Professional Indemnity(专业弥偿) Insurans Indemniti Profesional
Introduction
A person or an organization who specializes in particular skills and professes to exercise those skills in the affairs of others is bound to exercise the care and skill of ordinary competent practitioners in that profession. Failure to do so may result in liability claim or lawsuit alleging breach of professional duty. Professional Indemnity policy (PI) provides indemnity against such potential professional liability exposure. Our Principal Insurer offers PI to a wide range of professions such as lawyers, accountants, architects, engineers, surveyors, general medical practitioners, opticians, estate agents and etc.
As liability is intangible in nature, a professional proposer would have to choose the limit of indemnity (sum insured) as he deems appropriate and necessary.
Continues cover if continuously insured with principal insurer
Regional or global programs
High coverage limits
Market Specialization
Architects, landscape architects and interior designers
Public accountants and company secretaries
Engineers
Property managers
Print and broadcast media
Advertising agents
Consultants
Others
Designers
Spa operators
Travel agents
Lawyers
Miscellaneous professions
The Elite Professional Indemnity Insurance Policy provides comprehensive protection for professionals against a wide range of civil liabilities they face in the conduct of their business. Coverage salient features (inbuilt) are listed below for your ease of comparison to the general market negligence based wording:
COVERAGE FEATURES
· Broad Insuring clause covers any Claim for civil liability in the conduct of the Business · Cover is on "pay on behalf" rather than indemnity · Covers vicariously liability for consultants, contractors, subcontractors & agents · Covers defamation · Covers intellectual property infringement · Covers liability arising from participation in joint ventures · Covers loss of documents · Automatically covers newly acquired or created subsidiaries for 30 days · Covers run-off for Insured firms that have been merged, acquired or ceased · Continuous cover if continuously insured with our representation insurer. · Legal representation at inquiries · Covers claims brought by related persons & entities if the claim originates from an independent third party claimant · 60 days notification period after termination of policy · Covers defense of claims for non-monetary relief · Covers volunteers
· Optional cover for Fraud & Dishonesty of Principals & Employees, until admission, judgment or adjudication · Optional cover for Principals’ previous businesses in the same profession (fully retroactive)
Principal Exclusions Dishonesty, fraud * Libel or Slander* Loss of or damage to property (including document) in the Insured's Care, Custody or Control* Contractual or assumed liability Fines, Penalties,Exemplary or Punitive Damages, Infringement of Intellectual property rights* Claim by or against parent company, subsidiary or associated company Directors' & Officers' liability Asbestos liability, Urea Formaldehyde, AIDS Pollution liability Radiation or nuclear Terrorism or War (The above are the common principal exclusions of a PI policy. Please refer to PI Policy for the profession concerned for a complete list of and details of all exclusions.) Extensions (optional and with additional premium) Dishonesty of Employees* Libel & Slander* Loss of Documents*
Documents Required For Applying A PI Policy
For both new and renewal risks and all requests for quotation must be by way of submitting the following documents to the Liability Unit at Head Office:
Duly completed, signed and dated PI Proposal Form (There are different PI Proposal Forms for different professions)
Any other document as required and stated in the Proposal Form Details (date, nature, amount and status of loss) of previous claims/losses (if any)
Decline Risks (1st Principal)
Top biggest 8 Legal firms, top biggest 5 Accountants, Architects or Engineering consultants
Financial institutions, Financial advisers or planners, Risk management consultants
Debt collection agencies, Receivers, Liquidators
Contractors, Design & built engineering firm (turnkey contractors)
Valuers
Security guards
Polisi Insuran Elite Indemniti Profesional
Polisi Insuran Elite Indemniti Profesional menyediakan perlindungan komprehensif untuk profesional terhadap pelbagai liabiliti sivil yang mereka hadapi dalam menjalankan perniagaan mereka.
