InsurTech

(Indonesia) Mengapa Kebangkitan Insurtech Bisa Menjadi Masalah Bagi Aktuaris

Arya Kumara
By Arya Kumara
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The development of Unmanned Aerial Vehicle (UAV) technology, better known as drones, has drastically transformed the industrial landscape in Indonesia. From mapping remote plantations to inspecting tall buildings in the BSD area of ​​South Tangerang, drone use is no longer just a hobby but a vital production tool for modern entrepreneurs. However, with the increasing intensity of its use in public airspace, the risk of accidents involving property or the lives of third parties has become a real threat that can cripple a company’s finances in an instant. Modern industrial drones are often flown in areas with high human activity or critical infrastructure. A single technical failure could cause the drone to crash, damaging luxury properties or injuring personnel on the ground. Without comprehensive drone insurance coverage, the company owning the drone is legally liable for any resulting losses. These losses can include property repair costs, medical expenses, and even legal compensation, which can reach billions of rupiah. Therefore, selecting the right policy with adequate limits of liability is a strategic step for company management. To assist company management in designing the safest and most efficient protection structure in accordance with applicable Indonesian aviation regulations, we provide a team of experts ready to conduct in-depth risk analyses. Before you fly your unit on your next commercial mission, be sure to consult with a professional in the field. Contact L&G Insurance Broker now on 08118507773 for consultation with our experts. Why Does Modern Industry Need Drone Insurance Protection? The use of drones in the mining, oil and gas, construction, and agriculture sectors has been shown to increase operational cost efficiency by up to 40%. However, this efficiency is often overshadowed by the potential losses resulting from aerial incidents. In the context of drone insurance, the risk most often overlooked by industry players is the risk of legal liability. In the rapidly developing South Tangerang area, drones are frequently used for construction surveys and corporate cinematography content creation. Imagine if a 5-10 kg drone fell on a passing vehicle or damaged a high-voltage power line. Repair costs would cover not only physical damage but also economic losses due to the disruption of public services. Through drone insurance, companies can shift this financial burden to an insurer, ensuring stable cash flow even in the event of a major incident. Risk of Third Party Lawsuits in Using Drone Insurance One of the key pillars in choosing the best drone insurance is understanding Third Party Liability (TPL) coverage. This risk covers legal liability to anyone who is not your company’s employee or contractor. In practice, drone insurance for third party protection includes: Bodily Injury: Covers medical expenses, hospitalization, and death benefits if the unit affects another person. Property Damage: Guarantees reimbursement of repair costs for buildings, vehicles, or other party assets damaged by drone collisions. Legal Defense Cost: Covers attorney and court costs if a drone accident case proceeds to court. Many company managements only realize the importance of drone insurance after receiving a legal notice. However, the annual premium is much smaller than the potential compensation for a single incident. Indonesian Aviation Regulations and the Importance of Drone Insurance The Directorate General of Civil Aviation (Dirjen Hubud), through a Ministerial Regulation, has established operational safety standards for unmanned aerial vehicles. One key point in this regulation is the requirement for drone insurance coverage, particularly for drone operators operating for commercial purposes or in airspace requiring special permits (such as densely populated areas or restricted areas). Choosing legally recognized drone insurance in Indonesia is crucial to avoid rejection of your claim. L&G Insurance Broker ensures that every policy we offer meets the applicable CASR (Civil Aviation Safety Regulations) standards in Indonesia. Having a valid policy also makes it easier for your company to obtain flight permits from the relevant authorities, as insurance coverage documents are a mandatory attachment to SIDO (Online Drone Information System) permit applications. Did you know that many cooperation contracts in the state-owned enterprise (SOE) and multinational company (MNC) sectors now require subcontractors to have drone insurance as a primary tender requirement? This demonstrates that insurance is no longer merely an add-on, but rather the key to unlocking greater business opportunities. For company management that prioritizes professionalism and legal compliance in every aspect of its operations, working with an experienced broker is key. Contact L&G Insurance Broker now on 08118507773 for consultation with our experts. How Insurance Brokers Work to Determine the Best Drone Insurance Policy Choosing drone insurance independently can often be confusing due to the sheer volume of aviation technical terms and the