2013 ~ Akademi Asuransi

Lembaga Sertifikasi Profesi Profisiensi AAMAI (LSPP AAMAI)

Mulai tahun 2014, Gelar profesi ujian Asuransi untuk gelar AAAIK dan AAIK sudah tidak diselenggarakan lagi oleh Asosiasi Ahli Manajemen Asuransi Indonesia (AAMAI),  namun akan diadakan oleh Lembaga Sertifikasi Profesi Profisiensi AAMAI (LSPP AAMAI). Perubahan ini dapat dilihat di www.aamai.or.id atau www.lspp.aamai.or.id. Penyelenggaranya tetap sama, yaitu AAMAI, hanya mengambil bentuk yang berbeda.

Mengapa ada perubahan semacam ini? Hal ini sepertinya terjadi setelah disahkannya Standar Kompetensi Dasar untuk sertifikasi profesi di bidang asuransi oleh pemerintah yang digagas oleh Bpk Dr. Anton Lie dan kawan-kawan. Jelas bahwa gelar AAMAI yang sejak awal hingga tahun ini diraih bukanlah gelar sertifikasi namun hanya gelar keahlian. Dengan membentuk Lembaga Sertifikasi Profesi Profisiens, AAMAI menjawab kebutuhkan dunia asuransi untuk memiliki tenaga-tenaga yang tersertifikasi dan diakui dunia internasional.

Lalu apa bedanya ujian AAMAI dan ujian LSPP AAMAI? Asosiasi Ahli Manajemen Asuransi Indonesia (AAMAI) mulai tahun 2014   hanya menyelenggarakan ujian CGI (Certificate General Insurance) dan Sertifikat Lini Bisinis.

Ujian CGI berfungsi sebagai standar dasar/basic peserta untuk mengambil ujian LSPP AAMAI. Jadi hanya peserta yang telah/sudah lulus CGI  yang diperbolehkan  mengambil ujian LSPP AAMAI.  

Peserta yang wajib mengikuti ujian CGI adalah Peserta Baru dan Peserta Lama (peserta lama yang belum lulus 101 & 102 atau salah satu dari kedua subjek tersebut). Jadi, singkat kata, mata ujian LSPP AAMAI adalah materi yang sama yang diujikan di AAMAI 101 dan 102. Apakah modulnya sama? Sama!

Ujian CGI terdiri dari 2  subjek  yaitu Praktek Asuransi dan Hukum Asuransi.

Biaya ujian CGI meliputi :
Biaya pendaftaran         : Rp. 250.000 *
Biaya Subjek 101          : Rp. 200.000
Biaya Subjek 102          : Rp. 200.000
Total biaya CGI            : Rp. 650.000,-

* peserta lama tidak perlu membayar biaya pendaftaran lagi.

Untuk keterangan lebih lanjut, silakan komen di bawah.

Afrianto Budi

Sue and Labour Clause

In case of actual or imminent loss or damage, it shall be lawful and necessary for the Insured, their factors, servants or assignees, to sue, labour and travel for, in and about the defence, 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 property insured in case of loss be considered a waiver or acceptance of abandonment.  The Insurer shall contribute to the expenses so incurred as a result of the Insured’s compliance with this clause, up to the limits of liability as set forth herein.

Research & Development Clause

This policy covers loss or damage to research projects including the value of time spent on research projects, and the extra-expenses incurred in order to resume projects or otherwise minimise the time lost, resulting from or caused by a peril not otherwise excluded.

Civil or Military Authority

This policy also insures against direct loss caused by acts of destruction by order of civil or military authority at the time of and for the purpose of preventing the spread of a loss or damage caused by a peril not otherwise excluded by the policy.

Contingent Sales Offices

This policy subject to its term limitations and conditions shall also apply to the extent that an indemnity is not provided under a local policy not issued by or on behalf of the Insurers in respect of the Insured’s sales offices.

