Keadaan kahar adalah keadaan diluar kendali pihak yang menyebabkan tidak dapat melaksanakan kewajiban sesuai kontrak. Cidera janji terjadi jika salah satu pihak gagal melaksanakan kewajiban sehingga menimbulkan kerugian pihak lain. Kontrak dapat diakhiri jika keadaan kahar berlangsung lebih dari 6 bulan atau jika terjadi cidera janji, dan pihak yang dirugikan berhak mengajuk
Dokumen tersebut merupakan penjelasan tentang Machinery Breakdown Insurance yang menggunakan wording standar Munich-Re. Polis ini memberikan pertanggungan terhadap kerusakan mesin yang disebabkan oleh kecelakaan seperti cacat material, kesalahan desain, atau kecerobohan. Penanggung akan memberikan ganti rugi berupa biaya perbaikan atau penggantian mesin. Terdapat pengecualian tertentu seperti kerusakan akibat kebakaran atau banjir, serta
Dokumen tersebut membahas tentang asuransi properti untuk usaha, mencakup lingkup pertanggungan, manfaat, syarat penutupan, prosedur klaim, dan pertanyaan yang sering diajukan mengenai asuransi properti.
Dokumen tersebut membahas berbagai jenis produk asuransi yang meliputi asuransi harta benda, kendaraan bermotor, kecelakaan diri, dan menjelaskan cakupan pertanggungan serta risiko yang dijamin dan dikecualikan dalam setiap jenis asuransi."
Wanprestasi adalah ketidakmampuan untuk memenuhi kewajiban sesuai dengan perjanjian. Debitur dapat dinyatakan wanprestasi jika gagal melakukan, melakukan dengan cara berbeda, atau terlambat dalam melakukan kewajibannya, atau melakukan sesuatu yang dilarang dalam perjanjian. Kreditur dapat memberikan peringatan tertulis sebanyak tiga kali sebelum membawa kasus ke pengadilan untuk memutus
Keadaan kahar adalah keadaan diluar kendali pihak yang menyebabkan tidak dapat melaksanakan kewajiban sesuai kontrak. Cidera janji terjadi jika salah satu pihak gagal melaksanakan kewajiban sehingga menimbulkan kerugian pihak lain. Kontrak dapat diakhiri jika keadaan kahar berlangsung lebih dari 6 bulan atau jika terjadi cidera janji, dan pihak yang dirugikan berhak mengajuk
Dokumen tersebut merupakan penjelasan tentang Machinery Breakdown Insurance yang menggunakan wording standar Munich-Re. Polis ini memberikan pertanggungan terhadap kerusakan mesin yang disebabkan oleh kecelakaan seperti cacat material, kesalahan desain, atau kecerobohan. Penanggung akan memberikan ganti rugi berupa biaya perbaikan atau penggantian mesin. Terdapat pengecualian tertentu seperti kerusakan akibat kebakaran atau banjir, serta
Dokumen tersebut membahas tentang asuransi properti untuk usaha, mencakup lingkup pertanggungan, manfaat, syarat penutupan, prosedur klaim, dan pertanyaan yang sering diajukan mengenai asuransi properti.
Dokumen tersebut membahas berbagai jenis produk asuransi yang meliputi asuransi harta benda, kendaraan bermotor, kecelakaan diri, dan menjelaskan cakupan pertanggungan serta risiko yang dijamin dan dikecualikan dalam setiap jenis asuransi."
Wanprestasi adalah ketidakmampuan untuk memenuhi kewajiban sesuai dengan perjanjian. Debitur dapat dinyatakan wanprestasi jika gagal melakukan, melakukan dengan cara berbeda, atau terlambat dalam melakukan kewajibannya, atau melakukan sesuatu yang dilarang dalam perjanjian. Kreditur dapat memberikan peringatan tertulis sebanyak tiga kali sebelum membawa kasus ke pengadilan untuk memutus
Gas or Grouse Case Solution (Business Ethics)Ridwan Ichsan
The Bureau of Land Management imposed restrictions on gas drilling in the Pinedale Mesa region of Wyoming to protect wildlife species like sage grouse, but gas companies argued that increased drilling was important for energy supply and economic growth; however, drilling posed risks to wildlife through habitat loss and pollution, so regulators had to balance environmental and economic concerns in setting policies.
