Classic Problems That Could Be Disasters
Imagine you own a logistics company in Bekasi, and you have paid hundreds of millions of rupiah in insurance premiums to protect your fleet of trucks and warehouses.
You feel safe. But when an accident or fire occurs, the insurance company denies your claim for a simple reason: the policy isn’t active or hasn’t been officially issued.
This situation is not a fictional story — but a reality experienced by many entrepreneurs in the Bekasi, Cikarang, Jababeka, MM2100, and Karawang areas.
These problems often arise due to a lack of transparency, poor communication, and the absence of professional support.
In many cases, entrepreneurs only realize their policies are “invalid” after a loss has occurred.
Unfortunately, it was too late. The premiums had been paid, but the legal protection was no longer in effect.
So, who’s to blame? The agent? The insurance company? Or the system?
Let’s discuss the root of the problem and how PT. Liberty and General Insurance Broker (L&G Insurance Broker) can help resolve it professionally.
Phenomenon: Premiums Paid, But Policies Never Reach Clients
Every year, many companies in the industrial and logistics sectors in Bekasi face similar problems:
They have signed the insurance proposal and paid the premium, but the insurance policy has never been officially accepted.
In fact, the policy is the main legal document that determines the rights and obligations between the insured and the insurer.
Without a policy, customers have no legal basis to file a claim.
Here are some common causes that often occur in the field.
- The Administrative Process in Insurance is Slow and Lacks Transparency
After receiving premium payments, the insurance company needs time to:
- Drafting policy wording
- Arrange additional endorsements
- Conduct internal verification
But in many cases, this process can take months.
Customers are not given clear updates, and often do not know that the policy is not officially active.
Brokers like L&G ensure this process is transparent and controlled.
L&G monitors the status of policy issuance, reminds insurers periodically, and provides copies of cover notes officially to the client before the policy is issued.
- Document Errors or Inaccuracies
Many insurance applications are not accompanied by complete data:
the address does not match, the insured value is incorrect, or the type of risk has not been explained correctly.
As a result, insurance companies delay issuing policies until all documents are complete.
However, if no party actively follows up, this process could stall.
Meanwhile, clients feel they are protected even though they are not.
L&G Insurance Broker helps ensure all underwriting data is complete and accurate from the outset, so there is no reason for the insurer to delay issuing the policy.
- The agent does not provide a copy of the policy to the client.
Some agents focus solely on sales and commissions. Once the premium is paid, communication stops.
The client just realized he never received a physical or digital policy.
This problem occurs because agents work for the insurance company, not for the customer.
In contrast to brokers like L&G, which stand on the client’s side.
L&G ensures that clients receive an official copy of the policy, complete with endorsements and relevant attachments.
- Police Issued But Not According to Agreement
There are also cases where the policy has been issued, but the contents are different from the initial proposal:
- The insurance value is not the same
- Additional risks not listed
- Important clause removed without notice
As a result, when a claim is submitted, the insurer rejects it on the grounds that the policy does not cover such risks.
With a broker, any wording changes are verified and approved by the client before the policy is finalized.
Real Case: Logistics Warehouse in Cibitung Loses Protection
A large logistics company in Cibitung, Bekasi purchased a warehouse and goods in storage insurance policy with an annual premium of around Rp. 300 million.
They paid through an insurance agent who promised the policy would be sent within two weeks.
However, three months later, a fire broke out due to an electrical short circuit.
When the company submitted a claim, the insurer refused on the grounds that the policy had not been officially issued.
After investigation, it turned out the agent hadn’t submitted the final documents to the insurance company’s headquarters. The premium was indeed paid, but it was never entered into the system.
Losses reached more than IDR 7 billion, and the company lost all its stock of goods.
There is no legal basis for the claim, and the premium money cannot be returned because it has been “administratively forfeited.”
After that bitter event, the company decided to switch to L&G Insurance Broker.
Now, all their policies are monitored digitally through the L&G dashboard, and every renewal is confirmed by an official electronic document.
The Role of L&G Insurance Brokers in Ensuring Police Certainty
As an OJK-licensed independent insurance broker, PT. Liberty and General Insurance Broker (L&G) ensures that every client has legal, clear, and active insurance coverage.
Here are some concrete steps that L&G has taken to avoid the problem of “policies never being issued.”
- Police Publication Tracking and Reminder System
L&G uses an internal system that monitors every stage — from the offer, premium payment, to policy issuance.
Clients receive periodic status reports, including policy number, effective date, and a copy.cover note.
