{"id":9268,"date":"2025-12-03T13:43:09","date_gmt":"2025-12-03T06:43:09","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9268"},"modified":"2025-12-03T13:43:09","modified_gmt":"2025-12-03T06:43:09","slug":"10-jenis-bisnis-pengusaha-india-di-indonesia-solusi-asuransi-yang-wajib-dimiliki-agar-aset-dan-proyek-tetap-aman","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/10-jenis-bisnis-pengusaha-india-di-indonesia-solusi-asuransi-yang-wajib-dimiliki-agar-aset-dan-proyek-tetap-aman\/","title":{"rendered":"10 Types of Businesses for Indian Entrepreneurs in Indonesia &#038; Must-Have Insurance Solutions to Keep Assets and Projects Safe"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">By 2025, India will become one of Indonesia&#8217;s largest sources of investment. Indian companies will enter almost every sector: manufacturing, power plants, mining, logistics, digital, pharmaceuticals, and even EPC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But the most surprising fact is this:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">More than 70% of Indian entrepreneurs in Indonesia do not have proper insurance coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One real-life example occurred in 2024. An Indian company operating a plastics factory experienced a major fire due to a short circuit in an electrical panel. Losses reached IDR 33 billion, but the company only received a claim payment of IDR 6.8 billion because:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">assets are under-insured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">no machinery breakdown<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">no business interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">standard policy wording<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">all because the policy was purchased without a broker<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These losses hit cash flow, halted production, and triggered the termination of contracts with several important clients.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Important lesson: Proper insurance coverage is not an expense, but a strategy for maintaining business continuity.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">10 Main Types of Businesses Indian Entrepreneurs Do in Indonesia &amp; Their Insurance Solutions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here are the main sectors where Indian entrepreneurs operate in Indonesia \u2014 and the main risks they face.<\/span><\/p>\n<ol>\n<li><b> Manufacturing Plants (Plastics, Textiles, Chemicals, Components)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">fire<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">engine failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">business disruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">worker accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pollution<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PAR\/IAR<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Machinery Breakdown (MB)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business Interruption (BI)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Public Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Product Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Workmen Compensation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">An Indian textile mill lost Rs 12 billion due to a loom fire \u2014 the claim was paid in full after a program was arranged by L&amp;G.<\/span><\/p>\n<ol>\n<li><b> EPC &amp; Infrastructure Contractors (Power Plant, Boiler, Utility)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">structural failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage during installation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">heavy equipment accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">project delays<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CAR (Construction All Risks)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EAR (Erection All Risks)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DSU (Delay in Start Up)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TPL Project<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CPM (heavy equipment)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marine Cargo<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">India&#8217;s Sumatra boiler project suffered damage during testing \u2192 L&amp;G helped secure a Rp 4.2 billion claim in full.<\/span><\/p>\n<ol>\n<li><b> Mining Companies &amp; Mining Contractors<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">heavy equipment damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">work accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">landslide<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">coal hauling accident<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CPM<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fleet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TPL Mining<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Workmen Compensation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">120-ton excavator overturns due to rain \u2192 L&amp;G handles Rp 6.1 billion claim.<\/span><\/p>\n<ol>\n<li><b> Logistics &amp; Supply Chain Companies<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">truck overturned<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damaged goods<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">lost cargo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">warehouse on fire<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marine Cargo ICC A<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inland Transit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stock Throughput (STP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Freight Forwarder Liability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Imported chemical cargo damaged \u2192 USD 950,000 claim paid.<\/span><\/p>\n<ol>\n<li><b> IT &amp; Digital Companies (Software, Cloud, Fintech)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ransomware<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">data breach<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">hacking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">system error (bug)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cyber Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technology PI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D&amp;O<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property (server)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Indian fintech company suffers data breach \u2192 L&amp;G drafts cyber policy, claims Rp 3 billion paid.<\/span><\/p>\n<ol>\n<li><b> Indian Trading &amp; Importing Companies<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage to goods during delivery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wrong document<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claims from distributors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">forwarder error<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marine Cargo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trade Credit Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability Importer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Indian spare parts importer experiences damage during unloading \u2192 Rp 2.4 billion claim settled.<\/span><\/p>\n<ol>\n<li><b> Cold Chain, Food &amp; F&amp;B Processing<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">broken freezer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">stock damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">food contamination<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">health liability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stock Throughput<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cold Storage Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Product Liability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sample case:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Cold room damage caused F&amp;B stock to be damaged \u2192 Rp 1.8 billion claim paid.