This document outlines 3M Canada's 2010 integrated marketing campaign proposal to support the Canadian Breast Cancer Foundation. The campaign, called "Do For The Cure", includes online contests like a musical video contest and dance contest to promote breast cancer awareness. It also includes in-person events like a screening tour, run for the cure race, and leveraging partnerships with TV shows like Glee. The goals are to drive sales of Post-it products, engage customers and employees, and maximize return through donation of proceeds to the foundation.
Dokumen tersebut membahas tentang sejarah, operasi, strategi, dan pencapaian McDonald's. McDonald's didirikan pada tahun 1948 dan mulai beroperasi secara luas pada tahun 1955. Perusahaan ini berfokus pada kepuasan pelanggan, anak-anak, dan ekspansi ke pasar baru melalui berbagai inovasi. McDonald's telah berkembang menjadi restoran cepat saji terbesar di dunia dengan lebih dari 36.000 gerai di lebih dari 100 neg
Underwriting Liability Insurance: an overviewRidwan Ichsan
The document provides an overview of factors to consider when underwriting liability insurance. These include details about the insured, their occupation, premises, custody of property, work away from premises, emissions, customers, processes, use of chemicals and hazardous substances, health and safety records, trade waste, manufacturing processes, source of materials, design work, products, purpose of products, safety considerations, complexity, packaging, and discontinued products. Secondary risks from number of people affected, reliance on the product, and how the end user utilizes the product are also important to assess.
Avn 102 waiver of subrogation endorsementRidwan Ichsan
This document is a waiver of subrogation endorsement that waives the insurer's rights to recover paid claims from a specified entity. The waiver does not affect the insurer's right to recover from that entity if it was the manufacturer or maintainer of the damaged aircraft. The endorsement is intended for use in aircraft insurance policies to waive subrogation against certain other entities involved in the aircraft.
An insured shall not deliberately conceal or provide false information regarding a claim. Doing so constitutes fraud and the insurers have the right to refuse payment of the claim. If false information is provided about the cause of loss or claimed amount, insurers can terminate cover, recover sums paid for losses since the event, and retain premiums paid. Any part of the clause conflicting with governing law is void.
This letter notifies the appointed broker that the insurance certificate for an aircraft engine has terminated the AVN 99 Continuing Liability Endorsement for the benefit of the contract parties. The designated contract party specifies that at a certain time and date, the insured party is no longer obligated to insure the interests of the contract parties as former financiers, lessors, or lease servicers of the equipment under the contracts. Consequently, the continuing liability insurance provided through the AVN 99 endorsement for the benefit of the contract parties was terminated as of that specified date and time.
1) This document is an endorsement to an aircraft finance/lease contract that provides continuing liability coverage for specified contract parties.
2) It adds the contract parties as additional insureds under the legal liability policy and makes the coverage primary without right of contribution from other insurers.
3) Coverage is provided from the effective date until the contract parties are no longer required to insure their interests, as long as notification is given within 30 days.
Avn 98 aviation products grounding and other aviation liabilities insuranceRidwan Ichsan
This document outlines various types of aviation insurance coverage provided across multiple sections, including:
1) Aviation products and grounding liability insurance that covers legal liability for bodily injury, property damage, or loss of use from defective aviation products or from grounding aircraft.
2) Working parties liability insurance that provides coverage for legal liability from occurrences involving working parties.
3) Aircraft third party and passenger liability insurance that insures against legal liability for bodily injury from aircraft accidents.
It provides coverage limits and exclusions for each section, as well as general policy information and conditions.
This document contains an arbitration clause that outlines procedures for resolving disputes between parties through arbitration. Key details include:
- Disputes will be resolved through arbitration according to the rules of [organization]
- Arbitration will take place in [location] and the language will be [language]
- Each party will appoint one arbitrator and the two appointed will appoint a third, or the parties can jointly appoint a sole arbitrator
This letter notifies the appointed broker that as of a specified date and time, the insurance provided by endorsement AVN 67C for an aircraft engine has terminated. The designated contract party is no longer obligated to insure the equipment under the contract. The letter requests that the broker provide a certificate applying continuing liability endorsement AVN 99 for the benefit of the contract parties, effective from the date and time of termination.
