tag:blogger.com,1999:blog-4172810157150089632025-08-15T07:35:49.900+07:00The Individual Professional Insurance Consultants, Insurance Agents, Complete Profiles, Knowledge sharing and others. [Profesional Konsultan Asuransi Umum / Asuransi Kerugian] Unknownnoreply@blogger.comBlogger304125tag:blogger.com,1999:blog-417281015715008963.post-38389864740389219442016-11-04T04:26:00.000+07:002016-11-04T04:27:06.029+07:00<div class=WordSection1><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:18.0pt;background:white;vertical-align:baseline'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Asuransi Bangunan Tempat Usaha dan Isi Bangunan</span></strong><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>adalah produk</span><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'><a href="http://tim-agen-asuransi.com/asuransi-dalam-wikipedia/" target="_blank"><span style='font-family:"inherit","serif";color:#4C7BE8;border:none windowtext 1.0pt;padding:0cm'>asuransi</span></a>yang dirancang dalam rangka memenuhi kebutuhan pada pengusaha kecil menengah akan perlindungan asuransi secara menyeluruh untuk tempat usaha.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:11.25pt;margin-left:0cm;text-align:justify;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span style='font-family:"Arial","sans-serif";color:#666666'>Produk yang komprehensif karena :<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Perlindungan lengkap dan menyeluruh<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Proses Penutupan Langsung<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>15 Okupasi yang dapat dijamin dalam paket produk ini<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Diperluas dengan Jaminan sesuai kebutuhan pelaku usaha<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l1 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Tertanggung nyaman dalam menjalankan usaha<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>15 Okupasi yang bisa dijamin dalam Paket Produk Ini &amp; Tarif Suku Premi</span></strong><span class=apple-converted-space><b><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>&nbsp;</span></b></span><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Pertahun</span></strong><span class=apple-converted-space><b><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>&nbsp;</span></b></span><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>yaitu :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1968% &#8211; Toko<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1926% &#8211;&nbsp;Restoran<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1484% &#8211; Showroom<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>4.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1417% &#8211; Rumah Produksi<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>5.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1369% &#8211; Apotik / Optik<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>6.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1318% &#8211; Hotel Melati atau Hotel Bintang 3<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>7.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1211% &#8211; Salon Kecantikan / Barber Shop<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>8.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,1015% &#8211; Studio Musik / Pemancar Radio<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>9.<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0987% &#8211; Fitness dan Sport Centre<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>10.<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0960% &#8211; Wartel / Warnet<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>11.<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0939% &#8211; Sudio Foto / Cuci Cetak<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>12.<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0826% &#8211; Sekolah, Universitas, Tempat Kursus<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>13.<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0797% &#8211; Rumah Sakit, Klinik Dokter, Lab Kesehatan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l4 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-family:"inherit","serif";color:#666666'><span style='mso-list:Ignore'>14.<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>0,0769% &#8211; Kantor (yang berlokasi di perkantoran/Rukan)<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Syarat Konstruksi :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l9 level1 lfo3;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Kelas 1<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l9 level2 lfo3;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Bangunan dikatakan berkonstruksi kelas 1 (satu) apabila dinding, lantai dan semua komponen penunjang strukturalnya serta penutup atap terbuat seluruhnya dan sepenuhnya dari bahan- bahan yang tidak mudah terbakar.Jendela-jendela&nbsp; dan/atau&nbsp; pintu-pintu&nbsp; beserta&nbsp; kerangkanya,&nbsp; dinding partisi dan penutup lantai boleh diabaikan.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l9 level1 lfo3;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Jumlah Lantai Maksimum 6 Lantai<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l9 level1 lfo3;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>NIlai Pertanggungan / Jaminan Rp. 200 Juta s/d Rp. 10 Milyar (Bangunan dan Isi)<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Perlindungan Menyeluruh,</span></strong><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>yaitu perlindungan terhadap diri Anda, usaha anda, Karyawan dan Pelanggan anda, secara lebih rinci</span><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Jaminan meliputi</span></strong><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>sbb :<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Fire</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjamin kerugian yang terjadi pada obyek pertanggungan yang disebabkan oleh Kebakaran, Petir, ledakan, kejatuhan pesawat terbang dan asap sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>RSMDCC</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjamin kerugian yang terjadi pada obyek pertanggungan yang disebabkan oleh Kerusuhan, Pemogokan, Perbuatan Jahat dan huru-hara sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Burglary</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjamin kerugian yang terjadi pada obyek pertanggungan yang mengalami kehilangan atau kerusakan yang diakibatkan oleh pembongkaran atau pencurian secara paksa dan/atau dengan kekerasan&nbsp;sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Accidental Damage</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>memberi ganti rugi / biaya perbaikan atas kerusakan&nbsp;seluruhnya atau sebagian pada obyek pertanggungan yang disebabkan oleh benturan fisik yang terjadi secara tiba-tiba, tidak terduga sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Landslide &amp; Subsidence</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjamin kerugian atau kerusakan yang terjadi pada obyek pertanggungan yang secara langsung disebabkan oleh tanah longsor dan/atau turunnya permukaan tanah&nbsp;sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-align:justify;text-indent:-18.0pt;mso-list:l5 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Perluasan Jaminan :</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Kecelakaan Diri</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Memberikan santunan atas kematian atau cacat tetap keseluruhan yang disebabkan suatu kecelakaan menimpa tertanggung, pasangan tertanggung, karyawan, pelanggan dari sebab risiko yang dijamin dalam polis sesuai ketentuan dalam polis.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Tertanggung dan Pasangan (24 Hours) &#8211; Masing-masing 1% dari total nilai pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Karyawan (dilokasi pertanggungan) &#8211; 0,5% dari total Nilai pertanggungan/orang, maksimum 2,5% dari total nilai pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Pelanggan (dilokasi pertanggungan) &#8211; 0,5% dari total Nilai pertanggungan/orang, maksimum 2,5% dari total nilai pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Tanggung Jawab Hukum (Liability)</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjamin kerugian cedera badan atau kerusakan harta benda pihak ketiga (bukan keluarga ataupun orang yang bekerja pada tertanggung) atas kecelakaan yang terjadi secara tidak sengaja dari sebab risiko yang dijamin dalam polis sesuai ketentuan dalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum 5% dari Total Nilai Pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Resiko Sendiri : 10% dari Klaim minimal Rp. 1 Juta&nbsp;&nbsp;(mana yang lebih besar)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Kelangsungan Usaha (Karena Fire, RSMDCC, Subsidence &amp; Landslide)</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Penanggung akan memberikan dana talangan apabila teradi kerusakan pada obyek pertanggungan dengan kerugian minimal Rp. 25 Juta dari harga pertanggungan ang disebabkan oleh Fire, RSMDCC, Landslide &amp; Subsidence sesuai ketentuan didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>2,5% dari Total Nilai Pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya Pengobatan (Karena Kebakaran)</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Memberikan Jaminan manfaat biaya pengobatan kepada tertanggung, pasangan tertanggung, karyawan dan pelanggan karena luka badan yang diakibatkan secara langsung dari peristiwa kebakaran pada obyek pertanggungan dan teradi dilokasi pertanggungan.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum 1% dari Total Nilai Pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya Jasa Dinas Kebakaran</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Memberikan penggantian biaya-biaya yang wajar dan layak dalam rangka penggunaan Jasa Dinas Pemadam Kebakaran guna melindungi obyek pertanggungan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum Rp. 25 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya Alat Pemadam Kebakaran</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Memberikan biaya untuk pengisian ulang alat pemadam kebakaran yang disebabkan oleh Risiko yang dijamin didalam polis<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum Rp. 5 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya Pembersihan Puing-puing</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Memberikan penggantian biaya pembersihan dan pembongkaran puing atas hancurnya/rusaknya bangunan dan barang-barang yang dijamin didalam polis ini<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum Rp. 20 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya Jasa Profesional</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Penanggung memberikan penggantian biaya arsitek, surveyor, konsultan hukum, konsultan pembangunan untuk perencanaan, spesifikasi, kuantitas, penawaran dan pengawasan yang perlu dalam pembangunan kembali obyek pertanggungan yang rusak karena disebabkan oleh risiko yang dijamin didalam polis ini.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Maksimum Rp. 25 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level2 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Biaya&nbsp;Kerusakan Perlengkapan di luar Bangunan</span></strong><span style='font-family:"inherit","serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:15.0pt;text-align:justify;text-indent:-18.0pt;mso-list:l5 level3 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Perlengkapan di luar bangunan seperti : Tambahan Atap Luar, Kerai, Papan Nama diluar bangunan, dijamin sampai dengan maksimum Rp. 5 Juta<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Cara Menentukan Nilai Pertanggungan</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo5;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>TSI (Total Sum Insured) = Harga Bangunan dan Harga Isi Bangunan (Perabot dan Stock)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo5;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Harga Bangunan mengacu kepada Nilai Pemmulihan kembali (Reinstatement Value) atau biaya membangun kembali sesaat sebelum kejadian.