{"id":9960,"date":"2026-07-24T12:11:20","date_gmt":"2026-07-24T05:11:20","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9960"},"modified":"2026-07-24T09:17:50","modified_gmt":"2026-07-24T02:17:50","slug":"tiga-kapal-terbakar-di-muara-angke-diduga-korsleting-saat-docking-kerugian-capai-rp15-miliar-dan-7-insiden-kecelakaan-terupdate-yang-menggemparkan-di-indonesia","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/tiga-kapal-terbakar-di-muara-angke-diduga-korsleting-saat-docking-kerugian-capai-rp15-miliar-dan-7-insiden-kecelakaan-terupdate-yang-menggemparkan-di-indonesia\/","title":{"rendered":"Three Ships Catch Fire in Muara Angke! Alleged Short Circuit During Docking, Losses Reach Rp1.5 Billion: And 7 Shocking Recent Accidents in Indonesia"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">This week has once again been marked by numerous incidents that have captured public attention, from multiple land accidents to fires that have engulfed industrial areas, ports, and trade centers. These incidents have not only resulted in loss of life and significant material losses, but have also disrupted business activities, logistics distribution, and the operation of critical infrastructure. For the business world, these incidents serve as a reminder that every operational activity carries risks that must be seriously managed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s a summary of seven selected accident and fire news stories this week, complete with risk reviews and insurance coverage recommendations from the perspective of insurance brokers and consultants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Brake Failure Triggers Pile-Up Crash in Sibolangit! 8 Vehicles Wrecked, 2 Dead and 7 Injured<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A pile-up involving eight vehicles occurred in the Sibolangit area, Deli Serdang Regency, North Sumatra, on Friday (July 17, 2026). According to police, the incident allegedly began when a truck carrying gallons of mineral water traveling from Karo to Medan experienced brake failure, causing it to lose control and hit several vehicles in front of it. The accident resulted in nine casualties, with two reported fatalities and seven others injured. All vehicles sustained heavy damage and caused a long traffic jam. Police have detained the truck driver for further questioning, while an investigation into the exact cause of the accident is ongoing.<\/span><\/p>\n<p><b>News source<\/b><span style=\"font-weight: 400;\">:<\/span><a href=\"https:\/\/www.detik.com\/sumut\/berita\/d-8578202\/kecelakaan-beruntun-di-sibolangit-karena-truk-pengangkut-air-mineral-rem-blong\"> <span style=\"font-weight: 400;\">https:\/\/www.detik.com\/sumut\/berita\/d-8578202\/kecelakaan-beruntun-di-sibolangit-karena-truk-pengangkut-air-mineral-rem-blong<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Multiple accidents on mountainous roads demonstrate the high operational risks of heavy vehicles, particularly on sections with long descents, sharp bends, and high traffic density. Suspected brake failure highlights the importance of braking system inspections, preventive maintenance, and vehicle roadworthiness checks prior to operation. In addition to causing fatalities and damage to numerous vehicles, such incidents have the potential to trigger lawsuits, disrupt logistics distribution, and incur significant financial losses. Implementing fleet risk management, defensive driving, speed control, and regular fleet technical inspections are crucial steps to minimize the risk of similar accidents.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Commercial Vehicle Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for operational trucks from the risk of collision, overturning, brake failure, or physical damage due to accidents during operations.<\/span><\/li>\n<li><b> Motor Vehicle Insurance (Comprehensive \/ All Risk)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees vehicles that are damaged due to multiple collisions or other traffic accident risks.<\/span><\/li>\n<li><b> Third Party Liability (TPL) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bear legal responsibility for losses experienced by third parties, whether in the form of vehicle damage, injury, or death due to an accident.<\/span><\/li>\n<li><b> Goods in Transit Insurance (Marine Cargo \u2013 Inland Transit)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for mineral water gallons from the risk of damage or loss during the transportation process due to accidents.<\/span><\/li>\n<li><b> Personal Accident Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides compensation to drivers and passengers if they suffer injury, permanent disability, or death due to an accident.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies for compensation obligations to drivers or employees who have accidents while carrying out operational duties.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against legal claims if an accident causes harm to the public, public facilities or other road users.