A series of accidents and fires has once again rocked various sectors in Indonesia—from land and sea transportation, manufacturing, plantations, to retail and culinary businesses. These incidents are not merely sporadic events, but a stark reflection of the high exposure to operational risk, occupational safety, and asset management amidst ongoing economic activity. From trucks plunging into ravines on national roads, plantation workers being crushed to death by vehicles, to factories and warehouses engulfed in flames, resulting in billions of rupiah in losses, this week has presented a stark lesson on the importance of risk mitigation and adequate insurance protection.
Wing Box Truck Hits 3 Vehicles on HighwayDerivativeSumedang, One Truck Plunges into a Ravine
A traffic accident occurred on the Bandung-Cirebon National Road, specifically in the Nyalindung area, Paseh District, Sumedang Regency, on Monday afternoon (January 12, 2025). A wing box truck carrying fabric, with license plate number B 9741 BEU, allegedly lost control while navigating a winding, downhill road, hitting several vehicles and overturning.
The truck first collided with two other trucks, one of which was a blue truck with license plate E 8193-V, which was parked on the shoulder of the road. It pushed the truck and plunged into a seven-meter-deep ravine. A married couple on a motorcycle also suffered minor injuries after falling while avoiding the truck and hitting a telephone pole.
The driver of the wing box truck claimed to have lost control after being suddenly overtaken by a small car. Police are still investigating the exact cause of the accident.
Risk Accident Review
This accident illustrates the high operational risks of heavy vehicles on national roads characterized by steep slopes and sharp bends. Human factors, road conditions, braking techniques, and interactions with smaller vehicles are the primary triggers for multiple accidents. The risks include vehicle damage, cargo loss, injuries to drivers and other road users, and potential third-party claims. Furthermore, vehicles stopped on the shoulder of the road without adequate security increases exposure to secondary risks. This incident underscores the importance of transportation risk management, defensive driving training, and comprehensive insurance coverage for logistics fleets.
Types of Insurance Needed
- Motor Vehicle Insurance (Comprehensive / TLO)
Protects wing box trucks and other vehicles from accident damage. - Third Party Liability Insurance (TPL)
Covers claims for damage to other vehicles, property, and third party injuries. - Marine Cargo / Inland Transit Insurance
Protects fabric cargo from the risk of damage or loss due to accidents. - Driver & Passenger Personal Accident Insurance
Guarantees compensation for injuries or disabilities resulting from work accidents on the road.
Tragic Event at Palm Oil Plantation! PT SCEM Worker Dies After Being Trapped by Vehicle on Downhill Road
A work accident was reported on Monday morning (January 12, 2026) at a palm oil plantation owned by PT Sawindo Cemerlang (SCEM). The victim was identified as Moh. Irfan, a loading employee from Pinrang Regency, South Sulawesi.
The incident occurred while the victim was in a vehicle traveling on a plantation road with a sloping, potholed, and uneven road. The vehicle lost balance and skidded. In an attempt to escape, the victim attempted to get out of the vehicle but was trapped by the hardtop.
Despite first aid efforts, the victim was pronounced dead at the scene. Police and medical personnel confirmed the death was due to a work-related accident. However, the company issued a different statement, stating that the victim died from a long-standing illness.
Risk Accident Review
This accident reflects the high occupational risks in the plantation sector, particularly in vehicle operations on difficult terrain. Poor road conditions, extreme slopes, and inadequate vehicle safety are the main triggers for fatal accidents. The risks are exacerbated by the lack of occupational safety (OHS) systems, emergency evacuation procedures, and routine inspections of plantation infrastructure. In addition to the risk of worker fatalities, this incident also raises the potential for claims disputes, company reputational damage, and legal liability for the victims’ heirs. Integrated risk management and insurance protection are essential in this sector.
Types of Insurance Needed
- Work Accident Insurance (BPJS Employment / Employer’s Liability)
Guarantees death benefits and compensation to heirs. - Employee Personal Accident (PA) Insurance
Additional protection against the risk of fatal accidents beyond basic coverage. - Operational Vehicle Insurance (Comprehensive)
Protects garden vehicles from the risk of slipping, overturning and serious damage. - Employer’s Liability Insurance
Cover legal claims resulting from work accidents. - Plantation Property & Infrastructure Insurance
Protect physical assets, including roads and operational support facilities.
A Styrofoam Factory in Tangerang Burns, Causing Losses Reaching Billions
A styrofoam factory in Panongan District, Tangerang Regency, Banten, was engulfed in a massive fire on Thursday afternoon (January 8th). As the flames spread, all employees working in the production area panicked and rushed to the scene to save themselves.
Thick black smoke could be seen billowing from the fire site, as flames quickly engulfed the production building. The factory’s proximity to residential areas also raised concerns among residents about the potential for the fire to spread.
