PT ASURANSI TRI PAKARTA Confidential

RISK ASSESSMENT REPORT

Report No: 024/SR/V/2019

PT. Duta Senawijaya Mandiri

(Apartemen Gardenia @Bogor)
Jalan K S Tubun No.102, Cibuluh, North Bogor, Bogor, West Java 16151

Surveyor Name : Hesa Anggana

Survey Date : 07 May 2019

Disclaimer
This report has been compiled in good faith to the best of our knowledge and ability in accordance with the information supplied
to us by representatives of the Insured. However, we, PT Asuransi TRI PAKARTA, our shareholders, directors and employees,
hereby disclaim any responsibility whatsoever, for any errors or omissions contained herein or for any loss, damage,
consequential loss or liability howsoever caused, arising from the use of this report, or the information it contains, by any party
whosoever. This report is for internal underwriting use only. The recommendations for risk improvement contained in the report
are purely advisory and the decision and responsibility for implementation rest with the site’s management.

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Table of Contents Page

OVERALL RISK RATING SUMMARY 3

1. GENERAL
1.1. PURPOSE 4
1.2. REPORT DISTRIBUTION 4
2. OCCUPANCY 5
3. LOCATION & CONTRUCTION 6
3.1. LOCATION MAP 6
3.2. CONSTRUCTION 6
3.3. SURROUNDING PROPERTIES 7
3.4. FIRE ZONE 8
4. PROCESS DESCRIPTION 9
4.1. OPRATION PRODUCT FLOW 9
4.2. OPERATING HOURS STAFFING 9
4.3. SITE SECURITY 9
5. HAZARDS ANALYSIS 10
6. CRITICAL UTILITIES -
7. FIRE PROTECTION 12
7.1. PUBLIC FIRE STATION 12
7.2. PRIVATE FIRE PROTECTION 12
7.3. MAINTENANCE 13
8. LOSS PREVENTION MANAGEMENT PROGRAMS 14
9. SPECIAL PERILS 15
10. NATURAL PERILS 16
11. VALUATION AND LOSS ESTIMATIONS 17
11.1. SUM INSURED 17
11.2. LOSS ESTIMATION 18
12. RISK IMPROVEMENT RECOMMENDATIONS 19
13. ATTACHMENT (PHOTOGRAPHS / LAYOUT / ETC.) 21

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OVERALL RISK RATING SUMMARY

OVERALL RISK RATING

High/Poor Risk Moderate/High Risk Moderate /Fair Risk Low/Good Risk

≤ 65 66 - 75 76 - 85 ≥ 86
86
OVERALL RISK RATING SUMMARY
Occupancy Code: POINT
• Construction Hazards 3
Hazards • Electrical Hazards 3
• Storage Hazards 3
Critical Utilities • Power / Transformers / Air Compressor/Boilers, etc. -
Protection 2
• Housekeeping 3
• Smoking Regulation 3
• Preventive Maintenance 3
• Fire Equipment Inspection, Testing and Maintenance 3
Management
• Safety Procedure, Work Permit & Contractor Controls System 3
Programs
• Staff Safety Training 3
• Fire Team 3
• Emergency Response Team and Exercise 3
• Lock Out and Tagged Out & Incident Reporting 1
• Burglary and Theft 3
• Vandalism 3
• Riot, Strike, Malicious Damage, Civil Commotion 3
• Sabotage and Terrorism 4
Special Perils
• Vehicle Damage 4
• Water Damage 2
• Smoke Damage 3
• Aircraft Impact 4
• Flood 4
• Lightning 3
• Eathquake 3
Natural Perils • Tsunami 4
• Windstorm, Typhoon 3
• Volcanic Eruption 2
• Landslide/Subsidance 4

(Risk Point Scale : 4 (Good) … 1 (Poor) – High point indicates good risk)
TOTAL 86

NOTE:
The higher this score, the better the risk quality. Scores or points are calculated using safety aspect and good risk
management indicators. The assessment is based on the available information at the time of this evaluation including tracks
of loss history data. Thus, locations with lower scores are more likely to have large losses.

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1. GENERAL
1.1. PURPOSE

Risk Assessment conducted at Apartement Gardenia @Bogor on 07 May 2019 on Jl. K S Tubun
No.102, Cibuluh, North Bogor, Bogor, West Java. Within the framework of insurance coverage and
to know the latest conditions on the subject of coverage and risks that are in the object.

