{"id":9226,"date":"2025-11-27T09:40:00","date_gmt":"2025-11-27T02:40:00","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9226"},"modified":"2025-11-27T09:40:00","modified_gmt":"2025-11-27T02:40:00","slug":"5-risiko-utama-usaha-bengkel-yang-sering-terjadi-dan-cara-mengatasinya","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/5-risiko-utama-usaha-bengkel-yang-sering-terjadi-dan-cara-mengatasinya\/","title":{"rendered":"5 Major Risks in the Workshop Business That Often Occur and How to Overcome Them"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Workshop business insurance is a form of protection that is often not fully understood by business owners, even though <\/span><a href=\"https:\/\/ligaasuransi.com\/Id\/wajib-tau-risiko-bisnis-bengkel-yang-sering-terabaikan-dan-solusinya-dengan-perlindungan-asuransi\/\"><span style=\"font-weight: 400;\">workshop business risks<\/span><\/a><span style=\"font-weight: 400;\"> Risks are very high and can occur at any time. These range from fires and thefts to workplace accidents, damage to customer vehicles, and even lawsuits. These risks are not theoretical but real-life occurrences that cause billions of rupiah in losses to repair shops across Indonesia each year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As professional insurance brokers, we see that the majority of major losses in the repair shop industry could have been prevented or mitigated if business owners had the right protection. Unfortunately, many repair shops still lack insurance or purchase the wrong policies due to lack of expert guidance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To ensure your business is properly protected, <\/span><a href=\"http:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\">L&amp;G Insurance Broker<\/span><\/a><span style=\"font-weight: 400;\">, an official OJK-registered insurance broker, provides free consultation services for workshop owners.<\/span><\/p>\n<p><b>\ud83d\udcdeFree Consultation with L&amp;G Insurance Broker via:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">OF<\/span><a href=\"http:\/\/wa.me\/628118507773\"><span style=\"font-weight: 400;\">08118507773<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Email <\/span><a href=\"mailto:halo@lngrisk.co.id\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will discuss the five biggest risks that most often occur in repair shops and how to overcome them with the right insurance support.<\/span><\/p>\n<h3><b>Risk 1: Workshop Fire<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fire is <\/span><i><span style=\"font-weight: 400;\">workshop business risks <\/span><\/i><span style=\"font-weight: 400;\">The largest and most frequent fire hazards. Workshop environments are filled with fire-causing agents: oil, gasoline, thinner, spray paint, batteries, gas cylinders, and work processes such as welding or vehicle testing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even a small mistake, such as an electrical short circuit or a spark when starting a vehicle, can trigger a major fire that destroys the entire building.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The disadvantages include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">workshop building and roof<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tools and machines<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">spare parts stock<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cash<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">operational documents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">customer vehicles<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In many cases, total losses even reach billions of rupiah in a matter of minutes.<\/span><\/p>\n<h4><b>How to Cope with Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Use Property All Risk (PAR) or Industrial All Risk (IAR) to protect:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">building<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">stock<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">workshop contents<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This policy covers losses resulting from fire, explosions, short circuits, and fire-related damage. Without this policy, the workshop owner would be responsible for the losses themselves.<\/span><\/p>\n<h3><b>Risk 2: Damage to Customer Vehicles<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The repair shop is responsible for the customer&#8217;s vehicle from the moment it arrives until it leaves. Common risks include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">car or motorbike caught fire during testing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vehicle fell from lift<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the car was grazed or hit while being moved<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">incorrect installation of spare parts causes major damage<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One car unit alone can be worth hundreds of millions, especially if it is a premium car.<\/span><\/p>\n<h4><b>How to Cope with Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Use Garage Keeper Liability (GKL).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">This policy is very important because it covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">customer vehicle damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">lost vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vehicle fire during repairs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage due to mechanical negligence<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Unfortunately, many workshops don&#8217;t have GKL because they don&#8217;t know about it or haven&#8217;t been briefed by their insurance agents. Yet this risk is very common and significant.<\/span><\/p>\n<h3><b>Risk 3: Theft of Assets and Spare Parts<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The workshop has high-value assets, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">quality oil<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">in premium<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ECU<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tools mahal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">special machines<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">motorcycle and car accessories<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These types of valuable items are often targets for theft, both by outsiders and internal elements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The risk is greater if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the workshop does not have CCTV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The fence is not secure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">warehouses are not strictly controlled<\/span><\/li>\n<\/ul>\n<h4><b>How to Cope with Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Use Burglary &amp; Theft Insurance which covers losses due to theft with violence or damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want wider coverage, combine with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Money Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fidelity Guarantee (FG) for internal theft<\/span><\/li>\n<\/ul>\n<h3><b>Risk 4: Mechanical Work Accidents<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Mechanical work carries a high level of physical risk. Common risks include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Burns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">hit by a vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">exploding work tools<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">squeezedlifter<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">exposed to sparks while welding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">fall from a height<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition to the risk of injury, there are legal obligations companies have to workers.