About Asuransi Usahaku
Usahaku is a business insurance product that protects and facilitates your business. There is a comprehensive business premises protection package with the benefit of additional funds after insurance claims.
Benefits of Asuransi Usahaku
- Comprehensive protection (similar to property all risks coverage) for business against fire, flood, earthquake, riots and civil commotions, terrorism, theft, personal legal liability, up to death benefits.
- Additional post-claim benefit, in form of Business Continuity Benefit, which can be requested upon claim payment, up to IDR100 million.
- Provides protection against damage to goods or property owned by customers up to IDR 10 million.
Advantages of Asuransi Usahaku
- Business Continuity Benefit
Ensuring insured’s business continuity due to risks guaranteed by the policy, in form of a post-claim additional benefit. The insurer will provide a benefit of 10% of the total claim paid up to IDR100,000,000. - Personal Legal Liability
Compensation for accidents suffered by third parties for bodily injury including food poisoning and/or damage to property which was directly or indirectly caused by the negligence and/or fault of the Insured. - Cash in Safe Benefit.
Special protection against the risk of losing your money while in safe storage due to guaranteed risks, with a maximum replacement value of IDR50,000,000. - Death Compensation
Benefits paid to the insured and their permanent employees up to IDR100,000,000 in the event that they pass away in an accident caused by risks covered by the policy.
Things you need to know
PT Asuransi Allianz Utama Indonesia will provide protection to the insured who suffers damage to their business premises such as shops, grocery stores, beauty salons/barber shops, pharmacies, offices (<6 floors), photo studios, music studios, radio transmitters, production houses, hotels (below 3 stars classification), boarding houses, guest houses, fitness and sport centers, schools, universities, training colleges, hospitals, doctor's clinics, health laboratories, new car showrooms, restaurants, laundry and pressers, car wash for things caused by:
- Fire, Lightning, Explosion, Aircraft Impact, Smoke.
- Riots, Strikes, Malicious Damage.
- Civil Commotions.
- Terrorism and Sabotage.
- Collision with vehicles or other objects.
- Burglary, but only the ones committed in conjunction with a break-in, a break-out, or an attempted burglary.
- Earthquakes, volcanic eruptions, tsunamis.
- Storms, cyclones, typhoons, hurricanes, floods (including sea level overflow) water damage, land subsidence / landslides.
- Other accidental property damages.
There are several coverage options that can ease the prospective insured in choosing the required coverage:
| Guarantee | Plan A | Plan B | Plan C | Plan D |
| Property All Risk (PAR) |  |
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| Benefits of business continuity | Limit: 10% of claim, max IDR100,000,000/year | Limit: 10% of claim, max IDR100,000,000/year | Limit: 10% of claim, max IDR100,000,000/year | Limit: 10% of claim, max IDR100,000,000/year |
| Personal legal liability | Limit: 10% of Total Sum Insured, max IDR200,000,000/year | Limit: 10% of Total Sum Insured, max IDR200,000,000/year | Limit: 10% of Total Sum Insured, max IDR200,000,000/year | Limit: 10% of Total Sum Insured, max IDR200,000,000/year |
| Food poisoning | Sub-limit IDR20,000,000/year. | Sub-limit IDR20,000,000/year. | Sub-limit IDR20,000,000/year. | Sub-limit IDR20,000,000/year. |
| Compensation for the death of the Insured and Insured’s Permanent Employees | IDR20,000,000 per person, max. IDR100,000,000,-/year | IDR20,000,000 per person, max. IDR100,000,000,-/year | IDR20,000,000 per person, max. IDR100,000,000,-/year | IDR20,000,000 per person, max. IDR100,000,000,-/year |
| Guaranteed money in a safe place | Limit: max. IDR50,000,000/year | Limit: max. IDR50,000,000/year | Limit: max. IDR50,000,000/year | Limit: max. IDR50,000,000/year |
| Terrorism & Sabotage | Limit: 10% of Total Sum Insured, maks.IDR200,000,000/year | Limit: 10% of Total Sum Insured, maks.IDR200,000,000/year | Limit: 10% of Total Sum Insured, maks.IDR200,000,000/year | Limit: 10% of Total Sum Insured, maks.IDR200,000,000/year |
| Guarantee for loss or damage to goods or existing customer properties, on premises the insured's business. | Customer property damages max IDR10,000,000 /year | Customer property damages max IDR10,000,000 /year | Customer property damages max IDR10,000,000 /year | Customer property damages max IDR10,000,000 /year |
| Flood, storm, typhoon and water damage coverage (FWTWD) |  |
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| Earthquake, volcanic eruption and tsunami guarantee (EQVET) | |
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Insurance Premium
| Risk Occupation Categories - Construction Class 1 | Ocupation Code | Plan A | Plan B | Plan C | Plan D |
| PAR.EXCL FWTWD | PAR +FWTWD | PAR + FWTWD+ EQVET | PAR + EQVET EXCL. FWTWD | ||
| Store | 2934 | 0.1770% | 0,2270% | 0,3020% - 0,3700% | 0,2520% - 0,3200% |