Perlindungan Ciri-ciri penting ( terbina ) disenaraikan di bawah untuk memudahkan anda berbanding dengan syarat berasaskan kecuaian pasaran umum :
CIRI-CIRI PERLINDUNGAN
· Fasal luas menginsuranskan merangkumi mana-mana Tuntutan liabiliti sivil dalam menjalankan Perniagaan · Cover adalah mengenai " pay on behalf " dan bukannya tanggung rugi · Melindungi liabiliti vikarius untuk perunding ,kontraktor , subkontraktor & agen · Melindungi fitnah · Melindungi pelanggaran harta intelek · Melindungi liabiliti yang timbul daripada penyertaan dalam usaha sama · Melindungi kehilangan dokumen · Secara automatik meliputi anak-anak syarikat yang baru diambil alih atau dicipta untuk 30 hari · Melindungi larian bagi firma-firma Diinsuranskan yang telah digabungkan , diperoleh atau terhenti · Berterusan perlindungan jika terus diinsuranskan dengan syarikat insurans perwakilan kami. · Undang-undang di perwakilan pertanyaan · Melindungi tuntutan yang dibawa oleh orang-orang yang berkaitan & entiti jika tuntutan itu berasal dari pihak yang menuntut pihak ketiga yang bebas · 60 hari tempoh pemberitahuan selepas penamatan polisi · Melindungi mempertahankan tuntutan untuk melegakan bukan kewangan · Melindungi sukarelawan · Perlindungan pilihan untuk Penipuan & Ketidakjujuran Pengetua & Pekerja , sehingga kemasukan, penghakiman atau penghakiman · Penutup Pilihan untuk perniagaan sebelumnya Pengetua ' dalam profesion yang sama (retroaktif sepenuhnya)
Pengecualian utama Kecurangan , penipuan * Fitnah atau Fitnah * Kehilangan atau kerosakan kepada harta (termasuk dokumen) dalam Penjagaan pihak Diinsurankan, Jagaan atau Kawalan *Liabiliti kontrak atau diambil alih Denda, Penalti , Gantirugi Teladan atau Punitif, Pelanggaran hak harta intelek * Tuntutan oleh atau terhadap syarikat induk , anak syarikat atau syarikat bersekutu Pengarah & Pegawai liabiliti Liabiliti asbestos, Urea Formaldehyde , AIDS
Liabiliti pencemaran Sinaran atau nuklear Keganasan atau Perang ( Di atas adalah pengecualian utama biasa polisi PI. Sila rujuk kepada Polisi PI profesion yang berkenaan untuk senarai lengkap dan butir-butir semua pengecualian. ) Sambungan (pilihan dan dengan premium tambahan) Ketidakjujuran Pekerja * Fitnah & Fitnah * Kehilangan Dokumen *
Dokumen Diperlukan Untuk Memohon Polisi PI Bagi kedua-dua risiko baru dan pembaharuan dan semua permintaan untuk sebut harga mestilah dengan cara mengemukakan dokumen-dokumen berikut kepada Unit Liabiliti di Ibu pejabat: Yang lengkap , ditandatangani dan bertarikh Borang Cadangan PI ( Terdapat berbeza Borang Cadangan PI untuk profesion yang berbeza ) Apa-apa dokumen lain sebagaimana yang dikehendaki dan dinyatakan dalam Cadangan Borang Butiran (tarikh , jenis, jumlah dan status kerugian) tuntutan / kerugian sebelumnya (jika ada)
Risiko Ditolak ( Prinsipal Utama )
Atas 8 terbesar firma undang-undang, atas 5 firma terbesar Akauntan , Arkitek atau Perunding Kejuruteraan
Institusi Kewangan, Penasihat Kewangan atau Perancang , Perunding Pengurusan Risiko, Agensi-agensi kutipan hutang , Penerima , Penyelesai, Kontraktor, Design & firma kejuruteraan yang dibina (kontraktor turnkey )
This form is intended for publishers, printers, broadcasters, advertising agents, market researchers, graphic designers, public relations, marketing, corporate identity and image consultants and other media industry professionals.
這種形式是為出版商，印刷，廣播，廣告代理，市場研究人員，平面設計師，公共關係，市場營銷，企業形象和形象顧問和其他媒體行業的專業人士。
(Borang ini bertujuan untuk penerbit, pencetak, penyiar, agen pengiklanan, pasaranpenyelidik, pereka grafik, public relations, pemasaran, identiti syarikat dan perunding citra dan media profesional di bidang industri.)
