{"id":9271,"date":"2025-12-03T14:05:20","date_gmt":"2025-12-03T07:05:20","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9271"},"modified":"2025-12-03T14:05:20","modified_gmt":"2025-12-03T07:05:20","slug":"mengamankan-masa-depan-pembangunan-timor-leste-solusi-lintas-batas-bersama-asuransi-dan-broker-indonesia","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/mengamankan-masa-depan-pembangunan-timor-leste-solusi-lintas-batas-bersama-asuransi-dan-broker-indonesia\/","title":{"rendered":"Securing Timor-Leste&#8217;s Future Development: Cross-Border Solutions with Indonesian Insurance and Brokers"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">That morning, the Indonesian contractors&#8217; meeting room in Dili suddenly became tense.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">An email from a project owner developing an energy facility in Timor Leste came in with a surprising request:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;We require CAR\/EAR, Public Liability, and DSU coverage with a total limit of USD 50 million. The policy must meet international standards.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The contractor immediately contacted the local insurance company in Timor Leste.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">But the answer is the same as in previous cases:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;Sorry, our capacity is limited. We cannot accommodate this limit.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The high value tender must be submitted within 5 days.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Without a qualified policy, Indonesian contractors will be automatically disqualified.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Amidst the confusion, one of the company directors contacted L&amp;G Insurance Broker, hoping that an urgent solution could be provided.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They did not make the wrong choice.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Field Facts: Why Do Timor-Leste&#8217;s Projects Use So Many Indonesian Contractors?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is no coincidence. Timor-Leste&#8217;s construction sector currently relies heavily on Indonesian companies because:<\/span><\/p>\n<ol>\n<li><b> Competitive skill level<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Indonesia has long experience in large-scale infrastructure development.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Starting from roads, bridges, power plants, to energy networks.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Efficient operational costs<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Due to geographical proximity, logistics become cheaper and faster.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Availability of complete assets and equipment<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Indonesian companies bring:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">heavy equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">crane<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">excavator<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">batching plant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ships and barges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">industrial generators<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">All this facilitates mobilization in Timor Leste.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, all these advantages can collapse if they are not accompanied by strong insurance guarantees that meet the owner&#8217;s demands.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And that&#8217;s where the challenge arises.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Key Issue: Timor Leste&#8217;s Local Insurance Capacity is Very Limited<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The insurance market in Timor-Leste is still developing. They can handle small to medium-sized projects. But projects worth tens to hundreds of millions of dollars?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A big challenge arises.<\/span><\/p>\n<ol>\n<li><b> Insufficient guarantee limit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">CAR\/EAR for large projects generally requires:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USD 10 million \u2013 100 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Public Liability up to USD 20 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DSU (Delay in Start-up) up to USD 50 million<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Local insurance companies are not able to provide such large limits.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Not all types of policies are available<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Police like:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">LEG 2\/3<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DSU\/ALoP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Principal Arranged Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wording FIDIC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marine Advance Loss<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">usually only available at insurance companies with large capacity.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Lack of global reinsurer support<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Without strong reinsurance, capacity cannot increase.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Engineering risks are too high for a small market<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Energy, EPC and heavy construction projects require underwriters with specific specializations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, Indonesian contractors often encounter obstacles when requesting guarantees from local Timor Leste insurance companies.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Here, Indonesian Insurance Becomes a Rational and Effective Solution<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many people think that Indonesian insurance companies are not allowed to provide guarantees for assets or projects located abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even though the explanation is different.<\/span><\/p>\n<p><b>Indonesian insurance can guarantee projects abroad, including Timor Leste, if:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">territorial coverage expanded<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">risk assessment is carried out<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">underwriting approved by insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wording adjusted to the project contract<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">broker provides complete supporting documents<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Because the policy was issued in Indonesia, then:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The applicable law is Indonesian law (Indonesian Jurisdiction)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And it is legal, valid, enforceable and internationally recognized.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In fact, Indonesian insurance companies have been covering a lot of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">export<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">overseas projects owned by Indonesian contractors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marine Hull international ships<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EPC projects abroad<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cross-border liability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Including several projects in Timor Leste that have been handled together with L&amp;G.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Owner Concerns: \u201cWhat If I Make a Claim?\u201d<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is a classic question from many parties in Timor Leste.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s explain it simply.<\/span><\/p>\n<ol>\n<li><b> 95% of insurance claims are settled without trial<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">All run through:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">loss adjuster<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">guarantor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">insured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">broker<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Without a litigation process.