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Generating Growth in an Evolving Environment 

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Generating Growth in an Evolving Environment 

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M: Shasi Gangadharan

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In general, what is the premium differential between a CAR cover with a LEG 3/ DE 5 cover and a CAR cover with a LEG 2 / DE 3 cover?

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In general, what is the premium differential between a CAR cover with a LEG 3/ DE 5 cover and a CAR cover with a LEG 2 / DE 3 cover?

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Do Project Owner require a PI insurance during FEED phase? The phase only involves basic engineering design, and is only a precursor to detailed engineering design. Shouldn't the PI only be purchased during the detailed engineering design phase?

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Do Project Owner require a PI insurance during FEED phase? The phase only involves basic engineering design, and is only a precursor to detailed engineering design. Shouldn't the PI only be purchased during the detailed engineering design phase?

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Typically a contractor cannot buy a PI policy be it annual or project. Because they don't do any design work. Is that true? Or can a normal contractor buy such cover?

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Typically a contractor cannot buy a PI policy be it annual or project. Because they don't do any design work. Is that true? Or can a normal contractor buy such cover?

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Can the right to subrogate against professionals under a Owner Controlled Project PI be waived?

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Can the right to subrogate against professionals under a Owner Controlled Project PI be waived?

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There's a debate on whether the Damage To Existing Property cover under Project insurance falls under Section 1 (CAR) or Section 2 (TPL). What's your opinion?

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There's a debate on whether the Damage To Existing Property cover under Project insurance falls under Section 1 (CAR) or Section 2 (TPL). What's your opinion?

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Niloy Majmudar

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With the current market practise on the 95/5 premium split, can the insurers confirm that they still can advanced the Defence Cost if in the event the Directors is sued under S213 given that the Director contribute a nominal value in the policy?

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Recent changes in the companies act in Malaysia  - How it would impact the D & O Policy

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Recent changes in the companies act in Malaysia  - How it would impact the D & O Policy

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Steven Dewhurst

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How long a Waiting Period should be under a Cyber Liability policy?

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How long a Waiting Period should be under a Cyber Liability policy?

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Thanks.

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Does cyber insurance pay the client if the ransom was stolen? Thanks.

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Does cyber insurance pay the client if the ransom was stolen? Thanks.

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Who are the cyber forensic experts  in APAC? Thanks.

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Who are the cyber forensic experts  in APAC? Thanks.

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▪introduce explanatory sessions, and provide customer scenarios and generic examples of policy coverage.
▪ Clarify the policy language, and avoid using generic terminology that can be interpreted in multiple ways
▪Offer a transparent underwriting process, detailing the criteria and criticality that drives pricing

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Comment : Insurers need to be more transparent / clearer in the policy wording, which are now so ambiguous and full of exclusions. We hear a lot about losses due to cyber risks, but we rarely hear about how much of those claims are actually paid by insurers.

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Comment : Insurers need to be more transparent / clearer in the policy wording, which are now so ambiguous and full of exclusions. We hear a lot about losses due to cyber risks, but we rarely hear about how much of those claims are actually paid by insurers.

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The on-going cyber attack would likely to be a good selling point on cyber insurance, is there a way to gauge the potential loss in accumulation? Thanks.

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The on-going cyber attack would likely to be a good selling point on cyber insurance, is there a way to gauge the potential loss in accumulation? Thanks.

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Most 'ransoms' requested by ransomwares would seem to fall below the deductible of cyber risk insurance policies. Would you agree? What is the lowest deductible you've seen in a cyber risks insurance policy?

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Most 'ransoms' requested by ransomwares would seem to fall below the deductible of cyber risk insurance policies. Would you agree? What is the lowest deductible you've seen in a cyber risks insurance policy?

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Shan Sagoo

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Does a Medical Malpractice insurance typically cover injury / death of a patient caused by a malfunctioning medical equipment arising from sabotaging acts by staff / 3rd party?

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Does a Medical Malpractice insurance typically cover injury / death of a patient caused by a malfunctioning medical equipment arising from sabotaging acts by staff / 3rd party?

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Who should take the lead in the event the medical litigation involves both the hospital and an independent specialist?

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In most liability policies, admission of liability by insured to 3rd party would give grounds for insurer to repudiate the claim. Is this also applicable to Medical Malpractice Insurance? If the liability is clear, and the insured i.e. hospital is clearly at fault, wouldn't early admission of liability reduces patient's emotional suffering and quicken treatment process, thus lower claim amount?

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In most liability policies, admission of liability by insured to 3rd party would give grounds for insurer to repudiate the claim. Is this also applicable to Medical Malpractice Insurance? If the liability is clear, and the insured i.e. hospital is clearly at fault, wouldn't early admission of liability reduces patient's emotional suffering and quicken treatment process, thus lower claim amount?

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Does a Medical Malpractice Insurance cover out of court settlements i.e. the cost and the settlements itself?

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Does a Medical Malpractice Insurance cover out of court settlements i.e. the cost and the settlements itself?

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Medical malpractice in Sharia Law,  worse or better? Thanks.

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Medical malpractice in Sharia Law,  worse or better? Thanks.

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Based on your experience, what is the highest limit and the lowest deductible you've seen in a Medical Malpractice Insurance?

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Based on your experience, what is the highest limit and the lowest deductible you've seen in a Medical Malpractice Insurance?

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Does a standard Medical Malpractice Insurance policy covers medical students / locum doctors who are not necessarily considered as employees of the hospital?

