Budhi Liman serves as the President Commissioner of PT Global Insurance Broker. He joined PT Global Insurance Broker in 2025 and was appointed as President Commissioner in 2025. He has been involved in the Manufacturing and Finance industries for 18 years and continued his profession in the Insurance Industry.

Budhi Liman, SE, MBA

President Commissioner

Hendra Djohan serves as Commissioner of PT Global Insurance Broker, joining PT Global Insurance Broker in 2016. He has been involved in the Manufacturing Industry for 26 years and has approximately 8 years of experience in the Insurance Industry.

Hendra Djohan, SE, MM

Commissioner

Dian Fitriani serves as the President Director of PT Global Insurance Broker, joining PT Global Insurance Broker in 2017 and being appointed as President Director in 2020. She has been involved in the Hospitality Industry for 10 years and continued her profession in the Insurance Industry for approximately 13 years.

Dian Fitriani, S.M, CIIB, ANZIIF, QRGP

President Director

Suwarji serves as a Director of PT Global Insurance Broker, joining PT Global Insurance Broker in 2014 and being appointed as Director in 2020. He has extensive experience in the Insurance Industry since 1992.

Suwarji, S.M, APAI, CIIB, QCRO

Director

Irwan Tasman serves as the Financial Controller of PT Global Insurance Broker, joining PT Global Insurance Broker in 2022. He has approximately 30 years of experience in the Finance Industry.

Irwan Tasman, SE

Financial Controller

Dr. Putu serves as the consultant doctor for PT Global Insurance Broker, joining PT Global Insurance Broker in 2021. He has experience in the Insurance Industry and OIL and Mining Companies.

Dr. Putu Bida

Consultant Doctor

Budhi Liman berposisi sebagai Presiden Komisaris PT Global Insurance Broker Bergabung dengan PT Global Insurance Broker pada tahun 2025 dan diangkat sebagai Presiden Komisaris Tahun 2025. Beliau telah berkecimpung di industri Manufaktur dan Keuangan selama 18 tahun dan melanjutkan profesi di Industri Asuransi.

Komisaris Utama

Hendra Djohan berposisi sebagai Komisaris PT Global Insurance Broker, bergabung dengan PT Global Insurance Broker pada tahun 2016. Beliau telah berkecimpung di Industri Manufaktur selama 26 tahun dan pengalaman di Industri Asuransi kurang lebih 8 tahun

Komisaris

Dian Fitriani berposisi sebagai Presiden Direktur PT Global Insurance Broker, bergabung dengan PT Global Insurance Broker pada tahun 2017 dan diangkat sebagai Presiden Direktur pada tahun 2020. Beliau telah berkecimpung di Industri Perhotelan selama 10 tahun dan melanjutkan profesi di Industri Asuransi selama kurang lebih 13 tahun.

Presiden Direktur

Suwarji berposisi sebagai Direktur PT Global Insurance Broker, bergabung dengan PT Global Insurance Broker pada tahun 2014 dan diangkat sebagai Direktur tahun 2020. Beliau memiliki banyak pengalaman pada Industri Asuransi sejak tahun 1992

Direktur

Irwan Tasman berposisi sebagai Pengontrol Keuangan PT Global Insurance Broker, bergabung dengan PT Global Insurance Broker pada tahun 2022. Beliau telah memiliki pengalaman pada Industri Keuangan selama kurang lebih 30 tahun.

Dokter Putu berposisi sebagai dokter konsultan PT Global Insurance Broker, bergabung dengan PT Global Insurance Broker pada tahun 2021. Beliau memiliki pengalaman pada Industri Asuransi dan Perusahaan OIL dan Pertambangan