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Suspected Microsleep Causes Truck to Crash on JORR Toll Road! 6 Vehicles Involved, 1 Driver Killed<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A pile-up involving six vehicles occurred on the JORR Toll Road Km 54 Bintara towards Cakung on Saturday (18\/7\/2026) at around 11:45 WIB. The incident began when five vehicles in lane 1 reduced speed due to heavy traffic. The truck in the rear position is suspected of experiencing microsleep, causing it to lose control and hit the vehicle in front of it, triggering a pile-up. The accident resulted in the death of one container truck driver, one pickup driver suffering serious injuries, and one truck driver suffering minor injuries. All victims were evacuated to the hospital, while the vehicles involved have been moved to smooth traffic flow.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/news.detik.com\/berita\/d-8579730\/kecelakaan-beruntun-6-kendaraan-di-tol-bintara-arah-cakung-1-orang-tewas\"> <span style=\"font-weight: 400;\">https:\/\/news.detik.com\/berita\/d-8579730\/kecelakaan-beruntun-6-kendaraan-di-tol-bintara-arah-cakung-1-orang-tewas<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Allegations <\/span><b>microsleep <\/b><span style=\"font-weight: 400;\">as a cause of accidents indicates that the human factor remains one of the greatest risks in land transportation operations. Heavy vehicle drivers on long journeys are at risk of decreased concentration due to fatigue, lack of rest, or excessive working hours. This condition can lead to multiple accidents involving multiple vehicles, resulting in fatalities, property damage, and significant legal liability. Transportation companies need to implement <\/span><b>fatigue management<\/b><span style=\"font-weight: 400;\">, work hour and rest time arrangements, defensive driving training, vehicle inspections, and the use of technology such as <\/span><b>Driver Monitoring System (DMS) <\/b><span style=\"font-weight: 400;\">to detect signs of driver fatigue before an accident occurs.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Commercial Vehicle Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for trucks, trailers, pickups and operational vehicles from the risk of collision, rollover or physical damage due to accidents.<\/span><\/li>\n<li><b> <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-kendaraan-bermotor\/\"><b>Motor Vehicle Insurance<\/b><\/a><b> (Comprehensive \/ All Risk)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees vehicles that are damaged due to multiple collisions or other traffic accident risks.<\/span><\/li>\n<li><b> <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-tanggung-gugat-liability-insurance\/\"><b>Third Party Liability<\/b><\/a><b> (TPL) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bear legal responsibility for losses experienced by third parties, whether in the form of vehicle damage, injury, or death due to an accident.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies for compensation obligations to drivers or employees who have accidents while carrying out their duties.<\/span><\/li>\n<li><b> Personal Accident Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides compensation to drivers and passengers if they suffer injury, permanent disability, or death due to an accident.<\/span><\/li>\n<li><b> Goods in Transit Insurance (Marine Cargo \u2013 Inland Transit)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for goods or cargo being transported from the risk of damage or loss due to accidents during the distribution process.<\/span><\/li>\n<li><b> <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-tanggung-gugat-liability-insurance\/\"><b>Public Liability Insurance<\/b><b><br \/>\n<\/b><\/a><span style=\"font-weight: 400;\">Provides protection against legal claims if an accident results in losses to the public, other road users, or public facilities.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Incense Factory in Tangerang Burns, Thick Smoke Sparks Fears of Flight Disruption at Soekarno-Hatta Airport<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A fire broke out at the CV Damarindo incense factory on Jalan Raya Bayur, Periuk District, Tangerang City, on Monday afternoon (July 20, 2026). The fire quickly spread and destroyed part of the factory building, while thick black smoke billowed high, raising concerns about flight operations at Soekarno-Hatta International Airport. Fourteen fire trucks were deployed to prevent the fire from spreading to surrounding buildings. There were no fatalities, but three employees suffered minor injuries. Three nearby homes were also affected. The cause of the fire is still under investigation by authorities.