Liga Asuransi – Workplace accidents, factory fires, and transportation incidents that claimed lives, as reported above, serve as stark reminders that risk can strike at any time. These tragedies not only cause material losses but also leave deep sorrow for the victims’ families. This is where effective risk management and appropriate insurance coverage are crucial to minimize the impact of losses and ensure business continuity. As an experienced insurance broker, L&G Insurance Broker is ready to assist companies, business owners, and individuals in developing comprehensive coverage tailored to their needs.
Tragic Death: Buried Under Coal! PT Harita Group Employee Found Dead After 10 Hours Missing
Another workplace accident has claimed lives in the mining industry. This time, it happened to aIqbalLa Econ (21), an employee of PT Halmahera Jaya Feronikel—a subsidiary of PT Harita Group—which operates in Kawasi Village, Obi District, South Halmahera Regency, North Maluku.
Ikbal was found dead buried under a pile of coal on Friday, July 25, 2025, at 7:00 PM WIT, after being reported missing at 9:00 AM. His whereabouts were only revealed after CCTV footage was reviewed by a co-worker on the night shift.
Chronology of the Fatal Incident
The victim worked as a documenter of coal piles near the conveyor belt. Based on information gathered, the victim is believed to have fallen into the coal pile that morning. Unfortunately, none of the supervisors or coworkers were aware of the incident until that evening.
“Usually, Iki (the victim’s nickname) is always the first to invite us to lunch. But earlier, I didn’t see him at all,” said one of the victim’s friends.
The victim was known as a disciplined person who always arrived on time, from 7:00 a.m. to 7:00 p.m. WIT. The family mourned his loss, especially his father, La Econ, who expressed his disappointment over the negligence in work supervision.
“There were supervisors there, but why didn’t they monitor the work of their subordinates? They had to wait for the night shift to check the CCTV before they found out,” he said, sounding disappointed.
The family demands full responsibility from the company, both legally and morally, and asks for strict sanctions against negligent parties.
Conclusion
The tragic death of Iqbal La Econ should be a wake-up call for the Indonesian mining industry. Worker protection isn’t just about safety uniforms, but also about active monitoring systems, rapid response, and the implementation of comprehensive risk management standards.
Companies are required to re-evaluate their SOPs, strengthen supervisor training, and ensure financial protection for victims’ families through appropriate insurance schemes.
Insurance and Risk Management Review:
- Work Accident Insurance
The benefits provided include: Death benefits, Funeral costs, Periodic benefits to the family, Educational scholarships for children. - Liability Insurance Employer’s Liability Insurance
Bear the risk if there is a lawsuit from the victim’s family due to alleged negligence in the monitoring system.
A 15-Hour Fire Destroys PT Agro Raya Mas’ Palm Oil Mill in Medan
A massive fire engulfed a palm oil processing plant owned byPT Agro Raya Masin Medan Labuhan District onWednesday (23/7/2025) afternoon. The new fire was successfully extinguished the next day,Thursday (24/7/2025) morning at 08.00 WIB, after the fire brigade team had been struggling for more than15 hours.
According to reports fromData and Information Center of the Medan City Fire and Rescue Service (Disdamkarmat), the cause of the fire is suspected to have come from product packaging carton storage warehouse, which quickly spread the fire to other areas full of flammable materials.
Chronology of Events: Fire Spreads Near Storage Tank
The fire was reported to have occurred at around 4:00 PM WIBin the cooking oil factory area that processes CPO (crude palm oil)The cardboard warehouse was the starting point of the fire, which then spread throughout the factory and threatened the storage tanks.
More than 10 firefighters were deployed from various Disdamkarmat (Fire and Rescue Department) technical units. Although initially overwhelmed, the fire was finally brought under control by morning.
“It’s been extinguished. But we’re still carrying out a thorough cooling process at the site,” a member of the Medan Fire and Rescue Agency’s Data and Information Center (Pusdatin) told Bisnis.
There were no fatalities, but two officers were injured.
Although there were no fatalities from this fire, two members of the firefighting team suffered serious burns, slipped and fell into a ditch filled with hot oil, causing blistered skin.