Dokter Konsultan

<h2>Disadvantage Insurance Benefits</h2> There are still many people who consider it trivial insurance losses. Though the benefits are no less important than life insurance, education, and so on. Loss insurance is suitable for business people to reduce the risks that occur in the future. Types of Loss InsuranceKeep assets safer with loss insurance. Along with the times, the value of property assets is also increasingly expensive. For example, decades ago the price of land is still cheap, but now the land is one of the most contested assets because the price is increasingly fantastic. Loss insurance can be one solution to protect the value of assets from uncertain events that are detrimental. The types of loss insurance are: 1. Fire InsuranceFire insurance is a type of loss insurance that provides compensation due to losses caused by fires, explosions, lightning, aircraft fall and smoke. This insurance policy is issued by AAUI and is valid since 1982 with regulations in accordance with the Indonesian Fire Insurance Standard Policy (PSAKI). Types of objects that can be insured in the form of goods or physical objects such as houses, offices, buildings, hospitals, factories, and others. The fire insurance policy provides coverage of property or assets insured with the value of compensation as stated in the insurance contract document.Not only internal risk, fire insurance also provides coverage of insured assets if damaged due to external factors. Such as assets damaged by riots, strikes, evil deeds, storms, hurricanes, floods, damage due to water, landslides, and loss of profits. 2 Transport and Goods InsuranceMarine cargo insurance or freight insurance is a type of insurance that provides protection against damage or loss of goods transported by air or sea. Goods transport insurance is intended for owners of individual goods, companies, and institutions that require protection during the process of transporting goods. This loss insurance policy protects both affected parties, namely the owner of the goods whose goods are being transported and the owner of transportation to transport goods. But the value of compensation depends on the condition of the loss incurred and according to the insurance policy. Some of the choices of transportation insurance items that you can buy are: &nbsp;&nbsp;Institute Cargo Clause A: This type of insurance policy provides comprehensive protection for losses incurred except due to risks that have been recorded as an exclusion. For example, the cost of salvage, rescue, and the burden of responsibility both to blame collisions when a ship's collision occurs.&nbsp;&nbsp;Institute Cargo Clause B: Ingredients transport insurance boarding duty clause B provides guarantees over the risk of fire, explosion, reverse, sinking, rant, collision, stranded, earthquake, lightning, disassembly, water entry, mountain eruption, total loss packing, and load both to fault collision.&nbsp;&nbsp;Institute Cargo Clause C: By buying this type of insurance you will get protection of goods on the risk of explosions, sinks, fires, stranded, upside down, earthquakes, collisions, lightning, illegal demolition, volcanic eruptions, lightning, salvage, rescue costs, and there are options for additional security.&nbsp;&nbsp;Institute Strike Clause: If you are going to send goods to conflict areas then make sure to buy freight insurance type institute strike clause. Because, this insurance provides coverage for the risk of losses caused by riots, work interruptions, civil unrest, job obstruction, strikes, and actions with political motives.&nbsp;&nbsp;Institute War Clause: Buy insurance transporting goods type institute war clause for maximum protection. The institute war clause insurance protects goods from the risk of damage due to wars, torpedoes, insurgencies, acts of violence, civil war, bombs and other weapons left behind. 3. Various InsuranceVarious insurance is a type of loss insurance that provides protection for all the risks of loss that are not covered by fire insurance and freight insurance. There are quite a lot of different types of insurance, including: <ul><li>&nbsp;&nbsp;Travel Insurance</li><li>&nbsp;&nbsp;Accident Insurance</li><li>&nbsp;&nbsp;Theft Insurance</li><li>&nbsp;&nbsp;Motor Vehicle Insurance</li><li>&nbsp;&nbsp;Earthquake Insurance</li><li>&nbsp;&nbsp;All Risk Property Insurance</li><li>&nbsp;&nbsp;Liability Insurance</li><li>&nbsp;&nbsp;Professional Insurance</li><li>&nbsp;&nbsp;Electronic Insurance</li><li>&nbsp;&nbsp;Construction Insurance</li></ul> 4. Motor Vehicle InsuranceIt is important to buy motor vehicle insurance given the very high risk. Motor vehicle insurance provides guarantees for losses caused by accidents, burning, inverted, acts of theft, evil deeds, and others. This loss insurance policy is intended for owners of any type of motor vehicle such as cars, motorcycles, buses, mini buses, and trucks. Motor vehicle insurance is divided into several types, namely, &nbsp;&nbsp;Comprehensive Insurance (All Risk): Ensures the risk of loss thoroughly, both small and large losses such as vehicle loss.&nbsp;&nbsp;Total Loss Only (TLO): This type of vehicle insurance only provides a replacement guarantee if the vehicle has damage ≥ 75% of the value of the vehicle and replacement because the vehicle is lost.&nbsp;&nbsp;Third Party Liability (TPL): Provides legal responsibility to third parties who suffer losses due to an accident. It's like losing a limb and dying.&nbsp;&nbsp;Fire and Theft: Only guarantees the risk of loss due to fire and theft of motor vehicles. 5. Property InsuranceProperty insurance guarantees almost all types of damage and loss due to accidents that are accidental or unforeseen and unintentional. This loss insurance is divided into two types, namely Property All Risk (PAR) and Industrial All Risk (IAR). Both provided loss coverage due to hurricanes, floods, riots, thefts, earthquakes, tsunamis, and volcanoes. Property All Risk (PAR) for non-industrial objects such as residential homes, offices, schools, hospitals, and so on. Meanwhile, Industrial All Risk (IAR) for industrial buildings such as malls, shops, warehouses, factories, hotels, and others. 6 Credit InsuranceCredit insurance provides coverage in the form of repayment of credit or debt if the Insured has the risk of default due to permanent disability, loss of employment, and death. The type of coverage guaranteed by credit insurance is the payment of the remaining loan without arrears, the payment of the initial loan (full limit), and the payment of the remaining loan plus interest of arrears maximum three months. There are two types of credit insurance, namely consumer and productive credit insurance. Usually a consumer credit insurance policy is given to individual customers. While productive credit insurance is more targeted at the cooperative segment and small and medium enterprises (SMEs). The amount of credit insurance premiums is determined by the age factor, so the older a customer is, the higher the premium price.