And look at aspects of general construction and protection facilities against fire, blasting and other
risks.
This information is used to evaluate existing prevention and control measures, and also suggests
improving and reducing overall hazards.

During conducting a location survey, we met with several people representing the Insured, as
follows:
Mr. Dian – Technical Head
Mrs. Titi Mumpuni – Technical Staff

And some of the people involved were very cooperative during our survey.

1.2. DISTRIBUTION

The report is used by the Insurer, the relevant Branch Office and Some Reinsurance Companies
and or Reinsurance Brokers.
Recommendations for Rising Risks are submitted to the Insured by the relevant Branch Office.

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2. OCCUPANCY
PT. Duta Senawijaya Mandiri is part of the Takke Group engaged in property business. Takke Group built
a Gardenia Bogor apartment on an area of 1.3 ha and there are two towers. Each tower has a height of
25 floors which summarizes 1,539 units of various types. The number of units is divided into 465 units of
Raflesia tower and 1,074 units of Bougenvile tower.

Various facilities are provided at the Gardenia Bogor apartment, including a swimming pool, jogging
track, playground, fitness center, sky garden, 24-hour security, and commercial area. Here also will be
built a 1,000 m2 commercial area and lifestyle center to meet the needs of residents.

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3. LOCATION & CONSTRUCTION

3.1. LOCATION MAP

Apartement Gardenia @ Bogor is located on Jl. K S Tubun No.102, Cibuluh, North Bogor, Bogor, West
Java. Latitude, longitude 6°33'03.8"S 106°49'18.3"E based on Google Map
The closest commercial airport is Halim Perdana Kusuma Airport, about 32.51 km (straight linear
distance)

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3.2. CONSTRUCTION AND LAYOUT

The project area is 88,683 M2. This apartement has 2 towers building. They are Bougenville (U shape)
and Raflesia (L shape).

3.3. SURROUNDING PROPERTIES

The site is surrounded by:

- Front Side : Jl. KS Tubun
- Left Side : Police Station
- Right Side : Bakery Shop
- Rear Side : Flats

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There is 3-meter-high zinc fence that surrounds the project area as a barrier to the outside area
and the entrance door on the site is guarded by security.

The main gate side of the project area

From the basis of the boundary factors and the properties located around the location, the
exposure of the surrounding property can be considered Low to Medium.

3.4. FIRE ZONE

Based on the existing layout, the building can be included in the category as 1 Fire Zone because
the distance between buildings is unadequate.

between the towers there is an area that is one, namely the commercial area and the basement
area which is the parking area of the vehicle. in that area there is no separate firewall to prevent
the fire from spreading to other buildings

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4. PROCESS DESCRIPTION
4.1. OPERATION PRODUCT FLOW

PT Duta Senawijaya Mandiri appoints PT. Pembangunan Perumahan (Persero) Tbk as the main
contractor to build this apartment. This project began in 2014 where the installation of the
foundation using piles was carried out by PT. Sunway Yasa Mandiri. After the installation of the
pile was completed in 2015, the handover of the project was carried out to PT. Pembangunan
Perumahan (Persero) in the same year. This project will be completed in October 2019.

The development of this apartment development has now reached 50% - 60%. in 2017 the
apartment building has been carried out "Topping Off". meanwhile the current stage is the
finishing stage, namely ME (Mechanical Electrical). In finishing work there are also welding
activities

4.2. OPERATING HOURS AND STAFFING

There are around 300 employees working within the project. The work hour is 8 hours. From
Monday to Sunday. If overtime is only allowed up to 10pm

4.3. SITE SECURITY

There are 30 security personnel working for 24 hours divided into 2 shifts . The access gate is
guarded and controlled by security guards. The security system is supported by CCTV cameras.

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5. HAZARDS ANALYSIS

Contruction Comment Point : 3

Building Production The foundation uses building piles and building structures using steel
frames coated with concrete and building walls using lightweight bricks
coated with cement. while the floor for the apartment room uses
ceramics

Layout design This apartment project will have as many as 24 floors of buildings
with additional 2 floors of basement. There are 1527 units of
apartment rooms with studio types and 2 bedrooms types. And there
is also a swimming pool and commercial area that complements the
supporting facilities in the apartment. While the basement will be
used as a vehicle parking lot (193 cars) and a transfomator room,
generator room and hydrant pump room.

