A wave of accidents and fires has struck various sectors in the past week—from a minibus struck by the Putri Deli train at an unmarked crossing to an overturned container truck that killed three people in Karawang. Fires also engulfed a shopping center during Chinese New Year celebrations, a cassava processing factory in Central Lampung, four tourist boats in Labuan Bajo, and a tobacco warehouse in Kudus that incurred Rp 6 billion in losses without insurance coverage. At sea, the KM Cahaya Intan Selebes sank, carrying dozens of passengers, including a toddler who was adrift before being evacuated. This series of events is not just crime news or ordinary disasters, but a clear reflection of the high exposure to operational, safety, engineering, and asset management risks in Indonesia.
A minibus was hit by a Putri Deli train at an unmarked crossing, killing two people on the spot.
A fatal accident occurred at an unmanned railroad crossing on Jalan Budi Utomo, Kisaran, Asahan Regency, North Sumatra, on Sunday (February 15, 2026). A minibus was hit by the Putri Deli train, resulting in the deaths of two child passengers at the scene, while the driver, the victim’s grandfather, is in critical condition.
According to information gathered, the car was traveling from Pasar Lima Village, Rawang, towards Siumbut-umbut. The driver allegedly failed to notice the train’s arrival when crossing the level crossing without a barrier.
Kisaran Police Special Police Officer Tri Rochmad stated that the self-employed crossing guard had shouted a warning. However, the driver allegedly didn’t hear him, resulting in an unavoidable collision. The force of the impact sent the vehicle flying approximately 15 meters.
Two children reportedly died at the scene, while the driver was rushed to the hospital for intensive care. Police from the Asahan Police Traffic Unit conducted a crime scene investigation and secured the vehicle for further investigation.
Risk Accident Review
Accidents at unmanned crossings are high-risk and potentially fatal. Key factors typically include limited safety systems, human error, poor visibility, and the lack of automated early warning systems. Financial impacts include total vehicle damage, fatality claims, medical expenses, and potential lawsuits against train operators or crossing managers if infrastructure negligence is found. Reputational risks and public pressure are also significant, particularly when the victims are children. This incident underscores the importance of improving crossing safety standards, conducting transportation risk audits, and having adequate insurance protection for both individuals and transportation operators.
Types of Insurance Needed
As an insurance broker and consultant, the following coverages are relevant:
- Personal Accident Insurance:Provides compensation for death or permanent disability due to accidents.
- Motor Vehicle Insurance (Comprehensive):Covers damage or loss of vehicle due to collision with train.
- Life insurance:Provides financial protection for families against the risk of death.
- Public Liability Insurance:Protecting crossing infrastructure managers from potential lawsuits.
Container Truck Overturns and Hits Sedan in Karawang, Driver Officially Named a Suspect!
Karawang Police have named a container truck driver as a suspect in a fatal accident that occurred on Jalan Tanggul Rawagabus, Kondangjaya Village, East Karawang District, Karawang Regency, West Java, Sunday (15/2/2026) evening.
The decision was made after the Traffic Police’s Law Enforcement Unit conducted a series of investigations into the incident where a container truck with license plate number B 9107 UEI overturned and collided with a Toyota Corolla sedan with license plate number T 1275 KN. The tragic incident resulted in three deaths and three others suffering serious injuries.
Head of Public Relations for the Karawang Police, Ipda Cep Wildan, stated that the case has now been moved to the investigation stage to provide legal certainty in a transparent and professional manner. The driver with the initials HW, a resident of Purwakarta, has been detained and charged under Article 311 Paragraph (5) or Article 310 Paragraph (4) of Law Number 22 of 2009 concerning Traffic and Road Transportation.
The accident began when the truck was traveling on a downhill road and allegedly lost control, causing it to swerve. The container it was transporting then collided with a sedan traveling in the opposite direction. Police said the road was not intended for large vehicles, and the driver was allegedly directed by an unofficial traffic controller.
