Flavor FrustrationThe Unspoken
In recent years, many entrepreneurs in Banten Province — from Tangerang, Serang, Cilegon, Pandeglang, to Lebak — have voiced the same complaint:
“Premiums have been paid every year, but when it comes to claims, why is it made so difficult?”
This frustration is not without reason. Many businesses, both small and large, experience the complexity, slowness, and unfairness of the insurance claims process.
Some claims were rejected for technical reasons, some were only paid partially, and some waited for months without any certainty.
The problem is, most entrepreneurs in Banten buy policies directly from insurance agents or banks, without understanding the details of the guarantees and exclusions.
Yet, amidst high business risks — from floods in Tangerang, factory fires in Cikande, to industrial explosions in Cilegon — the decision to purchase insurance without professional support is a fatal mistake.
In this article, we will discuss:
- The root of Banten entrepreneurs’ disappointment with insurance services,
- The basic difference between an insurance agent and a broker,
- How PT. Liberty and General Insurance Broker (L&G Insurance Broker) in Bintaro, South Tangerang provides real solutions for entrepreneurs,
- and the reasons why an independent broker is the smartest choice for businesses in Banten.
Contact L&G Insurance Broker now at Phone number 08118507773 for a free consultation before the risks haunt your business.
- The Root of Disappointment: When Expectations Don’t Match Reality
🔹a. Lack of Education Before Purchasing a Policy
Many business people in Banten buy policies because they are “recommended” by bank agents or friends.
Unfortunately, most never get a detailed explanation of the policy’s coverage and exclusions.
As a result, they only realize the limitations of protection when disaster strikes.
“We thought fire insurance would also cover floods. But it turns out it doesn’t.”
said a warehouse owner at Pasar Kemis, Tangerang.
🔹b. Agents Focus on Sales, Not Protection
The role of an insurance agent is basically a sales intermediary working for an insurance company.
They have premium targets, not full responsibility for risk management or claims assistance.
As a result, many policies do not match the nature of business risks, such as:
- The factory policy is listed as a “regular warehouse,”
- The insurance value does not reflect the actual asset value,
- There are no important additional clauses (extensions) such as floods or earthquakes.
🔹c. Difficulty in Claims and Lack of Assistance
When disaster strikes, customers are often left to navigate the complex claims process on their own.
The insurance company appointed an independent loss adjuster, but the customer did not know how to properly present evidence and arguments.
This is where the feeling comes in.frustrationthe biggest:
“We felt like we were fighting a giant alone.”
- Real Case Examples in the Field
🔸Case 1: Steel Factory in Cilegon
A steel factory in Cilegon suffered machine failure due to a power surge, resulting in losses of Rp 8 billion.
However, the claim was rejected on the grounds that damage due to “wear and tear” was not covered under the policy.
After further investigation, it turned out that the policy was purchased through an agent without technical consultation — even though the electrical risk should have been covered if an additional clause for “electrical short circuit extension” had been included.
🔸Case 2: Restaurant in Serang Burns Down
A popular restaurant in the Serang area caught fire due to a leaking gas cylinder.
The owner just realized that the insurance purchased through the bank agent only covers damage to the building, not the contents (equipment and food supplies).
The loss of Rp1.2 billion had to be borne by the policyholder due to a lack of understanding when purchasing the policy.
🔸Case 3: Logistics Warehouse in Tangerang Flooded
A large warehouse in the Curug area, Tangerang, was submerged in floodwater for three days.
The claim was rejected because the policy did not cover “flood” and “storm” risks.
In fact, the area is known to be prone to flooding every rainy season.
- Real Risks Lurking in the Business World in Banten
Banten Province has a high and diverse risk profile due to a combination of industrial, natural and infrastructure factors.
Here is a summary of the main risks:
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All these risks cannot be addressed simply by purchasing a general policy, but must begin with an in-depth risk analysis — something only an independent insurance broker can do.
