Liga Asuransi – Several accidents and fires have rocked several regions in Indonesia in recent days. From the sinking of a coal tanker in the Barito River to the destruction of warehouses and factories, these incidents highlight the significant risks lurking in business activities and daily operations. Beyond causing significant loss of life and material losses, these incidents also serve as a reminder of the importance of having the right insurance coverage—for individuals, businesses, and companies operating in the transportation, logistics, and industrial sectors.
A truck plunged off the Tangerang-Merak toll road, colliding with a pickup truck and a motorcycle.
A horrific accident occurred on the Tangerang-Merak toll road, specifically in Serang City, on Saturday afternoon (October 4, 2025). A truck traveling from Merak to Tangerang suddenly lost control at kilometer mark 73, hitting a road divider and plunging into the arterial road below.
The white truck then struck a pickup truck, a motorcycle, and a parking attendant on Jalan Kaligandu in Serang City. The impact of the collision left five people seriously injured.
“The vehicle was speeding out of control, hitting the toll barrier, and then falling onto the arterial road. The truck hit a Suzuki Carry pickup driven by M with a passenger, S, a Yamaha N-Max motorcycle driven by DR with a passenger, VD, and a parking attendant named S M who was on duty at the location,” explained Head of the Traffic Law Enforcement Unit of the Serang City Police, Ipda Dedi Yuanto.
All injured victims were immediately evacuated to Sari Asih Hospital in Serang for intensive care. The vehicle involved in the incident sustained severe damage.
Police officers have also secured the truck driver with the initials AA for further investigation.
Required Insurance Recommendations
Major accidents like these can result in physical and material losses, and even potential legal action. Insurance coverage is crucial for truck operators, fleet owners, and the surrounding community.
Here are some suitable insurance recommendations:
- Motor Vehicle Insurance (Comprehensive/All Risk)
Protects vehicles from damage caused by accidents, rollovers, collisions, and falls. Suitable for commercial vehicles such as trucks, pickups, and motorcycles. - Personal Accident Insurance
Provides compensation to drivers, passengers, or third parties (such as parking attendants) who are injured, disabled, or die as a result of an accident. - Third Party Liability Insurance (TPL)
Covers compensation costs if the insured vehicle causes damage or injury to another party. In this case, the truck owner can be protected from legal action. - Marine Cargo Insurance – Land Transit
Protects cargo in trucks from damage or loss due to accidents during transit.
Electrical Short Circuit Causes Panic! Car Accessories Warehouse in Kapuk Burns Down
A massive fire engulfed an auto accessories warehouse on Jalan Kapuk Kamal Raya, Kapuk, West Jakarta, on Thursday afternoon (October 2, 2025). Monitoring at the scene at around 5:20 p.m. WIB (Western Indonesian Time), the warehouse’s zinc roof was seen collapsing and charred, while accessory storage racks were crushed by falling debris.
West Jakarta Fire and Rescue Agency personnel are still struggling to extinguish the fire by extending water hoses into the building. Thick black smoke billows high, covering almost the entire front of the warehouse, while the previously white walls have now turned black with soot.
Firefighters had difficulty penetrating the smoke in the front hallway of the warehouse, so they used water from a nearby river to expedite the extinguishing process. Several workers attempted to salvage items such as car seats, carpets, and other accessories, but most of the items inside the warehouse were beyond recovery.
Around 20 workers were inside the building when the incident occurred. They immediately rushed outside when they saw sparks emerging from the electrical panel after the power suddenly went out. “Initially, the power went out, then sparks came from the outlets, which immediately caught the car seat materials,” said Daluri, the warehouse foreman.
A total of 17 fire trucks and 74 personnel were deployed to the scene. The fire was successfully contained around 5:30 p.m. WIB, but thick smoke still billowed, prompting officers to continue cooling the area until the situation was completely safe. Preliminary suspicions are that an electrical short circuit was the primary cause of the fire, which resulted in significant losses for the business owner.
Required Insurance Recommendations
To prevent major losses such as the case above, warehouse owners and automotive businesses should have the following insurance coverage:
- Commercial Property Insurance (Property All Risk / Industrial All Risk Insurance)
Protect all physical assets such as warehouse buildings, machines, stock, and work equipment from the risk of fire, explosion, short circuit, and other disasters. - Fire Insurance
Basic protection that covers losses due to fire, lightning strikes, explosions, aircraft crashes, and smoke (FLEXAS). - Public Liability Insurance
Provide compensation if the fire from the warehouse spreads and damages buildings belonging to other parties or causes injury to people around the location. - Business Interruption Insurance
bear loss of income during a temporary business shutdowndue to fire or warehouse damage, so that the business can survive.
A Tobacco Warehouse Owned by a Village Official in Madura Burns to the Ground in a Fierce Fire
A massive fire engulfed a tobacco warehouse belonging to the Head of Sukolelah Village, Kadur District, Pamekasan Regency, on Friday morning (October 3, 2025). Several amateur videos circulating on social media show a large blaze engulfing the warehouse, while residents attempted to extinguish the blaze manually with simple equipment.