This document is an endorsement to an aircraft insurance policy to protect the interests of financing parties in the event of losses to insured equipment. Key points:
1. It ensures claims payments are made to financing parties in the event of a total loss or to repair parties for other claims.
2. Financing parties are included as additional insureds under the policy.
3. Coverage of financing parties cannot be invalidated by acts of other parties without their knowledge or consent.
Avn 67 c airline finance lease contract endorsementRidwan Ichsan
This document is an endorsement to an aircraft insurance policy to include additional parties. It provides that in the event of a total loss settlement, payment will be made to the contract parties. It also includes the contract parties as additional insureds under the policy and stipulates that their coverage cannot be invalidated by acts of other parties. The endorsement defines key terms used such as the equipment covered, effective date, and contract parties included.
AVN 52K was published in 2006 to restrict coverage for certain aviation risks to negotiated sub-limits that would apply across all covered aircraft. However, it also intended to provide option for full policy limits for losses on a single aircraft where devices were placed onboard or emergencies occurred in flight. AICG has realized AVN 52K could expose insurers to full limits across multiple aircraft in some cases, breaching the original principle. To resolve this, AICG has published a modified clause AVN 52R to remove any ambiguity.
Avn 52 r extended coverage endorsement aviation liabilities Ridwan Ichsan
1. This document extends coverage provided by an aviation insurance policy. It deletes certain exclusions from the original policy related to war, hijacking, and other risks.
2. It provides limits on the insurer's liability for different types of claims covered by the extended coverage. The liability is subject to sub-limits that are within the overall policy limit.
3. The extended coverage will terminate automatically in certain circumstances such as war between specified countries or requisition of an insured aircraft. The coverage may also be cancelled by the insurer or insured with 7 days notice.
Avn 52 p aviation manufacturers product liabilities endorsementRidwan Ichsan
This document outlines an endorsement to an aviation manufacturers' product liability policy. It provides coverage that overrides some exclusions in the existing war and hijacking exclusion clause, for legal liability arising from the insured's products. Coverage is limited to specific amounts and can terminate automatically depending on certain political events between major nations or detonation of nuclear weapons. The endorsement is part of the specified policy and subject to all its terms and conditions.
Avn 52 p a products endorsement for avn52 clausesRidwan Ichsan
This document provides an endorsement to amend coverage limits for products liability arising from the manufacture of aviation products. It increases the sub-limit for products hazards to [BLANK] per occurrence and in the annual aggregate for liability from manufacturing an aviation product. The overall aggregate limit for all endorsements cannot exceed [BLANK]. Manufacturing is defined as work from design to completion, excluding maintenance after delivery to the first customer.
Avn 52 l extended coverage endorsement aviation liabilitiesRidwan Ichsan
This document is an endorsement that extends aviation liability coverage. It allows for flexibility in selecting which exclusions from War, Hijacking and Other Perils are deleted by choosing operative paragraphs. Different sub-limits apply depending on the operative paragraphs selected. Coverage can be cancelled on 7 days notice by either party or 48 hours notice after certain hostile detonations. The endorsement is intended to offer flexible options for negotiating aviation insurance coverage.
Gas or Grouse Case Solution (Business Ethics)Ridwan Ichsan
The Bureau of Land Management imposed restrictions on gas drilling in the Pinedale Mesa region of Wyoming to protect wildlife species like sage grouse, but gas companies argued that increased drilling was important for energy supply and economic growth; however, drilling posed risks to wildlife through habitat loss and pollution, so regulators had to balance environmental and economic concerns in setting policies.
This document outlines 3M Canada's 2010 integrated marketing campaign proposal to support the Canadian Breast Cancer Foundation. The campaign, called "Do For The Cure", includes online contests like a musical video contest and dance contest to promote breast cancer awareness. It also includes in-person events like a screening tour, run for the cure race, and leveraging partnerships with TV shows like Glee. The goals are to drive sales of Post-it products, engage customers and employees, and maximize return through donation of proceeds to the foundation.