The Insurers’ liability under this extension shall apply to any office, and the Business Interruption as within defined.

Coinsurance Deficiency Clause

This policy covers the loss sustained by the Insured which results from the application of a co-insurance or average clause in the Insured’s local underlying insurance policies.  Therefore, this policy shall pay the difference between the amount recoverable under such underlying insurance and the total amount of the loss which would have been recoverable under such primary insurance without application of a co-insurance or average clause.

Builders Risk Clause

This policy is automatically extended to cover:
a)    property in course of construction
b)    the contractor’s and/or subcontractor’s interest in such property

In the territories covered by this policy subject to all its provisions and stipulations for an amount not exceeding XXXX  EURO per occurrence and regardless of whether the property concerned is new construction or property being worked upon.

It is further agreed that the insurers waive their right of recovery against any responsible party actively intervening on site in the execution of contractual obligations, for damage occurring to property insured hereunder.

Losses due to Fire, Lightning, Explosion or Falling Aircraft to the property under construction are insured up to XXX  EURO and the Insurers expressly retain their rights of recovery against any responsible party for damage to property insured hereunder in excess of XXX EURO per occurrence.

Coverage under this clause shall commence automatically when the construction starts and terminate at the time of provisional hand-over of the completed works (which shall also be the point at which coverage for the completed works is transferred to the appropriate policy) or the date of termination of this policy, whichever is the earlier. 

It is expressly agreed that the scope of this extension is confined to material damage losses and does not extend to any type of consequential loss in the form of Advanced Business Interruption.
Standard maintenance operations at existing properties are not considered as property under construction.
Damage to existing properties caused by property under construction remains covered as well as the Business Interruption following at policy terms and conditions.

Contingent Liability from Operation of Building Laws Clause

The following additional costs when there is direct physical damage as insured against to building(s) or structure(s), machinery and equipments  covered by this policy and such additional costs are occasioned by the enforcement of any law or ordinance regulating the construction, repair, replacement, use or demolition or removal of building(s) or structure(s), machinery and equipments which is in force at the time of loss and necessitates such costs:

a)    cost of demolishing any undamaged portion(s);

b)    value of the undamaged portion(s) which has been demolished subject to the same basis of recovery which applies to the damaged portion(s) of such building(s) or structure(s).  This cost shall not include any greater cost or repair, replacement, construction or reconstruction due to the enforcement of any law or ordinance;

c)    if the basis of recovery is replacement cost, the increased cost actually expended (excess of b) above) in rebuilding or replacing both the da¬maged and demolished portions on the same Described Location, with like height, floor area and style and for like occupancy to comply with the minimum requirements of such law or ordinance.

Fire Department Service Charges Clause

The regular agreed fire department service charges or those imposed by law that may be incurred because of a covered peril on or exposing the Described Location.

Pollutant Cleanup and Removal Clause

The necessary and reasonable expenses actually incurred by the insured to cleanup and remove Pollutants from land or water confined to Described Location if the release, discharge or dispersal of the Pollutants is caused by or results from any physical loss or damage  not otherwise excluded which occurs during the term of this policy, except no liability is assumed for the expense to cleanup and remove :

a)    pollutants from land or water at any location covered under the provisions of the Newly Acquired Property clause (Section 4.2. – General Extensions); or

b)    pollutants from land or water at any Miscellaneous Unnamed Location (Section 4.3. - General Extensions)

Extinguishing Costs Clause

The costs of extinguishing the insured property either following an event not otherwise excluded under this policy or to limit a loss, or following a fire or an explosion whatever its origin place;

Cost of Restoration of Garden Plantations Clause

The insurance under this policy extends to include within the limit stated in the Declarations the reasonable cost incurred by the insured for restoration and re-arranging of plantations on the insured  location when these plantations have been destroyed; when preventing or fighting a physical loss or damage not otherwise excluded.

