Four kinds of risk, one desk.
Contractors & developers
CAR/EAR cover for the build itself — typically 0.10–0.25% of contract value, indicative. Plus surety bonds for tenders and advance payments, and BPJS Ketenagakerjaan Jasa Konstruksi compliance so the site is legal, not just insured. Does your kontraktor have CAR insurance?
Villa & hotel operators
The property package: PAR (property all risks) + earthquake + loss of rent + public liability, priced as one placement. Group health for staff bolts on. Want a number before talking to anyone? Run the villa insurance calculator.
Property managers
One master policy across a managed portfolio instead of 30 separate renewals. Add public liability, professional indemnity for the management activity itself, and crime cover for the money that moves through your accounts. Full pitch: master policies for villa portfolios.
Employers
BPJS Kesehatan is the mandatory base — private group health is the top-up that makes offers competitive and keeps staff out of public queues. Rated per headcount and age band; 10 staff is usually enough to start a group scheme.
Business lines are broker territory. We make it one thread.
CAR policies, surety bonds, master policies, group health — these are placed by licensed brokers and insurers, not bought off a comparison table. That part does not change, and it should not.
What changes is everything around it. We take your details once, brief the right licensed partners, chase the quotes, translate the exclusions, and keep it all on one WhatsApp thread — instead of six agent lunches, four PDFs in Bahasa legalese, and a renewal date nobody wrote down.
You pay the same premium either way; partners pay us for the introduction. Details in our disclosure.
Tell us about the risk.
Two minutes of typing, then it becomes our job. Rough numbers are fine — the survey comes later.