Process Hazards Comment Point : 3

Electrical system The apartment building is currently not electrified where the electrical
installation in the apartment is currently being installed by the contractor.
The contractor has also prepared a room for transformers and generators
in the basement area.
Whereas the lighting in the project uses electricity from the apartment
marketing building.

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Control of process The power cord uses PVC sheathed cables and most of the lighting for
the project using uncovered fluorescent lights.

Storage Hazard Comment Point : 3

Hazardous Goods No hazardous goods inside project.

Material Handling The stock materials that will be used in the construction of apartments
are stored in the project location with a bounding tape. The material
stock is arranged neatly and does not obstruct the evacuation route that
is in the project

Common Hazards Comment Point : 3

Smoking No Smoking regulation implemented properly. Management enforce
this regulation strictly

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6. PROTECTION Point : 3

6.1. PUBLIC FIRE STATION

Public Fire Brigade

The nearest fire department is Damkar Cibulur, Bogor Regency, with a travel time of about 10
minutes (in situations of smooth traffic) to location.

6.2. PRIVATE PROTECTION

• Portable Fire Extinguisher,

There are + 100 APAR units of powder type tubes scattered in several strategic locations

• Sprinkler System,
Not Installed

• Detection System,
Not Installed

• CCTV,
There are 16 CCTV units and and a CCTV monitor in a contractor room

• Hydrant System,
Currently the contractor is installing a hydrant system. Most of the hydrant pipes have been
installed and the hydrant box has been installed in the tower apartment. However, the hydrant
pump has not been installed by the contractor yet.

• WaterSupply,
A ground tank with a capacity of 400 m3 equipped by a jockey pump has been prepared by the
contractor but there is no water supply in the ground tank.

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• Public Address System,

Apply

• Alarm and Manual Call Point,

Not Available

• Siamese Connection
Not Available

• Safety Nets
There is safety net installed by the contractor to keep the objects falling and the contractor also
places a barrier in front of the elevator column

6.3. MAINTENANCE

Regular maintenance has been done by management.

In general, the fire protection system provided at the site is rated medium average compared to
the inherent operational hazards given.

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7. LOSS PREVENTION MANAGEMENT PROGRAMS
Program
Housekeeping
Smoking Regulation
Preventive Maintenance
Fire Equipment Inspection &
Testing
Safety Procedure, Work
Permit System Contractor
Controls
Staff Safety Training
Fire Team
Emergency Response Team
& Exercise
Lock Out and Tag Out
Incident Reporting
Confidential
Comment Point
Cleanliness in the premises area is good, cleaning staff is
3
carried out by internal officers.
Smoking is strictly prohibited in the area of the premesis 3
Has a technician section for maintenance 3
Has a schedule for maintenance of fire extinguishers (APAR)
3
carried out by the maintenance department
Contractor have a work permit system when there is work
inside premises. at the time of our survey there was welding
workmanship where the welding officer was supervised by an 3
officer equipped with a fire extinguisher and welding security
equipment.
Last staff safety training conducted by contractor 3
Fire team had been formed by contractor 3
Emergency Response Team and exercise had been formed and
3
conducts by Contractor
Not Informed
1
No Information regarding the incident 3
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8. SPECIAL PERILS

Perils explosure Comment Point

Burglary and Theft Low All activities are monitored and supervised by
3
security forces
Vandalisme Low The area monitored and supervised by security
3
forces
Riot, Strike, Malicious Low The wages have been adjusted to the provisions of
Damage, Civil the local government 3
Commotion
Sabotage and Terrorism Low Site is not a target of terrorism. There are no
4
recorded losses.
Vehicle Damage Low Roads inside premesis areas are considered
adequate for vehicle movements. The area is
equipped with route markers, speed limit signs and 4
directions. Vehicles that are entered are supervised
by security personnel
Water Damage Medium - The possibility of damage due to water can occur
High because there are holes that are not closed crane
foundations so that the water entering the project
moistens the stock material and floods the area in
the building.