<\/span><\/p>\n<ol start=\"2\">\n<li><b> International loss adjuster can be appointed at any time<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Both from Indonesia and other countries.<\/span><\/p>\n<ol start=\"3\">\n<li><b> International arbitration is available<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If a dispute arises, arbitration can be conducted anywhere with experts from any country.<\/span><\/p>\n<ol start=\"4\">\n<li><b> The most important thing is the completeness of the claim documents.<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If everything is in accordance with the policy provisions, the Indonesian insurer is obliged to pay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With this mechanism, the legal basis is no longer an obstacle to cross-border protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Action Point: This is where insurance brokers are the key to success.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many cross-border projects fail to secure collateral simply because there is no<\/span><b>broker<\/b><span style=\"font-weight: 400;\">who understands how to bridge:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">contractor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">owner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">insurer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reinsurer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">adjuster<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is where L&amp;G Insurance Broker plays a vital role.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G&#8217;s strategic role in cross-border projects:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare a complete risk assessment, including project value, work methods, and technical risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Arranging communications with Indonesian insurance companies, L&amp;G ensured the insurer was ready to provide coverage as far as Timor Leste.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiate policy wording according to owner standards. Including FIDIC, DSU, LEG clause, Cross Liability, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Convincing the owner and the Timor Leste government that the Indonesian policy is legal and internationally valid.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manage claims through to completion<\/span><b>. <\/b><span style=\"font-weight: 400;\">Including arranging loss adjusters, claim documents, and communication with the insurer.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Without an experienced broker, this process is almost impossible to run smoothly.<\/span><\/p>\n<p><b>True Story: How L&amp;G Secured a Major Energy Tender in Timor-Leste<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s go back to the initial case of the tender that was threatened with failure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After receiving the complaint from the contractor, L&amp;G immediately took action:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Steps taken by L&amp;G in 72 hours:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assessing project value and risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contacting a large capacity Indonesian insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit a special underwriting application<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Arrange a video conference with the project owner in Timor Leste<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explaining the legality of the policy and claims mechanism<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adjust wording according to international EPC standards<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulating territorial extension to Timor Leste<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare guarantees that meet the terms of the contract<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Two days later, the project owner gave official confirmation:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cInsurance requirements fulfilled. Proposal accepted.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The tender that almost failed was finally won.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Indonesian contractors also received great trust from the owners.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is all due to the strong collaboration between the contractor, Indonesian insurance, and L&amp;G as a broker.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why Should the Timor Leste Government Support the Use of Indonesian Insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are many benefits to be received:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The project proceeded smoothly without any delays due to insurance. The large limit was met.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Country risk is better protected. Major assets such as roads, ports, and energy facilities are protected to high standards. Investors have greater confidence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong protection always attracts investors. Technology transfer and best practices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indonesian insurance helps local industries grow. Premiums are more efficient.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because large capacity allows for more competitive rates.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">L&amp;G Ready to Become a Bridge of Protection between Indonesia and Timor Leste<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The development of Timor Leste is a long journey that requires support from various parties.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Insurance is not just a formality, but a determinant of the success and sustainability of a project.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">strong Indonesian insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">global reinsurer support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">experience handling overseas projects<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and professional assistance from L&amp;G Insurance Broker<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">so that the development of Timor Leste can take place safely, efficiently and protected according to international standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best protection knows no borders. What matters is capacity, commitment, and professionalism.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And L&amp;G is ready to support that.<\/span><\/p>\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\u00a0<\/b><\/p>\n<p><b>\u2014<\/b><\/p>\n<p><b>Disclaimer\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This article is intended for educational purposes regarding cross-border insurance underwriting practices and should not be construed as legal advice or a final recommendation for a policy. Each project has unique risk characteristics that require specific analysis by licensed insurance companies and brokers. Readers are advised to consult with professionals before making any decisions regarding insurance coverage, particularly for assets or projects located outside of Indonesian jurisdiction.<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>That morning, the Indonesian contractors&#8217; meeting room in Dili suddenly became tense. An email from a project owner developing an energy facility in Timor Leste came in with a surprising request: &#8220;We require CAR\/EAR, Public Liability, and DSU coverage with a total limit of USD 50 million. The policy must meet international standards.&#8221; The contractor [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[559,1465],"class_list":{"0":"post-9271","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-risk-management","8":"tag-risk-management","9":"tag-timor-leste"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9271","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=9271"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9271\/revisions"}],"predecessor-version":[{"id":9273,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9271\/revisions\/9273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9272"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}