Kebakaran M City Medan, Apakah Sukarman Harus Bertanggung Jawab?

Kepolisian Daerah Sumatra Utara mengungkap penyebab kebakaran di pusat hiburan M City, Medan, Sumatra Utara, yang menewaskan 20 orang. Sabtu (5/12), polisi menangkap seorang tersangka kasus tersebut. Polisi membekuk Sukarman. Menurut Sukarman, sebelum kejadian ia bersama dua rekannya tengah memasang karpet dengan menggunakan lem. Mereka menemukan karpet yang berserat. Bukannya dipotong dengan gunting, mereka justru menggunakan korek. Seketika api menyala dan menyambar sisa lem yang mengandung bahan kimia.

Apakah Sutarman Harus Bertanggung Jawab?

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Korban Malpraktek RS OMNI Merasa Diteror

Kamis, 11 Juni 2009 | 14:21 WIB

TEMPO Interaktif, Jakarta:Ibu bayi kembar yang diduga menjadi korban malpraktek RS OMNI Alam Sutra, Tangerang, mengaku merasa diteror pihak manajemen RS OMNI. “Mereka berkali-kali menelpon saya. Saya merasa terganggu,” kata Juliana, ibu dari bayi kembar bernama Jared dan Jayden itu, lewat telepon, hari ini.

 

Menurut Juliana, dia melahirkan prematur di rumah sakit RS OMNI pada 26 Mei 2008. Saat itu usia kandungannya baru 33 minggu. Petugas medis memasukan anaknya ke dalam inkubator. Beberapa hari setelah itu, salah satu putranya didianosi menderita kebutaan. “Yang mengalami kebutaan Jared, sedangkan Jayden silender dua setengah,” kata Juliana.

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Prita & Manohara – dari sudut Asuransi atas pencemaran nama baik (libel and slander)

Prita & Manohara, nama 2 orang perempuan ini tiba-tiba mencuat, menghiasi headlines media cetak dan elektronik dalam beberapa minggu, mengalahkan berita provokasi tentara Malaysia di Ambalat, mengalahkan berita kecelakaan Air France yang dasyat bahkan menyaingi dan menjadi bagian berita kampanye Capres-Cawapres

 

Saya tidak mau latah menulis sensasi berita itu di AHLIASURANSI.com namun yang menarik adalah bagaimana suatu tuntutan atas dugaan pencemaran nama baik dapat menjadi suatu perkara yang besar dan berdampak luar biasa…

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Commercial General Liability

Diner awarded HKD10m (USD1.28m) far fall on slippery stairs

Hong Kong: A diner who became a quadriplegic after slipping on the stairs of a restaurant has been awarded more than HKD10m (USD1.28m) for his injuries. He had sued for HKD13.4m (USD1.72m).

On 1 April 2001, the diner fell down a staircase in the restaurant resulting in severe head and spinal injuries.

 

The judge found that the restaurant owner had breached his duty of care by failing to ensure the stairway, which was quite steep, 60 cm wide and had only one hand rail

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Product Liability

Toy-makers deny responsibility

 

China: A two-year-old boy ran with a plastic six-­centimetre nail clenched in his teeth, when he tripped and fell on his face. The nail shot down his throat and formed an air-tight plug in his trachea. Although an ambulance officer managed to dislodge it with the help of a pair of pliers, the boy was pronounced dead. The nail was part of Playskool Tool Benches sold in American retail chains – one of 20 billion toys that China exported in 2006.

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Construction Liability

Bridge collapse causes 22 fatalities and 46 missing persons

 

China: On 13 August 2007, a bridge under construction in an ancient Chinese city collapsed as workers removed scaffolding from its facade. The collapse caused 22 fatalities. There were 64 people rescued and 22 injured when the 1,049-foot-bridge in Hunan province collapsed.

 

The 140-foot-high bridge had four decorative stone arches and was scheduled to open as a tourist attraction at the end of August 2007.

