Liga Asuransi – In recent days, Indonesia has been rocked by a series of tragic incidents that have claimed lives and caused significant losses, across the industrial, transportation, and public facilities sectors. From workplace accidents in factories, shophouse and warehouse fires, to the collapse of a prayer room at an Islamic boarding school, each of these incidents has not only left grief but also served as a reminder of the importance of safety, risk management, and insurance protection.
Contact L&G Insurance Broker now at 08118507773 for a free consultation before the risks haunt your business.
Horrific Workplace Accident at PT KTM: 100°C Liquid Sprays, Killing One Person
Lamongan Police are currently investigating a tragic work accident that occurred at PT Kebun Tebu Mas (KTM) Sugar Factory, Ngimbang District, which killed Kunarto (41), a resident of Sidoarjo, on Monday morning (29/9/2025).
Head of Public Relations of Lamongan Police, First Inspector M Hamzaid, confirmed the incident and explained that currently The Criminal Investigation Unit is currently conducting an investigation to determine the causes and occupational safety standards in the factory.
Based on witness statements, the incident began on Sunday (28/9) at around 23.30 WIB when the channel…flash tank experienced a blockage. Kunarto, as the technical team leader, instructed five team members—Darmaji, Ari Joko, Gandi, Darminto, and Kartono—to repair the system to prevent production from halting.
Initially, the team tried to open the outlet pipe bolts but failed, so Kunarto ordered the use of a blender pipe, although some members considered it high risk. At around 2:30 a.m. WIB, palm sap liquid at 100°C suddenly sprayed from the pipe, hitting Kunarto’s body on the 12 meter high platform, causing him to fall.
One of the team members, Darmaji, was also splashed with hot liquid on his hand. The scene was filled with smoke, and the team was only able to evacuate the victim 30 minutes later. Kunarto was pronounced dead with burns on his body and was rushed to the hospital Ngimbang Regional Hospital.
The police are currently questioning a number of witnesses and gathering evidence to determine the causal factors and compliance with occupational safety standards at the factory.
Insurance and Risk Management Review:
Incidents like this underscore the importance of financial protection. Some relevant insurance products include:
- Work Accident Insurance
Protects workers if they are injured or die while working. - Corporate Liability Insurance
Covering claims of workers or their families resulting from work accidents. - Property & Factory Machinery Insurance
Protecting plant assets, including flash tanks and production equipment, from damage due to accidents or fire risks.
A gas leak is the culprit, causing a laundry shophouse to burn down, resulting in a loss of Rp150 million!
A laundry shop in Ali Bridal Street, Ciracas, East Jakarta, burned down on Tuesday (30/9/2025) morning. According to the statement Head of Operations for the East Jakarta Gulkarmat Sub-dept., Abdul Wahid, the fire is thought to have been triggered by a gas leak from the iron dryer.
The incident began around 9:40 a.m. WIB when local residents reported the flames to the fire station. Just nine minutes later, a fire engine was deployed to provide an initial response.
At the time of the incident, residents panicked as the fire spread rapidly. Officers quickly extinguished the fire and secured the area to prevent anyone from approaching. According to reports, the fire started when an employee was ironing clothes and heard the sound of gas leaking from the iron, which then triggered the explosion.
The fire was successfully localized at 9:52 a.m. WIB and declared completely extinguished at 10:02 a.m. WIB. Although there were no fatalities, material losses from the fire are estimated at Rp. 150 million.
Insurance and Risk Management Review:
To prevent similar risks from causing major losses, laundry business owners should consider:
- Commercial Property Insurance (Property All Risk/Fire Insurance)
Protects shophouse buildings, washing machines, steam irons and other equipment from fire, explosions and electrical short circuits. - Micro, Small, and Medium Enterprises Insurance (SME Insurance)
Provides comprehensive protection for small businesses such as laundries, including protection for assets, stock, and post-fire repair costs. - Public Liability Insurance
Covers potential claims if the fire spreads and damages neighboring buildings or assets.
Palm Oil Tanker Truck Overturns in Merauke, 2-Year-Old Toddler Dies in Fatal Tragedy!
A horrific single accident occurred on Jalan Mainroad 5/6, Division III area of PT Berkat Cipta Abadi, Selil Village, Ulilin District, Merauke, South Papua, on Friday (26/9).
