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Comprehensive Business & Employee Insurance Solutions in Malaysia
Minaris Risk Management Sdn Bhd is a Property, Casualty and General insurance consultancy and advisory with more than 2 decades of experience in the industry. We customize insurance programs for both industrial and commercial risks and implement risk management and loss prevention solutions for our clients.
General Insurance We Offers
Professional Indemnity
Professionals like Accountants, Architects, Engineers, Lawyers, and Doctors are subject to strict regulations. Many are legally required to carry professional indemnity insurance. It protects against legal costs and claims errors, omissions, or negligence in the course of your work.
Financial Line
Executives, directors, and managers hold key decision-making roles and face increasing scrutiny. Financial Line insurance helps protect against claims of mismanagement, breach of duty, or oversight. It’s essential for maintaining trust and leadership accountability.
Casualty Line
Businesses owe a duty of care to customers and the public. Casualty Line insurance (including General Liability) covers legal expenses and compensation arising from accidents or injuries linked to your operations—ensuring your business stays protected always.
Commercial Fire
This commercial fire policy covers accidental fire damage to property, including buildings and contents. It also protects against income loss caused by business interruption, helping your company recover and continue operations with minimal disruption.
Car Insurance
We provide comprehensive protection for you and your car, covering you against damage to your own vehicle due to accident, fire and theft. We also cover your liabilities to other parties such as damage, injury or death to the other party and their vehicle.
Marine Classes
As goods cross borders by land, air or sea, maintaining marine classes control becomes more difficult. Globalisation has made trade with less developed countries a reality, where weaker logistics and theft may threaten freight delivery.
Accident and Health Classes
We serve SMEs companies, local conglomerates and multinationals. Our current 10,000 headcount and growing is a testimony that we are well-equipped to serve and administer Employee Benefits schemes.
Construction and Engineering Insurance
Provide all risks cover during the construction period for contract works against loss, damage to property, third party liability or property damage in connection with the performance of contract, and delay in starting up.
Our Services
What We Do
Insurance consultancy and advisory
Site visit and evaluation
Insurance programs customization
Insurance Claim
Renewal Services
Things You Must Know About Insurance
Every business, no matter its size or industry, faces risks. A customer could slip and fall on your premises, a contractor might damage client property, or an advertising campaign could inadvertently violate someone’s rights.
In such situations, commercial general liability insurance (CGL) is your first line of defence — protecting your company from financial losses that could otherwise be devastating.
For Malaysian business owners, HR professionals, and corporate decision-makers, understanding how to choose the right CGL policy is critical to ensure complete and compliant protection.
What Is Commercial General Liability Insurance?
Commercial general liability insurance is a type of business insurance that protects your company from third-party claims involving:
- Bodily injury (e.g., a customer or visitor getting injured on your property)
- Property damage caused by your operations or employees
- Personal or advertising injury (e.g., defamation, copyright infringement, or false advertising)
In essence, it helps cover legal costs, settlements, and compensation arising from accidents or negligence claims.
To understand how CGL fits into your overall coverage strategy, explore Minaris’ article on Public vs. General Liability Insurance in Malaysia, which clarifies the key differences between these two essential protections.
Why Commercial General Liability Insurance Matters for Every Business
Accidents can happen even in the most careful organisations. Without adequate coverage, legal defence and compensation claims can quickly drain your company’s finances.
Here’s why Malaysian businesses invest in commercial general liability insurance:
- Legal protection and peace of mind – It covers the cost of legal defence, settlements, and judgments.
- Customer confidence – Having liability insurance enhances credibility when working with larger clients or government tenders.
- Regulatory or contract requirements – Some industries or clients require proof of CGL coverage before contracts can begin.
- Business continuity – It ensures your operations can continue even after an unexpected incident.
For more context, read Is Commercial General Liability Insurance Required in Malaysia? — a guide explaining local legal obligations and industry norms.
Comprehensive vs. Commercial General Liability Insurance: What’s the Difference?
Many businesses use these terms interchangeably, but they serve slightly different purposes.
Type | Coverage Focus | Best For |
Commercial General Liability (CGL) | Third-party bodily injury, property damage, personal injury, and advertising injury. | General businesses, SMEs, service providers. |
Comprehensive General Liability (CGLI) | Broader protection that may include product liability, completed operations, and premises liability. | Manufacturing, logistics, and industrial sectors with complex risk exposure. |
If your business involves physical products or construction activities, a comprehensive general liability insurance plan may offer the wider coverage you need.
