A series of major accidents has rocked Indonesia in recent days, ranging from fatal toll road accidents, car fires, factories and industrial warehouses destroyed by fire, to light aircraft crashes and oil and gas rig collapses. These incidents have not only caused billions of rupiah in material losses but also reiterated the vulnerability of the transportation, industry, manufacturing, aviation, and energy sectors to operational risks. In this report, we summarize seven significant incidents, along with risk analyses and recommendations for relevant insurance coverage to anticipate similar impacts in the future.
A truck collided with three vehicles on the Semarang toll road, killing the Alphard driver and the conductor.
A multiple accident occurred on the ABC Toll Road in Semarang City, KM 432C towards Tembalang-Gayamsari, on Saturday (11/22/2025). The incident involved four vehicles and killed two people. The incident began when a tronton truck loaded with zinc lost control and hit a tanker truck in front of it. The vehicle then changed lanes and hit a Toyota Alphard and a Daihatsu Terios. The Alphard driver and the tronton truck conductor died at the scene, while several other victims suffered injuries.
Loads of zinc were scattered across the road, causing traffic jams leading to downtown Semarang. Toll road officers and volunteers evacuated vehicles and cleared the debris, while the Semarang Police Traffic Unit conducted a crime scene investigation and further investigation.
Risk Accident Review
This accident demonstrates the high operational risks of heavy vehicles carrying large loads on urban toll roads. Loss of control of the truck indicates potential braking failure, driver fatigue, or overloading. The impacts are significant: fatalities, injuries, vehicle damage, and traffic obstructions due to scattered debris.
Multi-lane roads also increase the risk of trucks changing lanes uncontrollably. This incident underscores the importance of regular heavy vehicle inspections, defensive driving training, load management, and driver condition monitoring to prevent fatal incidents.
Types of Insurance Needed
- Commercial Vehicle Insurance (Tronton & Tank Vehicle Insurance)
Covers vehicle damage due to collision. - Third Party Liability (TPL)
For damage claims for Alphard, Terios, and other third parties. - Personal Accident Insurance for Vehicle Drivers & Crews
Provides death benefits and wound care costs. - Cargo Insurance (Zinc Cargo)
Covers losses of scattered or damaged cargo. - Employer’s Liability Insurance
To protect transportation companies against the risk of worker accidents. - Legal Liability for Road Cleanup
Cover the cost of cleaning materials on the toll road.
Just Bought, Immediately Burns! A Nissan X-Trail Completely Burns in a Cimahi Underpass
A black Nissan X-Trail minibus with license plate D was burned to the ground at the Dustira-Sriwijaya Underpass in Cimahi City on Friday (November 21, 2025). The fire, which occurred at around 1:40 p.m. WIB, caused a long traffic jam from Baros to Cimahi Square.
The Cimahi Fire Department received a report at 2:00 PM WIB and arrived six minutes later. According to Fire Department Squad Commander Indrahadi, the vehicle owner had just purchased the car from the Kopo area and was taking it to a repair shop in Cimahi.
During the trip, the engine suddenly stalled and smoke began to emit. The owner thought the car had overheated, but sparks appeared from the hood. When the hood was opened, the flames grew, causing the owner to panic and call for help from other road users.
Firefighters managed to extinguish the fire in approximately 30 minutes. There were no fatalities; the two people in the car survived. Material losses are estimated at Rp 100 million. During the extinguishing process, traffic from Baros was temporarily diverted, causing a 2-kilometer-long traffic jam.
Risk Accident Review
The Nissan X-Trail fire incident highlights the high risk of used vehicles that haven’t undergone thorough inspections before use. Early indications, such as sudden engine stalling and smoke, indicate potential electrical system damage or fuel leaks, two major factors that can trigger vehicle fires. Opening the hood while there’s a fire actually increases the risk because oxygen accelerates the combustion process.
