Public Liability Insurance Arranged by ACPG Management Sdn Bhd

acpg100Fb_m-public-liabilityLegal Liability Insurance Malaysia (Hotline +603-92863323)

Public Liability Insurance, Personal Liability Insurance,

Business Liability Insurance, Third Party Liability Insurance,

Product Liability Insurance, Professional Indemnity Insurance,

Building Management Liability Insurance, Liability Insurance,

Employer’s Liability Insurance, Errors & Omission Insurance,

Renovation Liability Insurance, Contractor Liability Insurance, Installation Liability Insurance, Signboard Liability Insurance, Roadside Banner Liability Insurance, Event Liability Insurance, Exhibition Liability Insurance, Concert Liability Insurance, Retail Premises Liability Insurance, Restaurant Premises Liability Insurance, Food Poisoning Liability Insurance

Arranged By

ACPG Management Sdn Bhd

www.acpgconsultant.com

+603-92863323, +6011-12239838

LIABILITY COVERAGE

Liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. This policy also indemnifies you against the expense of out-of-court settlements, litigation and judgments awarded by courts.

 

ACPG BZP28

PUBLIC LIABILITY INSURANCE POLICY

This policy indemnifies you against your legal liability to third parties in connection with your business, such as bodily injury and property damage to third parties property.

Public Liability Insurance Introduction

This insurance covers the legal liability of the Insured against bodily injury to third parties and loss of or damage to third parties property caused by the Insured’s negligence in connection with the business specified in the policy.

The coverage includes expenses of litigation recoverable by claimant against the Insured or incurred with the consent of the Company.

What are the Public Liability Insurance Policy covers/benefits provided?

This policy covers your legal liability to pay compensation in respect of:-

a) bodily injury to third parties

b) damage to property not belonging to or in the custody of the Insured

as a result of accident and happening in connection with your business.

In addition, this policy also cover litigation costs and expenses incurred with the written consent of the

Company.

 

ACPG BZP25

EMPLOYER’S LIABILITY INSURANCE POLICY

This insurance indemnifies you against legal liability at law to pay compensation and claimant’s costs and expenses in respect of harm sustained by your employees in the course of employment.

Employer’s Liability Insurance Introduction

Employers may purchase this insurance which indemnifies them against their legal liability at law to pay compensation and claimant’s costs and expenses in respect of bodily injury by accident or disease sustained by the insured employees in the course of employment with them.

The coverage also includes all costs and expenses incurred with the consent of the Company.

Employees to be covered include local employees who are not eligible for contribution to the SOCSO scheme.

1. What is Employer’s Liability Insurance Policy about?

This policy covers your legal liabilities to compensate your employees for injuries by accident or disease arising out of and in the course of employment.

2. What are the Employer’s Liability Insurance Policy covers/benefits provided?

a) This policy covers your liabilities under common law for injuries to your workmen by accident or disease arising out of and in the course of employment.

b) Claimant’s costs and expenses.

 

ACPG BZP30

PRODUCT LIABILITY INSURANCE POLICY

The policy indemnifies you against all sums which you are legally liable to pay as damages or compensation in respect of bodily injury and property damage arising out of claims made against you during the period of insurance as a result of an accident caused by anything harmful or defective in your product sold or supplied by you during the period of insurance.

Product Liability Insurance Introduction

This insurance is designed to cover the legal liability of the Insured against bodily injury and property damage to users of the insured products arising out of anything harmful or defective in the insured products (or the container thereof) which are sold or supplied by the Insured.

The coverage includes expenses of litigation recoverable by claimant against the Insured or incurred with the consent of the Company.

1. What is Product Liability Insurance Policy about?

The policy indemnifies you against all sums which you are legally liable to pay as damages or compensation in respect of bodily injury and property damage arising out of claims first made in writing against you during the period of insurance as a result of an accident caused by anything harmful or defective in your product sold or supplied by you during the period of insurance.

