Construction Insurance Malaysia

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Construction Insurance Arranged By ACPG Management Sdn Bhd (ACPG)

A proven leader in the construction industry, ACPG Principal Insurer delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:

  • Residential and Commercial Projects
  • Civil Engineering Projects such as pipelines, dams, roads and rail
  • Power and Energy Projects of all sizes
  • Petrochemical and Industrial plants

Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.

Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.


By working with ACPG Principal Insurer Construction Industry Practice, you will benefit from our strengths which encompass:

  • Local knowledge backed by global capability
  • Comprehensive suite of services
  • Experienced underwriting team
  • Dedicated Construction Risk Engineers
  • Superior Claims Handling and Administration
  • Consultative approach to loss prevention and mitigation
  • Tailor-made programs backed by client-centric service
  • Broad coverage
  • Long-term focus on client relationships


ACPG Principal Insurer Construction Industry Practice offers a range of products and services including:

  • Contract Works
  • Delay in Start Up
  • General Liability
  • Umbrella/Excess Casualty Covers
  • Project Professional Liability
  • Environmental Pollution Liability
  • Contract Surety
  • Construction Risk Management Services
  • Marine Cargo including DSU
  • Directors & Officers Liability
  • Terrorism


Construction All Risks – Civil Engineering

This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.


  • We have a strong track record of leading the insurance of large and complicated project contracts
  • We are recognised technical expertise in the sector
  • We seek to develop long-term relationships with clients


Our standard cover includes:

  • Consequences of design
  • Extended maintenance
  • Natural catastrophes
  • Property damage only
  • Primary third party liability

Cover can be extended to include:

  • Delay in start up
  • Full design

Erection all Risks

ACPG Principal Insurer Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery. It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.

Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.


  • Experience in writing many types of risks from standard installation contracts to large scale power and energy plants
  • A strong track record of leading the insurance of large and complex project contracts
  • The capacity to cover contracts in many overseas territories
  • Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses


  • Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.
  • It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.
  • Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.
  • An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.
  • Available on contracts overseas subject to some territorial and environmental peril limitations.
  • The standard insurance offers cover for defective design under the LEG 2/96 wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.

Foreign Workers Insurance

Employees are a company’s greatest asset therefore it is essential for an employer to get their employees protected.

Being one of the approved panel insurance companies to provide foreign workers insurance, ACE Jerneh has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.

Foreign Workers Compensation Scheme (FWCS)

As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).

ACPG Principal Insurer  is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.


Foreign workers who are under the employment of the insured company will enjoy coverage that include

  • Death and disability due to an accident
  • Disease arising out of and in the course of employment
  • Medical expenses
  • Repatriation expenses

Foreign Workers Hospitalization & Surgical Scheme (FWHS)

Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.

ACPG Principal Insurer is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.


Under the insurance policy, foreign workers will enjoy benefits that include

  • Daily hospital and room board of up to a maximum of 30 days
  • Intensive care unit (ICU) of up to a maximum of 15 days
  • Operating theatre fees
  • Surgical fees
  • Anaesthetist fees
  • In-hospital physician visits of up to a maximum of 30 days
  • In-hospital specialist consultation visits of up to a maximum of 30 days
  • Ambulance fees
  • Medical report fees

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) under Regulation 21 of the Immigration Regulations.

This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia. The circumstances could arise from:-

  • Breach of Immigration Act
  • Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.
  • Employer goes into liquidation and is unable to provide the return passage for the foreign worker

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable.

The information provided here is a brief summary for quick and easy reference.

The exact terms and conditions that apply are stated in the policy contract.

Your Trusted Construction Insurance Risk Management Advisory Company since Year 1989.

ACPG Management Sdn Bhd

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.


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