Author name: Sing Yue Lim

Lim Sing Yue is an Insurance Advisory Manager with a Bachelor Degree of Business Administration (HONS) and strong expertise in client servicing, sales operations, and strategic account management. With experience in multinational firms across the electronics and procurement sectors, she excels in delivering tailored insurance solutions with efficiency and precision.

Combined General Liability vs Contractors’ General Liability: Which One Should You Choose?

Choosing the right liability insurance can be confusing — especially when terms like  Combined General Liability (CGL) and Contractors’ General Liability sound almost alike. However, the right choice depends heavily on the nature of your business and the risks you face.  Here’s a simple guide to help you decide: If You’re a Manufacturer — Choose […]

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Why Your Mandatory PII May Not Be Enough for Misconduct Claims – and How Top-Up PII Protects Your Firm

When it comes to running a legal practice in Malaysia, professional liability risks are part of the job. From client fund handling to conflicts of interest and allegations of professional breaches, law firms today face exposure that can lead to serious financial consequences. This is where Professional Indemnity Insurance (PII) comes in—protecting firms against the

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e police report in highway

e-Police Reporting for Minor Accidents: What Malaysians Drives Need to Know for Insurance Claims

Starting 1st September 2025, Malaysian drivers involved in minor single vehicle accidents along selected PLUS Highways can now submit e-Police reports online. This new initiative by PDRM (Royal Malaysia Police) makes it easier, faster, and more convenient for motorists to comply with reporting requirements—especially for insurance and takaful claims. Here’s what you need to know:

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public liability vs cgl insurance

Public Liability vs. Comprehensive General Liability in 5 Steps

As a business owner in Malaysia, safeguarding your company from unforeseen risks is no longer optional—it’s essential. One major way to protect your operations is through the right liability insurance. Two of the most common options are Public Liability Insurance and Comprehensive General Liability (CGL) Insurance. While they sound similar, they cover different risks. Knowing

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cybersecurity insurance coverage

What Does Cyber Security Insurance Actually Cover in Malaysia

In an increasingly digital world, cyber threats are no longer a distant risk — they are a daily reality. From ransomware attacks to data breaches and phishing scams, businesses of all sizes in Malaysia face growing cybersecurity threats. This is where cyber security insurance steps in as a powerful layer of financial protection. But what

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how to file cyber security claim

How to File a Cyber Security Insurance Claim in Malaysia

In today’s hyper-connected business environment, cyberattacks can strike without warning — whether it’s ransomware, a phishing scam, or a massive data breach. If you’re covered by cyber security insurance, you already took the first smart step to protect your business.  But in the heat of the moment, knowing exactly how to file a cyber security

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pharma fensor case study

Case Study: When Enforcement Strikes – How Pharmafensor Protected a Pharmacist from Legal Nightmare

In the often high-stakes world of pharmacy, even a routine day can suddenly spiral into a full-blown legal crisis. This is exactly what happened to one of our Pharmafensor clients earlier this year. The incident, which started as a regular dispensing process, escalated into an enforcement raid, investigation, and ultimately, a court summons—with potential fines

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