Author name: Jayadarshiniy Sankar

From time to time, governments may declare unexpected public holidays or non-gazetted holidays, often to mark special national events or celebrations. While these announcements may be welcomed by employees, they can create operational and financial challenges for businesses, especially if the announcement is made at short notice. Many Malaysian businesses naturally wonder: Can Business Interruption […]

Global trade depends on stability. However, in recent years, geopolitical tensions, regional conflicts, and disruptions to international trade routes have become more frequent. For Malaysian exporters, importers, and logistics companies, this raises an important question: What happens if cargo is damaged or lost due to war-related events? This is where Institute War Clauses (Air Cargo)

Physiotherapy practice often involves managing conditions that appear straightforward at the outset. However, clinical presentations can evolve, and outcomes are not always predictable. When treatment does not progress as expected, questions may arise. In some cases, these questions develop into formal complaints or legal claims. The following scenarios illustrate how routine cases can escalate. Case

A recent Malaysian Court of Appeal decision involving an elderly patient who suffered brain damage after a dental clinic visit serves as a powerful reminder: Even routine dental procedures can lead to serious allegations — and prolonged litigation. For dental practitioners, this case underscores the critical importance of having comprehensive Professional Indemnity Insurance for Dentist

On 9 February, the Malaysian Court of Appeal delivered a significant insurance decision involving a RM1.5 million motor insurance claim. The ruling reinforces a core principle in Malaysian insurance law — the duty of utmost good faith Malaysia. The case serves as a strong reminder to all policyholders:Failure to disclose material facts can result in

Malaysia’s increasing reliance on digital technologies has fundamentally changed the national risk landscape. As highlighted in the Malaysia Cyber Security Strategy 2020–2024 (MCSS), cyberspace now underpins economic activity, public services, national security, and societal well-being With this growing dependency comes an equally expanding exposure to cyber threats — ranging from financially motivated cybercrime to sophisticated,

Cyber insurance was created for one simple reason:to help businesses survive when a cyber incident happens. It does not stop cybercrime from occurring — but it plays a critical role in protecting a company’s financial stability, reputation, and continuity when systems are compromised. And today, with AI-driven attacks, ransomware automation, phishing bots, and deepfake scams,

Malaysia’s increasing reliance on digital technologies has fundamentally changed the national risk landscape. As highlighted in the Malaysia Cyber Security Strategy 2020–2024 (MCSS), cyberspace now underpins economic activity, public services, national security, and societal well-being With this growing dependency comes an equally expanding exposure to cyber threats — ranging from financially motivated cybercrime to sophisticated,

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