{"id":9262,"date":"2025-12-02T16:57:06","date_gmt":"2025-12-02T09:57:06","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9262"},"modified":"2025-12-02T16:57:06","modified_gmt":"2025-12-02T09:57:06","slug":"perlindungan-asuransi-terbaik-untuk-pengusaha-taiwan-di-indonesia-panduan-lengkap-melindungi-aset-proyek-dan-liability","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/perlindungan-asuransi-terbaik-untuk-pengusaha-taiwan-di-indonesia-panduan-lengkap-melindungi-aset-proyek-dan-liability\/","title":{"rendered":"The Best Insurance Coverage for Taiwanese Entrepreneurs in Indonesia: A Complete Guide to Protecting Assets, Projects, and Liabilities"},"content":{"rendered":"

On a quiet morning in the Cikarang industrial area, <\/span>Mr. Liang <\/span><\/i>A Taiwanese businessman received a heart-stopping phone call. His electronics factory, which had only been operating for two years, had experienced an electrical short circuit, causing a fire on one of the production lines.<\/span><\/p>\n

The losses are not yet great, but there are much more serious problems:<\/span>
\n<\/span>insurance claim rejected.<\/span><\/p>\n

The reason is simple but very fatal:<\/span>
\n<\/span>The policy he bought does not coverRSMD\/CC(damage due to short circuit).<\/span><\/p>\n

\u201cHow is that possible?\u201d he thought. He paid tens of millions in premiums, but when he needed them most, his policy didn\u2019t work.<\/span><\/p>\n

This kind of situation is common among foreign entrepreneurs, including Taiwanese, when conducting business in Indonesia. This is the starting point for why discussing asset, project, and liability insurance coverage is so crucial for Taiwanese investors.<\/span><\/p>\n

 <\/p>\n

Indonesia: Big Opportunities, Big Risks<\/span><\/h3>\n

Indonesia is a paradise of opportunities for Taiwanese companies:<\/span><\/p>\n

    \n
  1. Electronics & components industry<\/span><\/li>\n
  2. Manufacturing (plastics, textiles, food)<\/span><\/li>\n
  3. Renewable energy<\/span><\/li>\n
  4. Industrial property<\/span><\/li>\n
  5. Logistics & export-import<\/span><\/li>\n
  6. Infrastructure and EPC<\/span><\/li>\n<\/ol>\n

     <\/p>\n

    However, behind these opportunities lie significant risks that should not be underestimated. These risks differ even from those encountered in Taiwan, primarily due to Indonesia’s geography, infrastructure, and operational characteristics.<\/span><\/p>\n

     <\/p>\n

    Key Risks Faced by Taiwanese Entrepreneurs Based on Industry Type<\/span><\/h3>\n

    The following is a summary of the most critical risks, which will be the backbone in determining the type of insurance you must have.<\/span><\/p>\n

      \n
    1. Electronics & Components Industry<\/b><\/li>\n<\/ol>\n

      Examples: PCB factories, computer components, electronic modules.<\/span><\/p>\n

      Typical Risks:<\/b><\/p>\n

        \n
      • Fire due to high voltage in SMT machine<\/span><\/li>\n
      • RSMD\/CC (short circuit damage)<\/span><\/li>\n
      • Engine failure pick<\/span> & place<\/span><\/i><\/li>\n
      • High humidity damages microchips<\/span><\/li>\n
      • Cyber \u200b\u200bdisruption of automated systems<\/span><\/li>\n
      • Power supply disruption (downtime)<\/span><\/li>\n<\/ul>\n

         <\/p>\n

        Mandatory Insurance:<\/b><\/p>\n

          \n
        • Property All Risks<\/span><\/li>\n
        • Machinery Breakdown<\/span><\/li>\n
        • Business Interruption<\/span><\/li>\n
        • Cyber Insurance<\/span><\/li>\n<\/ul>\n

           <\/p>\n

            \n
          1. Manufacturing Industry (Textiles, Plastics, Metals, Food)<\/b><\/li>\n<\/ol>\n

            Risk:<\/b><\/p>\n

              \n
            • Engine overheating<\/span><\/li>\n
            • warehouse fire<\/span><\/li>\n
            • Theft of raw materials<\/span><\/li>\n
            • Product contamination<\/span><\/li>\n
            • Work accident<\/span><\/li>\n
            • Consumer claims (product liability)<\/span><\/li>\n<\/ul>\n

               <\/p>\n

              Mandatory Insurance:<\/b><\/p>\n

                \n
              • Property All Risks<\/span><\/li>\n
              • Industrial All Risks<\/span><\/li>\n
              • Public Liability<\/span><\/li>\n
              • Product Liability<\/span><\/li>\n<\/ul>\n
                  \n
                1. Infrastructure & Construction Projects<\/b><\/li>\n<\/ol>\n

                  Taiwanese companies are heavily involved in the development of:<\/span><\/p>\n

                    \n
                  • new factory,<\/span><\/li>\n
                  • EPC projects,<\/span><\/li>\n
                  • renewable energy facilities,<\/span><\/li>\n
                  • warehouse construction.<\/span><\/li>\n<\/ul>\n

                     <\/p>\n

                    The risks:<\/b><\/p>\n

                      \n
                    • Structural failure<\/span><\/li>\n
                    • Material damaged during installation<\/span><\/li>\n
                    • Force majeure (strong winds, lightning, floods)<\/span><\/li>\n
                    • Worker accident<\/span><\/li>\n
                    • Third party claims<\/span><\/li>\n<\/ul>\n

                       <\/p>\n

                      Mandatory Insurance:<\/b><\/p>\n