Business Insurance

Bidding on construction, government, or supply contracts in Indonesia? Here's what performance bonds, bid bonds, and other surety bonds actually guarantee — and when you need each one.

Moving goods across Indonesia's islands or importing/exporting internationally? Here's what cargo insurance actually covers — and the coverage level that fits your shipments.

BPJS Kesehatan is mandatory in Indonesia, but it's rarely enough to keep your best employees. Here's how group health insurance works, what it costs, and why more companies are adding it on top of BPJS.

Most professional service businesses insure their office and equipment — but the real risk is the advice itself. Professional Indemnity insurance covers claims from a client who relied on your judgment and suffered a financial loss as a result, whether that's a missed detail, a design flaw, or an error in advice. Here's what it covers, what it doesn't, and why consultants, architects, and advisory firms across Indonesia carry this exposure every day.

Most businesses in Bali insure the building, the vehicles, and the liability — but skip the risk sitting inside their own payroll. Fidelity Guarantee insurance covers exactly that: financial loss from theft, embezzlement, or fraud committed by your own permanent employees. Here's what it actually covers, what it doesn't, and why villa management, hospitality, and retail businesses are the ones who need it most.

Construction insurance protects your project from day one. Learn how to secure your build in Indonesia against natural and third-party risks

Natural disasters and liability risks are real. Discover the true cost of not having construction insurance in Bali—and who pays for it.

Think construction insurance in Bali is unnecessary or complicated? Here are 5 myths—debunked—to help you protect your project.