Over the past week, Indonesia has been shocked by a series of major accidents, ranging from public transportation accidents and port workplace accidents to industrial fires, to maritime and warehouse incidents. From sleeping bus drivers to electrical short circuits in warehouses and factories, one pattern is clear: risk is always present, and the impact can be costly.
As insurance brokers and consultants, we see each of these events as more than just news stories, but as a real-life example of how minor negligence, fatigue, or technical glitches can escalate into major financial losses, lawsuits, and even loss of life.
Here is a summary of the 7 most recent shocking accident incidents, along with risk analysis and protection solutions that should not be ignored.
Fishing Boat Catches Fire in Banten Sea, Killing One Crew Member! Risks Often Ignored by Ship Owners
A fishing vessel, the KM Marina 7, caught fire off Ular Island, Ciwandan District, Cilegon City, Banten. The tragic incident resulted in the death of one crew member.
Initial information was received by the Banten SAR Office from VTS Merak at around 9:30 a.m. WIB, following reports of smoke billowing from the vessel. The fire occurred at coordinates 05°57.090” South Latitude and 105°54.547” East Longitude, approximately 19.60 nautical miles from Carita Pier. Smoke was first detected by the MV Glory Majesty at 8:36 a.m. WIB on the port side of the vessel.
The fishing vessel KM Sumber Sejati, located near the location, immediately carried out an evacuation process. All 16 crew members were successfully removed from the burning vessel. The evacuation was confirmed by KMP Portlink V at 08:58 WIB. Of the total crew, 15 survived and one was declared deceased. The Banten SAR team deployed RIB 02 to the scene and dispatched the Merak SAR Standby Unit to the Banten Naval Base Pier for further handling. The cause of the fire is still under investigation.
News source: https://www.metrotvnews.com/read/b3JC5VJp-km-marina-7-terbakar-di-cilegon-satu-kru-tewas
Risk Accident Review
Fishing vessel fires in the open sea are a low-frequency but high-severity risk. Common potential causes include electrical short circuits, fuel leaks, engine overheating, or negligence in safety procedures. In addition to the total physical loss of the vessel (constructive total loss), there is a risk of loss of life, legal liability claims, operational disruption, and loss of revenue. At-sea extinguishing operations are limited by resources and response time. Without proper mitigation and insurance protection, vessel owners can face significant financial pressures, including asset replacement, crew compensation, and potential third-party claims.
Types of Insurance Needed
- Marine Hull & Machinery Insurance
Covers damage or loss of ships due to fire, explosion, sinking or other marine accidents. - Protection & Indemnity (P&I Insurance)
Bear legal responsibility towards crew, third parties, injuries, death, and marine pollution. - Marine Personal Accident (Crew Insurance)
Provides compensation for death or permanent disability for ship’s crew.
Welding Sparks Lead to Disaster! A Gran Max Burns Down, and Two Shophouses Also Burn in Malang
A Daihatsu Gran Max caught fire in front of a welding workshop on Jalan Tenaga Utara, Purwantoro Village, Blimbing District, Malang City, on Tuesday (February 24, 2026) at around 2:30 p.m. WIB. The fire is believed to have originated from welding sparks during the vehicle repair process.
According to eyewitnesses, the fire initially appeared small before growing and engulfing the entire car. Several explosions were heard, estimated to be up to four, discouraging nearby residents from approaching to extinguish the flames.
The flames then spread to two shophouses used as a workshop and shop. Residents reported that one of the occupants managed to escape through the back door.
Malang City Fire Department officials suspect welding sparks ignited flammable materials, including vehicle tires and the interior of the workshop. When officers arrived, the car and two buildings were already severely burned. Two fire trucks were deployed to control the blaze.
In addition to the Grandmax car, some of the workshop’s contents were damaged, including a motorcycle. Two leaking LPG cylinders were recovered by officers to prevent further explosions. There were no fatalities or injuries in the incident.
News source: https://tugumalang.id/mobil-grandmax-terbakar-di-kota-malang-api-merembet-di-2-ruko/
Risk Accident Review
Fires resulting from welding activities fall into the hot work risk category, which carries the potential for high losses without strict safety procedures. Sparks can easily ignite flammable materials such as fuel, tires, oil, or LPG. The risk extends beyond the vehicle being repaired to buildings, third-party assets, and potential liability claims. In addition to physical losses, workshop owners face potential compensation claims for damage to customer vehicles. Without proper insurance coverage, a single fire incident can erode business capital and significantly disrupt operational continuity.
