Over the past week, a series of accidents and fires have rocked various regions across Indonesia—from a tour bus’s brake failure on the Gandulan Toll Road to a house and shop fire in East Lombok. Total losses from these incidents reached billions of rupiah, with fatalities and injuries in several locations. This phenomenon reiterates the importance of risk management awareness and proper insurance protection for individuals, businesses, and transportation operators. Without adequate protection, a single unexpected event can have severe and lasting financial impacts.
Brake Blow on the Gandulan Toll Road! Group Tourism Bus NudistSemarang Overturns, Killing 4 and Injuring Dozens
A single-vehicle accident involved a tour bus carrying the Bendan Ngisor Village Health Forum (FKK) group in Semarang City on the Gandulan Toll exit in Pemalang Regency on Saturday (October 25, 2025). The tragic incident killed four people and injured dozens more.
According to the Head of Traffic at Pemalang Police, AKP Arief Wiranto, the bus carrying a total of 34 people consisting of 31 passengers and three crew members overturned after the driver failed to control the vehicle when turning off the toll road.
“Four people died, one suffered serious injuries, 13 suffered minor injuries, and 16 survived,” Arief said. The victims are currently receiving treatment at Siaga Medika Hospital, Al Ikhlas Islamic Hospital, and Prima Medika Islamic Hospital in Pemalang.
Initial suspicions indicate that the accident was caused by a technical issue with the braking system. This is supported by the statement of the tour leader, Riyan, who said the driver had complained of brake failure before the bus lost control and overturned onto the right side of the road.
“The driver said his brakes were loose and couldn’t brake. The bus hit the divider and the window shattered. I was thrown out,” he said.
The police are still conducting an in-depth investigation with the assistance of the Traffic Accident Analysis team from the Central Java Regional Police Traffic Directorate to determine the exact cause of the accident.
Source : https://korlantas.polri.go.id/diduga-rem-blong-bus-pariwisata-alami-kecelakaan-di-tol-pemalang/
Insurance and Risk Management Review:
To minimize similar risks and manage the financial impact effectively, tour operators and organizers should have the following protections in place:
- Passenger Accident Insurance
Provides compensation for death, permanent disability, or injuries suffered by passengers due to accidents during the trip. - Commercial Motor Vehicle Insurance
Covers vehicle damage due to accidents, fire or loss. - Third Party Liability Insurance
Protecting transportation companies in the event of legal claims from external parties due to physical or material losses. - Life & Health Insurance for Crew and Passengers
Guarantees medical costs and compensation for victims of injury or death.
Haryanto Bus Overturns on Semarang–Batang Toll Road! 3 Dead, 20 Injured Due to Heavy Rain and Tire Slippage
A PO Haryanto bus with police number B 7394 VGA had a single accident on the Semarang–Batang Toll Road KM 354 Route B, precisely in Ponowareng Village, Tulis District, Batang Regency, Central Java, on Sunday (26/10/2025) at around 22.35 WIB.
The bus driven by Ali Yudianto (36), a resident of Pati, overturned after allegedly losing control due to a tire slipping in heavy rain. The accident killed three people and injured 20 other passengers, while 12 people were reported to have survived.
According to the Head of Traffic at Batang Police, AKP Eka Hendra Ardiansyah, the road conditions at the time of the incident were straight, flat, and the concrete surface was good, but extreme weather and slippery roads were suspected to be the main triggers of the accident.
“The bus was traveling in the left lane during heavy rain and light traffic. It’s suspected a tire slipped, causing the vehicle to swerve to the left, hit the road divider, and then roll over to the right,” explained AKP Eka.
The injured victims ranged from adults to children, mostly from the cities of Tangerang, Jepara, and Pati. They are currently receiving intensive care at Batang Regency Hospital and QIM Batang Hospital.
The police are still conducting a thorough investigation into the technical condition of the vehicle and the speed of the bus when the incident occurred to determine the exact cause.
Insurance and Risk Management Review:
In order to minimize the financial impact of similar accidents, transportation companies such as PO Haryanto need to have comprehensive insurance protection, including:
- Passenger Accident Insurance
Provides compensation for passengers who die, become permanently disabled, or are injured during the trip. - Commercial Motor Vehicle Insurance
Covers the costs of repairing or replacing the bus due to accidents, overturning, fire or other physical damage. - Third Party Liability Insurance
Protects the company if an external party demands compensation for losses or injuries caused by vehicle operations. - Personal Accident Insurance for Driver & Crew
Provides protection to drivers and crew against the risk of injury or death while on duty.
Wooden Ship Catches Fire in Riau Strait! Suspected of Carrying Fuel, Ship Sinks After Fire Extinguished
A wooden motorboat reportedly caught fire in the Riau Strait on Thursday (October 23, 2025) at around 5:00 a.m. Western Indonesian Time. The flames, which engulfed the entire vessel, were finally extinguished by a team from the Tanjung Uban Class II Marine and Coast Guard Base (PPLP), but the vessel sank after the extinguishing operation was completed.
