When disaster strikes—fire, accident, loss of property, or asset damage—the last resort for many people and companies is insurance. However, many insured individuals are shocked when their claims are denied, the compensation is far below their losses, or the process drags on.
This article is intended for those of you who are not L&G Insurance Broker clients, or whose insurance policies are not arranged through L&G, but are facing insurance claim issues—whether rejected, partially paid, or not yet resolved.
Over the years, L&G Insurance Broker has helped many people in situations like this. For example, we saved a Marine Cargo insurance claim worth Rp 17 billion that was processed through an agent and nearly rejected. After the insured sought L&G’s assistance, the claim was finally paid in full.
This story is proof that the presence of a professional insurance broker can be the difference between a failed claim and a successful claim.
Contact L&G Insurance Broker now at Phone number 08118507773 for a free consultation before the risks haunt your business.
Why Are Many Insurance Claims Rejected?
Based on our experience in the insurance industry for more than three decades, here are the five main reasons why claims are denied or underpaid:
- Misunderstanding the Police Content
Many insured individuals don’t understand the details of their policy coverage, including condition precedents, exclusion clauses, and warranties. When a loss occurs, the insurance company refuses coverage, claiming the risk isn’t covered.
- Incomplete Documents
Claims processes are often stalled due to a lack of documentation—from police reports and photographic evidence to technical reports. These documents are crucial for proving the validity of a claim.
- Reporting Procedure Errors
Claims can be rejected simply because of late reporting, or because the insured repaired the damage without the insurer’s permission. Many people don’t realize how crucial these small details can be.
- Unbalanced Police Interpretation
Insurance companies will naturally interpret policies to their own advantage. Without expert assistance, insureds often lose arguments due to a lack of understanding of the legal and technical aspects of insurance.
- No Professional Companion
When purchasing a policy through an agent or directly from an insurance company, the insured does not have an independent representative to represent their interests. The entire process is controlled by the insurer.
L&G Insurance Broker: Your Claims Advocate
In the Financial Services Authority (OJK) regulations, insurance brokers are recognized as parties representing the insured.
This means that L&G Insurance Broker is tasked with protecting and fighting for your interests, not the insurance company.
We act as insurance advocates — consultants who accompany, analyze, and negotiate to ensure you receive fair and maximum claim payments.
And most importantly:
You don’t have to be an L&G client to get our help.
Whether your policy is handled by an agent or directly with the insurance company, L&G can still help resolve the claim.
- Preliminary Analysis and Police Audit
The L&G team’s first step is to conduct a thorough audit of your policy and claim documents.
We assess:
- Are the risks that occur guaranteed by the police
- Clauses that can strengthen your position
- Administrative loopholes that can be fixed
- Effective communication strategies with the guarantor
This audit can be performed even if your policy was issued by another party. The goal is simple: to protect your rights as the insured.
- Compile and Perfect Claim Documents
Claims often fail simply because documents are incomplete or not in the correct format.
L&G helps you prepare comprehensive claim documents, including:
- Incident report
- Chronology of losses
- Photo/video evidence
- Independent loss estimate
- Supporting official letter
With our experience, each document is prepared according to insurance company standards to minimize the potential for administrative rejection.
- Professional Negotiations with Insurance
The most important stage is negotiation.
L&G acts as your spokesperson, negotiating directly with insurers and loss adjusters, using strong legal and technical arguments.
We understand insurance principles such as proximate cause, average clause, and deductible.
We know how to interpret the police objectively and fairly.
Our goal is one: for you to receive a claim value that matches your actual loss.
- Assistance Throughout the Claims Process
L&G will control every stage of claim settlement.
We ensure the process is fast, avoid repeated document requests, and keep communication open.
You no longer need to deal with complicated bureaucracy — L&G will do it for you with professionalism and empathy.
- Evaluation and Learning
Once the claim is settled, L&G will provide a review and recommendations regarding the contents of your policy.
We help fix weaknesses so that in the future, your guarantee is stronger and the claims process is easier.
We believe claims are not just about compensation, but about learning to strengthen financial protection.
Real Case: L&G Saves Rp17 Billion in Marine Cargo Claims
A large mining company once filed a Rp17 billion marine cargo insurance claim, which was settled through an agent. The claim was nearly rejected because it was deemed to have failed to meet the policy’s terms.
The insured then asked for help from L&G Insurance Broker.
We reviewed all documents, analyzed the policy, and found that the reasons for denial were baseless.
With strong legal arguments and technical data support, L&G renegotiated with the insurer.
Result: claim paid in full.
Interestingly, the insured was not a previous L&G client. They came simply for assistance with the claims process—and we demonstrated our commitment as true insurance advocates.
Differences between Brokers, Agents, and Insurance Companies
| Aspect | Insurance Agent | Insurance Company | L&G Insurance Broker |
| Represented Party | guarantor | guarantor | Insured |
| Main Functions | Selling police | Selling & managing internal claims | Claims advocate & risk consultant |
| Importance | Commercial | Corporate finance | Customer rights |
| Claims Assistance | Limited | Unilateral | Full from start to finish |
| Final destination | Product sales | Pressing claims | Maximize client rights |
From the table above it is clear:
L&G is fully on your side, not the insurance company.
Why Choose L&G Insurance Broker?
✅Over 30 Years of Experience
We have handled thousands of claims across a wide range of sectors — energy, construction, manufacturing, transportation, and finance.
✅Technical and Legal Expert Team
Each claim is handled by a team of professionals experienced in risk management, insurance law, and industrial engineering.
✅Extensive Network in the Insurance World
Our strong relationships with insurance companies and loss adjusters expedite the claims settlement process.
✅Independent and Transparent Approach
We don’t sell products, we fight for rights. All actions are done objectively and openly.
✅Licensed and Supervised by OJK
L&G is an official broker with full permission from the OJK — guaranteeing your integrity and trust.
Don’t Face Claim Problems Alone
Facing an insurance company alone can be exhausting and frustrating. Many insured individuals ultimately give up because they feel they don’t know how to fight or negotiate.
By partnering with L&G Insurance Broker, you get a professional team standing by your side.
We understand claims procedures inside out, have extensive experience, and know how to assert your rights elegantly and effectively.
And again:
You don’t need to be an L&G client to ask for our help.
We are ready to help anyone facing difficulties with a claim — because every insured deserves justice.
Contact Us Now
Has your claim been denied, partially paid, or has there been no clarity for months?
Don’t let time and bureaucracy drain your energy.
We will review your case, analyze the policy, and develop a claims resolution strategy professionally and efficiently.
Cover
Insurance should be a protection, not a source of stress.
If your claim is denied or made difficult, don’t stay silent and give up.
With the support of L&G Insurance Broker, you will have expert assistance who understands every technical and legal aspect of insurance claims.
We’re not just consultants — we’re your advocates before insurance companies.
“Insurance is about protection, but claims are a struggle. With L&G, your struggle won’t be in vain.”
DON’T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773 (PHONE – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