How to Choose the Right Commercial General Liability Insurance for Your Industry
Not all CGL policies are the same. The right coverage depends heavily on your industry type, risk profile, and business scale. Below are key factors to consider.
1. Assess Your Industry-Specific Risks
Every industry faces different liability exposures.
- Manufacturing: Product defects or property damage during delivery.
- Retail: Customer injuries or slip-and-fall incidents in stores.
- Construction: On-site accidents, third-party injuries, or subcontractor negligence.
- Professional Services: Advertising injury or reputational damage from client disputes.
To better understand how CGL applies to specific industries, see Minaris’ insights in Why Malaysian SMEs Need General Liability Insurance.
2. Identify Your Coverage Needs
A strong CGL policy should include:
- Public liability (injuries or damages to non-employees)
- Product liability (defective product claims)
- Completed operations coverage (post-project incidents)
- Legal defence and settlement costs
- Advertising injury protection
Some insurers also provide add-ons like contractual liability or pollution coverage for specific industries.
You can explore detailed coverage breakdowns at Minaris’ What Commercial General Liability Insurance Covers.
3. Evaluate Policy Limits and Exclusions
The “limit of liability” determines the maximum amount the insurer will pay per claim or per policy term.
Key tips:
- Opt for higher limits if your business deals with high-risk operations or large contracts.
- Review exclusions carefully (e.g., employee injuries, intentional acts, or professional errors may not be covered).
- Combine policies where necessary — for instance, supplementing with Professional Indemnity Insurance or Product Liability Insurance.
4. Compare Providers and Claims Reputation
When comparing insurers, focus on:
- Claims efficiency – How quickly and fairly are claims resolved?
- Reputation and financial strength – Choose established providers like Minaris with experience in business risk management.
- Industry knowledge – Work with insurers who understand your sector-specific exposures.
A provider’s track record in handling Common General Liability Insurance Claims in Malaysia is often the best indicator of reliability.
5. Align Coverage With Your Contracts and Clients
Before signing supplier or service contracts, review any insurance requirements stated. Some clients mandate specific coverage amounts or clauses (e.g., waiver of subrogation).
Having appropriate CGL coverage ensures smooth contract execution and avoids project delays due to missing documentation.
6. Balance Cost and Value
While budget matters, choosing the cheapest policy often leads to insufficient protection. Evaluate total value — including policy features, flexibility, and customer support.
For practical guidance, visit Do Malaysian SMEs Need Liability Insurance?, which explains cost-effective strategies for small businesses.
7. Consider Combined Coverage Options
Some businesses may benefit from combined or contractors’ general liability insurance — a hybrid package that merges multiple protections into one policy.
This is ideal for:
- Construction and engineering firms
- Logistics and warehousing companies
- Businesses managing multiple subcontractors
Learn more about your options through Combined vs. Contractors General Liability Insurance.
Benefits of Getting the Right Liability Coverage
✅ Financial Protection
Reduces the risk of significant out-of-pocket expenses from lawsuits or damages.
✅ Reputation Management
Demonstrates corporate responsibility and builds trust with clients and partners.
✅ Operational Continuity
Minimises business interruptions by covering costs associated with claims and settlements.
✅ Compliance Assurance
Ensures your business meets industry-specific regulatory and client contract requirements.
Common Mistakes When Buying Liability Insurance
1. Overlooking coverage exclusions.
Many claims get rejected because business owners fail to understand what’s not covered.
2. Underinsuring.
Choosing low coverage limits might save costs now but can cause financial strain during major incidents.
3. Ignoring industry-specific extensions.
High-risk industries often need add-ons such as product or pollution liability.
4. Not reviewing policies regularly.
As your business grows, so do your risks. Annual policy reviews are essential.
For a broader understanding of misconceptions, visit General Insurance Myths to Avoid.
Integrating Liability Insurance into Your Risk Management Plan
A CGL policy is most effective when integrated into a comprehensive risk management strategy. Combine it with other protections like:
- Professional Indemnity Insurance (for service-related risks)
- Fidelity Guarantee Insurance (for employee dishonesty)
- Property All-Risk Coverage (for asset protection)
This layered approach ensures your business remains resilient, regardless of unforeseen events.
You can find more insights on risk planning at Insurance Insights for Malaysian Business Owners.