In terms of safety, the rapid evacuation and the Fire Department’s swift response prevented loss of life, but material losses reached IDR 100 million and disrupted traffic for 2 km.
Types of Insurance Needed
- Comprehensive Vehicle Insurance (All Risk)
Covers damage due to fire, electrical short circuits, and other accidental damage. - TLO Insurance (Total Loss Only)
Covers if the vehicle is totally damaged above 75% or cannot be reused. - Asuransi Third Party Liability (TPL)
Protection against claims for losses suffered by third parties involved in an accident.
A textile factory in Cikarang was completely destroyed by fire due to a short circuit. Losses are estimated to reach billions of rupiah.
A major fire broke out at PT TAK Textiles Indonesia, located on Jalan Hajar Mekar, North Cikarang, Bekasi Regency, early Tuesday morning (November 25, 2025). The fire, which broke out around 2:10 a.m. Western Indonesian Time (WIB), quickly spread and engulfed the production area containing highly flammable fabrics, causing losses estimated at billions of rupiah.
Initial police information indicates the fire is suspected to have originated from an electrical short circuit in one of the warehouses. The dense construction of the building and the large amount of textile materials allowed the fire to spread quickly to other areas.
The Bekasi Regency Fire Department deployed a total of 11 fire trucks, seven from Bekasi Regency and four to five from the Jababeka area, to extinguish the fire. Crews faced challenges due to the tight structure, limited access, and the fabric material, which required longer cooling time.
All employees were successfully evacuated with no reported casualties. As of this writing, extinguishing and cooling efforts are still ongoing. Further investigation into the cause of the fire will be conducted by the Bekasi Metro Police and the North Cikarang Police.
Risk Accident Review
The fire at PT TAK Textiles Indonesia highlights the high risk in industrial facilities with flammable materials, particularly textiles, which retain heat and prolong the combustion process. The initial cause, suspected to be an electrical short circuit, underscores the importance of regular inspections of electrical installations in industrial areas.
The building’s dense structure complicated the firefighting response by restricting access and air circulation. The volume of fabric material accelerated the spread of the fire and increased the potential for billions of rupiah in losses. Although the evacuation proceeded smoothly without any casualties, this incident highlights the need for rigorous risk management in the textile manufacturing sector.
Types of Insurance Needed
- Property/Industrial All Risk Insurance (PAR/IAR)
Covers damage to factory assets due to fire, explosion, electrical short circuit, and other risks that are not excluded. - Asuransi Business Interruption (BI) / Loss of Profit
Provides compensation for financial losses due to the cessation of factory operations after a fire. - Machinery Breakdown Insurance
Protects against damage to machines or electrical installations that could trigger or be affected by fire. - Public Liability Insurance (Third Party TJH)
Covers third party losses if the fire impacts surrounding areas or triggers lawsuits. - Employee Personal Accident Insurance
Additional protection for workers, especially if an incident occurs while production activities are still running.
A plastic warehouse and doll factory were completely destroyed by fire, with losses estimated at Rp1.5 billion.
A massive fire broke out at a plastic warehouse and doll factory on Jalan Gatot Subroto, Mojongapit Village, Jombang, East Java, on Monday (November 24, 2025) at around 5:00 p.m. WIB. The fire broke out shortly after workers had returned home and the building was closed. Residents who saw the flames reported the incident, and firefighters were immediately deployed.
The highly flammable plastic material caused the fire to spread rapidly, taking nearly 10 hours to extinguish. The fire was finally extinguished at 3:00 a.m. Western Indonesian Time.
Although there were no casualties, material losses are estimated at Rp 1.5 billion. Initial suspicions point to an electrical short circuit. The collapsed second-story structure of the building further complicated the firefighting effort, particularly given its location in a densely populated area. Police are still investigating further.
