On july 2014 Mt Kelud erupted and released massive amount of volcanic hot dusts to surrounding cities.  Our client hotel is located in Yogyakarta and was affected by hot dusts which disturbed the hotel operation. The eruption also affected public accesses to the hotel and required extensive restoration work and cleaning. Our client sustained short term financial losses due to closing of public access and the hotel.

Problem:

 
Our client was not familiar with BI policy conditions and faced possible claim declinature by Insurers due to absence of material damage.

Solution:

 
At Long-Term we understand the complexity of BI losses particularly the interpretation of clauses and conditions. We helped our client to submit strong technical grounds and appropriate BI loss calculation to the Insurers. The claim was settled timely and with reasonable payment to the satisfaction of our client.