{"id":8007,"date":"2025-09-29T07:55:51","date_gmt":"2025-09-29T00:55:51","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8007"},"modified":"2025-09-29T07:55:51","modified_gmt":"2025-09-29T00:55:51","slug":"cara-menghitung-biaya-premi-asuransi-marine-cargo-untuk-komoditas-ekspor","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/cara-menghitung-biaya-premi-asuransi-marine-cargo-untuk-komoditas-ekspor\/","title":{"rendered":"How to Calculate Marine Cargo Insurance Premiums for Export Commodities"},"content":{"rendered":"

\u00a0– Among exporters, there is often debate about costs.freight insurance (<\/span>insurance cost<\/span><\/i>) versus potential losses. Many consider <\/span>Marine Cargo Insurance<\/span><\/a> as an unnecessary additional expense, especially if their shipping history has been smooth. However, this view is deeply flawed and dangerous. Ignoring the risks in international logistics is a gamble that can destroy a business in an instant\u2014a risk that far outweighs the premium costs.<\/span><\/p>\n

This article will conduct an in-depth analysis to prove that marine cargo insurance premiums are a very minimal investment compared to the maximum protection they offer. We will analyze the cost-benefit comparison and explain in detail how to calculate your cargo insurance premiums. With expert assistance from insurance brokers like <\/span>L&G Insurance Broker<\/span><\/a>, you will see why marine cargo insurance is the smartest investment any exporter can make.<\/span><\/p>\n

Unpacking the Basic Components of Marine Cargo Insurance Premiums<\/b><\/h3>\n

Many exporters are surprised to learn that <\/span>marine cargo insurance premiums<\/b><\/a> are relatively small compared to the total value of the exported commodities. In general, marine cargo insurance premiums typically only range from 0.15% of the total cargo value.<\/span><\/p>\n

A. Quantitative Formula: How to Calculate Cargo Insurance Premium Costs<\/b><\/h4>\n

To understand To calculate cargo insurance premium costs, you must first understand the components of the insured value., which is calculated based on international trade standards (Incoterms):<\/span><\/p>\n

Net Premium = Covered Value \u00d7 Insurance Premium Rate<\/span><\/p>\n

Total Premium Paid = Net Premium + Administration Fee<\/span><\/p>\n

B. Example of Premium Estimation Calculation for Export Commodities (Coffee\/Tea)<\/b><\/h4>\n

Let’s use the example of estimating the premium calculation for shipping.<\/span>robusta coffee<\/b>to the global market, with an estimated rate<\/span>0,15%<\/b>(using Rupiah currency):<\/span><\/p>\n

Premium Estimation Calculation Example<\/b><\/h4>\n

Let’s use an example of estimating the premium calculation for a load of robusta coffee with the data you provided:<\/span><\/p>\n