- Basic Differences: Agent vs Insurance Broker
| Aspect | Insurance Agent | Insurance Broker (Example: L&G Insurance Broker) |
|---|---|---|
| Position | Working for an insurance company | Working for the benefit of clients |
| The main purpose | Selling the police | Arrange risk-appropriate coverage |
| Claims assistance | Have no legal obligations | Must accompany customers until claims are paid |
| Risk knowledge | Generally limited to products | Cross-industry risk analysis expert |
| Operational permit | Issued by insurance companies | Published by the Financial Services Authority (OJK) |
| Impartiality (independence) | Tends to side with insurance | 100% in favor of the insured |
| Examples of institutions in Banten | Individual agent | PT. Liberty and General Insurance Broker (L&G) in Bintaro |
In other words:
Agents sell police,
Brokers protect your business interests.
- How L&G Insurance Brokers Provide Solutions in Banten
As an OJK-licensed insurance broker, L&G Insurance Broker, headquartered in Bintaro, South Tangerang, performs consultative, protective, and advocacy functions for Banten entrepreneurs.
🔹a. Risk Management Consulting
L&G conducts a risk assessment to understand the potential hazards in your factory, warehouse or office.
The results form the basis for designing a truly risk-appropriate policy.
🔹b. Insurance Placement
Brokers prepare tender documents to various insurance companies to get the best terms with the most efficient premiums.
🔹c. Policy Audit and Renewal
Every year, L&G reviews your policy to ensure the coverage, clauses and guarantees remain relevant to current conditions.
🔹d. Claims Assistance
When a disaster occurs, L&G represents the insured professionally, helping to prepare evidence, negotiate with loss adjusters, and ensure claims are paid fairly and promptly.
- Important Insurance Products for Banten Entrepreneurs
To ensure your business in Banten is truly protected, here are the main types of insurance recommended by L&G Insurance Broker:
- Property All Risks (PAR) – complete protection for factories, warehouses and offices.
- Industrial All Risks (IAR) – an advanced version of PAR specifically for large industries.
- Public Liability Insurance – to protect against third party lawsuits.
- Machinery Breakdown Insurance – protection for high-value production machinery.
- Business Interruption Insurance – covers loss of income due to operational disruptions.
- Marine Cargo Insurance – protection for shipping goods by sea and land.
- Workmen’s Compensation (JKK & JKM) – protection of workers from work accidents.
With the right combination, Banten entrepreneurs can create comprehensive and layered protection (integrated insurance solution).
- Premium Estimates for Various Types of Businesses in Banten
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Through brokers, premiums can be negotiated more competitively while maintaining the quality of the guarantee and the reputation of the insurance company.
- Success Stories of L&G Insurance Broker Clients in Banten
A manufacturing entrepreneur in the Modern Cikande Industrial Estate area once experienced a major fire in his raw materials warehouse.
The initial claim was questioned by the insurance company due to perceived “human error.”
However, thanks to the assistance of L&G Insurance Broker, who presented technical evidence, forensic reports, and contractual arguments, the insurance company finally approved the claim of IDR 22.5 billion.
This process is proof that a competent broker is able to turn a rejected claim into a paid claim.
- Why Banten Entrepreneurs Should Switch to Independent Insurance Brokers
- Protection According to Real Risk – not just a standard product.
- More Efficient Premium Negotiations – brokers have greater market leverage.
- Professional Claims Assistance – You are no longer alone when disaster strikes.
- Annual Audit & Policy Renewal – ensuring cover remains relevant.
- OJK Transparency & Compliance – all broker activities are strictly monitored by the regulator.
- Long Term Relationship – brokers are not sellers, but your risk business partners.
- Conclusion: From Disappointment to Trust
Many Banten entrepreneurs are disappointed with insurance services because they do not get professional assistance from the start.
Rejected claims, high premiums, and confusion in reading policies often make insurance lose its meaning.
However, with the presence of PT. Liberty and General Insurance Broker (L&G Insurance Broker) in Bintaro, South Tangerang, Banten entrepreneurs now have a partner who truly supports them.
Call to Action (CTA):
Don’t let disappointment with insurance make you stop believing in protection.
Start on the right foot — use the services of a professional insurance broker like L&G Insurance Broker,
which is officially licensed by the OJK and has experience serving various industries in Banten.
💼 L&G Insurance Broker — Your Strategic Partner in Managing Risk and Business Protection in Banten.
HOTLINE L&G 24 JAM: 0811-8507-773 (PHONE – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