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/www.beritasatu.com\/banten\/3012443\/kebakaran-pabrik-dupa-tangerang-asap-dikhawatirkan-ganggu-bandara-soetta\"> <span style=\"font-weight: 400;\">https:\/\/www.beritasatu.com\/banten\/3012443\/kebakaran-pabrik-dupa-tangerang-asap-dikhawatirkan-ganggu-bandara-soetta<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Fires in manufacturing facilities demonstrate the significant operational risks that can arise from flammable materials, production processes, and potential disruptions to electrical installations and work equipment. In addition to causing damage to buildings and production assets, fires can also impact the surrounding environment, disrupt community activities, and even potentially impact the operation of vital infrastructure such as airports. This incident underscores the importance of implementing <\/span><b>Fire Risk Management<\/b><span style=\"font-weight: 400;\">, including periodic inspections of electrical installations, fire detection and protection systems (smoke detectors, hydrants, sprinklers), provision of APAR, emergency response training for employees, and preparation of <\/span><b>Business Continuity Plan (BCP) <\/b><span style=\"font-weight: 400;\">to maintain the continuity of company operations.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-property-and-industrial-all-risks\/\"><b>Industrial All Risk (IAR) Insurance<\/b><b><br \/>\n<\/b><\/a><span style=\"font-weight: 400;\">Provides comprehensive protection for factory buildings, production facilities, warehouses, and company assets from the risk of fire, explosion, and various other operational risks.<\/span><\/li>\n<li><b> <\/b><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-stok-barang\/\"><b>Stock Insurance<\/b><b><br \/>\n<\/b><\/a><span style=\"font-weight: 400;\">Guarantees raw materials, goods in process, finished products, and other supplies from the risk of fire or damage as guaranteed in the policy.<\/span><\/li>\n<li><b> Business Interruption Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against loss of profits and fixed operating costs if production activities are stopped due to fire.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bearing the company&#8217;s legal responsibility if the fire causes damage to third party property or causes injury to the community around the location.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies for compensation obligations to employees who are injured when an incident occurs in the work environment.<\/span><\/li>\n<li><b> Electronic Equipment Insurance (EEI)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees electrical panels, production control systems, computers, CCTV, and operational electronic devices from the risk of damage due to fire or electrical disturbances.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Porto Sandal Factory in Karanganyar Burns to the Ground! Raw Materials Warehouse and Production Machinery Destroyed, Allegedly Due to Short Circuit<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A fire broke out at the PT Porto Indonesia Sejahtera sandal factory in Kebakkramat District, Karanganyar Regency, Central Java, on Sunday (July 19, 2026). The fire was first reported to have started on the west side of the production area before quickly spreading to the raw materials warehouse, the grinding room, and the storage area for flammable plastic pellets. Fortunately, there were no fatalities in the incident because production was on holiday and seven workers in the mess managed to escape. The extinguishing process lasted more than three hours and involved assistance from vehicles from several regions. The initial suspicion is that the fire was triggered by a short circuit in the production machine, while the exact cause is still under investigation.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/www.tempo.co\/hukum\/kebakaran-bikin-hangus-gudang-pabrik-sandal-di-karanganyar-2276849\"> <span style=\"font-weight: 400;\">https:\/\/www.tempo.co\/hukum\/kebakaran-bikin-hangus-gudang-pabrik-sandal-di-karanganyar-2276849<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fire incident at the sandal factory demonstrates the high risk of fire in manufacturing industries that use plastic as a raw material and high-capacity production machinery. Materials such as plastic pellets are flammable, accelerating the spread of fire and increasing losses. The suspected short circuit in the machinery also underscores the importance of <\/span><b>preventive maintenance<\/b><span style=\"font-weight: 400;\">, electrical installation inspections, and regular monitoring of machine conditions. In addition to damaging buildings, machinery, and raw material supplies, fires have the potential to halt production processes, disrupt supply chains, and cause significant financial losses.<\/span><b>Fire Protection System<\/b><span style=\"font-weight: 400;\">, housekeeping, as well as<\/span><b>Business Continuity Plan (BCP)<\/b><span style=\"font-weight: 400;\">is an important step to minimize the impact of risk.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Industrial All Risk (IAR) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides comprehensive protection for factory buildings, warehouses, production facilities, and company assets from the risks of fire, explosion, and various other operational risks.