{"id":9232,"date":"2025-11-27T10:36:29","date_gmt":"2025-11-27T03:36:29","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9232"},"modified":"2025-11-27T10:36:29","modified_gmt":"2025-11-27T03:36:29","slug":"cara-memilih-asuransi-bengkel-yang-terpercaya","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/cara-memilih-asuransi-bengkel-yang-terpercaya\/","title":{"rendered":"How to Choose a Trusted Workshop Insurance"},"content":{"rendered":"

Auto repair shop insurance is essential protection for every car or motorcycle repair shop owner. Many repair shop owners think that major risks are “likely not going to happen,” when in reality, incidents such as fires, compressor explosions, damage to customer vehicles, and even lawsuits due to mechanical errors are all very common. This is where having the right, comprehensive, and reliable auto repair shop insurance becomes crucial.<\/span><\/p>\n

Choosing garage insurance isn’t easy. There are many insurance products on the market, but not all of them are suitable for your garage’s needs. This is where an official, OJK-registered insurance broker like <\/span>L&G Insurance Broker<\/span><\/a> is crucial. L&G helps you choose the best product, provides claims assistance, ensures the policy meets your workshop’s business risk needs, and protects you from significant losses due to poor policy selection.<\/span><\/p>\n

If you would like to discuss further about workshop insurance or are confused about determining the most ideal product, you can have a free consultation with L&G Insurance Broker via: WhatsApp <\/span>0811-850-7773<\/b><\/a> or email <\/span>halo@lngrisk.co.id<\/b><\/a>.<\/span><\/p>\n

This article will help you understand how to choose the right garage insurance, what important factors to consider, and how to ensure your garage coverage is truly safe, legal, and reliable when making a claim.<\/span><\/p>\n

Why Should Workshops Use Insurance?<\/b><\/h3>\n

The repair shop business carries a unique and high risk profile. Unlike a regular shop, a repair shop deals directly with flammable materials, machinery, heavy equipment, and customer property. This means that the potential for loss extends not only to the business owner but also to the customers who store their vehicles.<\/span><\/p>\n

Some reasons why workshops MUST have insurance:<\/span><\/p>\n

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  1. Very High Fire Risk<\/b><\/li>\n<\/ol>\n

    The use of oil, gasoline, thinner, electricity, and compressors makes workshops highly susceptible to fire. Many workshop fires are caused by short circuits or human error.<\/span><\/p>\n

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    1. Customer Vehicles Are Your Responsibility<\/b><\/li>\n<\/ol>\n

      If damage, loss, or fire occurs in a workshop, the business owner could face legal action. The costs could reach hundreds of millions of rupiah.<\/span><\/p>\n

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      1. Risk of Mechanical Error (Professional Liability)<\/b><\/li>\n<\/ol>\n

        Incorrectly installing spare parts or making workmanship errors can cause vehicle damage or cause accidents on the road.<\/span><\/p>\n

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        1. Risk of Theft and Damage<\/b><\/li>\n<\/ol>\n

          Workshops that are busy with people coming and going are very vulnerable to theft of spare parts, tools, and even customers’ motorbikes.<\/span><\/p>\n

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          1. Other Unforeseen Events<\/b><\/li>\n<\/ol>\n

            Strong winds damaging roofs, flooding, and other force majeure events can shut down operations and harm businesses.<\/span><\/p>\n

            Therefore, insurance is no longer just optional, but mandatory protection to keep your business viable, stable, and safe from major losses. With the help of a licensed broker like L&G Insurance Broker, you’ll get the right policy, rather than simply purchasing the wrong insurance product that can’t be claimed.<\/span><\/p>\n

            Types of Insurance That Are Important for Workshops<\/b><\/h3>\n

            To protect your workshop comprehensively, here are some insurances that are generally required:<\/span><\/p>\n

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            1. Property All Risks (PAR) \/ Industrial All Risks (IAR)<\/b><\/li>\n<\/ol>\n

              Protecting workshop buildings, machines, work tools, compressors, and oil stocks from the risks of:<\/span><\/p>\n