Lindungi asset Anda dengan Asuransi Kerugian

Protect your assets with Loss Insurance

<h2>Seberapa Pentingkah Jasa Broker Asuransi?</h2> Penting atau tidak dalam menggunakan jasa broker asuransi tergantung pilihan dari perusahaan calon nasabah asuransi. Terpenting adalah kehadiran para broker asuransi ini dapat mempermudah perusahaan dalam memilih asuransi apa yang dibutuhkan untuk para pegawai mereka. Tentunya ini berhubungan dengan finance dari calon nasabah. Kehadiran perusahaan broker asuransi terkadang menjadi pilihan para calon nasabah untuk menggunakan jasanya. Salah satu broker asuransi yang layak untuk menjadi pilihan adalah PT Global Insurance Broker. Perusahaan ini melakukan layanan konsultasi agar perusahaan calon nasabah tidak salah memilih asuransi untuk melindungi asset dan para pegawai mereka.Konsultasi yang dilakukan adalah <ol><li>Identifikasi risiko adalah mengukur tingkat risiko, bisa melalui desk survey dan site survey untuk mengetahui risiko yang mungkin dihadapi oleh tertanggung, selanjutnya dapat ditentukan asuransi yang dibutuhkan bagi tertanggung</li><li>Memberikan advice risk management, risk improvement dan risk prevention</li><li>Mengelola informasi dan dokumentasi yang bersifat material dengan pihak-pihak terkait</li><li>Berdasarkan identifikasi risiko yang dilakukan, PT Global Insurance Broker akan membuat desain terms and conditions polis yang paling sesuai dengan kebutuhan Asuransi</li><li>Membersikan konsultasi aktif terkait teknis polis dan prosedur klaim kepada tertanggung, dengan memberikan pandangan atau pendapat atas setiap perkembangan yang dicapai.</li></ol> Sebagai broker asuransi yang layak diberikan predikat terbaik, PT Global Insurance Broker ini selalu melakukan beberapa hal dalam mengawali tugasnya sebagai broker. Antara lain; <ol><li>Pemilihan penanggung atau perusahaan asuransi untuk kepentingan tertanggung, seperti : Kualitas layanan, luas jaminan, fleksibilitas, layanan klaim, dukungan pemasaran, advis teknis, harga, survei risiko, resiplokal bisnis, kekuatan keuangan, kontinuitas, reputasi, dan pengalaman</li><li>Menempatkan risiko obyek pertanggungan kepada perusahaan asuransi berdasarkan data yang memadai untuk kepentingan terbaik dari tertanggung</li><li>Melakukan negosiasai tingkat premi asuransi dengan penanggung, untuk mendapatkan harga terbaik</li></ol> PT Global Insurance Broker pun akan melakukan penanganan klaim dengan professional, yaitu; <ol><li>Membuat Basic Communication dan SOP klaim yang telah disetujui oleh tertanggung sebelum disampaikan kepada penanggung.</li><li>Membantu proses penyelesaian klaim, yang tepat untuk mendapatkan ganti rugi klaim yang maksimal sesuai dengan Basic Communication dan SOP Klaim.</li><li>Mengelola informasi dan dokumentasi yang bersifat material dengan pihak-pihak terkait</li><li>Melakukan evaluasi klaim, guna menghindari kejadian klaim yang sama. Menyadari bahwa memberikan layanan mitigasi risiko diperlukan untuk penyebab klaim terjadi.</li></ol> PT Global Insurance Broker mempunyai kerja sama yang baik dengan banyak perusahaan asuransi yang hadir di Indonesia, tentunya ini memudahkan para calon nasabah untuk memberi pilihan dan keputusan. Hingga kini klien dari PT Global Insurance Broker pun sudah tersebar di seluruh Indonesia dengan beragam produk asuransi yang dipilih oleh para nasabah.Mengenai kualitas pelayanan, PT Global Insurance&nbsp;Broker tentunya tidak mengecewakan para nasabah, hal tersebut terlihat dari nasabah yang sudah mempercayakan PT Global Insurance Broker untuk mengurus segala urusan yang berhubungan dengan asuransi di perusahaannya.