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Professional Indemnity / Errors & Omissions

Travel firms sued over Taiwanese death crash

 

Hong Kong: The companies that organised a Taiwan tour that ended in a bus crash killing five Hongkongers and injuring 29 others on 18 October 2004 are being sued for negligence in three separate actions. Three suits were filed in May 2007 in the High Court against the Travel Service companies. Two writs were filed by the injureds and one by the administrator of an estate of a person killed

 

The bus driver was jailed, being found guilty of driving while intoxicated and endangering public safety. The travel organisation argued it was not responsible for the bus driver’s actions. The travel organisation was found responsible for the bus driver’s action and has to pay HKD814,000 (USD104,459m) to an injured passenger

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Medical Malpractice Liability

Twins sue hospital for mix-up

 

China: A pair of twins has sued a hospital over an apparent mix-up when they were babies 21 years ago; they are suing for compensation of HKD1.2m (USD153,927) and an apology. They were reunited by chance when mutual friends were struck by their similar appearance. The two families lived in the same semi-rural district of Beijing.

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Workmen's Compensation & Employers' Liability

Twenty trapped following gas explosion at coal mine

 

China: In June 2007, a gas explosion at a northern China coal mine killed nine miners and left 20 people trapped who were trying to clean up the pit, which was flooded after the explosion. The accident was covered up by mine management, but became public after the victims’ families filed a complaint with the local government. Police arrested seven people in connection with the accident.

 

Mines in China seem to be the most dangerous in the world with an average of 13 miners killed every day in accidents.

 

Source: Associated Press, 14 July 2007

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Alurninium spill in Shandong kills 14, injures 59

 

China: Molten aluminium at a temperature of about 900 degrees Celsius spilled out of its container in an explosion-like airflow causing a serious accident at an aluminium plant in Zouping. The roof of the workshop was blown off, killing 14 workers, and injuring 59. The accident is being investigated by the local authorities.

 

Source BBC Monitoring Asio Pacific, 20 August 2007

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Some progress in improving industrial safety

 

China: Since the enforcement of the Safety Production Law in 2003, workplace accidents have been reduced by 1.7% (2003), 11.2% (2006) and 14% in the first ten months of 2007 (corresponding to 79,000 fatal accidents). Over the same period, the death toll from road accidents fell from 13.7 per 10.000 vehicles to 6.2. Fatalities in coal mines fell from 4.94 per million tons of coal mined in 2002 to 2.04 in 2006.

 

Source: Insurance Journal, 6 November 2007

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Fund must pay out for worker’s death: court. ruling denying cash for family overturned

 

China: Illegal workers are entitled to compensation from the Employees Compensation Assistance Fund Board – a fund that covers compensation in cases in which the employer does not have the means to do so.

 

Lian Yikai who had no working permit for Hong Kong was killed in 2003 when he was jammed between the cabin of the forklift truck he was driving and the forklift. The court of first instance sentenced his employer to six months in jail for hiring illegal workers, but denied Liang compensation as paying claims to illegal workers would deprive the fund of too much money. The Court of Appeal rejected this argument and awarded HKD303,000 (USD38,845) to his family. The Employees Compensation Assistance Board has indicated it will appeal this decision in the Court of Final Appeal.

 

Source: South Chino Morning Post, 76 November 2007

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Molten steel kills 32 in workshop accident

 

China: Thirty-two workers were killed and six injured when white-hot, molten steel spilled from a 30-tonne capacity ladle and flooded a workshop at a steelworks. Operations at the plant have been suspended until investigations into the cause of the accident have been undertaken. According to a government official, the families of the victims will receive long-term financial help, and every family has been offered CNY10,00b (USD1,280) in initial compensation.

 

The mainland is notorious for its poor work safety record. According to statistics, 109,143 people were killed in workplace accidents in 2006, an average of 300 people a day

 

Source: South China Morning Post, 19 April 2007

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Forklift death: Victims family awarded SGD78,000 (USD56,529)

 

Singapore: In a second case in one month where a court overruled a decision of the Labour Commissioner to reject a compensation claim, a judge awarded SGD78,000 (USD56,529) to the widow and children of a worker who drowned when his forklift fell into the sea.

