{"id":7591,"date":"2025-07-14T08:57:49","date_gmt":"2025-07-14T01:57:49","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7591"},"modified":"2025-07-14T08:57:49","modified_gmt":"2025-07-14T01:57:49","slug":"waspada-banjir-saat-hujan-deras-ini-daftar-aset-yang-wajib-diasuransikan","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/waspada-banjir-saat-hujan-deras-ini-daftar-aset-yang-wajib-diasuransikan\/","title":{"rendered":"Beware of Floods During Heavy Rain! Here&#8217;s a List of Assets That Must Be Insured"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Hello, friend <\/span><a href=\"https:\/\/ligaasuransi.com\"><span style=\"font-weight: 400;\">Liga Asuransi<\/span><\/a><span style=\"font-weight: 400;\"> The recent extreme weather shouldn&#8217;t be underestimated. Heavy rains in various parts of Indonesia have caused extensive flooding, damaging homes, vehicles, warehouses, and even businesses. Unfortunately, many asset owners don&#8217;t realize the importance of having proper protection before disaster strikes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through this article, we want to help you understand the major risks posed by floods and how flood insurance and support from <\/span><a href=\"https:\/\/lngrisk.co.id\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurance broker<\/span><\/a><span style=\"font-weight: 400;\"> professionals like <\/span><b>L&amp;G Insurance Broker <\/b><span style=\"font-weight: 400;\">can be an effective asset protection solution. Let&#8217;s find out more!<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">The Real Impact of Floods on Physical Assets<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Floods not only inundate roads and residential areas, but also destroy various valuable assets. According to BNPB data, annual flood losses reach trillions of rupiah. Homes, private cars, inventory, and even production machinery are among the victims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apart from physical damage, the further impacts of flooding can include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business operations stopped<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obstruction Product delivery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disturbed Service to customers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of important data and legal documents<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Without adequate protection, all these losses must be borne solely. Even in the banking and financial institutions sector, floods can cause system disruptions and disrupt customer services. Similarly, in the healthcare sector, service facilities such as hospitals and clinics can experience operational disruptions if they lack disaster insurance.<\/span><\/p>\n<p><b>Types of Assets Vulnerable to Flooding<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The following is a list of assets that are highly vulnerable to flood damage and should be insured immediately:<\/span><\/p>\n<ol>\n<li><b> Property<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">From homes and shophouses to offices and even high-rise buildings, flooding can damage building structures and electrical installations, causing significant losses if uninsured. Floodwaters also carry mud and debris, which can increase post-disaster cleanup and repair costs.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Stock of Goods in the Warehouse<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Finished goods, raw materials, or stored electronic products can be completely damaged by flooding. Without <\/span><b>property insurance<\/b><span style=\"font-weight: 400;\">, the losses could reach hundreds of millions or even billions of rupiah. Especially if the goods are part of a national distribution network, this damage could impact the entire supply chain.<\/span><\/p>\n<ol start=\"3\">\n<li><b>Motor vehicle<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Private cars, operational vehicles, and even logistics trucks can become completely disabled if submerged in floodwater. Water can enter the engine compartment and electrical system, causing extensive damage that is very expensive to repair. The solution is&#8230;<\/span><b>vehicle insurance with flood risk extension <\/b><span style=\"font-weight: 400;\">which provides reimbursement for repair or replacement costs of the unit.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Production Machinery and Equipment<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Printing machines, heavy equipment, and automated production systems are high-value assets that must be insured to protect them from water damage. If these machines are unable to operate, the entire business can be paralyzed and result in further losses.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Electronic Devices and Important Documents<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Computers, servers, and legal files often escape protection, yet they are highly vulnerable to water. Water can damage hard drives, data storage devices, and even irreplaceable documents. Insurance can be extremely helpful in recovering from such damage or loss.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Flood Risk Based on Business Type &amp; Protection Recommendations<\/b><\/h3>\n<ol>\n<li><b> Warehouse and Distribution Owners<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk: Damaged stock, disrupted supply<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: <\/span><b>Property All Risk + Business Interruption<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explanation: Warehouses are often located in industrial areas prone to flooding. Comprehensive policy protection is essential, including coverage against logistics and distribution disruptions.<\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b> MSMEs (Shops, Workshops, Laundry, Food Stalls)<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk: Damaged work tools, lost turnover<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: <\/span><b>Micro Business Insurance<\/b><span style=\"font-weight: 400;\">, with flood guarantee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explanation: MSMEs face limited capital and limited access to rapid recovery. Microinsurance provides financial peace of mind when business premises are flooded and equipment is rendered unusable.<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> Developers and Property Owners<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk: Unit damaged, buyer delays<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: <\/span><b>Property All Risk<\/b><span style=\"font-weight: 400;\">, <\/span><b>Contractor\u2019s All Risk<\/b><span style=\"font-weight: 400;\">(if still under construction)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explanation: Property projects under construction are highly vulnerable to extreme weather. Construction insurance can cover the costs of structural damage, heavy equipment damage, and even work delays.<\/span><\/li>\n<\/ul>\n<ol start=\"4\">\n<li><b> Vehicle Owner<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk: Engine &amp; interior damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: <\/span><b>Flood extension vehicle insurance <\/b><span style=\"font-weight: 400;\">from trusted brokers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explanation: Many vehicle owners are unaware that flood risk must be specifically included in their policy. Ensure this clause is active.