Risk Accident Review
Container truck rollover accidents represent a high risk for heavy vehicles, particularly on undesignated lanes and downhill roads. Over-dimension, load distribution, braking failure, and human error can all potentially lead to loss of control. The impacts include loss of life, third-party vehicle damage claims, criminal and civil lawsuits, and potential recourse against the fleet owner. The reputational risk to logistics companies is also significant. Without adequate insurance coverage, third-party bodily injury and property damage claims can amount to billions of rupiah, including legal costs and victim compensation.
Types of Insurance Needed
As an insurance broker and consultant, the following coverages are relevant:
- Commercial Motor Vehicle Insurance (Comprehensive):Covers damage to trucks due to accidents.
- Third Party Liability (TPL):Covers third party losses, including death and serious injury to victims.
- Commercial General Liability (CGL):Protecting fleet owners from additional lawsuits.
- Workmen Compensation Insurance:Covers the risk of injury or death of the driver while on duty.
- Marine Cargo Insurance:Guaranteeing container loads during the land transportation process.
Ciputra Cibubur Mall Fires During Chinese New Year 2026! Welding Sparks Suspected to Be the Cause
A fire broke out at Ciputra Cibubur Mall, Bekasi City, on Tuesday (17/2/2026), coinciding with the 2026 Chinese New Year celebrations. The incident triggered panic among visitors who rushed out of the building to save themselves.
Namar Naris, Head of the Fire and Rescue Division of the Bekasi City Fire and Rescue Agency, confirmed that there were no fatalities or injuries in the incident. Mall management immediately evacuated customers as soon as the fire grew.
Two fire trucks were dispatched to the scene and the fire was successfully extinguished. Based on preliminary investigations, the fire is suspected to have been caused by sparks from welding on the advertising logo. The total cost of the damage is still being assessed.
Risk Accident Review
Fires in shopping centers demonstrate the high risk to commercial properties with high public occupancy rates, especially during the holiday season. Hot work activities, such as welding, without strict safety procedures can trigger significant fires. Risk exposures include damage to buildings, tenants, operational disruptions, claims for lost revenue, and potential lawsuits if casualties occur. Although there were no fatalities, the potential for business interruption and reputational risk is significant. This incident underscores the importance of implementing a hot work permit system, fire watch, occupational health and safety audits, and a comprehensive property and liability insurance program.
Types of Insurance Needed
As an insurance broker and consultant, the following protections are relevant:
- Property All Risks Insurance:Covers damage to buildings and mall assets due to fire.
- Business Interruption Insurance:Covering loss of income due to disrupted mall operations.
- Public Liability Insurance:Protecting managers from lawsuits from visitors or tenants.
- Contractor’s All Risks Insurance: Covers the risks of ongoing welding or renovation work.
Source: https://sinpo.id/detail/114977/mall-ciputra-cibubur-kebakaran-tak-ada-korban-jiwa-dan-luka
KM Cahaya Intan Celebes Drowns in Bombana, 2-Year-Old Toddler Floats in the Sea!
The motor ship (KM) Cahaya Intan Selebes sank in the waters off Bombana, Southeast Sulawesi, on Saturday (February 14, 2026). The ship was carrying seven crew members and 13 passengers, including children and a two-year-old toddler.
In the circulating video, passengers and crew members can be seen holding on to the water wearing orange life jackets. Several items from the ship are also seen floating near the scene. The victims attempted to stay afloat by clinging to white cork life jackets and floating mattresses.
The toddler on the trip was evacuated onto a floating mattress and kept under constant surveillance by his parents to prevent him from falling overboard. After some time adrift, all passengers and crew were successfully evacuated.
The Director of the Southeast Sulawesi Regional Police’s Water Police, Senior Commissioner Saminata, confirmed that all victims survived and had been taken to the community health center for further examination and treatment.
