{"id":7656,"date":"2025-08-01T08:03:33","date_gmt":"2025-08-01T01:03:33","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7656"},"modified":"2025-08-01T08:03:33","modified_gmt":"2025-08-01T01:03:33","slug":"tips-memilih-asuransi-pengangkutan-barang-waspadai-risiko-kerusakan-akibat-perubahan-alami","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/tips-memilih-asuransi-pengangkutan-barang-waspadai-risiko-kerusakan-akibat-perubahan-alami\/","title":{"rendered":"Tips for Choosing Freight Insurance: Be Aware of the Risk of Damage Due to Natural Changes"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Hello <\/span><a href=\"https:\/\/ligaasuransi.com\"><span style=\"font-weight: 400;\">Liga Asuransi<\/span><\/a><span style=\"font-weight: 400;\"> Friends! We&#8217;re delighted to welcome you back to our trusted information channel, which discusses various aspects of risk protection and insurance solutions for the world of logistics and freight forwarding. This time, we&#8217;ll be discussing in depth&#8230;the importance of choosing <\/span><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/marine-cargo-insurance\/\"><span style=\"font-weight: 400;\">freight insurance<\/span><\/a><span style=\"font-weight: 400;\"> right, especially to anticipate risks of damage due to changes in natural properties, such as temperature, humidity, or storage conditions during transit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the risks that often occurs but is often ignored is damage due to changes in the natural properties of goods. In the increasingly complex world of logistics and global trade, transporting goods is more than just getting from point A to point B. Behind the scenes, various hidden risks can lead to significant losses for companies. One of the most common, yet rarely recognized, risks is damage to goods due to changes in natural properties.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many business people do not realize that not all policies of <\/span><b>freight insurance <\/b><span style=\"font-weight: 400;\">will cover damage caused by natural changes such as temperature, humidity, oxidation, or fermentation. These risks can significantly impact the quality, resale value, and suitability of the goods being shipped.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before discussing tips, examples, and recommendations in more depth, it is important for you to understand the basis for protection from transport insurance against the risk of changes in the natural properties of goods. We have covered this specifically in the following main article:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\ud83d\udc49<\/span><a href=\"https:\/\/ligaasuransi.com\/apakah-asuransi-pengangkutan-barang-masih-cover-terhadap-barang-yang-rusak-akibat-perubahan-sifat-secara-alami\/\"><span style=\"font-weight: 400;\"> Does Freight Insurance Still Cover Goods Damaged Due to Natural Changes in Properties?<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">What is meant by natural changes in the world of transportation?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Natural changes in properties refer to physical or chemical transformations that occur naturally in materials due to temperature, humidity, air pressure, or time. For example, palm oil solidifies in cold temperatures, or ground coffee clumps due to high humidity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if these changes are not caused by negligence or accident, their impact can make the goods unsaleable, not meet quality standards, or even have to be thrown away.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Concrete example:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chocolate and milk-based products may melt during shipping without refrigeration.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fresh agricultural products such as fruit and vegetables can rot while delayed at the port.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dried spices or herbs <\/b><span style=\"font-weight: 400;\">can become moldy due to high humidity when passing through tropical climates.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Why Are These Risks Often Not Covered in Conventional Policies?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As discussed in the main article, a standard marine insurance policy typically exclude damage due to changes in natural properties, on the grounds that this is an inherent risk of the goods (inherent vice).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, here are some commonly found exclusion clauses:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage due to natural deterioration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss due to the influence of weather without protective measures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of commercial value due to changes in color, odor, or shape<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, these exceptions don&#8217;t mean you can&#8217;t get coverage. This is where the role of <\/span><b>warranty extension <\/b><span style=\"font-weight: 400;\">and risk mitigation strategies become very important.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">How Can This Risk Remain Tolerable?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have items that are susceptible to damage due to natural changes, there are several strategies you can apply:<\/span><\/p>\n<ol>\n<li><b> Use All Risk Insurance with Expanded Clauses<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">An All Risk policy is more expensive, but its coverage can cover damage due to changes in temperature, humidity, or shipping delays\u2014as long as it is declared correctly.<\/span><\/p>\n<p><b>Recommendation:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consult with <\/span><a href=\"https:\/\/lngrisk.co.id\/\"><b>insurance broker<\/b><\/a><b> experienced <\/b><span style=\"font-weight: 400;\">to negotiate additional clauses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request an extension of the guarantee such as a \u201cperishable cargo clause\u201d or a \u201ctemperature sensitive cargo clause\u201d<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b> Use the Right Packaging and Shipping Route<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Companies must also adjust shipping and packaging methods:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use a reefer container <\/b><span style=\"font-weight: 400;\">for items such as meat, dairy products, or ornamental plants.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add <\/span><b>desiccant <\/b><span style=\"font-weight: 400;\">for dry goods such as coffee or spices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoid <\/span><b>long shipping lanes <\/b><span style=\"font-weight: 400;\">which pass through extreme weather zones whenever possible.<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> Document the condition of the goods before and after<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Photos and inspection reports can be very helpful when filing a claim, especially if there&#8217;s potential for changes in shape or color.