“Two members of our team were injured. They slipped and were scalded by hot oil during the firefighting process,” said the officer.
Until now the total is not known, area burned and estimated loss, because the official investigation process will only be carried out after the entire cooling process is complete.
Conclusion
The fire at the PT Agro Raya Mas factory demonstrated the high level of vulnerability of industrial facilities storing flammable materials, such as cardboard, crude palm oil, and packaging. Fortunately, a major explosion was avoided, although the blaze burned for more than 15 hours and nearly spread to the fuel storage tanks.
Insurance and Risk Management Review:
- Insurance Property All Risks
Covers damage to buildings, machinery, equipment and raw materials due to fire. - Business Interruption Insurance
Provide financial compensation for lost income due to the cessation of factory operations during the post-fire recovery period. - Public Liability Insurance
Protects the company from external claims if the fire causes damage to the public, surrounding property, or the environment.
A fire destroyed a spare parts warehouse, causing losses of up to Rp 1 billion, suspected to be caused by an electrical short circuit.
A major fire engulfed the motorcycle parts warehouse belonging to Sapanalias Hero, shop ownerHERO JAYA MOTOR, in Pernek Hamlet, Apitaik Village, Pringgabaya District, on Monday (July 28, 2025) at around 5:00 p.m. WITA. This incident caused material losses estimated at Rp1 billion.
According to information from the Head of Public Relations of the East Lombok Police, AKPNikolasOsman said the fire was first spotted in the tire storage area. The store had just closed at the time.
Chronology of Events: Fire Emerged from Tire Storage Warehouse
The fire was first noticed by an employee who notifiedSapwanAfter seeing smoke coming from the warehouse, the owner attempted to extinguish the fire using whatever tools were available, but the flames quickly spread due to the warehouse containing a large amount of flammable materials, such as tires and oil.
“The victim then checked the warehouse and tried to extinguish the fire with whatever tools he had. However, the fire quickly grew,” said AKP.NikolasOsman.
Sapwan managed to save his 7 year old child who was sleeping in the room, as well as a car from the fire area.
Extinguishing Process and Losses
At around 5:10 PM WITA, three fire trucks from Pringgabaya District arrived at the scene. The fire was brought under control around 6:00 PM WITA, and cooling operations continued.
There were no fatalities in this incident, but material losses were significant. Among the items destroyed by the fire were:
- Spare parts shop building with spandex roof
- Various spare parts for two-wheeled vehicles
- 2 motorbikes (Suzuki Thunder & Yamaha Mio)
- 1 unit AC
The results of the preliminary crime scene processing (TKP) state that electrical short circuit in the warehouse as the cause of the fire.
Source : https://www.selaparangnews.com/2025/07/gudang-bengkel-motor-di-apitaik.html
Conclusion
The HERO JAYA MOTOR auto parts store fire highlights the importance of insurance protection for businesses, especially in sectors with a high risk of fire. Losses of Rp1 billion could have been mitigated or even recovered with an active insurance policy.
This incident also serves as a momentum to increase awareness of electrical safety and fire risk management for all business owners, small and large.
Insurance and Risk Management Review:
- Insurance Property All Risks
Covers damage to buildings, machinery, equipment and raw materials due to fire. - Vehicle Insurance
2 motorbikes and 1 car that nearly caught fire could be covered if you have comprehensive vehicle insurance. - Business Interruption Insurance
Protects the company from external claims if the fire causes damage to the public, surrounding property, or the environment.
600 Stalls Destroyed in Taman Puring Market Fire! Losses Estimated at Rp 30 Billion
A massive fire engulfed Taman Puring Market on Jalan Kyai Maja, Kramat Pela Village, Kebayoran Baru District, on Monday evening (July 28, 2025). It reportedly destroyed 600 stalls, with total losses estimated at Rp 30 billion.
According to information from the South Jakarta Fire and Rescue Sub-Department (Gulkarmat) Sub-Command Center, the fire occurred at around 18.00 WIB and was only successfully extinguished after 7 hours of operation, until 01.30 in the morning (29/7).