Defence Costs Clause

The cost to defend any suit against the insured alleging physical loss or damage as insured against to personal property of others in the custody of the insured while on Described Location to the extent of the Insured's liability therefore, even if such suit is groundless, false or fraudulent; but the insurer may without prejudice make such investigation, negotiation or settlement of any such claim or suit as they deem expedient.

Temporary Removal of Property

Personal property of the insured while removed from Described Location for repairs, for servicing, or to avoid threatened loss or damage by any peril not otherwise excluded,  subject to a limit of liability of 10.000.000 EURO.  But this provision shall not apply to personal property removed from Described Location for normal storage or for processing nor to property covered by other insurance.


The following terms wherever used in this policy shall mean:

1.1               RAW STOCK

Material in the state in which the Insured receives it for conversion by the Insured into Stock in Process or Finished Stock.

1.2               STOCK IN PROCESS

Raw stock which has undergone any aging, seasoning, mechanical or other process of manufacture at described location but which has not become Finished Stock.

1.3               FINISHED STOCK

Stock manufactured by the Insured which in the ordinary course of the Insured's business is ready for packing, shipment or sale.

1.4               MERCHANDISE

Goods kept for sale by the Insured which are not Raw Stock, Stock in Process or Finished Stock.

1.5               NORMAL

The conditions that would have existed had no loss occurred.

1.6               MONTH

Thirty (30) consecutive days.

1.7               OCCURRENCE

Reference to loss arising out of one Occurrence shall mean the sum total of all loss or damage insured against out of or caused by one event.

1.8               INSURED'S LIABILITY

1.             Liability imposed by law upon the Insured; or

2.             Liability assumed by the Insured by specific agreement prior to loss for direct loss or damage of the type insured against.


The term Business Interruption shall mean Business Interruption, Extra Expense, Rental Value, Contingent Business Interruption.


Locations  of Real and Personal Property in which the Insured has an insurable interest, described on a schedule of locations attached to this policy; but also including Property covered  under the Newly Acquired Property , Investments/Capital Additions at Existing,  and Miscellaneous Unnamed Locations  - all as defined in Section 4.2. - General Extensions; and Temporary removal of Property as defined under Section

1.11            POLLUTANTS

Any solid, liquid, gaseous or thermal irritant or contaminant, including, but not limited to, smoke (except as defined in Section 6.17.- Definitions), vapour, soot, fumes, acids, alkalis, chemicals, bacteria, fungi, virus, meld, spores, vaccines and waste.  Waste includes materials to be recycled, reconditioned or reclaimed.


Fixtures, alterations, installations or additions comprising part of a building occupied but not owned by the Insured and acquired or made at the expense of the Insured, which the Insured cannot legally remove.

1.13            FIRE

Combustion of any material with flames outside abnormal fire source as well as slow combustion, auto-combustion, fermentation, oxidation, excess of heat, electrical arcing.

1.14            STORM,  WIND AND HAIL

The direct action of storm, wind or the direct action of hail (including sleet, whether accompanied by wind or not), but the following are not considered to be Storm, Wind and Hail losses :

1.             Loss caused directly or indirectly by ice (other than hail and sleet)), and snow, whether driven by wind or not; or

2.             loss caused directly or indirectly by damage to the interior of the building(s) or the property covered therein, unless the building(s) covered or containing the property covered shall first sustain an actual damage to roof or walls by the direct action of storm, wind or hail and then this policy shall cover such loss to the interior of the building(s) or the property covered therein.

3.             Loss caused when weight of snow or ice is a contributing factor to the fall or collapse of a building or structure or any part thereof.

This policy also covers expense necessarily incurred by the Insured for removal from described location of windblown debris of property not covered by this policy.


The rapid accumulation of snow and ice on roofs contributing to any loss or damage not otherwise excluded under this policy, and including fall or collapse of a building or structure or any part thereof.


1.             Water or other substance discharged from within any part of the fire protec­tive equipment for Described Location of for adjoining location.

2.             Collapse or fall of tanks forming a part of the fire protective equipment or the component parts or supports of such tanks.

