Construction Insurance That Covers More Than Just the Site
For New Builds, Renovations, and Responsible Contractors
From material loss to third-party injury, Construction All Risk insurance protects the full scope of your project — including works in progress and maintenance periods. Whether you're a developer or a contractor, it's your name on the line — stay protected from day one.
Coverage for All Building Types
From the first brick to full operation
From Groundbreaking to Handover — We’ve Got You Covered. Before completion, your project is protected with Construction All Risk (CAR) insurance — covering materials and third-party liability. Once the building is finished, Property All Risk insurance takes over to ensure full protection of your asset.
Comprehensive Protection for Your Construction Project – From Groundwork to Handover and Beyond.
Starting from just 0.15% of your total project value.
Construction All Risk insurance covers more than just the structure — it protects materials, ensures post-completion peace of mind, and includes liability coverage throughout the project.
01
Material Damage from Unforeseen Events:
Covers damage to the building under construction, tools, materials, and temporary structures due to risks like fire, flood, earthquake, or transport issues.
02
Maintenance Period After Completion:
Includes up to 6 months of coverage after the handover — in case construction-related issues appear once the building is in use.
03
General & Public Liability:
Protects you against third-party injury or property damage caused by the construction project — including design-related risks.
Example of Construction Insurance Pricing
3 examples of Construction All Risk insurance for different types of projects across Indonesia — from single villas to large-scale developments. Premiums vary based on location, material, risk level, and total project value.
Villa Project Umalas
Project Value:
IDR 1.5 billion
Estimated Premium
IDR 3,000,000
Villa Complex Pererenan
Total Value:
IDR 25 billion
Estimated Premium
IDR 50,000,000
Eco Resort
Flores
Project Value:
IDR 5 billion
Estimated Premium
IDR 12,000,000
Get Ready to Be Covered
Everything you need to start your construction insurance smoothly and securely
To qualify for Construction All Risk insurance, your project must either not have started yet or be less than 10% completed. This is a strict requirement from all insurance companies because once the work is too advanced, the risk becomes much higher and almost no insurer will accept it.
We also require that two parties are clearly mentioned in the construction contract — for example, the owner and the contractor — to ensure legal clarity and proper coverage.
If your project is already more than 20% done, unfortunately, it’s very unlikely that any insurer in Indonesia will provide coverage.
Trusted by Property Owners & Contractors Across Indonesia
Sébastien, Villa Owner in Ubud
I insured my construction with BPI before the first brick was laid. They helped with every document, and now I feel totally protected — even during the building stage.
Maya & Romain, Private Investors
Our site was already 10% complete and we thought it was too late. BPI found a solution with Zurich and took care of everything in just a few days. Super professional.
Andi, Local Contractor in Bali
Most insurance companies gave me complicated answers, but BPI made it simple. They even reviewed the contract to make sure we were eligible. Highly recommend!
Protection Beyond the Build
Insurance solutions for workers, buyers, and project needs.
Construction risks go beyond just materials and buildings. We also provide customized insurance for construction workers and buyers, ensuring financial protection throughout the project. Whether bundled or tailored, our coverage is designed to fit your specific needs and priorities.
What Builders & Developers Ask
Common questions about protecting your project from start to finish
Building with Confidence
Insights on construction risks, permits, and project protection in Indonesia
