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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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.
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In today’s digitally driven world, the question is no longer if a cyber attack will happen — but when. Whether you’re a business handling sensitive client data or an individual storing personal information online, cyber threats are very real and increasingly common. From ransomware and phishing scams to data breaches and email fraud, the financial
Is It Worth Having Cyber Insurance? A Guide for Malaysian Consumers and Businesses Read More »
When we think about employee benefits, we often imagine a safety net— coverage for medical emergencies, surgeries, and hospital stays. But what happens when an employee’s health condition requires a procedure often misunderstood as “cosmetic”? Let’s talk about bariatric surgery—a medically recognized treatment for severe obesity and related conditions like hypothyroidism, diabetes, hypertension, and sleep
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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
RBC 2 & Insurance Industry Consolidation in Malaysia Read More »
If Airports Can Be Attacked, What About Your Business? 🛡 With the Cyber Security Act 2024 in Effect, Cyber Insurance Is No Longer Optional 📖 Inspired by: “Cybersecurity is National Security” – The Edge Malaysia, March 25, 2025 When Malaysia Airports Holdings Bhd (MAHB) was hit with a US$10 million ransom demand during a major
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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
Filing a general liability insurance claim can feel overwhelming, especially if you’ve never done it before. But in the event of an accident, property damage, or legal dispute, knowing how to respond quickly and correctly can make all the difference. In this guide, we’ll walk you through exactly how to file a Comprehensive General Liability
Running a small or medium-sized enterprise (SME) in Malaysia comes with its share of challenges—and risks. From customer slip-and-fall incidents to third-party property damage or advertising disputes, liability claims can hit unexpectedly and hard. One of the best ways for SMEs to protect themselves is through general liability insurance, also known as comprehensive general liability
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Understanding the cost of general liability insurance is crucial for business owners in Malaysia. Whether you’re an SME or a growing enterprise, knowing what influences your premium can help you make informed decisions and avoid overpaying. This article breaks down the key cost factors, typical price ranges, and tips for managing your insurance budget while
General Liability Insurance Cost in Malaysia – What Affects Your Premium Read More »
