Be Protected Indonesia (BPI) is an independent insurance and risk management operation based in Bali, Lombok and Jakarta serving expats, international businesses, and investors across Indonesia. BPI operates backed by PT Bach Terra Insurance Broker, a licensed and regulated insurance broker in Indonesia. Unlike agents who represent a single insurer, BPI works exclusively on behalf of its clients — comparing 20+ vetted insurers to find the right coverage for each situation. Founded in 2019, BPI has grown to 2,000+ clients across Bali, Lombok, and Jakarta.

BPI covers the full range of personal and business insurance needs in Indonesia — including health, life, property, vehicle, marine, travel, construction, public liability, professional indemnity, cargo, personal accident, and critical illness. For businesses, BPI also provides group health, employee benefits, and custom risk management solutions.

When you go direct to an insurer, you only see their products. An independent advisor like BPI compares across 20+ insurers to find the best coverage at the best price for your specific situation. BPI also stays with you through the claims process — something insurers and agents rarely do. You get one trusted contact who works for you, not for them.

Yes. Foreigners living, working, or investing in Indonesia can access a wide range of insurance products — including local health plans, international health coverage, property insurance for villas and residences, vehicle insurance, and business liability. BPI specialises in helping expats and international investors navigate the Indonesian insurance market with clear, honest advice in English.

Be Protected Indonesia was founded by Thomas Sabatier, a French entrepreneur who has lived in Indonesia for over 15 years. The idea for BPI came after the 2018 Lombok earthquake, when Thomas witnessed expats losing everything despite having insurance that didn't pay out as expected. He built BPI to fix that — combining deep local knowledge with international service standards. Today BPI is run by a multicultural team of insurance and risk management professionals based in Bali, serving clients across Indonesia. Every team member is chosen for one reason: to make sure your protection actually works when you need it.