Dokumen tersebut membahas tentang sejarah, operasi, strategi, dan pencapaian McDonald's. McDonald's didirikan pada tahun 1948 dan mulai beroperasi secara luas pada tahun 1955. Perusahaan ini berfokus pada kepuasan pelanggan, anak-anak, dan ekspansi ke pasar baru melalui berbagai inovasi. McDonald's telah berkembang menjadi restoran cepat saji terbesar di dunia dengan lebih dari 36.000 gerai di lebih dari 100 neg
Underwriting Liability Insurance: an overviewRidwan Ichsan
The document provides an overview of factors to consider when underwriting liability insurance. These include details about the insured, their occupation, premises, custody of property, work away from premises, emissions, customers, processes, use of chemicals and hazardous substances, health and safety records, trade waste, manufacturing processes, source of materials, design work, products, purpose of products, safety considerations, complexity, packaging, and discontinued products. Secondary risks from number of people affected, reliance on the product, and how the end user utilizes the product are also important to assess.
Avn 102 waiver of subrogation endorsementRidwan Ichsan
This document is a waiver of subrogation endorsement that waives the insurer's rights to recover paid claims from a specified entity. The waiver does not affect the insurer's right to recover from that entity if it was the manufacturer or maintainer of the damaged aircraft. The endorsement is intended for use in aircraft insurance policies to waive subrogation against certain other entities involved in the aircraft.
An insured shall not deliberately conceal or provide false information regarding a claim. Doing so constitutes fraud and the insurers have the right to refuse payment of the claim. If false information is provided about the cause of loss or claimed amount, insurers can terminate cover, recover sums paid for losses since the event, and retain premiums paid. Any part of the clause conflicting with governing law is void.
This letter notifies the appointed broker that the insurance certificate for an aircraft engine has terminated the AVN 99 Continuing Liability Endorsement for the benefit of the contract parties. The designated contract party specifies that at a certain time and date, the insured party is no longer obligated to insure the interests of the contract parties as former financiers, lessors, or lease servicers of the equipment under the contracts. Consequently, the continuing liability insurance provided through the AVN 99 endorsement for the benefit of the contract parties was terminated as of that specified date and time.
1) This document is an endorsement to an aircraft finance/lease contract that provides continuing liability coverage for specified contract parties.
2) It adds the contract parties as additional insureds under the legal liability policy and makes the coverage primary without right of contribution from other insurers.
3) Coverage is provided from the effective date until the contract parties are no longer required to insure their interests, as long as notification is given within 30 days.
Avn 98 aviation products grounding and other aviation liabilities insuranceRidwan Ichsan
This document outlines various types of aviation insurance coverage provided across multiple sections, including:
1) Aviation products and grounding liability insurance that covers legal liability for bodily injury, property damage, or loss of use from defective aviation products or from grounding aircraft.
2) Working parties liability insurance that provides coverage for legal liability from occurrences involving working parties.
3) Aircraft third party and passenger liability insurance that insures against legal liability for bodily injury from aircraft accidents.
It provides coverage limits and exclusions for each section, as well as general policy information and conditions.
This document contains an arbitration clause that outlines procedures for resolving disputes between parties through arbitration. Key details include:
- Disputes will be resolved through arbitration according to the rules of [organization]
- Arbitration will take place in [location] and the language will be [language]
- Each party will appoint one arbitrator and the two appointed will appoint a third, or the parties can jointly appoint a sole arbitrator
This letter notifies the appointed broker that as of a specified date and time, the insurance provided by endorsement AVN 67C for an aircraft engine has terminated. The designated contract party is no longer obligated to insure the equipment under the contract. The letter requests that the broker provide a certificate applying continuing liability endorsement AVN 99 for the benefit of the contract parties, effective from the date and time of termination.
This document is an endorsement to an aircraft insurance policy to protect the interests of financing parties in the event of losses to insured equipment. Key points:
1. It ensures claims payments are made to financing parties in the event of a total loss or to repair parties for other claims.
2. Financing parties are included as additional insureds under the policy.
3. Coverage of financing parties cannot be invalidated by acts of other parties without their knowledge or consent.
Avn 67 c airline finance lease contract endorsementRidwan Ichsan
This document is an endorsement to an aircraft insurance policy to include additional parties. It provides that in the event of a total loss settlement, payment will be made to the contract parties. It also includes the contract parties as additional insureds under the policy and stipulates that their coverage cannot be invalidated by acts of other parties. The endorsement defines key terms used such as the equipment covered, effective date, and contract parties included.
