Tugu Insurance Berancang-ancang Genjot Asuransi Properti

Foto : Tugu Insurance

PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance) menyambut antusias peningkatan sektor properti Indonesia. Walaupun ketika awal pandemi Covid-19, bisnis properti memang sempat mengalami penurunan. Membaiknya sektor properti memang tak lepas dari mulai membaiknya perekonomian Indonesia dan daya beli masyarakat sejak melandainya pandemi Covid-19.

Perusahaan asuransi umum yang berpengalaman selama 41 tahun itu menjadikan asuransi properti menjadi salah satu lini bisnis andalannya. Produk asuransi properti ini memang banyak diminati, apalagi memang ditujukan untuk menanggung risiko kerusakan pada bangunan, akibat terjadinya hal-hal yang tak diiinginkan.

Asuransi properti Tugu Insurance dapat menjamin kerusakan pada bangunan industri maupun non industri. Untuk bangunan industri yang bisa dijamin misalnya pabrik, gudang, SPBU, toko, mall dan lainnya. Sedangkan untuk bangunan non industri seperti rumah tinggal, apartemen, kantor, rumah sakit, sekolah maupun kampus juga mendapat jaminan apabila memang terjadi kerusakan pada bangunan akibat hal-hal yang tidak diinginkan seperti kebakaran, gempa bumi, banjir atau bencana alam lainnya.

Tatang Nurhidayat, Presiden Direktur Tugu Insurance menyebutkan, saat ini asuransi properti di Tugu Insurance memang mengalami peningkatan dari sisi pendapatan premi. Sebagai catatan, Tugu Insurance mencatat total produksi premi bruto konsolidasian hingga Kuartal III-2022 senilai Rp 4,73 triliun, naik 10% dibandingkan 2021 sebesar Rp 4,28 triliun. “Pada periode ini class of business (CoB) fire & property masih memberikan kontribusi produksi premi terbesar yakni Rp 1,76 triliun naik 25% bila dibandingkan periode yang sama tahun lalu Rp 1,41 triliun,” jelas Tatang seperti dikutip SWA Online pada Jumat (3/2/2023).

Data Asosiasi Asuransi Umum Indonesia (AAUI) juga menyebutkan pertumbuhan premi dari sektor properti paling tinggi baik dari sisi premi maupun pertumbuhan pada kuartal III/2022. Rinciannya adalah secara persentase asuransi properti tumbuh 30,7% dibandingkan periode yang sama tahun sebelumnya. Sedangkan dari jumlah premi yang masuk naik dari Rp15,73 triliun menjadi Rp20,57 triliun.

Tugu Insurance berinovasi untuk mengembangkan berbagai produk dan

… Read the rest

Should insurance companies be able to pressure you into using their own health care providers?

MINOT, N.D. — The fundamental problem with the American health care system is that those who ultimately receive the care aren’t in the driver’s seat.

When we go to the doctor or are admitted to the hospital, we aren’t really the customer for the care.

According to the American Medical Association

, in 2020, just 9.4% of all health care spending came directly out of pocket. Most care was paid for by private insurance plans or, far more often, the government through programs like Medicare and Medicaid.

Even most of us on private insurance plans aren’t really in control. Employers pick the insurance plans employees use. We may get to make a few choices around the edges, but for the most part, we take what we’re given.

This lack of choice is why health care costs have spiraled, growing at a rate that is multiples of other household expenses, such as rent, clothing, food, and even energy. Market forces, like competition among providers, keep prices in check. Or, at least, they keep them from growing as fast as they could.

But market forces are predicated upon individuals making choices. How many choices do we have regarding health insurance and health care?

Not many.

And, increasingly, as the health care and health insurance industries become indistinguishable from one another, the choices available to us narrow.

Taken medical industry behemoth Sanford, for example. That organization operates hospitals and clinics that provide care, sure, but it has also entered the health insurance market. Now it’s using the price pressures that are possible thanks to this vertical integration to limit the choices we have when it comes to health insurance.

It works like this: A vertically integrated health care and health insurance company will offer an insurance plan with coverage for both in-network and

… Read the rest

Microsoft asks Sony to hand over legal details

Activision Blizzard case might get messy for Sony

Microsoft has subpoenaed Sony for legal information to bolster its attempt to acquire Activision Blizzard in a move which could force the console maker to reveal a lot of information it does not want disclosed.

Sony has been at the forefront of stopping Microsoft from acquiring Activision Blizzard as it would bring Vole dangerously close to providing it with some competition. However, if Sony is forced to hand over legal information to Microsoft and the court it could end up telling the world its real legal plans, which might not paint it as the victim of the merger that it would like. 

The subpoena asks for Sony’s “production and a discovery schedule” which does not refer to PlayStation game production, rather to the Sony legal team’s work. Therefore, it is likely that Microsoft is looking for legal information to help build its case for acquiring Activision Blizzard.

 Sony has already filed an extension to the subpoena, which reads, “negotiations between SIE and Microsoft as to the scope of SIE’s production and a discovery schedule are ongoing.” The original subpoena was served on January 17, with a response deadline of January 20. Sony moved to extend the deadline by a week. Microsoft agreed to the extension. The document states Sony has until January 27 “to move, to limit or quash, or otherwise respond to the subpeona.”