Proposal Form for Construction Professional such as Architects, Quantity Surveyors, Consultant Engineers.
保險投保書，如建築專業建築師，工料測量師，顧問工程師。
Borang Cadangan Insurance Professional Indemniti bagi Pembinaan Profesional seperti Arkitek, Quantity Surveyor, Jurutera Konsultan untuk suatu sebutharga yang berpatutan dan lumayan.
This Booklet serves as a guide to the medical practitioners to meet the standard of care and professionalism set out by the Malaysian Medical Council. It contains the moral and professional obligations expected of the medical practitioners of this country.
It also serves to enhance public awareness of such standards expected from the doctor who treats them. Such awareness will hopefully encourage greater adherence by the doctors to these guidelines.
I therefore, urge all medical practitioners to adhere to these guidelines outlined in this booklet, at all times. Useful contributions from the medical fraternity may be incorporated in future revision of these guidelines.
Tan Sri Dato' Dr. Abu Bakar bin Suleiman
President
Malaysian Medical Council.
January, 2001
Nov 11, 2010, 12:00 AM
Simon Poon
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Duties of a Doctor - Good Medical Practice [ Good Medical Practice | Confidentiality ] View
FOREWORDThis Booklet serves as a guide to the medical practitioners to meet the standard of care professionalism set out by the Malaysian Medical Council. It contains the moral and professional obligations expected of the medical practitioners of this country.Tan Sri Dato' Dr. Abu Bakar bin SuleimanPresidentMalaysian Medical Council,January, 2001
Fitnah merupakan komunikasi kepada satu orang atau lebih yang bertujuan untuk memberikan stigma negatif atas suatu peristiwa yang dilakukan oleh pihak lain berdasarkan atas fakta palsu yang dapat mempengaruhi penghormatan, wibawa, atau reputasi seseorang. Kata "fitnah" diserap dari bahasa Arab, dan pengertian aslinya adalah "cobaan" atau "ujian".
This page was updated on December 12, 2013, and is not continuously updated and monitored and may be out of date by the time you read it. This guide does not constitute legal advice, which is given only in the context of an attorney/client relationship after giving specific consideration to the unique facts of the matter, including the specific policy language. Note that policy language differs and may require different or additional steps. The steps in other jurisdictions may not be the same. For specific advice, consult with an attorney (lawyer) licensed to practice in your jurisdiction.
Dec 7, 2013, 10:38 PM
Simon Poon
Lawsuit & Verdict
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Court awards RM870,000 to couple and son over medical negligence View
MUAR: The High Court here awarded a couple and their 10-year-old son a total of RM870,000 due to medical negligence by two hospitals and the Government during the child’s birth.The couple Zainab Sam, 45, husband ex-army Sjn Rosli Mohd Amin, 53, and son Ahmad Alif Iqmal Rosli were present when Judicial Commissioner Datuk Ummi Kalthum Abdul Majid passed the decision on Friday.