limited coverage offered by insurance companies. This is where L&G Insurance Brokers acts as your strategic partner. We don’t just sell policies; we design protection. As an insurance broker based in South Tangerang, we have access to leading local and international insurance companies specializing in aviation. We’ll compare premiums, coverage, and claims payment track records of each insurance company to provide you with the best recommendations. By purchasing drone insurance through a broker, you gain a stronger bargaining position and expert assistance in the event of a claim dispute. Key Components in a Drone Insurance Policy Structure When you evaluate a drone insurance quote, make sure the following components are clearly accommodated: Hull Insurance (Physical Damage Coverage):This covers damage to the drone itself, including the camera components, gimbal, and LiDAR sensor, which are often very expensive. Make sure your policy covers both Total Loss and Partial Damage. Payload Insurance: Often, the value of sensors installed on a drone is much higher than the price of the drone itself. Ensure that your drone insurance coverage accurately calculates the total value, including the payload. War and Allied Perils: The risks of sabotage, signal interference, and even acts of terrorism are sometimes excluded from standard policies. However, for critical industries, this additional coverage is highly recommended to provide 360-degree protection. Factors Affecting Drone Insurance Premiums In the insurance industry, premiums are determined based on risk profiles. To obtain the most competitive drone insurance premiums, insurers consider several factors: Pilot Certification: Pilots who have official certification from a drone association (such as APDI or FASI) are considered lower risk. Flight Hours Experience: A neat flight logbook indicates high flight hours and the operator’s level of professionalism. Operational Type: Drones used for hazardous area inspections have different risks than drones for mapping vacant land. Unit Quality:Brandand the type of drone unit used affects the availability of spare parts and ease of repair, which in turn impacts the calculation of your drone insurance premium. Effective Drone Insurance Claim Steps Every business owner’s biggest fear is a denied claim. With the assistance of an L&G Insurance Broker, this risk can be minimized. If an incident occurs while operating a drone, here are the steps to take: Secure the Location: Ensure there are no aftershocks in the area where the unit falls. Documentation: Take photos and videos of the condition of the unit at the scene of the incident as well as evidence of damage to third party property, if any. Extract Log Data: Save flight data from apps (DJI GO, Mission Planner, etc.) as evidence of technical chronology. Broker Report: Contact the L&G Insurance Broker team immediately. We will guide you in preparing an accurate chronological report and completing the administrative paperwork to ensure a smooth drone insurance claim process. It is important to remember that honesty in reporting and completeness of flight log data are the main keys to a successful air insurance claim. Why Choose L&G Insurance Broker in South Tangerang? We are proud to be part of the South Tangerang business community. Our strategic location allows us to quickly reach clients in Greater Jakarta (Jabodetabek), while our technology allows us to serve all corners of Indonesia. Our team is more than just sales agents; we are risk consultants with expertise in aviation technology and insurance law. We understand that for you, drones are an investment asset that should generate profits, not a legal burden. With drone insurance managed by a professional broker, you can focus on your business innovation while we handle all the associated risks. Securing Your Air Assets with a Trusted Insurance Broker In conclusion, the drone aviation industry in Indonesia will continue to grow in line with the industry’s need for fast and accurate data. However, despite this sophistication, third-party legal risks remain real. Choosing the best drone insurance isn’t just about the lowest premium price; it also concerns the depth of coverage, policy legality, and ease of claims processing. L&G Insurance Broker is here to be your business’s shield. We invite entrepreneurs, operational managers, and industry leaders to discuss the most appropriate risk protection strategies. Don’t let your billions of rupiah in investments go to waste without reliable protection.Make sure every drone flight mission is covered by legal, comprehensive, and professional protection. — DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE. HOTLINE L&G 24 JAM: 0811-8507-773 (CALL – WHATSAPP – SMS) Website: lngrisk.co.id Email: halo@lngrisk.co.id —
Asuransi Drone
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Dapatkan Penawaran Terbaik
L&G Risk Registered by Otoritas Jasa Keuangan KEP-667/KM.10/2012
Yakin Bisnis Anda Sudah Aman Dari Segala Risiko?
Chat kami di WhatsApp untuk solusi asuransi yang cepat dan mudah!
Dapatkan Penawaran Terbaik
Yakin Bisnis Anda Aman Dari Segala Risiko?
Chat kami di WhatsApp untuk solusi asuransi yang cepat dan mudah!
OJK Registered KEP-667/KM.10/2012