A wave of fires and accidents has continued to rock various regions across Indonesia in recent days. From the blaze at a party decorations warehouse in East Jakarta to a fatal accident on the Solo-Ngawi toll road, these incidents have resulted in billions of rupiah in losses and have had a significant impact on both victims and businesses. This series of incidents serves as a stark reminder of the importance of implementing proper risk management and having insurance coverage to minimize the financial impact.
A fuel tanker truck exploded in Cianjur, destroying a two-story police post, causing billions of rupiah in losses.
A massive fire engulfed Jalan Perintis Kemerdekaan, Cilaku, Cianjur, on Sunday (November 2, 2025). The incident began with a collision between a fuel tanker truck and a trailer truck, causing a fuel spill and a massive explosion that engulfed a two-story police post and several official vehicles.
According to the Head of the Cianjur Police Traffic Unit, AKP Hardian Ardianto, the accident occurred on Saturday night (November 1, 2025) when a tanker truck traveling from Bandung lost control and overturned in front of a shophouse not far from a police post. The spilled fuel onto the road quickly ignited a massive, uncontrollable fire.
“Thank God there were no fatalities, but two people were injured, namely the tanker truck driver and a motorcyclist,” explained AKP Hardian.
The rapidly spreading flames engulfed the police post, an official vehicle, a tow truck, and a portable ETLE (Electric Testing Unit) unit. The two-story post building was now reduced to rubble, and all operational facilities were destroyed before anyone could rescue them.
Traffic monitoring services at the scene have been completely shut down, and police tape remains in place to secure the area. The process of assessing losses and evacuating vehicles continues to restore normal traffic flow.
Source: https://korlantas.polri.go.id/truk-bbm-kecelakaan-di-cianjur-pos-polisi-hangus-terbakar/
Insurance and Risk Management Review:
To minimize similar risks and manage the financial impact effectively, truck-owning companies should have the following protections in place:
- Vehicle Insurance
Protecting the fleet of tanker trucks and trailer trucks from damage or loss due to accidents, fires or explosions during operations. - Cargo Insurance
Provides special protection for the shipment of fuel or flammable liquids from the risk of leaks, spills and explosions. - Property Insurance
For public facilities such as police posts, shophouses, or buildings around the incident location to be protected from fire and explosions. - Public Liability Insurance
Protects vehicle owners or companies from third-party lawsuits, including damage to public property and injury to others due to accidents. - Personal Accident Insurance
Guarantees medical expenses or compensation for drivers in the event of injury or death while on duty.
A Toyota Yaris TRD Burns Down in the Middle of Kemanggisan Road! Losses Reach Hundreds of Millions of Rupiah
A Toyota Yaris TRD was engulfed in flames on Jalan Kemanggisan Raya, Palmerah, West Jakarta, on Monday afternoon (November 3, 2025). The flames that suddenly appeared from the hood shocked nearby residents, while thick smoke billowed into the air and attracted the attention of road users.
According to the statement of the Officer on Duty of the West Jakarta Gulkarmat Sub-agency, Joko Susilo, the vehicle suffered heavy damage to the front with the estimated loss reaching IDR 335 million.
“We received the report at 11:20 a.m. WIB, and a fire engine was immediately dispatched to the scene. The fire was completely extinguished around 1:30 p.m. WIB,” explained Joko.
The chronology began when the Yaris driver saw smoke coming from the hood while passing through the Kemanggisan area. Local residents responded quickly and reported it to firefighters. Shortly after, the fire spread to the front of the vehicle before officers were able to control it.
Fortunately, there were no fatalities or injuries in the incident. However, the exact cause of the fire is still under investigation. This incident serves as an important reminder for vehicle owners to regularly check the condition of their electrical and fuel systems to prevent similar fires.
Insurance and Risk Management Review:
To minimize the financial impact of similar accidents, vehicle owners need to have comprehensive insurance coverage, including:
- Comprehensive Car Insurance
Protects your car from all types of damage, including fire, collision, theft, and natural disasters. In such cases, the vehicle owner can file a full claim to repair or replace a severely damaged vehicle. - Third Party Liability Insurance
Provides protection if a car fire or incident causes damage to other vehicles, property, or people nearby. - Personal Accident Insurance
Guarantees medical costs or compensation for drivers in the event of injury due to a vehicle accident or fire.
A textile factory in Bandung was completely gutted by fire! Dozens of officers were deployed, and here’s how it happened.
A major fire broke out at the Mastex Jaya Lestari fabric factory located on Jalan Raya Cikancung, Cikasungka Village, Cikancung District, Bandung Regency, on Sunday (2/11/2025) afternoon at around 15.15 WIB.
As soon as the report was received, the Bandung Regency Fire and Rescue Service (Disdamkar) immediately deployed a fleet to the scene of the incident.
Several fire trucks were deployed, including one firefighting and rescue unit from the Cicalengka sector, as well as support from the Cileunyi, Majalaya, and Ciparay sectors.
