{"id":9094,"date":"2025-11-13T12:46:03","date_gmt":"2025-11-13T05:46:03","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9094"},"modified":"2025-11-13T12:46:03","modified_gmt":"2025-11-13T05:46:03","slug":"kapal-tenggelam-barang-hilang-klaim-asuransi-gagal-dibayar-pengusaha-asal-china-di-indonesia-wajib-pahami-risiko-ini","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/kapal-tenggelam-barang-hilang-klaim-asuransi-gagal-dibayar-pengusaha-asal-china-di-indonesia-wajib-pahami-risiko-ini\/","title":{"rendered":"Ship Sinks, Goods Lost! Insurance Claims Failed, Chinese Businesspeople in Indonesia Must Understand These Risks"},"content":{"rendered":"<p><b>Jakarta &#8211; <\/b><span style=\"font-weight: 400;\">Every year, hundreds of Chinese companies ship thousands of tons of heavy equipment, machinery, and raw materials to Indonesia. These goods form the backbone of major projects in the energy, mining, and infrastructure sectors. However, behind this smooth logistics chain lies one significant, often underestimated risk: losses from maritime accidents that are not properly covered by insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. When the Sea Swallows Millions of Dollars Worth of Goods<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Early last year, a Chinese construction company imported heavy equipment worth more than USD 7 million for a construction project.<\/span><i><span style=\"font-weight: 400;\">power plant in<\/span><\/i><span style=\"font-weight: 400;\"> Sulawesi. The goods were shipped by cargo ship from Guangzhou to Makassar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, en route, the ship encountered a major storm in the Natuna Sea, causing some of the containers to be thrown overboard. Several units of heavy equipment were severely damaged, and some were even lost completely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The project team immediately filed a claim with the local insurance company through their agent. However, their claim was denied.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reason:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The policy only covers the risk, port-to-port, not door-to-door.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no extension of the guarantee against \u201c<\/span><i><span style=\"font-weight: 400;\">heavy lift cargo<\/span><\/i><span style=\"font-weight: 400;\">\u201d or high-risk goods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The policy was purchased through a general agent who did not understand the technical specifications of heavy equipment.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">&#8220;We were really shocked,&#8221; he said <\/span><i><span style=\"font-weight: 400;\">Mr. Zhang<\/span><\/i><span style=\"font-weight: 400;\">, Logistics Manager of the company.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8220;In China, insurance agents usually help you process claims directly. We just learned in Indonesia that if the wording is even slightly wrong, the whole thing can be canceled.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Losses reached more than Rp 100 billion and caused project delays of up to four months.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Common Mistakes Chinese Entrepreneurs Make in Transportation Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The case above illustrates a classic mistake often made by Chinese entrepreneurs in Indonesia in managing marine cargo insurance.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Misunderstanding the Indonesian insurance system<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In Indonesia, the roles of agents and brokers differ significantly. Agents work for insurance companies, while brokers registered with the OJK represent the insured.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">When a claim occurs, agents tend to protect the interests of the insurance company \u2014 not the business owner.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Police bought without risk analysis<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each item has different risk characteristics: heavy equipment, industrial machinery, chemicals, or high-value spare parts. Without a survey and risk analysis before shipment, there&#8217;s a high chance of gaps in the policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lack of communication between the Chinese team and local parties<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Differences in language and business culture often lead to misunderstandings in reading policy details.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8220;As a translator, I often see differences in understanding,&#8221; he said <\/span><i><span style=\"font-weight: 400;\">Ms. Mei<\/span><\/i><span style=\"font-weight: 400;\">, project translator assigned to Makassar port.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8220;Many legal and technical terms are difficult to translate into Mandarin. As a result, Chinese teams sometimes sign policies without fully understanding the terms.&#8221;<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Why OJK Establishes Official Broker Rules<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To prevent such losses, the Financial Services Authority (OJK) has explicitly regulated through POJK No. 24 of 2023 that insurance brokers have the following primary functions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analyze the risks and needs of the insured,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiating the best premiums and policy wording,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accompany the claim process until completion, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protecting the interests of the insured (entrepreneur).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This means that, in the Indonesian legal system, an OJK-approved broker is not merely an intermediary, but rather a professional advisor working for the insured party.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For foreign entrepreneurs, including those from China, working with an authorized broker will ensure compliance with Indonesian law and maximum protection against business risks.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. The Real Role of an Authorized Broker: A Case Study of L&amp;G Insurance Broker<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One example of success comes from a project to ship giant turbine components from Shanghai to East Kalimantan. The goods, valued at USD 15 million, were shipped by special vessel, posing significant risks, including: <\/span><i><span style=\"font-weight: 400;\">heavy lift<\/span><\/i><span style=\"font-weight: 400;\">, extreme weather, and risks-transshipment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This project utilizes the services of an Insurance Broker, an official broker registered with the OJK. From the outset, the brokerage team has:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shipping route analysis to map weather and port risks,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiation of wording of marine cargo all risk policy, with additional<\/span><i><span style=\"font-weight: 400;\"> risk<\/span><\/i><span style=\"font-weight: 400;\"> and <\/span><i><span style=\"font-weight: 400;\">strike clause<\/span><\/i><span style=\"font-weight: 400;\">,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical coordination with logistics companies to ensure shipping documentation meets claim standards, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim handling simulation so that all parties know the procedure from the start.