These efforts were unsuccessful because the materials inside the warehouse were highly flammable, causing the fire to spread quickly and become difficult to control. In the video, residents can be heard saying that the warehouse belonging to the Sukole Village Head was also on fire.
According to a report from the Pamekasan Regional Disaster Management Agency (BPBD), the fire broke out around 6:00 a.m. Western Indonesian Time (WIB), but the official report wasn’t received until around 8:40 a.m. Western Indonesian Time (WIB). “We only received the report around 8:00 a.m., but we immediately dispatched a team to the location with the fire department to assess the situation,” said Acting Head of the Pamekasan BPBD, Akhmad Dofir Rosidi.
The exact cause of the fire is still under investigation, and the extent of the damage has not yet been determined. Authorities are still collecting further data on the burned assets and the potential economic impact on the warehouse owner.
Required Insurance Recommendations
To prevent incidents like this from causing major losses, owners of agricultural product warehouses such as tobacco should have the following insurance protection:
- Fire Insurance
Protect buildings, warehouse contents, and tobacco stocks from the risk of fire, explosion, lightning strikes, and smoke damage. - Commercial Property Insurance (Property All Risk / Industrial All Risk Insurance)
Provides broader protection, including fire, electrical short circuits, and damage due to natural disasters or human negligence. - Agricultural Insurance
Covers losses due to fire, crop failure, or damage to agricultural products stored in the warehouse. - Business Interruption Insurance
Compensate for lost income due to temporary cessation of business activities after a fire, so that the owner still has reserve funds for operations.
Six Vehicles Collide in a Pile-Up on the Pamuyuran Hill in Sukabumi, Bogor
A series of accidents occurred on the Sukabumi–Bogor Highway, precisely on the Pamuyuran bend in the hill, Cibadak District, Sukabumi Regency, West Java, on Tuesday (7/10/2025) morning.
This incident involved six vehicles and caused total traffic congestion in the area.
Based on field observations, the incident began when a trailer truck carrying crane wheels was traveling from Bogor towards Sukabumi. While navigating the steep Pamuyuran incline, the truck allegedly lost control, colliding with several vehicles in front of it and also with oncoming vehicles.
“Around 9:45 a.m. WIB, we heard a loud crash. Nearby drivers immediately panicked and tried to avoid it,” said a local resident.
The six vehicles involved included a trailer truck carrying crane wheels, two minibuses, one public transportation vehicle (public minivan), one box truck, and one wing box truck. The evacuation process was carried out by joint officers and lasted until noon.
As a result of this accident, traffic flow from Sukabumi to Bogor and vice versa experienced long traffic jams, while officers were still trying to evacuate the wreckage of the vehicle to reopen road access.
Required Insurance Recommendations
To prevent major losses due to similar incidents, private vehicle owners and logistics companies should have the following protection:
- Motor Vehicle Insurance (Comprehensive/All Risk Insurance)
Covers vehicle repair costs due to collisions, rollovers, impacts, or total loss.
Suitable for private vehicles and company fleets such as trucks, public transportation, and minibuses. - Marine Cargo Insurance – Land Transit
Provides compensation for damage or loss of goods being transported using land vehicles (such as box trucks or trailers). - Personal Accident Insurance
Protects drivers and passengers from the risk of injury, disability or death due to traffic accidents. - Third Party Liability Insurance
Covers losses suffered by other parties due to accidents caused by the insured vehicle (for example, another vehicle being hit).
Fire in East Jakarta Causes Uproar! Coffee Factory Near Pondok Jati Station Destroyed
A major fire broke out at a coffee factory located on Jalan Gang Bunga Belakang I, Palmeriam Subdistrict, Matraman District, East Jakarta, on Monday (date according to source) afternoon.
Head of the Operations Section of the East Jakarta Fire and Rescue Sub-agency (Gulkarmat), Abdul Wahid, said that the first report was received via the DKI Jakarta Gulkarmat call center at around 12:54 WIB from residents who saw thick smoke rising from the scene.
Officers immediately moved quickly to the scene. “The team arrived at the scene at 12:58 WIB and immediately began extinguishing the fire within a minute,” said Abdul.
To prevent the fire from spreading to surrounding buildings, 13 fire trucks and 65 East Jakarta Fire and Rescue personnel were deployed to the scene. After battling for approximately half an hour, the fire was brought under control at 1:12 PM WIB, and the cooling process continued until around 1:30 PM WIB.
The cause of the fire is currently under investigation, but officials suspect it originated within the factory’s production area. There were no reports of casualties, but losses are estimated to reach hundreds of millions of rupiah due to the destruction of production machinery and raw materials.