3.             Freezing of fire protective equipment.

In the event of such loss, liability is specifically assumed for the cost (with due allowance for depreciation) of restoring the damaged portion of the fire protective equipment if such equipment is covered by this policy, except that in the event of loss or damage under 1. above, liability for restoring the damaged portion of the fire protective equipment is limited to the cost of restoring only that portion from which the water or other substance causing the loss or damage was discharged.

The term "fire protective equipment", whether automatic or not,  includes tanks, water mains, hydrants, or valves, and any other equipment whether used solely for fire protection or jointly for fire protection and for other purposes but does not include:

4.             Branch piping from a joint system where such branches are used entirely for purposes other than fire protection;

5.             Any underground water mains or appurtenances located outside of Descri­bed Location and forming a part of the public water distribution system;

6.             Any pond or reservoir in which the water is impounded by a dam.

1.17            EXPLOSION

A sudden and violent emanation of forces due to the expansion of gas or vapours, whether existing before or forming concurrently with such emanation.  For the purposes of this policy, explosion embraces implosion, that is to say a sudden and violent release of forces due the entry of gases , vapours or liquids into the apparatus or receivers of any kind whatsoever including pipes and conduits.; always provided  that the emanations as herein  defined occurring in devices or containers shall be deemed explo­sions only where the walls or casing thereof have undergone such breakage that the expansion or inrush of gas, vapour or liquid has produced a sudden equalisa­tion of internal and external pressures.

Explosion (including explosion of explosives) shall not include:

1.             Water hammering, or hammering by other liquids;

2.             cracking and splitting caused in equipment or boilers by wear or exposure to fire, bursting and breakage attributable to expansion of water from the effects of heat or frost, centrifugal force or other effects of mechanical forces;

3.             Shock waves attributable to the speed of any type of device whatever or induced by explosions not otherwise covered by the policy;

4.             Loss or damage caused to an apparatus or container (including any appar­atus of which such container is a part) by explosion attributable to wear or inherent defect in such apparatus or container.

The following are not explosions within the intent or meaning of this clause:

5.             Electrical arcing or any coincident rupture of electrical equipment due to such arcing;

6.             Bursting, rupture or collapse caused by freezing;

7.             Shock waves generated by aircraft, generally known as "sonic boom";

8.             Bursting, rupture or collapse of any safety disc, rupture diaphragm or fusi­ble plug.

1.18            SMOKE

Smoke resulting from the sudden, unusual and faulty operation of any stationary furnace located on Described Location, except accumulative damage or deprecia­tion.

1.19             AIRCRAFT

Actual physical contact of aircraft (which term shall include self-propelled missi­les and spacecraft) or objects falling there from, with the covered property, or with the building containing such property, except loss:

1.             from ordinary wear and tear or accumulative damage;

2.             By any aircraft aground when being taxied or moved inside or outside of buildings, but liability is assumed for such direct loss to buildings or struc­tures covered under this policy;

3.             To aircraft causing the loss.

1.20            VEHICLES IMPACT

Actual physical contact of vehicles running on land or tracks, with the covered property, or with the building containing such property, except loss:

1.             by any vehicle owned or operated by the Insured or by any occupant of Described Location or by any employee of the Insured or such occupant, but liability is assumed for such direct loss to buildings or structures covered under this policy;

2.             from ordinary wear and tear or accumulative damage;

3.             To vehicles causing the loss.

1.21            SONIC SHOCK WAVE

Sonic Shock Waves generated by aircraft, generally known as "sonic boom".

1.22        RIOT, CIVIL COMMOTION, AND VANDALISM (Except what is foreseen under endorsements 13 & 14 - Indonesia)

Riot, riot attending a strike, civil commotion, and vandalism and malicious mi­schief, including:

1.             Direct loss by acts of striking employees of the owner or tenant(s) of Descri­bed Location, while occupied or by said striking employees;

2.             Direct loss by act of a foreign enemy or agent of any government (de jure or de facto), provided such act is done secretly and not in connection with operations of military or naval armed forces of the country where the pro­perty is located;

3.             Direct loss from pillage and looting occurring during and at the immediate place of a riot, riot attending a strike, or civil commotion, or occupancy by striking employees.