Risk Accident Review
The fire at the Jombang plastic warehouse and doll factory exposed the extreme risks at industrial facilities storing flammable materials like plastic and foam. The fire spread rapidly, while the collapse of the second floor restricted firefighting access and increased the potential for additional structural collapse. The location in a densely populated area also increased the risk of fire spread and potential third-party claims.
The suspected electrical short circuit indicates a lack of regular inspections of electrical installations, a common risk in the manufacturing industry. The massive loss, estimated at IDR 1.5 billion, demonstrates the importance of comprehensive insurance protection for assets and business interruption.
Types of Insurance Needed
- Industrial All Risk (IAR) / Property All Risk (PAR)
Covers damage to buildings, machinery and stock due to fire, electrical short circuits and other risks. - Business Interruption (Loss of Profit)
Provides compensation for lost revenue during operational downtime due to fire. - Fire & Explosion Insurance
Important for facilities that store plastics and other fuels with high inflammatory risks. - Public Liability Insurance (Third Party Legal Liability)
Anticipating claims if the fire spreads to densely populated surrounding settlements. - Personal Accident for Workers
Protection for workers even if the incident occurs outside working hours, as part of comprehensive work safety.
Cessna Plane Crashes in Karawang Due to Aircraft Problems
A Cessna aircraft belonging to BRO Skydive Indonesia with registration PK-WMP was reported to have crashed in Kertawaluya Village, Tirtamulya District, Karawang Regency, West Java, on Friday (21/11/2025) at around 15.00 WIB.
According to statements from residents submitted to the Karawang Police, the plane appeared to experience problems while still in the air before crashing in an open area. The plane had taken off from Tangerang bound for Cirebon and was carrying five crew members.
The Karawang Police reported that all crew members were safe and evacuated to Trimulya Community Health Center. Karawang Regent Aep Syaepuloh immediately inspected the scene and ensured that the crew members were receiving optimal medical treatment and examinations. There were no serious injuries in the incident.
Risk Accident Review
The Cessna crash in Karawang highlights the potential for engine failure or mechanical issues during flight, as witnessed by residents who saw the aircraft experiencing problems in the air. Although the crash occurred in an open area and all crew members survived, the incident remains a significant indicator of the operational risks of small aircraft, particularly for non-commercial operations such as skydiving. Risks include system failure, emergency landing, total aircraft damage, and potential crew injury. Furthermore, there is the risk of legal liability if the aircraft crashes in a residential area. Further investigation is needed to determine the full technical cause.
Required Insurance
- Aviation Hull Insurance
Covers damage or total loss to the aircraft, including during takeoff, landing, and in-flight accidents.
- Aviation Liability Insurance (Third Party Liability)
It is important if the plane crashes onto assets or third parties—covering material losses and injuries to other people.
- Passenger Liability / Crew Personal Accident Insurance
Protecting crew or passengers from the risk of injury, permanent disability, or death during flight.
- Aviation Deductible Insurance
Covers additional costs incurred due to large deductibles on primary policies.
- Employer Liability Insurance (for flight crew)
Guarantees medical coverage & compensation for crew working as official employees of the operator.
The Oil and Gas World Mourns! Rig AU17 Collapses, Killing Derrickman After Crane Fall, and Serious Injuries to Two Other Workers
A tragic incident occurred on the AU17 HO-Duri rig owned by PT Artindo Utama on Monday afternoon (November 24, 2025), killing one derrickman and injuring two other workers, who suffered broken hips. The accident occurred around 11:00 a.m. WIB (Western Indonesian Time) while the rig was operating at high altitude.
According to the initial investigation, the accident occurred during the Running Down power swivel process after the Drilling Out Cement work. When the drillpipe was lifted, the rig mast suddenly bent and fell towards the catwalk, hitting derrickman A (43) who was on the monkey board, and was hit by the counterweight of the parked mobile crane.
Pertamina Hulu Rokan (PHR) and the police are still investigating the cause of the rig collapse. All victims were immediately evacuated to medical facilities, while the operation site was secured. This incident has heightened public concern about safety standards in the high-risk oil and gas drilling industry.