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Act 286 DEFAMATION ACT 1957 Incorporating all amendments up to 1 January 2006 PUBLISHED BY THE COMMISSIONER OF LAW REVISION, MALAYSIA UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968 IN COLLABORATION WITH PERCETAKAN NASIONAL MALAYSIA BHD 2006
Incorporating all amendments up to 1 May 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
(Repealed by The Communications and Multimedia
Act 1998 [Act 588])
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH PERCETAKAN NASIONAL MALAYSIA BHD 2006
Incorporating all amendments up to 1 October 2008
published by
the CommissioneR of law Revision, malaysia
undeR the authoRity of the Revision of laws aCt 1968
2008
Feb 3, 2014, 5:39 AM
Simon Poon
ċ
Act 617 INTELLECTUAL PROPERTY CORPORATION OF MALAYSIA ACT 2002 View
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH PERCETAKAN NASIONAL MALAYSIA BHD 2006
Mengandungi segala pindaan hingga 1 Januari 2006
DITERBITKAN OLEH
PESURUHJAYA PENYEMAK UNDANG-UNDANG, MALAYSIA
DI BAWAH KUASA AKTA PENYEMAKAN UNDANG-UNDANG 1968
SECARA USAHA SAMA DENGAN PERCETAKAN NASIONAL MALAYSIA BHD 2006
Mengandungi segala pindaan hingga 1 Januari 2006
DITERBITKAN OLEH
PESURUHJAYA PENYEMAK UNDANG-UNDANG, MALAYSIA
DI BAWAH KUASA AKTA PENYEMAKAN UNDANG-UNDANG 1968
SECARA USAHA SAMA DENGAN
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Act 175
TRADE MARKS ACT 1976
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Act 262
TRADE UNIONS ACT 1959
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Aug 22, 2010, 2:22 AM
Simon Poon
Malaysian Professional Association & Body
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Malaysian Professional Indemnity News (马来西亚专业弥偿新闻)
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PROFESSIONAL INDEMNITY INSURANCE PUBLIC RULING NO. 3/2009 (TAX TREATMENT ON PREMIUM) View
DIRECTOR GENERAL'S PUBLIC RULING
A Public Ruling as provided for under section 138A of the Income Tax Act 1967 is
issued for the purpose of providing guidance for the public and officers of the Inland
Revenue Board Malaysia. It sets out the interpretation of the Director General of
Inland Revenue in respect of the particular tax law, and the policy and procedure that
are to be applied.
A Public Ruling may be withdrawn, either wholly or in part, by notice of withdrawal or
by publication of a new ruling which is inconsistent with it.
Director General of Inland Revenue,
Inland Revenue Board Malaysia.
Feb 3, 2014, 5:20 AM
Simon Poon
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Zurich Insurance Malaysia offers Professional Indemnity Insurance Scheme for General Dental Practitioners View
Zurich Insurance Malaysia is the first insurer to offer such a scheme for general dental
practitioners in Malaysia. The insurance scheme which was also the first to be locally
underwritten in collaboration with Medical Risk and Claims Management Services was
created comprehensively, taking into account the current trends and responsibilities of
dental practitioners as well as the latest legal developments.
Dec 7, 2013, 3:46 PM
Simon Poon
Professional Governing Law and Act
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act 117 - ARCHITECTS ACT 1967 Incorporating all amendments up to 1 January 2006 View
Incorporating all amendments up to 1 January 2006PUBLISHED BYTHE COMMISSIONER OF LAW REVISION, MALAYSIAUNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968IN COLLABORATION WITHPERCETAKAN NASIONAL MALAYSIA BHD2006
Dec 3, 2013, 10:13 AM
Simon Poon
ċ
Act 117 ARCHITECTS ACT 1967 Incorporating all amendments up to 1 January 2006 View
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Act 166
LEGAL PROFESSION ACT 1976
Incorporating all amendments up to 1 January 2006
May 7, 2010, 11:23 AM
Simon Poon
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Act 168 LEGAL PROFESSION ACT 1976-Bahasa Malaysia View
Akta 166 - Part III
AKTA PROFESION UNDANG-UNDANG 1976
May 7, 2010, 12:33 PM
Simon Poon
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Act 482 TOURISM INDUSTRY ACT 1992 Incorporating all amendments up to 1 January 2006 View
Act 482
TOURISM INDUSTRY ACT 1992
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
May 7, 2010, 9:12 PM
Simon Poon
ċ
Act 50 MEDICAL ACT 1971 Incorporating all amendments up to 1 January 2006 View
Act 50
MEDICAL ACT 1971
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH MALAYAN LAW JOURNAL SDN BHD AND
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Nov 24, 2009, 10:37 PM
Simon Poon
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Act 51 DENTAL ACT 1971 Incorporating all amendments up to 1 Janauary 2006 View
Act 51
DENTAL ACT 1971
Incorporating all amendments up to 1 Janauary 2006
Nov 24, 2009, 10:38 PM
Simon Poon
ċ
Act 663 BUILDING AND COMMON PROPERTY (MAINTENANCE AND MANAGEMENT) ACT 2007 View
Act 663
BUILDING AND COMMON PROPERTY
(MAINTENANCE AND MANAGEMENT) ACT 2007
Application / Proposal & Quot Request (申请/建议及索取报价) 