In the past week, Indonesia has been rocked by a series of major accidents in the industrial, transportation, maritime, and public facility sectors. From a tire factory fire in Semarang that caused billions of rupiah in losses, to a diesel tanker accident in Purworejo, and the sinking of a ferry in West Kutai—all of these incidents highlight the increasing operational risks across various sectors, often stemming from a combination of technical factors, human error, and weak safety systems. This report presents a risk analysis and relevant insurance coverage recommendations to enable businesses, transportation operators, and asset owners to more comprehensively understand their risk exposure and take appropriate mitigation measures.
A diesel tanker truck overturned in Purworejo, hitting two cars and a kiosk. One person died and three were injured.
A multiple-vehicle accident occurred on the main Purworejo-Magelang route, in front of Kalijambe Market in Kalijambe Village, Bener District, Purworejo Regency, early Tuesday morning (November 11, 2025). A diesel tanker truck lost control and hit two cars and a roadside kiosk.
As a result of this accident, one person died and three others were injured. The victim who died was named Sutrisno (45), a resident of Genuk, Semarang, who was known to be a passenger in the truck.
Purworejo Police Chief AKBP Andry Agustiano led the evacuation process, along with the Indonesian National Armed Forces (TNI), the Transportation Agency, and the Purworejo Fire Department. Officers also cleaned up the diesel fuel spill to prevent a fire. Part of the Purworejo-Magelang route was temporarily closed, causing material losses of approximately Rp 50 million.
According to Purworejo Police Traffic Unit Chief, AKP Arta Dwi Kusuma, the Hino truck with license plate number H 9861 OF allegedly lost control on a busy, downhill road, then hit two cars in front of it (a Toyota Avanza and a Suzuki Carry) before hitting a kiosk and overturning. Police are currently investigating the exact cause of the accident.
Risk & Accident Review:
The accident involving a diesel tanker truck on the Purworejo-Magelang route demonstrates the high risk in the hazardous materials transportation sector. The primary contributing factor is suspected to be loss of control on a downhill, congested road, exacerbated by the flammable load. The impacts include loss of life, property damage, and potential environmental pollution from a fuel spill.
Types of Insurance Required:
- Commercial Vehicle Insurance (Motor Truck Cargo & Liability)
- Public Liability Insurance
- Personal Accident Insurance for truck drivers & crew
- Environmental Liability Insurance for the risk of hazardous material spills.
Technician Tragically Dies After Being Trapped in Restaurant Elevator in Surabaya
A technician with the initials AM (51) died after being trapped in a goods lift at a restaurant on Jalan Walikota Mustajab, Surabaya, on Monday (10/11/2025).
The incident occurred while the victim was repairing a food elevator on the second floor. As he partially entered the elevator shaft to check the system, the elevator suddenly rose from the first floor, pinning his upper body. AM was an on-call technician, not a permanent employee of the restaurant.
Joint officers from the Surabaya Police, BPBD, and Satpol PP evacuated the victim and concluded that this incident was a work accident due to mechanical malfunction and safety procedure errors.
Risk & Accident Review:
This accident highlights the weakness of safety procedures during elevator maintenance. The main risks include:mechanical failure, the absence of a systemlockout/tagout, as well as a lack of K3 supervision. Besides causing loss of life, incidents also have the potential to tarnish the restaurant’s reputation and create legal liability.
Types of Insurance Required:
- Personal Accident Insurance for technicians and contract workers.
- Public Liability Insurance to protect restaurants from claims by third parties.
- Work Accident Insurance (Workmen Compensation / BPJS Employment) for permanent employees.
- Insurance Property& Equipment Breakdown for protection against elevator damage and potential fire due to system failure.
Source: https://news.detik.com/berita/d-8203243/teknisi-lift-restoran-di-surabaya-tewas-terjepit
Three Cars Burned in Parking Area Under Flyover in Central Jakarta, One Resident Suffered Burns
A fire broke out in the parking area under the Karang Anyar Highway overpass in Sawah Besar, Central Jakarta, on Wednesday (November 12, 2025) at around 7:30 a.m. WIB. Three cars were destroyed, and one resident suffered burns.
Based on initial investigations, the fire is suspected to have originated from a gas leak in a Kijang car parked nearby. Sparks then spread to two nearby vehicles. Residents attempted to extinguish the blaze before seven fire trucks arrived on the scene.
The injured victim, Jajang (52), is now receiving medical treatment, while the police are still investigating the exact cause of the fire.
Risk & Accident Review:
This fire indicates a high risk in parking areas under public infrastructure due to potential fuel or gas leaks from vehicles. Key risk factors include: storing vehicles in enclosed areas without adequate ventilation, a lack of fire detection systems, and inadequate supervision of the use of auxiliary equipment such as portable gas stoves in cars. Impacts of the incident include property damage, human injury, traffic disruption, and potential legal liability for parking area operators.