Chronology of Events: Fire Extinguisher Unable to Contain the Enormous Fire
The chronology began when Zein, a market security officer, saw a fire burning in one of the stalls and immediately shouted “fire!” Smoke was seen billowing from Block E and Block D. The market security team tried to extinguish the fire using a light fire extinguisher (APAR), but failed because the flames had already grown large.
“After the APAR attempt failed, the security officers reported the matter to the sub-district and police station to be forwarded to the fire department,” explained Gulkarmat South Jakarta.
Massive Firefighting Operation: 35 Fire Trucks and 118 Personnel Deployed
Firefighters arrived at the scene at 6:10 PM WIB and immediately began extinguishing the fire to prevent it from spreading to other areas. The fire was brought under control around 7:53 PM WIB, and cooling efforts continued until 1:30 AM WIB.
“The burned area is approximately 1,500 square meters. No casualties were reported,” said a Gulkarmat officer.
A total of 35 fire engines and 118 personnel were deployed to tackle the massive blaze. The cause is suspected to be an electrical short circuit in one of the kiosks.
Conclusion
The massive fire that destroyed Taman Puring Market was not only a tragedy for the 600 vendors who lost their livelihoods, but also a stark reminder that insurance protection and risk preparedness are urgent needs, not optional.
Insurance and Risk Management Review:
- Fire Insurance for Shops or Market Stalls
Protects kiosk owners from losses due to fire, covers buildings, kiosk contents (stock of goods), and even trading equipment. - Micro Business Insurance (MSME Insurance)
Provides simple but adequate protection for small kiosk owners. - Market Property Insurance
Market buildings managed by the local government or regional government-owned enterprises should be insured as a regional asset.
A pile-up involving 15 vehicles in Pulomas leaves one person injured.
One person was injured in a pile-up involving 15 vehicles at the Pulomas traffic lights in Pulogadung District, East Jakarta, on Friday morning (July 25, 2025). The incident occurred during heavy traffic ahead of the morning rush hour.
Pulogadung Police Traffic Accident Unit Head, AKP Gede Oka, said the accident involved a container truck, nine cars, and five motorcycles. “One person was injured and has been taken to Cempaka Putih Hospital and is currently receiving medical treatment,” Gede explained when contacted.
According to preliminary reports, the accident is suspected to have been caused by brake failure on a container truck as it attempted to stop at a traffic light. Due to the loss of braking power, the truck driver swerved to the right, hitting several vehicles stopped at the red light heading towards Senen, Central Jakarta.
The situation escalated as residents at the scene became emotional. The truck driver was apprehended and taken to the East Jakarta Regional Police for further questioning. “The truck driver has been apprehended and taken to the East Jakarta Regional Police,” Gede added.
Meanwhile, the vehicles involved in the collision have been secured by officers. However, the type of cargo the container truck was carrying is currently unknown. Police are still investigating to determine the exact chronology and technical cause of the accident.
This incident highlights the importance of regular checks on vehicle condition, especially the braking system on heavy vehicles, to avoid the risk of accidents at points prone to heavy traffic.
Insurance and Risk Management Review:
- Vehicle Insurance
Covers physical damage to the vehicle, both Total Loss Only (TLO) and All Risk/Comprehensive according to the policy. - Cargo Insurance
Covers loss or damage to goods during transportation, including due to traffic accidents. - Personal Accident Insurance
Covers the costs of medical treatment, hospitalization, or permanent disability. - Liability Insurance
Covers the costs of compensation for vehicles and injuries to third parties due to the negligence of the insured driver.
Deadly Tragedy on Indian Roads! Pilgrim Bus Collides with Gas Truck, 18 Burn to Death
A tragic traffic accident has rocked India again. At least 18 people were killed and dozens more injured when a bus carrying Hindu pilgrims collided with a truck carrying gas cylinders on Tuesday (July 29, 2025) in the Deoghar region of Jharkhand.
The ill-fated bus was carrying Hindu devotees on their way to a temple to celebrate the holy month of Shravan, an important religious occasion that coincides with the monsoon season. They were reportedly carrying holy water from the Ganges River as part of an offering to Lord Shiva, the Hindu god of destruction.