Frequently Asked Questions (FAQ) on Commercial General Liability Insurance
It covers third-party bodily injury, property damage, and personal or advertising injury caused by your business operations or premises. Read the full breakdown at What Commercial General Liability Insurance Covers.
It’s not mandatory for all businesses, but many contracts and industries require it for compliance and risk management. Learn more at Is Commercial General Liability Insurance Required in Malaysia?.
Public liability insurance covers third-party injury or damage that occurs on your business premises. CGL provides broader protection, including product and advertising-related claims. Details at Public vs. General Liability Insurance Malaysia.
Coverage depends on your industry risk level, revenue, and contract requirements. SMEs typically choose RM500,000–RM2 million in coverage, while larger firms may need higher limits.
No, it covers third parties only. Employee injuries are covered under separate Workers’ Compensation or Employer’s Liability Insurance policies.
Yes. Many Malaysian insurers offer customisable, affordable plans suited to small businesses. For insights, visit Why Malaysian SMEs Need General Liability Insurance.
Implement workplace safety procedures, staff training, and routine maintenance. Explore real-world examples in Common General Liability Insurance Claims in Malaysia.
Conclusion: Choose Protection That Fits Your Industry
Selecting the right commercial general liability insurance is not just about fulfilling requirements — it’s about securing your business future.
The right coverage ensures that one unexpected incident doesn’t derail years of hard work. By understanding your industry risks, comparing providers, and working with trusted experts like Minaris, you can safeguard both your financial stability and reputation.
In today’s competitive job market, attracting and retaining top talent takes more than just offering a good salary. Employees now expect a workplace that values their wellbeing — and one of the most powerful ways to show that is through employee benefits insurance.
For HR managers in Malaysia, understanding how to structure and optimise these insurance plans is crucial not only for compliance and productivity, but also for building a motivated and loyal workforce.
What Is Employee Benefits Insurance?
Employee benefits insurance is a collective term for insurance plans provided by employers to protect employees against health, accident, and life-related risks. These policies are often bundled under a group medical insurance scheme, providing employees with coverage that extends beyond standard healthcare benefits.
In essence, it’s a form of corporate protection — ensuring that employees are taken care of in times of need while helping employers manage business risks associated with absenteeism, workplace injuries, or unexpected medical costs.
At its core, employee benefits insurance is about creating a balance between corporate responsibility and employee wellbeing.
Why Employee Benefits Matter in Malaysia
With the rise of talent mobility and remote work, Malaysian employees are increasingly comparing benefits packages before deciding where to work. A well-designed employee benefits plan can make a real difference.
Here’s why it matters for HR and business leaders:
- Talent attraction and retention – Candidates are more likely to join companies that demonstrate genuine care for their wellbeing.
- Enhanced job satisfaction – Employees with medical and life coverage experience greater peace of mind and productivity.
- Compliance with local regulations – Certain industries and employment contracts require specific coverage types.
- Reduced absenteeism – Access to quality healthcare shortens recovery times and supports long-term workforce sustainability.
- Improved employer branding – A good benefits policy reflects professionalism, care, and corporate ethics.
Common Types of Employee Benefits Insurance in Malaysia
Depending on the organisation’s size, industry, and employee demographics, the structure of an employee benefits plan can vary. Here are some of the most common types of insurance that Malaysian employers provide:
1. Group Medical Insurance
This is the foundation of most employee benefits plans. It typically includes:
- Inpatient and outpatient hospitalisation coverage
- Surgical and specialist consultation fees
- Maternity or dental add-ons (depending on plan level)
- Panel clinic access and cashless medical claims
For reference, Minaris’ Accident and Health Classes page provides detailed insight into how medical and accident insurance can be structured for corporate clients.
2. Group Personal Accident Insurance
This covers accidental death or permanent disablement resulting from workplace or non-workplace accidents. It offers financial protection to employees and their families, ensuring that a sudden tragedy doesn’t result in severe financial distress.
3. Group Term Life Insurance
Group life insurance provides financial support to the dependents of an employee in the event of death due to natural or accidental causes. Many companies pair this with additional benefits like critical illness coverage or income replacement schemes.
4. Hospitalisation & Surgical (H&S) Coverage
Beyond basic medical insurance, H&S coverage focuses on hospital stays and surgical expenses. It ensures employees have access to quality hospitals and doctors without facing overwhelming out-of-pocket costs.
5. Fidelity Guarantee Insurance
While not traditionally part of health-related benefits, Fidelity Guarantee Insurance plays an important role in protecting the business from internal fraud or dishonest acts committed by employees. It complements a company’s HR risk management framework and builds trust within the organisation.
