Author name: KH CHEW

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 […]

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

Healthcare professionals such as doctors, dentists, physiotherapists, chiropractors, nurses, and allied health practitioners deal with patients daily — and even with best practice, complaints or allegations can arise unexpectedly.  Real Scenario: A patient files a negligence complaint after a routine treatment leads to complications. Without proper coverage, the practitioner must handle lawyers, investigations, and legal

In today’s increasingly litigious healthcare environment, the importance of medical indemnity insurance cannot be overstated. For healthcare professionals, one small mistake—or even a false claim—can lead to costly lawsuits, reputational damage, and career disruption. If you’re a doctor, specialist, or medical business owner in Malaysia, you might be asking: Is it really worth investing in

In today’s globalised economy, shipping goods across borders is not just a convenience — it’s a necessity. Whether you’re importing raw materials or exporting finished products, your cargo is exposed to various risks throughout its journey.  Marine cargo insurance plays a crucial role in protecting your financial interests, providing coverage for loss or damage to

Commercial General Liability (CGL) insurance exists to protect your business from financial loss due to unexpected accidents and lawsuits. But what does that really look like in practice? In Malaysia, many SMEs and business owners don’t fully understand the types of claims CGL actually covers — until it’s too late. In this article, we’ll walk

For many small and medium enterprises (SMEs) in Malaysia, Commercial General Liability (CGL) insurance may feel like an unnecessary expense — especially when budgets are tight and profit margins are thin. But the reality is: liability risks are unpredictable, and even a single incident can cripple an unprotected business. In this article, we explore five

Whether you’re running a cafe, managing a factory, or providing services at client sites, Commercial General Liability (CGL) insurance is a smart and often essential investment. But how much does it actually cost in Malaysia? There’s no one-size-fits-all price tag. CGL premiums depend on several business-specific factors — and not understanding them can lead to

If you’re running a business in Malaysia, you’ve likely come across terms like Commercial General Liability (CGL), Public Liability Insurance, and Professional Indemnity Insurance. These insurance types may sound similar — after all, they all deal with risk and liability — but they serve very different purposes. In this article, we’ll break down: What each

One of the most common questions among Malaysian business owners is: “Is Commercial General Liability Insurance (CGL) mandatory by law?” The short answer? Not always — but often, it’s effectively required. In this article, we’ll break down: Whether CGL is legally mandated in Malaysia The industries and situations where it becomes compulsory The hidden risks