<\/span><\/p>\n<h4><b>How to Cope with Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Workshops must have:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BPJS Employment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal Accident Insurance for additional protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employer&#8217;s Liability (EL) to cover workers&#8217; legal claims<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With this policy, employers do not have to bear large medical costs or burdensome compensation.<\/span><\/p>\n<h3><b>Risk 5: Lawsuits from Customers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Customers can sue the repair shop if they feel they have been harmed, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the car was damaged after leaving the repair shop<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wrong repair results<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">service does not comply with SOP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the workshop damaged other components<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">misdiagnosis<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In some cases, customers report the repair shop legally or demand compensation, the amount of which can be very large.<\/span><\/p>\n<h4><b>How to Cope with Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Use Public Liability Insurance and Professional Liability to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">third party claims<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage to other people&#8217;s assets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">customer injury<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">damage due to technical negligence<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This policy provides peace of mind for entrepreneurs so they don&#8217;t panic when facing complaints or lawsuits.<\/span><\/p>\n<h3><b>Types of Insurance that Workshops Must Have<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To protect your business from all risks, here is the most ideal product combination:<\/span><\/p>\n<ol>\n<li><b> Property\/Industrial All Risk (PAR\/IAR)<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protect the building and workshop contents.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Garage Keeper Liability<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protecting customer vehicles.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Public Liability<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protects against third party claims.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Business Interruption Insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protects against losses due to business interruption following fire or major damage.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Burglary &amp; Theft Insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protect valuables in the workshop.<\/span><\/p>\n<ol start=\"6\">\n<li><b> Personal Accident &amp; Employer\u2019s Liability<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Protecting workers and the company&#8217;s legal liability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All these types of insurance prove vital in the repair shop business.<\/span><\/p>\n<h3><b>The Role of Official Insurance Brokers (OJK) in Protecting Workshop Businesses<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many garage owners purchase policies directly from insurance companies or agents, but don&#8217;t fully understand the policy&#8217;s terms. As a result:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">many risks are not covered<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claim rejected due to wrong policy type<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sum insured less<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">exception not read<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the policy does not meet the workshop&#8217;s needs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is where the role of an authorized insurance broker such as L&amp;G Insurance Broker becomes very important.<\/span><\/p>\n<p><b>As an OJK registered broker, L&amp;G provides:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">complete risk assessment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">policy recommendations according to workshop needs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">best premium negotiation with insurance companies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claims assistance from start to disbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">business risk education and mitigation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With a broker, workshop owners no longer buy insurance \u201cjust for the sake of it,\u201d but have protection that truly matches the risks in the field.<\/span><\/p>\n<h3><b>Cover<\/b><\/h3>\n<p><a href=\"https:\/\/ligaasuransi.com\/Id\/wajib-tau-risiko-bisnis-bengkel-yang-sering-terabaikan-dan-solusinya-dengan-perlindungan-asuransi\/\"><span style=\"font-weight: 400;\">Workshop business risks<\/span><\/a><span style=\"font-weight: 400;\"> Risks are no longer something to be taken lightly. Fire, theft, damage to customer vehicles, workplace accidents, and even lawsuits can deplete business capital or even halt operations entirely. Therefore, garage business insurance is a necessity, not an option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To ensure your workshop is properly protected, don&#8217;t purchase a policy on your own without assistance. Ensure you get the right protection through an OJK-registered insurance broker.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Protect your business, protect your employees, and protect your customers&#8217; vehicles with <\/span><a href=\"http:\/\/lngrisk.co.id\"><span style=\"font-weight: 400;\">L&amp;G Insurance Broker<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>\ud83d\udcdeFree Consultation with L&amp;G Insurance Broker via:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Whatsapp : <\/span><a href=\"http:\/\/wa.me\/628118507773\"><span style=\"font-weight: 400;\">08118507773<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Email : <\/span><a href=\"mailto:halo@lngrisk.co.id\"><span style=\"font-weight: 400;\">halo@lngrisk.co.id<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Workshop business insurance is a form of protection that is often not fully understood by business owners, even though workshop business risks Risks are very high and can occur at any time. These range from fires and thefts to workplace accidents, damage to customer vehicles, and even lawsuits. These risks are not theoretical but real-life [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":9227,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1329,37],"tags":[1469,247],"class_list":{"0":"post-9226","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-industri-otomotif","8":"category-risk-recommendation","9":"tag-asuransi-bengkel","10":"tag-asuransi-properti"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=9226"}],"version-history":[{"count":1,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9226\/revisions"}],"predecessor-version":[{"id":9228,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9226\/revisions\/9228"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9227"}],"wp:attachment":[{"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9226"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}