<h2>How important is insurance brokerage?</h2> Important or not in using the services of an insurance broker depends on the choice of the prospective insurance customer company. Most importantly, the presence of these insurance brokers can make it easier for companies to choose what insurance is needed for their employees. Of course, this is related to the finances of prospective customers. The presence of an insurance brokerage company is sometimes the choice of prospective customers to use their services. One insurance broker that deserves to be an option is PT Global Insurance Broker. This company conducts consulting services so that prospective customers do not choose the wrong insurance to protect their assets and employees. The consultation is<ol><li>Identification of risk is measuring the level of risk, can be through the survey desk and survey site to find out the risks that may be faced by the insured, then can be determined the insurance needed for the insured</li><li>Providing advice risk management, risk improvement and risk prevention</li><li>Manage information and documentation that is material with relevant parties</li><li>Based on the identification of the risks carried out, PT Global Insurance Broker will make the design of the terms and conditions of the policy that best suits the needs of the Insurance</li><li>Provide active consultation related to the technicalities of the policy and the claim procedure to the insured, by providing views or opinions on any development achieved.</li></ol> As an insurance broker that deserves to be given the best predicate, PT Global Insurance Broker always does a few things in starting its duties as a broker. Among other things; &nbsp;&nbsp;Selection of insurers or insurance companies for the benefit of the insured, such as: Quality of service, breadth of assurance, flexibility, claims services, marketing support, technical advice, prices, risk surveys, business recilosal, financial strength, continuity, reputation, and experience&nbsp;&nbsp;Placing the risk of the object of coverage to the insurance company based on adequate data for the best interests of the insured&nbsp;&nbsp;Negotiate the level of insurance premiums with insurers, to get the best price PT Global Insurance Broker will also handle claims with professionals, namely; <ol><li>Create a Basic Communication and SOP claim that has been approved by the insured before being submitted to the insurer.</li><li>Assist in the process of setting claims, which are appropriate to obtain maximum claim compensation in accordance with Basic Communication and SOP Claims.</li><li>Manage information and documentation that is material with relevant parties</li><li>Evaluate the claim, in order to avoid the same claim. Recognizing that providing risk mitigation services is necessary for the cause of the claim to occur.</li></ol> PT Global Insurance Broker has a good cooperation with many insurance companies present in Indonesia, of course, this makes it easier for prospective customers to give choices and decisions. Until now clients from PT Global Insurance Broker have also been spread throughout Indonesia with a variety of insurance products selected by customers. Regarding the quality of service, PT Global Insurance Broker certainly does not disappoint the customers, it is seen from customers who have entrusted PT Global Insurance Broker to take care of all matters related to insurance in its company.

Seberapa Pentingkah Jasa Broker Asuransi?

How important is insurance brokerage?