A tanker truck carrying palm oil (CPO) with police number PA 9488 GF driven by YB overturned into a ditch after losing control due to slippery road conditions following heavy rain.
This tragic incident claimed the life of a two-year-old toddler, identified as KS. Meanwhile, the driver, YB, and another passenger, MMT, suffered serious injuries.
Merauke Police Chief, AKBP Leonardo Yoga, confirmed the incident through Public Relations Chief First Inspector Andre MS. He explained that the Muting Police, along with officers, residents, and the company, immediately conducted an evacuation and processed the crime scene.
“Officers immediately secured the scene, interviewed witnesses, and gathered evidence to determine the cause of the accident. Initial suspicions are that the truck skidded due to the wet road and the driver’s carelessness,” he said.
The two injured victims have been referred to Merauke Regional Hospital for medical treatment, while KS’s body was taken to the funeral home in the Division III PT Berkat Cipta Abadi complex before being buried in Merauke.
Insurance and Risk Management Review:
This case demonstrates the high risks in the palm oil plantation and CPO transportation sectors. Some relevant insurance types include:
- Commercial Vehicle Insurance
Protects tanker trucks from damage due to accidents, overturning, or fire. - Cargo Insurance
Ensuring that the crude palm oil (CPO) cargo remains protected if it is damaged or lost due to an accident. - Personal Accident Insurance
Provides compensation for drivers, passengers, and workers who suffer permanent disability or die due to work accidents. - Third Party Liability Insurance
It is important if the accident causes victims from the community or parties outside the company.
The Pinisi Tiga Jaya 01 ship caught fire in Labuan Bajo while refueling, leaving two crew members with burns.
Pinisi ShipThree Jaya 01 caught fire while anchored in the Labuan Bajo Marina Port area, West Manggarai Regency, NTT, on Monday night (29/9/2025).
Head of KSOP Labuan Bajo,Stephanus Risdiyanto, said the initial suspicion that the cause of the fire wasfuel spillduring the filling process, whilethe generator set is still on.
In the incident there were no fatalities, how ever two crew members suffered minor burns and is currently being treated in hospital. At the time of the incident, the ship was only manned by three people.
The fire that had grown large was successfully extinguished in about a minute.20 minutesThanks to the assistance of firefighters, patrol boats, and lifeboats located nearby, the ship has now been secured and is no longer obstructing shipping lanes.
Insurance and Risk Management Review:
This case highlights the importance of risk protection in the maritime transport sector. Relevant insurance types:
- Marine Hull Insurance
Protecting ships from losses due to fire, collision, sinking and other physical damage. - Marine Liability Insurance
Covers third party losses, including if the fire causes damage to other ships or port facilities. - Personal Accident & Crew Insurance
Providing compensation or medical treatment for crew members injured due to work accidents at sea. - Marine Cargo Insurance (if the ship is carrying a cargo)
Guarantees the value of the goods transported from the risk of fire, sinking, or damage during shipping.
A shipping truck caught fire while queuing to board a ship in Merak, causing dozens of packages destined for Lampung to be lost.
An expedition truck was destroyed by fire while queuing to board a ship at Pier 1 of Merak Port, Banten. The fire broke out early Friday (September 26) at around 12:05 a.m. WIB.
Before the flames erupted, witnesses saw smoke billowing from the truck’s box, which was carrying various packages bound for Lampung. The Cilegon Fire Department received a report of the fire at 12:24 a.m. WIB.
“Yes, last night there was an incident involving a truck catching fire. The fire brigade team was immediately deployed to the location,” said Cilegon Fire Brigade Platoon Commander, TB Hujaemi.
The firefighting process was dramatic because the fire spread so quickly. It took more than three hours to completely control the blaze.
Police are still investigating the cause of the fire. The Cilegon Police Inafis Team is conducting a crime scene investigation to determine the source of the fire. The estimated losses from the incident are still being assessed.
Source: https://news.detik.com/berita/d-8131281/truk-ekspedisi-terbakar-di-pelabuhan-merak
Insurance and Risk Management Review:
To prevent major financial losses due to incidents like this, shipping companies should consider:
- Commercial Vehicle Insurance
Protect truck vehicle assets from the risk of fire, accidents or damage. - Cargo Insurance
Ensures that the goods sent remain protected in the event of fire, loss or damage during shipping. - Third Party Liability Insurance
Provides protection if a fire or accident causes loss to another party (for example damage to port facilities or other vehicles).