2. What are the Product Liability Insurance Policy covers/benefits provided?

We will pay all sums which you become legally liable to pay as damages or compensation in respect of:

(a) bodily injury;

(b) property damage

as a result of a claim first made in writing against you during the period of insurance within the Territorial Limits as a result of an occurrence in connection with your products specified in the policy schedule and we will pay all costs and expenses of litigation recovered by any claimant against you and/or incurred

with the written consent of the Insurer, subject to the Limit of Indemnity as specified in the policy schedule.

 

ACPG BZP31

PROFESSIONAL INDEMNITY INSURANCE POLICY

This insurance provides indemnity to professionals (e.g. engineers, lawyers, surveyors, etc.) for any claim made against them for breach of professional duty.

Professional Indemnity Insurance Introduction

This insurance provides indemnity to professionals (e.g. engineers, lawyers, surveyors, etc.) for any claim made against them for breach of professional duty arising from any act, error or omission committed in their conduct of their professional services.

1. What is Professional Indemnity Insurance policy about?

Professionals who provide professional services owe a duty of care to their clients / third parties and

must exercise due care and skill. If their clients suffer financial losses after relying on their professional

advice, clients have the right to sue for the loss.

This policy indemnifies you against the breach of professional duty, by reason of any negligent act, error

or omission performed by you in the conduct of your profession.

2. What are the Professional Indemnity Insurance policy covers/benefits provided?

This policy covers:-

a) Compensation / claims made against you

b) Costs and expenses incurred

up to the Limit of Indemnity specified in the policy schedule.

 

ACPG Management Sdn Bhd

Head Office

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

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

enquiry@acpgconsultant.com

+603-92863323, +6011-12239838

 

ACPG BZP28A

ACPG BZP29.jpg

ACPG BZP27.jpg

ACPG BZP24

ACPG BZP23.jpg

ACPG BZP26

Kindergarten and Nursery Professional Indemnity Insurance Malaysia arranged by ACPG Management Sdn Bhd

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Kindergarten Insurance  / Kindergarten and Nursery
Professional Indemnity Insurance
Arranged by
ACPG Management Sdn Bhd
http://www.acpgconsultant.com
+603-92863323
enquiry@acpgconsultant.com
http://www.facebook.com/acpg.management
http://www.walkinonline.com/store/ACPG.php
Kindergarten / Kindergarten cum Nursery
Professional Indemnity Insurance
RM 200,000.00 Coverage
Annual Premium RM 820.00
– Professional Indemnity
– Professional Liability
– Professional Legal Liability
– Management Liability
– Errors and Omissions (E&0)
Professional Indemnity Insurance
Scope of Cover:
Professional Indemnity Insurance protects the professional against legal liability to pay
damages to persons who have sustained financial loss arising from their own
professional negligence or that of their employees in the conduct of the business.
The policy offers indemnity strictly on legal liability basis. In addition to indemnifying the professional insured against his professional liability, a Professional Indemnity Insurance Policy indemnifies him for defense cost and expenses incurred in respect of claim to which the policy applies.
Kindergarten / Kindergarten cum Nursery
Professional Indemnity Insurance
– Professional Management Liability
– Professional Legal Liability
– Errors and Omissions Liability
RM 200,000.00 Coverage
Annual Premium RM 820.00
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Property Insurance, Malaysia Medical Insurance
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Property Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
http://www.acpgconsultant.com
http://www.facebook.com/acpg.management
http://www.walkinonline.com/store/ACPG.php

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Public Liability Insurance Kuala Lumpur Malaysia

