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KBLI Navigator/Section K/66211
KBLI 66211

Insurance Risk Surveying

Aktivitas Penilai Risiko Asuransi

🏦 Section K — Financial & Insurance Activities

In Bali: a PT PMA cannot register this code

National procedure — does not apply to a PT PMA in Bali

In Bali this activity is blocked for a PT PMA under the 13 May 2026 moratorium. The national procedure below applies only to non-PMA operators.

✅Open· 100% nat'l · blocked in BaliDirect Match🏝️🚫Closed in Bali (2026 moratorium)· needs review· low conf.❓Not classifiable — divergence documented

Insurance Risk Assessment: Nationally Open, Blocked for PMA in Bali

This pre-insurance risk-assessment activity is open to full foreign ownership nationally, yet Bali’s permanent PMA moratorium blocks registration at a Bali address.

By the numbers
National foreign-ownership ceiling
100%
Open business scales
Mikro, Kecil, Menengah, Besar
PMA source
Perpres 10/2021, 49/2021
Bali status
Closed (Bali moratorium)
National openness and a 100% ceiling do not create a PMA registration option at a Bali address.
What Changed

Direct 1:1 match from KBLI 2020 — code and scope unchanged.

What You Need

This code covers insurance risk assessment and appraisal activity. The licensing rows shown here earlier were in fact an unrelated cooperative-sector rating-agency licensing regime, so the entire block has been removed from this page; the correct licensing for this code is not yet reliably defined in our verified sources. Before registering or investing, confirm the current requirements with the Bali Zero team. **Risk tier under review.** The licensing rows this code's risk tier was read from have since been set aside as unverifiable for KBLI 2025, so we cannot currently re-derive it. Where this page states a risk tier or a scale-based requirement, treat it as provisional pending re-derivation, and verify the current classification at oss.go.id before acting on it.

Who This Is For

Foreign insurance surveyors, loss-adjustment professionals, or risk engineers looking to provide pre-coverage inspection services to insurers.

2020 → 2025
Previous codes (KBLI 2020): 66211

Regulatory Divergence

The licensing previously shown for 66211 was removed because its source could not be verified as applying to this activity. Here is what the sources actually say — with citations.

Correction note — verbatim, with source locators

KBLI 2025 code 66211 'Aktivitas Penilai Risiko Asuransi' (insurance risk assessment/appraisal activity) carries canonical status_mapping='MATCH_LANGSUNG', kbli_2020_source=None, pp28_sources=['66211'] (self-referencing). The Lot 5 conductor gate report (§3, Adjudications item 1) records this code as one of THREE true D1-clean-vs-D5-problem seat-agreement divergences (with 66224 and 70100): the crosswalk identity read is genuinely clean (a same-number 1:1 row, consistent with the report's by-eye p.208 reading), so this is NOT a crosswalk defect — the disease D5 found is purely payload-level, invisible to a crosswalk-only read, and the code is quarantined by the plan's preregistered divergence rule (D5 precedence on a D5-flagged problem). Verified this session, by direct read (json-dump byte-comparison) of the canonical payload: the served per_skala row is IDENTICAL to the cooperative-rating licensing block documented for 66192/66197/66224/66292/66299/66309 in this same lot (root-traced, report §6, to PP28's own 2020-vintage 66292 row, true 2025 home 66198) — topically unconnected to insurance risk assessment. Per the detach-all rule, the entire per_skala array is detached; crosswalk metadata is left UNCHANGED (nothing to correct — the crosswalk read is clean). per_skala detached; the licensing regime for insurance risk assessment is not retrievable from the pinned sources as hunted. Lot 5 conductor gate (SIGNED), run wf_0f7438f4-a41, 2026-07-19.

The detached licensing rows (source unverified for this activity)1 row

These rows were previously shown on this page and have been detached — the correction note above documents, with source locators, why their source could not be kept for the activity this page describes. They are preserved here as the audit trail of the divergence.

Mikro, Kecil, Menengah, BesarMedium-Low RiskNIB dan Sertifikat StandarAuthority: Menteri/ Kepala Badan
BPS Peraturan 7/2025 (KBLI 2025 classification)PP 28/2025 (risk-based licensing annexes)OSS RBA ruang-lingkup — no KBLI-2025 scope retrievable via the OSS API (404)

Sources & Verification

Each data layer below traces to a government source with its KBLI vintage — or is declared as a gap. Nothing in these layers is silently filled in.

Activity definition
BPS Peraturan 7/2025 + PP 28/2025VerifiedKBLI 2025

Title and scope as defined by the KBLI-2025 classification.

locator: OSS_RBA_2025_id_version_fff4053d

Risk & licensing
Detached — source could not be verifiedDeclared gap—

The previously-served rows were removed because their source could not be verified as applying to this activity. See Regulatory Divergence above for the documented correction note.

Foreign ownership (PMA)
Perpres 10/2021, 49/2021Audit pendingKBLI 2020

The investment-list annexes predate KBLI 2025; the per-code crosswalk audit of this layer is in progress. The value shown is the annex text, disclosed with its vintage.

Bali status
Bali province blocks ALL Low + Medium-Low risk KBLI for PMA (island-wide, permanent) (effective 2026-05-13)Audit pending2026 overlay

Conservative posture derived from the risk tier · confidence LOW.

Dataset last updated 2026-07-26 · KBLI 2020 and KBLI 2025 reuse code numbers for different activities — cross-vintage rows are labeled, never merged silently.

Common Questions
Can foreigners operate a insurance risk surveying business in Indonesia?
Nationally yes — but NOT in Bali. KBLI 66211 (Aktivitas Penilai Risiko Asuransi) is TERBUKA (100% foreign ownership) at the national level, but in Bali it is blocked for a PT PMA under the 13 May 2026 moratorium. [derivation under review] Nationally TERBUKA but the Besar scale is 'Menengah Rendah' -> blocked by the Bali PMA moratorium (Gov. letter B.27.000/642, 13 May 2026: all Rendah/Menengah Rendah blocked for a Bali address). [NB-3 28 June 2026] — NOTE: the licensing rows this verdict's risk tier was read from have since been set aside as unverifiable for KBLI 2025, so the verdict cannot currently be re-derived; verdict pending re-derivation from the true risk tier (GARUDA-FILIERA). Outside Bali it is open to a PT PMA with no local partner required. (Source: Perpres 10/2021 as amended by Perpres 49/2021 — the investment-list annexes predate KBLI 2025; per-code crosswalk audit in progress.)
What license is required for KBLI 66211?
We cannot yet show a verified licensing basis for KBLI 66211: the licensing previously associated with this code was removed because its source could not be verified as applying to this activity. See the Regulatory Divergence section on this page for the documented sources, and verify the current OSS treatment before relying on any licensing assumption.
What is KBLI 66211?
KBLI 66211 is the Indonesian business classification code for "Aktivitas Penilai Risiko Asuransi" (Insurance Risk Surveying). It falls under Section K of KBLI 2025, the Indonesian Standard Industrial Classification updated by BPS (Regulation 7/2025). The June 2026 KBLI 2025 transition window has closed; operators should verify the code's current OSS/NIB treatment before relying on it for licensing, reporting, or amendments.
How did KBLI 66211 change from KBLI 2020 to 2025?
KBLI 66211 was mapped from previous code 66211 (KBLI 2020). This is a direct match — the code number and scope remained the same. The June 2026 KBLI 2025 transition window has closed. If an NIB still relies on legacy KBLI 2020 mappings, treat the migration as overdue and verify/remediate the OSS record before new license applications, amendments, LKPM, import approvals, or investor/worker sponsorship.

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