Public liability, employer liability, professional indemnity, business interruption, fire-perils, machinery breakdown, cyber liability, and the foreign-worker compensation that PERKESO doesn't cover — we write the SME stack through Zurich Malaysia. 公共责任、雇主责任、专业疏忽、营业中断、火险、机损、网络责任，以及 PERKESO 不覆盖的外籍员工补偿 — 通过 Zurich 马来西亚做整套中小企组合。 Liabiliti awam, liabiliti majikan, indemniti profesional, gangguan perniagaan, kebakaran-risiko khas, kerosakan jentera, liabiliti siber, dan pampasan pekerja asing yang tidak dilindungi PERKESO — kami tulis keseluruhan susunan PKS melalui Zurich Malaysia.
The standard SME stack we recommend after a 30-minute risk audit. Mandatory items first (Workmen's Comp + Employer Liability); the rest follows revenue exposure.30 分钟风险盘点后我们推荐的标准组合。强制项目（员工赔偿 + 雇主责任）打头，其余按营收敞口。Susunan PKS standard yang kami syorkan selepas audit risiko 30 minit. Item mandatori dahulu (Pampasan Pekerja + Liabiliti Majikan); selebihnya mengikut pendedahan hasil.
For foreign workers, mandatory under Workmen's Compensation Act 1952. Local staff are PERKESO/SOCSO-covered.外籍员工强制（1952 员工赔偿法令）；本地员工由 PERKESO/SOCSO 覆盖。Pekerja asing — WCA 1952. Tempatan = SOCSO.
Bridges what WCA/SOCSO don't pay. Defends and indemnifies if an employee sues for negligence.补 WCA/SOCSO 未赔的差额。员工以过失起诉时抗辩并赔偿。Tampung jurang. Saman cuai = polisi ini.
Third-party injury / property damage. Standard limit RM 1M; AEON / IOI Mall require RM 5M; government tenders RM 10M.第三方人身或财产损害。标准 RM 100 万；AEON / IOI 要 RM 500 万；政府投标 RM 1,000 万。Pihak ketiga. AEON: RM 5J. Kerajaan: RM 10J.
Consultants, architects, accountants, IT system integrators, lawyers — economic loss to a client from your advice or service.顾问、建筑师、会计师、IT 集成商、律师 — 客户因专业建议或服务遭受的经济损失。Perunding, arkitek, akauntan.
Building + stock + plant. FELO add-on critical in Johor flood belt. Reinstatement-value sum-insured preferred.建筑 + 库存 + 设备。柔佛水患带 FELO 必备，按重置价投保为佳。FELO untuk Johor.
Pays continued payroll, rent, and lost gross profit when fire / flood / power outage closes you. 12–24 month indemnity typical.火 / 水 / 停电导致停业时赔工资、租金、毛利损失。一般 12–24 个月赔付期。Bayar gaji, sewa, untung kasar hilang.
Manufacturing, F&B, cold-chain. Covers sudden & accidental electrical / mechanical breakdown not caused by an external peril.制造、餐饮、冷链常用。承保非外部原因的突发电气 / 机械损坏。Pengilangan, F&B, rantai sejuk.
Data breach response, PDPA Commissioner defence, ransomware BI, third-party data-subject claims. Critical after the 2024 PDPA reform.数据泄露应对、PDPA 主管申辩、勒索软件营业中断、第三方数据主体索赔。2024 PDPA 修法后尤为关键。Pelanggaran data, pertahanan PDPA, ransomware.
12 staff (3 foreign on WCA), RM 4.2M annual turnover, RM 800k stock, RM 1.8M property. Combined annual premium below — pre-SST.12 名员工（3 名外籍走 WCA），年营收 RM 420 万，库存 RM 80 万，物业 RM 180 万。下表为组合保费（未含 SST）。12 staf (3 asing), pulangan RM 4.2J.
