For many companies and individuals, insurance is a reliable form of financial protection in the event of a disaster. However, the reality on the ground often falls short of expectations. When claims are filed, many customers face denials, very low payouts, or protracted, uncertain processes.
This article is specifically for those of you who are not or have not yet become clients of L&G Insurance Broker, and whose insurance policies are not arranged through L&G.
We are writing this because many companies have come to us after their claims were unsuccessful or denied, and we have successfully helped them regain their rights.
One high-profile case involved a Marine Cargo insurance claim worth Rp 17 billion that was nearly rejected by the insurer. After the insured sought assistance from L&G Insurance Broker, the claim was finally paid in full.
This is proof that the presence of an independent insurance broker like L&G can be the deciding factor between the failure and success of your claim.
Why Do So Many Claims Fail?
Every year, thousands of insurance claims in Indonesia fail for various reasons. Based on L&G’s experience handling thousands of cases, the main causes are:
- The contents of the policy are not properly understood.
Many insureds do not realize that the language in insurance policies is highly technical and legally binding.
Words like exclusion, warranty, and condition precedent have big consequences.
Misinterpreting just one sentence can render a claim legally void.
- Incomplete or Incorrect Claim Documents
Insurance companies have strict documentation standards. If even one document is missing, they have the right to delay or even deny a claim.
Many insured persons do not know that the format and order of documents also determines whether a claim will be accepted.
- Late Reporting or Wrong Procedure
Most policies stipulate that claims must be reported within a certain time (e.g. 3×24 hours).
Being even one day late can be a formal reason for insurance to reject your claim.
- Unilateral Interpretation by the Underwriter
Insurance companies have legal teams and adjusters who will interpret the contents of the policy according to their interests.
Without expert assistance, the insured often loses the argument.
- No Party Defends Your Interests
When you purchase a policy directly from an insurer or through an agent, there is no independent party representing you in the claims process.
This is where the role of insurance brokers like L&G becomes very important.
Who is L&G Insurance Broker?
L&G Insurance Broker is an officially licensed insurance brokerage company and is supervised by the Financial Services Authority (OJK).
Unlike agents or insurance companies, we work for the insured, not for the insurer.
Our job is not to sell police, but to:
- Analyze risks and guarantees,
- Providing objective advice,
- And accompany customers in the claims process until completion.
And what you need to know:
- You don’t have to be an L&G client to get claims help.
- We also help insureds whose policies are issued by other parties.
How L&G Fights for Your Rights?
Here are the professional steps L&G takes to help resolve claims, even for those of you who are not yet our clients:
- Policy Audit and Claim Evaluation
We begin by analyzing the content of the police and the chronology of events.
Our team of experts will find out whether your loss is covered by the policy and where the insurer’s arguments are weak.
This audit is very important to build a strong legal basis for the claim.
We ensure that every policy provision that supports your interests is used to its maximum potential.
- Prepare Complete and Professional Claim Documents
One of the main causes of failed claims is inadequate documentation.
The L&G team will help you prepare a complete and structured claim document, including:
- Incident report
- Photo/video evidence
- Official chronology
- Loss estimates from independent parties
- Third party reports (if any)
With this professional approach, the chances of your claim being rejected for administrative reasons are very small.
- Negotiation with the Insurer and Loss Adjuster
This is where the role of our “insurance advocate” really comes into play.
L&G will negotiate directly with insurance companies and loss adjusters, using strong legal, technical and financial arguments.
We understand the complex language of insurance and insurance law.
With extensive experience and strong relationships in the industry, we are able to fight for your claim until you are paid the true value of your loss.
- Full Support Until Claim Payment
We don’t stop in the middle of the road.
The L&G claims team will oversee the process from start to finish until the claim funds are actually paid.
We also ensure that every communication with the insurance company is well documented and transparent.
- Post-Claim Evaluation
Once the claim is settled, L&G will help you evaluate the contents of the policy to ensure your future protection is optimal.
We can also help renegotiate warranties and clauses if your policy needs strengthening.
Real Example: Claim of Rp17 Billion in Marine Cargo Recovered
One of L&G’s true stories is a Marine Cargo insurance claim worth IDR 17 billion from a large logistics company.
This claim was originally handled by an agent and was nearly rejected by the insurance company.
The insured then asked L&G Insurance Broker for assistance in reviewing the case.
Our team found that the reasons for rejection submitted by the insurer were legally and technically baseless.
We re-prepare documents, conduct audits, and negotiate directly with the underwriter.
The results were extraordinary — the claim was paid in full for Rp17 billion.
However, this client had no prior relationship with L&G.
This case is proof that L&G can be a lifesaver even for those of you who are not yet our clients.
What’s the Difference Between L&G and an Agent or Direct to Insurance?
| Aspect | Insurance Agent | Insurance Company | L&G Insurance Broker |
| Interests represented | Guarantor | guarantor | Insured |
| The main purpose | Selling police | Pressing claims | Maximizing your rights |
| Claims assistance | Limited | Unilateral | Full from start to finish |
| Objectivity | Product bound | Bound by internal policies | Independent & professional |
| Regulation | Regulated by OJK | Regulated by OJK | Regulated by OJK (as a neutral party) |
L&G Insurance Broker Advantages
✅Over 30 Years of Experience
We have handled thousands of claims across industries — energy, construction, manufacturing, and logistics.
✅Reliable Technical and Legal Team
We have a team of professionals with expertise in engineering, insurance law, and risk management.
✅Good Relationship with Insurance Companies
L&G has a good reputation in the industry, so the communication and negotiation process runs more smoothly.
✅Independent Approach
We are not on the side of the insurer. Every action we take is based on your interests and rights.
✅Licensed and Supervised by OJK
Our legality and work ethics are fully in accordance with OJK regulations.
Why You Should Act Now?
Delaying claim handling will only make your position weaker.
Insurance companies have a certain time limit to review claims, and if not handled properly from the start, claims can be legally void.
By partnering with L&G Insurance Broker, you don’t have to face this process alone.
We will be professional advocates who speak on your behalf and fight for your rights to the end.
Remember: You don’t have to be an L&G client to ask for our help.
We are ready to help anyone facing difficulties in resolving claims.
Contact L&G Now
Was your claim rejected, partially paid, or is its fate unclear?
Don’t let this drag on.
Contact L&G Insurance Broker today:
📲Whatsapp : 08118507773
📧 Email: info@lngrisk.co.id
🌐 Website: www.lngrisk.co.id
We will analyze your case, assess the legal strength of the policy, and develop the best strategy to fight for your claim.
Cover
Insurance should provide protection, not new problems.
If your claim is denied, it’s not the end of the world.
With L&G Insurance Broker, you have a team of professionals who understand the legal, technical, and business language of the insurance world.
We’re not just consultants — we’re your advocates in fighting for your insurance rights.
“Don’t let your claim fail just because you’re fighting alone.
Let L&G stand by your side and ensure you get what is rightfully yours.”