<\/span><\/li>\n<li><b> Machinery Breakdown Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Covers damage to production machines, milling machines, electrical panels and industrial equipment due to mechanical or electrical failure.<\/span><\/li>\n<li><b> Stock Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Protect raw materials such as plastic pellets, goods in process, and finished products from the risk of fire or other damage.<\/span><\/li>\n<li><b> Business Interruption Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against loss of profits and fixed operating costs during production interruptions due to fire.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bear legal responsibility if the fire causes damage to third party property or causes injury to people around the location.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies regarding compensation obligations to employees who experience work accidents while carrying out their duties.<\/span><\/li>\n<li><b> Electronic Equipment Insurance (EEI)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees control panels, electrical systems, computers, CCTV, and operational support electronic devices from the risk of damage due to fire or electrical disturbances.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Motorcycle spare parts warehouse in Bogor catches fire, suspected to be caused by an electrical short circuit. Losses reach Rp 500 million.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A fire destroyed a spare parts warehouse and motorcycle body painting workshop in Tajurhalang, Bogor Regency, on Monday morning (July 20, 2026). The incident is suspected to have been triggered by an electrical short circuit that caused sparks in the spare parts storage area. The owner first became aware of the incident after hearing an explosion while cleaning the yard. Fortunately, there were no fatalities or injuries as employee activities had not yet begun. The extinguishing process took approximately two hours, deploying two fire trucks and eight personnel. Losses from the fire are estimated at around Rp 500 million, while the exact cause is still under investigation by authorities.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/news.detik.com\/berita\/d-8581714\/kebakaran-gudang-onderdil-motor-di-tajurhalang-diduga-akibat-korsleting-listrik\"> <span style=\"font-weight: 400;\">https:\/\/news.detik.com\/berita\/d-8581714\/kebakaran-gudang-onderdil-motor-di-tajurhalang-diduga-akibat-korsleting-listrik<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Fires in spare parts warehouses and automotive workshops demonstrate the high risk of fires due to electrical installation failures, especially in facilities that store vehicle components, paint, thinner, and other flammable materials. In addition to damaging buildings and inventory, such incidents can halt business operations, disrupt customer service, and cause significant financial losses. The risk is even greater when business premises are adjacent to residential buildings, as they have the potential to spread fire to other properties. Implementing regular electrical installation inspections, standard chemical storage, fire protection systems, and <\/span><b>Business Continuity Plan (BCP) <\/b><span style=\"font-weight: 400;\">be an important step in minimizing the impact of losses.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Industrial All Risk (IAR) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides comprehensive protection for factory buildings, production facilities, warehouses, and company assets from the risk of fire, explosion, and various other operational risks.<\/span><\/li>\n<li><b> Machinery Breakdown Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Covers damage to production machines, including sanders, presses, and other industrial equipment due to mechanical or electrical failure.<\/span><\/li>\n<li><b> Stock Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Protect raw wood materials, plywood, sawdust, goods in process, and finished products from the risk of fire or other damage.<\/span><\/li>\n<li><b> Business Interruption Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Covers lost profits, fixed operating costs, and cash flow disruptions due to the cessation of production activities following a fire.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against lawsuits from third parties if a fire causes damage to surrounding property or causes injury to other parties.<\/span><\/li>\n<li><b> Electronic Equipment Insurance (EEI)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees control panels, automation systems, production computers, and operational support electronic devices from the risk of damage due to fire or electrical disturbances.