AVN 52K was published in 2006 to restrict coverage for certain aviation risks to negotiated sub-limits that would apply across all covered aircraft. However, it also intended to provide option for full policy limits for losses on a single aircraft where devices were placed onboard or emergencies occurred in flight. AICG has realized AVN 52K could expose insurers to full limits across multiple aircraft in some cases, breaching the original principle. To resolve this, AICG has published a modified clause AVN 52R to remove any ambiguity.
Avn 52 r extended coverage endorsement aviation liabilities Ridwan Ichsan
1. This document extends coverage provided by an aviation insurance policy. It deletes certain exclusions from the original policy related to war, hijacking, and other risks.
2. It provides limits on the insurer's liability for different types of claims covered by the extended coverage. The liability is subject to sub-limits that are within the overall policy limit.
3. The extended coverage will terminate automatically in certain circumstances such as war between specified countries or requisition of an insured aircraft. The coverage may also be cancelled by the insurer or insured with 7 days notice.
Avn 52 p aviation manufacturers product liabilities endorsementRidwan Ichsan
This document outlines an endorsement to an aviation manufacturers' product liability policy. It provides coverage that overrides some exclusions in the existing war and hijacking exclusion clause, for legal liability arising from the insured's products. Coverage is limited to specific amounts and can terminate automatically depending on certain political events between major nations or detonation of nuclear weapons. The endorsement is part of the specified policy and subject to all its terms and conditions.
Avn 52 p a products endorsement for avn52 clausesRidwan Ichsan
This document provides an endorsement to amend coverage limits for products liability arising from the manufacture of aviation products. It increases the sub-limit for products hazards to [BLANK] per occurrence and in the annual aggregate for liability from manufacturing an aviation product. The overall aggregate limit for all endorsements cannot exceed [BLANK]. Manufacturing is defined as work from design to completion, excluding maintenance after delivery to the first customer.
Avn 52 l extended coverage endorsement aviation liabilitiesRidwan Ichsan
This document is an endorsement that extends aviation liability coverage. It allows for flexibility in selecting which exclusions from War, Hijacking and Other Perils are deleted by choosing operative paragraphs. Different sub-limits apply depending on the operative paragraphs selected. Coverage can be cancelled on 7 days notice by either party or 48 hours notice after certain hostile detonations. The endorsement is intended to offer flexible options for negotiating aviation insurance coverage.
2. FIRE INSURANCE
Resiko yang Dijamin:
1. Kebakaran
Kekurang hati-hatian
Kesalahan
Akibat / dampak dari self combustion
Akibat / dampak dari short circuit
Akibat / dampak dari inherent vice
Kebakaran akibat dari kebakaran benda lain
Rusak / berkurang akibat kegiatan pemadaman (air, dll)
Perintah yang berwenang untuk dimusnahkan untuk mencegah menjalarnya api.
2. Petir
Kerusakan langsung akibat petir
Kebakaran terhadap mesin, peralatan listrik, atau elektronik dan instalasi listrik.
rusak fungsi tanpa terbakar, tidak dijamin.
3. Ledakan
4. Kejatuhan Pesawat terbang
Akibat benturan fisik antara pesawat terbang dan benda lain yang jatuh dari pesawat
terbang
5. Asap dari harta benda yang dipertanggungkan
Pengecualian:
1. Resiko yang dikecualikan
Kerusakan yang secara langsung disebabkan oleh Self combustion, short circuit, &
inherent vice.
Pencurian (saat & setelah peristiwa kerugian)
Kesengajaan
Akibat kebakaran semak belukar / hutan
Nuklir / radiokatif
Gangguan usaha
Gempa bumi,
Tsunami
Volcanic eruption
Perang, kerusuhan, dll
Tertabrak kendaraan
Asap industri
Tanah longsor
Banjir
Genangan air
Angin topan & Badai
Oleh pelayan, karyawan,
keluarga,dll
3. Biaya pembersihan (Removal of debris)
2. Harta Benda dan Kepentingan yang dikecualikan
Milik orang lain yang sedang dititipkan (atas dasar kepercayaan ataupun komisi)
Logam mulia, perhiasan, batu permatu, batu mulia, dll yang sejenisnya
Barang antik / seni
Naskah, desain, rancangan, pola, (dalam berbagai bentuk)
Uang, surat berharga, perangko, materai, dll
Software / data komputer
Bahan peledak
Definisi:
1. Kerusuhan
2. Pemogokan
3. Penghalangan bekerja
4. Perbuatan jahat
5. Pencegahan
6. Huru-hara
7. Pembangkitan rakyat
8. Pengambil alihan kekuasaan
9. Revolusi
10. Pemberontakan
11. Kekuatan militer
12. Invasi
13. Perang saudara
14. Perang dan permusuhan
15. Makar
16. Terrorisme
17. Sabotase
18. Penjarahan
Syarat Umum:
1. Pembayaran premi
Limit maksimal adalah s/d 45 hari
Lebih dari 45 hari, batal secara otomatis dan penanggung berhak atas premi short
period sebesar 25% dari premi setahun.