The prayer room at the Al-Khoziny Islamic Boarding School collapsed during prayer, injuring 79 students and leaving one dead.
The main prayer room of the Al-Khoziny Islamic Boarding School (Ponpes) in Buduran Village, Sidoarjo, East Java, collapsed on Monday afternoon (September 29, 2025). Several students were inside the prayer room at the time of the incident and were trapped under the rubble.
- The prayer room is still under construction.
One of the students, Muhammad Wafiq, said that the upper floor of the prayer room was being poured when cracks suddenly appeared. Shortly afterward, the upper floor collapsed onto the lower floor.
- Students in the middle of Asr prayer
At the time, the students had just performed the Asr prayer in congregation. The previously completed first-floor prayer room had been used for worship. The accident occurred while the students were reciting the wiridan (religious prayer) after prayers.
- Students Trapped in Rubble
The Deputy Governor of East Java, Emil Dardak, said that three students were trapped on the second floor. However, the evacuation process was very difficult because access was blocked by debris.
- Fatalities and Injuries
The Head of Public Relations for the East Java Regional Police, Senior Commissioner Julest Abraham Abas, stated that one student died. Additionally, 79 people were injured and treated at two hospitals: Siti Hajar Hospital (45 victims) and Sidoarjo Regional Hospital (34 victims).
- Dramatic Evacuation
A joint search and rescue team, along with the Regional Disaster Management Agency (BPBD), was deployed to the scene. The evacuation process was dramatic, with extraction equipment used to open access to the rubble. Two victims were found alive, despite being trapped under the rubble for a considerable period.
Insurance and Risk Management Review:
This disaster highlights the importance of protecting against construction risks, accidents, and occupant safety. Relevant insurance types include:
- Construction Insurance (Contractors’ All Risk Insurance / CAR)
Protecting building projects during the construction process from the risk of collapse, structural errors, or disasters. - Property Insurance (Property All Risk Insurance)
Provides protection for buildings/prayer rooms from the risk of fire, explosions, collapses and natural disasters. - Group Personal Accident Insurance
Guarantees students, administrators and construction workers in the event of an accident that results in permanent disability or death. - Public Liability Insurance
It is important for institutions/Islamic boarding schools if a building collapse results in a claim from the victim’s family or a third party.
A Bandung parts warehouse was completely destroyed by fire, causing losses of up to 1 billion rupiah.
A massive fire engulfed an automotive parts warehouse in the Cinunuk area, Cileunyi District, Bandung Regency, West Java. The warehouse was quickly engulfed in flames due to its large storage of flammable materials.
Six fire trucks from Bandung Regency and Bandung City were deployed to the scene to extinguish the blaze. Firefighters faced serious challenges due to the limited water resources nearby, requiring frequent trips to refill tanks from a distance.
After battling for nearly an hour, the fire was finally extinguished. Preliminary suspicions are that it was caused by an electrical short circuit inside the warehouse.
The incident caused estimated losses of over Rp 1 billion. Furthermore, a firefighter had to be rushed to the hospital due to shortness of breath during the firefighting process.
Source: https://www.metrotvnews.com/play/Ky6C1pnx-kebakaran-hanguskan-gudang-onderdil-kendaraan-di-bandung
Insurance and Risk Management Review:
This case demonstrates how vulnerable business assets are to fire risk. Relevant types of protection:
- Property Insurance (Property All Risk Insurance)
Covers the risk of fire, explosion, electrical short circuit, and material loss to the warehouse building and its contents. - Inventory Insurance
Protect the value of vehicle spare parts inventory from the risk of fire or other major damage. - Personal Accident Insurance
Provides compensation for employees or officers who are injured at work, including during emergency situations such as fire. - Public Liability Insurance
Useful if the fire spreads and damages buildings or third party assets around the location.
This series of events demonstrates that risks can occur anytime and anywhere, whether in business activities, transportation, or everyday life. Therefore, preventive measures through implementing safety standards and financial protection through insurance are essential. Hopefully, these incidents serve as valuable lessons for all parties to be more vigilant and strengthen our commitment to safeguarding the safety of people and assets.
DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.
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