Banyak perdebatan apakah suatu risiko masuk kategori gudang pribadi (private warehouse) atau gudang umum (public warehouse)? karena eksposure risikonya terutama terhadap bahaya kebakaran dan pencurian sangat tinggi maka gudang umum dikenakan tarip jauh lebih besar.
Pada pertemuan para underwriting, dibahas mengenai apa yang dimaksud dengan “gudang pribadi” yaitu:
Mengenai Kepemilikan Bangunan / Gudang
Bangunan / Gudang yang bersangkutan adalah milik Tertanggung atau disewa oleh Tertanggung dari pemilik bangunan / gudang tersebut dan tidak dipindahkan kepemilikannya atau disewakan ulang baik sebagian ataupun seluruhnya kepada pihak lain / pihak ketiga.
Mengenai Kepemilikan Barang-Barang yang disimpan didalamnya
Barang-barang yang disimpan didalam bangunan/gudang yang bersangkutan seluruhnya milik perorangan atau satu badan usaha yang sama dan tidak terdapat barang-barang milik pihak lain.
Mengenai Pengelolaan Gudang
Pengelolaan bangunan / gudang dan barang-barang yang disimpan didalamnya dilakukan oleh dan menjadi tanggung jawab sepenuhnya dari pemilik barang atau pemilik bangunan
Sedangkan gudang umum (public warehouse) adalah yang tidak memenuhi ketentuan-ketentuan tersebut di atas.
#UnderwitersMasihAda
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