{"id":8837,"date":"2025-10-29T13:37:19","date_gmt":"2025-10-29T06:37:19","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8837"},"modified":"2025-10-29T13:37:19","modified_gmt":"2025-10-29T06:37:19","slug":"ribuan-alat-berat-china-di-indonesia-berisiko-besar-tanpa-perlindungan-asuransi-yang-tepat","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/ribuan-alat-berat-china-di-indonesia-berisiko-besar-tanpa-perlindungan-asuransi-yang-tepat\/","title":{"rendered":"Thousands of Chinese Heavy Equipment in Indonesia Are at Great Risk Without Proper Insurance Coverage!"},"content":{"rendered":"

<\/p>\n

Chinese Heavy Equipment Invasion of Indonesian Projects<\/b><\/h3>\n

In the last decade, Indonesia has become the main field of expansion for heavy equipment giants from China.<\/span><\/p>\n

Names like SANY, XCMG, Zoomlion, Liugong, SDLG, Shantui, Lonking, Lovol, Foton, XGMA, and Yutong are now common sights in mining projects, dam construction, road infrastructure, and large energy projects across the archipelago.<\/span><\/p>\n

With competitive prices, soft financing, and improved technology, heavy equipment from China has become the primary choice for many contractors and distributors.<\/span><\/p>\n

However, amidst this boom, a major, often unseen threat has emerged: thousands of Chinese heavy equipment units in Indonesia are not properly insured.<\/span><\/p>\n

Many owners and distributors only realize when an accident occurs \u2014 equipment is damaged, burned, or sunk \u2014 only to have their insurance claims denied.<\/span><\/p>\n

And what’s more ironic, most of these cases could have been avoided if they had worked with a professional insurance broker like L&G Insurance Broker from the start.<\/span><\/p>\n

Shocking Fact: The Police Exist, But They Don’t Provide Real Protection<\/b><\/h2>\n

Many heavy equipment companies or distributors feel calm because they \u201calready have insurance\u201d.<\/span><\/p>\n

But when a major loss occurs, it is realized that the policy they have does not cover the actual risks they face.<\/span><\/p>\n

Real cases handled by L&G Insurance Broker show the same pattern:<\/span><\/p>\n

    \n
  • There is heavy equipment that is covered by a Fire & Allied Perils policy, even though it should be covered by a Contractor’s Plant & Machinery (CPM) policy.<\/span><\/li>\n
  • Many policies do not include Operational Risk Extension, so damage while the equipment is in operation is not recognized.<\/span><\/li>\n
  • There is also heavy equipment that is insured using a motor vehicle policy, which legally does not apply to heavy equipment, so the claim is automatically void.<\/span><\/li>\n<\/ul>\n

    As a result, customers who have paid premiums for years do not receive a single penny in compensation when losses occur.<\/span><\/p>\n

    Why Do Many Chinese Heavy Equipment Companies Have Wrong Insurance Strategies?<\/b><\/h2>\n

    This problem is not because the insurance product is bad, but because the policy closing strategy was wrong from the start.<\/span><\/p>\n

    Following are the most common causes found in the field:<\/span><\/p>\n

    1. Managing Insurance Yourself Without Expert Assistance<\/b><\/h3>\n

    Many distributors and contractors close policies directly with insurance companies without going through a broker.<\/span><\/p>\n

    The motivation is simple: to be fast and cost-effective.<\/span><\/p>\n

    But that decision actually opens up huge risks \u2014 because they don’t understand the difference between \u201cinsurance that is issued\u201d and \u201cinsurance that actually protects.\u201d<\/span><\/p>\n

    As a result, the policy held only appears to be administratively valid, but does not guarantee the actual risk.<\/span><\/p>\n

    2. Relying on Personal Agents Who Lack Technical Competence<\/b><\/h3>\n

    Many companies use insurance agents who are colleagues or personal acquaintances.<\/span><\/p>\n

    The problem is, most agents don’t have:<\/span><\/p>\n