<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo5;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Harga Isi Bangunan dan stock : harga sebenarnya saat penutupan, maksimum senilai harga bangunan<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Ketentuan Obyek Pertanggungan :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l7 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Bangunan temasuk pondasi dan pagar, tidak termasuk tanah<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l7 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Isi bangunan meliputi mesin/peralatan, furniture, fixtures &amp; fittings yaitu segala peralatan yang terpasang / terinstalasi di bangunan tersebut<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l7 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Stok meliputi barang dagangan, bahan persediaan, bahan dalam proses dan sebagainya.<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Mekanisme Pembelian Produk Paket ini :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'><a href="http://tim-agen-asuransi.com/hubungi-kami/" target="_blank"><span style='color:#4C7BE8;border:none windowtext 1.0pt;padding:0cm'>Hubungi kami</span></a><span class=apple-converted-space>&nbsp;</span>: 021-55755306 atau email : terminal-support@tim-agen-asuransi.com<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'><a href="https://www.adrive.com/public/NXNUHH/Form%20SPPA%20ADIRA%20Bangunan%20dan%20Isi.xlsx" target="_blank"><span style='color:#4C7BE8;border:none windowtext 1.0pt;padding:0cm'>DOWNLOAD FORMULIR SPPA</span></a><span class=apple-converted-space>&nbsp;</span>(Klik)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Mengisi Form SPPA (Surat Permohonan Penutupan Asuransi)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Kirim Formulir yang telah diisi ke : terminal-support@tim-agen-asuransi.com<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Foto Copy KTP<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Tim kami akan sampaikan penawaran<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Anda mengkonfirmasi persetujuan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Kami proses aktivasi Jaminan, dan dikirimkan kepada Anda berikut Nota Tagihan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l11 level1 lfo7;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Pembayaran Premi dilakukan selambatna 14 (empat belas) hari kalender dari periode pertanggungan diaktifkan<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Cara Menghitung Premi :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:11.25pt;margin-left:0cm;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span style='font-family:"Arial","sans-serif";color:#666666'>[(Harga Pertanggunga Bangunan + Harga Isi) X Tarif Premi] + Biaya Administrasi &amp; Meterai = Total Premi dibayarkan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l10 level1 lfo8;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Biaya Administrasi : Rp. 50.000,-,<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l10 level1 lfo8;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Biaya Meterai :<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l10 level2 lfo8;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Premi dibawah 1 Juta = Rp. 29.000<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l10 level2 lfo8;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Premi diatas 1 Juta = Rp. 32.000<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Contoh : Premi Okupasi Kantor&nbsp;</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l3 level1 lfo9;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Harga Bangunan = Rp. 500 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l3 level1 lfo9;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Harga isi Bangunan = Rp. 200 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l3 level1 lfo9;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Total Harga Pertanggungan Rp. 700 Juta<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l3 level1 lfo9;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Premi : Rp. 700 Juta X 0,0769% = Rp. 538.300,- (+) Rp. 79.000 = Rp. 617.300,-<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l3 level1 lfo9;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Jadi Premi dibayar untuk periode 1 Tahun adalah Rp. 617.300,-<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Penanggung penerbit Polis</span></strong><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>:&nbsp;PT. Asuransi Adira Dinamika (100%)<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Prosedur Klaim :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l8 level1 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Lapor Klaim selambatnya 14 (empat belas) hari kalender sejak tanggal kejadian kerugian<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l8 level1 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Laporan Kejadian, pertama kali dikirimkan melalui (pilih salah satu)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l8 level2 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>HP ke 089.628.628.925<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l8 level2 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Email : teminal-support@tim-agen-asuransi.com<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l8 level1 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Selanjutnya Proses klaim akan dipandu oleh tim kami<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l8 level1 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Kondisi lain :<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l8 level2 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Syarat klaim, memberikan Dokumen Pendukung klaim yang diperlukan<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l8 level2 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Mengizinkan dilakukan survey di lokasi kejadian<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l8 level2 lfo10;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>Menjaga barang-barang yang rusak untuk proses penyelesaian klaim ganti rugi dan tidak dimusnahkan atau dijual tanpa izin dari penanggung<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Catatan :</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:red;border:none windowtext 1.0pt;padding:0cm'>Paket Jaminan ini belum termasuk :&nbsp;</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l6 level1 lfo11;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>EQVET: Earthquake, Volcanic Eruption, Fire &amp; Explosion following Earthquake, and Tsunami (gempa Bumi, Letusan Gunung Berapi, Kebakaran dan ledakan yang disebabkan oleh gempa bumi dan letusan