{"id":9078,"date":"2025-11-12T22:52:30","date_gmt":"2025-11-12T15:52:30","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9078"},"modified":"2025-11-12T22:52:30","modified_gmt":"2025-11-12T15:52:30","slug":"barang-impor-rusak-tapi-klaim-gagal-dibayar-ini-kesalahan-klasik-pengusaha-asal-china-di-indonesia","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/barang-impor-rusak-tapi-klaim-gagal-dibayar-ini-kesalahan-klasik-pengusaha-asal-china-di-indonesia\/","title":{"rendered":"Damaged Imported Goods, But Claims Fail to Be Paid! This Is a Classic Mistake Chinese Entrepreneurs Make in Indonesia"},"content":{"rendered":"

Imagine you’re a Chinese businessman who has just exported 10 containers of factory machinery to Indonesia. The machinery, valued at over USD 5 million, will be used for a large manufacturing project in an industrial area in West Java.<\/span><\/p>\n

Everything went smoothly until the ship arrived at port. But when the container was opened, everyone was shocked\u2014some of the machinery was submerged in seawater, the electronic components were rusted, and some parts were broken from the heavy impacts during the journey.<\/span><\/p>\n

You immediately contact the insurance company, believing that the policy <\/span>Marine Cargo Insurance <\/span><\/i>will bear all the losses. But a few weeks later, you receive devastating news:<\/span><\/p>\n

\u201cThe claim cannot be paid because the policy does not cover the risk <\/span>improper packing<\/span><\/i> and <\/span>moisture damage<\/span><\/i>.\u201d<\/span><\/p>\n

You’re speechless. The policy prepared by the local agent turns out to be inappropriate for the characteristics of the goods and doesn’t cover the most common risks in tropical ocean shipping.<\/span><\/p>\n

Millions of dollars in losses went unclaimed. Projects were delayed. All because of one thing: choosing the wrong insurance company.<\/span><\/p>\n

Classic Mistakes Often Made by Chinese Entrepreneurs in Indonesia<\/span><\/h3>\n

Cases like this are not uncommon. Many Chinese businesspeople come to Indonesia believing that the insurance system here is the same as in China\u2014fast, simple, and can be resolved directly with an agent or acquaintance.<\/span><\/p>\n

However, in Indonesia, the legal and regulatory structure of insurance is very different. Many agents operate without official OJK (Financial Services Authority) permits and don’t even understand the technical details of international transportation. As a result, they simply sell standard policies without performing risk analysis.<\/span><\/p>\n

The most common errors include:<\/span><\/p>\n