The past week’s numerous accidents and fires have once again drawn public attention and served as a reminder of the importance of risk management and insurance protection. From the multiple accidents on the Cipularang Toll Road, the cigarette warehouse fire in Pamekasan, and the passenger ship incident in North Kalimantan, each incident resulted in losses that were not only material but also had a far-reaching impact on business continuity and public safety. In the business world, any risk that is not properly anticipated can lead to significant losses. Therefore, companies need to increasingly prioritize risk management strategies and insurance protection as an integral part of business continuity.
Horrific Collision on the Cipularang Toll Road! Two Buses and a Jasa Marga Tow Truck Involved
A pile-up involving two buses and a Jasa Marga tow truck occurred at kilometer 99 of the Cipularang Toll Road in West Java on Sunday afternoon (September 21, 2025). The tow truck driver suffered serious injuries, while four passengers on the tour bus were rushed to a hospital in Padalarang.
The incident involved a Primajasa bus with license plate number B 7075 PW, a tour bus with license plate number B 7076 SGA, and a Jasa Marga tow truck with license plate number D 8534 QF. The tour bus was carrying a group of women on a pilgrimage to Bandung.
Chronology of the Accident
The accident began as a tour bus was traveling from Jakarta to Bandung at approximately 80 km/h. At the same time, a Primajasa bus coming from the opposite direction (Bandung-Jakarta) was unable to brake when a tow truck attempted to turn around at KM 99.
The Primajasa bus struck the crane from behind, pushing the vehicle into the Bandung-bound lane. As a result, the crane, which had lost control, collided directly with a tour bus traveling from Jakarta.
“The Primajasa bus driver failed to anticipate the situation and hit the tow truck. The tow truck then slid onto the Bandung lane and collided with the tour bus,” explained Ginanjar, the tour bus driver.
Victims & Handling
Fortunately, there were no fatalities in the incident. However, the Jasa Marga tow truck driver suffered serious injuries, while four passengers on the tour bus suffered minor injuries. All victims were evacuated to Padalarang Hospital in West Bandung for treatment.
Insurance and Risk Management Review:
A series of accidents like this underscores the importance of financial protection. Some relevant insurance products include:
- Vehicle Insurance
Protects bus fleets and tow trucks from accident damage. - Third Party Liability Insurance
Provides protection if an accident causes loss to another party. - Personal Accident Insurance
It is very important for bus operators to ensure the financial safety of passengers in the event of an incident.
Tragic! Surabaya Water Pipeline Project Worker Dies, Re-Improving Occupational Safety and Health (K3)
An unfortunate incident befell Sutrisno, a water channel project worker in the West Gayungsari area, Gayungan, on September 16, 2025. This accident has once again opened the public’s eyes to the importance of implementing Occupational Safety and Health (K3) in every construction project.
According to Widodo, a former K3 officer on the Suramadu Bridge project, this case should be a valuable lesson.
“Worker safety must be a top priority. Unfortunately, many still believe that implementing K3 will waste money and slow down project progress,” he explained on Tuesday (September 23, 2025).
While implementing strict OHS standards does require additional costs and longer processing times, compared to the risk of workplace accidents that can result in significant losses—both material and human life—the investment in OHS is far less costly.
Insurance and Risk Management Review:
To prevent major losses due to work accidents such as this case, construction companies should prepare the following protection:
- Work Accident Insurance
Provides compensation if workers are injured, disabled, or die while working. - Public Liability Insurance
Protecting the company from lawsuits due to accidents that befall third parties in the project area. - Project/Construction Insurance (Contractor’s All Risk)
Guarantee the entire project from the risk of physical damage or accidents that occur during the work.
A Wings Box Truck Crashes into a Vehicle and a House in Pasuruan, Killing the Driver
A fatal accident occurred on the Surabaya-Malang Highway, precisely in Purwosari Village, Purwosari District, Pasuruan Regency, on Monday (22/9/2025).
A wing box trailer truck with license plate number N 9458 UG, carrying paper rolls, was traveling from Malang to Surabaya. While traveling downhill, the truck allegedly suffered a tire blowout, causing the driver to lose control.