Types of Insurance Needed
- Property All Risks (PAR)
Covers damage to workshop and shop buildings due to fire and other risks. - Motor Vehicle Insurance
Protect customer vehicles or private vehicles from the risk of fire and total damage. - Public Liability Insurance
Covers third party claims resulting from workshop operational activities that cause losses. - Business Interruption Insurance
Cover potential loss of income due to workshop operations being halted following a fire.
In a technically based business like a repair shop, the biggest risk is often not the work itself, but the potential for cascading losses from one small spark.
As an insurance broker and consultant, it is important to conduct a risk assessment of hot work activities and ensure that the policy structure is in accordance with the business risk exposure.
Workplace Accident! Truck Hits Forklift, Driver Killed in Pelindo Banten Area
A work accident occurred in the area of the Indonesian Port (Pelindo) Banten, Ciwandan District, Cilegon City, on Monday (24/2/2026) at around 10.00 WIB. The incident killed a truck driver with the initials A (27), a resident of Pandeglang Regency, Banten.
Head of the Banten KSKP, IPTU Fredo Leonard, explained that the police immediately took initial action by securing the location, collecting evidence, asking for witness statements, and conducting a post-mortem on the victim.
Based on initial CCTV footage, the truck driven by the victim appears to have hit a piece of metal being adjusted by a forklift. Police have questioned several witnesses, including a forklift operator and two security officers, and will summon port supervisors to investigate possible SOP violations.
The victim was rushed to Cilegon Regional Hospital but was pronounced dead. The vehicle involved in the accident is currently being held in the Pelindo area due to limited parking at the local police station. The investigation is ongoing.
News source: https://banten.suara.com/read/2026/02/24/224353/kecelakaan-kerja-di-pelindo-banten-sopir-truk-asal-pandeglang-tewas
Risk Accident Review
Workplace accidents in port areas fall into the high-risk operational environment category because they involve heavy vehicles, transport equipment such as forklifts, and dynamic loading and unloading activities. The risk of collisions between heavy equipment is often triggered by blind spots, lack of coordination, or potential negligence in safety procedures (SOPs). In addition to the risk of fatalities, companies can face compensation claims, legal liability, and investigations by labor regulators. Such accidents also have the potential to disrupt port operations and create reputational risk. Without an adequate safety management system and insurance protection, the financial and legal impacts can be significant for both companies and fleet owners.
Types of Insurance Needed
- Workmen Compensation / Employers Liability Insurance
Covering the company’s liability for work accidents that cause injury or death to employees or related workers. - Public Liability Insurance
Protecting companies from third party claims resulting from operational activities in the port area. - Commercial Vehicle Insurance
Covers damage to trucks due to accidents in the work area. - Heavy Equipment Insurance (For Forklift Heavy Equipment)
Provides protection for heavy equipment such as forklifts from the risk of collision or operational damage. - Contractors Plant & Machinery Insurance (CPM)
Suitable for operations involving a lot of mechanical equipment and loading and unloading activities.
In a working environment like a port, one small mistake can be fatal.
As an insurance broker and consultant, it is crucial to ensure operational risk management goes hand in hand with the right insurance protection structure to safeguard assets, workforce, and business continuity.
Brown Sugar Production Warehouse in Kudus Fire Causes Hundreds of Millions in Losses, Suspected Short Circuit
A fire broke out at a brown sugar factory building owned by a resident in Kajar Village, Dawe District, Kudus Regency, on Monday (February 23, 2026) at around 2:00 p.m. WIB. The building, owned by Tubi Iskandar, reportedly caught fire while production was not in operation.
Firefighters from the Kudus Public Order Agency (Satpol PP) arrived at the scene around 2:20 p.m. WIB after receiving reports from residents. At around 3:00 p.m. WIB, the Kudus Regency Regional Disaster Management Agency (BPBD) received a request for water supply assistance and immediately deployed one unit of tank fleet with a capacity of 5,000 liters along with personnel to the location.
The Regional Disaster Management Agency (BPBD) team arrived at 3:35 PM WIB and assisted in the extinguishing process. The main fire was brought under control around 5:00 PM WIB, while the cooling process was completed at 5:30 PM WIB. The response involved one fire engine, one BPBD water tanker, Destana volunteers, local residents, and security from the Indonesian National Armed Forces (TNI) and the Indonesian National Police (Polri).