How Employee Benefits Insurance Supports Businesses
Implementing employee benefits insurance isn’t just about employee welfare — it’s also a strategic investment in business continuity.
✅ 1. Reduces Financial Burden on Employers
When an employee falls sick or gets injured, the associated medical expenses can be significant. With a group insurance plan, the employer can share this risk with an insurance provider, maintaining predictable budgeting and reducing financial strain.
✅ 2. Encourages Productivity and Morale
Healthy employees are productive employees. Having accessible healthcare coverage improves morale, decreases turnover, and enhances overall engagement.
✅ 3. Strengthens Corporate Risk Management
By integrating benefits like medical, life, and fidelity guarantee insurance, companies can create a robust shield against operational disruptions and HR-related risks.
You can learn more about corporate protection through Minaris’ General Liability Insurance Cost in Malaysia and Public Liability Insurance Coverage pages — both relevant for HR and operations teams managing staff and workplace safety.
Key Considerations for HR Managers
When designing or reviewing an employee benefits policy, HR managers should focus on more than just cost. Here are five essential factors to consider:
1. Workforce Demographics
The age, health status, and family composition of your employees influence the type of coverage required. Younger teams may value outpatient or dental care, while older teams may prioritise chronic illness management and hospitalisation benefits.
2. Company Budget and Contribution Model
Decide whether the company will cover 100% of the premiums or share costs with employees. Transparent communication about these contributions helps foster trust and understanding.
3. Customisation and Flexibility
Every business is unique. Choose a provider that allows you to customise plans — for example, adding coverage for dependents or enhancing outpatient benefits.
4. Provider Network and Claims Efficiency
Work with insurers that have extensive hospital networks and efficient claims systems. A poor claims experience can undermine employee confidence in your benefits programme.
5. Compliance and Tax Implications
Ensure your policies align with Malaysia’s Employment Act and tax regulations. In some cases, premiums paid by employers may qualify for deductions or benefits-in-kind considerations.
How to Choose the Right Employee Benefits Insurance Provider
Selecting the right insurance partner can make all the difference. Here’s what HR managers should look for:
Criteria | Why It Matters |
Experience and Financial Stability | Choose an insurer with a strong reputation and track record in corporate plans. |
Comprehensive Product Portfolio | Providers offering both medical and liability coverage can simplify management and integration. |
Customisation Options | Flexibility to scale coverage as your workforce grows. |
Customer Support and Claims Handling | Efficient claims resolution improves employee satisfaction. |
Transparent Pricing | Avoid hidden fees or complex premium structures. |
A reliable partner like Minaris brings not just insurance coverage, but also peace of mind through transparent advice and responsive service.
Common Mistakes HR Managers Should Avoid
- Choosing the cheapest plan without evaluating coverage depth.
Cost savings upfront may lead to higher risks later if coverage gaps exist. - Ignoring employee feedback.
Conduct annual surveys to assess whether the benefits meet employees’ needs. - Failing to review policies regularly.
As your business evolves, so do your risk exposures. Always align coverage with new realities such as hybrid work or overseas expansion. - Overlooking non-medical employee risks.
Consider complementary protections like Professional Indemnity Insurance or Fidelity Guarantee to safeguard both people and business assets.
Integrating Employee Benefits Into a Broader Risk Strategy
Forward-thinking HR managers now view employee benefits as part of an integrated risk management framework.
By combining employee benefits insurance, general liability, and fidelity guarantee, businesses can create a resilient structure that protects both human capital and organisational assets.
Such integration ensures:
- Continuity of operations even during employee absences
- Reduced exposure to internal fraud or negligence
- A strong corporate reputation for employee care
Ultimately, this approach turns employee insurance from a mere cost into a long-term investment in organisational success.
The Future of Employee Benefits in Malaysia
The landscape of employee benefits is evolving. With growing emphasis on mental health, flexible benefits, and preventive healthcare, employers will need to adapt their insurance strategies.
Emerging trends include:
- Wellness add-ons like gym memberships or mental health consultations
- Telehealth coverage for remote employees
- Flexible benefits allowing staff to choose coverage types that fit their needs
- Integration with ESG policies, reflecting corporate commitment to employee wellbeing and sustainability
As the workplace evolves, so must your benefits strategy — aligning business goals with the needs of a modern, diverse workforce.
