A. Public Liability Insurance
Public Liability Insurance menjamin tuntutan hukum dari pihak ketiga atas kelalaian yang dilakukan oleh pihak Tertanggung ketika sedang melakukan kegiatan usahanya, yang mengakibatkan pihak ketiga mengalami cedera tubuh dan/atau kerusakan/kerugian terhadap barang miliknya.
Obyek Pertanggungan Dalam Public Liability Insurance
Obyek pertanggungan dari asuransi ini adalah tuntutan hukum dari pihak ketiga ("the insured's legal liability to third party....") akibat kegiatan usaha Tertanggung.
Risiko-Risiko Yang Dijamin Dalam Public Liability Insurance:
Tuntutan hukum dari pihak ketiga, termasuk biaya-biaya yang dikeluarkan untuk melakukan pembelaan (defense cost).
Risiko-Risiko Yang Tidak Dijamin Dalam Public Liability Insurance
Risiko-risiko yang disebabkan oleh hal-hal yang berhubungan dengan unsur kesengajaan:
B. Workmen's Compensation
Workmen's Compensation Insurance menjamin tuntutan hukum dari pihak karyawan ketika sedang melakukan kegiatan usaha dari majikannya (pemilik pekerjaan) di mana pihak karyawan tersebut mengalami cedera tubuh termasuk kematian.
Obyek Pertanggungan Dalam Workmen's Compensation Insurance
Obyek pertanggungan dalam asuransi ini adalah tuntutan hukum dari pihak karyawan akibat kegiatan usaha Tertanggung.
Risiko-Risiko Yang Dijamin Dalam Workmen's Compensation Insurance:
Tuntutan hukum dari pihak karyawan, termasuk biaya-biaya yang dikeluarkan untuk melakukan pembelaan (defense cost).
Risiko-Risiko Yang Tidak Dijamin Dalam Workmen's Compensation Insurance:
C. Employer's Liability
Employer's Liability Insurance menjamin tuntutan hukum dari pihak karyawan ketika sedang melakukan kegiatan usaha dari majikannya (pemilik pekerjaan), di mana pihak karyawan tersebut mengalami cedera tubuh termasuk kematian.
Perbedaan Antara Employer's Liability Insurance Dengan Asuransi Workmen's Compensation
Jika pada Employer's Liability Insurance, harus bisa dibuktikan bahwa pihak majikan (pemilik pekerjaan) memang melakukan suatu kelalaian sedangkan pada Workmen's Compensation Insurance, tidak perlu dibuktikan adalah suatu kelalaian yang dilakukan oleh pihak majikan (pemilik pekerjaan).
Obyek Pertanggungan Dalam Employer's Liability Insurance
Obyek pertanggungan dalam asuransi ini adalah tuntutan hukum dari pihak karyawan akibat kelalaian Tertanggung dalam melakukan kegiatan usahanya.
Risiko-Risiko Yang Dijamin Dalam Employer's Liability Insurance
Kerugian yang muncul sebagai akibat tuntutan hukum dari pihak ketiga, termasuk biaya-biaya yang dikeluarkan untuk melakukan pembelaan (defense cost).
Risiko-Risiko Yang Tidak Dijamin Dalam Employer's Liability Insurance
Hal-hal yang berhubungan dengan unsur kesengajaan:
D. Automobile Liability Insurance
Automobile Liability Insurance menjamin tuntutan hukum dari pihak ketiga atas kelalaian yang diakibatkan atas penggunaan kendaraan bermotor yang dilakukan oleh pihak Tertanggung, dimana pihak ketiga mengalami cedera tubuh dan/atau kerusakan/kerugian terhadap barang miliknya.
Obyek Pertanggungan Dalam Automobile Liability Insurance
Yang menjadi obyek pertanggungan dalam Automobile Liability Insurance adalah tuntutan hukum dari pihak ketiga akibat kelalaian Tertanggung dalam mengoperasikan kendaraannya.
Risiko-Risiko Yang Dijamin Dalam Automobile Liability Insurance
Tuntutan hukum dari pihak ketiga, termasuk biaya-biaya yang dikeluarkan untuk melakukan pembelaan (defense cost).
