect your inventory from crime.<\/span><\/li>\n<\/ul>\n<h4><b>The Relationship of Risk to Inventory Insurance Strategy<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In machine manufacturing operations, inventory is often divided into three categories: raw materials, work in progress, and finished goods.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Risks in the Industrial, Mining, and Commercial Machinery category, without melting metal, often involve precision. If a CNC machine experiences a small fire in the control panel, the resulting smoke is corrosive. This smoke can settle on finished goods in the surrounding warehouse, causing premature corrosion and technical failures that could lead to product rejection by the client.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, your stock insurance should not only cover the risk of \u201cburning\u201d, but should cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood Risk: Since many industrial areas are prone to flooding, metal stocks on warehouse floors must be protected.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loading and Unloading Risk: Guaranteeing stock when moved using a forklift.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stock Declaration Clause: A strategy for paying premiums based on the average monthly stock value to make insurance costs more efficient while still guaranteeing maximum value when a disaster occurs.<\/span><\/li>\n<\/ul>\n<h3><b>Why is L&amp;G Insurance Broker in South Tangerang Your Strategic Partner?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">L&amp;G Insurance Broker understands that the Industrial, Mining, and Commercial Machinery industry, without metal melting, requires a different approach than the light manufacturing industry. As a broker located in South Tangerang, we have extensive access to a wide range of underwriters specializing in engineering and heavy industrial risks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The advantages of using L&amp;G Insurance Broker include:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OJK Classification Accuracy: We ensure your factory is declared under the correct Occupation Code 22111 to get the best premium rate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive Risk Audit: We help you identify latent hazards in the lathe and CNC areas before disaster occurs through Risk Assessment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims Advocacy: We stand by your side when disaster strikes, negotiating with Loss Adjusters to ensure your compensation is paid fairly, in full, and quickly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cost Efficiency: We compare various property insurance and stock insurance quotes to provide the highest protection value for your company&#8217;s budget.<\/span><\/li>\n<\/ol>\n<h4><b>Conclusion<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The threat of asset loss in a non-metal smelting machine factory is a reality that must be managed wisely. Even without open flames, electrical technical risks and the vulnerability of stock to smoke contamination still pose a threat worth billions of rupiah. Understanding OJK Occupational Code 22111 provides a strong foundation for your risk management strategy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By integrating property insurance, machine shop insurance, and stock insurance specifically designed by L&amp;G Insurance Broker, you not only protect your physical assets, but also protect the future continuity of your company, employees, and your business reputation in the eyes of your customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Don&#8217;t let your significant investment in lathes and CNC machines be left in limbo without adequate protection. Business security begins with a single, informed consultation with a competent partner.Contact L&amp;G Insurance Broker now at<\/span><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"><b>08118507773<\/b><\/a><span style=\"font-weight: 400;\"> or via email halo@lngrisk.co.id to consult with our experts and ensure your machine factory operations are fully protected by best-in-class insurance standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<p><b>DON&#8217;T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.<\/b><\/p>\n<p><b>HOTLINE L&amp;G 24 JAM:<\/b><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"> <b>0811-8507-773<\/b><\/a> <b>(PHONE \u2013 WHATSAPP \u2013 SMS)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Website:<\/span><a href=\"http:\/\/lngrisk.co.id\"> <span style=\"font-weight: 400;\">lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:halo@lngrisk.co.id ?subject=Quotation%20and%20Consultation%20for%20Insurance &amp;body=Halo%20Tim%20L%26G%20Insurance%20Broker,%0D%0A%0D%0ASaya%20tertarik%20untuk%20mendapatkan%20penawaran%20Asuransi.%0D%0A%0DNama:%0D%0APerusahaan:%0D%0ANo%20HP:%0D%0A%0D%0ATerima%20kasih.\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id\u00a0<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>The machinery manufacturing industry, particularly the Industrial, Mining, and Commercial Machinery category, without metal melting, is often considered to have a low risk profile due to the absence of molten metal melting processes. However, the reality on the ground shows that machine shops with lathe, CNC, and assembly activities remain haunted by the risk of [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":9741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1436],"tags":[1616,1615],"class_list":{"0":"post-9738","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-industri-manufaktur","8":"tag-machinary-manufactur-insurance","9":"tag-manufacturing-industry"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9738"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9738\/revisions"}],"predecessor-version":[{"id":9742,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9738\/revisions\/9742"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9741"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9738"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}