{"id":8574,"date":"2025-10-16T08:32:12","date_gmt":"2025-10-16T01:32:12","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8574"},"modified":"2025-10-16T08:32:12","modified_gmt":"2025-10-16T01:32:12","slug":"kenapa-banyak-klaim-asuransi-alat-berat-ditolak-ini-kesalahan-umum-kontraktor","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/kenapa-banyak-klaim-asuransi-alat-berat-ditolak-ini-kesalahan-umum-kontraktor\/","title":{"rendered":"Why Are So Many Heavy Equipment Insurance Claims Rejected? These Are Common Contractor Mistakes!"},"content":{"rendered":"

If you’re a contractor, you know how expensive heavy equipment can be. A single excavator can cost hundreds of millions to billions of rupiah. But what’s even more costly is the time and money lost when your CPM heavy equipment insurance claim is denied.<\/span>
\n<\/span>Unfortunately, cases like this often occur in the field.<\/span><\/p>\n

On many projects, contractors feel secure because their heavy equipment is “insured.” But when a disaster strikes, whether an excavator rolls over, a crane falls, or a bulldozer catches fire, their claims are rejected. The reasons vary: “incomplete documents,” “does not meet policy requirements,” “exclusions apply,” and so on.<\/span><\/p>\n

The problem is, many contractors purchase policies directly from agents or insurance companies without understanding the details of the clauses. When a claim arises, they’re left confused because there’s no one to help them handle it or advocate for their interests with the insurance company.<\/span><\/p>\n

This is where the role of insurance brokers like L&G Insurance Broker comes in.<\/span>game changer<\/span><\/i>.<\/span>
\n<\/span>Brokers are not policy selling agents. Brokers work for the insured (contractor), not for the insurance company.<\/span>
\n<\/span>This means that the broker will be the one to assist you from the start: from selecting the right policy, ensuring that the coverage meets your project’s needs, to assisting you in getting your claim disbursed quickly and without any hassle.<\/span><\/p>\n

So, before you experience a big loss due to a failed claim, let’s first understand the common mistakes contractors often make when <\/span>CPM heavy equipment insurance claims<\/span><\/a> rejected.<\/span><\/p>\n

Need a free consultation regarding your CPM heavy equipment insurance claim or want to know the most appropriate policy for your project? Contact our team of experts <\/span>L&G Insurance Broker<\/span><\/a> on WhatsApp <\/span>08118507773<\/span><\/a> or email to halo@lngrisk.co.id.<\/span>
\n<\/span>We help from the beginning until the claim is disbursed without any consultation fees.<\/span><\/p>\n

This Is Why Many Heavy Equipment Insurance Claims Are Rejected<\/b><\/h3>\n

1. Choosing the Wrong Policy Type \u2014 Insurance Doesn’t Cover All Risks<\/b><\/h3>\n

The most common and fatal mistake is that contractors choose the wrong type of insurance. Many think that simply buying <\/span>Motor Vehicle Insurance to<\/span><\/i> protect excavators, bulldozers, and dump trucks. But that’s a big mistake.<\/span><\/p>\n

Heavy project equipment such as excavators, cranes, or rollers cannot be insured with a regular vehicle policy, because:<\/span><\/p>\n