Banjir..Banjiir..!! Periksa Polis Anda Apakah Menjamin Kerusakan dan Kerugian Akibat Banjir?

Polis Asuransi Anda tidak secara otomatis menjamin kerusakan dan kerugian akibat air dan banjir.

Endorsemen Banjir, Angin Topan, Badai dan Kerusakan Akibat Air

Read and Download Bilingual Version in Pdf : FTSWD Clause

Dengan ini disetujui dan dinyatakan bahwa  atas dasar pembayaran premi tambahan, Penanggung menyetujui memperluas pertanggungan ini sebagaimana diatur dalam Endosemen ini.

Apakah Penanggung Dapat Membatalkan Polis Sepihak?

Apakah Tertanggung Dapat Membatalkan Polis? Tentu saja tidak ada yang mempermasalahkan bahwa Tertanggung dapat setiap saat membatalkan polis. Bisa jadi ia kecewa atau tidak puas dengan “janji manis” Penanggung dan memutuskan membatalkan polis.

Apakah Penanggung dapat membatalkan Polis?

“Warranty” dalam polis asuransi

“Saya mau tanya yang dimaksud dengan warranty pada polis asuransi apa ya Pak?” (hotnida84@yahoo.com)

Apakah asuransi menjamin dampak kerugian business interruption akibat pemogokan buruh di bekasi (jababeka)?

”Perusahaan kami berada di kawasan Jababeka yang mengalami demo daripada syarikat buruh. Kami udah punyai asuransi business interruption

Menghitung klaim “Business Interruption”

Surprising to have a question “How to calculate a Business Interruption claim?” Berapa yang anda akan bayar? salam sesi presentasi penutupan asuransi “Property All Risks”.

What is sudden and unforeseen damage?

Many insured companies have grappled with what is sudden and unforeseen damage, especially in business interruption and machinery breakdown policies. Various insurers have had to explain to unhappy clients that a claim was not covered by the insurance policy, because the damage was caused by normal wear and tear or another gradual cause, and was not sudden and unforeseen.

 

Business Interruption on Influenza Pandemic

SARS in 2003 had a severe impact on business activity in certain sectors of the economy (Hotels, Airlines, Travel and Health industries) mainly in Asia, a Flu Pandemic, with its greater contagion, is likely to hit the broader business communities globally.

 

“Business interruption” cover commonly exclude infectious diseases cover. However some underwriters may consider to allow extension on this infectious deseases.

 

Rating Composition

A rate for a risk ideally should reflect the hazards and exposures that the risk presents. Similarly the broader the coverage the higher the rate should be.

 

A rate is made up of:

 

Moral Hazard

Analysis of the moral risk does not only mean assessing the Insured’s attitude to risk improvements or physical standards. It also includes what the client may do if he strikes financial difficulties or his behaviours when dealing with a claim.

 

Moral hazard can be one of the hardest aspects to judge. It’s also one of the most sensitive considerations you may be involved in.