The head of the Bandung Fire and Rescue Agency, Iman Irianto Sudjana, stated that officers immediately took swift action to contain the spread of the fire, assisted by security guards and several factory employees. “The extinguishing process is still ongoing, but the situation is under control,” he said.
Meanwhile, Cikancung Police Chief AKP Indra Adhiyana emphasized that the evacuation was carried out immediately after the fire was discovered.
“Thank God, so far there have been no fatalities,” said Indra.
The cause of the fire is still under investigation by authorities. However, this incident serves as a further reminder of the importance of fire protection systems in industrial environments, particularly textile factories that use flammable materials such as fabric, yarn, and chemicals.
Insurance and Risk Management Review:
To anticipate similar losses in the future, Mastex Jaya Lestari Fabric Factory should have:
- Property All Risk Insurance (PAR)
Protect buildings, machinery and raw material stocks from damage due to fire, explosions and other risks. - Business Interruption Insurance
Covers losses due to production interruption following a fire, including loss of income during the recovery process. - Employee Insurance (Personal Accident / Health Insurance)
Provides financial protection for workers in the event of injury during evacuation or during factory operations.
A fire destroyed a party decoration warehouse in East Jakarta, causing losses of up to Rp 2 billion, with a short circuit blamed on the fire.
A massive fire engulfed a party decorations warehouse on Jalan Udayana, Kebon Pala, Makassar, East Jakarta, on Tuesday afternoon (October 28, 2025). The fire, suspected to have originated from an electrical short circuit, quickly engulfed the warehouse, which was filled with flammable materials.
The warehouse owner’s older brother, Koman (60), estimated the losses at around Rp. 2 billion. “That’s just the warehouse itself, not including the house next door that was also affected,” he said.
Before officers arrived, an employee attempted to extinguish the fire with a portable fire extinguisher (APAR), but the flames were already too intense. Koman then contacted the neighborhood association (RT) head, who immediately alerted the fire department.
According to the Head of the Gulkarmat Duren Sawit Sector, Mardianto, the fire first appeared due to an electrical short circuit, then spread quickly because most of the party decorations were made of flammable materials.
“The fire spread to four two-story houses around the location,” he explained.
The East Jakarta Fire and Rescue Agency received a report of the fire at around 1:26 p.m. WIB and immediately deployed 13 fire trucks and 65 personnel. The blaze was brought under control after two hours of intensive extinguishing efforts.
Luckily, there were no fatalities or injuries, because the incident occurred during the day so residents had time to save themselves.
Insurance and Risk Management Review:
To prevent major financial losses due to incidents like this, decoration factories should have the following protections in place:
- Property All Risk Insurance (PAR)
Protecting warehouses, contents, and assets from fire, explosions, and other risks. - Residential Fire Insurance
For houses that are affected, so that the owners do not suffer large personal losses. - Public Liability Insurance (Third Party Legal Liability)
It is important if the fire spreads to surrounding buildings and causes damage to other people’s property.
A massive explosion rocked Bekasi! Sambel Hejo Sambel Dadak restaurant was gutted by a gas leak.
A massive fire rocked the Lagoon area of Pekayon Jaya, South Bekasi, on Sunday afternoon (November 2, 2025). The fire engulfed the Sambel Hejo Sambel Dadak (SHSD) restaurant after an incident occurred while filling the restaurant with gas from a tanker.
Eyewitness, Yayang, a resident who lives in the Lagoon apartment, said he heard several loud explosions accompanied by shaking glass in his unit.
“I heard four big explosions, the apartment windows were shaking,” he said.
Yayang added that the fire broke out shortly after the gas filling process began. “A gas tanker was filling up at the restaurant, but I don’t know why it suddenly exploded and caught fire,” he said.
Thick smoke billowed from the scene. As of this writing, Bekasi City firefighters were still working to contain the rapidly spreading fire in the restaurant area. The extent of the damage and the number of casualties are still unknown.
Insurance and Risk Management Review:
To prevent major financial losses from incidents like this, restaurants should have the following safeguards in place:
- Property All Risk Insurance (PAR)
Protect restaurant buildings, kitchen equipment and building contents from the risk of fire, explosion and gas damage. - Public Liability Insurance (Third Party Legal Liability)
It is very important for restaurants operating in densely populated areas to cover potential losses to other parties (such as surrounding apartments) due to fire or explosion. - Business Interruption Insurance (Business Loss)
Provides compensation for lost income while the restaurant is unable to operate due to fire. - Personal Accident Insurance for employees
Protect staff or workers who may be injured due to gas and fire incidents.
A Tire Shop in Purworejo Burns to a Large Capacity! The Fire Erupts at a Retreading Warehouse, Causing Losses Reaching Tens of Millions of Rupiah.
