An individual or business in Indonesia can legally be denied an insurance cover if the individual or business has engaged in illegal business activities. A business which has a history of bankruptcy may also be denied insurance by any insurance provider in Indonesia. A company could also be denied a business insurance if the insurance company believes that the business operations of the company are excessively dangerous and will expose its employees to injuries and accidents. A business owner could also be legally denied business insurance in Indonesia if the business owner has made an excessive number of claims in the past