Thirty firefighters and six fire trucks were deployed and successfully extinguished the fire in approximately two hours. Initial suspicions suggest the fire was caused by an electrical short circuit in one of the production machines. There were no casualties, but material losses are estimated to reach billions of rupiah.
Risk Accident Review
The Styrofoam factory fire demonstrates the high risk of fire in the flammable materials manufacturing industry. Styrofoam is highly flammable, allowing even a small spark or electrical short circuit to trigger a major fire in a short time. Additional factors such as high-voltage production machinery, suboptimal electrical installation management, and the factory’s proximity to residential areas exacerbate the risk. In addition to damage to physical assets, this incident has the potential to cause operational disruptions, significant financial losses, third-party claims, and risk the company’s reputation if the fire spreads to the surrounding area.
Types of Insurance Needed
- Industrial Property Insurance (Industrial All Risks / Property All Risks)
Guaranteeing buildings, machinery and stock from the risk of fire and explosion. - Business Interruption (BI) Insurance
Covering loss of income due to the cessation of production operations. - Machinery Breakdown Insurance
Protect production machines from damage due to short circuits or technical problems. - Public Liability Insurance
Guaranteeing claims of local residents if there is an impact on the residential environment. - Work Accident Insurance & Employer’s Liability
Protection for employees from the risk of accidents during evacuation or emergency conditions.
A cable warehouse in a vital area of Tanjung Kalap Port catches fire, suspected to be caused by heat transfer from a boiler.
The cable storage warehouse belonging to PT Kapuas Prima Coal (KPC) located in the Tanjung Kalap Port Complex, Kumai Hulu Subdistrict, West Kotawaringin Regency, was reported to have experienced a fire on Sunday night (11/1) at around 21.48 WIB.
This incident attracted attention because the warehouse’s location is in a strategic area and vital to port activity. The West Kotawaringin Fire and Rescue Service immediately responded to the report and deployed two fire trucks and personnel to the scene.
Upon arrival at the scene, the fire was extinguished. However, officers continued to conduct a thorough inspection to ensure there were no remaining hot spots. The preliminary suspicion is that the fire was triggered by heat spread from boiler material in the adjacent warehouse, causing the cables to melt. There were no casualties, and the total loss is still being assessed.
Risk Accident Review
The cable warehouse fire incident in the port area demonstrates the high risk of fire due to indirect heat transfer from adjacent industrial facilities. Cable materials, sensitive to high temperatures, have the potential to melt and ignite even without a direct spark. The port area’s location increases the risk of a chain reaction impacting logistics operations, loading and unloading, and other vital facilities. Failure to maintain safe distances between warehouses, ensure heat protection, and ensure early warning systems can lead to significant material losses and potentially disrupt supply chains.
Types of Insurance Needed
- Asuransi Property All Risks (PAR) / Industrial All Risks (IAR)
Guarantees warehouse, installations and contents from the risks of fire, excessive heat and physical damage. - Stock & Material Insurance
Special protection for cables and high-value, heat-sensitive materials. - Business Interruption (BI) Insurance
Covering losses due to disruption of port operational and distribution activities. - Public Liability Insurance
Anticipating third party claims if the fire impacts surrounding port facilities. - Engineering & Boiler Insurance
Protection against heat risks, boiler failure and the impact of heat energy propagation.
Source: https://radarsampit.jawapos.com/pangkalan-bun/2347062590/gudang-kabel-pt-kpc-di-kumai-terbakar
A tire repair shop in Batam was completely destroyed by fire, with thousands of tires fueling the blaze.
The Batuaji Police are still investigating the cause of the fire that destroyed a workshop and used tire storage warehouse on Jalan Brigjen Katamso, Tanjung Uncang, Batam City. While no casualties were reported, the entire workshop’s contents were reportedly destroyed.
Batuaji Police Chief, AKP Raden Bimo Dwi Lambang, stated that police are questioning several witnesses, including workers and the workshop owner, to determine the source of the fire. Based on initial information, the workshop had a large stockpile of used tires, causing the fire to spread quickly and complicating extinguishing efforts.
The fire was first discovered around 5:30 PM WIB by workers returning home. Initial suspicions point to burning trash near the site, but the investigation is still ongoing. The firefighting effort lasted approximately three hours, ending at 8:30 PM WIB, involving 13 fire trucks from various agencies. Material losses are still being assessed, and the number of burned tires is estimated to be in the thousands.
Risk Accident Review
Warehouses or workshops that store flammable materials such as used tires are at very high risk of fire. Rubber is flammable, generates high heat, and is difficult to extinguish, prolonging the duration of the fire and increasing losses. The risk increases if waste management, storage layout, and monitoring of burning activities are not properly controlled. In addition to asset damage, fires also have the potential to cause traffic disruptions, air pollution, and third-party lawsuits. Without adequate insurance coverage, business owners risk significant financial losses and even bankruptcy.
