Fire & Propertyactive

Allianz Usahaku

Asuransi Allianz Utama Indonesia

Last seen

Aug 22, 2026

Currency

IDR

AI-extracted product content. Review before use.

Overview

Company site

Company

Asuransi Allianz Utama Indonesia

Currency

IDR

Insured object

Tempat usaha (business premises) seperti Toko, Salon kecantikan, Apotik, Kantor (<6 lantai), Studio Foto, Studio Musik, Pemancar Radio, Rumah Produksi, Hotel Melati (bintang 3), Kos-kosan, Guest House, Fitness & Sport Center, Sekolah, Universitas, Tempat Kursus, Rumah Sakit, Klinik Dokter, Lab Kesehatan, Showroom Mobil Baru, Restaurant, Laundry & Pressers, Car Wash

Coverage period

Satu tahun

Sum insured

Guaranteed Acceptance Rp 5.000.000.000, maksimum per risk Rp 30.000.000.000

Research context

Target segment

Individual dan Perusahaan Skala Menengah (SME)

Distribution

AgencyBroker

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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.

Product tables

Tarif Premi Konstruksi Kelas 1

No	Jenis Risiko	Tariff Code	Plan A Zone 1	Plan A Zone 2	Plan A Zone 3	Plan A Zone 4	Plan B Zone 1	Plan B Zone 2	Plan B Zone 3	Plan B Zone 4	Plan C Zone 1	Plan C Zone 2	Plan C Zone 3	Plan C Zone 4	Plan D Zone 1	Plan D Zone 2	Plan D Zone 3	Plan D Zone 4
1	Toko	2934	0.1770%	0.2270%	0.3020%	0.3030%	0.3270%	0.3700%	0.2520%	0.2530%	0.2770%	0.3200%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
2	Toko Kelontong	29314	0.0896%	0.1396%	0.2146%	0.2156%	0.2396%	0.2826%	0.1646%	0.1656%	0.1896%	0.2326%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
3	Salon Kecantikan/Barber Shop	2947	0.1031%	0.1531%	0.2281%	0.2291%	0.2531%	0.2961%	0.1781%	0.1791%	0.2031%	0.2461%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
4	Apotik	2930	0.1139%	0.1639%	0.2389%	0.2399%	0.2639%	0.3069%	0.1889%	0.1899%	0.2139%	0.2569%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
5	Kantor (< 6 lantai)	2971	0.0618%	0.1118%	0.1868%	0.1878%	0.2118%	0.2548%	0.1368%	0.1378%	0.1618%	0.2048%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
6	Studio Foto (cuci cetak)	2922	0.0766%	0.1266%	0.2016%	0.2026%	0.2266%	0.2696%	0.1516%	0.1526%	0.1766%	0.2196%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
7	Studio Musik, Pemancar Radio	2927	0.0840%	0.1340%	0.2090%	0.2100%	0.2340%	0.2770%	0.1590%	0.1600%	0.1840%	0.2270%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
8	Rumah Produksi	2921	0.1232%	0.1732%	0.2482%	0.2492%	0.2732%	0.3162%	0.1982%	0.1992%	0.2232%	0.2662%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
9	Hotel Melati (< Bintang 3)	29411	0.1136%	0.1636%	0.2386%	0.2396%	0.2636%	0.3066%	0.1886%	0.1896%	0.2136%	0.2566%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
10	Kos-Kos-an/Guest House	29761	0.0728%	0.1228%	0.1978%	0.1988%	0.2228%	0.2658%	0.1478%	0.1488%	0.1728%	0.2158%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
11	Fitness & Sport Center	2943	0.0813%	0.1313%	0.2063%	0.2073%	0.2313%	0.2743%	0.1563%	0.1573%	0.1813%	0.2243%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
12	Sekolah, Universitas, Tempat Kursus	2953	0.0636%	0.1136%	0.1886%	0.1896%	0.2136%	0.2566%	0.1386%	0.1396%	0.1636%	0.2066%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified

Tarif Premi Konstruksi Kelas 2

No	Jenis Risiko	Tariff Code	Plan A Zone 1	Plan A Zone 2	Plan A Zone 3	Plan A Zone 4	Plan B Zone 1	Plan B Zone 2	Plan B Zone 3	Plan B Zone 4	Plan C Zone 1	Plan C Zone 2	Plan C Zone 3	Plan C Zone 4	Plan D Zone 1	Plan D Zone 2	Plan D Zone 3	Plan D Zone 4
1	Salon Kecantikan/Barber Shop	2947	0.1421%	0.1921%	0.2671%	0.2681%	0.2921%	0.3351%	0.2171%	0.2181%	0.2421%	0.2851%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
2	Apotik	2930	0.1584%	0.2084%	0.2834%	0.2844%	0.3084%	0.3514%	0.2334%	0.2344%	0.2584%	0.3014%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
3	Kantor (<6 lantai)	2971	0.0747%	0.1247%	0.1997%	0.2007%	0.2247%	0.2677%	0.1497%	0.1507%	0.1747%	0.2177%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
4	Studio Foto (cuci cetak)	2922	0.1024%	0.1524%	0.2274%	0.2284%	0.2524%	0.2954%	0.1774%	0.1784%	0.2024%	0.2454%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
5	Studio Musik, Pemancar Radio	2927	0.1135%	0.1635%	0.2385%	0.2395%	0.2635%	0.3065%	0.1885%	0.1895%	0.2135%	0.2565%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
6	Rumah Produksi	2921	0.1723%	0.2223%	0.2973%	0.2983%	0.3223%	0.3653%	0.2473%	0.2483%	0.2723%	0.3153%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
7	Hotel Melati (<Bintang 3)	29411	0.1579%	0.2079%	0.2829%	0.2839%	0.3079%	0.3509%	0.2329%	0.2339%	0.2579%	0.3009%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
8	Kos-Kos-an/Guest House	29761	0.0895%	0.1395%	0.2145%	0.2155%	0.2395%	0.2825%	0.1645%	0.1655%	0.1895%	0.2325%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
9	Fitness & Sport Center	2943	0.1095%	0.1595%	0.2345%	0.2355%	0.2595%	0.3025%	0.1845%	0.1855%	0.2095%	0.2525%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
10	Sekolah, Universitas, Tempat Kursus	2953	0.0771%	0.1271%	0.2021%	0.2031%	0.2271%	0.2701%	0.1521%	0.1531%	0.1771%	0.2201%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
11	Rumah Sakit, Klinik Dokter, Lab. Kesehatan	2951	0.0760%	0.1260%	0.2010%	0.2020%	0.2260%	0.2690%	0.1510%	0.1520%	0.1760%	0.2190%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified
12	Showroom mobil baru (tanpa bengkel/body repair)	2964	0.1722%	0.2222%	0.2972%	0.2982%	0.3222%	0.3652%	0.2472%	0.2482%	0.2722%	0.3152%	Not specified	Not specified	Not specified	Not specified	Not specified	Not specified

Ilustrasi Perhitungan Premi - Bapak Fajar

Parameter	Nilai
Tertanggung	Bapak Fajar
Bangunan	Konstruksi kelas 1, senilai Rp 500.000.000
Usaha	Salon Kecantikan
Plan	Plan A
Periode	5 Januari 2017 - 5 Januari 2018
Premi	Rp 500.000.000 x 0,1031% = Rp 515.500 untuk 1 tahun

Benefits

Death Benefit

Rp 20.000.000 per orang, maks. Rp 100.000.000 per tahun

Money In Safe Benefit

Maks. Rp 50.000.000 per tahun

Personal Liability Benefit

10% dari TSI, maks. Rp 200.000.000 per tahun; keracunan makanan sub-limit Rp 20.000.000 per tahun

Terrorism Sabotage Benefit

10% dari TSI, maks. Rp 200.000.000 per tahun

Business Continuity Benefit

10% dari total klaim, maksimal Rp 100.000.000 per tahun

Customer Property Damage Benefit

Maks. Rp 10.000.000 per tahun

Key facts

plans

Plan A (PAR EXCL. FWTWD), Plan B (PAR + FWTWD), Plan C (PAR + FWTWD + EQVET), Plan D (PAR + FWTWD + EQVET)

deductible

FLEXAS: Nil; RSMD: 10% of Claim minimum IDR 10 juta; EQVET: 2.5% of TSI; Accidental Damage/Burglary/Theft: IDR 2.5 juta; Public Liability Property Damage: IDR 1 juta, Bodily Injury: Nil; Business Continuity/PA/Money in Safe: Nil

base perils

Kebakaran, Petir, Halilintar, Kebakaran dibawah tanah, Peledakan, Kejatuhan Pesawat Terbang, Asap, Kerusuhan, Pemogokan, Kerusakan akibat Perbuatan Jahat, Huru-hara, Terorisme dan Sabotase, Benturan terhadap kendaraan atau benda lainnya, Pencurian (dengan kekerasan), Gempa Bumi, Letusan Gunung Berapi, Tsunami, Badai, Siklon, Topan, Angin Topan, Banjir, Kerusakan akibat Air, Penurunan Tanah, Longsor, Kerusakan Harta Benda (Accidental Damage)

product type

Property All Risk

coverage type

comprehensive

occupancy type

commercial

policy delivery

Maksimal 3 hari kerja sejak tanggal konfirmasi

sum insured basis

Guaranteed Acceptance

construction class

Kelas 1, Kelas 2

excluded occupations

Pasar, Bar/Night Club/Diskotik/Karaoke/Billyard/Amusement Center/Panti pijat, Silent Risk, Bengkel Perbaikan Mobil/Pool Kendaraan, Gedung dalam pembangunan, Toko sepatu/HP/peralatan elektronik (kecuali di shopping mall), Textile/karpet/kertas/kayu/binatang, Materai/surat berharga/barang mudah terbakar dan meledak

premium payment deadline

30 hari kalender sejak menerima polis

Riders

No riders or add-ons were parsed for this product.

Competitor context

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