{"id":8668,"date":"2025-10-22T08:14:06","date_gmt":"2025-10-22T01:14:06","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8668"},"modified":"2025-10-22T08:14:06","modified_gmt":"2025-10-22T01:14:06","slug":"pesawat-kargo-emirates-tergelincir-dan-masuk-ke-laut-di-hong-kong-bukti-nyata-pentingnya-asuransi-dan-manajemen-risiko-penerbangan","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/pesawat-kargo-emirates-tergelincir-dan-masuk-ke-laut-di-hong-kong-bukti-nyata-pentingnya-asuransi-dan-manajemen-risiko-penerbangan\/","title":{"rendered":"Emirates Cargo Plane Skids Off Hong Kong: A Real-Time Exposure to Insurance and Aviation Risk Management"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The following text isAnalysis from L&amp;G Insurance Broker on the importance of aviation insurance and risk management, triggered by the crash of a Boeing 747 cargo plane operated by ACT Airlines on behalf of Emirates at Hong Kong International Airport on Monday (20\/10\/2025).<\/span><\/p>\n<p><b>Main Summary:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident Incident: A cargo plane skidded off the north runway of Hong Kong International Airport, hit a security patrol car, and partially sank into the sea. The accident killed two airport security officers and caused severe damage to the aircraft.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk Management Analysis: This incident highlights the complexity of operational risk in aviation, including potential factors:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Human Error<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Weather and Runway Conditions (Slippery runway, low visibility)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ground Safety and Sterile Areas (Gaps in the management of sterile areas around runways)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Operational Coordination Failure (Involving multiple parties such as operators, cargo owners, and airport authorities).<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Related Types of Insurance: Various types of insurance policies play a role in covering losses, namely:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Aviation Hull Insurance: Covers physical damage to aircraft (value up to US$150 million \u2013 US$200 million).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Aviation Liability Insurance: Covers the operator&#8217;s legal liability to third parties (claims for death of airport personnel).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Cargo Insurance: Covers damage to cargo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Airport Liability Insurance: Covers the legal liability of airport authorities in the event of negligence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Workers\u2019 Compensation &amp; Personal Accident Insurance: Protection for airport personnel victims.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Importance of Insurance Brokers: L&amp;G Insurance Brokers emphasize that risk cannot be completely eliminated, it can only be minimized and transferred. In complex cases like this, the role of a broker (who sides with the customer) is crucial in assisting with the risk assessment and claims process, unlike an agent who sides with the insurance company.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This accident is a stark reminder that financial protection through proper insurance and sound risk management are integral components of business sustainability in the logistics and aviation industries. L&amp;G Insurance Broker offers itself as a strategic partner in integrated risk management.<\/span><\/p>\n<p><b>Contact<\/b><a href=\"https:\/\/lngrisk.co.id\/\"> <b>L&amp;G Insurance Broker<\/b><\/a><b> now on<\/b><a href=\"https:\/\/wa.me\/628118507773?text=Halo%20Liberty,%20Saya%20sudah%20berkunjung%20ke%20website%20lngrisk.co.id.%20Boleh%20saya%20tanya%20lebih%20jauh?\"> <b>08118507773<\/b><\/a><b> for free consultation before risk<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The crash of a Boeing 747 cargo plane operated by ACT Airlines on behalf of Emirates at Hong Kong International Airport in the early hours of Monday (October 20, 2025) has once again reminded the world of the importance of risk management and insurance protection in the aviation industry. The tragic incident killed two airport security personnel and caused extensive damage to the cargo plane, which partially sank into the sea.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As an experienced insurance broker, L&amp;G Insurance Broker views this case as a clear example of the complex chain of risks in the aviation sector, from operational aspects and safety to the legal responsibilities of the parties involved. Such accidents not only result in material losses but also the potential for litigation, reputational damage, and significant business disruption.<\/span><\/p>\n<h3><b>Brief Chronology of Events<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">According to reports from Al Jazeera and various official sources, the accident occurred at around 4 a.m. local time. The Boeing 747 cargo plane, owned by ACT Airlines and chartered by Emirates SkyCargo, landed on the north runway of Hong Kong International Airport.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, moments after the plane&#8217;s wheels touched the runway, it skidded off course, struck a guardrail, and then struck an airport security patrol car on the other side of the fence. The impact dragged the car into the sea, about five meters from the shoreline.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Two people in the patrol car, a 30-year-old man and a 41-year-old man, died. One died at the scene, while the other died after being rushed to the hospital. Meanwhile, the aircraft sustained extensive damage: the tail section was broken, the emergency slide was activated, and the lower part of the cockpit was severely damaged.