Padmo, Aditya, and Iwan Erar Joesoef. “COVID-19 As Force Majeure in Insurance Agreement ”. Mulawarman Law Review 5, no. 2 (December 30, 2020): 114–125. Accessed April 16, 2026. https://e-journal.fh.unmul.ac.id/mulrev/article/view/329.