Types of Insurance Required:
- Motor Vehicle Insurance to compensate for damage or fire to vehicles.
- Third Party Liability Insurance (Public Liability) for parking managers, to cover claims from vehicle owners or victims.
- Property & Fire Insurance if the parking area is a company asset or public facility manager.
- Personal Accident Insurance for protection of individuals who suffer burns due to an incident.
A textile shophouse in Fatmawati was completely gutted by fire. The fire was difficult to extinguish due to the pile of fabric.
A major fire engulfed a textile shophouse on Jalan RS Fatmawati Raya Number 15, Gandaria Selatan Subdistrict, Cilandak District, South Jakarta, on Tuesday (11/11/2025).
The fire that broke out in the morning forced firefighters (Gulkarmat DKI Jakarta) to work for more than three hours to control the fire.
The firefighting operation began at 9:52 a.m. WIB (Western Indonesian Time) and continued with cooling operations starting at 11:45 a.m. WIB. Sixteen fire trucks and 63 personnel were deployed to extinguish the pile of flammable textile materials inside the shophouse.
Officers continued spraying water inside and outside the building due to the large amount of fabric still containing embers. White smoke continued to billow from the site throughout the afternoon.
Until now, it is not known the exact cause of the fire and whether there were any casualties or injuries.
Risk & Accident Review:
The fire at this textile shop highlights the high risk in businesses dealing with flammable materials, such as fabric, paper, or plastic. Stacks of textiles in enclosed spaces allow the fire to spread quickly and become difficult to extinguish, even after primary extinguishing efforts have been completed.
Main risk factors among them: Accumulation of flammable materials without a good ventilation system, Potential for electrical short circuits due to high equipment and lighting loads, Absence of an automatic sprinkler system or early smoke detector.
Installation of active fire protection systems (sprinklers, smoke detectors), periodic electrical inspections, provision of evacuation routes, and emergency evacuation training for employees.
Types of Insurance Required:
- Commercial Property Insurance (Property All Risks Insurance) to protect buildings, contents, and fabric stock from the risk of fire.
- Business Interruption Insurance to cover lost income while the store is unable to operate after a fire.
- Public Liability Insurance to protect business owners if a fire spreads and causes losses to other parties, such as neighbors or visitors.
A tire factory in Semarang was completely destroyed by fire, causing one worker to suffer burns. Losses reached 1 billion rupiah.
A massive fire engulfed the UD Kurnia Indah car tire factory located at Jalan Industri V No. 335, Terboyo Industrial Estate, Semarang, on Tuesday afternoon (November 11, 2025). The blaze quickly engulfed the entire factory, causing an estimated Rp 1 billion in losses.
Based on initial reports, the fire is suspected to have originated from a spill of flammable tire glue. While a worker named Arifin was gluing tires in the vulcanization machine room, a spark caught the glue, triggering a massive blaze that quickly spread through the pile of tires and rubber ready for sale.
The Semarang City Fire Department deployed five fire trucks, but materials such as glue and rubber made the fire difficult to control. In less than 30 minutes, thousands of tires and several pieces of production machinery were destroyed.
There were no fatalities in this incident, but a worker suffered serious burns on his right arm and has received treatment at RSI Sultan Agung Semarang.
Genuksari Police Chief, Commissioner Rismanto, said that his team was conducting an investigation and had asked for information from a number of witnesses, including workers at the scene.
Risk & Accident Review:
The fire at the UD Kurnia Indah factory demonstrates the high fire risk in the tire processing and retreading industry, which uses flammable chemicals such as glue, solvents, and hot rubber. High-temperature production processes and exposure to chemicals increase the potential for flash fires.
The main risk factors include: Flammable materials (glue, rubber, solvents) stored in the production area, Heating and vulcanization processes have the potential to cause sparks, Lack of ventilation and automatic fire protection systems, Work safety (K3) training that is not optimal.
Types of Insurance Required:
- Commercial Property Insurance (Property All Risks Insurance) to protect buildings, contents, and fabric stock from the risk of fire.
- Work Accident Insurance (Personal Accident / Workmen Compensation Insurance) to cover medical costs and compensation for workers who suffer injuries due to work accidents.
- Business Interruption Insurance to cover potential loss of income while the factory is out of operation following a fire.
- Public Liability Insurance to protect factory owners if a fire causes losses to third parties around the industrial area.
Source: https://jateng.inews.id/berita/kebakaran-hebat-pabrik-ban-di-semarang-1-orang-luka-bakar/all
Ferry Sinks in West Kutai Waters, Killing 4 and Leaving 4 Missing
A ferry accident occurred in the waters off Ujoh Halang, West Kutai Regency, on Monday evening (November 10, 2025). After receiving a report from the West Kutai Regional Disaster Management Agency (BPBD), the Balikpapan Class A Search and Rescue Office immediately dispatched a joint SAR team to conduct a search and rescue operation.