A major fire engulfed the Surya Maju Ban Vulcanizing Tire Shop owned by Henry Tjan Kok Tjien on Jalan Gatot Subroto No. 331, Baledono Village, Purworejo District, on Monday night (3/11/2025).
The fire started at around 19.23 WIB and quickly grew, engulfing part of the building and the tire stock inside the shop.
A local resident, Kevin Jonathan Setiawan, said the flames were seen rising high before firefighters arrived at the scene.
“The fire grew very quickly, and the smoke was very thick. Luckily, the fire department arrived quickly,” he said.
According to Yudha Brama Jaya, a Satpol PP and Fire Department officer from Purworejo Regency, the fire was first discovered by an employee from the shop next door who immediately reported it to the Fire Department Headquarters.
“We received the report at 7:23 PM WIB and immediately moved in two minutes later. The team arrived at the location at 7:27 PM WIB and began extinguishing the fire,” explained Yudha.
A total of 25 firefighters were deployed with 4 fire engines and 1 water supply, assisted by personnel from the BPBD, TNI, Purworejo Police, PLN, and local residents.
Despite being hampered by a lack of water sources, the fire was finally completely extinguished at 20.50 WIB.
There were no fatalities in this incident, but material losses are estimated at Rp 50 million. The cause of the fire is still being investigated by the Purworejo Police Inafis Team.
Source : https://www.pelita.co/news/toko-ban-vulkanisir-di-baledono-terbakar-kerugian-capai-rp50-juta/
Insurance and Risk Management Review:
In order to minimize major losses like this in the future, tire shop owners and similar businesses are strongly advised to have the following protection:
- Property All Risk Insurance (PAR)
Provides protection against fire, explosion and physical damage to buildings and store contents (tire stock, equipment and vulcanizing machines). - Fire Insurance (Conventional Fire)
A more economical alternative that still covers basic risks such as fires due to electrical short circuits, sparks, or human negligence. - Business Interruption Insurance (Business Loss)
Compensate for lost income while the store is unable to operate due to fire. - Public Liability Insurance (Third Party Legal Liability)
Protects shop owners if a fire causes damage to buildings or vehicles belonging to neighbors in the area.
Multiple Accidents on the Solo–Ngawi Toll Road! Trucks Collide After Colliding, Driver Dies After Being Trapped in the Cabin
Another fatal accident occurred on the Solo–Ngawi Toll Road Km 564+600 A, precisely in Pelang Lor Village, Kedunggalar District, Ngawi Regency, Tuesday morning (November 4, 2025).
The series of incidents involving four vehicles killed an expedition truck driver who was trapped inside the cabin.
The victim was identified as Siswanto (52), a resident of Dorang Village, Nalumsari District, Jepara, Central Java. He died at the scene with serious head injuries and broken legs.
Head of Traffic Police of Ngawi Police, AKP Yuliana Plantika, confirmed that the accident occurred at around 06.00 WIB.
“Four vehicles were involved, one driver died, and one victim was injured. The incident occurred at Km 564+600, heading from Solo to Ngawi,” he explained to reporters.
The four vehicles involved consisted of one vehicle that has not been identified, as well as three other vehicles, namely a Colt Diesel truck P 8730 VO, a box truck K 8553 WK, and a Toyota Calya R 1421 N.
The incident began when an unidentified vehicle was traveling from Solo toward Ngawi. In front of it was a Toyota Calya carrying seven people, and behind it was an expedition box truck driven by the victim, Siswanto.
The box truck collided with a truck carrying natural stone driven by Dimas, a Banyuwangi resident. The violent impact triggered a chain reaction.
According to AKP Plantika, the main cause is suspected to be the lack of vigilance of the expedition truck driver when driving on the fast lane.
“It is suspected that the expedition truck driver was not careful enough, which caused a series of accidents,” he said.
Police officers and the evacuation team struggled to free the victim, who was trapped in the cabin due to the severe damage. After a lengthy process, the victim’s body was successfully removed and taken to Dr. Soeroto Ngawi Regional Hospital.
Insurance and Risk Management Review:
To prevent major financial losses due to incidents like this, vehicle owners should consider the following protection:
- Commercial Vehicle Insurance
Provides compensation for damage to trucks, both partial and total, including accidents and collisions on toll roads. - Driver and Passenger Personal Accident Insurance
Guarantees compensation for drivers and passengers in the event of death or disability due to an accident. - Marine Cargo Insurance
Protecting cargo in expedition trucks from the risk of damage or loss during the journey. - Third Party Liability Insurance
Covers compensation if an accident causes loss or injury to other road users.
The various incidents above demonstrate that the risk of fire, explosion, and accidents can occur at any time, regardless of time or place. However, the significant losses resulting from such incidents can be controlled through preventive measures and proper financial protection. By having appropriate insurance policies—whether for vehicles, property, business, or legal liability—business owners and individuals not only protect their assets but also ensure the continuity of economic activity amidst the uncertainty of risk.
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