Frequently Asked Questions (FAQ) on Employee Benefits Insurance in Malaysia
While both are related, employee benefits insurance is a broader term covering multiple protection types — such as medical, life, accident, and disability insurance.
Group medical insurance, on the other hand, is one component within that umbrella, focusing specifically on hospitalisation, outpatient care, and medical expenses for employees.
No, Malaysia does not legally mandate employee benefits insurance for all sectors. However, it is strongly encouraged as part of good HR practice. Certain industries or contracts, such as those involving high-risk work, may require specific coverage for compliance or licensing purposes.
Costs vary depending on company size, employee age, and chosen coverage. Employers can expect to spend between RM500 to RM2,000 per employee per year for standard group medical insurance. Comprehensive plans with life and accident coverage will cost more but deliver greater protection and retention value.
Yes. Many insurers, including Minaris, offer scalable packages that fit SME budgets. Even basic coverage provides meaningful protection and helps smaller companies compete with larger employers in attracting skilled talent.
Key factors include:
- The provider’s financial stability and claims reputation
- Availability of customisable plans
- Customer service quality and response time
- Integration with other coverages, such as Professional Indemnity or General Liability Insurance
Traditionally, coverage focused on physical health. However, more Malaysian insurers now include mental wellness benefits, such as counselling sessions or Employee Assistance Programmes (EAP). Forward-thinking HR teams are increasingly adopting these to promote overall wellbeing and prevent burnout.
Ideally once a year. Regular reviews ensure your coverage remains aligned with workforce changes, inflation, and evolving medical needs. An annual assessment also helps identify gaps and opportunities for improvement.
Conclusion: Protecting Your Team, Empowering Your Business
In Malaysia’s fast-changing business environment, employee benefits insurance is no longer optional — it’s essential. A comprehensive benefits plan shows commitment, care, and compliance, reinforcing your company’s reputation as a responsible employer.
For HR managers, investing in a structured benefits policy backed by an experienced provider like Minaris means safeguarding both your employees’ health and your company’s future.
When a construction dispute lands on your desk, two legal paths usually shape your exposure: contract and tort (negligence).
For Malaysian architects and engineers, understanding the difference—and how both can apply at the same time—is essential to reduce risk, defend your work, and keep projects moving. This guide breaks down the basics in plain language, shares practical scenarios, and shows how professional indemnity insurance for architect and professional indemnity insurance for engineers protect your practice when things go wrong.
Contract vs. Tort in simple terms
Contract liability
Comes from what you agreed to do in your appointment or the project’s standard form (often PAM 2018). It’s about promises—scope, deliverables, timelines, roles, and fee. If you don’t perform to the standard in the agreement, you may be in breach of contract.
Tort (negligence)
About a duty of care you owe as a professional—regardless of the contract. To succeed, a claimant typically shows four elements: duty of care, breach of that duty, causation, and loss. The benchmark is “reasonable skill and care” expected of a competent professional in similar circumstances.
In practice, both can be alleged together: “You breached your contract and you were negligent.” That’s why documentation, scope clarity, and the right PII are critical.
Where professionals get caught: 5 Malaysian scenarios
1) Temporary works vs. permanent works
- The trap: Your appointment covers permanent works; the contractor handles temporary works. A partial collapse occurs during construction and fingers point at everyone.
- Why exposure arises: If temporary works affect the safety or integrity of permanent works, you may still face questions about coordination, review, or warnings.
- How to reduce risk: Define who designs what, and how temporary works interface with your permanent design. Ask for method statements on high-risk operations (deep excavations, heavy propping, top-down sequences) and keep written advice when you flag concerns.
2) Specialist consultants and delegated design
- The trap: You rely on a façade/fire/geotech specialist engaged by the client or contractor. Later, defects emerge and the owner sues the “lead designer.”
- Why exposure arises: Courts and clients examine whether you exercised reasonable care in coordinating the specialist’s inputs and highlighting gaps.
- How to reduce risk: Put written limits on what you review (design intent vs. detailed calculation check), log design coordination meetings, and keep a design basis report that lists assumptions and responsibilities by discipline.
3) Means of escape and UBBL interpretations
- The trap: Occupant loads change after leasing plans evolve (e.g., a cinema or larger F&B). Late in the project, authorities question exit widths and protected routes.
- Why exposure arises: Even if the mix changed, the design team can be blamed for not updating egress calcs or issuing timely warnings.