Risk Accident Review
The sinking of a passenger ship demonstrates the high risks in regional maritime transportation, particularly related to weather factors, ship seaworthiness, cargo stability, and safety procedures. Even if all passengers survive, the potential for loss of life is significant if evacuation is delayed or safety equipment is inadequate. Financial risks include total loss of the ship, passenger injury claims, evacuation and rescue costs, and potential lawsuits. Furthermore, the reputation of shipping operators can be significantly impacted. This incident underscores the importance of shipping safety standards, regular inspections, maritime risk management, and comprehensive insurance coverage for operators and passengers.
Types of Insurance Needed
As an insurance broker and consultant, the following coverages are relevant:
- Marine Hull & Machinery Insurance:Covers physical losses of ships due to sinking or maritime accidents.
- Protection & Indemnity (P&I) Insurance:Bear legal responsibility towards passengers and third parties.
- Passenger Liability Insurance: Provides compensation for the risk of injury or death of passengers.
- Workmen Compensation:Protecting crew from the risk of work accidents at sea.
- Search and Rescue / Salvage Coverage: Covering evacuation and rescue costs.
A machine explosion triggered a fire at a cassava processing plant in Central Lampung, causing losses of up to Rp1 billion.
A fire broke out at a cassava processing factory in Central Lampung Regency on Saturday (February 14, 2026) at around 6:00 p.m. WIB. Workers reported hearing an explosion from one of the production machines before the fire spread.
Video footage circulating shows workers running out of the building to save themselves, while flames and thick black smoke billowed from the factory area.
Central Lampung Police Chief, AKBP Charles Pandapotan Tampubolon, confirmed the incident. He stated that the area that caught fire was part of a machine belonging to PT Sinar Pematang Mulai 2. Based on initial information, the fire is suspected to have been triggered by a machine panel that overheated, causing an explosion and flames that then spread to the production area.
There were no fatalities in the incident. However, material losses are estimated at over Rp 1 billion. Police are still investigating to determine the exact cause of the fire.
Risk Accident Review
Fires caused by overheating of machine panels represent a significant risk in machine-intensive manufacturing industries. Key factors include cooling system failure, lack of preventive maintenance, and potential electrical outages. Internal explosions can cause machine damage, production downtime, and significant financial losses. In addition to physical losses, there is the risk of business interruption, distribution delays, and potential claims from business partners due to supply failures. Without comprehensive insurance coverage, companies directly bear the costs of repairs, machine replacement, and lost revenue. This incident underscores the importance of engineering risk management, regular inspections, and adequate industrial insurance protection.
Types of Insurance Needed
As an insurance broker and consultant, the following coverages are relevant:
- Property All Risks (PAR):Guaranteeing factory buildings and assets from the risk of fire and explosion.
- Machinery Breakdown Insurance:Covers engine damage due to overheating, short circuits, or mechanical failure.
- Business Interruption Insurance:Guarantees loss of profits due to production process interruption.
- Public Liability Insurance:Covers third party claims if the fire impacts the surrounding environment.
- Workmen Compensation Insurance:Protect workers from the risk of work accidents.
A tobacco warehouse in Kudus was completely destroyed by fire, resulting in losses exceeding Rp6 billion and no insurance.
A massive fire engulfed a tobacco storage warehouse belonging to PT Pura Mayan in Gondangmanis Village, Bae District, Kudus Regency, Central Java, on Wednesday morning (February 18, 2026) at around 5:19 a.m. WIB. The incident caused estimated losses of Rp 6 billion.
Bae Police Chief, First Inspector Madiyono, stated that the fire was extinguished around 11:30 a.m. WIB. However, the cooling process is still ongoing as smoke continues to rise from the pile of burning materials.
The fire was first discovered by security guards who smelled smoke coming from warehouse number two. Initial efforts to extinguish the fire were made by security guards, but the fire quickly spread due to tobacco’s flammable nature.
Eight firefighting units were deployed, including assistance from several local companies and agencies. The preliminary suspicion is that the fire was triggered by the tobacco fermentation process, which generated excessive heat due to poor air circulation in the 20 x 90 meter warehouse.
Police are still investigating the exact cause of the fire. It is understood the building and its contents were uninsured.
