Marine cargo insurance is often perceived as a simple “all-risks” safety net—once goods are insured, many assume every loss will be paid. In reality, a significant number of marine cargo claims are reduced or rejected not because insurance is absent, but because expectations do not match policy reality. This article addresses the most common marine […]
For businesses that ship goods frequently, marine insurance should never slow operations down. Yet many companies still rely on single voyage policies, issuing insurance documents shipment by shipment—adding paperwork, delays, and the risk of human error. This is where Marine Open Cover (MOC) comes in. Often misunderstood or underutilised, a Marine Open Cover is one
In today’s interconnected economy, goods rarely move in a straight line from seller to buyer. A single shipment may pass through multiple ports, carriers, warehouses, and jurisdictions—each presenting unique risks. From container damage and water ingress to theft, mishandling, or delay, cargo loss remains one of the most common yet misunderstood business risks. This is
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,
On 11 December 1993, Block 1 of Highland Towers collapsed after days of heavy rainfall and a landslide. Forty-eight lives were lost, and the country came to a standstill. Court actions and compensation dragged on for years, and the settlement figure—often cited in the tens of millions of ringgit—became shorthand for how devastating a single
In Malaysia, fire safety isn’t just best practice—it’s the law. The Uniform Building By-Laws (UBBL) 1984 sets minimum requirements for escape routes, fire resistance, compartmentation, access for fire appliances, and more. When designs miss these requirements—or when later interpretations reveal gaps—projects face delays, costly rectification, and potential negligence claims against the design team. That’s why
Fire, Code & Liability: How UBBL Non-Compliance Becomes a PII Claim in Malaysia Read More »
Architects and engineers turn ideas into buildings people use every day—homes, malls, hospitals, schools. In Malaysia, they also have to make sure designs follow local laws and safety rules. Most of the time, projects go smoothly. But when something slips—an error in calculations, a missing safety feature, or the wrong material—clients can face delays, extra
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
The Unsung Heroes of a Cyber Breach: Inside a Specialist Incident Response Ecosystem Read More »
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
Decode Top-Up Professional Indemnity Insurance: 23 Key Terms Every Law Firm Should Know Read More »