Source: https://www.antaranews.com/berita/5155957/kebakaran-melanda-pabrik-kopi-di-matraman-jaktim
Required Insurance Recommendations
To minimize the significant losses caused by fires like this, factory owners should consider the following safeguards:
- Fire Insurance
Protect factory buildings, machines, raw materials and finished products from the risk of fire, explosions, lightning strikes and smoke. - Industrial Property Insurance (Industrial All Risk / Property All Risk Insurance)
Provides broader protection including fire, electrical short circuits, explosions, and damage due to negligence or work accidents. - Business Interruption Insurance
Replaces potential revenue losses due to the cessation of production activities after a fire. - Workers’ Compensation Insurance
Provides financial protection for factory workers in the event of injury or accident at work, including due to fire.
A container ship and truck were burned, allegedly by a cigarette butt.
A major fire engulfed an unused ship and a container truck in the container complex owned by PT Toloan, Pantoloan Subdistrict, Palu City, Central Sulawesi, on Monday (6/10/2025) morning.
According to Agung Tri Prasetiawan, Head of the Firefighting Section at the Palu City Fire Department, the fire is suspected to have originated from human activity, such as burning trash or smoking nearby. “An electrical short circuit is unlikely, as the ship has not been operating for a long time,” he told reporters.
The fire was first discovered at around 5:30 a.m. WITA by security officers who saw smoke and immediately tried to extinguish the flames with seawater. However, as the fire rapidly spread and spread to the ship, officers finally contacted the fire department.
“Initially, it was reported that only one container towing truck was on fire. However, upon the team’s arrival, it was discovered that the fire had also engulfed a nearby ship,” Agung explained.
The growing fire overwhelmed firefighters, requiring additional assistance from the Palu Mayor’s Office Fire Department. A total of six fire trucks and 38 personnel were deployed to combat the blaze. After battling for nearly four hours, the fire was extinguished around 9:00 a.m.
After the fire was extinguished, the fire prevention team immediately conducted an investigation to determine the exact cause of the fire and calculate the total losses, which were estimated to reach hundreds of millions of rupiah.
Required Insurance Recommendations
To prevent major losses due to fires like this, port management companies and asset owners should have the following protections in place:
- Marine Hull Insurance
Provides protection against damage or fire to the ship, both when anchored and when operating. - Commercial Vehicle Insurance
Covers losses due to fire, accidents or explosions in operational vehicles such as container trucks. - Industrial Property Insurance
Protect assets in port areas, including warehouses and container parking areas from the risk of fire and explosion. - Business Interruption Insurance
Replacing potential lost revenue due to the cessation of operational activities after a fire.
A ship carrying 1,000 sacks of coal sank in the Barito River, Banjarmasin.
A motorboat (klotok) carrying sacks of coal sank in the Barito River in Banjarmasin, South Kalimantan, on Friday afternoon (October 3, 2025). Of the six passengers on board, one, Ahmad Fauzi, is missing and remains missing.
The Head of the Banjarmasin Search and Rescue Agency (Basarnas), I Putu Sudayana, confirmed the incident. “The SAR team immediately moved to the scene with complete equipment. The search for one missing victim is still ongoing,” he said.
According to an initial report from Aipda Mathias of the South Kalimantan Regional Police’s Water Police, the incident occurred at around 11:10 a.m. WITA (Central Indonesian Time) in front of the PT Australbyna timber factory, located on the banks of the Barito River. The 6.5-meter-long klotok boat was reportedly carrying around 1,000 sacks of coal and six workers.
While passing through the area, the ship sprang a leak, and the water pump failed, causing water to quickly enter the hull and ultimately sink the vessel. Five passengers managed to escape by swimming to the riverbank, but one, Ahmad Fauzi, was swept away by the current.
Putu added that his team deployed two rescue vessels, the KN 407 and KN 404, equipped with Aqua Eye, diving equipment, and underwater communications. Ten Basarnas personnel were deployed to conduct the search.
In addition, the SAR operation was also assisted by the South Kalimantan Regional Police’s Water Police, Banjarmasin Police, and Water Rescue Volunteers who conducted searches along the Barito River to find victims who were still missing.
Required Insurance Recommendations
To prevent similar incidents from causing major losses in the future, ship owners and coal transport companies should have the following protection:
- Ship Insurance / Marine Hull & Machinery Insurance
Provides protection against damage or loss of the ship due to sinking, fire, collision or leak. - Marine Cargo Insurance
Covering losses for cargo (in this case coal sacks) that are lost or damaged during the shipping process by sea or river. - Personal Accident Insurance
Provides compensation if crew or workers are injured, disabled or die due to a work accident on board the ship. - Public Liability Insurance
Protects ship owners from potential lawsuits if an accident causes damage or casualties to other parties.
This series of accidents and fires is clear evidence that risks can strike anytime, anywhere, and affect anyone. Insurance protection is not merely a formality, but a strategic necessity for maintaining business continuity, asset security, and financial security. By choosing the right type of insurance—from ship and vehicle insurance to property and liability insurance—every business owner can minimize the impact of losses and continue operations with peace of mind, even after a disaster strikes.
DON’T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773 (PHONE – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