Head of the PPLP Base, Sugeng Riono, explained that the team immediately deployed the KN Sarotama P-112 to the location of the incident after receiving a report of a ship on fire in the middle of the sea.
“The ship’s cargo, one drum of Pertamax fuel, was successfully secured,” said Sugeng, Thursday (23/10/2025).
Until now, officers are still searching for the crew and owner of the ship, while also guarding the area around the location to prevent potential marine pollution due to fuel spills.
“At around 07.00 WIB, the fire was successfully extinguished, but the wooden ship eventually sank to the bottom of the Riau Strait waters,” he concluded.
Source: https://rri.co.id/daerah/1921051/kapal-motor-terbakar-dan-tenggelam-di-perairan-bintan
Insurance and Risk Management Review:
To anticipate similar losses in the future,PT MSAshould have:
- Marine Hull Insurance
Provides protection against damage or loss of the vessel due to fire, collision or sinking. - Marine Cargo Insurance
Protecting the ship’s cargo (including fuel or other valuables) from the risk of fire, sinking and loss during shipping. - Protection & Indemnity (P&I) Insurance
Provides legal liability protection for ship owners in the event of damage to the marine environment or injury to crew members due to incidents such as this. - Marine Pollution Insurance (Pollution Liability Insurance)
It is essential for ships carrying fuel to cover the costs of cleanup and compensation for oil or hazardous material spills at sea.
Nissan X-Trail Catches Fire in the Middle of Sudirman Street! Suspected Engine Short Circuit, Losses Reach Rp110 Million
A Nissan X-Trail car with police number A 1456 ME was reported to have caught fire near the Bendungan Hilir Busway Stop, Jalan Jenderal Sudirman, Tanah Abang, Central Jakarta, on Sunday (5/10/2025) afternoon.
The Head of the Central Jakarta Fire and Rescue Agency (Gulkarmat), Asril Rizal, explained that a report of the fire was received at around 12:30 a.m. WIB from a resident named Novan. Initial suspicions indicate the fire originated from an electrical short circuit in the engine of the 2011 car.
A fire truck with four personnel was immediately dispatched from the Bendungan Hilir Post. Officers arrived five minutes later and successfully contained the fire at around 1:00 PM WIB. The cooling process was completed at 1:19 PM WIB with no casualties.
The estimated loss is around Rp 110 million. According to officers, the driver, Calvin, and his wife, Angela, were traveling from BSD City to Jakarta. While passing through the Semanggi area, Calvin saw smoke coming from the hood.
He immediately pulled over, opened the hood, and found the vehicle already on fire. The two of them immediately escaped before the flames engulfed the entire car and all the personal belongings inside, including a wallet containing the vehicle registration certificate (STNK), a class-class driver’s license (SIM), an ID card (KTP), and Rp 300,000 in cash.
Insurance and Risk Management Review:
To prevent major financial losses due to incidents like this, car owners should consider:
- Motor Vehicle Insurance (Comprehensive/All Risk)
Covers losses due to fire, collision, theft, or other risks that cause damage to vehicles. In these cases, insurance can replace the value of the burned car and personal belongings. - Third Party Liability Insurance
Useful if the fire causes damage to other parties, for example vehicles or property around the scene of the incident.
A cardboard warehouse in Bandung was completely destroyed by fire. The fire was only extinguished after 14 hours, causing losses of billions of rupiah.
A massive fire engulfed CV Surya Buana’s cardboard warehouse in the Babakan Ciparay area of Bandung City, West Java, early Saturday (October 25, 2025). The blaze engulfed two warehouse buildings and two parked cars.
The incident occurred around 3:00 a.m. WIB at Jalan Cibolerang No. 34, North Margahayu Village. Panicked residents, seeing the growing fire, immediately reported the incident to the Bandung City Fire and Rescue Department (Diskar PB).
Fifteen fire trucks were deployed to extinguish the blaze, which spread rapidly due to the flammability of the cardboard. Firefighters battled through the afternoon, finally extinguishing the fire around 5:30 p.m. WIB (Western Indonesian Time) after a lengthy cooling process.
“The fire was completely brought under control after more than 14 hours of extinguishing efforts,” said Leon, Head of the Fire and Rescue Department of the Bandung City Fire and Rescue Agency.
According to Leon, the fire is believed to have originated in the cardboard storage area and spread rapidly. While there were no casualties, two cars and most of the warehouse were destroyed. Twenty employees who were at the scene managed to escape.
The burned area covered 9,400 square meters of land, covering a total of one hectare. Firefighters managed to prevent the fire from spreading to nearby residential areas. “The estimated value of the buildings and salvageable property is around Rp 7.5 billion,” Leon added.
Insurance and Risk Management Review:
To prevent major financial losses from such incidents, companies should consider:
- Commercial Property Insurance (Industrial Property Insurance)
Covers damage due to fire, explosion, lightning and other risks to buildings, equipment and stock in the warehouse. - Motor Vehicle Insurance (Fleet Insurance)
Protecting two company vehicles that were also burned so that losses can be replaced according to market value. - Business Interruption Insurance
Replacing potential lost revenue due to the cessation of operational activities after a major fire like this.