The term “vandalism and malicious mischief” as used herein is restricted to and includes only wilful and malicious damage to or destruction of described property.

1.23            MOLTEN MATERIAL

Damage from Molten Material which shall have been accidentally discharged from equipment but loss caused by Molten Material does not include:

1.             Loss of or damage to such discharged material;

2.             The cost of repairing any fault which permitted such accidental discharge;

3.             The cost of removing or recovering such discharged material, except any debris removal clause that may be a part of this policy.


Acts of destruction by order of Civil or Military Authority at the time of and for the purpose of preventing the spread of a loss or damage  provided such loss or damage did not originate from any physical loss or damage excluded by this policy.

1.25            NAMED WINDSTORM

Each loss by named windstorm shall constitute a single occurrence hereunder if loss or damage is caused by or results from a named windstorm including ensuing storm surge. Other ensuing loss or damage not otherwise excluded herein shall not be considered named windstorm for the purposes of this description and will not be subject to the sub-limit relating to Named Windstorm.

Named Windstorm shall mean direct action of wind when such wind is associated with, or occurs in conjunction with a storm or weather disturbance which is named National Oceanic and Atmospheric Administrations (NOAA) National Hurricane Centre or similar body until sustained wind speeds drop below the parameter for naming storms.

Storm surge is defined as water driven inland from coastal waters by high winds and low atmospheric pressure.

1.26            ELECTRICAL DAMAGE

Damage of electrical nature, except from fire and explosion following, caused to devices, machinery and electrical , electronic engines and their accessories, participating to the production or exploitation tasks, as well as electric wires, including damage by lightning, and the influence of atmospheric electricity.



The assessment fees to be paid to the loss adjusters will be supported as follows

§     If the claim does not exceed the limit of liability of the Layer A: the loss adjuster’s expenses will be paid at 100 % by the Insurer under the Layer A.

§     If the claim exceeds the limit of liability of the Layer A: the loss adjuster’s expenses will be paid at 100 % by the Insurers under the Layer B & C



If during the period that insurance is in force under this policy, or within forty-five (45) days prior to the inception date thereof, on behalf of the Insurer there be filed with and approved or accepted by the insurance supervisory authorities, in conformity with law, any changes in the forms or endorsements attached to this policy, or the rules or regulations applying thereto, by which this insurance could be extended or broadened, without increased premium charge, by endorsement or substitution of form, then such extended or broadened insurance shall insure to the benefit of the Insured as though such endorsement or substitution of form has been made.


Any error or unintentional omission in the description or amount shall not oper­ate to the prejudice of the insured provided the error or the unintentional omission is immediately corrected when it becomes known to the Group Risk Management.


This insurance shall not be affected by failure of the Insured to comply with any provisions of this policy in any portion of the location over which the Insured has no control.

Ada juga wording lain dari klausul ini (versi 2):

It is agreed that this Policy shall not be invalidated by reason of any breach of any warranties in this policy beyond the control of or without the knowledge and consent of the Insured, provided due diligence by exercised by the Insured to ensure that such warranties are complied with.

Silakan mau dipakai yang mana.


This insurance shall not be invalidated should the Insured waive by express agreement prior to a loss any or all right of recovery against any party for loss or damage insured against by this policy.  The Insured shall do nothing after a loss to prejudice the subrogation rights of the Insurer.
Any recovery as a result of subrogation proceedings arising out of a loss occurrence, after expenses incurred in such subrogation proceedings are deducted, shall accrue to the Insured first up to the amount of the deductible borne by the insured, the rest of the amount of recovery remaining the Insurer's property.



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