Risk Accident Review
The incident on rig AU17 revealed a critical structural failure of the rig’s mast, which caused the tower to collapse during drillpipe lifting. Derrickman work is highly risky due to working at height and being directly in the path of moving loads. Potential contributing factors include structural fatigue, operational errors, overloading, or rig inspection failures. Consequences include fatalities, severe injuries, equipment damage, operational downtime, and potential lawsuits. A thorough investigation is required to determine the root cause, including reviewing rig design, maintenance records, and lifting procedures. This incident underscores the urgency of implementing stricter HSSE standards.
Required Insurance
- Workers Compensation / BPJS Employment + PA Insurance
Guarantees death, permanent disability, medical treatment and compensation for oil and gas workers who experience work accidents.
- Employer’s Liability Insurance
Provides additional protection if a worker’s family files a legal claim against the company.
- Construction/Erection All Risks (CAR/EAR) – Optional for certain rig operations
Covers damage to rigs, drilling equipment and installations due to accidents such as rig collapse.
- Machinery Breakdown / Drilling Equipment Insurance
Suitable for rig equipment, mast, power swivel, drillpipe, and other important machines.
- Public Liability Insurance
Covers the risk of damage to third parties if the accident causes external impacts.
- Group Personal Accident Insurance (GPA)
Complete protection for high-risk workers such as derrickmen, floormen, and crane operators.
11 Shophouses Burned Down on Galungan Day! The Fire Is Suspected to Have Been Caused by a Short Circuit or Incense Burning, with Losses Reaching Hundreds of Millions of Rupiah.
Eleven shophouses in the Menanga Market area, Menanga Village, Rendang–Karangasem, were destroyed by fire on Wednesday (11/19/2025), coinciding with the Galungan celebrations. The fire was reported by residents at around 1:40 p.m. WITA, starting in three shophouses on the north side. The lack of firefighting equipment caused the fire to get out of control and spread quickly to eight other shophouses. Karangasem Fire Department personnel had difficulty reaching the location, so assistance from the Klungkung Fire Department arrived approximately 40 minutes later. Each vendor is estimated to have suffered losses of IDR 35–40 million, not including damage to building facilities. The cause is still being investigated, but initial suspicions point to a short circuit or incense fire left over from prayers.
Risk Accident Review
The Menanga Market fire demonstrated the high risk in a densely populated trading area filled with flammable materials such as groceries, plastic, and frequently modified electrical installations. Limited fire extinguishers, remote firefighting access, and densely packed buildings allowed the fire to spread quickly and cause significant losses. The triggering factor likely stemmed from a short circuit or an open flame from religious activities, increasing the potential for ignition during celebrations. The main risks include total loss of shophouses, damage to vendor inventory, business disruption, and potential socio-economic losses. An evaluation of the electrical installation and fire protection readiness in the market area is necessary.
Required Insurance
- Property All Risks (PAR)
Protecting shophouse buildings and shophouse contents from the risk of fire, electrical short circuits and other damage.
- Fire Insurance
A more economical alternative for fire, lightning, explosion, aircraft crash and smoke protection.
- Business Interruption (BI) Insurance
Covering losses due to the cessation of trading activities after the fire.
- Stock Insurance
Protecting traders’ merchandise (groceries, fruit, equipment) from the risk of fire.
- Public Liability Insurance (opsional)
Covers third party claims if the fire impacts the surrounding area or visitors.
The string of accidents in this report underscores one important point: risks can occur at any time, in any sector, and often have fatal consequences for people, assets, and business continuity. Amidst increasing operational complexity and high industrial activity in Indonesia, implementing rigorous risk management and appropriate insurance coverage is no longer an option—it’s a necessity. With a better understanding of risk and adequate protection, companies and individuals can minimize potential losses and ensure operational continuity when unexpected incidents occur.
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