An electrical short circuit destroyed a house and a shop in East Lombok, causing losses of up to Rp1 billion.
A house and building materials shop belonging to Zainal Abidin, S.Pd., in Teko Daya Hamlet, Teko Village, Pringgabaya District, East Lombok Regency, was destroyed by fire on Saturday afternoon (October 25, 2025). The fire is strongly suspected to have been caused by an electrical short circuit and caused material losses of approximately Rp1 billion.
According to Sofiyan Hadi, Head of Rescue and Evacuation at the East Lombok Fire and Rescue Agency, the first report was received from residents around 1:46 p.m. WITA. A firefighting team from the Pringgabaya Post was immediately dispatched to the location with one vehicle and six personnel, followed by additional assistance in the form of three fire trucks and 13 personnel from the Fire and Rescue Agency Headquarters.
Officers arrived at the scene around 2:15 p.m. WITA and immediately began extinguishing and cooling the affected area. The fire was fully under control by 4:10 p.m. WITA.
“There were no fatalities or injuries in this incident, but most of the building and the contents of the shop were burned down,” explained Sofiyan.
Initial investigations indicate that the fire originated from an electrical short circuit in one part of the house, which then spread quickly to the shop due to the presence of many flammable materials.
Sofiyan urged the public to be more alert to the potential for electrical short circuits, especially in businesses with high electrical loads.
“Ensure safe electrical installations, use SNI standard cables, and avoid overlapping connections that could trigger fires,” he stressed.
Insurance and Risk Management Review:
In order to minimize major losses like this in the future, property owners and similar businesses are strongly advised to have protection:
- Property Insurance (Property All Risks)
Covers damage or loss due to fire, electrical short circuits, explosions and other risks to buildings and shop contents. - Fire Insurance
Basic protection against fire, lightning strikes, explosions, and aircraft crashes. Suitable for shophouses and small businesses. - MSME Insurance
Guaranteeing business assets such as stock, equipment, and production machines so that business losses remain covered in the event of a disaster. - Business Interruption Insurance
Provides compensation for lost income due to temporary business shutdown due to disasters such as fire.
A ship carrying 195 tons of cement sank off Karimun Island, leaving one crew member missing and four survivors after hitting a reef.
A Motor Sailing Ship (KLM) Green 6 carrying 3,900 sacks of cement weighing 195 tons was reported to have sunk in the waters of Terumbu Stail, Moro Island, Karimun Regency, Riau Islands, on Saturday (25/10/2025).
The incident resulted in one crew member (ABK) going missing and is still in the search process by the joint SAR team.
Meanwhile, four other crew members were successfully rescued after being evacuated by a joint team from the Tanjungpinang Basarnas, the Karimun Police Polairud, and the Tanjung Balai Karimun Naval Base.
Head of Tanjungpinang Basarnas, Fazzli, confirmed the incident.
“One RIB unit from the Tanjung Balai Karimun SAR Post together with Basarnas personnel are still conducting a search around the location where the ship sank,” he said, Saturday (25/10).
The ship was reportedly sailing from PT Semen Bosowa Kabil Port in Batam on Friday (October 24th) to Karimun Regency. While crossing the waters off Moro Island, it allegedly struck a reef, causing it to run aground and develop a serious leak before sinking.
Before help arrived, another ship near the scene, KM MELCI 88, had time to help with the crew evacuation process.
“The captain asked for help and nearby ships immediately moved to help,” explained Fazzli.
The following is a list of KLM Green 6 crew members:
✅ Safe:
- Baharudin (50) – Ship Captain
- Edy Gusyadi (47) – Crew Member
- At the beginning (21) – ABK
- Akuang (70) – ABK
❌ Missing:
- Andika (18) – ABK
Source :
Insurance and Risk Management Review:
To prevent major financial losses from incidents like this, shipowners and cargo owners should consider:
- Marine Hull Insurance
Protecting the ship from physical damage due to sinking, collision or grounding as in this incident. - Marine Cargo Insurance
Covers losses of ship cargo (in this case 3,900 sacks of cement) due to maritime accidents, including sinking or damage due to sea water. - Protection and Indemnity (P&I) Insurance
Provides legal protection against third party claims, such as crew accidents, marine pollution, or damage to other parties’ property. - Personal Accident Insurance for ABK
Provides compensation if crew members are injured, disabled, or die while working at sea.
This series of tragic events serves as a stark reminder that the risks of fire, transportation accidents, and maritime disasters can happen anytime, anywhere, and to anyone. By having the right insurance coverage—starting fromProperty All Risks, Commercial Vehicle, until Marine Hull & Cargo Insurance— communities and businesses can shift potential significant losses into manageable coverage. Amid the increasing intensity of incidents across various sectors, awareness of the importance of insurance is no longer an option, but a fundamental necessity for maintaining business sustainability, assets, and future financial security.
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.
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