Industrial & Commercial Property insurance
Protection when you need it most
Whether it is a warehouse, lab, office, shop or restaurant, damage to a property and its contents can be crippling for any business. It can lead to loss of custom, disruption of service, damaged reputation, and depleted stock levels – and that’s before you pay for the repairs.
Property insurance covers destruction or damage to the insured property. The policy can be tailored to your business needs, meaning that your business is protected in the event of a disaster.
By investing a little time upfront to truly understand your business, Howden can get you quality cover to protect you when you need it the most.
What does Industrial Property insurance cover?
The policy covers loss or damage to assets like buildings, stock, furniture and contents. It’s important to keep an accurate value of buildings, stock, machines and other contents, to save further complications in the event of a claim.
Our policies cover:
Caused by fire, lightning, explosion, falling aircraft, and smoke damage.
Caused by typhoon, storm, or flood.
Damage resulting from earthquakes, volcanic eruption, and tsunami.
Damage to foundations
Caused by landslide and subsidence.
Including theft and burglary.
We can also tailor our policies to cover:
- Strikes, riots and civil commotion
- Malicious damage
- Accidental damage to plate glass
- Expenses incurred on removing debris following damage
- Fire brigade charges and extinguishing expenses
- Architect, surveyor, legal and consulting engineers’ fees
We can also cover machinery breakdown if your property holds machinery used in your business. This covers any unforeseen, sudden and accidental physical loss or damage to your machinery, caused by faulty design, faulty construction, carelessness, short circuit, storm damage, and many other reasons.
Our definition of quality cover? Competitive prices, no nasty surprises.
Speak to someone who truly understands your challenges today
Meet the team
Senior Vice President
Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.
Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.
Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).
Senior Vice President
Rusan joined Howden in December 2013 as Assistant Vice President in the General Non-EB Risks. Part of his responsibility is to include overall management and coordination of all general and non-employee benefit risks ranging from corporate, industry, marine, SME, affinity as well as financial risks.
Prior to joining Howden, Rusan worked with Aon for 13 years, handling large corporate clients.
Rusan has an extensive experience and knowledge to handle variety of large and complex risks ranging from industrial risks, palm mill risks to telecommunication risks. He has experiences as a professional broker for more than 15 years.
Rusan graduated from Krisnadwipayana University, majoring in economic and he holds professional insurance qualifications, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).