Bus Burns After Collision
Images from the scene show the mangled and charred wreckage of the bus, with the rear of the vehicle almost completely engulfed in flames. The massive fire is believed to have been caused by a gas cylinder exploding from the truck involved in the collision.
Local MP Nishikant Dubey confirmed the death toll and expressed his condolences on social media. Meanwhile, Prime Minister Narendra Modi also expressed his condolences, calling the accident “extremely tragic.”
Horrifying Facts About Accidents in India
According to official data, India recorded over 172,000 deaths due to road accidents in 2023, making it one of the countries with the highest accident rates in the world. The main contributing factors include:
- Over Capacity of Public Vehicles
- Driver fatigue
- Narrow and slippery paths during the rainy season
- Lack of vehicle safety controls
- Negligent driver
Insurance and Risk Management Review:
- Passenger Life and Personal Accident Insurance
Pilgrims who become victims may be covered by passenger accident insurance, especially if their travel tickets automatically include coverage. - Vehicle Insurance
Buses and trucks should have insurance that covers: Third party liability, Physical damage to the vehicle, Passenger medical expenses - Liability Insurance
If there is proven negligence on the part of the driver or transportation company, liability insurance can cover legal claims from the victim’s family.
Umrah Group Bus Crashes in Musi Banyuasin, Killing 4 and Injuring 10
A tragic accident befell a group of prospective Umrah pilgrims from Jambi in Musi Banyuasin Regency, South Sumatra. A bus carrying dozens of pilgrims was involved in a single-vehicle accident on the Palembang-Jambi Highway, KM 142, in Peninggalan Village, Tungkal Jaya District, on Monday evening (July 28, 2025) at around 7:30 p.m. WIB.
Tungkal Jaya Police Chief, First Inspector Imamsyah, confirmed the tragic incident. “Yes, that’s right, sir. Last night’s incident resulted in four deaths and around 10 injuries,” Imam told reporters.detikSumbagsel, Tuesday (29/7).
Chronology of the Accident
The Qitarabu bus, with license plate number D-7644-YU, was driven by Hendra and was traveling from Jambi to Palembang. However, while crossing an incline and turning left at KM 142, the driver allegedly lost control of the vehicle.
“The driver was unable to control his vehicle on a curved incline. As a result, the vehicle was involved in a single-vehicle accident,” said Imamsyah.
A joint team immediately evacuated the victims and vehicles from the scene. Four pilgrims were pronounced dead, while ten others sustained injuries and were taken to a nearby hospital for treatment.
Meanwhile, the bus has been secured at the Musi Banyuasin Police Station for further investigation by the Muba Police Traffic Unit.
“Currently, the traffic situation at the scene of the incident has returned to normal,” added Imamsyah.
Source : https://www.detik.com/sumut/berita/d-8034391/bus-bawa-jemaah-umrah-kecelakaan-di-muba-4-orang-tewas
Conclusion
The Musi Banyuasin tragedy serves as a valuable lesson for all parties involved in organizing Umrah and religious tourism. Protecting the lives and safety of passengers is non-negotiable and can only be achieved through rigorous risk management and adequate insurance coverage.
Insurance and Risk Management Review:
- Travel Insurance
Insurance policies should cover: Accidental death benefits, Medical treatment costs, Emergency evacuation, Protection against travel delays or disruptions - Vehicle Insurance
Required by bus companies. Covers vehicle damage, including: Collision, rollover, or fire. - Public Liability Insurance
Provides legal and financial protection in the event of a claim from the victim’s family due to injury or death of a passenger during the trip. - Insurance Cargo
Compensation for loss or damage to passenger luggage due to accidents. - Health Insurance
For those with private insurance, inpatient or ICU benefits can also be claimed.
Don’t wait until disaster strikes to realize the importance of insurance protection. Entrust your insurance program development and risk management toL&G Insurance Broker, a trusted partner with decades of experience in the industry.
📞 Contact our Customer Support now on WhatsApp: 0811-8507-773to get a FREE consultation and recommendations for the right protection for your business and family.
