Liga Asuransi – Several major accidents and fires have rocked Indonesia again in recent days. From a fatal collision in Lampung, a truck overturning in Malang, to massive fires in the Mangga Dua and Kudus areas, all have left deep sorrow and significant losses. Furthermore, the tragedy of a training plane crash in Bogor, a ship fire in Bontang, and a work accident in Bali also demonstrate the importance of comprehensive vigilance and protection—both in terms of safety and financial protection through insurance. In this review, we not only examine the chronology of the incidents but also see how insurance and risk management play a key role in addressing their impact.
Fatal Accident in North Lampung: Bus, Truck, and Calya Collide, One Person Dies After Being Trapped!
A tragic incident occurred on the Trans-Sumatra Highway in Bandar Putih Village, South Kotabumi District, North Lampung, on Monday (August 4, 2025) at around 11:30 a.m. WIB. Three vehicles were involved in a pile-up, resulting in one fatality. The deceased was Fajar Adi Saputra (22), driver of a Toyota Calya.
According to the Head of the North Lampung Police Traffic Unit, First Inspector Joni Charter, the victim, Fajar Adi Saputra, was a resident of Kasui District, Way Kanan Regency. He died at the scene after being trapped inside the car. Meanwhile, the bus driver, Andi Purwanto, suffered only minor injuries, as did the Fuso truck driver and several other people involved. Fortunately, the bus involved in the accident was empty, so no passengers were injured.
Police teams remain on the scene, processing the scene and gathering statements from witnesses to determine the exact cause of the accident. Efforts to recover the vehicle are also ongoing to ensure traffic flows return to normal.
Insurance and Risk Management Review:
This three-vehicle pileup requires complex insurance coverage. Here are some relevant insurance types:
- Motor Vehicle Insurance
This insurance will cover the cost of repairing or replacing a damaged vehicle, depending on the type of policy (e.g., Comprehensive or Total Loss Only). - Third Party Liability Insurance (TPL)
TPL insurance will cover the repair costs of other parties’ vehicles, medical expenses for injured victims, and death benefits for victims. - Personal Accident Insurance
This will provide compensation to bus drivers and truck drivers who suffered injuries, as well as to the heirs of the victims.
A truck carrying molasses overturned on the Mergosono Flyover in Malang. Molasses spilled onto the road, injuring two motorcycles.
A trailer truck carrying molasses was involved in a single-carrying accident on the Mergosono Flyover Bridge in Malang City on Monday (August 4, 2025) at 5:20 PM WIB. The incident caused severe congestion on the main road from Malang southward. The trailer truck’s body overturned and lay across the west side of the bridge, directly in front of Malang Kota Lama Station. Molasses spilled onto the road further exacerbated the situation.
To ease the congestion, officials were forced to close the bridge and divert traffic to the underpass. As a result, the traffic jam stretched for more than 3 kilometers. According to eyewitnesses,SuprionoThe truck allegedly couldn’t make it up the hill while traveling from the south. The trailer broke, hitting a road divider, and eventually overturning.
Tragically, two motorcycles passing from the opposite direction were also involved. One was carrying a passenger and the other was being driven solo. The riders and passengers of all three motorcycles suffered serious injuries. According toSuprionoThe victims suffered injuries to their noses, heads, and legs. Fortunately, all three survived and were immediately rushed to the nearest hospital, Panti Nirmala Hospital.
As of 7:00 PM WIB (Western Indonesian Time), the evacuation process was still underway, dramatically. Residents, firefighters, the Regional Disaster Management Agency (BPBD), and volunteers worked together to clean up the spilled molasses and remove the truck body.
Insurance and Risk Management Review:
Trailer truck accidents that cause material losses and injuries to other victims require several types of insurance to cover all the losses involved:
- Motor Vehicle Insurance (Truck Insurance)
This insurance will cover the costs of repairing or replacing the truck body that is damaged due to overturning. - Third Party Liability Insurance (TPL)
This insurance will cover all losses caused by the truck to other parties, including the repair costs for the two damaged motorbikes and all medical costs for the three injured victims. - Cargo Insurance
Molasses spilling onto the road is a major loss. Cargo insurance will cover the damage to the truck’s cargo.
A major fire at a shophouse in Mangga Dua caused losses estimated at Rp 20 billion.
A massive fire engulfed a five-story shophouse in Mangga Dua, North Jakarta, on Monday (4/8/2025). The fire is thought to have originated from…electrical short circuitThe fire on the fourth floor quickly spread to the fifth floor, causing significant damage. According to Gatot Sulaiman, Head of Operations for the North Jakarta Gulkarmat Sub-dept., the losses from this incident are estimated to reachRp. 20 billion.