Risk Accident Review
Tobacco warehouse fires are characterized by high risk due to the flammable nature of the material and its potential for self-heating during the fermentation process. Lack of ventilation increases heat accumulation, triggering auto-ignition. The risks include not only physical damage to buildings and inventory, but also supply chain disruptions, loss of distribution contracts, and liquidity pressures due to the lack of insurance coverage. Without coverage, the company faces a direct burden of Rp6 billion in losses. This incident underscores the importance of fire risk assessments, adequate ventilation systems, storage temperature monitoring, and full-value property and inventory insurance programs for the agribusiness and tobacco manufacturing industries.
Types of Insurance Needed
As an insurance broker and consultant, here is the protection you should have:
- Property All Risks / Industrial All Risks:Guaranteeing warehouse buildings from the risk of fire and explosion.
- Stock Insurance (Inventory of Goods):Protecting the value of tobacco as a stock from fire risk.
- Business Interruption Insurance: Covering lost profits due to operational disruptions.
- Public Liability Insurance: Protects against potential third party claims if the fire impacts the surrounding environment.
Source: https://www.metrotvnews.com/read/K5nCR0gx-gudang-tembakau-di-kudus-ludes-dilalap-si-jago-merah
4 Tourist Boats Catch Huge Fire in Labuan Bajo Waterfront Area
A massive fire engulfed the Labuan Bajo Waterfront area in West Manggarai on Friday, February 13, 2026, at around 2:06 a.m. WITA. Four open-deck tourist boats were affected by the incident.
The vessels that caught fire were KM Pokemon 1, KM Pokemon 2, KM Pokemon 3, and KM Alfaiz. The Head of the Class II Labuan Bajo KSOP, Stefanus Risdiyanto, explained that three of the vessels were severely damaged, leaving only the hull intact. The other vessel suffered minor damage to part of its rear wall.
Eleven firefighters were deployed, along with one fire engine and one water supply truck. Officers were also assisted by six fire extinguishers belonging to the KSOP and a water suction unit. The fire was extinguished around 3:10 a.m. WITA (Central Indonesian Time).
Until now, the cause of the fire is still under investigation by the authorities who have conducted a crime scene investigation.
Risk Accident Review
Tourist boat fires in port areas represent a high risk to the maritime tourism sector, particularly for open-deck vessels, which are highly exposed to electrical installations, fuel, and mooring congestion. The risk of accumulation increases when multiple vessels are close together, making fires more likely to spread. Loss impacts include physical damage to the vessel, potential loss of charter revenue, trip cancellations, and reputational risk to the destination. Furthermore, there is the potential for legal liability claims if the fire impacts third parties or the port environment. Without adequate maritime insurance protection, ship owners face significant financial losses and long-term operational disruptions.
Types of Insurance Needed
As an insurance broker and consultant, the following coverages are relevant:
- Marine Hull & Machinery Insurance:Covers physical damage to the ship due to fire and other marine risks.
- Protection & Indemnity (P&I) Insurance: Bear legal responsibility towards passengers, third parties and environmental damage.
- Business Interruption Insurance:Covering loss of income due to the vessel being unable to operate.
- Comprehensive Shipyard/Repair Coverage:Covers additional risks during post-fire repair processes.
These incidents highlight a crucial point: risk never stands alone and often escalates beyond mere physical loss. Traffic accidents can escalate into criminal cases and civil lawsuits worth billions of rupiah. Industrial fires can trigger production disruptions, lost contracts, and even liquidity pressures. Maritime and tourism incidents have the potential to damage reputations long term. The situation is even more devastating when large assets are uninsured, as in the case of the tobacco warehouse in Kudus, where the entire loss is directly borne by the company. Without disciplined risk management, regular safety audits, and a comprehensive insurance program—from Property, Liability, Marine, to Business Interruption—a single incident can be enough to shake financial stability and business continuity. Amidst the complexity of modern operations, risk mitigation is no longer a cost, but rather an investment in long-term protection.
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