Types of Insurance Needed
- Fire Insurance / Property All Risks (PAR)
Protect workshop and warehouse buildings from the risk of fire. - Stock Insurance
Guarantees losses on used tires, workshop equipment, and business assets. - Business Interruption Insurance
Covering lost revenue due to operational interruption following the fire. - Public Liability Insurance
Covers claims if the fire impacts the surrounding environment or road users. - Work Accident Insurance (Personal Accident / BPJS Employment Upgrade)
Protection for workers from the risk of injury during fire incidents.
Tour Boat Engine Catches Fire in Bali Sea! 88 Passengers Emergency Evacuated Mid-Voyage
The Angkal 6’s engine reportedly caught fire while sailing in the Bali Sea, Klungkung Regency, on Tuesday (January 6). The exact cause of the fire is still under investigation by technicians. The fire is believed to have originated in the engine room and partially engulfed the ship, forcing the evacuation of all passengers.
The ship, carrying nine crew members and 88 passengers, departed from The Angkal Harbor in Kampung Kusamba Village, bound for Sampalan Harbor in Nusa Penida, at around 4:00 p.m. WITA. About 15 minutes after sailing, the crew noticed sparks from the engine and immediately called for assistance. The company’s management deployed the ship, The Angkal 7, for the evacuation. All passengers were safely evacuated, and the burning ship was then towed back to The Angkal Harbor.
Risk Accident Review
Ship engine fires are a serious risk in maritime transportation, particularly for passenger ships with high operational intensity. Common causes include engine failure, suboptimal electrical installations, overheating, and inadequate maintenance. These incidents have the potential to cause loss of life, mass panic, ship damage, and legal claims from passengers. Evacuations at sea also carry additional risks such as weather, waves, and limited safety equipment. Without comprehensive insurance coverage, ship operators can face significant financial losses, including evacuation costs, ship repairs, passenger compensation, and operational shutdowns.
Types of Insurance Needed
- Marine Hull & Machinery Insurance
Covers damage to ships and engines due to fire or marine accidents. - Passenger Liability Insurance
Protects operators from passenger claims resulting from injury, trauma, or loss during the voyage. - Protection & Indemnity (P&I Insurance)
Bear legal responsibility towards passengers, crew and third parties. - Crew Personal Accident Insurance
Accident protection for crew members while on duty. - Business Interruption Insurance
Covering potential loss of revenue due to vessels being unable to operate post-incident.
Sambal Geledek Restaurant Engulfed in Fire Early Morning! Fire Spreads to Waste Disposal Site, Fire Department Deploys 15 Firefighters
A massive fire engulfed the Sambal Geledek Restaurant on Jalan Galeong, Margasari Village, Karawaci District, Tangerang City, early Sunday morning (January 11, 2026). The incident occurred at approximately 12:04 a.m. WIB (Western Indonesian Time) and also destroyed a waste container near the restaurant, triggering panic among local residents.
The initial report was received by the Tangerang City Regional Disaster Management Agency (BPBD) Operations Center (Pusdalops) from a resident. Firefighters arrived at the scene at around 12:20 a.m. Western Indonesian Time (WIB) and immediately began handling the fire. The fire engulfed a waste stall measuring approximately 1,000 square meters and a restaurant building measuring approximately 100 square meters. The firefighting process was hampered by the distance to the water source. Fifteen fire trucks and 53 personnel were deployed until the fire was extinguished around 5:30 a.m. Western Indonesian Time (WIB). There were no casualties, and the estimated losses are still being assessed.
Risk Accident Review
Restaurant fires pose a high risk due to the use of open flames, gas installations, and continuous operation of electrical equipment. The presence of waste disposal sites nearby increases the potential for fire spread and the extent of damage. Water access constraints prolong the duration of the fire, which can exacerbate material losses and risk a complete business shutdown. Even if no casualties occur, these incidents have the potential to result in significant financial losses, third-party claims, and lost revenue due to operational disruption. Without proper insurance coverage, business owners can experience serious financial stress following a fire.
Types of Insurance Needed
- Property Insurance (Property All Risks / Fire Insurance)
Covers damage to restaurant buildings and assets due to fire. - Business Contents Insurance
Protects kitchen equipment, furniture, and business supplies. - Public Liability Insurance
Covers claims if fire damages surrounding property or endangers residents. - Business Interruption Insurance
Reimburses lost revenue while the restaurant is unable to operate. - Employee Work Accident Insurance
Protection for employees from the risk of injury at work.
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These incidents highlight the fact that risks can arise at any time and in any sector, often with financial, legal, and reputational impacts far greater than initially anticipated. Without structured risk management, disciplined safety standards, and appropriate insurance coverage—from property and liability to workplace accidents to business interruption—businesses and transportation operators are highly vulnerable. With the increasing intensity of accidents and fires, a preventative and protective approach is no longer an option but an urgent necessity to maintain business continuity and human safety.
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.
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