{"id":9081,"date":"2025-11-12T22:57:30","date_gmt":"2025-11-12T15:57:30","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9081"},"modified":"2025-11-12T22:57:30","modified_gmt":"2025-11-12T15:57:30","slug":"pabrik-terbakar-klaim-gagal-dibayar-pengusaha-asal-china-di-indonesia-wajib-baca-ini-sebelum-terlambat","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/pabrik-terbakar-klaim-gagal-dibayar-pengusaha-asal-china-di-indonesia-wajib-baca-ini-sebelum-terlambat\/","title":{"rendered":"Factory Fire Fails to Pay Claims! Chinese Entrepreneurs in Indonesia Must Read This Before It’s Too Late"},"content":{"rendered":"

A night in the Cikarang industrial area turned into a nightmare for a Chinese businessman. The factory, which had only been operating for a year, produced…<\/span>plastic molding for<\/span><\/i> automotive components, was suddenly engulfed in flames. In less than two hours, the building, worth tens of millions of dollars, was destroyed.<\/span><\/p>\n

The management team immediately contacted the insurance company. They were confident the claim would go smoothly because they had purchased a policy.<\/span>Property All Risks through<\/span><\/i> a local agent. But three months later, shocking news came:<\/span><\/p>\n

\u201cThe claim cannot be paid because the investigation results show that the fire protection system was not active and there were no routine inspections as stated in the policy.\u201d<\/span><\/p>\n

The businessman was devastated. He felt cheated\u2014even though he had already paid a high premium. However, upon further investigation, it turned out the policy was drawn up without the assistance of a licensed broker, and the agent who sold the policy had never conducted a risk assessment before issuing it.<\/span><\/p>\n

As a result, the factory, which should have been able to recover with insurance support, instead suffered losses of up to USD 15 million.<\/span><\/p>\n

Common Mistakes Chinese Entrepreneurs Make in Arranging Factory Insurance<\/span><\/h3>\n

Many Chinese businessmen come to Indonesia with the belief that the insurance process here is the same as in China \u2014 fast, practical, and can be entrusted to agents or acquaintances.<\/span><\/p>\n

However, in Indonesia, the insurance legal system is very different and strict. The Financial Services Authority (OJK) has clear regulations regarding who has the authority to manage the interests of the insured and who represents the insurance company.<\/span><\/p>\n

Common mistakes include:<\/span><\/p>\n

    \n
  1. Using an agent without official permission from the OJK \u2013 even though the agent only represents the insurance company.<\/span><\/li>\n
  2. Standard policy without factory risk analysis \u2013 does not assess electrical capacity, raw materials, or fire protection systems.<\/span><\/li>\n
  3. Does not include important clauses, such as:<\/span><\/li>\n<\/ol>\n