Author name: KH CHEW

KH Chew is the Founder and Risk Advisor of Minaris, with over 30 years of experience in the insurance industry. He holds a Diploma in Insurance from the Malaysian Insurance Institute (MII), which laid the foundation for his in-depth expertise in property, financial lines, and other general insurance products. He is widely recognized for developing tailored insurance schemes for professionals and businesses across Malaysia. KH is also a passionate advocate for risk management and regularly advises clients and trade associations on comprehensive coverage strategies.

home fire insurance vs commercial fire insurance

Commercial Fire Insurance vs. Homeowner Fire Insurance: What’s the Difference?

Learn the key differences between commercial fire insurance and homeowner fire insurance policies. Choose the right coverage to protect your property and business. Fire insurance is a must-have for anyone looking to protect their property from catastrophic loss. But not all fire insurance policies are created equal. Whether you’re running a business or protecting your […]

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product liability insurance covers

What’s Covered Under Product Liability Insurance for Online Sellers?

Covered or Not? What Online Sellers Must Know About Product Liability Insurance As an online seller, your job doesn’t end once a product leaves your hands. If your product causes injury or damage even if it was manufactured by someone else—you could face legal action and financial losses. Product Liability Insurance is designed to protect

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online seller product indemnity insurance

Do Online Sellers Need Product Liability Insurance?

Hidden Dangers: Why Online Sellers Must Have Product Liability Insurance Selling online has never been easier. With platforms like Shopee, Lazada, and social media, entrepreneurs are building thriving e-commerce businesses from home. But while sales and shipping may be digital, the risks are very real—especially if a product causes injury or damage. That’s why Product

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contractors all risk insurance

What Is Contractors All Risk Insurance Malaysia

In Malaysia’s fast-paced construction and infrastructure development sector, managing risks is not just good practice—it’s essential.  From high-rise buildings to civil engineering works, every project carries exposure to unexpected events that could cause financial loss, legal issues, or project delays. That’s where Contractors All Risk Insurance Malaysia comes into play. This guide will help you

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fidelity guarantee insurances

How Fidelity Guarantee Insurance Protects You from Employee Fraud

Preventing Internal Loss: How Fidelity Guarantee Insurance Shields Your Business from Employee Fraud While cybersecurity and external threats dominate most business risk discussions, internal fraud by employees remains one of the most common— and costly—risks faced by businesses. Whether it’s embezzlement, falsifying financial records, or unauthorized transfers, internal theft can quietly drain your resources and

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fidelity guarantee insurance

What Is Fidelity Guarantee Insurance?

Fidelity Guarantee Insurance Explained: Your First Line of Defense Against Employee Dishonesty Trust is the foundation of any business—but even the most trusted employees can sometimes betray that trust. From embezzlement and forgery to inventory theft, internal fraud is a growing threat for businesses of all sizes. Enter Fidelity Guarantee Insurance—a policy designed to protect

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goods in transit insurance

What Is Goods in Transit Insurance and Why It Matters for Local Businesses

Guard Your Goods on the Move: The Case for Goods in Transit Insurance While many businesses focus on protecting their inventory in warehouses or production facilities, few realize that the most vulnerable moment for goods is when they’re on the road. From fender-benders and rollovers to cargo theft and flash floods, goods being transported domestically

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marine cargo insurance

What Is Marine Cargo Insurance and Why Your Business Needs It

Secure the Seas: Why Marine Cargo Insurance Is Essential for Global Trade In the fast-paced world of international trade, the movement of goods across borders is constant. Whether by sea, air, or land, goods are transported daily across thousands of kilometers—making them vulnerable to a wide range of unpredictable risks. From turbulent weather and rough

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e invoice system malaysia

Understanding Malaysia’s e-Invoice System: What It Is, Why It Matters, and What Information We Collect

The Malaysian Inland Revenue Board (LHDN) is implementing an e-Invoice system as part of its efforts to enhance tax compliance and improve the efficiency of business transactions. With the growing shift towards digital transformation, the e-Invoice initiative is designed to streamline tax administration, minimize fraud, and simplify tax reporting for businesses of all sizes. If

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what is professional indemnity insurance

What Does Professional Indemnity Insurance Cover? A Complete Guide for Businesses & Professionals

In today’s highly competitive and regulated business environment, professionals and businesses offering services or advice face legal and financial risks. Mistakes, misunderstandings, or client dissatisfaction can lead to costly lawsuits that damage both reputation and finances. This is where Professional Indemnity Insurance (PII) becomes essential. Whether you’re a consultant, doctor, lawyer, architect, engineer, or any

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