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Master policyFor managers of 10–100+ villas

One policy. Your whole villa portfolio.

You manage 10, 30, 100 villas — and somewhere between none and all of them are properly insured. A master policy replaces the pile of per-villa retail policies with one insurer, one broker deal, and one renewal date.

Placed by licensed brokers White-glove handling — a call, not a queue
The pitch

One insurer, one renewal date, better terms.

A master policy insures your whole managed portfolio as one placement. Instead of thirty owners each buying (or forgetting to buy) a retail policy, one broker negotiates one deal with one insurer — and because the insurer sees a portfolio, not a single villa, it typically beats per-villa retail policies on both price and admin.

Each villa in the schedule gets the full package. And the policy can cover the thing retail policies never touch: the management company itself.

Per villa in the schedule
Property all risks (PAR) — the building and contents
Earthquake — excluded by default in Indonesia; added explicitly
Loss of rent — the bookings you refund while rebuilding
Public liability — the guest who slips on the pool deck
For the management company
Public liability for managed premises. Covers the management company for incidents across every villa you operate — not just the ones the owner insured.
Professional indemnity. For the management advice itself — the pricing call, the maintenance decision, the contractor you recommended. Case-rated.
Crime / fidelity cover. For staff handling owner funds and guest deposits. Indicative: roughly 0.3–0.5% of the cover limit per year.
Why managers specifically

The person with the portfolio holds the cards.

Owners ask you anyway. "Can you sort the insurance?" is already in your inbox. A master policy turns an awkward errand into a one-line answer: yes, it's on our policy.
You become the hero. One clean placement, real earthquake cover, loss of rent that actually pays out — you deliver what thirty separate agents never quite did, and consolidate the commission leverage on your side of the table.
Every villa strengthens the deal. Portfolio terms improve as the schedule grows. Villa number forty gets better terms than villa number four — and so does everyone already on the policy.
What we need for a quote

Six things, one spreadsheet.

Send whatever you have — a villa list with rough numbers beats a perfect file that never arrives.

1Villa count and locations (which banjar, which regency)
2Rebuild values per villa — rough is fine, the survey firms it up
3Construction types — and be honest about any alang-alang roofs
4Rental mode per villa: owner-stay, hybrid, or full Airbnb
5Current policies and their renewal dates, if any exist
6Claims history across the portfolio
Watch-outs

The three clauses that kill villa claims.

Retail policies void on rented villas

A homeowner policy sold for owner-occupancy quietly dies the day the villa goes on Airbnb. Most managed portfolios are full of exactly these.

Earthquake is excluded by default

Badung, Gianyar, and Denpasar sit in earthquake Zone 4. Standard fire policies exclude it — it has to be added explicitly, per villa.

Unoccupancy clauses bite between bookings

Many policies cut cover after 30–60 days empty. Low season plus a renovation gap is enough to void a claim on a villa nobody thought was at risk.

Ready to price your portfolio?

Use the business form and select “Property-manager master policy” — or skip straight to WhatsApp with your villa count. Either way it becomes our job from there.

Start the inquiry  WhatsApp us
Keep readingVilla insurance calculatorInsuring your Bali villa for Airbnb

All figures on this page are indicative estimates, not quotes. Final pricing and terms come from licensed insurers and brokers after a survey of the portfolio. Insurance products are provided by licensed companies, brokers, or registered agents — see our disclosure.