Bali is once again at the center of global investment attention, with growing momentum in 2025. The recent launch of the Bali Tourism and Investment Chamber (BTIC) in October 2025 further strengthened the investment ecosystem on the island of the gods. This initiative aims to facilitate collaboration between the government and investors, simplify regulations, and encourage more massive, sustainable investment in Bali. Furthermore, Special Economic Zones (SEZs) such as the Sanur SEZ and the Kura-Kura Bali SEZ are driving significant investment, targeting tens of trillions of rupiah and significant job creation.
This positive momentum opens up significant opportunities for economic growth and the development of various strategic projects that will contribute not only to Bali but also to the national economy. However, large investments also come with significant risks, ranging from construction risks and regulatory changes to operational and environmental risks.
Therefore, risk protection through insurance is a crucial element that should not be overlooked. With the right insurance, investors and business owners can ensure their investments are protected from potential unforeseen financial losses, thereby ensuring the continuity and success of their projects.
As a trusted partner in risk protection solutions, L&G Insurance Broker is ready to help you understand and select insurance products tailored to the unique needs of each project and investment in Bali. With our extensive experience and network, we provide tailored consulting services and competitive premiums to ensure optimal protection for your business.
In this article, we’ll discuss five strategic projects currently underway in Bali, as well as the importance of insurance in supporting your investment success.
1. Bali Urban Rail: Building Bali’s Future Mass Transportation
The Bali Urban Rail project is one of the largest infrastructure investments on the Island of the Gods, underway by 2025. This rail-based mass transportation system is designed to reduce congestion, improve tourist mobility, and enhance connectivity between regions in Bali. The project not only provides a modern transportation solution but also stimulates economic development in the areas surrounding the railway line.
The project’s investment value is estimated to reach trillions of rupiah, involving numerous contractors, subcontractors, and other related parties. Due to its large scale and complexity, construction risks, project delays, and potential asset damage are major challenges.
This is where protection through construction insurance (contractor’s all risks insurance) becomes crucial, covering the risk of physical damage during construction. Furthermore, property and third-party liability insurance are also necessary to protect assets and provide legal protection against third-party claims resulting from accidents or damage that may occur around the project site.
With the right risk protection in place, investors and project actors can undertake the Bali Urban Rail development with greater peace of mind and focus on completing the project on target.
2. Pengambengan Archipelago Fisheries Port: Blue Economy Development in Bali
The Pengambengan Archipelago Fisheries Port (PPN) in Jembrana Regency is a strategic project supporting the development of the blue economy in Bali. The project aims to build a modern, environmentally friendly port focused on increasing the capacity and efficiency of the local fisheries sector. Furthermore, the port plays a role in supporting coastal micro, small, and medium enterprises (MSMEs), the backbone of the local economy.
The investment for the construction and modernization of this port reaches hundreds of billions of rupiah, involving the construction of docks, fishing facilities, and other supporting infrastructure. This project carries various risks, ranging from physical damage due to extreme weather, accidents on the construction site, to the risk of operational disruption.
Therefore, protection through construction insurance is crucial to cover risks during port construction. Furthermore, marine cargo insurance is necessary to protect goods and fishing gear during shipping. Equally important is third-party liability insurance, which protects ports from claims resulting from damage or injury involving external parties.
With the right insurance solution, the Pengambengan PPN project can run smoothly while supporting the sustainability of an environmentally friendly blue economy that benefits the Balinese people.
3. Nuanu Creative City: Premium and Creative Property Area in Bali
Nuanu Creative City is a rapidly developing premium property project in Tabanan, Bali. The project promotes a creative district concept that combines workspace, residential, and commercial facilities with a modern and environmentally friendly design. With an investment value reaching tens of millions of US dollars, Nuanu Creative City is attracting interest from both domestic and foreign investors who see the potential of Bali’s growing luxury property market.
A property project of this magnitude carries numerous risks, ranging from construction risks and rising material costs to market risks and zoning regulations that are subject to change. Furthermore, property security risks and potential damage from natural disasters are also major concerns.
Therefore, protection through property and construction insurance is essential. This insurance protects against physical damage to buildings during construction and after the project is completed. Furthermore, business insurance can provide additional protection against the risk of financial loss due to operational disruptions.