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Does a standard Medical Malpractice Insurance policy covers medical students / locum doctors who are not necessarily considered as employees of the hospital?

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Why the Med Mal policies for hospitals normally exclude doctors? Won't it be a good idea to 'combine' the risks in one policy?

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Why the Med Mal policies for hospitals normally exclude doctors? Won't it be a good idea to 'combine' the risks in one policy?

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Nowadays, we see a couple of hospitals in Malaysia outsourcing their ambulance services (vehicle + manpower + equipment) to third parties, but with the hospitals' logo / name on the ambulances. Based on your experience, have you seen such practice elsewhere in the World? Would a standard Medical Malpractice Insurance be extended to cover the said ambulances?

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Nowadays, we see a couple of hospitals in Malaysia outsourcing their ambulance services (vehicle + manpower + equipment) to third parties, but with the hospitals' logo / name on the ambulances. Based on your experience, have you seen such practice elsewhere in the World? Would a standard Medical Malpractice Insurance be extended to cover the said ambulances?

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Medical Malpractice Insurance Developments - Liability and Coverage Perspective

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Medical Malpractice Insurance Developments - Liability and Coverage Perspective

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Tony Bainbridge

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With so many P&I clubs in the market, offering similar if not exactly the same covers, based on your experience, what are the main factors to be considered by vessel owners in selecting the right P&i club to join, apart from pricing?

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With so many P&I clubs in the market, offering similar if not exactly the same covers, based on your experience, what are the main factors to be considered by vessel owners in selecting the right P&i club to join, apart from pricing?

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In the event of a ship accidentally going aground and require removal, would the cost of such removal be covered under the H&M or the P&I / Marine Liability Insurance or both? Is this a standard cover, or a buyback?

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What if the Marine hull insurer does not agree to pay the 3/4th portion of the claim maybe due to some breach of condition or exclusion would the P&I 1/4th still pay

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What if the Marine hull insurer does not agree to pay the 3/4th portion of the claim maybe due to some breach of condition or exclusion would the P&I 1/4th still pay

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What are the main differences between a P&I cover and an off the shelf Marine Liability Insurance? Is there a need to have both policies in place? Are there overlapping covers that would make the policies redundant?

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Can you confirm that Financial Services Act in Malaysia in no way has repealed the Marine Insurance Act even by implied? If so Insurance Brokers are still liable for the Marine Insurance premiums to insurers and reinsurer if the insured defaults in paying the oremiums

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Can you confirm that Financial Services Act in Malaysia in no way has repealed the Marine Insurance Act even by implied? If so Insurance Brokers are still liable for the Marine Insurance premiums to insurers and reinsurer if the insured defaults in paying the oremiums

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Has there been any cases of detainments of princess reported? What about a Prince? ☺

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Has there been any cases of detainments of princess reported? What about a Prince? ☺

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Overview of the South East Asia Marine Liability Market

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Overview of the South East Asia Marine Liability Market

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James P. David

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We as a liability market are not nimble...yet. we need more youth to change the momentum. Talent is a challenge.

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We as a liability market are not nimble...yet. we need more youth to change the momentum. Talent is a challenge.

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Freight forwarders normally would use industry wide type of contracts which limits their liability. Does it limit their exposure under common law bailee obligations? 

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Freight forwarders normally would use industry wide type of contracts which limits their liability. Does it limit their exposure under common law bailee obligations? 

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Are FIPI underwriters expanding the coverage to include full cyber liability coverage automatically in their policies for financial institutions? Will a current type of policy cover a bank against wannacry ransomware?

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Are FIPI underwriters expanding the coverage to include full cyber liability coverage automatically in their policies for financial institutions? Will a current type of policy cover a bank against wannacry ransomware?

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Net retention among local insurers for casualty and financial lines is still very low say 5% to 10% but if they increase their retention this would threaten liability reinsurer bottom line

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Net retention among local insurers for casualty and financial lines is still very low say 5% to 10% but if they increase their retention this would threaten liability reinsurer bottom line

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There is too much capacity in the market which is good news for insureds. But competition has brought nothing but cheaper premiums but not necessary a better product but the same product at a cheaper price. Competition has.not brought about enough creativity among insurers?

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There is too much capacity in the market which is good news for insureds. But competition has brought nothing but cheaper premiums but not necessary a better product but the same product at a cheaper price. Competition has.not brought about enough creativity among insurers?

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As technology will surely challenge intermediaries to become less relevant surely underwriters will suffer the same fate and become less relevant to? Would this be true with casualty and financial lines underwriters?

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As technology will surely challenge intermediaries to become less relevant surely underwriters will suffer the same fate and become less relevant to? Would this be true with casualty and financial lines underwriters?

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Should malaysian insurance companies group together to form a reinsurance company to combat external threat?

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Should malaysian insurance companies group together to form a reinsurance company to combat external threat?

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We are seeing a soft market and an increasing claims trend. This spells bad news. Are reinsurers reacting to this

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We are seeing a soft market and an increasing claims trend. This spells bad news. Are reinsurers reacting to this

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Is the Reinsurance soft market good for the industry? Are local underwriters' adequately trained in pricing devm.?

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Is the Reinsurance soft market good for the industry? Are local underwriters' adequately trained in pricing devm.?

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Overview of the South East Asia Liability Market from a Financial Lines & Casualty Persp

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Overview of the South East Asia Liability Market from a Financial Lines & Casualty Persp

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Anton Ramachandran & Noel Tan