<h2>Kenali Peran Broker dan Agen Asuransi</h2> Istilah agen asuransi dan broker asuransi selalu ada di dunia asuransi dan tertera dalam polisi. Mereka tentunya selalu berkaitan dengan perusahaan asuransi dan nasabah. Keduanya adalah profesional di industri asuransi. Dalam melakukan tugasnya, memiliki beberapa persamaan dan perbedaan. Pada dasarnya tugas keduanya serupa tapi tidak sama. Ranah pekerjaan mereka diatur dalam UU dan Peraturan Pemerintah. Keduanya harus memiliki ijin dari Otoritas Jasa Keuangan (OJK) untuk memasarkan produk asuransi. Persamaan tugas pekerjaan baik broker asuransi maupun agen asuransi adalah, sama-sama bertindak sebagai perantara antara pembeli asuransi dan perusahaan asuransi. Keduanya membantu calon nasabah dalam memahami dan menindaklanjuti produk asuransi yang akan dibeli. Perbedaaannya adalah tugas dan cara bekerja. Perbedaan utama adalah siapa yang diwakilinya. Broker asuransi bertindak mewakili pembeli asuransi (perusahaan) ke beberapa perusahaan asuransi, sementara agen asuransi hanya boleh mewakili pembeli asuransi (individu) ke satu perusahaan asuransi saja. Artinya, agen asuransi dijalankan oleh perorangan yang bernaung di salah satu perusahaan asuransi saja, tidak boleh menjadi agen ganda, maksudnya jika sudah terdapaftar di salah satu perusahaan asuransi, jangan mendaftarkan atau bekerja pula di perusahaan asuransi yang lain. Agen asuransi harus memiliki lisensi dari Asosiasi Asuransi Jiwa Indonesia (AAJI). Jika terbukti menjadi agen ganda maka akan dikenakan sanksi, bahkan bisa dicabut izin sebagai agen oleh AAJI. Sementara broker asuransi harus berbentuk badan hukum atau perusahaan dan diawasi oleh Otoritas Jasa Keuangan (OJK). Broker asuransi ini tugasnya merekomendasikan kepada nasabah tentang produk dan perusahaan asuransi yang tepat untuk perusahaan nasabah dan memastikan perusahaan asuransi itu telah mendapat izin resmi dari OJK. Jika terjadi masalah, broker asuransi ini akan mewakili nasabah untuk melakukan negosiasi. Broker asuransi ini sangat diperlukan bagi pelaku usaha atau perusahaan yang baru pertama kali ingin memiliki asuransi, baik untuk melindungi bisnisnya atau asuransi untuk para pegawainya.&nbsp;Broker asuransi dapat membantu perusahaan dalam membeli produk asuransi. Biasanya, broker asuransi akan menawarkan produk asuransi yang sesuai dengan profil risiko bisnis dan industri perusahaan. Broker asuransi berperan dalam menjalin komunikasi dengan klien dan merancang solusi atas permasalahan klien. Broker asuransi ini bekerjasama dengan banyak perusahaan asuransi. Jadi, broker asuransi akan menawarkan dan menjelaskan perusahaan asuransi apa saja yang tepat sesuai dengan kebutuhan ke pelaku bisnis atau sebagai calon nasabah. Sebagai konsultan asuransi, broker asuransi ini akan memberikan pendapat dan solusi dari semua produk asuransi yang ditawarkan dan tidak hanya dari satu perusahaan asuransi saja. Kehadiran broker asuransi bagi perusahaan ini sangat membantu mendapat asuransi yang dibutuhkan perusahaan dengan harga yang terbaik. Terpenting adalah bagi pelaku bisnis, akan menghemat waktu dan tidak perlu repot-repot mengurusi asuransi dan memilah sampai memilih perusahaan asuransi apa yang dibutuhkan. Broker asuransi akan memberikan saran terbaik dan menyelesaikan permasalahan asuransi yang terjadi dengan baik pula. Salah satu broker asuransi yang tidak diragukan lagi hasil kerja dan penanganan kepada para nasabah adalah Global Asuransi. Dengan pengalaman yang cukup lama menjadi broker, Global Asuransi ini pun sudah bekerjasama dengan puluhan perusahaan asuransi.&nbsp;Para pelaku bisnis pun tidak usaha khawatir mengenai asuransi apa saja yang dibutuhkan untuk melindung usaha bisnisnya. Karena Global Asuransi akan memberikan penjelasan secara lengkap dan menawarkan perusahaan asuransi apa yang tepat dipilih oleh pelaku usaha.

<h2>Recognize the Role of Brokers and Insurance Agents</h2> The term insurance agent and insurance broker is always present in the world of insurance and is listed in the police. They are always related to insurance companies and customers. Both are professionals in the insurance industry. In doing his job, have some similarities and differences. Basically the task is both similar but not the same. Their work is regulated in Government Laws and Regulations. Both must have permission from the Financial Services Authority (OJK) to market insurance products. The equation of the job duties of both insurance brokers and insurance agents is, both act as intermediaries between insurance buyers and insurance companies. Both help prospective customers in understanding and following up on the insurance products to be purchased. The difference is the task and the way it works. The main difference is who it represents. Insurance brokers act as representing insurance buyers (companies) to multiple insurers, while insurance agents can only represent insurance buyers (individuals) to one insurance company only. That is, insurance agents are run by individuals who are sheltered in one of the insurance companies only, should not be a double agent, meaning if it has been listed in one of the insurance companies, do not register or work in other insurance companies. The insurance agent must have a license from the Indonesian Life Insurance Association (AAJI). If it is proven to be a double agent then it will be penalized, it can even be revoked as an agent by AAJI. While the insurance broker must be a legal entity or company and supervised by the Financial Services Authority (OJK). This insurance broker is the duty to recommend to customers about the right products and insurance companies for the customer’s company and make sure the insurance company has received official permission from OJK. In case of problems, this insurance broker will represent the customer to negotiate. This insurance broker is very necessary for business people or companies who first want to have insurance, either to protect their business or insurance for their employees. Insurance brokers can help companies in buying insurance products. Typically, insurance brokers will offer insurance products that match the business and industry risk profiles of the company. Insurance brokers play a role in communicating with clients and designing solutions to client problems. This insurance broker works with many insurance companies. So, the insurance broker will offer and explain what insurance companies are right according to the needs to the business person or as a prospective customer. As an insurance consultant, this insurance broker will provide opinions and solutions of all insurance products offered and not just from one insurance company. The presence of an insurance broker for this company is very helpful to get the insurance that the company needs at the best price. Most importantly, for business people, it will save time and do not need to bother taking care of insurance and sorting out to choose what insurance company is needed. Insurance brokers will provide the best advice and solve insurance problems that occur well. One insurance broker that is undoubtedly the result of work and handling to customers is Global Insurance. With a long experience as a broker, Global Insurance has also collaborated with dozens of insurance companies. Business people do not worry about what insurance is needed to protect their business. Because Global Insurance will provide a complete explanation and offer what insurance company is right for business people to choose.