With comprehensive risk protection, Nuanu Creative City can be a safe and attractive project for investors who want to participate in premium property development in Bali.
4. Increasing Investment Realization in Bali and Its Contribution to the Local Economy
The latest data shows that realized investment in Bali will experience a significant increase in 2024 and 2025, reaching tens of trillions of rupiah. This growth stems not only from large infrastructure projects but also from the rapidly expanding tourism, property, and creative and technology sectors.
This increase in investment will undoubtedly have a significant positive impact on Bali’s economy, including job creation and improved public welfare. However, alongside these significant opportunities, business and project risks also increase. Risks such as regulatory changes, operational disruptions, and potential natural disasters must be addressed through sound risk management.
In this context, insurance plays a vital role in protecting investment value and ensuring business continuity. Various insurance products, from property insurance and business insurance to liability insurance, can provide comprehensive protection against a wide range of potential risks.
With the right insurance coverage, investors and business owners in Bali can carry out their activities with greater confidence and focus on business development.
5. Sustainability and Climate-Based Investment in Bali: Towards a Green Economy
Bali is also aggressively developing investment projects focused on sustainability and climate change mitigation. Through initiatives like the Bali Climate Finance Platform (BCFP), the provincial government, along with stakeholders, is working to encourage funding for environmentally friendly projects, renewable energy, and green infrastructure.
Investments in this sector not only contribute to environmental preservation but also open up new, sustainable business opportunities. However, these climate- and sustainability-driven projects carry unique risks, such as rapid regulatory changes, immature new technologies, and the risk of project failure.
Therefore, innovative insurance, such as climate insurance and green project insurance, is a crucial solution to protect investors from potential losses associated with this sector. This insurance helps manage unique risks and supports the sustainability of environmentally sound investments.
With the right insurance support, green investments in Bali can grow safely and provide long-term benefits to the community and the environment.
The Role of Insurance in Supporting Investment Success in Bali
Large investments, such as those currently taking place in Bali, carry various risks that could disrupt project operations and lead to significant financial losses. Therefore, insurance is a crucial tool in mitigating these risks, providing essential protection for investors, developers, and businesses.
Some of the important roles of insurance in the context of investment in Bali include:
- Protecting Project Physical Assets
Property insurance and construction insurance provide protection against damage or loss of physical assets during construction and after the project is completed. This covers the risks of fire, natural disasters, accidents, and other damage. - Reducing Financial Risk
With insurance, financial losses due to unexpected risks such as project delays, heavy equipment damage, or third-party claims can be minimized so that cash flow and business plans continue to run smoothly. - Increasing Investor and Partner Confidence
Projects that have adequate insurance protection will increase the confidence of investors, business partners, and financial institutions because risks are well managed. - Meeting Contract and Regulatory Requirements
Many strategic projects and large investments require insurance as part of the work contract or government regulations, so that insurance coverage is a must for the smooth running of the project. - Providing Legal Protection and Responsibility
Third party liability insurance protects projects from legal claims resulting from damage or injury involving outside parties during project implementation.
As an insurance broker, L&G Insurance Broker acts as a strategic partner, helping you select and customize insurance products that meet the needs and risk profile of your investment project in Bali. We ensure that every insurance solution we offer is tailor-made, providing optimal protection at competitive premiums.
With L&G’s support, you not only invest with confidence, but are also protected from risks that could threaten the success of your project.
Conclusion
The surge in investment in Bali through various major strategic projects presents tremendous opportunities for economic growth and regional development. However, with increasing scale and complexity, the risks involved cannot be underestimated. Risk protection through insurance is an absolute necessity to ensure the smooth and secure operation of every investment.
From the Bali Urban Rail mass transit project, the development of a modern fishing port in Pengambengan, premium property areas like Nuanu Creative City, increased investment realization, to sustainability and climate-based investments — all require the right insurance protection to anticipate various potential risks.
As a trusted partner, L&G Insurance Broker is ready to help you find insurance solutions tailored to your project’s needs and characteristics. With extensive experience and tailored services, L&G ensures your investment not only grows but is also optimally protected.
Don’t let risk hinder your great opportunities in Bali. Contact L&G Insurance Broker now for a free consultation and discover the best insurance solutions to safeguard every step of your investment journey.
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