As a result, the truckcrashTwo parked vehicles, a residential terrace, and several electricity poles were involved. The incident resulted in the truck driver, Komaru Sabar, dying at the scene after being trapped under the truck’s hull.
Additionally, a pickup truck carrying cooking oil was hit, spilling its cargo onto the road. A Suzuki Ertiga was also grazed from behind. The pickup driver, Makruf, suffered minor injuries and is receiving treatment at the Purwosari Community Health Center.
Police who arrived at the location immediately evacuated the victims and normalized traffic flow using a contra flow system and diverted four-wheeled vehicles to the Purwodadi Toll Road to reduce congestion.
Insurance and Risk Management Review:
This case highlights the importance of protection for drivers, transportation companies, and property owners. Relevant types of insurance include:
- Vehicle Insurance
Covers damage to trucks and other vehicles involved in accidents. - Third Party Liability Insurance
Covering compensation for damage to homes and vehicles of residents who are victims of collisions. - Work Accident Insurance
Protect truck drivers and crew from the risk of accidents while on duty.
Manohara Borobudur Hotel Engulfed in Fire, Suspected Electrical Short Circuit
An early morning fire engulfed the Borobudur Cultural Center (BCC), also known as the Manohara Hotel, in the Borobudur Temple complex in Magelang Regency, on Saturday (September 20, 2025). Preliminary suspicions suggest the blaze was caused by an electrical short circuit.
Head of the Magelang Regency Fire Department, EdyPriyanta, said his team received a report of the fire at 12:30 a.m. WIB. Eleven fire trucks were deployed from various nearby posts due to the location’s proximity to headquarters.
The building’s largely wooden construction caused the fire to spread quickly. However, within about 30 minutes, the blaze was contained and then cooled down.
The fire affected one of the buildings used as a meeting room. The Director of Borobudur Tourism Park (TWB), Mardijono Nugroho, confirmed that the incident was handled well and resulted in no casualties. However, details of the losses and the details of the burned buildings are still being compiled.
Insurance and Risk Management Review:
This fire is an important reminder for hotel business owners to have financial protection. Some relevant insurance options include:
- Property Insurance
Protecting historic buildings, hotels and supporting facilities from the risk of fire and electrical short circuits. - Business Interruption Insurance
Compensate for financial losses due to the cessation of hotel/event space operations after a fire. - Public Liability Insurance
Protects the manager if a fire incident results in a claim from a guest or third party.
PT SHM Jaya’s cigarette warehouse was completely destroyed by fire, causing losses of Rp 35 billion.
A cigarette warehouse belonging to PT SHM Jaya, located in Blumbungan Village, Larangan District, Pamekasan Regency, East Java, was engulfed in flames on Thursday night (September 18, 2025). The fire was reported at around 8:15 PM WIB, and two fire trucks arrived at the scene 10 minutes later. However, the flames had already spread, destroying the warehouse’s contents.
Of the four cigarette production machines, three suffered minor damage, while one was severely damaged. Raw materials, including tobacco, and other items in the warehouse could not be salvaged.
Herwanto, Head of the Pamekasan Public Order Agency (Satpol PP) and Fire Department Fire Department Fire Department Firefighters, explained that the fire was suspected to have been triggered by an electrical short circuit, which then spread through the wiring and ignited production machinery. The roof and walls of the warehouse were also burned.
After nearly 3.5 hours of fighting, the fire was finally extinguished at around 11:50 PM WIB. Based on a preliminary investigation with the police, the estimated damage from the fire reached Rp 35 billion.
Insurance and Risk Management Review:
This incident reiterates the importance of insurance protection. Some relevant types of insurance include:
- Property Insurance
Protect buildings, production machines, and stock of goods (tobacco, cigarettes, raw materials) from the risk of fire and electrical short circuits. - Machinery Breakdown Insurance
Provides special protection against engine damage due to fire, short circuits, or operational accidents. - Business Interruption Insurance
Cover potential losses due to the cessation of cigarette production after a fire. - Legal Liability Insurance (Public Liability Insurance)
Protects if the fire impacts third parties, such as the surrounding environment or suppliers.
