Author name: Jayadarshiniy Sankar

In today’s legal landscape, relying solely on the mandatory PII limit of RM350,000 per claim may leave your firm exposed — especially when handling complex transactions, high-value litigation, or corporate advisory matters. That’s where a Top-Up Professional Indemnity Insurance (PII) policy becomes essential.  At Minaris, we specialise in tailoring cost-effective Top-Up PII solutions, allowing legal […]

When a cyberattack strikes, most organizations immediately think of IT — servers, systems, and software. But in reality, recovering from a cyber incident requires far more than just technical fixes.  Behind every successful recovery is a Specialist Incident Response Ecosystem — a coordinated team of experts who work together to contain the breach, protect the

Decode Top-Up Professional Indemnity Insurance: 23Key Terms Every Law Firm Should Know When buying Top-Up Professional Indemnity Insurance (Excess Layer PII) for law firms in Malaysia, the policy wording often comes with technical terms that can be confusing. At Minaris Risk Management, we believe in making things simple for our clients. Here’s a clear explanation

Understanding Territorial and Jurisdictional Limits inLiability & Casualty Insurance When it comes to liability and casualty insurance, two terms often create confusion: Territorial Limit Jurisdictional Limit They may sound similar but serve very different purposes. If misunderstood, they can lead to unexpected coverage gaps—especially for businesses with overseas projects or clients. In Malaysia, it’s very

Designer’s Risk Cover – Why Every Construction ProjectNeeds It Designer’s Risk Cover – Why Every Construction ProjectNeeds It In the world of construction and engineering, risk is inevitable. Even with the best planning, highly skilled professionals, and top-quality materials, defects can occur. A single design error, a batch of faulty materials, or poor workmanship in

When financial disputes arise—whether over a rejected insurance claim, an unauthorised bank transaction, or an investment gone wrong—consumers often feel they have limited options. Do they fight it out in court, which can be costly and time-consuming? Or simply give up, taking the loss on the chin? Starting 1 January 2025, Malaysians have a new

One of the most common questions we hear from business owners and professionals is: “If my Comprehensive General Liability (CGL) policy includes an Errors & Omissions (E&O) extension, do I still need Professional Indemnity Insurance(PII)?” The answer is no. While the two may seem similar, an E&O extension under a CGL policy is not the

Cybercrime is no longer a concern exclusive to large corporations. In Malaysia, Small and Medium Enterprises (SMEs) are now among the most frequent targets of cyberattacks — from phishing scams and ransomware to data breaches and business email compromise.  Unfortunately, many SMEs still lack the protection they need. That’s where cyber security insurance comes in.

When we think about employee benefits, we often imagine a safety net— coverage for medical emergencies, surgeries, and hospital stays. But what happens when an employee’s health condition requires a procedure often misunderstood as “cosmetic”? Let’s talk about bariatric surgery—a medically recognized treatment for severe obesity and related conditions like hypothyroidism, diabetes, hypertension, and sleep