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Small Business Insurance

Dedicated to serving the insurance needs of corporate and small commercial organizations in Asia; helping you secure your future.

All companies need advisors they can trust to put their best interests first.

As a global leader in insurance broking and risk management, Marsh has a deep understanding of the entire risk market and a clear and balanced view of the most competitive risk and insurance coverages available. Our job is to negotiate the best solutions on your behalf.   

Marsh has designed risk and insurance solutions for corporate and small commercial businesses that are comprehensive, cost-effective and easy to arrange.

We have leveraged our global and regional resources, our experience, and our relationships with reputable and professional insurers so that, regardless of the size of your organization, you have access to market-leading insurance solutions, customized to meet your needs.

Having the right insurance program in place gives you the peace of mind to concentrate on running your business.

Let Marsh help make your life easier.

Marsh Malaysia is a member of the Malaysian Insurance and Takaful Brokers Association (MITBA) and upholds the MITBA Members’ Client’s Charter on Code of Good Business.

Protecting your small business is easy with Marsh

For a small business owner in Malaysia, buying an insurance policy can be a daunting task. You must understand your business risks, prioritize your insurance needs, procure and compare multiple quotations, and determine the optimal protection for your business, employees, and yourself.

Any setback can harm your business and in a worst-case scenario, an unexpected loss can even threaten the survival of your company.

Small business owners in Malaysia can safeguard themselves by partnering with an experienced insurance broker. Through Marsh, our business owners are already enjoying the following benefits.

  • Complimentary risk assessment tools and reports to identify areas of concern, protection gaps and coverage needs.
  • Streamlined application process to reduce operational inefficiencies.
  • Cost-effective insurance solutions.
  • Tailored terms and conditions from reliable insurance partners.
  • Insurance regulatory advice.

With Marsh as your trusted insurance advisor, you can focus on running your business with confidence.

Protect your business risks

Marsh has ready-tailored small business insurance solutions to protect your company, each supported by a team of product experts.

Let us help you find the right solutions for your business.


As a small business owner in Malaysia, you are responsible for the well-being of a range of people, from employees to customers. Your business activities can affect your key stakeholders in serious and costly ways, and the financial consequences of a mishap can wipe out your assets. A proper small business insurance solution can protect you financially against unforeseen damages and give you peace of mind.

The most common types of insurance are already packaged under a business owner’s policy – fire and perils, fire consequential loss, all risk/electronic equipment, group employee benefits, money, fidelity guarantee, worker injury compensation, and public liability. You may also want to consider a financial lines policy (directors and officers liability, professional indemnity and cyber and data protection) to safeguard your balance sheet and reputation.

A D&O policy fills the gap that general insurance does not cover when protecting you, your small business, and your directors and officers from the costs of lawsuits and investigations brought by regulatory authorities, clients, creditors, competitors, employees, investors, lenders and suppliers.

Data breaches and cyberattacks are rising, and attackers are using the same tactics against big and small businesses. This means that a small business faces the same threats and risks without a big budget for a robust security program. While risk management can minimize the extent to which an attacker moves through your environment and mitigate the damage should an attack occur, a cyber and data protection policy can cover the financial impact of a cyberattack.

You can tailor your policy to your business's needs. Below is a list of possible coverages in Malaysia:

  1. Fire and Perils: For accidental physical loss or damage.
  2. Fire Consequential Loss: For losses from an interruption to your business caused by Property Damage.
  3. All Risk/Electronics Equipment: For losses from material damage, costs of reinstatement of data, and other additional expenses.
  4. Money: For loss of money kept on your premises or in transit.
  5. Fidelity Guarantee: For loss of money or property due to fraud or employee dishonesty.
  6. Group Employee Benefits: For comprehensive group insurance solutions by providing your employees with life, medical and accident arising out of, and during employment. 
  7. Public Liability: For your legal liability, costs, and expenses against third parties.
  8. Marine Cargo: For your goods against damage, destruction, or pilferage during transit.

Contact your risk adviser with your claim details in case of a claim. A claims specialist will then manage the claims process on your behalf. Processing a claim through us is fast-tracked, seamless, and hassle-free; Marsh works with our insurer partner to ensure a simplified claims process with minimal documentation required. For claims below RM10,000, the appointment of an adjuster can be arranged within 24 hours.

Our people

Tang Jun Hoe

Tang Jun Hoe

Manager, Commercial Segment

  • Malaysia