Fire & Property Insurance
Comprehensive protection for buildings, machinery, and inventory across Indonesia.
Fire and Property Insurance is fundamental protection for any business with physical assets in Indonesia. Our programs cover damage from fire, lightning, explosion, aircraft impact, smoke, and optional extensions for natural disasters (earthquake, flood), riots (RSMDCC), and business interruption.
We work with multiple insurance companies to offer FLEXAS (basic fire perils), PAR (Property All Risk for commercial buildings), and IAR (Industrial All Risk for factories) — helping you select the right coverage for your specific business type and risk profile.
Premium typically ranges from 0.05% to 1.5% of sum insured per year, depending on construction type, location, industry hazard class, and additional extensions selected.
- ✓ Building, machinery, and inventory coverage
- ✓ FLEXAS, PAR, or IAR policy options
- ✓ Optional flood, earthquake, and volcanic extensions
- ✓ Business interruption coverage extension
- ✓ Machinery breakdown extension available
- ✓ Reinstatement value basis (not depreciation)