The incident caused estimated losses of around Rp 150 million. Damage included a 40 x 20 meter industrial building, a motorcycle, and a sugar cane mill. The fire is suspected to have been caused by an electrical short circuit, but the exact cause is still under investigation by the Kudus Police Inafis.
News source: https://betanews.id/2026/02/pabrik-gula-merah-di-dawe-kudus-terbakar-kerugian-ditaksir-ratusan-juta.html
Risk Accident Review
Fires in small- to medium-scale industrial facilities often occur due to poorly maintained or substandard electrical installations. The risk is even greater when buildings store flammable materials such as firewood, liquid sugar, or production residue. Interestingly, many fires occur when the premises are not operational, delaying early detection. Losses occur not only to buildings but also to production machinery and high-value operational assets. Without insurance coverage, businesses risk cash flow disruptions, production interruptions, and significant loss of revenue during the recovery process.
Types of Insurance Needed
- Property All Risks (PAR)
Covers damage to industrial buildings due to fire, electrical short circuits, and other risks. - Machinery Breakdown Insurance
Protect production machines such as sugar cane mills from damage due to electrical disturbances or other technical risks. - Stock Insurance
Covering raw materials and production results stored at the business location. - Business Interruption Insurance
Replacing potential lost revenue due to operational cessation following a fire.
In both the home industry and medium-scale manufacturing sectors, the biggest risks are often hidden in the electrical systems and asset management.
As an insurance broker and consultant, preventive measures through risk audits and structuring insurance protection are key to maintaining business sustainability from unexpected losses.
WiFi Warehouse Short Circuit Leads to Disaster! Two Warehouses and a Workshop in West Bandung Destroyed, Incurring Losses of Hundreds of Millions
A major fire broke out in Babakan Cimareme Village, Ngamprah District, West Bandung Regency, on Monday afternoon (February 23, 2026). The blaze engulfed two warehouses and a workshop in a business complex. While there were no casualties, losses are estimated to reach hundreds of millions of rupiah.
Flames and thick black smoke could be seen billowing high into the sky. Combustible materials in the junkyard, the cable and WiFi network equipment storage area, and the paint shop caused the fire to spread rapidly.
Officers from the West Bandung Regency Fire Department arrived at the scene and immediately began extinguishing the fire using three fire trucks. After about an hour of effort, the fire was finally brought under control.
According to officials, the preliminary suspicion is that the fire was caused by an electrical short circuit in the cable and WiFi storage warehouse, which then spread to the scrap warehouse and workshop area. The exact cause is still under investigation.
News source: https://jabar.inews.id/berita/kebakaran-hebat-di-bandung-barat-2-gudang-dan-bengkel-hangus-dilalap-api/all
Risk Accident Review
Fires in warehouses carry a high risk, especially when storing flammable materials such as cables, electronic devices, paint, and scrap. Electrical short circuits are a leading cause of commercial property fires in Indonesia. The risks extend beyond building damage to inventory and equipment, as well as potential operational disruptions. In addition to physical losses, business owners risk losing revenue during the recovery process. Without a robust electrical protection system, regular inspections, and adequate insurance coverage, a single small fire can escalate into significant financial losses, threatening business continuity.
Types of Insurance Needed
- Property All Risks (PAR)
Covers damage to buildings, warehouses and their contents due to fire, short circuits, floods and other risks. - Stock Insurance
Protect inventory items such as cables, network devices, paint, and other materials. - Machinery Breakdown Insurance
Covers damage to business equipment and machinery due to power outages or technical failures. - Business Interruption Insurance
Replacing potential lost revenue due to operational cessation following a fire.
In warehousing and workshop businesses, the greatest risks often lie in electrical installations and the accumulation of flammable materials.
As an insurance broker and consultant, the best approach is to conduct a thorough risk assessment of electrical installations and storage management, as well as ensuring that the insurance protection structure is appropriate to the asset value and business risk exposure.
Drivers Fall Asleep! Two Transjakarta Buses Involved in Bullfight, Injuring 24 Passengers
An accident involving two Transjakarta buses occurred on the Cipulir corridor 13 flyover, Kebayoran Lama, South Jakarta, precisely around the Swadaya Bus Stop, on Monday (23/2/2026) at 07.15 WIB.
The incident involved a Transjakarta bus driven by Y from Kebayoran towards Ciledug and a Mayasari Bakti bus driven by A from the opposite direction. Based on initial police investigations, the driver, identified as Y, admitted to falling asleep at the wheel. As a result, the bus swerved and entered the oncoming lane, resulting in a head-on collision.