Exhibition Liability Insurance FB Wall Post

Shopping Mall Installation Liability Insurance, Commercial Building Renovation Liability Insurance,
Renovation Liability Insurance, Installation Liability Insurance,
Construction Liability Insurance and Contractors Liability Insurance
Exclusive Arranged by
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323
enquiry@acpgconsultant.com
www.facebook.com/acpg.management
www.walkinonline.com/store/ACPG.php
Shopping Mall Liability Insurance, Commercial Building Liability Insurance, Renovation Liability Insurance, Installation Liability Insurance, Construction Liability Insurance and Contractors Liability Insurance
Installation & Dismantle Period, Project Period, Annual Cover Period
*Public Liability Insurance
*Legal Liability Insurance
*Third Party Liability Insurance
Type of Insurance Coverage
Contractor All Risk Insurance (CAR)
Erection All Risk Insurance (EAR)
Public Liability Insurance (PL)
Workmen’s Compensation Insurance (WC)
Foreign Worker Insurance (FWCS/FWIG/SKHPPA)
Machinery All Risk Insurance
Employer’s Liabiliy Insurance
Group Accident (PA) & Group Medical (H&S) Insurance

 

Public liability insurance

Public liability insurance protects your business against the cost of settling or defending a claim for bodily injury or property damage from a client or member of the public. It’s designed to cover you for all the slips, trips and falls that sometimes simply can’t be avoided in the workplace or in a professional capacity.
What many people don’t realise is that, as a business owner they can be liable for all sorts of accidents both on their business premises and away from them. For example, if you were to damage a client’s property in their office a claim could be brought against you. Likewise, if a member of the public or a client slipped on a wet floor at your business premises and injured themself, you could be held responsible
Public liability insurance explained
Public liability insurance is designed to protect you against claims made by the public that they have suffered an injury or loss as a result of your business.
Even if you don’t have visitors to your office or home, you could still suffer a public liability claim, for example if you accidentally damage a client’s property in their office. In this scenario, public liability insurance would pay out the cost of compensation to be paid to the individual, as well as the legal fees and expenses involved.
Anyone working for you could also trigger a public liability claim against your business if their actions at work injure a client or member of the public.
Do I need any other kinds of business insurance?
To help protect your business, ACPG can provide small businesses with public liability insurance as a standalone policy or it can be purchased together with our range of business insurance products including ACPG Employers’ Liability Insurance.
How much does ACPG public liability insurance cover me for?
How much you’re covered for in terms of compensation pay-out will depend on the level of cover you choose, and you’ll be covered for up to RM100,000 for any legal feels spent in defending a claim.
If you have employees, employers’ liability insurance is a legal requirement and can be bought as a package with our public liability insurance.
Do I need public liability insurance?
If your business premises are visited by clients, or if your employees regularly work off-site, it may be worth considering public liability cover.
If you work from home, you may assume you don’t need a policy, but this isn’t necessarily the case.
Say, for example, you decide to take a marketing stand at your industry’s big trade show to get some publicity for your firm.
But during the show a bit falls off and injures a passer-by; an embarrassing episode could turn into a costly one if that person decides to sue.
Also, if you visit clients’ premises or have access to their equipment, then it’s worth considering buying public liability cover, because if you inadvertently damage their property you may have to pay the cost of repairing or replacing it.
It could be something as simple as knocking your cappuccino over your client’s new MacBook or one of your employees tripping over in a client’s server room. He brings a stack of expensive computer equipment down as he falls, which might seem like a classic ‘You’ve Been Framed’ moment at the time, but the RM1250 you’d earn from the trip (pardon the pun) wouldn’t begin to cover the cost of a new server, when your client sends you the bill.
What does public liability insurance cover?
A public liability policy covers you and your employees against property damage when working in a client’s home, office or business property.
Under the Injury Cost Recovery Scheme, the NHS is now allowed to reclaim the cost of transporting and treating a patient, in cases where personal injury compensation is paid out. So if your business activities injure a third party, public liability insurance will protect you from the cost of a possible NHS claim.
How much does public liability insurance cost?
How much you pay for cover depends on the size and type of your business, and the level of risk it undertakes. Discuss this with your insurer before you buy your policy in order to assess what level of cover provided is right for your business .
You may find clients expect you to have a minimum level of cover, according to your area or industry. This is often the case for businesses working with the public sector where the minimum requirement is usually between RM 5-10 million.
Is public liability insurance a legal requirement?
Choosing not to purchase public liability insurance will not land you with a jail sentence or a hefty fine.
But having the right insurance can make your business look more professional and offer you peace of mind.
You don’t want to get into a spat with one of your best clients over the consequences of an accident or damage to one of their properties.
Getting a public liability policy means you can let your insurer deal with any problems, while you get on with running your business.

