PT Sada Insurance BrokerIndependent Insurance Broker

Local Broker with Global Standard.

One partner who stands with you when a loss happens.

PT Sada Insurance Broker acts for you, the insured: risk analysis, programme design, placement with sound insurers, and support until the claim is paid.

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  • Independent, with no insurer affiliation
  • Certified insurance professionals
  • Supporting your claim is our professional duty
Illustration of office buildings, a factory, a construction crane, vehicles and a port: the risk lines Sada handles
  • PeopleCertified specialists stand behind every recommendation we make.
  • PartnershipOne dedicated account handler who knows your business, with regular reporting and programme reviews.
  • ProgressService standards you can measure, reviewed regularly, from quotation to settled claim.
About Sada

Sada means one. That is how we work.

One voice for the insured. One service standard, in Jakarta and across Indonesia. One point of accountability, from risk assessment to a settled claim. The name is a working promise, not a label.

Vision

To become a local insurance broker of global standard, respected at home and abroad, and a lasting contributor to Indonesia's insurance industry.

  • 1To provide insurance broking that is independent, objective, innovative and built around client needs.
  • 2To place risk effectively, efficiently and in line with the client's business profile.
  • 3To be the client's strategic partner in risk management, placement and claim settlement.
  • 4To build sound corporate governance, compliant with OJK rules and grounded in integrity.
  • 5To develop professional people, information technology and working systems that support sustainable growth.

We act for you, not the insurer

Law No. 40 of 2014 makes the insurance broker the representative of the insured. For us that is not a commercial choice but a statutory mandate, built into our structure.

We advise, we do not sell policies

We are paid a brokerage commission. The size of that commission does not decide which insurer we recommend: our conflict of interest policy sets this out in writing.

Good brokers grow the market, not the risk

We carry no underwriting risk: that is the insurer's job. We improve risk quality before it reaches their desk, so the market widens without adding systemic risk.

Why Sada exists

The market is large. Cover is still uneven.

For over two decades, Indonesian insurance penetration has barely moved, still behind neighbouring markets. The problem is not a lack of products. What is missing is the bridge between risk on the ground and industry capacity. Building that bridge is the broker's work.

2.84%Insurance premiums as a share of Indonesian GDP
3.2%Insurance Roadmap penetration target for 2027
Source: OJK presentation, May 2026; Roadmap for the Development and Strengthening of the Indonesian Insurance Industry 2023-2027.
Services

One team across your whole risk cycle.

Risk analysis first, cover second. On complex risks like manufacturing plants, construction projects or high-value collateral, we bring in loss adjusters and engineering, legal and financial consultants. The result is a complete recommendation, from programme design to claim settlement.

Risk Analysis & Consulting

  • Identification and evaluation of your business risks
  • Analysis of your insurance cover needs
  • Recommendation of an insurance programme that fits

Insurance Placement

  • Programme structure matched to risk complexity, including co-insurance for large risks
  • Quotation and tender documents issued to the panel of insurers
  • Negotiation of premium, terms and conditions
  • Insurer selection: capacity, cover, price and financial strength

Policy Administration

  • Policy wording checked before it reaches you
  • Expiry monitoring and renewal reminders
  • Management of endorsements and policy changes

Claims Support

  • Support with claim filing and documentation
  • Coordination with insurers and loss adjusters
  • Negotiation and advocacy on claim settlement
  • Follow-up until the claim is paid

Advisory & Risk Education

  • Review of your existing insurance programme
  • Benchmarking premium and cover against the market
  • Advice on insurance-backed financing structures
  • Regular risk education for your team

Conventional or sharia: we choose on merit.

We build our panel of insurers on capacity, reputation and financial strength, not on connections. We do not issue policies; we choose who issues yours.

Insurance Lines

Our focus: corporate risk that demands technical precision.

Property

  • Industrial All Risks
  • Property All Risks
  • Indonesian standard fire policy (PSAKI)

Construction & Engineering

  • Contractors All Risks
  • Erection All Risks
  • Machinery Breakdown

Credit & Financing

  • Credit insurance
  • Credit collateral insurance
  • Project finance insurance

Marine

  • Marine cargo
  • Inland transit
  • Marine hull

Corporate Vehicles

  • Operational fleet
  • Project vehicles

Liability

  • Public liability
  • Employer's liability
  • Professional indemnity

Employee Benefits

  • Group health insurance
  • Other lines as required

Who we work with

High-value corporate risks with specific technical requirements.

  • Banks & finance companies
  • Corporate borrowers
  • Property, construction & infrastructure
  • State-owned and private companies

Retail cover (motor, personal property, health) is available on a selective basis. Every placement is handled independently and built around your needs.

How We Work

Four steps. None of them skipped.

Understand the risk

We gather your data and risk profile, visit the site where needed, then size the cover you actually require.

Design & tender

We structure the programme, issue the slip to insurers that pass our due diligence, then negotiate premium and policy wording.

Place & manage

The insurer is confirmed, the policy issued and reviewed, endorsements managed and renewal dates tracked, so no gap in cover opens.

Support the claim

When the policy is tested, we are there. From first notification to payment: documents, loss adjuster coordination, negotiation, all on record.

Values

Five values, not five slogans.

Values are easy to write and hard to hold under pressure. So each of ours has an enforcement mechanism in company policy.

Trustworthy

Your premium is not our money. We hold it in a separate account and remit it to the insurer on time.

Competent

No advice without a technical basis, and every recommendation is signed by qualified personnel.

Independent

We have no ownership ties to any insurance company, so there is no insurer we have to favour.

Transparent

We set out our remuneration structure from the start. No charge appears without an explanation.

Sustainable

We do not chase growth we cannot manage. Growth is welcome, as long as we stay in control.

Governance & Compliance

Compliance is not paperwork. It is our foundation.

Our governance, risk management and consumer protection policies were approved by the Board of Directors and the Board of Commissioners on day one.

Paid-up capital settled in cash and in full from incorporation, above the OJK minimum and with no shareholder loans.
  • Good corporate governance — GCG guidelines, charters for the Board of Commissioners and the Board of Directors, a code of ethics and integrity pact, and a conflict of interest policy.
  • Integrated risk management — an operational risk register, independent internal audit, and a whistleblowing channel.
  • Anti money laundering & counter terrorism financing programme — anti money laundering and counter terrorism financing guidelines, CDD and EDD procedures, and reporting in line with the rules.
  • Consumer protection — clear and transparent information, products matched to client needs, and a recorded complaints channel.
  • Personal data protection — in line with Law No. 27 of 2022: role-based access control, data encryption, and processing records.
  • Business continuity — daily backups at a separate site, plus business continuity and disaster recovery plans with recovery tests scheduled at least once a year.

Tell us your risk. We listen first.

Send us your business profile. We map the cover you need, then talk premium.

Contact Us +62 21 3973 7369
Contact

Our Central Jakarta office. Come and meet us.

Lippo Tower Holland Village
37th Floor (#3701)

Jl. Letjen Suprapto No.1 Kav.60
Cempaka Putih, Central Jakarta 10510

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