SUCCESS CREATION AGENCY

Corporate & SME Insurance Solutions

Business insurance should begin with your people, operations, contracts, assets, technology and financial exposures. Explore each service below to understand who may need it, the key points to review and the full guide.

Group Medical Insurance

Group medical insurance can be an important employee benefit, but employers need to balance workforce needs, claims experience, cost and long-term sustainability.

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Who may need it?

SMEs
Growing employers
Talent-focused companies
Employers facing renewal pressure

Key points to understand

Hospital & surgery
Eligibility
Room & board
Claims experience

Group Personal Accident Insurance

Group personal accident insurance can complement employee benefits by providing specified accident-related benefits for eligible employees.

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Who may need it?

SMEs & employers
Field teams
Manufacturing & operations
Mobile staff

Key points to understand

Accidental death
Permanent disablement
Medical expenses
Occupation classes

D&O Insurance

Directors and officers can face allegations arising from decisions, duties and corporate governance. D&O insurance is designed to respond to covered claims subject to the policy.

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Who may need it?

Private companies & SMEs
Listed / larger organisations
Family businesses
Companies raising capital

Key points to understand

Legal defence costs
Wrongful acts
Regulatory investigations
Shareholder allegations

Professional Indemnity Insurance

Professional indemnity insurance is relevant when clients rely on professional advice, design, calculations or services and an allegation could create financial loss.

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Who may need it?

Consultants
Engineers & architects
Accountants & professional firms
IT & technology providers

Key points to understand

Errors & omissions
Defence costs
Retroactive date
Limit & deductible

Cyber Insurance

Cyber risk is not limited to large technology companies. A ransomware event, data breach or system compromise can disrupt operations and create response, recovery and liability costs.

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Who may need it?

SMEs & growing businesses
Businesses holding customer or employee data
Online and technology-enabled businesses
Professional & service firms

Key points to understand

Incident response
Data & privacy liability
Business interruption
Cyber extortion

Product Liability Insurance

Businesses that manufacture, import, distribute or sell products can face claims if a product allegedly causes injury or property damage. Product liability insurance is designed to address specified liability exposures.

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Who may need it?

Manufacturers
Importers & distributors
Wholesalers & retailers
Food, consumer and industrial product businesses

Key points to understand

Third-party bodily injury
Third-party property damage
Legal defence costs
Product-related allegations

Manufacturers Insurance

Manufacturing risks can involve buildings, machinery, raw materials, finished goods, employees, products and business interruption. A manufacturer needs to look at the operation as a connected risk rather than one policy in isolation.

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Who may need it?

Manufacturing companies
Factory owners & operators
SMEs with production facilities
Businesses with machinery and stock

Key points to understand

Property & fire
Machinery & equipment
Business interruption
Stock & raw materials

Contractors All Risk (CAR) Insurance

Construction projects combine physical works, equipment, third-party exposure, contractors and a defined project timeline.

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Who may need it?

Main contractors
Subcontractors
Developers
Project owners

Key points to understand

Material damage
Plant / equipment
Third-party liability
Testing & commissioning

Workmen's Compensation Insurance

Workmen’s compensation arrangements can provide specified benefits for covered work-related accidents, alongside wider workplace responsibilities and applicable Malaysian requirements.

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Who may need it?

Employers
Construction companies
Manufacturers
Service businesses

Key points to understand

Medical expenses
Disability
Death benefits
Employee data

Trade Credit Insurance

When you sell on credit, your receivables become a financial exposure. Trade credit insurance can help eligible businesses manage non-payment risk by approved buyers.

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Who may need it?

Manufacturers
Wholesalers & distributors
Exporters
Businesses with long credit terms

Key points to understand

Buyer non-payment
Credit limits
Political / country risk
Collections & recovery

Marine Insurance

Marine cargo insurance is designed around specified loss or damage to goods during transit. The right approach depends on cargo, route, transport mode, terms of sale and valuation.

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Who may need it?

Importers
Exporters
Manufacturers
Wholesalers & distributors

Key points to understand

Cargo type
Transit route & mode
Incoterms
Valuation

SME Property & Fire Insurance

For an SME, a fire or major property event can damage more than the building. Stock, equipment, contents and business continuity can all be financially important.

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Who may need it?

Retailers & shoplots
Manufacturers
Warehouses
Offices

Key points to understand

Building
Stock & contents
Machinery & equipment
Business interruption

Not sure where to start?

Use the Insurance Awareness questions to identify the risks worth reviewing before choosing a policy.