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Three Ships Catch Fire in Muara Angke! Allegedly Caused by Short Circuit During Docking, Losses Reach Rp1.5 Billion<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A fire destroyed three ships docked at Muara Angke Pier, Pluit District, North Jakarta, on Sunday (July 19, 2026). The fire is suspected to have originated from an electrical short circuit while one of the ships was undergoing repairs or docking, then quickly spread to the other two ships. A total of 65 personnel and 12 fire trucks were deployed to control the blaze, which was only successfully extinguished after almost three hours. There were no reports of casualties in the incident. However, material losses are estimated at around IDR 1.5 billion, while the exact cause of the fire is still under investigation by authorities.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/www.metrotvnews.com\/read\/bmRCYG2O-kerugian-akibat-kebakaran-3-kapal-di-muara-angke-mencapai-rp1-5-miliar\"> <span style=\"font-weight: 400;\">https:\/\/www.metrotvnews.com\/read\/bmRCYG2O-kerugian-akibat-kebakaran-3-kapal-di-muara-angke-mencapai-rp1-5-miliar<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Fires on ships undergoing docking indicate that ship maintenance and repair activities have a high risk, especially if they involve electrical installations, hot work (<\/span><i><span style=\"font-weight: 400;\">hot work<\/span><\/i><span style=\"font-weight: 400;\">), or electrical systems that are not properly monitored. In addition to causing damage to the ship, incidents like this can spread to other ships docked at the same location and result in significant financial losses. <\/span><b>Ship Repair Risk Management<\/b><span style=\"font-weight: 400;\">, procedure <\/span><b>hot work permit<\/b><span style=\"font-weight: 400;\">, electrical installation inspections, work supervision by competent personnel, and the availability of fire protection systems are important steps to reduce the potential for fire in shipyard and dock areas.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Marine Hull &amp; Machinery Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for ships from the risk of fire, sinking, collision, and physical damage to the ship&#8217;s hull and engines during operations and the docking process.<\/span><\/li>\n<li><b> Protection &amp; Indemnity (P&amp;I) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Covers the legal liability of ship owners to third parties, including damage to other ships, worker injuries, and damage to port facilities due to incidents.<\/span><\/li>\n<li><b> Ship Repairers&#8217; Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to shipyards or ship repair companies against lawsuits arising from errors or negligence during the docking and repair process.<\/span><\/li>\n<li><b> Machinery Breakdown Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Covers damage to the main engine, electrical system, generator, or mechanical equipment that is damaged due to operational disruption or technical failure.<\/span><\/li>\n<li><b> Business Interruption Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against loss of income and fixed operating costs if the vessel or business activity cannot operate due to fire.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bear legal responsibility if the fire causes damage to third party property, other docked vessels, or dock facilities.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies for compensation obligations to shipyard workers, technicians or ship crew who experience work accidents during the ship repair process.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Eight shophouses in West Kotawaringin were completely destroyed by fire. The fire is suspected to have originated in a corner building, causing losses of billions of rupiah.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A massive fire engulfed a row of shophouses on Jalan Natai Arahan, Arut Selatan District, West Kotawaringin Regency, Central Kalimantan, on Thursday afternoon (July 16, 2026). The fire is believed to have started in one of the buildings at the end of the row of shophouses before quickly spreading to other adjacent buildings. Four fire trucks and a joint team were deployed to control the blaze, which was successfully extinguished after more than an hour. There were no fatalities in the incident, but eight shophouses were severely damaged, and material losses are estimated to reach billions of rupiah. The exact cause of the fire is still under investigation by police.