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The accident triggered a massive evacuation of the airport area and the temporary closure of the north runway. The Hong Kong Airport Authority, along with aviation regulators, immediately launched an investigation into the cause of the derailment.<\/span><\/p>\n<h3><b>Risk Management Analysis<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">From a risk management perspective, this incident demonstrates that even with modern aviation technology and stringent safety procedures, operational risks cannot be completely eliminated but can only be minimized and transferred through appropriate insurance mechanisms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several potential risk factors that can be analyzed from this incident:<\/span><\/p>\n<h4><b>1. Human Error<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Most aircraft accidents in the world are caused by human factors, whether in the cockpit, in the control tower, or in the ground operation area.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pilot fatigue, miscommunication with air traffic control, or maneuvering errors can cause a plane to lose control during landing.<\/span><\/p>\n<h4><b>2. Weather and Runway Conditions<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">External factors such as slippery runways due to rain, low visibility, or crosswinds can increase the risk of skidding.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this case, initial reports mentioned cloudy weather and high humidity in the early hours.<\/span><\/p>\n<h4><b>3. Ground Safety and Sterile Area<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The incident involving the patrol car hit highlights gaps in the management of sterile areas around runways. ICAO international standards require that certain areas around runways be completely free of vehicles or activities not directly related to flight operations.<\/span><\/p>\n<h4><b>4. Failure of Operational Coordination<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In a cross-country cargo flight situation like this, there are usually multiple parties involved:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flight operator (ACT Airlines)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cargo owner (Emirates SkyCargo)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airport authorities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ground handling service provider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aviation regulator<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each party has its own responsibilities and potential risks. Lack of cross-party coordination is often an unseen source of problems.<\/span><\/p>\n<h3><b>Related Types of Insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In any aviation accident like this, several types of insurance policies will play a role in covering losses according to each party&#8217;s portion of the risk.<\/span><\/p>\n<h4><b>1. Aviation Hull Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">This policy covers physical damage to the aircraft due to accidents, both in the air and on the ground.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of the Boeing 747, the damage to the underside of the cockpit and the broken tail will be claimed through Hull All Risk Insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The value of a Boeing 747 cargo aircraft can reach US$150 million \u2013 US$200 million, making hull protection crucial for operators like ACT Airlines.<\/span><\/p>\n<h4><b>2. Aviation Liability Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Bearing the legal responsibility of the flight operator towards third parties outside the aircraft (third party liability).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because in this accident two airport officers died as a result of being hit, the death claim will be covered by this policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The amount of compensation can be very large, depending on local laws and applicable insurance policies.<\/span><\/p>\n<h4><b>3. Cargo Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If the cargo on the plane is damaged due to an accident, the owner of the goods (in this case Emirates SkyCargo or the client sending the goods) can submit a claim to Air Cargo Insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This claim covers physical damage, loss, or contamination due to an accident.<\/span><\/p>\n<h4><b>4. Airport Liability Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The Hong Kong Airport Authority also has legal responsibility for safety in the airport area.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If there is proven negligence in regulating vehicle traffic in the runway area, airport liability insurance will cover part of the compensation to the victim&#8217;s family.<\/span><\/p>\n<h4><b>5. Workers\u2019 Compensation &amp; Personal Accident Insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Airport security officers who become victims are of course protected by employment insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, in fatal cases like this, claims can be extended through additional personal accident or group life insurance policies provided by the airport management.<\/span><\/p>\n<h3><b>Economic and Legal Implications<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Accidents in the aviation sector always involve a long chain of legal responsibility.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is potential for lawsuits from the families of victims, aviation regulators, and even cargo owners who experience delays or losses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to direct losses, the reputation of airlines and airports is also affected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accidents like these can lead to increased insurance premiums, tightened safety regulations, and even the temporary suspension of commercial operations for safety audits.