Legal Obligation & Environmental Protection

B3 Hazardous Waste Insurance Batam

Industries that produce B3 hazardous waste in Batam are legally required to hold financial guarantees in the form of insurance. Protect your business from environmental legal claims that can reach billions of rupiah.

Rio Mardiansyah
Reviewed by
Rio Mardiansyah
Insurance Practitioner · 8+ Years Experience

Benefits & Coverage

What does this insurance policy cover?

☣️

Soil & Water Pollution

Clean-up and environmental restoration costs from B3 waste spills or leaks.

⚖️

Environmental Legal Claims

Legal costs and damages from claims by the public or government regulators.

🏥

Third-Party Health Impact

Compensation for the community affected by health impacts from your waste.

🌿

Ecosystem Restoration Costs

Environmental restoration costs, including flora and fauna affected.

🚒

Emergency Response Costs

Emergency handling costs when a B3 waste spill or leak occurs.

📋

Regulatory Fines

Protection against administrative fines from environmental regulators (subject to policy terms).

B3 Insurance Premium Estimates for Batam Industry

Premiums depend on the type and volume of waste, incident history, management systems, location and limit. These are illustrations at roughly 0.3%–0.8% of the limit per year.

Facility TypeLimitEstimated Premium
Mid-scale electronics factoryIDR 10 billionIDR 30–80 million/year
Metal processing facilityIDR 20 billionIDR 60–160 million/year
Chemical storage warehouseIDR 15 billionIDR 45–120 million/year
Galvanising / coating facilityIDR 25 billionIDR 75–200 million/year
B3 waste treatment facilityIDR 50 billionIDR 150–400 million/year

* Actual premiums are set after underwriting based on your facility's specific risk profile. Free consultation: +62-813-7333-6728.

How to Arrange B3 Hazardous Waste Insurance

Five steps an experienced insurance agent can guide you through.

  1. 1

    Risk assessment

    By an insurance specialist familiar with industrial environmental liability.

  2. 2

    Detailed questionnaire

    Covering the types, volumes, and handling methods of the hazardous waste your facility produces.

  3. 3

    Sum insured determined

    Based on the scale of your operations and potential remediation costs.

  4. 4

    Policy issuance and premium payment

    Once the underwriter has reviewed and accepted the risk.

  5. 5

    Policy submitted to the authority

    As formal proof of the financial guarantee required under PP 22/2021.

Complete Your Industrial Compliance

Is B3 Insurance Mandatory?

What PP 22/2021 requires, the three ways to comply, and the penalties for non-compliance.

How to File a B3 Claim

The 7-step claim procedure and real incident cases from Batam industrial estates.

Public Liability

Broader legal liability cover for risks outside B3 waste.

Policy Comparison

Choose the package that suits your needs

FeatureBasicStandardComprehensive
Soil Pollution✅✅✅
Water / Marine Pollution❌✅✅
Third-Party Claims✅✅✅
Ecosystem Restoration❌Limited✅
Emergency Response Costs❌✅✅
Regulatory Fines❌❌Optional
Legal & Litigation Costs❌✅✅
Third-Party Health CompensationLimited✅✅
Transboundary Pollution❌❌Optional
Maximum Sum Insured (Rp)5 B15 BAs required

* Contact us for the best offer tailored to your needs

Frequently Asked Questions

Answers to commonly asked questions

Is B3 waste insurance required by law?+
Yes. Government Regulation No. 22 of 2021 on Environmental Protection and Management requires businesses that produce or manage B3 waste to hold a financial guarantee, and insurance is one of the accepted forms.
Which industries in Batam need B3 waste insurance?+
Shipyards and maritime industry (Tanjung Uncang and Sekupang) producing paint, oil and solvent waste; electronics and manufacturing plants (Muka Kuning and Batamindo) producing lead and chemical waste; hospitals and large clinics; automotive workshops and metal industries; research and calibration laboratories; and oil & gas companies operating in the Riau Islands.
What documents are needed to apply for a B3 waste insurance policy?+
Standard documents: (1) company legal documents — NIB, business licence, NPWP and deed of establishment; (2) environmental documents — environmental approval (AMDAL/UKL-UPL), the technical approval for B3 waste management (Pertek), and last year's B3 waste balance; (3) B3 waste manifests for the last 6 months; (4) facility technical data — waste storage layout, tank capacity, and type and monthly volume of waste; (5) any environmental incident record in the last 3 years. Underwriting generally takes 7–14 working days once the documents are complete.
What is the recommended sum insured and the premium range?+
For a mid-sized industry in Batam, a sum insured of at least Rp 5 billion is recommended, with premiums of roughly 0.3%–0.8% per year of the sum insured depending on risk profile. High-risk industries such as shipyards and chemical manufacturing usually need Rp 10–50 billion. We provide a free risk assessment so the limit is neither too low (underinsured) nor excessive.
Does public liability insurance already cover B3 waste contamination?+
Generally no. Standard public liability policies exclude pollution and environmental contamination, so B3 waste risk needs a dedicated environmental liability policy.
What should I do if a spill or leak has already happened?+
Notify your insurer promptly and document the incident. The full step-by-step procedure, required documents and real cases are in our B3 insurance claim guide linked below.

Ready to apply? Fill in a short form and we'll do the initial assessment.