{"id":8946,"date":"2025-11-04T16:48:14","date_gmt":"2025-11-04T09:48:14","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8946"},"modified":"2025-11-04T16:48:14","modified_gmt":"2025-11-04T09:48:14","slug":"ketika-klaim-asuransi-konstruksi-di-bekasi-berlarut-larut-apakah-ini-salah-anda-atau-sistemnya","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/ketika-klaim-asuransi-konstruksi-di-bekasi-berlarut-larut-apakah-ini-salah-anda-atau-sistemnya\/","title":{"rendered":"When Construction Insurance Claims in Bekasi Drag on: Is It Your Fault or the System’s?"},"content":{"rendered":"

<\/p>\n

Between the Promise of Protection and the Reality on the Ground<\/span><\/h3>\n

For many contractors, developers, and project owners in Bekasi and the surrounding areas, project insurance is a mandatory form of protection. From factory building projects in Cikarang to warehouse construction in Delta Silicon to industrial estate infrastructure projects in Jababeka, all require insurance coverage such as Contractor’s All Risks (CAR) and Erection All Risks (EAR).<\/span><\/p>\n

But what happens when your project insurance claim isn’t resolved? It’s been months since the claim was filed, but the compensation still hasn’t been paid out.<\/span>
\n<\/span>Documents are requested repeatedly, the insurance company keeps delaying, and your project is forced to stop midway.<\/span><\/p>\n

The question is: is this your fault, or is the system simply not on your side?<\/span><\/p>\n

To answer that, let’s take a deeper look\u2014including how PT. Liberty and General Insurance Broker (L&G Insurance Broker) helps many contractors and project owners in Bekasi deal with issues like this.<\/span><\/p>\n

Why Are Project Insurance Claims So Slow in Bekasi?<\/span><\/h3>\n

Bekasi is one of the most active construction areas in Indonesia.<\/span>
\n<\/span>However, many projects in the region suffer from the same insurance claims challenges: long, complicated, and uncertain processes.<\/span>
\n<\/span>Here are some of the main causes.<\/span><\/p>\n

    \n
  1. Lack of Professional Guidance from the Start<\/b><\/li>\n<\/ol>\n

    Most companies purchase project insurance policies directly from insurance companies or through agents. Unfortunately, neither party truly helps them understand the contractual clauses and responsibilities.<\/span><\/p>\n

    For example, on a warehouse construction project in Cibitung, the contractor assumed the CAR policy covered all risks. When the roof collapsed due to heavy rain, the insurer denied the claim, claiming the damage was due to a “design failure.”<\/span>
    \n<\/span>In fact, if the police were structured correctly from the beginning (adding<\/span>Design Defect Clause<\/span><\/i>), the claim should be paid.<\/span><\/p>\n

    This is where brokers like L&G come in: not just selling the policy, but ensuring every clause is tailored to the project’s needs.<\/span><\/p>\n

      \n
    1. Claim Documents Not Ready or Incomplete<\/b><\/li>\n<\/ol>\n

      Insurance companies require detailed documentation:<\/span><\/p>\n

        \n
      • Complete incident report<\/span><\/li>\n
      • Photos and videos of the incident<\/span><\/li>\n
      • Contractor’s statement letter<\/span><\/li>\n
      • Reports from third parties (engineers or loss adjusters)<\/span><\/li>\n<\/ul>\n

        The problem is, many contractors don’t know what kind of document standards are considered valid.<\/span>
        \n<\/span>Eventually, claims were repeatedly returned, and the process became very long.<\/span><\/p>\n

        L&G Insurance Broker helps clients prepare all claim documents according to the format and language accepted by the insurer, so that claims can be approved more quickly and without back and forth.<\/span><\/p>\n

          \n
        1. Slow Communication Between Contractors and Insurance Companies<\/b><\/li>\n<\/ol>\n

          In many cases, the insurer asks for clarification or additional evidence, but no one is actually responsible for following up.<\/span>
          \n<\/span>Contractors are busy in the field, while insurance companies have their own schedules.<\/span><\/p>\n

          As a result, communication is hampered and claims are stopped midway.<\/span>
          \n<\/span>Brokers like L&G act as active liaisons, ensuring every request is answered quickly and every step is confirmed.<\/span>
          \n<\/span>That way, no time is wasted due to miscommunication.<\/span><\/p>\n

            \n
          1. Interpretation of Clauses that are Detrimental to Clients<\/b><\/li>\n<\/ol>\n

            The clauses in a construction insurance policy are technical and legalistic in nature.<\/span>
            \n<\/span>One word can change the meaning of the entire coverage.<\/span>
            \n<\/span>Without professional guidance, clients are often unaware that insurers are interpreting clauses in a way that reduces their rights.<\/span><\/p>\n

            For example:<\/span>
            \n<\/span>A boiler machine erection project in East Bekasi experienced damage during testing.<\/span>
            \n<\/span>The insurance company rejected the claim on the grounds that \u201cthe testing period was not included in the coverage period.\u201d<\/span>
            \n<\/span>In fact, if a broker had been involved in drafting the policy, the \u201ctesting & commissioning period\u201d clause would have been included from the start.<\/span><\/p>\n

            Real Case: Logistics Warehouse Project in Cikarang<\/b><\/p>\n

            One of L&G’s clients is a large construction company building a logistics warehouse complex in the Cikarang industrial area.<\/span><\/p>\n

            Midway through the project, a section of the steel structure collapsed due to a temporary installation error. Losses reached Rp 8 billion, including material costs and rework time.<\/span><\/p>\n

            They immediately reported to the insurance company, but the claims process was very slow:<\/span><\/p>\n

              \n
            • 2 weeks for document collection<\/span><\/li>\n
            • 1 month waiting for the surveyor<\/span><\/li>\n
            • 2 months clarification process<\/span><\/li>\n
            • 1 more month for the adjuster’s report revision<\/span><\/li>\n<\/ul>\n

              After 4 months, the claim has not been paid out.<\/span>
              \n<\/span>Projects stall, subcontractors sue, and clients lose their reputation with the project owner.<\/span><\/p>\n

              Finally, L&G was called in to help.<\/span>
              \n<\/span>The L&G team immediately took the following steps:<\/span><\/p>\n

                \n
              1. Review the claim documents and correct any deficiencies.<\/span><\/li>\n
              2. Arrange direct communication with loss adjusters and insurers.<\/span><\/li>\n
              3. Negotiate the value of the loss based on the conditions of the contract and policy.<\/span><\/li>\n<\/ol>\n

                Within 6 weeks of L&G’s entry, the claim was approved and payment was made.<\/span>
                \n<\/span>The contractor can continue the project without financial disruption.<\/span><\/p>\n

                This case is clear evidence that insurance claims are not just about \u201cwho is right or wrong\u201d, but about who is on your side.<\/span><\/p>\n

                The Strategic Role of PT. Liberty and General Insurance Broker (L&G)<\/span><\/h3>\n

                As a professional insurance broker, L&G is not a representative of an insurance company \u2014 but an independent advisor tasked with protecting your interests as a client.<\/span><\/p>\n

                Here are some of L&G’s vital roles in addressing construction claims issues in Bekasi:<\/span><\/p>\n

                  \n
                1. Establishing the Right Police from the Start<\/b><\/li>\n<\/ol>\n

                  L&G conducts a risk assessment at the project site before the policy is drawn up.<\/span>
                  \n<\/span>As a result, all relevant potential risks will be covered, such as:<\/span><\/p>\n