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">What Items Are Vulnerable to Damage Due to Natural Changes?<\/span><\/h3>\n<p><b>\ud83d\udd38 Foodstuffs and Agricultural Products<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Including fruits, vegetables, coffee beans, tea, spices, chocolate, powdered milk.<\/span><\/p>\n<p><b>\ud83d\udd38 Chemical Products and Industrial Fluids<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Lubricants, oils, paints, glues, or chemicals that can crystallize or evaporate.<\/span><\/p>\n<p><b>\ud83d\udd38 Medicines and Medical Products<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pharmaceutical products are highly temperature sensitive and require high temperature control.<\/span><\/p>\n<p><b>\ud83d\udd38 Organic Products<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Wood, natural textiles, paper\u2014are easily damp and damaged in extreme temperatures.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Case Study: Major Losses Due to Negligent Protection<\/span><\/h3>\n<h4><span style=\"font-weight: 400;\">\ud83d\udccc Case 1: Spice Exports from Sulawesi to the Netherlands<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">A spice exporter failed to add silica gel and shipped the goods in a regular container. Upon arrival in Rotterdam, the spices developed mold due to the high humidity during the sea journey. The insurance claim was denied due to preventable natural changes in the properties.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">\ud83d\udccc Case 2: Importing Vaccines without Reefer<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">A medical device distributor imported vaccines by sea without refrigerated containers. Due to delays at transit ports, some of the vaccines were damaged by high temperatures. As a result, the distributor lost billions of rupiah and lost a major contract.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Recommendations for Goods Owners and Exporters-Importers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Based on various findings and best practices, here are some concrete recommendations:<\/span><\/p>\n<p><b>\u2705 1. Identify Specific Goods Risks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Know the physical characteristics of your goods\u2014are they susceptible to temperature, humidity, pressure?<\/span><\/p>\n<p><b>\u2705 2. Declare the Goods Clearly in the Policy<\/b><\/p>\n<p><span style=\"font-weight: 400;\">State the type of goods, special needs, and ask for additional clauses in writing.<\/span><\/p>\n<p><b>\u2705 3. Don&#8217;t Just Rely on Default Policies<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Standard policies only provide limited protection.<\/span><b>Use services <\/b><a href=\"https:\/\/lngrisk.co.id\/\"><b>insurance broker<\/b><\/a><span style=\"font-weight: 400;\"> to customize protection to suit your logistics needs.<\/span><\/p>\n<p><b>\u2705 4. Conduct Packaging Audits and Export &#8211; Import SOPs<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Work with logistics to ensure temperature, humidity, and delivery time are controlled.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Why Do Role <\/span><a href=\"https:\/\/lngrisk.co.id\/\"><span style=\"font-weight: 400;\">Insurance Brokers<\/span><\/a><span style=\"font-weight: 400;\"> More Vital?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Brokers are not just police sellers, but <\/span><b>your business risk advisor<\/b><span style=\"font-weight: 400;\">. They can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identifying protection gaps<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assist in negotiating additional clauses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guiding during claims<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide logistics team education on risk mitigation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For example, <\/span><b>L&amp;G Insurance Broker <\/b><span style=\"font-weight: 400;\">has helped various Indonesian export companies tailor protection against the risks of natural changes\u2014especially in the plantation, food, and chemical sectors.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Conclusion<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Changes in natural conditions are a real risk in the transportation industry, especially in tropical countries like Indonesia. This risk can be prevented, managed, and even covered by insurance if you understand how to handle it properly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udccc To understand the coverage limits in a standard policy,read our main article here:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\ud83d\udc49<\/span><a href=\"https:\/\/ligaasuransi.com\/apakah-asuransi-pengangkutan-barang-masih-cover-terhadap-barang-yang-rusak-akibat-perubahan-sifat-secara-alami\/\"><span style=\"font-weight: 400;\"> Does Freight Insurance Still Cover Goods Damaged Due to Natural Changes in Properties?<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">If you want to avoid losses due to misperceptions about insurance coverage, make sure you work with a trusted broker who understands the world of logistics and supply chain.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udcde Contact the L&amp;G Insurance Broker team via WhatsApp at <\/span><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"><span style=\"font-weight: 400;\">0811-850-7773<\/span><\/a><span style=\"font-weight: 400;\"> for a free consultation. Don&#8217;t let one damaged item ruin your entire shipment!<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Hello Liga Asuransi Friends! We&#8217;re delighted to welcome you back to our trusted information channel, which discusses various aspects of risk protection and insurance solutions for the world of logistics and freight forwarding. This time, we&#8217;ll be discussing in depth&#8230;the importance of choosing freight insurance right, especially to anticipate risks of damage due to changes [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":7657,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[200,221,222,481],"class_list":{"0":"post-7656","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-marine-cargo","8":"tag-asuransi-marine-cargo","9":"tag-asuransi-pengangkutan-barang","10":"tag-asuransi-pengiriman-barang","11":"tag-marine-cargo-insurance"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7656","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=7656"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7656\/revisions"}],"predecessor-version":[{"id":7658,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/7656\/revisions\/7658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/7657"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=7656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=7656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=7656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}