When Disaster Strikes, Hope Is Dashed
Imagine you are a batik entrepreneur in Bantul.
Your small factory catches fire, partly due to an electrical short circuit in the paint room. It’s not a major fire, but it’s enough to halt production for two weeks. You think, “Thank goodness you had fire insurance.”
But after filing a claim, the agent just said,
“Sorry, sir. Your claim cannot be processed because the documents are incomplete.”
Incomplete? Even though everything has been sent. Month after month, there’s no news. The compensation money expected to repair the machine never arrives. Ultimately, your business must borrow more capital to survive.
Cases like this aren’t unique to Bantul. Many businesses in Yogyakarta—from the creative industry, hotels, logistics, to factories—have experienced the same thing: insurance claims rejected without clear reason.
Why does this keep happening?
Key Issues: Imbalance of Information and Interests
Most entrepreneurs purchase insurance through insurance agents who work for the insurance company, not for the customer.
An agent’s primary job is to sell policies, not to ensure they truly meet your business needs.
As a result, many police were drafted without risk assessment deep.
For example:
- The policy does not cover flood risks even though the business location is vulnerable.
- The police use technical terms that are never explained.
- The sum insured does not correspond to the actual value.
Only when a claim is filed do all the deficiencies emerge — and the insurance company has good reason to deny it.
The Harsh Reality of the Insurance World on the Ground
Some complaints that are often heard from entrepreneurs in Jogja:
- Claims are slow and complicated.
Documents are requested repeatedly, with no certainty as to when the claim will be approved. - Expensive premiums without explanation.
Many business people don’t know that premiums are negotiable. - The policy is complicated and not understood.
Legal language and technical terms make entrepreneurs give up on reading. - There was no companion during the claim.
The agent disappeared after the policy was issued. When it came to claims, the customer was left to fend for themselves.
These problems create frustration, disappointment, and distrust in the insurance industry.
But actually, it’s not the insurance that’s wrong — it’s the way it’s managed.
Good News from the OJK: Entrepreneurs Now Have Their Own Protection
Few people know that the Financial Services Authority (OJK) has officially confirmed that Insurance Brokers are customer representative, not an insurance company representative.
It means:
Brokers work for you, helping you structure the right coverage, negotiate the best premiums, and stay with you until your claim is paid — at no extra cost.
With a broker, the entrepreneur’s position becomes stronger in the eyes of insurance companies.
You are no longer alone in facing technical terms, rate negotiations, and complicated administration.
The Real Role of an Insurance Broker: From Start to Finish
Let’s see how the role of L&G Insurance Broker can change the situation as above.
- Risk Analysis Before the Policy is Issued
L&G does a risk survey to understand the character of your business — from location, asset value, to potential hazards.
The result is underwriting information which is prepared professionally, so that the insurance company understands the risks properly and does not simply reject claims.
- Fairer Premium Negotiations
Brokers are not tied to one insurance company.
L&G can compare rates and coverage from various leading insurance companies, then choose the most efficient one for the client.
The result: more economical premiums, broader protection.
- Assistance During Claims
This is the biggest added value.
When a claim occurs, L&G steps in directly to help:
- Prepare complete claim documents,
- Contact loss adjuster,
- Negotiate with the insurance company so that payments are made quickly and fairly.
With this assistance, the risk of claim rejection can be drastically reduced.
True Story: From Disappointment to Trust
Some time ago, a printing entrepreneur in Sleman experienced a small fire in the ink storage room.
The insurance agent simply provided a claim form, without any guidance. The claim was denied because “flammable materials were stored inappropriately.”
That’s when he met the broker team.
We help review the police, prepare reassessment, and present back to the insurance company with technical evidence and site improvement recommendations.
Result: claim accepted and paid 100%.
Now, the entrepreneur entrusts all his insurance needs to L&G — not an agent anymore.
Why Can’t Agents Do This?
It is necessary to understand the fundamental difference between agent And insurance broker:
| Aspect | Insurance Agent | Insurance Broker |
|---|---|---|
| Represented party | Insurance company | Customers (entrepreneurs) |
| Main task | Selling the police | Providing comprehensive consultation and protection |
| Source of income | Commission from sales | Commission from premiums, but no additional costs to clients |
| Company choice | Only one (where it works) | Many insurance companies |
| At the time of claim | Not required to accompany | Obliged to assist and negotiate claims |
In other words, the selling agent, temporary broker protects.
The Digital Age: The Right Time to Switch
Amidst technological advances, many Jogja entrepreneurs are starting to switch to a faster and more transparent system.
Through digital platforms such as Ligasys From L&G Insurance Broker, all processes can be done online:
- Police requests and publications,
- Monitoring premiums and maturity,
- Real-time claims reporting,
- Direct consulting services from the technical team.
All without the hassle of manual paperwork or waiting weeks for answers.
Yogyakarta: A Business Hub That Must Grow with Smart Protection
As a city of education, culture, and tourism, Yogyakarta is also developing into a new business center in the logistics, energy, construction, and hospitality sectors.
But many entrepreneurs don’t realize that the wrong insurance can be an additional risk — not protection.
With the presence of professional brokers like L&G Insurance Broker, entrepreneurs now have a true partner to ensure that every rupiah of premium paid truly protects their assets, business, and future.
Conclusion: Don’t Wait Until Your Claim Is Denied
If you’ve ever been disappointed because your claim was rejected, your premiums were too expensive, or your insurance service felt complicated, it’s a sign that you haven’t found the right partner.
An insurance broker is not an additional expense — it’s an investment in peace of mind and certainty.
OJK has emphasized that brokers are protectors for entrepreneurs.
So, before purchasing or renewing your insurance policy in Yogyakarta and surrounding areas, contact L&G Insurance Broker.
We are ready to be your trusted partner to assist you from the initial stage to claim completion — quickly, fairly, and at no additional cost.
L&G Insurance Broker – Your Partner in Risk, Your Protector in Claim.
—
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
—