Head of Operations and Alert Section, Endrow Sasmita, said that all resources have been deployed to expedite the search at coordinates 0°2’51.42″N 115°34’9.62″E. It is suspected that the ship sank due to overloading at night.
This operation involved Basarnas (National Search and Rescue Agency) Balikpapan, the Indonesian Army (TNI AD), the West Kutai Regional Disaster Management Agency (BPBD), and PT. BDL West Kutai. The Search and Rescue Unit (SRU) team departed from Balikpapan early Tuesday morning (November 11, 2025) and arrived at the location that afternoon to continue the search for the remaining missing victims, including Ira, Ilham, Pendi, Anci, Sello, Yanto, Dedy, and Bogel.
Basarnas appealed to fishermen and sea users in the surrounding area to be alert and immediately report if they find signs of victims.
Risk & Accident Review:
The ferry sinking in West Kutai demonstrated the high operational risks of water transportation, primarily due to overloading, low visibility at night, and inadequate navigation safety oversight. Key risk factors include inadequate carrying capacity, inadequate safety equipment (life jackets and lifeboats), and human error in ship control.
This incident resulted in human and economic losses, as well as potential legal liability for the ship operator. Strengthening maritime safety standards and regular operational audits are crucial to prevent similar accidents.
Types of Insurance Required:
- Marine Hull Insurance
Protecting the ferry from physical damage due to sinking, collision or fire at sea. - Marine Cargo Insurance
Provides protection for cargo and goods on board ships that are lost or damaged due to maritime accidents. - Passenger Liability Insurance
Guarantees compensation to passengers who are injured, lost, or die as a result of a ship accident. - Crew Personal Accident Insurance
Provides financial protection for crew members who are victims of shipping incidents. - Protection & Indemnity (P&I) Insurance
Bearing the ship owner’s legal responsibility towards passengers, third parties, or environmental damage due to maritime accidents.
Source: https://rri.co.id/samarinda/daerah/1966991/kapal-tenggelam-di-ujoh-halang-8-korban-hilang
A rice bran warehouse in Pasuruan was completely destroyed by fire, causing losses of hundreds of millions of rupiah.
A massive fire engulfed Yasin’s (56) bran warehouse in Tempuran Hamlet, Trewung Village, Grati District, Pasuruan Regency, early Wednesday morning (11/12/2025) at around 02.30 WIB. While residents were still sleeping, the fire suddenly grew and engulfed the entire contents of the warehouse, which contained piles of dry bran.
Residents, awakened by the smell of burning, immediately attempted to extinguish the fire with whatever tools were available, but the blaze quickly spread. Three fire trucks from the Pasuruan City and Regency governments were deployed to extinguish the blaze.
According to Grati Police Chief, First Inspector Prasetyo Budiarto, the initial suspicion is that the fire was caused by an electrical short circuit inside the warehouse. There were no casualties, but losses are estimated to reach hundreds of millions of rupiah. Officers are still investigating and are urging residents to inspect their electrical installations to prevent similar incidents.
Risk & Accident Review (100 kata):
The rice bran warehouse fire in Pasuruan demonstrates the high risk of storing flammable materials, particularly in buildings with limited ventilation and electrical systems that are not regularly monitored. Potential hazards stem from the flammability of rice bran dust, short circuits, and the lack of portable fire extinguishers on site. Risk impacts include total property loss, disruption of business operations, and potential injury to workers or nearby residents. Risk management should include regular electrical installation inspections, early fire detection systems, and emergency response training for workers.
Types of Insurance Required:
- Property All Risks (PAR) Insurance
Protect buildings and warehouse contents from fire, explosions, short circuits, and damage due to other risks. - Business Interruption Insurance
Covering income losses due to the cessation of business activities after a fire. - Public Liability Insurance
Protects business owners from third party claims if a fire causes losses around the location.
Source: https://beritajatim.com/gudang-katul-di-grati-pasuruan-ludes-terbakar-ratusan-juta-lenyap
See diverseBased on the incidents that have occurred, it is clear that the threat of risks in the field is not only increasingly complex but also has a direct impact on human safety, financial losses, and operational continuity. Each accident shows the same pattern: a lack of risk control, minimal routine maintenance, and negligence in implementing safety standards. Therefore, strengthening risk management and OHS compliance must go hand in hand with the right insurance coverage—from Property All Risks, Liability, Marine, to Business Interruption—to ensure businesses remain protected when unexpected risks occur. Ultimately, a company’s readiness to anticipate and mitigate risks is key to maintaining business continuity and protecting everyone involved.
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