Kenali Peran Broker dan Agen Asuransi

Recognize the Role of Brokers and Insurance Agents

<h2>Ketentuan OJK dan Broker Asuransi Digital </h2> Praktik penyelenggaraan usaha perusahaan pialang/broker asuransi terus berkembang seiring dengan perubahan lingkungan bisnis dan kebutuhan masyarakat.&nbsp; Hal ini antara lain tercermin dari percepatan penggunaan teknologi digital dalam layanan yang diselenggarakan oleh perusahaan broker/pialang asuransi, serta meningkatnya kebutuhan kerja sama antara perusahaan broker asuransi dan pihak lain untuk meningkatkan kualitas layanan perusahaan broker asuransi dan ini memang memberikan dampak positif bagi industri perasuransian dan konsumen. Ketentuan mengenai hal tersebut telah diatur dalam Peraturan Otoritas Jasa Keuangan (POJK). Beberapa pokok pengaturan yang tertuang dalam POJK 28/2022 ini terkait pengaturan mengenai layanan pialang asuransi digital hingga kerjasama antar perusahaan pialang asuransi/reasuransi yang dinilai kian dibutuhkan dalam kondisi saat ini. Tidak dipungkiri adanya broker asuransi digital ini kemungkinan akan menimbulkan risiko sehingga dalam POJK 28/2022 diatur pengaturan dan pengawasan lebih lanjut dengan tetap memberikan ruang untuk inovasi. OJK menetapkan perusahaan pialang asuransi dapat melakukan layanannya dengan digital setelah memiliki ekuitas minimal Rp5 miliar. Hal itu sebagaimana tertuang di dalam Peraturan OJK (POJK) Nomor 28 Tahun 2022 yang ditetapkan pada 26 Desember 2022. “Perusahaan pialang asuransi setiap saat wajib memiliki ekuitas paling sedikit Rp5 miliar bagi perusahaan pialang asuransi yang menyelenggarakan layanan pialang asuransi digital,” demikian bunyi Pasal 56 ayat (1) huruf b POJK 28/2022. Adapun, POJK Nomor 28 Tahun 2022 itu merupakan perubahan atas POJK Nomor 70/POJK.05/2016 tentang Penyelenggaraan Usaha Perusahaan Pialang Asuransi, Perusahaan Pialang Reasuransi, dan Perusahaan Penilai Kerugian Asuransi. Dalam POJK teranyar itu, layanan pialang asuransi digital merupakan layanan penyelenggaraan usaha pialang asuransi, di mana jasa keperantaraan dalam penutupan asuransi atau asuransi syariah dilakukan melalui sistem elektronik dan jaringan internet yang dapat digunakan secara langsung oleh pemegang polis, tertanggung, dan/atau peserta.&nbsp; Nantinya, perusahaan pialang asuransi yang menyelenggarakan layanan perusahaan asuransi digital wajib menyampaikan polis asuransi kepada pemegang polis, tertanggung, atau peserta secara digital. Perusahaan pialang asuransi juga harus menyediakan jasa konsultasi dalam penutupan asuransi atau asuransi syariah dan/atau jasa penanganan penyelesaian klaim secara digital. Perusahaan pialang asuransi yang telah menyelenggarakan layanan pialang asuransi digital sebelum POJK ini diundangkan, wajib memperoleh persetujuan OJK untuk menyelenggarakan layanan pialang asuransi digital paling lambat 6 bulan sejak POJK 28/2022 diundangkan. Sementara bagi perusahaan pialang asuransi yang telah menyelenggarakan layanan pialang asuransi digital sebelum POJK 28/2022 diundangkan dan wajib memiliki ekuitas secara bertahap dengan minimal ekuitas Rp2 miliar yang berlaku pada saat POJK 28/2022 diundangkan. Kemudian, minimal sebesar Rp3 miliar paling lambat pada 31 Desember 2023, paling sedikit sebesar Rp4 miliar paling lambat pada 31 Desember 2024, dan minimal senilai Rp5 miliar lambat pada 31 Desember 2025. POJK 28/2022 ini untuk mendukung perkembangan industri pialang asuransi melalui penggunaan teknologi informasi dalam proses bisnis perusahaan pialang asuransi. Oleh sebab itu, OJK menilai perlu untuk menyesuaikan ketentuan mengenai penyelenggaraan layanan pialang asuransi dengan menggunakan teknologi informasi agar layanan tersebut diselenggarakan dengan menerapkan praktik usaha yang sehat dan prinsip perlindungan konsumen. Aturan baru tersebut juga diharapkan bisa mengoptimalkan peran perusahaan pialang asuransi dalam menjaga stabilitas sistem keuangan dan mewujudkan kemandirian finansial masyarakat serta pendukung upaya peningkatan pemerataan dalam pembangunan.