2. Pertanggungan lain Wajib di informasikan kepada penanggung
3. Perubahan resiko wajib diinformasikan kepada penanggung. Apabila penanggung tidak
bersedia menanggung, maka premi akan dikembalikan secara prorata.
4. Pindah tempat dan pindah tangan
Perabot yang dipindahkan ke premises lain, tidak dijamin lagi
4. Pindah tangan kepemilikan secara otomatis membatalkan pertanggungan, kecuali
telah dimintakan persetujuan kepada penanggung dan penanggung setuju.
5. Kewajiban tertanggung saat terjadi kerugian / kerusakan
Melapor kepada penanggung
Dalam waktu 7 hari (max) memberikan laporan / keterangan tertulis
Wajib menyelamatkan barang-barang selama terjadi peristiwa (Semaksimal
mungkin)
Membantu penelitian penanggung dalam masalah klaim tersebut
Menjaga barang-barang yang masih tersisa.
6. Laporan kerugian
Menyerahkan dokumen klaim
7. Perhitungan ganti rugi
Maksimal senilai jumlah pertanggungan didalam ikhtisar polis
Sistem indemnity
Harga sisa barang rusak diperhitungkan pada jumlah ganti rugi
8. Kerugian atas barang
Perabot rincian dan taksiran kerugian
Barang dagangan rincian dan catatan sisa (Stock)
Buku catatan administrasi jika tdk ada, faktur/bon-bon oke!
Apabila disebut secara general dimungkinkan, tanpa memandang apakah saat
penutupan barang tersebut sudah ada ataupun belum
Metode Generalisir tidak berlaku bagi barang yang tidak ada gantinya.
9. Ganti rugi pertanggungan rangkap
Dihitung secara proporsional
Tidak ada pengembalian premi
Tertanggung wajib memberitahukan pertanggungan lainnya yang juga berjalan.
Jika ketentuan dilanggar, maka pertanggungan batal.
10. Pertanggungan dibawah harga
Prorata under insured
Berlaku bagi masing-masing jenis barang
11. Laporan tidak benar
Membatalkanhakganti rugi.Antara lain: dusta,menyatakanyangtidaksebenarnya,
menyuruh, kesengajaan, kelalaian yang keterlaluan
12. Taksiran dalam hal kerugian
Berdasarkan harga murni, tanpa ada unsur laba
Taksiran bangunan tidak mempertimbangkan faktor lokasi
Apabila tidak dirinci, maka pondasi tidak dihitung
Barang dagangan/ stockmengacukepadahargabeli sesaatsebelumterjadi kerugian
13. Biaya yang diganti
Jasa dan ahli yang ditunjuk penanggung menjadi tanggungan penanggung
Biayapencegahanjugadiganti penanggung,walaupunusahatersebutakhirnyatidak
berhasil
14. Sisa barang
Sisa barang tetap menjadi tanggung jawab tertanggung
Penanggung berhak meminta tertanggung menyimpan barang tersebut
5. 15. Pembayaran klaim
Max 30 hari setelah klaim settle
16. Subrogasi
17. Pemulihan jumlah pertanggungan
Jumlahpertanggunganberkurangsetelahterjadinyakerugiantersebut (sebesarnilai
klaim)
Dapat dipulihkan dengan membayar premi pemulihan
18. Hilangnya hak ganti rugi
Apabila tidak memenuhi ketentuan polis
Tidak mengajukan tuntutan dalam tempo 12 hari
Tidak menempuh upaya banding /arbitrase atas keputusan klaim
19. Penghentian pertanggungan
Penanggung yang stop prorata
Tertanggung yang stop short period
20. Pengembalian premi
21. Perselisihan
22. Penutup