<\/span><\/li>\n<\/ul>\n<ol start=\"5\">\n<li><b> Office and Building Management<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk: Operational disruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommendation: <\/span><b>Industrial All Risk + Electronic Equipment Insurance<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explanation: Office buildings have complex electronic systems that are vulnerable to water damage, such as servers, elevators, security systems, and electrical networks.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Types of Insurance that Provide Flood Protection<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Not all insurance policies automatically cover flood risks. Therefore, you need to understand and choose the following types of insurance:<\/span><\/p>\n<ol>\n<li><b> Property All Risk \/ Industrial All Risk<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protects the building and its contents from various risks, including flooding (if extended). It is important to ensure that a flood clause is explicitly included in the policy.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Vehicle Insurance with Flood Risk Extension<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This is generally optional and must be added separately. Don&#8217;t wait until your car is submerged! This extension provides comprehensive reimbursement for damage caused by flooding.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Cargo &amp; Stock Insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ensures that goods stored or being shipped remain safe from water risks. Ideal for logistics and e-commerce businesses with high shipping volumes.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Business Interruption Insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Covers potential financial losses resulting from business interruption due to a disaster. This coverage can be a cash flow saver while your business is out of action.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Engineering Insurance (CAR, EAR, CPM)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ideal for construction and heavy industrial projects with high-risk equipment, this insurance can protect project assets from damage caused by extreme weather, including floods and landslides.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>The Important Role of Insurance Brokers in Protecting Assets from Floods<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Purchasing an insurance policy directly doesn&#8217;t always guarantee maximum protection. This is where the importance of having a representative comes in as an insurance<\/span> <span style=\"font-weight: 400;\">broker<\/span> <span style=\"font-weight: 400;\">professional.<\/span><\/p>\n<p><b>Benefits of Using an Insurance Broker:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk analysis of location and asset type<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Selection of the most appropriate and efficient police<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure flood risk expansion is included in the clause<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assistance during the claims process, including documentation and negotiation<\/span><\/li>\n<\/ul>\n<p><b>L&amp;G Insurance Brokers<\/b><span style=\"font-weight: 400;\"> have experience handling flooding cases ranging from residential to large-scale industries. We understand your needs and are ready to provide the right solutions with professional and personalized service <\/span><a href=\"http:\/\/lngrisk.co.id\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurance brokers.<\/span><\/a><span style=\"font-weight: 400;\"> Trusted, we prioritize your interests, not insurance companies.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>FAQ \u2013 Frequently Asked Questions<\/b><\/h3>\n<ol>\n<li><b> Do all policies cover flood risk?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Nope. Need a specific extension in your policy.<\/span><\/li>\n<li><b> Are new vehicles automatically flood protected?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Not necessarily. Depends on the type of police and extension you take.<\/span><\/li>\n<li><b> How long does the claims process take if a flood occurs?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">If accompanied by an insurance broker, the claims process can be faster and more accurate.<\/span><\/li>\n<li><b> Can MSMEs get flood protection?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Yes, we can. There are even special packages available for small businesses.<\/span><\/li>\n<li><b> Why should you use a broker, rather than going directly to the insurance company?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Brokers work for your interests, not the insurance company&#8217;s. They are more neutral and strategic.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><b>Conclusion<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Floods are more than just a weather event; they pose a serious threat to homes, vehicles, businesses, and other assets. When heavy rains are unpredictable, the only wise course of action is to protect assets early with the right protection solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With flood insurance tailored to your needs, various losses can be minimized, or even replaced. However, to ensure optimal protection, the role of a professional<\/span><b> insurance broker <\/b><span style=\"font-weight: 400;\">becomes very crucial.<\/span><\/p>\n<p><b>L&amp;G Insurance Broker <\/b><span style=\"font-weight: 400;\">We are your reliable partner in protecting your assets from flood risk, from risk consultation and policy selection to claims assistance. Don&#8217;t wait for a loss to occur to act.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like to know more about flood insurance protection, or would like to check whether your assets are properly protected, please consult with our team for a free consultation at <\/span><b>0811-850-7773 <\/b><span style=\"font-weight: 400;\">You&#8217;ll receive guidance and recommendations on the best insurance policies tailored to your needs and risk profile.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Hello, friend Liga Asuransi The recent extreme weather shouldn&#8217;t be underestimated. Heavy rains in various parts of Indonesia have caused extensive flooding, damaging homes, vehicles, warehouses, and even businesses. Unfortunately, many asset owners don&#8217;t realize the importance of having proper protection before disaster strikes. Through this article, we want to help you understand the major [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":7592,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[109,326],"class_list":{"0":"post-7591","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-bencana-alam","8":"tag-asuransi-banjir","9":"tag-broker-asuransi"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=7591"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7591\/revisions"}],"predecessor-version":[{"id":7593,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7591\/revisions\/7593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/7592"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=7591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=7591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=7591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}