Risiko-Risiko Yang Tidak Dijamin Dalam Automobile Liability Insurance
Hal-hal yang berhubungan dengan unsur kesengajaan:
Definition of LiabilityInsurance
Insurance that providesprotection for the Insured against lawsuits from third parties. One of thecommonly known Liability Insurance is Comprehensive General LiabilityInsurance. Comprehensive General Liability Insurance itself has several typesof insurance in it, namely:
A. Public Liability Insurance
Public Liability Insuranceguarantees legal claims from third parties for negligence committed by theInsured party while carrying out its business activities, which resulted in thethird party experiencing bodily injury and/or damage/loss to his/her property.
Object of Insured in PublicLiability Insurance
The insured object of thisinsurance is a lawsuit from a third party ("the insured's legal liabilityto third party....") due to the business activities of the Insured.
Guaranteed Risks in PublicLiability Insurance:
Lawsuits from third parties,including costs incurred for defense (defense costs).
Risks that are not guaranteedin Public Liability Insurance
The risks caused by mattersrelated to the element of intentional:
• War, terrorism and riots.
• Matters related to demandsfor penalties and penalties.
• Product liability includingproduct recall.
• Completed operation work.
• Radioactive.
• Workmen's compensation andemployers' liability.
• Asbestos.
• Automobile liability.
• Aircraft and watercraftliability.
• Professional liability.
• Property is under thecontrol or ownership of the Insured.
B. Workmen's Compensation
Workmen's CompensationInsurance covers legal claims from the employee whilecarrying out business activities from his employer (employee owner) where theemployee suffers bodily injury including death.
Object of Insured in Workmen'sCompensation Insurance
The object of coverage in thisinsurance is a lawsuit from the employee due to the business activities of theInsured.
Guaranteed Risks in Workmen'sCompensation Insurance:
Lawsuits from the employee, includingthe costs incurred to conduct a defense (defense costs).
Risks Not Guaranteed InWorkmen's Compensation Insurance:
• Matters related tointentional elements.
• War, terrorism and riots.
• Matters related to demandsfor penalties and penalties.
• Radioactive.
• Asbestos.
C. Employer's Liability
Employer's Liability Insuranceguarantees legal claims from the employee while carrying out businessactivities from his employer (employee owner), in which the employee suffersbodily injury including death.
Difference Between Employer'sLiability Insurance and Workmen's Compensation Insurance
If the Employer's LiabilityInsurance, it must be proven that the employer (employee) has indeedcommitted an negligence, while in the Workmen's Compensation Insurance,it is not necessary to prove that it was an negligence committed by theemployer (the owner of the job).
Object of Coverage inEmployer's Liability Insurance
The object of coverage in thisinsurance is a lawsuit from the employee due to the Insured's negligence incarrying out its business activities.
Guaranteed Risks in Employer'sLiability Insurance
Losses that arise as a resultof lawsuits from third parties, including costs incurred to conduct a defense(defense costs).
Risks Not Guaranteed In Employer'sLiability Insurance
Matters related to intentionalelements:
• War, terrorism and riots.
• Matters related to demandsfor penalties and penalties.
• Product liability includingproduct recall.
• Radioactive.
• Workmen's compensation andemployers' liability.
• Asbestos.
• Aircraft and watercraftliability.
• Professional liability.
• Property is under thecontrol or ownership of the Insured.
D. Automobile LiabilityInsurance
Automobile Liability Insurance guaranteeslegal claims from third parties for negligence resulting from the use ofmotorized vehicles by the Insured party, where the third party suffers bodilyinjury and/or damage/loss to his/her property.
Object of Insured inAutomobile Liability Insurance
The object of coverage in AutomobileLiability Insurance is a lawsuit from a third party due to the Insured'snegligence in operating his vehicle.
Guaranteed Risks in AutomobileLiability Insurance
Lawsuits from third parties,including costs incurred for defense (defense costs).
Risks Not Guaranteed InAutomobile Liability Insurance
Matters related to intentionalelements:
• War, terrorism and riots.
• Matters related to demandsfor penalties and penalties.
• Product liability includingproduct recalls.
• Radioactive.
• Workmen's compensation andemployers' liability.
• Asbestos.
• Aircraft and watercraftliability.
• Professional liability.
Property is under the controlor ownership of the Insured.