| Grocery Store | 29314 | 0,0896% | 0,1396% | 0,2146% - 0,2826% | 0,1646% - 0,2326% |
| Beauty Salon/Barber Shop | 2947 | 0,1031% | 0,1531% | 0,2281% - 0,2961% | 0,1781% - 0,2461% |
| Pharmacy | 2930 | 0,1139% | 0,1639% | 0,2389% - 0,3069% | 0,1889% - 0,2569% |
| Office (< 6th floor) | 2971 | 0,0618% | 0,1118% | 0,868% - 0,2548% | 0,1368% - 0,2048% |
| Photo Studio (print and treatments) | 2922 | 0,0766% | 0,1266% | 0,2016% - 0,2696% | 0,1516% - 0,2196% |
| Music Studio, Radio Transmitter | 2927 | 0,0840% | 0,1340% | 0,2090% - 0,2770% | 0,1590% - 0,2270% |
| Production House | 2921 | 0,1232% | 0,1732% | 0,2482% - 0,3162% | 0,1982% - 0,2662% |
| Hotels (< 3 stars) | 29411 | 0,1136% | 0,1636% | 0,2386% - 0,3066% | 1,1885% - 0,2566% |
| Boarding House/Guest House | 29761 | 0,0728% | 0,1228% | 0,1978% - 0,2658% | 0,1478% - 0,2158% |
| Fitness & Sport Center | 2943 | 0,0813% | 0,1313% | 0,2063% - 0,2743% | 0,1563% - 0,2243% |
| Beauty Salon/Barber Shop | 2947 | 0,1421% | 0,1921% | 0,2671% - 0,3351% | 0,2171% - 0,2851% |
| Pharmacy | 2930 | 0,1584% | 0,2084% | 0,2834% - 0,3514% | 0,2334% - 0,3014% |
| Office (< 6th floor) | 2971 | 0,0747% | 0,1247% | 0,1997% - 0,2677% | 0,1497% - 0,2177% |
| Photo Studio (print and treatments) | 2922 | 0,1024% | 0,1524% | 0,2274% - 0,2954% | 0,1774% - 0,2454% |
| Music Studio, Radio Transmitter | 2927 | 0,1135% | 0,1635% | 0,2385% - 0,3065% | 0,1885% - 0,2565% |
| Production House | 2921 | 0,1723% | 0,2223% | 0,2973% - 0,3653% | 0,2473% - 0,3153% |
| Hotels (< 3 star) | 29411 | 0,1579% | 0,2079% | 0,2829% - 0,3509% | 0,2329% - 0,3009% |
| Boarding House / Guest House | 29761 | 0,0895% | 0,1395% | 0,2145% - 0,2825% | 0,1645% - 0,2325% |
| Fitness & Sport Center | 2943 | 0,1095% | 0,1595% | 0,2345% - 0,3025% | 0,1845% - 0,2525% |
| School, university, Courses Building | 2953 | 0,0771% | 0,1271% | 0,2021% - 0,2701% | 0,1521% - 0,2201% |
| Hospital, Doctor’s Clinic, Healthcare Lab | 2951 | 0,0760% | 0,1260 | 0.2010% - 0.2690% | 0.1510% - 0.2190% |
Note:
- Premium calculation EQVET determined based on the location of risk.
- You may visit the nearest Maybank branch office to obtain a quotation including a detailed premium calculation.
Glossary of Terms:
| Terms | Explanations |
| PAR (Property All Risks) | Comprehensive property insurance coverage. |
| FWTWD (Flood, Windstorm, Tempest, Water Damage) | Coverage from damages or losses caused by flood, windstorm, tempest, and water damage. |
| EQVET (Earthquake, Volcanic Eruption, Tsunami) | Coverage from natural disasters such as earthquake, volcanic eruption, and tsunami. |
| Construction Class |
Categories of insured property’s construction classes. These are divided into three categories:
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Premium & Claim Illustration
| Simulation of Premium Calculation | |
| Mr.Fulan purchased Usahaku for his store: | |
| Occupation | Store (2934) |
| Total Sum Insured/TSI | IDR500,000,000 |
| Period | 1 Year |
| Coverage | Coverage Plan D |
| Rate | Rate 0,2520% |
Premium: IDR500,000,000 x 0,2520% = IDR1,260,000
(excluding policy administration fees and stamp duty)
Mr. Fulan’s store is completely burnt due to fire, and had an impact on other shops located close to his store, the shop owner demanded a repair of IDR20.000.000. The coverage value of Mr. Fulan’s store is IDR500,000,000
PT Asuransi Allianz Utama will pay the benefit to Mr. Fulan amounting IDR500,000,000 + IDR20,000,000 = IDR520,000,000.
The information in this brochure is only general information related to products that can be customized by PT Asuransi Allianz Utama Indonesia. Complete information about the protection you have and the difficulties-exclusions refer to the insurance policy. You can also learn the available Product Information Summary first to get further explanation about this product
Registration & Claim Procedure
How to register
- You may visit the nearest Maybank branch office for registration.
- Additional documents that must be included for the registration process are as follows:
- A copy of ID Card
- Photos of the property to be insured and the surrounding area
- Photos of the property’s interior
Claim procedure
- Contact Allianz Care via telephone at 1500136, or via email at cs@allianz.co.id
- Please ensure that claim notifications are made within a maximum period of 14 (fourteen) calendar days after the date of risk occurrence.
Disclaimer
- Asuransi Usahaku is an insurance product issued by PT Asuransi Allianz Utama Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as the referrer of Asuransi Usahaku.
- Asuransi Usahaku is not a product of the Bank and therefore the Bank will not be liable for any and all claims as well as any risks that arise from the products issued by PT Asuransi Allianz Utama Indonesia.
- PT Asuransi Allianz Utama Indonesia is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) and its Sales Staff are licensed by the General Insurance Association of Indonesia (Asosiasi Asuransi Umum Indonesia)
- PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.
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