With this system, no police are “lost in the middle of the road.”
- Verify Underwriting Documents Before Submission
Before the proposal is submitted to the insurer, L&G verifies the client’s detailed data:
- Asset value and location
- Operational activities
- Type of risk (fire, flood, lightning, machine failure, etc.)
This step ensures that the insurer can quickly approve and issue the policy without repeated revisions.
- Review and Confirm Policy Wording
Once the insurer issues a draft policy, L&G reads and proofreads each clause to ensure compliance with the initial agreement.
If there are changes that are detrimental to the client, L&G immediately requests revisions before the client signs the final documents.
The result: the published policy truly reflects a legally protected agreement.
- Digital Storage and Easy Access
L&G provides a digital archive of policies for each client.
All policy documents, endorsements, and reports can be accessed at any time through the L&G Risk Management System platform.
This prevents loss of physical documents and makes audits and claims easier in the future.
- Education and Transparency
Many customers actually do not understand the difference between quotation, cover note, and final policy.
L&G provides education so that clients know the stages and status of their protection.
With this understanding, there is no more confusion about whether the police are active or not.
Comparison: Agent vs. Broker in Policy Management
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In conclusion, a broker like L&G is not just an intermediary, but a strategic partner that ensures every aspect of your insurance runs according to procedure.
Why This Is Important for Business Owners in Bekasi
The Bekasi, Cikarang, Jababeka, and Karawang areas are the largest centers of industrial, construction, and logistics activities in Indonesia.
The value of insured assets in this region reaches hundreds of trillions of rupiah.
However, with the high volume of transactions and busy activity, the potential for miscommunication and administrative delays is also high.
Without professional assistance, companies can easily find themselves in a situation where premiums have been paid but the policy is inactive.
L&G understands the dynamics of local business in Bekasi and has experience handling various types of policies — from Property All Risks (PAR), Contractor’s All Risks (CAR), to Marine Cargo for shipping heavy equipment and industrial goods.
Additional Case Study: EPC Project in Jababeka
An EPC company in the Jababeka II industrial area purchased Erection All Risks (EAR) insurance for a turbine engine installation project.
The premium of Rp900 million was paid in full to the insurer through the agent.
Three months later, during the installation process, one of the cranes toppled over and damaged a major component of the machine.
When the claim was submitted, the insurer stated that the policy was not yet active because the technical documents were incomplete.
Losses reached IDR 4 billion and the project schedule was delayed by 6 weeks.
The company finally sought help from L&G Insurance Broker.
L&G immediately traced the administrative process, contacted the insurer, and verified that the premium had been received.
Within 4 weeks, the insurer issuedbackdated policyand the claim was paid.
Since then, the company has entrusted all its projects to L&G to prevent similar cases from recurring.
L&G’s Steps to Safeguard Clients from the Risk of “Unissued Policies”
- Mandatory Document Checklist
Each client receives a list of mandatory documents before the placement process begins. - Cover Note Resmi
L&G won’t wait — every premium payment is immediately followed by the issuance of a cover note official that guarantees temporary protection. - Monitoring Internal
L&G’s system automatically alerts the team if a policy has not been issued within a certain time. - Monthly Report to Client
Clients get a status report of the entire policy, its validity period, and issuance status.
With this system, there will no longer be cases of “premiums paid but the policy never received.”
L&G Client Testimonials in Bekasi
“We used to pay premiums for the factory project, but we never received the policy. After using L&G, everything became clear. They sent us complete digital and physical policies, and even helped explain their contents.”
— PT. Cikarang Energi Mandiri
“Now we don’t have to worry anymore. L&G always provides updates when new policies are issued. They’re professional and transparent.”
— PT. Bekasi Logistik Nusantara
Conclusion: Without a Policy, Your Premium Is Just an Empty Promise
Paying premiums without receiving a policy is like buying a house without a certificate.
You can lose your legal rights at any time.
Don’t let administrative negligence cost your business billions of rupiah in assets.
Make sure that every premium payment is accompanied by official documents, cover notes, and valid final policies.
With PT. Liberty and General Insurance Broker (L&G), you don’t have to guess — the entire process is monitored, documented, and verified to completion.
L&G stands by your side, ensuring that every policy is fully active, valid, and ready to protect your business in Bekasi and the surrounding areas.
🔹Have you received the policy from the premium you paid?
🔹Want to make sure your insurance documents are valid and active?
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773 (CALL – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
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L&G Insurance Broker — Your Trusted Partner for Insurance Transparency in Bekasi.
