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HomeAsuransiHistory of Engineering Insurance - Risk Engineering | Sejarah Asuransi Engineering

History of Engineering Insurance – Risk Engineering | Sejarah Asuransi Engineering

History of Engineering Insurance –

Risk Engineering

The origins of engineering insurance are to be found in the inspection of steam boilers. In the nineteenth century, in Great Britain during the industrial revolution, the frequent occurrence of explosions involving serious property damage and loss of life made it necessary to take steps to guard against such dangers. In 1854, prominent gentlemen interested in the use of steam decided to form the Manchester Steam Users’ Association. Members were entitled to use the services of boiler inspectors who were employed by the association. This organization not only gave advice on how to prevent explosions but also under took to guide its members in the most advantageous and economical method of using the plant. This principle is still maintained today. Plant owners can call upon the engineer-surveyor for advice and suggestions on plant operation and maintenance.

Though the Manchester Steam Users’ Association rendered valuable services, it was not an insurance company. In 1858, however, in response to an evident need, certain members founded the first engineering insurance company, the Steam Boiler Assurance Company. This company started with the insurance of boilers, and its lead was soon followed by the formation of similar companies. At first only boilers were insured, but covers were gradually extended to pressure vessels of various kinds.

Engine Insurance (known today as Machinery Breakdown insurance) began in 1872, and both boiler explosion and engine covers rapidly spread to other industrialized countries.
By the beginning of the twentieth century, the first insurance policies for loss of profits
following machinery breakdown were being issued. At the same time, erection
insurance (covering the on-site erection and assembly of machines) appeared. The
policy was on a “named perils” basis and did not cover fire, but it offered reasonable
protection for small and medium-sized erection project.

From 1920 to 1930, some German and British companies introduced a contractors’
policy providing insurance cover for buildings and civil works during the course of
construction. Based on this policy, Contractors’ and Erection All Risks policies were
developed. However, neither of these types of policies reached any great importance
until after World War II when postwar reconstruction and development brought these
covers to their present standing.

With the advance of technology, other engineering policies such as Computer All
Risks, Low Voltage and Electronic Equipment All Risks, and Deterioration of Stock
following Machinery Breakdown were developed, along with business income
protection covers such as Advance Loss of Profits, written in conjunction with Contractors’ All Risks and Erection All Risks policies.

The engineering insurance industry will undoubtedly have to remain flexible needs as
a result of the huge technological advances which the world is facing. (Swiss Re: “Engineering insurance and reinsurance – an introduction”)

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Free translation:
Asal mula asuransi rekayasa atau enjiniring diawali dalam pemeriksaan uap boiler. Di abad sembilan belas di Inggris, selama revolusi industri, dengan sering terjadinya ledakan yang melibatkan kerusakan properti yang serius dan korban jiwa membuatnya perlu diambil langkah-langkah untuk berjaga-jaga terhadap bahaya semacam itu. Pada tahun 1854, seorang pria terkemuka yang tertarik pada penggunaan uap memutuskan untuk membentuk Asosiasi Pengguna Mesin Uap di Manchester, Inggris. Anggotanya berhak untuk menggunakan jasa inspektur boiler yang dipekerjakan oleh asosiasi. Organisasi ini tidak hanya memberikan saran bagaimana mencegah ledakan tetapi juga membuat panduan bagi anggotanya tentang metode yang menguntungkan dan ekonomis untuk digunakan di pabrik. Prinsip ini masih dipertahankan sampai hari ini. Pemilik pabrik dapat menghubungi insinyur-surveyor untuk meminta saran tentang pengoperasian pabrik dan bagaimana pemeliharaannya.

Meskipun Asosiasi Pengguna Masin Uap di Manchester telah memberikan layanan yang berharga, namun bukanlah perusahaan asuransi. Pada tahun 1858, bagaimanapun juga, dalam menanggapi kebutuhan yang jelas, para anggota mendirikan divisi teknik pertama di dalam industri asuransi dengan nama Perusahaan Asuransi Steam Boiler. Perusahaan ini dimulai dengan asuransi boiler, dan keunggulannya segera diikuti oleh pembentukan perusahaan sejenis. Awalnya hanya boiler yang diasuransikan, tetapi jaminan diperluas secara bertahap untuk menutup berbagai jenis pressure vessels.

Asuransi Mesin (yang dikenal saat ini sebagai Asuransi Kerusakan Mesin) dimulai pada tahun 1872, dan jaminan untuk ledakan boiler dan mesin cepat menyebar ke negara-negara industri lain. Pada awal abad kedua puluh, polis asuransi pertama untuk kehilangan keuntungan yang disebabkan kerusakan mesin dibuat. Pada saat yang sama, asuransi ereksi atau pemasangan mesin lahir. Polis Itu dibuat atas dasar “bahaya yang disebutkan” dan tidak menjamin kebakaran, tetapi polis itu menawarkan jaminan yang masuk akal untuk melindungi proyek ereksi kecil dan menengah.

Dari tahun 1920 hingga 1930, beberapa perusahaan Jerman dan Inggris memperkenalkan polis asuransi yang menjamin risiko kontraktor untuk bangunan dan pekerjaan sipil selama konstruksi. Berdasarkan polis ini, polis Contractor’s All Risks dan Erection All Risks dikembangkan. Namun, tidak satu pun dari jenis polis asuransi ini mencapai hal yang sangat penting sampai setelah Perang Dunia II saat rekonstruksi dan pembangunan membawa polis ini hingga mencapai kedudukan mereka saat ini.

Dengan kemajuan teknologi, polis teknik lainnya seperti Computer All Risks, Low Voltage and Electronic Equipment All Risks, and Deterioration of Stock following Machinery Breakdown dikembangkan bersama dengan ALOP untuk CAR dan EAR. Industri asuransi enjiniring pasti akan selalu dibutuhkan diakibatkan oleh kemajuan teknologi yang dialami dunia.

(Swiss Re: “Asuransi dan reasuransi rekayasa – pendahuluan ”)
Diterjemahkan bebas dan ditulis oleh Ir. Russel Effandy AAAI-K. IPGDI. DIPL.CII. – http://www.cii.co.uk/membership/local-and-global/goodwill-ambassadors/russel-effandy-biography/

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+628129992037 (Russel Effandy)
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