A passenger ship in North Kalimantan leaks after colliding with driftwood.
A sea accident befell the Malinau Express 6 passenger ship which was sailing from Malinau Regency to Tarakan City, North Kalimantan, on Monday (22/9/2025) afternoon.
The ship, carrying 35 passengers, sank after its hull leaked, allegedly after hitting a drifting log in the Sesayap River. According to reports, the ship hit the log twice before developing a serious leak and began taking on water, causing panic among passengers.
The Head of the North Kalimantan Transportation Agency, Idham Chalid, confirmed the incident. Fortunately, all passengers were rescued by another passing ship, resulting in no casualties.
“Thank God, all the passengers are safe,” said Idham with relief.
Following the incident, the North Kalimantan Transportation Agency urged all ship operators to tighten safety standards, particularly ensuring the availability of life jackets according to the number of passengers.
This incident adds to a growing list of water transportation accidents in North Kalimantan, which still relies heavily on river routes. Natural factors such as drifting logs and strong currents often pose challenges for skippers.
The wreck of the Malinau Express 6 remains at the site, awaiting recovery. Authorities will conduct an investigation to determine the exact cause and to tighten maritime safety standards.
Source: https://beritaborneo.com/main/tabrak-batang-kayu-malinau-express-6-tenggelam-di-tana-tidung/
Insurance and Risk Management Review:
To prevent similar incidents from causing major losses, operators and passengers should be protected by:
- Ship Insurance (Marine Hull Insurance)
Protects ships from physical damage due to sinking, collisions, fires and leaks. - Marine Cargo Insurance
Protecting goods or cargo carried on ships. - Asuransi P&I (Protection and Indemnity)
Cover legal claims from third parties, for example passengers or owners of goods. - Personal Accident Insurance
Provides compensation in the event of a maritime accident that results in injury or death.
A carpet warehouse in Tanjung Priok was destroyed by fire, causing losses of Rp2.5 billion.
A massive fire engulfed a carpet warehouse belonging to PT Ideal Carpet Indonesia on Jalan Agung Karya 5, Papanggo Subdistrict, Tanjung Priok, North Jakarta, on Tuesday morning (September 23, 2025). The fire started at around 6:20 a.m. WIB and was fully extinguished by 10:00 a.m. WIB.
The disaster caused material losses estimated at Rp 2.5 billion. Gatot Sulaeman, Head of Operations for the North Jakarta Fire and Rescue Sub-dept., explained that the fire is suspected to have been caused by an electrical short circuit. According to security personnel, sparks were seen in the electrical circuit breakers, which then ignited flammable materials, causing the fire to spread rapidly.
To tame the fire, the Gulkarmat Sub-dept. deployed 19 fire trucks and 106 personnel. Thanks to the hard work of the officers, the blaze was finally brought under control after nearly four hours of extinguishing efforts.
Insurance and Risk Management Review:
This carpet warehouse fire serves as a reminder of the importance of financial protection through insurance. Some relevant types of insurance include:
- Property Insurance
Protect buildings, warehouse contents, and stock from the risk of fire, electrical short circuits, or other disasters. - Stock Insurance
Guarantees losses on raw materials and finished goods stored in the warehouse. - Business Interruption Insurance
Covers losses due to the cessation of business activities during the recovery period after a fire. - Legal Liability Insurance (Public Liability Insurance)
Provides protection if the fire impacts third parties around the location.
Given the high frequency of incidents, from transportation and construction to hospitality and manufacturing, it’s clear that every industry faces complex risks. Insurance protection is no longer simply an option but a strategic necessity to maintain business continuity and provide a sense of security for stakeholders. With the support of the right partners, such as L&G Insurance Broker, companies can obtain comprehensive protection solutions tailored to their risk profile. Through the right approach, losses from incidents can be minimized while ensuring business continuity amidst uncertainty.