<h2>OJK Terms and Digital Insurance Brokers&nbsp;</h2> The practice of conducting business of brokerage companies / insurance brokers continues to grow along with changes in the business environment and the needs of the community.&nbsp; This among other things is reflected in the acceleration of the use of digital technology in services organized by brokerage companies / insurance brokers, as well as the increasing need for cooperation between insurance brokerage companies and other parties to improve the quality of insurance company services and this does have a positive impact on the insurance industry and consumers. The provisions regarding this matter have been stipulated in the Regulation of the Financial Services Authority (POJK). Some of the main settings contained in POJK 28/2022 are related to the regulation of digital insurance brokerage services to cooperation between insurance / insurance brokerage companies that are considered increasingly needed in current conditions. There is no denying the existence of this digital insurance broker is likely to pose a risk so that in POJK 28/2022 set arrangements and further supervision while still providing space for innovation. OJK stipulates that insurance brokerage companies can perform their services digitally after having equity of at least Rp5 billion. This is as stated in the OJK Regulation (POJK) Number 28 of 2022 which is set on December 26, 2022. "Insurance brokerage companies at any time must have at least Rp5 billion equity for insurance brokerage companies that organize digital insurance brokerage services," reads Article 56 paragraph (1) letter b POJK 28/2022. Meanwhile, POJK Number 28 of 2022 was a change to POJK Number 70/POJK.05/2016 on the Implementation of Insurance Brokerage Business, Reinsurance Brokerage Company, and Insurance Loss Assessor Company. In the latest POJK, digital insurance brokerage services are insurance brokerage business services, where intermediary services in the closure of insurance or sharia insurance are carried out through electronic systems and internet networks that can be used directly by policyholders, insured, and/or participants.&nbsp; Later, insurance brokerage companies that organize digital insurance company services must submit insurance policies to policyholders, insured, or participants digitally. Insurance brokerage firms must also provide consulting services in closing insurance or sharia insurance and/or digital claims settlement handling services. Insurance brokerage companies that have organized digital insurance brokerage services before POJK are promulgated, must obtain OJK approval to hold digital insurance brokerage services no later than 6 months since POJK 28/2022 was enacted. Meanwhile, for insurance brokerage companies that have organized digital insurance brokerage services before POJK 28/2022 are promulgated and must have equity gradually with a minimum of equity of Rp2 billion in force at the time POJK 28/2022 was enacted. Then, the minimum amount of Rp3 billion is no later than December 31, 2023, at least Rp4 billion at the latest on December 31, 2024, and at least Rp5 billion slow on December 31, 2025. POJK 28/2022 is to support the development of the insurance brokerage industry through the use of information technology in the business processes of insurance brokerage companies. Therefore, OJK assesses it is necessary to adjust the provisions regarding the implementation of insurance brokerage services by using information technology so that the service is organized by implementing sound business practices and consumer protection principles. The new rules are also expected to optimize the role of insurance brokerage companies in maintaining the stability of the financial system and realizing the financial independence of the community and supporting efforts to increase equity in development.