gunung berapi dan tsunami, Tsunami)<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l6 level1 lfo11;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>TWFWD : Tempest, Windstorm, Flood, Water Damage (Badai, Angin Ribut, Banjir, Kerusakan karena air)\<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:11.25pt;margin-left:0cm;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span style='font-family:"Arial","sans-serif";color:#666666'>Jika diperlukan perluasan tersebut, bisa didapatkan dengan adanya tambahan Premi yaitu Tarif Premi dan resiko Sendiri sesuai ketentuan OJK (Otoritas Jasa Keuangan), dengan mengklik link berikut :<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l2 level1 lfo12;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'><a href="https://www.adrive.com/public/6FbADW/0%20-%20SE%20OJK%2021%20TGL%2030JUN2015" target="_blank"><span style='color:#4C7BE8;border:none windowtext 1.0pt;padding:0cm'>Tarif Premi TWFWD &amp; EQ/VET sesuai ketentuan OJK SE 21 Tanggal 30 Juni 2015</span></a><o:p></o:p></span></p><p class=MsoNormal><o:p>&nbsp;</o:p></p><p class=MsoNormal><o:p>&nbsp;</o:p></p><p class=MsoNormal><span style='font-size:10.0pt;mso-fareast-language:IN'>Terima kasih dan Salam,<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;mso-fareast-language:IN'>Selvi Aldriani from Private Gmail<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:10.0pt;mso-fareast-language:IN'>Find me @ <a href="http://www.selvi-aldriani.space/">http://www.selvi-aldriani.space/</a> </span></b><span style='font-size:10.0pt;mso-fareast-language:IN'> <o:p></o:p></span></p><p class=MsoNormal><o:p>&nbsp;</o:p></p></div>Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-71467631961122668922016-11-04T04:25:00.001+07:002016-11-04T04:25:59.802+07:00<div class=WordSection1><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Menghitung Premi Asuransi Pengangkutan Barang &#8211;</span></strong><span class=apple-converted-space><b><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>&nbsp;</span></b></span><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'><a href="http://tim-agen-asuransi.com/asuransi-pengangkutan-barang-marine-cargo-insurance/"><span style='color:#4C7BE8'>Marine Cargo Insurance</span></a></span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:11.25pt;margin-left:0cm;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span style='font-family:"Arial","sans-serif";color:#666666'>Untuk mengetahui berapa Premi Asuransi yang harus dibayarkan saat memutuskan membeli polis Asuransi Angkutan Barang atau Asuransi Pengiriman Barang atau biasa disebut juga Marine Cargo Indonesia, sebelumnya kita harus menentukan Nilai Harga Pertanggungan yang akan dijamin didalam Polis tersebut.<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant-ligatures: normal;font-variant-caps: normal;font-variant-numeric: inherit;font-stretch: inherit;outline: 0px;orphans: 2;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Harga Pertanggungan&nbsp;</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><span style='font-family:"Arial","sans-serif";color:#666666'>Nilai harga Pertanggungan<span class=apple-converted-space>&nbsp;</span></span><em><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>(Insured Value / Sum Insured)</span></em><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>dalam asuransi pengangkutan barang<span class=apple-converted-space>&nbsp;</span></span><em><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>(marine cargo insurance)&nbsp;</span></em><span style='font-family:"Arial","sans-serif";color:#666666'>tidak terbatas hanya pada harga barang<span class=apple-converted-space>&nbsp;</span></span><em><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>(invoice value)</span></em><span class=apple-converted-space><span style='font-family:"Arial","sans-serif";color:#666666'>&nbsp;</span></span><span style='font-family:"Arial","sans-serif";color:#666666'>namun dapat meliputi:<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(a) harga barang<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(invoice value)</span></em><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(b) biaya-biaya<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(incidental charges)</span></em><span class=apple-converted-space>&nbsp;</span>seperti biaya pengepakan<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(packing),</span></em><span class=apple-converted-space>&nbsp;</span>transportasi darat, transportasi laut<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(freight)</span></em>,<o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(c) Margin 10% s/d 20% untuk<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l0 level2 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(i) biaya administrasi,<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l0 level2 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(ii) penambahan biaya, misalnya jika harus re-order karena kargo rusak atau hilang<o:p></o:p></span></p><p class=MsoNormal style='margin-left:7.5pt;text-indent:-18.0pt;mso-list:l0 level2 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(iii) margin keuntungan jika barang dijual di tempat tujuan<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(profit margin),</span></em><o:p></o:p></span></p><p class=MsoNormal style='margin-left:0cm;text-indent:-18.0pt;mso-list:l0 level1 lfo1;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Wingdings;color:#666666'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-family:"inherit","serif";color:#666666'>(d) pajak dan bea import<span class=apple-converted-space>&nbsp;</span><em><span style='font-family:"inherit","serif";border:none windowtext 1.0pt;padding:0cm'>(import duties, taxes, etc)</span></em><o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><span style='font-family:"Arial","sans-serif";color:#666666'>Oleh karena itu akan sangat penting untuk menghitung Harga Pertanggungan yang memadai agar pada saat terjadi klaim tertanggung mendapatkan kompensasi ganti rugi yang cukup. Tertanggung juga perlu untuk menyampaikan kepada Penanggung (perusahaan asuransi) perhitungan Harga Pertanggungan tersebut supaya tidak terjadi perselisihan jikalau terjadi klaim.