The fire was first reported by an employee on the fourth floor at around 10:00 a.m. WIB. The employee saw sparks from the cables and attempted to extinguish them with a portable fire extinguisher (APAR), but the rapidly spreading blaze was uncontrollable. The burned area, the fourth and fifth floors of the AGRES ID building, is estimated at 3,000 square meters.
Firefighters immediately responded to the report and arrived at the scene at 10:16 a.m. WIB. 17 fire trucks And 100 personnel Firefighters were deployed to extinguish the fire. Thanks to the officers’ alertness, the fire was brought under control and the extinguishing operation was declared complete at 1:30 p.m. WIB.200 employeesThose inside the building were successfully evacuated and survived without injury.
Insurance and Risk Management Review:
A shophouse fire that causes significant financial losses requires proper insurance coverage. The following types of insurance are relevant in this case:
- Insurance Property All Risks
Apart from fire, this insurance can also cover losses due to other risks such as damage due to explosions, lightning strikes, or even certain natural disasters. - Employment Insurance/Personal Accident Insurance
Even though 200 employees survived, if any employees are injured while trying to extinguish the fire or during the evacuation, this insurance will cover medical expenses. - Business Interruption Insurance
This insurance will replace lost income or profits during the repair and restoration period.
A Tobacco Warehouse in Kudus Burns to Death, Losses Estimated to Reach Half a Billion Rupiah!
A tobacco storage warehouse owned byPT Jaleca fire on Jalan Tengah, Gondangmanis Village, Kudus, was engulfed in flames on Monday (August 4, 2025) at around 7:30 p.m. WIB. The fire destroyed piles of flammable materials such as tobacco, coffee grounds, and corn husks (husks). The losses are estimated to reach a fantastic figure, namely around Rp. 500 million.
According to Security Squad Commander Very Ristianto, the fire was first spotted while on night patrol. He found thick smoke billowing from the corn husk storage warehouse. After forcing open the locked door, the fire spread rapidly. The limited availability of portable fire extinguishers (APAR) and water sources on site prevented the blaze from getting out of control.
Initial suspicions of the cause of the fire point to hot steam from a pile of sacksInside a poorly ventilated warehouse. The 25×25 meter warehouse was intended solely for storage and lacked ventilation, making the conditions inside highly conducive to the fire’s rapid spread. Fortunately, the fire was prevented from spreading to other buildings thanks to a perimeter wall.
The extinguishing process involved a joint team from various agencies, including Kudus BPBD Fire Department, Satpol PP, and Fire Department from several private companies, assisted by residents, employees, and volunteers. Authorities are still investigating to determine the exact cause of the fire, while teams on the ground continue to work on cooling the area to prevent the fire from reigniting.
Source : https://suarabaru.id/2025/08/05/kebakaran-gudang-tembakau-pt-jaleca-kudus
Insurance and Risk Management Review:
A warehouse fire that causes significant losses certainly requires comprehensive insurance coverage. The following types of insurance are relevant in this case:
- Fire Insurance
This insurance will cover financial losses due to damage to the warehouse building and its contents (tobacco materials, coffee grounds, and corn husks) that are burned. - Stock Insurance
Protects inventory or stock held in the warehouse. This insurance will cover the value of losses resulting from these items. - Business Interruption Insurance
This insurance will replace lost income or profits during the warehouse repair and restoration period.
Training Plane Crashes in Bogor Cemetery, Killing One Indonesian Air Force Officer
Training Plane Crashes in Bogor Cemetery, Killing One Indonesian Air Force Officer
A tragic incident occurred on Sunday (August 3, 2025), when a microlight fixed-wing Quicksilver GT500 training aircraft with registration number PK-S126 crashed into a public cemetery in Ciampea, Bogor Regency. The accident killed one Indonesian Air Force officer, Air Marshal Fajar Adriyanto, who fell.
According to a report from Kompas TV, the plane, flying from Pondok Cabe, South Jakarta, crashed at around 9:00 a.m. Western Indonesian Time (WIB). The Indonesian Air Force (TNI AU) confirmed that the plane took off from Atang Sanjaya Air Base at 9:08 a.m. WIB for a training mission. Approximately 11 minutes later, contact was lost and the crash site was found.
The accident also left another person seriously injured and in critical condition. Air Marshal Fajar’s body and the injured were immediately evacuated to Atang Sanjaya Hospital in Bogor. However, Air Marshal Fajar was pronounced dead upon arrival at the hospital.