<\/span><\/p>\n<ol>\n<li><b> Indian Pharmaceutical Company<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">product contamination<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sterilization machine failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">lawsuit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">loss of cold stock<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PAR\/IAR<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MB + BI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Product Liability (Pharma)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recall Insurance<\/span><\/li>\n<\/ul>\n<ol>\n<li><b> General Construction Companies (Civil, Mechanical, Electrical)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">work accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage to work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">project owner lawsuit<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CAR\/EAR<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TPL Project<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Work Accident<\/span><\/li>\n<\/ul>\n<ol>\n<li><b> New Renewable Energy Companies (Solar Farm, Hydro, Biomass)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Main risks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">panel damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">weather disturbances<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damaged structure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">operational disruption<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mandatory insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renewable Energy Package<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property + BI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<\/ul>\n<p><b>Common Problems Indian Businessmen Face While Buying Insurance (Without a Broker)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Police not up to the risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under-insured (asset value is incorrect)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No risk audit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No additional wording<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Business Interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No DSU for large projects<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims are often rejected<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is a classic problem that hurts many Indian entrepreneurs.<\/span><\/p>\n<p><b>Important Indonesian Insurance Regulations for Indian Entrepreneurs<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Law No. 40 of 2014 \u2013 concerning Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">POJK No. 69\/POJK.05\/2016 \u2013 Operational standards for insurance companies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">POJK No. 23\/POJK.05\/2015 \u2013 Brokers are required to represent the Insured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">POJK 72\u201373 \u2013 Governance &amp; Risk Management<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Regulation ensures that every insurance company operates to high standards and is transparent.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why Indian Entrepreneurs MUST Use Insurance Broker Services<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Broker:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">represent the interests of the Insured, not the insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">properly organize the police structure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">prepare international wording<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tender to many insurance companies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ensure claims are always paid<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">understanding the risks of Indian industry in Indonesia<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">free service, because it is paid for by the insurance company<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Without a broker, police misconduct is almost certain to occur.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">L&amp;G Insurance Broker \u2013 The Strongest Partner for Indian Entrepreneurs in Indonesia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For 30+ years, L&amp;G has served many Indian companies in Indonesia in the sectors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">manufacturing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">power plant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">logistics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mine<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EPC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IT &amp; digital<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">trading<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pharmacy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">F&amp;B<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">renewable energy<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">L&amp;G Advantages:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">large claim experience of Rp. 17 billion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">expert CAR\/EAR, PAR, MB, BI, CPM, Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">deep understanding of risk engineering<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">international standard wording<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">strong network to global insurance &amp; reinsurance companies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">expert in handling Indian clients (culture &amp; expectation)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">L&amp;G is not just an intermediary \u2014 but a risk advisor and protector of your investment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Indian Businesses Thrive in Indonesia, But They Can Only Survive If Risks Are Properly Protected<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Indonesia is a huge market, full of opportunities for Indian entrepreneurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But without proper protection:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">one accident can destroy cash flow,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">one fire can destroy a business,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">one legal claim can stop operations,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">one cyber attack can ruin a reputation.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance is not an expense \u2014 it&#8217;s an investment protection strategy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the support of L&amp;G Insurance Broker, Indian entrepreneurs can ensure that all major risks are covered:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">safe assets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">safe project<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">safe employees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">liability aman<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">business continues without interruption<\/span><\/li>\n<\/ul>\n<p><b>\u2014<\/b><\/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><b>Website:<\/b><a href=\"http:\/\/lngrisk.co.id\"><b> lngrisk.co.id<\/b><\/a><b>\u00a0<\/b><\/p>\n<p><b>Email: <\/b><a href=\"mailto:halo@lngrisk.co.id\"><b>halo@lngrisk.co.id<\/b><\/a><b>\u00a0<\/b><\/p>\n<p><b>\u2014<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>Disclaimer\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This article is intended as a general guide to the types of risks and insurance needs of various Indian businesses in Indonesia. The information provided does not replace the specific risk analysis required for each business, asset, contract, and project. Each company has unique risk characteristics, and therefore, insurance programs must be professionally designed through technical studies. For optimal coverage, including PAR, CAR\/EAR, MB, BI, CPM, Liability, and Cyber, readers are advised to work with an OJK-licensed insurance broker such as L&amp;G Insurance Broker to ensure proper policy formulation and maximum claim payout.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>By 2025, India will become one of Indonesia&#8217;s largest sources of investment. Indian companies will enter almost every sector: manufacturing, power plants, mining, logistics, digital, pharmaceuticals, and even EPC. But the most surprising fact is this: More than 70% of Indian entrepreneurs in Indonesia do not have proper insurance coverage. One real-life example occurred in [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9269,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[1477,559],"class_list":{"0":"post-9268","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-risk-management","8":"tag-india","9":"tag-risk-management"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9268","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=9268"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9268\/revisions"}],"predecessor-version":[{"id":9270,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9268\/revisions\/9270"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9269"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}