 

The 35-year-old victim was driving a forklift, when it” reversed and fell into the water at a shipping terminaI in December 2005. His body was not found until hourS~ later. The Ministry of Manpower (MOM) ordered the owner of the forklift to pay SGD78,624 (USD56,982) in compensation to the family of the deceased. The company appealed, contending that Mr. Ramu was not their employee, as he was hired by their foreman, who was not authorised to hire people. The company further asserted that the foreman had paid Mr. Ramu out of his own pocket and that he was not asked to use the forklift on that very day. The Labour Commissioner agreed with the company and rejected the claim.

 

The widow’s appeal to the High Court was successful: Justice Choo stated that although the foreman was not authorised to hire people he led Mr. Ramu to believe he was. Moreover, it could not be established that Ramu knew that the foreman used his own money to pay him, and some evidence indicated that the forklift was required on the day of the accident.

 

Source: Straits Times, 31 March 2008

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

MOM ordered to process clairn

 

Singapore: Pang Cheng Suan, a signboard maker, will finally be compensated for the injuries he suffered in 2004 due to an explosion at his workplace. He underwent multiple operations which cost him more than SGD20,000 (USD14,495) in medical bills and loss of income.

 

At the onset of the case, the Ministry of Manpower (MOM) ruled that he had filed his claim too late; this decision was confirmed by the High Court. Pang claimed compensation with the MOM soon after the accident, then withdrew the claim deciding instead to sue his employer. He then proceeded to change his mind again, when investigations into the accident revealed that the blast was not the result of negligence. Pang again turned to the MOM for workmen’s compensation in April 2006, but the relevant law provides that compensation claims older than a year would only be considered, if the claimant establishes a reasonable cause for the delay. The Chief Justice of the Court of Appeal justified his decision in favour of the claimant with the fact that Pang had made his first claim in 2004 and by this notified the authorities of his intention to claim compensation.

 

Source: Straits Times, 12 March 2008

Asian Casualty Report 10th Edition June 2008 – Gen Re

 

Job injury claims for office staff set to rise

 

Singapore: In 2006, in approximately 750 claims with the Ministry of Manpower (MOM) – about 5% of all claims – were filed by white-collar workers who earned SGD1,600 (USD1,160) or less a month. This number might rise considerably with the enforcement of a new April 2008 law covering all non-manual workers regardless of income. The new law will replace the Workmen’s Compensation Act which protects all manual and non­ manual workers earning no more than SGD1,600 (USD1,160) a month. Under the new law employers are not obligated to buy insurance, but >they have to compensate staff injured in workplace accidents, even if they have no insurance. Companies are verifying, if they should buy insurance and at what price insurance is available. Due to this insurers expect that premiums will go up.

 

In addition to the inclusion of white-collar workers earning more than SGD1,600 (USD1,160) a month, employees will also be able to make claims for noise­induced deafness, repetitive strain injuries and poisoning by chemicals such as arsenic.

 

Source: Straits Times, 28 February 2008

Asian Casualty Report 10th Edition June 2008 – Gen Re

Directors' & Officers' Liability

Corporate standards improving

 

China: The fact that there haven’t been as many shareholder suits in China as in other countries in the region can be attributed to problems in the civil compensation system and court rulings. In China, the burden of proof lies with the plaintiff. Minority shareholders – who are often involved in these types of suits – usually don’t have the resources to collect substantial evidence.

 

In 1998 and 1999, a group of investors in Shanghai sued Chengdu Hongguang Industrial Shareholding Co. due to losses after a decline in Hongguang Industrial’s stock prices. The shareholders accused the company of not disclosing problems with its production line in their prospectus. The compensation claim was rejected by the court on the ground that they had not been able to establish the losses were caused by false statements in the prospectus.

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