Asuransi Ear Adalah – In each work, he must have risks that can interfere with the process of carrying out a project. These risks can take the form of failures, damage, loss or even accidents that cause workers’ injuries. All these risks certainly have financial consequences.
Consequently, in the general insurance line, it is known that the product provides protection or guarantees work risks in civil engineering projects such as structural work, machine facilities, assembly of steel components in other paintings and similar work. Not only that, the erection of all the risk of insurance (EAR) also guarantees the risk of responsibility for the injury of a third party or the damage to the goods that occur. Having an ear, the contractor / ver-ver / owner of the project as a person responsible for the project can allow the risk of damage or loss to the insurance company.
Asuransi Ear Adalah
In Indonesia, the commonly used standard policy or ear policy is Munich’s policy. The warranty (coverage) indicated in ear policy is generally divided into two parts (sections), that is to say that section I is a cover of material damage and section II is a coverage for responsibility third parties (legal responsibility compared to third parties).
Apa Saja Yang Harus Dilaporkan Ke Perusahaan Asuransi Ketika Terjadi Kecelakaan Proyek Konstruksi?
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In the meantime, for the responsibility of third parties (TPL) C beyond, the objects or elements which are commonly taken into account are:
Mengenal Asuransi Ear (erection All Risks Insurance)
3. TPL with regard to the costs and expenditure of the law, all the costs and costs of the disputes obtained by the prosecutor by the insured and all the costs and costs incurred with the written approval of the guarantor.
Ear policy generally guarantees the risk of physical damage or which suddenly and unexpectedly (sudden and inaccurate), as well as the cause (of any cause) as long as it is not excluded from politics On objects or disputed articles.
The “of any cause” declaration is an indication that, with regard to the objects or elements ensured in accordance with the ETERIALS C MANEMBER, the guarantee provided by the ear policy is very wide or defined all risks, although ‘In reality there are exceptions.
Lights, explosions, falling planes, actions to fight fire, floods, rain, hurricanes, flights, earthquakes, volcanic eruptions, etc. Until they are not excluded from politics.
Training Survey Risiko Asuransi Contractors All Risks (car) Dan Asuransi Erection All Risks (ear)
There are two types of risks excluded from ear policy, that is to say general exclusions and special exclusions. The general exceptions apply to both C compared to damage equipment and the responsibility of third parties C. In the meantime, special exclusions are in 2 groups, that is to say, special exclusions which do not ‘Apply that at the Li -cenie and special exclusions that apply only to the responsibility of third parties C.
The risks excluded on the basis of general exclusions are the risks of loss, damage or responsibilities which are directly or indirectly caused or derived from war, invasion, actions of foreign enemies, hostility, Civil war, rebellion, revolution, revolution, troubles, troubles, disorders, disorders, disorders, obstacles to workplaces, civil disorders, the acquisition of power, the bad actions committed Through people on behalf or with regard to Policy Organizations, conspiracy, confiscation or destruction of government orders or command of the authorities. In addition, there are also risks such as nuclear reactions, nuclear radiation or radioactive contamination, intentional action of the insured and arrest, whole or in part.
Ear ears of the pricing of the ears are generally determined in the price and for the total work period, while the sentence is calculated on the basis of the results of the multiplication between the total sum ensured by the coverage objects and the rate of Reward agreed by the insurer and the insured part. The value of the premium rate varies from 0, 12% -0, 20%, which depends on subscription factors such as the type of development project, the risk position, the value of the contract, the experience of entrepreneurs, the work program program and terms and conditions.
For the purposes of an aaterial war in ear policy, each object or confirmed element is determined by the assured and separate author; The sum of the whole sum assured is the total sum assured. The total sum ensured in addition to being the basis for the calculation of prices is also a liability limit (limit of responsibility) or maximum responsibility (maximum responsibility) in the event of loss which causes requests for remuneration (in this case the material request for a request).
Tiga Cara Memilih Asuransi Syariah Untuk Keluarga
With regard to the objectives of the responsibility of third parties C in the ear policy for each object or a confirmed article, the compensation limit is not the maximum responsibility or responsibility of the guarantor in terms of TPL complaints.
The ears policy has a period of coverage which has since started the work and ends with the part of the employment contract which was delivered after the first process or the tests and put into service coupled during the maintenance period.
When events occur that can cause complaints to politics, things that must be done by the insured are:
1. The insured must immediately inform (by phone, telegram or in writing) to the guarantor concerning the events that occur, indicating the nature and extent of the loss or damage.
Principal’s Advance Loss Of Profits (alop) Insurance
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