| Cover保单Perlindungan | Limit / sum insured限额 / 保额Had | Annual (RM)年保费 (RM)Premium / thn |
|---|---|---|
| Workmen's Comp (3 foreign workers) | RM 100k each | 1,650 |
| Employer Liability | RM 1M aggregate | 820 |
| Public Liability | RM 2M each & every | 1,400 |
| Fire & Special Perils (incl. FELO) | RM 2.6M reinstatement | 3,250 |
| Business Interruption | RM 1.5M · 18 months | 1,950 |
| Burglary / theft | RM 200k contents | 560 |
| Cyber liability (basic) | RM 500k aggregate | 2,200 |
| Sub-total (pre-SST)小计（未含 SST）Sub-jumlah | + 8% SST | 11,830 |
Local employees are covered by SOCSO under Employees' Social Security Act 1969. But: (a) caps are statutory; (b) foreign workers fall under WCA 1952 with a different table; (c) civil negligence suits sit outside both schemes.本地员工受 1969 年员工社会保障法令下 PERKESO 承保。但：(a) 按法定上限赔付；(b) 外籍走 WCA 1952，另一套表；(c) 民事过失诉讼 — 两套都不在范围内。Tempatan = SOCSO. Asing = WCA 1952. Saman cuai = bukan dua-dua.
| Scheme体系Skim | Who适用Untuk siapa | Death身故Kematian | Permanent disability永久残障Hilang upaya | Negligence suit过失诉讼Saman cuai |
|---|---|---|---|---|
| SOCSO / PERKESO | Local employees本地员工Tempatan | 90% × avg wage | 90% × avg wage | Not covered不赔Tidak |
| WCA 1952 | Foreign workers外籍员工Asing | RM 28k–100k | Up to 60 months wage | Not covered不赔Tidak |
| Employer Liability (Zurich) | Both两者皆可Kedua-dua | Up to limit | Up to limit | Defends + pays抗辩并赔Bayar & bela |
A quick read of the covers we most often write per sector in Skudai & Iskandar. ● = essential, ○ = strongly advised.我们在士姑来 / 依斯干达按行业最常承保的速查。● = 必备，○ = 强烈建议。Bacaan pantas polisi yang paling kerap kami tulis mengikut sektor di Skudai & Iskandar. ● = penting, ○ = sangat disyorkan.
| Industry行业Industri | Public Liab. | Prof. Indem. | Fire / BI | Machinery | Cyber |
|---|---|---|---|---|---|
| F&B / café (mall)餐饮 / 咖啡馆（商场）F&B / kafe (mal) | ● | ○ | ● | ○ | ○ |
| Manufacturing / SME factory制造 / 中小工厂Pengilangan / kilang PKS | ● | ○ | ● | ● | ○ |
| Professional services专业服务Perkhidmatan profesional | ● | ● | ○ | — | ● |
| Retail / e-commerce零售 / 电商Runcit / e-dagang | ● | ○ | ● | — | ● |
| Logistics / RTS cargo物流 / RTS 货运Logistik / kargo RTS | ● | ○ | ● | ○ | ○ |
| IT / system integratorIT / 系统集成IT / penyepadu sistem | ○ | ● | ○ | — | ● |
"Nicholas spotted that our mall lease needed RM 2M PL, not the RM 1M our old agent sold us — found out before, not after a slip-and-fall claim."「Nicholas 发现我们的商场租约要 RM 200 万公共责任，而不是旧代理卖的 RM 100 万 — 还好是事前发现，不是滑倒索赔后。」"Nicholas perasan pajakan mal kami perlukan PL RM 2J, bukan RM 1J ejen lama jual — sebelum, bukan selepas tuntutan."
"Our chiller died on a Friday. The machinery-breakdown + BI claim kept payroll running for the three weeks of repair. Worth every ringgit."「冷库周五坏了。机损 + 营业中断理赔撑住了维修三周的工资。每一分都值。」"Penyejuk kami rosak Jumaat. Tuntutan kerosakan jentera + BI kekalkan gaji tiga minggu pembaikan. Berbaloi."
"After the 2024 PDPA reform we needed cyber + PI. He bundled it with our IT-deployment so the paperwork matched the actual systems we run."「2024 PDPA 修法后我们需要网络 + 专业责任。他把它与我们的 IT 部署捆绑，文件与实际系统对得上。」"Selepas reformasi PDPA 2024 kami perlukan siber + PI. Dia bungkus dengan pemasangan IT kami supaya dokumen sepadan sistem sebenar."
We flag duplicates, quote the gaps, and explain the BNM-mandated disclosures in plain language.标出重复，给缺口报价，并把 BNM 强制披露条款用大白话讲清楚。Kami serlah pertindihan, kuotasi jurang.