In December, the Federal Trade Commission sued Microsoft over the pending merger. A recent report also stated that the EU is set to give the merger an anti-trust warning. Despite obstacles, Microsoft has continued to defend the deal, with CEO Satya Nadella saying it will create more competition in the video game industry.

 

… Read the rest

Playing information roulette: using AI for legal compliance

Recent news stories about artificial intelligence and the revolutionary breakthroughs showcased by OpenAI’s ChatGPT made me curious as an employment lawyer: Can AI accurately answer legal questions and draft employment documents, like non-solicitation agreements? It cannot — at least not with consistent accuracy.

AI churns out confident-sounding, personalized answers but those answers often miss the mark. Here’s my experience so far. I went for broke on the first question. I asked the software to write an employee non-solicitation clause enforceable in New Hampshire. To my amazement, it wrote one.

Ai Screen Shot 1

Looks passable, right? It even includes buzz phrases like “directly or indirectly.” But looks are one thing; substantive compliance is another. Most problematically, the AI-generated clause impliedly includes all prospective and potential clients of the company, which is verboten in New Hampshire. While prohibiting solicitation of active prospects the employee was courting while employed with the company might fly, it is unlikely a New Hampshire court would enforce the broad language generated here. There are other issues of being too broadly written because the clause is not tailored to the legitimate needs of the company. The advice at the end about consulting legal counsel turns out to be good advice.

I next asked the software for the differences between Federal and New Hampshire tip pooling laws. Here’s the response:

Ai Screen Shot 2

Much of this is either misleading or wrong. For example, it’s misleading because it says the “employer is not allowed to keep any portion of the tip pool” but doesn’t explain that the term “employer” includes “managers” and “supervisors.” It also totally fumbled New Hampshire law. In New Hampshire, employers cannot require employees to participate in tip pools. NH RSA 279:26-b requires that any tip pooling or tip sharing must be completely voluntary and without coercion.

Changing the search inputs generates

… Read the rest

Johnny Depp Must Pay ACLU’s Attorneys’ Fees, Judge Rules

Johnny Depp

Actor Johnny Depp owes the American Civil Liberties Union $38,000 for attorneys’ fees in complying with a subpoena for evidence that he used in his defamation battle against ex-wife Amber Hearda judge ruled on Friday.

The award amounted to less than half of the fees that the ACLU requested.

“Attorneys, like taxes, are a fact of life,” said Manhattan Supreme Court Justice Arthur Engoronwho disclosed at the top of the hearing that he is a member of the ACLU.

Engoron emphasized that nothing about his being a member would pose a conflict in the fee dispute.

The ACLU’s lawyer Stephanie Teplinfrom the firm Patterson Belknap Webb & Tyler, argued that $86,253.26 was reasonable reimbursement for production costs and expenses. Engoron compared her prestigious firm to a “Cadillac,” when all he said was needed for a simple discovery dispute was a “Ford.”

Teplin noted that Depp sought thousands of documents spanning a six-year time period, and New York law provides for the reimbursement of reasonable production expenses to a non-party in litigation.

She added that the ACLU made an attempt to limit its cost by limiting the scope of the subpoena, but Depp defends upon the broader requests.

That argument did not seem to move Justice Engoron and his law clerk Allison Greenfieldwho noted that Engoron upheld the original scope of the subpoenas.

Noting that he did not follow Depp and Heard’s blockbuster trial closely, Engoron coyly asked how the ACLU got embroidered in the Hollywood legal battle. Teplin did not answer that one directly, but her adversary did.

Depp’s lawyer Jessica N. Meyersfrom Brown Rudnick, called the original request for fees “exorbitant and unreasonable” in a legal brief. Meyers opined that the judge’s final ruling was “fair,” after he pronounced it.

During oral

… Read the rest

No More 90210: Doug Ford promises Ont. insurance reform, calls for end to postal code pricing

Toronto, Ontario – During a press conference Thursday, June 30th, Ontario Premier Doug Ford suggested that insurance premiums predicated on postal codes may be coming to an end. The insurance industry’s practice of pricing based on location represents unfair gouging of consumers, according to Ford.

“I know we’re working on a plan for insurance companies, as far as I’m concerned, that’s totally unfair for the people of Brampton, of Scarborough–they’re going after these people based on their postal code,” said Ford .

This statement comes from a conference related to recent gas tax cuts implemented to help Ontario drivers. This focus on driver-friendly policies seems to be a staple of the Ford government. Ford has already implemented the removal of license plate renewal fees, and the tolls from some highways as well.

In the Ford government budget released in April, the Ontario PC party promised that insurance reforms would give Ontario residents more options when it comes to their car insurance. “Insurance companies are making tons of money and it’s coming out of the pockets of Ontarians. So, we’re going to be all over them,” said Ford.

For Ford, the proposed insurance reform comes down to an issue of fairness.

“They have to treat people fairly right across the board,” says Ford.

There is currently no timeline on when Ontarians could see a change in their insurance rates. However, at least with Ford focused on the issue, Ontario drivers can hope for a change.

… Read the rest