{"id":9946,"date":"2026-07-09T11:56:11","date_gmt":"2026-07-09T04:56:11","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9946"},"modified":"2026-07-09T11:56:11","modified_gmt":"2026-07-09T04:56:11","slug":"mengapa-perusahaan-pelayaran-besar-lebih-memilih-broker-asuransi-ini-alasannya","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/mengapa-perusahaan-pelayaran-besar-lebih-memilih-broker-asuransi-ini-alasannya\/","title":{"rendered":"Why Do Large Shipping Companies Prefer Insurance Brokers? Here&#8217;s Why"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In many industrial sectors, the presence of insurance brokers has become a common part of risk management practices. The same is true in the shipping industry, including merchant vessel operators, offshore companies, tugboat and barge owners, and logistics companies that manage their own fleets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, for some business actors, a fairly basic question still arises:<\/span><\/p>\n<p><b>If insurance companies can now sell policies directly, why do large shipping companies still use brokers?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The answer is not as simple as finding a cheaper premium price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In international practice, brokers actually act as risk advisors who help companies design asset protection strategies before the risk actually occurs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">The Maritime Industry Has Very Complex Risks<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Unlike private vehicles or ordinary assets, ships are productive assets that operate in an environment with a high level of uncertainty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The risks faced can be:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ship collision;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">stranded;<\/span><\/li>\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;\">bad weather;<\/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;\">navigation error;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">to legal liability to third parties.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The losses that arise are not only in the form of ship repair costs, but can also affect operational schedules, charter contracts, company income, and even business reputation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, the purchase of <\/span><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-rangka-kapal\/\"><b>Marine Hull Insurance<\/b><\/a><span style=\"font-weight: 400;\"> generally forms part of a broader risk management strategy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Brokers and Agents Have Different Functions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the misunderstandings that is still often encountered is the assumption that brokers and agents have the same function.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even though in principle there are fundamental differences.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agents generally represent insurance companies in marketing their products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meanwhile, brokers obtain permission to represent the interests of the insured or prospective insured.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means that the broker&#8217;s job is to help clients find the most suitable protection solution based on the company&#8217;s risk characteristics.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This difference is one of the reasons why companies with large assets prefer to use brokers rather than buying policies directly.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">It&#8217;s Not Just the Premium That&#8217;s Assessed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In various maritime industry forums, discussions about Marine Hull Insurance almost always revolve around one important topic, namely the quality of policy wording.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many practitioners argue that differences in clause content often have a much greater impact than differences in premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some aspects that are usually of concern include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">navigational limits;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">deductible;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">additional clauses;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">warranty exclusion;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claim reporting procedures;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">warranty in the police.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Misunderstanding just one clause can affect the claims settlement process when a loss occurs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Brokers Help You See Risk Comprehensively<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Brokers not only help in getting quotes from several insurance companies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In practice, they also help evaluate various aspects related to ship operations, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">type of operation;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">shipping area;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ship value;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">charter contract;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">type of load;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">potential liability to third parties;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">to the company&#8217;s ability to bear some of the risks itself.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This approach makes insurance programs more suited to the needs of each company.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">When Claims Occur, the Broker&#8217;s Role Becomes More Visible<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many companies admit that the benefits of a new broker are truly felt when an incident occurs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At this stage, brokers usually help coordinate with various parties, from surveyors and insurance companies to preparing the required documents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The goal is to ensure that the claims settlement process runs more effectively in accordance with policy provisions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While claim outcomes still depend on the facts of the loss and the applicable policy provisions, good assistance can help reduce administrative obstacles during the process.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Common Practices of Large Companies<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In many countries with advanced maritime industries, using an insurance broker is no longer considered an additional cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, brokers are seen as part of the company&#8217;s risk management system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is especially true for companies that operate large fleets or have complex contractual obligations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By involving a broker from the outset, the company has the opportunity to evaluate the protection structure before the policy is issued.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Choosing a Broker Is Not Enough Based on Company Size<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Just like choosing an insurance company, choosing a broker also requires certain considerations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some things that are generally of concern include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">experience in the maritime sector;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ability to understand shipping contracts;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">quality of claims assistance;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ability to conduct policy wording reviews;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">network with insurance companies;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">understanding of risk management.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Brokers who understand the characteristics of the maritime industry are usually able to provide more relevant recommendations than just focusing on premium prices.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Conclusion<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Marine Hull Insurance is not just a financial product, but is an important instrument in maintaining the sustainability of the shipping business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Given the complexity of the risks facing the maritime industry, it is not surprising that many large shipping companies choose to use brokers as partners in designing their protection programs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This approach helps companies view risks more holistically, from the planning stage through to the claims process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For companies managing high-value assets, the decision about who to oversee the risk management process is often as important as the decision to choose the insurance company itself.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Editor&#8217;s Note<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">LigaAsuransi.com regularly presents various articles regarding <\/span><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-rangka-kapal\/\"><b>Marine Hull Insurance<\/b><\/a><span style=\"font-weight: 400;\">, maritime risk management, and the development of the insurance industry in Indonesia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For readers who wish to obtain further consultation regarding program preparation <\/span><b>ship insurance<\/b><span style=\"font-weight: 400;\">, policy reviews, and protection needs for shipping companies, one of the national insurance brokers that focuses on maritime sector risks is <\/span><b>L&amp;G Insurance Broker<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Further information can be obtained through:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udce7 Email us: <\/span><a href=\"https:\/\/lngrisk.co.id\/contacts\"><b>halo@lngrisk.co.id<\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udcf1 Whatsapp: <\/span><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><\/p>","protected":false},"excerpt":{"rendered":"<p>In many industrial sectors, the presence of insurance brokers has become a common part of risk management practices. The same is true in the shipping industry, including merchant vessel operators, offshore companies, tugboat and barge owners, and logistics companies that manage their own fleets. However, for some business actors, a fairly basic question still arises: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1156],"tags":[162,201,483],"class_list":["post-9946","post","type-post","status-publish","format-standard","has-post-thumbnail","category-asuransi-marine-hull-general-insurance","tag-asuransi-kapal","tag-asuransi-marine-hull","tag-marine-hull-insurance"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9946","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=9946"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9946\/revisions"}],"predecessor-version":[{"id":9948,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9946\/revisions\/9948"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9947"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}