Ketentuan OJK dan Broker Asuransi Digital 

OJK Terms and Digital Insurance Brokers

<h2>Kelola Keuangan Bisnis dan Pengembangan Perusahaan</h2> Bisnis yang sehat membutuhkan pengelolaan keuangan yang baik. Artinya pemasukan dan pengeluaran harus berimbang. Untuk itu pebisnis harus memahami pentingnya mengatur arus kas dan bagaimana cara menjaga arus kas tersebut agar tetap lancar. Hal ini sangat penting jika menginginkan perusahaannya ini maju dan berkembang bahkan dapat terus berinvestasi. Sayangnya, meski mengelola keuangan dalam bisnis dengan baik dan merupakan hal penting ini, namun masih saja dianggap sepele oleh pebisnis. Padahal, dalam mengelola keuangan tidak melulu rumit. Beberapa hal yang harus dilakukan oleh para pebisnis adalah menentukan berapa persen uang yang dialokasikan untuk operasional bisnis, target laba yang akan dicapai, uang cadangan kas bisnis, serta berapa persen yang untuk pengembangan bisnis. Jika usaha sudah berjalan dan berhubungan kontrak dengan vendor atau dengan perusahaan lainnya, maka sebaiknya melakukan negosiasi dengan kesepakatan yang baik, agar mendapat tawaran yang lebih hemat yang tentunya berdampak pada kestabilan keuangan bisnis. Menjaga kestabilan keuangan lainnya adalah dengan membayar tagihan tepat waktu dan kurangi risiko untuk mengutang karena tambahan beban cicilan utang dalam kondisi keuangan belum stabil akan memperburuk keadaan bisnis. Ketika bisnis sudah berjalan baik dengan keuangan yang stabil, saatnya mengembangkan bisnis. Pengembangan bisnis yang tepat menjadi salah satu bentuk investasi yang perlu dilakukan. Bisnis tidak hanya mengandalkan daya ingat manusia saja, karena itu pembukuan yang baik harus dilakukan dan membuat membuat evaluasi keuangan adalah suatu tujuan akhir dari dokumentasi arus dalam satu periode. Selain itu memahami akutansi sangat penting dalam mengelola keuangan. Dalam pengelolaan keuangan ini pun diperhatikan pula dana pengembangan usaha dan dana darurat. Setiap usaha yang dijalankan tentu tidak akan berjalan lancar seperti yang semua yang sudah direncanakan. Adanya satu dua permasalahan tentu akan dialami, seperti turunnya omzet karena munculnya kompetitor dan beberapa hal lainnya yang mengharuskan pebisnis berpikir keras untuk menyelesaikannya. Salah satu cara untuk mengantisipasinya adalah dengan memiliki dana darurat. Dana tersebut nantinya dapat digunakan untuk keperluan yang sifatnya urgent.&nbsp; Hal tak kalah penting tapi masih banyak pengusaha yang meremehkan adalah tidak memisahkan antara harta pribadi dengan harta perusahaan. Satu hal yang seringkali membuat para pebisnis gagal dalam bisnisnya adalah dengan menganggap uang yang didapatkan dari usaha sebagai uang pribadinya. Persepsi tersebut tidak salah apabila bisnis milik perorangan. Kebiasaan inilah yang kadang membuat akhirnya bisnis tersebut gagal.

<h2>Business Finance and Company Development</h2> A healthy business requires good financial management. It means that income and expenses must be balanced. For that, business people must understand the importance of regulating cash flow and how to keep the cash flow to stay smooth. This is very important if you want this company to progress and develop and can even continue to invest. Unfortunately, although managing finances in business well and is this important thing, it is still considered trivial by business people. In fact, managing finances is not only complicated. Some of the things that business people have to do is determine what percentage of the money allocated for business operations, the profit target to be achieved, the cash reserves of the business, and what percentage is for business development. If the business is already running and contracting with the vendor or with other companies, then you should negotiate with a good deal, in order to get a more efficient offer that certainly has an impact on the financial stability of the business. Maintaining other financial stability is to pay bills on time and reduce the risk to owe because the additional burden of debt installments in financial conditions has not stabilized will make the business situation worse. When the business is running well with stable finances, it’s time to grow the business. Proper business development becomes one form of investment that needs to be done. Businesses do not only rely on human memory, therefore good bookkeeping must be done and make financial evaluations is the ultimate goal of current documentation in one period. In addition, understanding accounting is very important in managing finances. In this financial management is also considered business development funds and emergency funds. Every business that is run will certainly not run smoothly as all that has been planned. The existence of one or two problems will certainly be experienced, such as the decline of turnover due to the emergence of competitors and several other things that require business people to think hard to solve it. One way to anticipate it is to have an emergency fund. The funds can later be used for urgent purposes.&nbsp; It is no less important but there are still many entrepreneurs who underestimate it is not to separate personal property from the company’s property. One thing that often makes business people fail in their business is to consider the money earned from the business as their personal money. This perception is not wrong if the business belongs to individuals. This habit sometimes makes the business fail.

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