<\/span><\/p>\n<p><b>News source:<\/b><a href=\"https:\/\/www.detik.com\/kalimantan\/berita\/d-8576687\/8-unit-ruko-di-pangkalan-bun-terbakar-kerugian-capai-miliaran-rupiah\"> <span style=\"font-weight: 400;\">https:\/\/www.detik.com\/kalimantan\/berita\/d-8576687\/8-unit-ruko-di-pangkalan-bun-terbakar-kerugian-capai-miliaran-rupiah<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h4><b>Risk Accident Review<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fire in a row of shophouses demonstrates the high risk of fire spreading in commercial areas with closely spaced buildings. When one building catches fire, it can quickly spread to surrounding properties, increasing losses. In addition to damaging buildings and merchandise, fires can also potentially halt business operations and disrupt business owners&#8217; income. This incident underscores the importance of implementing fire safety measures. <\/span><b>Fire Risk Management<\/b><span style=\"font-weight: 400;\">, periodic inspection of electrical installations, provision of APAR, smoke detectors, hydrants, adequate evacuation routes, and preparation of <\/span><b>Business Continuity Plan (BCP) <\/b><span style=\"font-weight: 400;\">to reduce the operational and financial impact in the event of a fire.<\/span><\/p>\n<h4><b>Types of Insurance Needed<\/b><\/h4>\n<ol>\n<li><b> Property All Risk (PAR) Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection for shophouse buildings and the assets within them from the risk of fire, explosion, lightning, and various other risks of physical damage.<\/span><\/li>\n<li><b> Fire Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides special protection against losses due to fire in accordance with the policy provisions, including damage to buildings and shophouse contents.<\/span><\/li>\n<li><b> Stock Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guaranteeing merchandise, inventory, raw materials and products in the shophouse from the risk of fire or other damage.<\/span><\/li>\n<li><b> Business Interruption Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection against loss of income and fixed operating costs when business activities are interrupted due to fire.<\/span><\/li>\n<li><b> Public Liability Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bear legal responsibility if the fire causes damage to property or injury to third parties or buildings around the location.<\/span><\/li>\n<li><b> Electronic Equipment Insurance (EEI)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Guarantees computers, cash registers, CCTV, electrical panels, and operational electronic devices from the risk of damage due to fire or electrical disturbances.<\/span><\/li>\n<li><b> Employer&#8217;s Liability \/ Workmen Compensation Insurance<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Provides protection to companies or business owners regarding compensation obligations to employees who experience work accidents while carrying out operational activities.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h4><b>Conclusion<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The various incidents that occurred throughout this week demonstrate that risks can arise at any time, whether in the transportation, manufacturing, warehousing, shipping, or trade sectors. The impacts include not only asset damage and operational disruptions, but also loss of life, lawsuits, and significant financial losses. Therefore, implementing effective risk management, supported by an appropriate insurance program, is a crucial investment for maintaining business continuity.<\/span><\/p>\n<p><b>L&amp;G Insurance Broker <\/b><span style=\"font-weight: 400;\">ready to be your company&#8217;s partner in identifying potential risks, developing mitigation strategies, and designing insurance protection solutions that suit your business characteristics.<\/span><\/p>\n<p><b>Contact the L&amp;G team via WhatsApp at 0811-8507-773 or email <\/b><a href=\"mailto:halo@lngrisk.co.id\"><b>halo@lngrisk.co.id<\/b><\/a><b>\u00a0 <\/b><span style=\"font-weight: 400;\">to get professional risk management and insurance program consultation. Because a resilient business is not only able to grow, but also ready to face any risks that may occur.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>This week has once again been marked by numerous incidents that have captured public attention, from multiple land accidents to fires that have engulfed industrial areas, ports, and trade centers. These incidents have not only resulted in loss of life and significant material losses, but have also disrupted business activities, logistics distribution, and the operation [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":9961,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[809],"tags":[167,305,1669],"class_list":["post-9960","post","type-post","status-publish","format-standard","has-post-thumbnail","category-berita-kecelakaan","tag-asuransi-kecelakaan","tag-berita-kecelakaan","tag-tiga-kapal-terbakar-di-muara-angke"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9960","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=9960"}],"version-history":[{"count":2,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9960\/revisions"}],"predecessor-version":[{"id":9963,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/9960\/revisions\/9963"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/9961"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=9960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=9960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=9960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}