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Several weeks later, one of the containers was damaged during unloading at the destination port. Because the documentation was complete and the policy wording clear, the claim was approved in less than 30 days.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;We don&#8217;t need to go back and forth negotiating, everything goes quickly and professionally,&#8221; he said <\/span><i><span style=\"font-weight: 400;\">Mr. Zhang <\/span><\/i><span style=\"font-weight: 400;\">who is also involved in the project.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8220;Brokers like L&amp;G really understand how insurance works in Indonesia. We feel much safer.&#8221;<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. The Digital Era: Claims Processing is Now Faster and More Transparent<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the important advantages of a modern authorized broker such as L&amp;G Insurance Broker is the ability to digitalize the insurance process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All stages \u2014 from policy application, premium comparison, delivery monitoring, to claim reporting \u2014 can now be done online through a secure digital dashboard.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The benefits:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no more miscommunication between China and Indonesia,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All documents can be translated and uploaded directly,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim status can be monitored in real-time, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full transparency for every stage of administration.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">With this system, entrepreneurs no longer have to wait long to find out the progress of their claims or the status of their policies.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">6. Financial Risks Due to Failed Claims<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Losses resulting from failed cargo insurance claims can be substantial, especially on cross-border projects. The impacts include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct loss of lost or damaged goods,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional replacement and logistics costs,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Project delay fines, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disruption of business relations with the project owner or main contractor.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In today&#8217;s fast-paced global business world, one failed claim can mean reputational damage and loss of investor confidence.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">7. Solution: Use an Official Insurance Broker Registered with the OJK<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To avoid such losses, Chinese entrepreneurs in Indonesia need to ensure that any insurance arrangements\u2014especially for marine cargo, logistics, and transport risks\u2014are made through an official broker registered with the OJK.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G Insurance Broker is one of the leading brokers in Indonesia with extensive experience in marine insurance, heavy equipment, and energy project insurance.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">L&amp;G assists clients from the initial stage to claim settlement, with a professional, transparent approach and in accordance with OJK regulations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G&#8217;s flagship services include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-depth risk analysis for each cargo type and route,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiate the best premiums and policy clauses,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Professional and fast claims assistance, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital systems for efficient cross-border communication.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">8. Conclusion: Don&#8217;t Wait for Losses to Happen<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In the world of logistics and international trade, every shipment is a big gamble.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">For Chinese entrepreneurs operating in Indonesia, understanding local regulations and using a licensed insurance broker is not only a smart decision \u2014 it&#8217;s also strategic protection for multi-million dollar investments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;The sea can bring good fortune, but it can also swallow up your investment,&#8221; he said.<\/span><i><span style=\"font-weight: 400;\">Mr. Zhang<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u201cWith a licensed broker like L&amp;G Insurance Broker, we know our protection is real, not just a promise on paper.\u201d<\/span><\/p>\n<p><b>L&amp;G Insurance Broker<\/b><span style=\"font-weight: 400;\">\u2014 an official broker registered with the OJK, a trusted partner to protect every Chinese entrepreneur in Indonesia from shipping risks, losses, and claim failures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<p><b>DON&#8217;T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.<\/b><\/p>\n<p><b>HOTLINE L&amp;G 24 JAM:<\/b><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"><b> 0811-8507-773<\/b><\/a><b> (CALL \u2013 WHATSAPP \u2013 SMS)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Website: <\/span><a href=\"http:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\">lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:halo@lngrisk.co.id\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Jakarta &#8211; Every year, hundreds of Chinese companies ship thousands of tons of heavy equipment, machinery, and raw materials to Indonesia. These goods form the backbone of major projects in the energy, mining, and infrastructure sectors. However, behind this smooth logistics chain lies one significant, often underestimated risk: losses from maritime accidents that are not [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9095,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1156],"tags":[162,201,1426],"class_list":{"0":"post-9094","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-asuransi-marine-hull-general-insurance","8":"tag-asuransi-kapal","9":"tag-asuransi-marine-hull","10":"tag-china"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9094"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9094\/revisions"}],"predecessor-version":[{"id":9096,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9094\/revisions\/9096"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9095"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}