 

Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Property Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
www.acpgconsultant.com
www.facebook.com/acpg.management
www.walkinonline.com/store/ACPG.php
Shopping Mall installation liability insurance FB Wall Post

Malaysia Risk Management Insurance Solution Service Provider

Malaysia Largest Insurance Solution Service provider IVR3001

 

ACPG Management Sdn Bhd

Your Experience Insurance Risk Management and Solution Service Provider since year 1989 and Head Office Located at Kuala Lumpur Malaysia .

For more details of Malaysia Insurance package and risk management services www.acpgconsultant.com and contact our ACPG careline +603-92863323.

Click Here For Insurance Quote Enquiry Form Submission

 

ACPG Management Sdn Bhd

What We Can Do…..

One of the reasons we at ACPG Management Sdn Bhd, are one of the top Property and Casualty Insurance Agency in the Kuala Lumpur Malaysia market, is due to the quality and variety of insurance solution and consultancy services we provide. Be it automotive insurance, fire insurance, all others type classes of life and general insurance, consequential loss insurance, insurance of precious possessions or what have you, you can rest assured that we provide nothing less than what are stated below, which makes us an insurance agency that is truly “Almost with No Comparison”, and we do not make such claims lightly.

With 27 years since year 1989 in the insurance Malaysia market we can

Give our Expert Opinion On Your Risks.

How To Handle The Risks.

Provide The Best Insurance Solutions.

Provide Competitive Premium.

Handle Insurance Claims With Comprehensive Homework.

Work Closely with Insurance Adjusters, Insurer Claim Officers and Policy Holders.

Assisted Claims

By its very nature, a claim is made at a difficult and stressful time. You may need to make a claim because you have been burgled, there has been a fire or flood or worse and your business may be forced to stop operating. In such a situation, you need a settlement and fast.

Most insurance companies are well aware of this and if you are making a claim directly to an insurance company or through an unqualified agent and without any professional help, you may find the small print in your policy is not what you expected or the settlement amount is not enough.

When you have to make a claim, the insurance company will send out a loss adjustor to assess the damage. It is important to understand that the loss adjustor works for the Insurance company and not you so they will put the interests of the insurance company first.

If you are one of our clients, we will represent your interests when the loss adjustor visits the scene and in any discussions or negotiations to ensure you get the best possible settlement.

If you would like to meet for an informal consultation about your insurance needs and how we can place your coverage at exceptional rates, please do not hesitate to contact us.

Risk Management

Risk is when there’s an uncertainty about whether an event will or will not occur. Thus, risk management is the process of identifying exposures to risk, choosing the best method for handling each exposure and implementing it.

Insurance refers to a contract that reduces risk of loss and requires one party to pay a specified sum to another if a previously identified event occurs. Thus, insurance planning is the process of handling and safeguarding against future risk of loss and ensuring sufficient compensation is provided.

Risk Management Technique

When it comes to risk management, there are 4 basic methods :

Risk Avoidance

To avoid engaging in an activity or owning property that might lead to an exposure of risk.

Risk Assumption

To recognize risk and accept it as part of its activities.

Risk Transfer

To transfer risk to another party.

Risk Reduction

To take steps to reduce the uncertainty of loss.

 

 

Malaysia General Insurance Services
Arranged by
ACPG MANAGEMENT SDN BHD
Your Experienced and Trusted
Malaysia Risk Management Insurance Solution Service Provider since year 1989.
ACPG careline : +603-9286 3323,
enquiry@acpgconsultant.com,
www.acpgconsultant.com

Facebook Business page  www.facebook.com/acpg.management