<\/span><\/p>\n<h3><b>Important Lessons for the Insurance World<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">From this incident, there are several important lessons that can be learned, especially for industry players operating in high-risk sectors such as aviation, logistics, and construction:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Risk can be transferred, but not eliminated.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">No matter how good the control system is, residual risk always exists.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Claims readiness is key.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">When a major accident occurs, the insurance claims process can be very complex and take months, especially if it involves multiple parties across countries.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>The role of an insurance broker is very important.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Brokers help ensure all parties have the right insurance coverage, understand the policy&#8217;s terms, and assist with the claims process from start to finish.<\/span><\/li>\n<\/ul>\n<h3><b>Why Go Through an Insurance Broker, Instead of an Agent or Company Directly?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many business people still do not understand the fundamental differences between insurance brokers and insurance agents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the context of a major risk such as aviation, this difference can determine the success of a claim and the company&#8217;s financial protection.<\/span><\/p>\n<h4><b>Insurance Broker = Your Side<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Brokers like L&amp;G Insurance Broker side with the customer, not the insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We are tasked with objectively assessing your business risks, choosing the best policies from various insurance companies, and ensuring that each clause truly fits your operational needs.<\/span><\/p>\n<h4><b>Insurance Agent = Insurance Company<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Agents can only offer products from one company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The focus is on selling policies, not protecting your interests in the event of a claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In cases of major accidents like this, customers often get caught up in claim disputes because they don&#8217;t understand the details of the clauses sold by the agent.<\/span><\/p>\n<h4><b>L&amp;G Insurance Broker: Strategic Partner in Risk Management<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">As a national broker with decades of experience in the aviation, marine cargo, property, and engineering insurance industries, L&amp;G has a strong reputation for handling complex, high-value claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We not only sell policies, but also design integrated risk management strategies ranging from risk assessment, placement, to claims assistance.<\/span><\/p>\n<h3><b>Conclusion<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The cargo plane crash at Hong Kong Airport is a stark reminder to the entire logistics and aviation industry: that every operational activity carries risks that must be taken seriously.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s not enough to rely solely on safety systems or operator experience; financial protection through appropriate insurance and sound risk management are integral components of business sustainability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the support of a professional insurance broker like L&amp;G Insurance Broker, companies can ensure that all aspects of their risks have been analyzed, insured, and are ready to be handled quickly if an incident occurs.<\/span><\/p>\n<h4><b>Contact us<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Consult your Aviation, Cargo, or Liability Insurance needs with L&amp;G Insurance Broker now for FREE!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udcde WhatsApp: 08118507773<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udce7 Email: halo@lngrisk.co.id<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\ud83c\udf10 Website: <\/span><a href=\"http:\/\/www.lngrisk.co.id\"><span style=\"font-weight: 400;\">www.lngrisk.co.id<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Source: <\/span><a href=\"https:\/\/kabar24.bisnis.com\/read\/20251020\/19\/1921899\/pesawat-kargo-tergelincir-di-bandara-hong-kong-hingga-masuk-laut-2-orang-tewas\"><span style=\"font-weight: 400;\">https:\/\/kabar24.bisnis.com\/read\/20251020\/19\/1921899\/pesawat-kargo-tergelincir-di-bandara-hong-kong-hingga-masuk-laut-2-orang-tewas<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>The following text isAnalysis from L&amp;G Insurance Broker on the importance of aviation insurance and risk management, triggered by the crash of a Boeing 747 cargo plane operated by ACT Airlines on behalf of Emirates at Hong Kong International Airport on Monday (20\/10\/2025). Main Summary: Accident Incident: A cargo plane skidded off the north runway [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":8669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[1393],"class_list":{"0":"post-8668","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-risk-recommendation","8":"tag-pesawat-cargo-emirates-tergelincir"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8668","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=8668"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8668\/revisions"}],"predecessor-version":[{"id":8670,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/8668\/revisions\/8670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/8669"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=8668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=8668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=8668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}