{"id":8544,"date":"2025-10-15T10:35:33","date_gmt":"2025-10-15T03:35:33","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8544"},"modified":"2025-10-15T10:44:19","modified_gmt":"2025-10-15T03:44:19","slug":"kenapa-setiap-kontraktor-wajib-punya-asuransi-cpm-ini-faktanya-di-lapangan","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/kenapa-setiap-kontraktor-wajib-punya-asuransi-cpm-ini-faktanya-di-lapangan\/","title":{"rendered":"Why Every Contractor Must Have CPM Insurance? Here Are the Facts on the Ground"},"content":{"rendered":"

Imagine this: a project is underway, the weather is sunny, and heavy equipment is working nonstop. But suddenly, heavy rain falls, the ground becomes unstable, and a Rp 2 billion excavator is hit by a landslide. The project is immediately halted, repair costs skyrocket, and the client is under pressure to complete the work on time.<\/span><\/p>\n

This situation isn’t a fictional story. Nearly every contractor in Indonesia has faced significant losses due to heavy equipment failure in the field, whether due to accidents, extreme weather, or human error.<\/span><\/p>\n

This is why <\/span>Asuransi Contractor\u2019s Plant and Machinery (CPM)<\/span><\/a>, or often called CPM heavy equipment insurance, is a must-have for every contractor who is serious about maintaining the continuity of their business.<\/span><\/p>\n

This insurance serves as a financial shield, protecting all project equipment and machinery from sudden damage or accidents while operating in the field. And the good news is, you don’t have to worry about choosing a policy or handling claims yourself\u2014that’s where L&G Insurance Broker comes in.<\/span><\/p>\n

As an insurance broker with over 40 years of experience, L&G Insurance Broker has been trusted by hundreds of construction companies and contractors throughout Indonesia to secure the best protection for their heavy equipment. We are not just an intermediary, but…<\/span>risk partners who<\/span><\/i> are ready to help starting from needs analysis, negotiating the best premiums, to claims assistance so that payments run smoothly.<\/span><\/p>\n

Want to know what the best premium is for your heavy equipment?<\/span>
\n<\/span>Get in touch <\/span>L&G Insurance Broker<\/span><\/a> now for a free consultation via WhatsApp at <\/span>0811-850-7773<\/span><\/a>.<\/span><\/p>\n

What is CPM (Contractor’s Plant and Machinery) Insurance?<\/b><\/h3>\n

Simply put, CPM heavy equipment insurance is a type of insurance that provides protection against physical damage or loss of heavy equipment used in construction projects. This heavy equipment can include excavators, bulldozers, cranes, loaders, rollers, compactors, and other machines that are the backbone of any construction project.<\/span><\/p>\n

Different from project insurance such as<\/span>Contractor\u2019s All Risk (CAR)<\/span><\/i> or <\/span>Erection All Risk (EAR)<\/span><\/i>, CPM insurance focuses on protecting the heavy equipment itself, not on the structure or project work.<\/span><\/p>\n

Examples of covered risks include:<\/span><\/p>\n