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In early November 2025, heavy rain lashed BSD City, South Tangerang, for over 24 hours. Several hotels experienced ground-floor flooding, causing damage to facilities, disrupting services, and rendering some rooms uninhabitable.<\/span><\/p>\n One of the hotels affected is<\/span>Hotel BSD Prima<\/span><\/i>(pseudonym), 3 stars, which has 120 rooms and several public facilities such as a restaurant, swimming pool, and meeting room.<\/span><\/p>\n Initial losses are estimated at Rp. 4 billion, including:<\/span><\/p>\n <\/p>\n Hotel management panicked because flooding not only damaged the property, but also reduced guest satisfaction and the hotel’s reputation.<\/span><\/p>\n The hotel previously had Property All Risks (PAR) and Business Interruption (BI) policies. However, when the claim was filed, several issues arose:<\/span><\/p>\n <\/p>\n Operational manager,<\/span>This is Nina<\/span><\/i>, expressing his frustration:<\/span><\/p>\n “We pay regular premiums, but claims aren’t automatically disbursed. The process requires a lot of paperwork and time-consuming reporting, while hotel services must be restored quickly.”<\/span><\/p>\n This frustration is common, as many entrepreneurs think PAR + BI covers all flood risks, when in fact some risks require additional endorsements or complete documentation.<\/span><\/p>\n Flooding and damage to hotel facilities have had a real impact:<\/span><\/p>\n <\/p>\n Total losses, including mitigation costs and lost revenue, could reach more than Rp4.5 billion within days if not addressed promptly.<\/span><\/p>\n According to data from the South Tangerang Tourism Office, flooding often affects hotels in BSD City because:<\/span><\/p>\n <\/p>\n Hotels without professional brokers typically experience:<\/span><\/p>\n <\/p>\n Meanwhile, hotels with L&G Insurance Broker get:<\/span><\/p>\n <\/p>\n One of L&G’s clients successfully settled a claim of Rp3.8 billion in 3 weeks, enough to repair facilities, replace inventory, and restore the hotel’s services to optimal condition.<\/span><\/p>\n Hotel BSD Prima<\/span><\/i>Immediately contact L&G Insurance Broker, headquartered in Bintaro, South Tangerang, just 30 minutes away. The L&G team will:<\/span><\/p>\n <\/p>\n <\/p>\n As a result, claims totaling Rp3.8 billion were disbursed within 3 weeks, enough to repair facilities, replace inventory, and ensure the hotel’s operations returned to normal.<\/span><\/p>\n Besides the financial aspect, this incident emphasizes the human value:<\/span><\/p>\n <\/p>\n This value is in line with the philosophy of L&G Insurance Broker, that insurance protects assets, staff and the surrounding community.<\/span><\/p>\n The flood incident in BSD City emphasized:<\/span><\/p>\n <\/p>\n With its headquarters in Bintaro, South Tangerang, L&G is able to be directly present on site to ensure claims and mitigation run quickly and smoothly.<\/span><\/p>\n “The floods disrupted our hotel operations, but L&G helped with the swift claims process and facility repairs. Professional brokers are not just intermediaries, but lifelines for hotel businesses and operations.”<\/span> \u2014<\/b><\/p>\n DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.<\/b><\/p>\n HOTLINE L&G 24 JAM:<\/b> 0811-8507-773<\/b><\/a>(CALL \u2013 WHATSAPP \u2013 SMS)<\/b><\/p>\n Website:<\/b> lngrisk.co.id<\/b><\/a>\u00a0<\/b><\/p>\n\n
Entrepreneurs Frustrated: Insurance Claims Not Immediately Disbursed<\/span><\/h3>\n
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Fact: It’s Not Always the Insurance Company’s Fault<\/span><\/h3>\n
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Operational and Economic Impact<\/span><\/h3>\n
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Illustration of a Similar Case in BSD City<\/span><\/h3>\n
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The Role of Insurance Brokers: L&G Becomes the Savior<\/span><\/h3>\n
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\n<\/span>Review the drainage system, ground floor, essential facilities, and emergency response procedures.<\/span><\/li>\n
\n<\/span>L&G recommends a policy package:<\/span><\/li>\n<\/ul>\n\n
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\n<\/span>The team prepared documentation of the flood chronology, technical reports, photos of damage, and reports of lost income.<\/span><\/li>\n\n
Human Values: Ethics and Caring<\/span><\/h3>\n
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Comparison: With and Without Broker<\/span><\/h3>\n
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\n Aspect<\/b><\/th>\n Without Broker<\/b><\/th>\n With L&G Insurance Broker<\/b><\/th>\n<\/tr>\n<\/thead>\n\n \n Police Type<\/span><\/td>\n PAR + BIstandard<\/span><\/td>\n PAR + BI + Flood Risk Endorsement<\/span><\/td>\n<\/tr>\n \n Loss Value<\/span><\/td>\n Rp. 4.5 billion, most of which was covered by himself<\/span><\/td>\n Rp3.8 billion claims approved in 3 weeks<\/span><\/td>\n<\/tr>\n \n Claim Time<\/span><\/td>\n 6\u20138 weeks<\/span><\/td>\n 3 weeks<\/span><\/td>\n<\/tr>\n \n Claims Assistance<\/span><\/td>\n There isn’t any<\/span><\/td>\n Onsite claims team and full coordination<\/span><\/td>\n<\/tr>\n \n Operational Impact<\/span><\/td>\n Operations halted for a long time, guests disappointed<\/span><\/td>\n Operations recovered quickly, hotel services returned to normal<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n Conclusion: Targeted Protection Saves Hotels and Services<\/span><\/h3>\n
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\n<\/span>\u2014 <\/span>Ms. Nina, Operations Manager of Hotel BSD Prima (pseudonym)<\/span><\/i><\/p>\n