Author name: Jayadarshiniy Sankar

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.

Malaysia’s general insurance sector is entering a period of transformation as new solvency rules under Risk-Based Capital Framework 2 (RBC 2) are set to take effect in 2027. The upcoming framework is expected to push insurers to restructure, consolidate, and possibly increase premiums, due to the need for higher capital reserves—especially for catastrophe risks like