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One of the most common questions among Malaysian business owners is: “Is Commercial General Liability Insurance (CGL) mandatory by law?” The short answer? Not always — but often, it’s effectively required. In this article, we’ll break down: Whether CGL is legally mandated in Malaysia The industries and situations where it becomes compulsory The hidden risks […]

Commercial General Liability Insurance (CGL) is often seen as a “catch-all” business protection plan — but in reality, it has specific and defined areas of coverage.  Understanding exactly what is (and isn’t) covered will help Malaysian business owners make informed decisions when choosing a policy. This article breaks down each main coverage area of a

In today’s unpredictable business world, even the most cautious Malaysian business owner can face unexpected liability risks. A customer slips in your store. A subcontractor accidentally damages client property.  A defective product leads to injury. Any of these situations can result in lawsuits, financial loss, and long-term reputational damage. That’s where Commercial General Liability Insurance

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

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

Who Bears the Liability When a Medical Device Fails –The Manufacturer or the Practitioner? Who Bears the Liability When a Medical Device Fails –The Manufacturer or the Practitioner? Who Bears the Liability When a Medical Device Fails –The Manufacturer or the Practitioner? Who Bears the Liability When a Medical Device Fails –The Manufacturer or the

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

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