{"id":9259,"date":"2025-12-02T16:16:16","date_gmt":"2025-12-02T09:16:16","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9259"},"modified":"2025-12-02T16:16:16","modified_gmt":"2025-12-02T09:16:16","slug":"risiko-tersembunyi-yang-mengancam-bisnis-vietnam-di-indonesia-dan-bagaimana-asuransi-bisa-menyelamatkan-anda","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/risiko-tersembunyi-yang-mengancam-bisnis-vietnam-di-indonesia-dan-bagaimana-asuransi-bisa-menyelamatkan-anda\/","title":{"rendered":"Hidden Risks Threatening Vietnamese Businesses in Indonesia\u2014And How Insurance Can Save You"},"content":{"rendered":"

When a Vietnamese logistics company opened a distribution hub in Bekasi to support its e-commerce expansion in Indonesia, everything seemed to be going smoothly. Freight volumes steadily increased, and new clients arrived from Jakarta, Surabaya, and even Medan.<\/span><\/p>\n

However, they unwittingly discovered that their warehouse was located in a flood-prone area. One night of heavy rain, the water overflowed, flooding the warehouse floor to knee-deep depths. Thousands of packages were damaged, dozens of shelves collapsed, and the main forklift was rendered unusable.<\/span><\/p>\n

Losses are estimated to reach Rp. 6.5 billion.<\/span><\/p>\n

Worse still, the company only had standard basic fire insurance, not Property All Risks (PAR) coverage, which covers floods and operational damage. Because the policy was inaccurate, some claims were denied.<\/span><\/p>\n

This incident became an expensive lesson:<\/span><\/p>\n

The biggest risks in business are not the visible ones, but the hidden ones.<\/span><\/p>\n

And only the right policy can save the company.<\/span><\/p>\n

Indonesia: A Large Market With Unique Risks<\/span><\/h3>\n

Indonesia provides great opportunities for Vietnamese entrepreneurs:<\/span><\/p>\n

    \n
  1. The largest population in ASEAN<\/span><\/li>\n
  2. Stable economic growth<\/span><\/li>\n
  3. The digital market is growing rapidly<\/span><\/li>\n
  4. Logistics infrastructure continues to improve<\/span><\/li>\n
  5. The energy and manufacturing sectors are growing rapidly<\/span><\/li>\n<\/ol>\n

    But Indonesia also has <\/span>unique risks <\/b>which is not available in many other countries:<\/span><\/p>\n

      \n
    1. Ring of Fire \u2192 earthquakes, volcanic eruptions<\/span><\/li>\n
    2. Extreme rainfall \u2192 floods & landslides<\/span><\/li>\n
    3. Uneven infrastructure<\/span><\/li>\n
    4. High risk of electrical shock & short circuit<\/span><\/li>\n
    5. Social risks such as theft and riots<\/span><\/li>\n<\/ol>\n

       <\/p>\n

      This is what Vietnamese investors often don’t realize\u2014until something bad happens.<\/span><\/p>\n

      12 Hidden Risks Often Ignored by Vietnamese Entrepreneurs in Indonesia<\/span><\/h3>\n

      Here is a list of risks that are invisible but often cause major losses:<\/span><\/p>\n

        \n
      1. Electrical short circuits are the most common cause of factory fires in Indonesia.<\/span><\/li>\n
      2. Flood Risks Not Mentioned in Area Brochures. Many industrial area developers fail to disclose the level of flood risk.<\/span><\/li>\n
      3. Production Machine Failure. Especially machines imported from Vietnam, China, or Korea without MB protection.<\/span><\/li>\n
      4. Business Interruption. This loss is usually greater than physical damage.<\/span><\/li>\n
      5. Supply Chain Risk. Delays in overseas supplies can result in contractual penalties.<\/span><\/li>\n
      6. Damage During New Machine Installation. Major risks during commissioning or testing.<\/span><\/li>\n
      7. Logistics Risks on Indonesian Roads: Truck overturns, theft, container falls, forklift accidents.<\/span><\/li>\n
      8. Third Party Claims (Liability). Claims from the public or vendors can reach billions of rupiah.<\/span><\/li>\n
      9. Legal Risks Due to Mismanagement (D&O). Directors can be sued personally.<\/span><\/li>\n
      10. Cyber \u200b\u200bRisk: Ransomware attacks are on the rise in Southeast Asia.<\/span><\/li>\n
      11. Earthquakes. Almost all of Indonesia is in a disaster-prone zone.<\/span><\/li>\n
      12. Human Error. A forklift operator, technician, or security guard makes a small mistake that has a big impact.<\/span><\/li>\n<\/ol>\n

        All of these risks can bring business operations to a halt in a matter of hours if not protected.<\/span><\/p>\n

         <\/p>\n

        Insurance Solutions That Eliminate Hidden Risks<\/span><\/h3>\n

        Each of the risks above can be covered with the right insurance program. Here’s the best coverage:<\/span><\/p>\n

          \n
        1. Industrial All Risks (IAR) \/ Property All Risks (PAR)<\/b><\/li>\n<\/ol>\n

          Protect factories, warehouses and offices from almost all physical risks.<\/span><\/p>\n

          Ensure:<\/span><\/p>\n