Smoke Damage Low There is no effect on the stock of goods in the project
3
area.
Aircraft Impact Low Far from commercial airports. The nearest
commercial airport is Halim Perdana Kusuma 4
Airport, about 32,51 km (straight linear distance)

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9. NATURAL PERILS

Perils explosure Comment Point

Flood Low The location is on a high plateau, so the flood potential is

4
very small
Lightning Low There are four lightning rods mounted on the building as
preventive effort against lightning strikes.

Earthquake Low The construction of the building is quite good using a

3
steel frame and it’s not in EQ prone area
Tsunami Low The factory location is far from the shoreline and is in the
4
highlands
Windstorm Low There are no lightweight construction structures or
structures used in locations with the highest structure as 3
high as 15 m.
Volcanic Eruption Low - there are two active volcanoes around the apartment
Medium project namely Mount Salak with a distance of 21.07 km
(straight linear) and Mount Gede with a distance of 32.36 2
km (straight linear). Potential damage that can occur is
due to volcanic ash
Landslide/Subsidance Low The location of the building has a flat land contour. 4

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10. VALUATION AND LOSS ESTIMATIONS

10.1. SUM INSURED

Sum Insured Value

Objects Value (IDR) Remark
a) Building N/A PT. Bank Negara Indonesia Banker
b). Machineries N/A Clause
c). Stock N/A

Total N/A

Loss Experienced : NIL

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10.2. LOSS ESTIMATION

BASIS OF LOSS ESTIMATION

ESTIMATED MAXIMUM LOSS (EML)
EML(Estimated Maximum Loss): The largest monetary loss (property damage plus business
interruption when coverage is provided) within one (fire) division that may be expected to result from a
single fire when this is the governing factor, or other insured peril, with fire protection impaired and
the control of the fire is mainly dependent on physical barriers or separations, and delayed manual fire
fighting by public and/or private fire brigades.
EML Scenario: (describe EML scenario)
Example:
• The Loss scenario that can occur if a loss caused by fire / explosion originating from short
circuit of temporary electricity, welding activity.
• Water damage that can occur due to hole from the crane foundation.

EML Value Objects Value – IDR %

Property Damage 30

PROBABLE MAXIMUM LOSS (PML)

PML (Probable Maximum Loss): The largest monetary loss (property damage plus business
interruption when coverage is provided) within one fire division caused by an insured peril, with
private and public protection systems in service and manual fire fighting unimpaired.
PML Scenario:(describe PML scenario)
Example:
• The Loss scenario that can occur if a loss caused by fire / explosion originating from short
circuit of temporary electricity, welding activity.
• Water damage that can occur due to hole from the crane foundation.

EML Value Objects Value – IDR %

Property Damage 30

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11. RISK IMPROVEMENT RECOMMENDATION

NO. 05.2019.01

FINDING Potential water damage due to holes in the project.

RECOMMENDATION The contractor must immediately close the former crane hole because the
rain water enters through the fox and floods the area in the project and can
damage the stock material that is on the project. But if the crane foundation
is still needed, the contractor can temporarily close the hole

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Definition of RATING SCORE

Protection
Fire Protection system is installed and maintained fully appropriate to the hazards present 4
Fire Protection System is installed and maintained sufficiently appropriate to the hazards present as to be acceptable
3
without the need for improvement
Fire Protection System is installed and maintained below the standard appropriate to the hazards present 2
Fire Protection System installed and maintained significantly below the standard appropriate to the hazards present 1

Construction
No combustibility 4
Limited combustibility 3
Combustible materials but slow burning 2
Combustible Materials, Contribute to fire spreading 1

Risk Management & Commitment Control

Risk Management & Commitment Control is above standard 4
Good Risk Management & Commitment Control 3
Moderate Risk Management & Commitment Control. Improvement is required 2
Poor Risk Management & commitment control 1

Loss Trend Probability

Very low loss trend probability,
Hazard control is excellent, 4
Nil loss experienced
Low loss trend probability,
Hazard control is good,
3
Nil or very sof loss experienced
Adequate corrective action
Moderate loss trend probability,
Control of hazard is available but need improvement
2
Sto medium loss experienced,
Corrective action is taken but still need improvement
High to very high loss trend probability,
Poor hazard control system,
1
Big Losses experienced
Corrective action is not taken

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12. ATTACHMENT (PHOTOGRAPHS / LAYOUT / ETC.)

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Time Schedule

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