Liability Insurance

In the course of clinical practice, physiotherapists routinely make decisions that directly influence patient outcomes. While these decisions are made based on professional training and clinical judgement, they are not immune to scrutiny. In Malaysia, the legal and regulatory environment surrounding healthcare professionals is evolving. Patients are increasingly informed, expectations are higher, and the threshold […]

Real estate agents play a critical role in property transactions, acting as intermediaries between buyers, sellers, landlords, and tenants.  In the course of providing advice, valuations, marketing, and transaction support, agents are exposed to professional risks that can lead to disputes or legal claims. This is where professional indemnity insurance for real estate agents becomes

As Malaysia’s healthcare and wellness sector continues to grow, therapists are increasingly operating in more regulated, professional, and risk-aware environments.  Whether you are a psychologist, counsellor, occupational therapist, speech therapist, or clinical practitioner, one important question often arises: do therapists need professional liability insurance? The short answer is yes—and for good reason. Professional liability insurance

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,

When businesses purchase property insurance, the focus is almost always on major perils — fire, explosion, flood, storms, or natural catastrophes. These risks are visible. They feel dramatic.But in practice, many of the most frequent and costly property losses do not arise from extraordinary events. They arise from day-to-day operations. At Minaris Risk Management, a

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,

Introduction: Good Risk Management Starts Before the Claim Most lawyers understand the importance of issuing a Letter of Engagement at the start of every client relationship. Clear instructions, defined scope, and agreed fees reduce misunderstandings and help prevent disputes. But in today’s legal environment, documentation alone is no longer sufficient protection. Even with a properly