How to Get Insurance for Your Small Business: Smart Tips for Better Coverage

Terakhir Diubah : 02:03:45 - Thursday, 21 July 2022

Small businesses need insurance coverage to protect them against risk and financial loss. Small business owners need to do their research to determine the types of insurance they need and to find the best policies for their business model. Small business insurance is crucial for protecting your business and personal assets in the event of an unexpected catastrophe.Consider all the different risks that could harm your business, from lawsuits, theft to car accidents to natural disasters. Write them all down so you can find coverage options that protect against those particular risks.Go over the details of your business with the insurance. They will know all the questions to ask to determine the coverage you need. You’ll just need to be prepared with the proper documentation so you can answer all their questions. If you have your own questions about insurance policies, make sure to ask them during the meeting. Call us 021-50508080 for more info.

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What Is an Insurance Policy Period?

An insurance policy period is the time frame during which an insurance policy is effective. Based on chapter IV, article 7 in INDONESIAN MOTOR VEHICLE INSURANCE STANDARD POLICY, it is a condition precedent to liability under this policy, that any premium payable shall have been paid off and actually received in full by the Insurer, in the event of:

insurance period of 30 (thirty) days or more, then settlement of premium payment shall be conducted within a period of 14 (fourteen) calendar days as of the date of inception of this Policy;

such insurance period is less than 30 (thirty) days, settlement of premium payment shall be conducted at the time of issuance of Policy.

In case the Insured fails to fulfill the liabilities as referred to in paragraph above, this Policy shall be automatically terminated without issuing cancellation endorsement starting from the expiry of the grace period and the Insurer shall be discharged from any liability there from.

For more info about Sahabat Insurance call 021-50508080.

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Sahabat Insurance Supports Actuarial Olympiad and Insurance Literacy Competition

Jakarta, Monday, February 9, 2026 — Sahabat Insurance reaffirmed its commitment to strengthening national financial literacy by supporting the Insurance & Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti. The event brought together 442 participants from 20 provinces across Indonesia, reflecting strong public enthusiasm for increasing knowledge and awareness of insurance and actuarial science. Participants came from diverse backgrounds, including high school students, university students, as well as teachers and lecturers.

Sahabat Insurance’s Commitment to National Insurance Literacy
Sahabat Insurance’s involvement in this event is part of the company’s corporate literacy program, implemented in line with recommendations from the Financial Services Authority (OJK). By supporting educational initiatives such as this competition, Sahabat Insurance aims to broaden public understanding of insurance and highlight the vital role of actuarial science in risk management and financial planning. Improved insurance literacy is expected to help the public:

Better understand the benefits and functions of insurance
Make smarter and more responsible financial decisions
Strengthen financial resilience for the future

Encouraging Insurance and Actuarial Awareness Among Young Generations
The Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti serve as a strategic platform to:

Foster interest in the insurance and actuarial industry among young people
Enhance understanding of risk management, protection, and financial planning
Develop high-quality human resources with strong competitiveness in the financial sector

By involving students, educators, and academics, this competition is expected to create a sustainable educational impact within schools and higher education institutions.

Sahabat Insurance and the Future of Financial Literacy in Indonesia
Sahabat Insurance believes that strong insurance literacy is a fundamental pillar in building a financially resilient society. Supporting national educational initiatives such as this competition represents the company’s ongoing commitment to advancing financial literacy and inclusion in Indonesia.

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Insurance Requirements and Claim Procedures Motor Vehicle Insurance

Did you know, Motor Vehicle Insurance is a type of insurance or coverage that provides a guarantee or protection for loss, damage, loss caused by the risks guaranteed in the Motor Vehicle Insurance policy.
Loss and/or damage to the Motor Vehicle and/or the insured interest which is directly caused by:

Collision, impact, tipping over, slipping, or slipping;
The evil deeds of others;
Theft, including theft that is preceded or accompanied or followed by violence or threats of violence as referred to in Article 362, 363 paragraphs (3), (4), (5) and Article 365 of the Criminal Code;
Fires, including:

a. Fire due to fire of other objects adjacent to or storage of Motorized Vehicles;

b. Fire due to lightning strike;

c. Damage due to water and/or other tools used to prevent or extinguish fires;

d. The destruction of all or part of the Motorized Vehicle by order of the competent authority in an effort to prevent the spread of the fire.

Loss and/or damage caused by the above-mentioned events as long as the relevant Motor Vehicle is on board the ship for crossings under the supervision of the Directorate General of Land Transportation, including loss and/or damage caused by the ship in question having an accident.

Insurance Closing Requirements and Procedures Requirements to be insured:

Fill out the SPPA, with your ID card
Have an insurable interest in the object of coverage to be insured

Claim reports are made within a maximum period of 5 x 24 hours after the incident to Sahabat Insurance call center 021-50508080 or via email to [email protected] or visit the nearest Sahabat Insurance Branch Office.

Claim Documents
1. Fill out / complete the claim form
2. Photocopy of insurance policy
3. Photocopy of SIM and STNK
4. Local Police Certificate for vehicle claim in case of partial loss, total loss or involving a third party.

For more information, please see link below
Riplay Motor Vehicle Insurance - Sahabat Insurance

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Here's what you need to know about Healthy Food

Public awareness to consume healthy food is now getting bigger. Because apart from being a source of energy, consuming healthy food can also reduce the risk of serious diseases, ranging from diabetes, hypertension, heart disease, obesity, to cancer.
Consumption of healthy foods every day is highly recommended to meet daily nutritional needs.
But, hold on! Before dieting and consuming healthy food, it is better for you to consult your doctor or nutritionist first. Your doctor or dietitian can help determine your daily protein needs, as well as how much you should increase your intake. Because nutritional needs and protein intake vary according to the needs of the body.
For information about Health Insurance, contact Sahabat Insurance at 021-50508080.

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