A Abstract(a) adjis (010002102001)(b) insurance subrogation in counter bank guarantees against breach of contract by pt spartan eragon asia(c) 79 pages, 2026.(d) keywords: insurance law; subrogation; counter bank guarantee; breach of contract(e)insurance, particularly through counter bank guarantee products, plays an important role in providing legal certainty against the risk of breach of contract in business contractual relationships. the payment of claims under a counter bank guarantee gives rise to legal consequences in the form of subrogation rights for the guarantor insurance company to recover its payment from the party in breach. however, in practice, the exercise of subrogation rights often encounters legal obstacles. this research examines insurance subrogation arising from the payment of counter bank guarantee claims by pt asuransi kredit indonesia (pt askrindo) due to the breach of contract committed by pt spartan eragon asia (pt sea) in a service procurement agreement with pt pertamina (persero). this study employs a normative juridical method with a descriptive-analytical nature. the data used consist of secondary data obtained through library research, comprising primary and secondary legal materials. data analysis is conducted qualitatively using statutory, conceptual, and case approaches. conclusions are drawn deductively. the results of the study indicate that pt askrindo has a strong legal basis to exercise its subrogation rights based on the provisions of the civil code, the commercial code, the insurance law, the guarantee law, and regulations issued by the financial services authority. nevertheless, in practice, the implementation of subrogation rights remains constrained by the debtor’s financial capacity and weaknesses in contractual clauses, thereby necessitating stronger regulation and greater legal certainty.(f) 24 books (1984–2021), 15 statutes and regulations (1992–2017), 19 journals, and 12 articles.(g) dr. novina sri indiraharti, s.h., m.hum. (    )(h) adjis           (    )