According to Suntari, a member of the Bogor Regency Search and Rescue (SAR) team, the weather was clear at the time of the incident and there were no problems. Residents, village officials, and neighborhood association (RT) and community unit (RW) officials evacuated the scene before the SAR team arrived. The Indonesian Air Force expressed its deepest condolences for the loss of Air Marshal Fajar, a member of the Indonesian Aerosport Federation (FASI).
Insurance and Risk Management Review:
Training aircraft accidents like this involve several types of insurance that are crucial to provide financial protection for the victims and their families.
- Aircraft Insurance
This insurance will cover loss or damage to the aircraft itself. - Aviation Personal Accident Insurance
This insurance specifically protects the flight crew (pilot and co-pilot) and passengers from the risk of flight accidents. - Third-Party Liability Insurance
If a plane crash causes damage to third-party property, such as a public cemetery or other nearby facilities, this insurance will cover the compensation costs.
A ship caught fire in Bontang waters after fuel spilled into the ship’s engine.
A horrific incident occurred in the waters off Beras Basah Island, Bontang, on Sunday (August 3, 2025) at 11:20 a.m. WITA. A boat carrying seven passengers, including three small children, suddenly caught fire. According to Eko Mashudi, Head of the Prevention and Response Division of the Bontang Regional Disaster Management Agency (BPBD), the accident was triggered by negligence while refueling at sea.
Eko explained that when the ship’s owner was about to refuel, the large waves caused fuel to spill onto the ship’s hot engine. Sparks immediately erupted and quickly engulfed the entire vessel.
Fortunately, BPBD officers on patrol spotted thick smoke billowing from the crash site, just a few miles away. They immediately approached the scene to evacuate. With the help of local fishermen, all passengers were rescued. One passenger even jumped into the sea but was rescued.
Although there were no fatalities, the passengers, especially the children, were traumatized and in shock. They were immediately taken to Tanjung Laut Port for first aid from the medical team. Following this incident, Eko urged the public and fishermen to be more vigilant and careful when refueling, and to ensure the boat’s engines and installations are in good condition.
Insurance and Risk Management Review:
In a ship fire incident like this, several types of insurance become very relevant to cover the losses that occur:
- Hull Insurance
Insurance that protects the physical condition of the ship from various risks, including fire. - Third-Party Liability Insurance
Covers losses caused by a ship to another party. If a fire from a burning ship spreads and damages another ship, this insurance will cover the cost of compensation. - Personal Accident Insurance
Even if all passengers are safe, if anyone is injured, this insurance will cover medical expenses.
Tragedy at Bali Echo Warehouse: Three Workers Die While Dismantling Supporting Columns
A tragic workplace accident befell four workers at a bicycle warehouse owned by Bali Echo in Banjar Seribatu, Penglumbaran Village, Bangli, on Saturday (August 2, 2025). The incident claimed the lives of three workers and left another in critical condition. The tragic incident occurred while the victims were dismantling a support pillar from a water reservoir.
It is strongly suspected that the victims died due to lack of oxygen in a poorly ventilated reservoir. Three victims died at the scene: I Nengah Darman, I Wayan Buda Adnyana, and I Ketut Juliawan. Meanwhile, one survivor, Anak Agung Putu Rimbawan, remains in intensive care at Bangli Regional Hospital.
Bangli Police Criminal Investigation Unit Head, AKP I Gusti Ngurah Jaya Winangun, stated that his team had secured the location, interviewed witnesses, and conducted a crime scene investigation. “We are continuing the investigation to determine the exact cause of this accident,” he said.
The police urged business owners to always prioritize workplace safety, especially for high-risk work in confined spaces. The victims’ bodies have been returned to their respective homes.
Source : https://www.baliberkabar.id/2025/08/tragedi-kecelakaan-kerja-di-gudang.html
Insurance and Risk Management Review:
The workplace accident incident that killed and injured workers at the Bali Echo warehouse has several very relevant insurance aspects:
- Employee Health Insurance
This insurance can cover medical expenses. - Employer’s Liability Insurance
Cover legal costs and compensation that must be paid by the company if it is proven to be negligent in maintaining occupational safety. - Personal Accident Insurance
Providing compensation to the heirs of deceased victims and medical expenses for injured victims.
From the various incidents that have occurred, one thing is clear: risks can strike at any time and in any form. Adequate protection through various types of insurance, from vehicle insurance, fire insurance, personal accident insurance, to legal liability insurance, is a vital part of an effective risk management strategy. If you are a business owner, asset owner, or company manager, ensure you have appropriate insurance coverage. This article is summarized by L&G Insurance Broker, a trusted partner in insurance protection solutions for businesses and individuals. Contact us now via WhatsApp at 0811-8507-773 for free consultation and maximum protection for you and your business.