A total of 24 passengers suffered injuries, two of whom suffered broken bones. All victims were rushed to Sari Asih Hospital in Ciledug and Bhakti Mulya Hospital in Slipi for medical treatment. There were no fatalities in the incident.
Risk Accident Review
Public transportation accidents due to driver fatigue constitute a serious operational risk in the mass transit industry. Suboptimal fatigue management can lead to loss of concentration and even fatal accidents. Risks include not only vehicle damage but also mass passenger injuries, medical claims, lawsuits, and potential damage to the operator’s reputation. In these cases, the potential for bodily injury claims is significant because of the large number of victims involved. Public transportation operators are required to have a strict safety management system, including driver work schedules and health monitoring. Without comprehensive insurance protection, exposure to claims can burden a company’s cash flow and financial stability.
Types of Insurance Needed
- Motor Vehicle Insurance
Covers physical damage to the bus due to collision. - Public Liability Insurance
Protects operators from third party claims resulting from transportation service operations. - Employers Liability / Workmen Compensation
Covers the risk to the driver and crew if they are injured while on duty. - Directors & Officers (D&O) Liability Insurance (for major operators)
Protecting management from potential lawsuits related to negligence in safety system oversight.
In the public transportation industry, a single moment of fatigue can escalate into a mass incident with major financial impact.
As an insurance broker and consultant, it is important to ensure that the protection structure covers vehicle risks, legal liability for passengers, and comprehensive operational risk management.
SirenThe barrier has already sounded, but the barrier hasn’t closed yet! A container truck was hit by an airport train in Poris, Tangerang. Here’s the chronology.
An accident between a container truck and an airport train on the Manggarai–Soekarno Hatta route occurred at the Poris Station level crossing, Batuceper, Tangerang City, Friday (20/2/2026) at around 06.05 WIB during heavy rain.
Tangerang City Metro Police Chief Raden Muhammad Jauhari explained that, based on initial information, officers had sounded the warning siren. However, the automatic barrier did not immediately close. The truck, traveling from Cipondoh toward Jalan Daan Mogot, continued to pass through until it entered the railroad tracks.
As the barrier began to close, the container was already on the tracks. The truck’s head section managed to clear the track, but the container’s body remained behind. A passing train then struck and dragged the container for about 100 meters.
There were no fatalities in the incident. The driver and conductor were unharmed, but material damage was significant. Two electric poles operating on the KRL were reportedly knocked down, causing the train to lie across the tracks, blocking access to Jalan Raya Maulana Hasanuddin. The evacuation involved joint personnel and KAI technical personnel, and traffic engineering was implemented to ease the congestion.
Risk Accident Review
Accidents at level crossings are a transportation risk with the potential for catastrophic losses. Weather factors, human error, and potential delays in automated systems (sirens and barriers) create a dangerous combination. The impact extends beyond vehicles to damage to public infrastructure, disruption to train operations, third-party claims, and potential lawsuits. In this case, losses include damage to container trucks, train electrical facilities, disruption to public services, and potential business interruption. Without proper insurance coverage, both vehicle owners and transportation operators can face significant financial burdens due to multi-party compensation claims.
Types of Insurance Needed
- Commercial Vehicle Insurance
Covers physical damage to trucks due to collisions, including the risk of total loss. - Third Party Liability (TPL)
Covers third party losses, including damage to public facilities such as electricity poles and rail infrastructure. - Public Liability Insurance
Protecting the company from legal claims resulting from disruption of public operations or losses to other parties. - Employers Liability / Workmen Compensation
Provides protection for drivers and conductors in the event of injury or death while working. - Business Interruption Insurance (for transportation operators)
Cover potential loss of revenue due to operational disruptions.
Each of the incidents mentioned above has a different risk profile: marine risk, transportation risk, industrial fire risk, and even occupational accident risk. However, one thing remains in common: without proper risk management and insurance structure, the impact can significantly erode a business’s finances.
Insurance is not merely an administrative obligation, but a strategic risk mitigation instrument to maintain business continuity, protect assets, workforce, and company reputation.
As insurance brokers and consultants, our role is not only to provide policies, but also to ensure that every risk is identified, calculated, and optimally protected.
Because in the business world, the unexpected is not the question of “will it happen”, but “when will it happen and are you ready?”.
For your insurance needs, contact us L&G Insurance Broker Now!
Email: halo@lngrisk.co.id
Customer Service L&G: 08118507773