- How to reduce risk: Maintain a live egress/occupancy schedule, update when tenant mix changes, record your advice to the client, and minute authority clarifications.
4) Coordination errors (structure vs. M&E vs. architecture)
- The trap: Transfer beam depths clash with main M&E ducts; re-routing at the 11th hour delays completion and triggers compensation claims.
- Why exposure arises: Poor model coordination or late responses to RFIs are easy for a claimant to frame as negligence and breach.
- How to reduce risk: Use clash detection with sign-off gates, maintain an RFI log with response times, and publish drawing issue sheets showing who had what, when.
5) Hillside and geotechnical uncertainty
- The trap: Slope stabilization and retaining walls meet the “paper design,” but groundwater conditions are harsher than expected. Movement and distress appear.
- Why exposure arises: Plaintiffs argue investigations were insufficient, warnings weren’t firm enough, or drainage details were inadequate for real weather patterns.
- How to reduce risk: Commission geotech to the right standard, design to water (not just to soil), detail drainage and access for maintenance, and keep records of value-engineering decisions you did not endorse.
Why the contract still rules the battlefield
Standard forms (like PAM 2018) shape who does what, how variations are handled, and what “inspection” or “supervision” actually means. If your appointment is silent or vague, you’re exposed to “scope creep” arguments (“You were supervising the contractor!”). A tight appointment should:
- Separate design responsibility from site inspections (observation vs. supervision).
- Define reliance on specialists and the nature of your review.
- Set a clear change control process (RFIs, instructions, revised drawings).
- Identify exclusions (temporary works, shop drawing approval, contractor’s design portions).
- Include a proportionate liability cap and robust intellectual property terms where feasible.
Good paperwork limits contract exposure—and helps your insurer defend negligence claims later.
How PII protects you (and what underwriters look for)
A strong professional indemnity insurance for architect or professional indemnity insurance for engineers policy typically covers:
- Defence costs: Lawyers, experts, and investigations—usually with insurer consent.
- Damages/settlements: When you’re found liable or agree a settlement.
- Pre-claims assistance: Support when you spot a circumstance early—often the difference between a fix and a lawsuit.
- Inquiry attendance & PR expenses: Sub-limits that help when regulators and the media get involved.
- Useful extensions: Loss of documents, defamation, IP infringement, liability for consultants/subcontractors, joint-venture liability, run-off after project completion, continuous cover for prior-unknown matters (policy-dependent).
Underwriters love to see: written scopes, DBRs, peer review logs, authority minutes, RFI/change logs, and a clean notification culture (you tell them early when trouble brews). Present this in your renewal and you’re more likely to get better terms, higher limits, and faster claim support.
A step-by-step playbook to stay out of trouble
1. Write it down
Crystal-clear appointments and scopes for each discipline.
2. Own the DBR
Maintain a living Design Basis Report—codes, assumptions, loads, UBBL references, occupant loads, design changes.
3. Coordinate with proof
Scheduled clash reviews, recorded actions, and sign-offs.
4. Flag in writing
When risk appears (temporary works, slope cuts, egress load increases), issue written warnings and recommendations.
5. Peer review the big calls
Transfer structures, deep basements, smoke control, façade fire breaks, soil-retaining systems.
6. Keep the authority trail
Save emails, minutes, and circulars; note interpretations that affect drawings.
7. Notify your insurer early
A “circumstance” letter can unlock pre-claims support and contain costs.
8. Right-size your PII
Align limits to project value, LD exposure, and role (lead vs. specialist). Review extensions you really need.
The bottom line
In Malaysia’s construction environment—tight timelines, changing tenant mixes, and evolving code interpretations—both contract and tort risks are ever-present. The firms that thrive combine sharp paperwork, disciplined coordination, and well-structured professional indemnity insurance. Do the first two well, and the third becomes your financial shock absorber when a dispute still finds you.
Need help tailoring professional indemnity insurance for architect or professional indemnity insurance for engineers to your project mix? Talk to the team at Minaris Risk Management for right-sized limits, practical extensions, and fast, knowledgeable claims support.
Explore our range of coverages:
📞 Ready to secure your future? Contact us today.
Sources
- Board of Engineers Malaysia (BEM) – Acts & Regulations: https://www.bem.org.my
- Pertubuhan Akitek Malaysia (PAM) – Contracts & Practice Notes: https://www.pam.org.my
- Uniform Building By-Laws (UBBL) – KPKT/JKT resources: https://www.kpkt.gov.my