<o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><span style='font-family:"Arial","sans-serif";color:#666666'>Setelah Itu kita menghitung Premi tersebut dengan Rumus sbb:<o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>Harga Pertanggungan X Tarif Rate = Nilai Premi&nbsp;</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><strong><span style='font-family:"inherit","serif";color:#666666;border:none windowtext 1.0pt;padding:0cm'>(setelah itu, ada tambahan untuk biaya Meterai dan Biaya Polis)</span></strong><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal style='background:white;vertical-align:baseline'><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Sekilas Info :</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Kami memberikan pelayanan pengurusan Asuransi Angkutan Barang, Asuransi Pengiriman Barang, Asuransi Marine Cargo, Kondisi ICC (A) atau Dai Cover &#8220;B&#8221;, berikut Perluasan Jaminan yang sesuai dengan karakter jenis barang diangkut dan karakter jenis industri usaha nasabah serta sesuai dengan kebutuhan.</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>&#8211; Gratis Jasa Layanan Pengurusan Asuransi</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>&#8211; Gratis Konsultasi dan permintaan Penawaran Asuransi</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>&#8211; Gratis Layanan informasi &#8220;Loss Prevention&#8221;</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>&#8211; Gratis Layanan Pengurusan Klaim Asuransi</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant:inherit;font-stretch: inherit;font-style:inherit;font-weight:inherit;outline: 0px'><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Silahkan hubungi : terminal-support@tim-agen-asuransi</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Atau telepon : 021-55755306</span></em><span class=apple-converted-space><i><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>&nbsp;</span></i></span><span style='font-family:"Arial","sans-serif";color:#666666'><br></span><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Kunjungi : http://www.tim-agen-asuransi.com</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:18.0pt;background:white;vertical-align:baseline;font-variant:inherit;font-stretch: inherit;font-style:inherit;font-weight:inherit;outline: 0px'><em><span style='font-family:"inherit","serif";color:blue;border:none windowtext 1.0pt;padding:0cm'>Dapatkan Juga Fasililtas Gratis Konsul dan Pelatihan Asuransi tentang &#8220;Memahami Polis Asuransi Anda&#8221;</span></em><span style='font-family:"Arial","sans-serif";color:#666666'><o:p></o:p></span></p><p class=MsoNormal><o:p>&nbsp;</o:p></p><p class=MsoNormal><span style='font-size:10.0pt;mso-fareast-language:IN'>Terima kasih dan Salam,<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;mso-fareast-language:IN'>Selvi Aldriani from Private Gmail<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:10.0pt;mso-fareast-language:IN'>Find me @ <a href="http://www.selvi-aldriani.space/">http://www.selvi-aldriani.space/</a> </span></b><span style='font-size:10.0pt;mso-fareast-language:IN'> <o:p></o:p></span></p><p class=MsoNormal><o:p>&nbsp;</o:p></p></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-66586995472995466402015-04-14T14:08:00.001+07:002015-04-18T06:31:14.251+07:00<div style="text-align: justify;"> <br /></div> Risks : VAR<br /> <br /> <div style="text-align: justify;"> Y2K Partial Exclusion Clause There is no insurance under this policy in respect of any claim of whatsoever nature which arises directly or indirectly from or consists of the failure of any : a.Electronic circuit, microchip, integrated circuit, microprocessor, embedded system , hardware, software, firmware, program, computer, data processing equipment, telecommunication equipment or systems, or any similar device. b.Media or systems used in connection with any of the foregoing Whether the property of the Insured or not, at any time to achieve any or all the purposes and consequential effects intended by the use of any number, symbol or word to denote a date. Including without limitation, the failure or inability to recognize, capture, save, retain or restore and/or correctly to manipulate, interpret, transmit, return, calculate or process any date, data, information, command, logic or instruction as a result of i). Recognizing, using or adopting any date, day of the week or period of time, otherwise than as, the true of correct date, day of the week or period of time. ii) The operation of any command or logic which has been programmed or incorporated into anything referred to in (a) or (b) above. But this extension shall not exclude any claim for subsequent loss or destruction of or damage to any property or consequential loss which itself result from a defined contingency (as defined hereunder) but only to the extent that such claim would otherwise be insured under this policy. Definition : For the purpose of this exception only, “defined contingency” shall mean fire, lightning, explosion, aircraft and other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked out workers, person taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe, impact by any road vehicle or animal or theft. The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore. </div> Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-13671412136724043482015-04-14T14:06:00.001+07:002015-04-18T06:32:42.030+07:00Risks : PLI<br /> <br /> <div style="text-align: justify;"> &nbsp;The Indemnity will not apply to legal liability Of whatsoever nature directly or indirectly caused by or constributed to by or arising from the failure of any computer or other equipment or system for processing storing not retrieving data, whether the property of the Insured or not, and whether occurring before, during or after the year 2000 1. Correctly to recognize any date as its true calendar rate. 2. To capture save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise as its true calendar date. 3. To capture save retain or correctly to process any data as result of the operation of any command which has been programmed into any computer software being a command which causes th loss of data or the inability to capture save retain or correctly to process such data on or after any date. </div> Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-39681575358246834062015-04-14T14:05:00.001+07:002015-04-18T06:41:07.018+07:00Risks : PLI<br /> <br /> <div style="text-align: justify;"> “notwithstanding anything contained herein to the contrary, this policy is extended to include damages : a) Resulting from wrongful arrest (including assault inconnection with such wrongful arrest b) In respect of defamation Provided that the liability of the Insurer under each of a and b shall be limited to in respect of any one event or series of events with one original cause or source </div> Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-13786562589588345532015-04-14T14:04:00.001+07:002015-04-18T06:41:29.841+07:00Risks : IAR<br /> <br /> Workmen are allowed in and/or about any of the described premises for the purpose of making new erections or alterations, repair, decoration, plant installation, general maintenance and the like without prejudice to the terms and conditions of the Policy. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-65927057582847111692015-04-14T14:03:00.001+07:002015-04-18T06:46:32.779+07:00Risks : PLI<br /> <br /> It is hereby declared and agreed that this policy extends to cover liability arising out of water, flood and fumes Anonymousnoreply@blogger.com1tag:blogger.com,1999:blog-417281015715008963.post-72621479986687323762015-04-14T14:02:00.001+07:002015-04-18T06:47:02.123+07:00Risks : VAR<br /> <br /> <div style="text-align: justify;"> Notwithstanding anything to the contrary contained herein this policy does not cover Loss or Damage directly or indirectly occasioned by, happening through or in consequnece of war, invasion, acts of foreign enemies, hostilities, or war like operations (whether war be declared or not), civil war, insurrection / popular rising, rebellion, revolution, military or ursurped power or confiscation or nationalism or requisition or destruction of or damage to property by or under the order of any government or public or local authority. </div> Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-17455956245803665052015-04-14T14:00:00.001+07:002015-04-18T06:47:19.987+07:00Risks : VAR<br /> <br /> <br /> In the event of claim arising under this policy it is agreed that the Company waives all rights, remedies or relief to which it might become entitled by subrogation against any of parties comprising the Insured herein. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-16339478640825430182015-04-14T13:59:00.001+07:002015-04-18T06:47:54.516+07:00Risks : CEAR<br /> <br /> It is agreed that the Insurance by this section extends to include all sums which the Insured shall become legally liable to pay in connection with damage to property other than property insured under section 1 caused by collapse, subsidence, vibration, weakening or removal of support of lowering of ground water arising out of or in the course of or by reason of the carrying out to the Insured Contracts. 1. Caused by the negligence, omission or default of the Contractor, his servants or agents or any of their Co-Contractors, Sub-Contractors and Suppliers their servants or agents. 2. Attributable to errors or omission in the designing of the work. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-75701881860003058132015-04-14T13:58:00.001+07:002015-04-18T06:48:11.948+07:00Risks : IAR<br /> <br /> In the event of the Insured’s Property being left loaded in Vehicles or freight containers overnight while in, on or about the premises hereby insured the Insurer will indemnify the Insured for the loss of or damage to such Property caused by fire or any other peril insured hereby, provided always that the Insurer’s Liability shall not exceed the sum insured of Property under the Policy. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-61258737853172131202015-04-14T13:54:00.001+07:002015-04-18T06:48:35.439+07:00This Policy is extended to cover computers system records including software, documents, manuscripts, valuable papers, securities, deeds micro-inscribed documents, specifications, plans, maps, films, mortgages, abstract, drawing, designs, books, business books, media and the data recorded thereib abd other records if every description, the cost and expenses of reinstating replacing reproducing or restoring the same, including : a. The cost of gathering and/or assembling and/or researching the information b. Information contained therein or thereon But excluding the value to the Insured of the said information or, if such is note requires, the replacement cost of materials as blank stationary at the time and place of the Damage. “Valuable Papers and Records” is defined as written, printed or otherwise inscribed documents and records including but not limited to books, maps, films, drawings, abstracts, deeds, mortgages, micro inscribed documents, manuscripts, and media and the date records thereon but not including money and/or securities. “Media” is defined as materials upon which data is recorded including but not limited to paper tapes, cards, electronic memory circuits and magnetic or optical storage devices. “Data” is defined as facts, concepts or instructions in a form usable for communications, interpretation or processing by automatic means and includes computer program. “Securities” is defined as all negotiable and non-negotiable instruments or contracts representing either money or other property and includes revenue and other stamps in current use, tokens and ticket but does not include money. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-48874239295040135212015-04-14T13:53:00.003+07:002015-04-18T06:48:52.653+07:00Risks : PLI<br /> <br /> It is hereby understood and agreed that this policy extends to indemnify the Insured for claims in respect of bodily injury or damages to the property arising out of the use of vehicles (not licensed for public road) in and around the premises for the purpose of property maintenance and repair. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-9894488047958884182015-04-14T13:53:00.001+07:002015-04-18T06:49:16.229+07:00All Transmission and distribution lines, including wire, cable, poles, pylons, standard towers and any equipment of any type of which may be attendant to such installation of any description. This exclusion includes but is not limited to transmission or distribution of electrical power, telephone or telegraph signal and all communication signal whether audio or visual. This exclusion applies to both above and below ground equipment except that which is within 1,000 meters of the insured’s premises or as defines in the Insurer’s policy(ies) This exclusion applies both to physical or damage to the equipment and all business interruption, consequential loss and/or other contingent losses related to transmission and distribution lines. Another Version This Insurance does not cover any loss, damage, costs or expense to any type pf above ground conductors for the transmission or distribution of electrical energy. Telephone, or telegraphic signals, and all communication signal whether audio or visual including wire, cable, poles, scaffolding, pylons, and masts or any property forming part thereof or connected therewith and including substations and transformer stations other than those on or within 300 meters of the insured premises. It is however understood and agreed that this exclusions shall not apply to contingent business interruption coverage including public utilities extensions and/or suppliers extensions, provided that those are not part of a suppliers’ or distributors’ policy. Anonymousnoreply@blogger.com1tag:blogger.com,1999:blog-417281015715008963.post-45812956324337725052015-04-14T13:52:00.003+07:002015-04-18T06:49:32.052+07:00Risks : VAR<br /> <br /> Both the Insurer and the Insured are entitled to terminate this insurance upon thirty (30) days notice in writing being given. Such termination should be effected to the registered letter and the Insured entitle to a pro-rata return premium for the unexpired period of Insurance. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-27076888875229413402015-04-14T13:52:00.001+07:002015-04-18T06:49:47.737+07:00Risks : BT, TI, IAR<br /> <br /> It is hereby noted and agreed that in consideration of the Insured having paid an additional premium, this policy shall be extended to cover loss and/or damage to the insured property caused by Theft without any visible violent or forcible entry to the insured premises, provided always that this endorsement shall be deemed to exclude property stored in the open air. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-24335489374787026032015-04-14T13:51:00.006+07:002015-04-18T06:50:08.528+07:00Risks : IAR<br /> <br /> <div style="text-align: justify;"> Notwithstanding any provision to the contrary within this insurance or any endorsement thereto, it is agreed that this insurance exclude loss, damage, cost of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group (s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, surpressing or in any way relating to any act of terrorism. If the Underwriters allege that by reasins of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this endorseement is found to be valid or unenforceable, the remainder shall remain in full force and effect. NMA 2920 08/10/2001 </div> Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-17606625874022869282015-04-14T13:51:00.003+07:002015-04-18T06:50:23.552+07:00Risks : IAR<br /> <br /> TENANTS IMPROVEMENTS CLAUSE The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore.. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-35980976522835935972015-04-14T13:51:00.001+07:002015-04-18T06:52:06.026+07:00Risks : IAR<br /> <br /> TEMPORARY REMOVAL CLAUSE It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered in respect of the perils hereby insured against whilst temporarily removed for cleaning, renovation, repair or other similar purposes, elsewhere on the same premises or any other premises in the Republic of Indonesia and in transit thereto and therefrom by road. Provided always that: 1. The amount recoverable under this Extension in respect of each item of this Policy shall not exceed the amount which would have been recoverable …the loss occurred in that part of the premises from which the property temporarily removed nor, in respect of any loss occurring elsewhere than …the said premises, 10% of the sum insured by this Policy after deductible therefrom the value of any building (exclusive of fixtures and fittings) stock in trade or merchandise hereby insured. 2. This extension does not apply to property if and so far as it is otherwise insured. 3. As regards losses occurring elsewhere than at the premises from which the property is temporarily removed to: a. motor vehicles and motor chassis licensed for normal road use b. property held by the Insured in trust, other than machinery and plant This clause is subject otherwise to all the terms and conditions of the Policy to which it is attached. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-46109340156699411772015-04-14T13:50:00.003+07:002015-04-18T06:52:26.127+07:00Risks : IAR<br /> <br /> Subject to the terms, conditions and exclusions of the policy, loss resulting from interruption of or interference with the Business in consequence of Damage to : a. property of suppliers, manufactures or processors of components, goods, materials, suppliers of service or other facilities and their suppliers. b. Property of customers c. Property whilst in transit by road, rail or inland waterway. Anywhere in the World is regarded as due to the insured Events insured by the Specification shall be deemed to be the loss resulting from Damage to property of the Insured. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-76444549962782214572015-04-14T13:50:00.001+07:002015-04-18T06:52:43.221+07:00Risks : PLI, CEAR, MARINE CARGO<br /> <br /> &nbsp;In case of actual or imminent, with prior notice to and approval from the Insurers, loss or damage, it shall be lawful and necessary for the Insured, his or their factors, servants or assign to use, labor and travel for, in and about the defense, safeguard and recovery of the property insured hereunder, or any part thereof without prejudice to this insurance, nor shall the acts of the insured or the insurers in recovering, saving and preserving the insured property in case of loss or damage, be considered a waiver or abandonment, to the charge whereof, the Insurers will contribute according to the rate and quantity of the sum herein insured. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-30962167313671408962015-04-14T13:49:00.005+07:002015-04-18T06:53:05.099+07:00Risks : PLI<br /> <br /> It is explicitly agreed and noted that this policy applies to cover bodily injury or property damage arising out of such pollution caused by a sudden, unintended and unexpected happening. Anonymousnoreply@blogger.com1tag:blogger.com,1999:blog-417281015715008963.post-9139251808735239962015-04-14T13:49:00.003+07:002015-04-18T06:53:20.148+07:00It is hereby noted and agreed that, this policy shall also cover the peril of subsidence, landslip or landslide except: Subsidence, landslip or landslide caused by: - faulty construction of the building or structure - faulty design of the building or structure - soil damage due to human action - nuclear reaction. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-34704515081008799682015-04-14T13:49:00.001+07:002015-04-18T06:53:42.592+07:00Risks : IAR<br /> <br /> It is hereby noted and agreed, that the structural alteration and extension of the buildings mentioned in this Policy is allowed, as are the erection of new building, installation, reinstallation, replacement of machines, tools, implements, piping or other installation and objects as well as to move all these within the premises. In case of removal or demolition of an insured object this insurance will cover the new items substituting the removed or demolished objects up to the original amount insured. Anonymousnoreply@blogger.com0tag:blogger.com,1999:blog-417281015715008963.post-1786481370469879582015-04-14T13:47:00.001+07:002015-04-18T06:54:22.265+07:00Risks : IAR –<br /> <br /> STOCK ADJUSTABLE<br /> <br /> 1. In consideration of the premium by this policy being provisional in that it is calculated on 75 % of the sum insured hereby and is subject to adjustment on expiry of each period of insurance : The Insured agrees to declare to the Insurer in writing the value of his stocks (other than retail), less any amount insured by Policies other than declaration policies, on the following basis namely the average of the values at risk during the month and to make such declaration within thirty days of the last day of the calendar month, such declaration to be signed by the Insured or by a responsible person authorized to sign on his behalf. If other policies on a declaration basis cover the stocks hereby insured the declaration shall be made so as to apportion to each policy a share of the value of the stocks insured under such declaration policies, pro rata to the respective amounts named in the policies. In the event of a declaration not being made within the 30 days mentioned above then the Insured shall be deemed to have declared the sum hereby as the value at risk. On the expiry of each period of insurance the premium shall be calculated at the rate quoted on the average sum insured, namely the total of the values declared or deemed to have been declared divided by the number of declarations due to have been made. If the resultant premium be greater than the provisional premium the Insured shall pay the difference, if it be less the difference shall be repaid to the Insured but such repayment shall not exceed one third of the provisional premium. 2. The basis of value for declarations shall be the market value and any loss hereunder shall be settled on the basis of the market value immediately anterior to the loss. 3. If at the time of any loss, there be any other subsisting insurance or insurances on other than a declaration basis, whether effected by the Insured or by any other person or persons, covering the stocks hereby insured, this Policy shall apply only to the excess of the value of such stocks at the time of loss over the sum insured by such insurance or insurances, and this Insurer shall not be liable to contribute more than that proportion of such loss which such excess (or, if there be other declaration insurances covering the same stock, a rateable proportion of such excess), but not exceeding the sum insured hereby, bears to the total value of the stocks. 4. If after the occurrence of a loss it is found that the amount of the last declaration previous to the loss is less than the amount that ought to have been declared, then the amount which would have been recoverable by the Insured shall be reduced in such proportion to the amount of the said last declaration bears to the amount that ought to have been declared. 5. Notwithstanding the occurrence of a loss it is understood that the sum insured will be maintained at all times during the currency of the Policy and the Insured therefore undertakes to pay extra premium on the amount of any loss pro rata from the date of such loss to the expiry of the period of occurrence, the premium being calculated at the rate applicable to the stock destroyed and such extra premium shall not be taken into account in, and shall be distinct from, the final adjustment of premium. 6. In the event of this Policy being cancelled by the Insured during its currency (Whether stocks exist or not) the premium to be retained by the Insurer shall be the appropriate short period premium calculated on the average amount insured up to the date of cancellation, or 50 % of the provisional premium whichever is the greater but if the Policy is cancelled by the Insured after loss has occurred the premium to be retained by the Insurer shall be the pro rata proportion of the premium calculated on the average amount insured on the date of cancellation plus the pro rata proportion if the premium from the date of loss to the expiry of the period of Insurance on the amount of the loss paid, or 50 % of the provisional premium whichever is the greater. 7. The maximum liability of the Insurer shall not exceed the sum insured hereby and premium shall not be receivable on values insured thereof. The sum insured may, however, be increased by prior agreement with the Insurer in which event the new sum insured and the date from which it is effective will be recorded on the Policy by endorsement. 8. If the stocks hereby insured shall at the time of loss be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference and shall bear a rateable proportion of the loss accordingly. Every time, if more than one Sum Insured exist on stocks (other than retail) it shall be separately subject to this condition. 9. It is warranted that every other Policy on a declaration basis covering the stocks insured hereby shall be identical in wording with the Policy. This insurance is subject in all respect to the printed conditions of the Policy except in so far as they may be varied by these every Anonymousnoreply@blogger.com0