Insurance Broker Liability Concept as a Profession Which Is Just in Indonesia

  • Ahmad Syaifudin Faculty of Law, Universitas Brawijaya, Indonesia
  • Sri Suhariningsih Faculty of Law, Universitas Brawijaya, Indonesia
  • Budi Santoso Faculty of Law, Universitas Brawijaya, Indonesia
  • Sukarmi Sukarmi Faculty of Law, Universitas Brawijaya, Indonesia
Keywords: Accountability; Professional; Contribution; Mistakes


Insurance brokers are professionals who provide recommendations or represent policyholders in insurance and sharia insurance. The Insurance Law requires that insurance brokerage companies be in the form of limited liability companies that adhere to limited liability, with responsibility for the actions of insurance brokers falling under the principle of vicarious liability. The law states that insurance brokerage companies and reinsurance brokerage companies are responsible for the actions of insurance brokers who provide recommendations to policyholders regarding insurance coverage or closure. This article discusses the liability of insurance brokerage companies and insurance brokers for damages resulting from the negligence and mistakes of insurance brokers. The article adopts a normative juridical research method and uses a statute approach with analogical interpretation and a conceptual approach with systematic and reverse interpretation. The research finds that there is a need for a classification/categorization of worker categories in statutory provisions to provide certainty and legal protection. This classification should at least make a distinction between laborers, ordinary workers, and professional workers. The concept of vicarious liability is no longer relevant for professional workers, as they have a scope of duties, responsibilities, and authorities that differ from those of workers in general. They also receive different wages and rewards. The research suggests a theory of civil liability for the insurance broker profession in the form of compensation based on fault contribution. This theory takes into account the limited liability capabilities of limited liability companies and the principle of proportionality in creating justice. It balances the need for individuals to be fully responsible for their mistakes and negligence with the limited liability of companies.


Abdul R. Budiono, 2009, Labor Law, Jakarta, Index.
Ahmad Miru, Explanation of the Meaning of Articles 1233 to 1456 BW, Jakarta, Rajawali Press.
Apparindo, Insurance is useless if the claim is not paid, Apparindo, Jakarta, 2013.
Aris harito, The Meaning of "Not contradicting decency as a legal requirement of a work agreement", Dissertation, Doctoral Study Program in Law, Faculty of Law, Brawijaya, 2011, page 246.
Asri Wijayanti, 2018, Post-Reform Labor Law, Jakarta, Sinar Graphic.
Dungga, w.a., & Muhtar, m.h. 2022. The Concept And Position Of The Formulation Of The Law Of The Republic Of Indonesia Number 11 Of 2020 Concerning Job Creation Was Prepared Using The Omnibus Law Technique. Protection: Journal Of Land And Environmental Law, 1(2), 106-118. Published November 30, 2022.
E. Sumaryono, 2002, Legal Ethics Relevance of Natural Law Theory Thomas Aquinas, Yogyakarta, Kanisius. , accessed on 16 January 2022.
Komar Kantaatmadja, "Professional Responsibility", Journal of the Legal Era, Th. III No. 10, October 1996, p. 4.
M. Khoidin, 2020, Liability in Civil Law, Yogyakarta, Laksbang Justitia.
MA Moegni Djojodirjo, Acts Against the Law, Pradnya Paramita, Jakarta, 1979, h. 113.
Mohamad Hidayat Muhtar, Sejarah Tata Hukum Indonesia, Dalam Konsep Hukum Indonesia, PT Global Eksekutif Teknologi, Cetakan pertama, Mei 2023.
Nieuwenhuis, Fundamentals of Contract Law, Djasadin Saragih Translation, without publisher, Surabaya, 1985.
Peter Maas, 2006,How Insurance Brokers Create Value–A Functional Approach,University of St. gallen,.
Peter Mahmud Marzuki, 2016. Principles of Law, Jakarta, Prenada Media Group.
R. Subekti and R. Tjitrosoedibio (Translator), Civil Code, Pradnya Paramita, Jakarta, 2009.
Ridwan Khairandy, Good faith in freedom of contract, UI Press, Jakarta, 2003, h. 152.
Setiawan, "Unlawful Acts: Error Problems (Schuld, Negligence)", Judicial Varia, Th. II No. June 21, 1987, p. 110.
Sidharta,2009,The Morality of the Legal Profession (An Offering Framework), Bandung, Refika Aditama.
Siti Sundari Rangkuti, Environmental Law and National Environmental Policy, Third Edition, Airlangga University Press, Surabaya, 2005, p. 280-281.
Soekotjo Hardiwinoto, Collection of Speeches for the Inauguration of Professors of the Faculty of Law UNDIP Semarang, Publishing Agency of Diponegoro University, S0emarang, pp.183-184.
Sritomo Wignjosoebroto, “Professional Ethics: Experiences & Problems”, Introductory Paper for the Discussion on "Perspectives on the Development of Global Competitiveness of Professional Workers", Retrieved 20 July 2022.
Sukarman Purba, Astuti Astuti, and Juniyanto Gulo , Quoting the book Professional Ethics : Building Self Professionalism.
Suryani, I., Muhtar, M.H., Rahman, Y.M., Jaya, B.P.M., & Khalaf, A.A. 2023. Integration of Islamic Law in Regional Development in Indonesia. JURIS (Jurnal Ilmiah Syariah), 22(1), 1-11. Published April 30, 2023.
Wantu, F., Muhtar, M. H., Putri, V. S., Thalib, M. C., & Junus, N. 2023. Eksistensi Mediasi Sebagai Salah Satu Bentuk Penyelesaian Sengketa Lingkungan Hidup Pasca Berlakunya Undang-Undang Cipta Kerja. Bina Hukum Lingkungan, 7(2), 257-289.
Yanius Rajalahu, Settlement of Violations of the Professional Code of Ethics by the Indonesian National Police, Journal of Lex Crimen Vol. II/No. 2/Apr-Jun/2013.
How to Cite
Syaifudin, A., Suhariningsih, S., Santoso, B., & Sukarmi, S. (2023). Insurance Broker Liability Concept as a Profession Which Is Just in Indonesia. International Journal of Social Science Research and Review, 6(5), 475-489.