Workmen Compensation Insurance 2026: Complete Guide for Malaysian Employers

A single workplace accident can turn into a six-figure legal claim. One fall from scaffolding, one hand caught in a machine, one worker who doesn't go home. If you're an employer in Malaysia, the financial exposure from a workplace injury is real, immediate, and personal.

Workmen compensation insurance is your first line of defence against this liability. It covers the statutory compensation you owe under the Workmen's Compensation Act 1952, plus your common law exposure if an injured worker sues for negligence. Without it, every ringgit comes out of your pocket.

Here's what this guide covers:

• What workmen compensation insurance actually protects against
• How the WCA 1952 and SOCSO/PERKESO split employee coverage
• Who must buy WC insurance and the penalties for not doing so
• The Foreign Workers Compensation Scheme (FWCS) and PERKESO transition
• Premium calculation, occupation classes, and how rates work
• WC vs Employers Liability vs Group PA: which policy does what
• OSHA 1994 Amendment 2022 penalties (up to RM500,000)
• Step-by-step process to arrange your coverage

What Is Workmen Compensation Insurance?

Workmen compensation insurance (also called workers' compensation insurance) is a liability policy that protects employers against claims from employees who suffer work-related injuries, occupational diseases, or death. It pays the compensation amounts you're legally required to provide under the Workmen's Compensation Act 1952 (Act 273) and covers your liability under common law if an employee sues you for negligence.

The policy doesn't pay the worker directly. It reimburses you, the employer, for the compensation and legal costs you become liable to pay. This is a critical distinction from personal accident insurance, which pays the injured person.

Feature	Detail
Legal Basis	Workmen's Compensation Act 1952 (Act 273) and Common Law
Type of Policy	Liability insurance (indemnifies the employer)
Covers	Statutory compensation + common law damages for work-related injury, disease, or death
Does Not Cover	Employees already covered under SOCSO (with limited exceptions)
Typical Common Law Limit	RM1,000,000 per accident and in the aggregate (can be increased)

The insurance policy typically has two sections. Section I covers your statutory liability under the WCA 1952, paying the compensation amounts prescribed by the Act. Section II covers your common law (employers' liability) exposure, providing indemnity when an employee brings a negligence claim against you in court.

Both sections matter. The WCA 1952 sets the minimum compensation you owe regardless of fault. Common law claims can run into hundreds of thousands of ringgit if the court finds you were negligent in maintaining a safe workplace.

WCA 1952 vs SOCSO (PERKESO): Which Employees Fall Under Which Scheme

This is the part that trips up most employers. Malaysia has two separate systems for compensating injured workers, and you need to know which one applies to your employees. Get it wrong, and your workers could be completely unprotected.

The Employees' Social Security Act 1969 (Act 4), administered by SOCSO (PERKESO), covers Malaysian citizens and permanent residents through mandatory employer and employee contributions. The Workmen's Compensation Act 1952 (Act 273) now primarily covers foreign workers and certain categories of domestic workers who fall outside SOCSO's scope.

Criteria	SOCSO / PERKESO (Act 4)	WCA 1952 (Act 273)
Administering Body	Social Security Organisation (PERKESO)	Department of Labour (JTK)
Primary Coverage	Malaysian citizens and permanent residents	Foreign workers, domestic servants (certain categories)
Funding Method	Monthly employer + employee contributions	Employer purchases insurance policy / pays compensation directly
Schemes	Employment Injury Scheme + Invalidity Scheme	Lump-sum compensation per WCA 1952 schedules
Benefits	Medical treatment, temporary/permanent disability benefits, dependants' benefits, rehabilitation	Lump-sum death/disability compensation, half-monthly temporary disablement payments, medical expenses, funeral expenses
Exclusions	Government servants (covered under Pension Act 1980), self-employed (unless they opt in)	Employees already covered by SOCSO
Foreign Workers	Employment Injury Scheme mandatory since 1 January 2019 (employer contribution 1.25% of wages)	Previously mandatory via FWCS; transitioning to SOCSO since 2019

The Key Takeaway for Employers

If your employees are Malaysian citizens or permanent residents, they should be registered with SOCSO. You still need workmen compensation insurance if you employ foreign workers, domestic helpers, or if you want common law liability coverage that goes beyond what SOCSO provides.

Here's the thing: SOCSO covers only your statutory obligation. It doesn't protect you from common law negligence suits. Many employers buy workmen compensation insurance for its Section II (common law/employers' liability) coverage, even when their workers are SOCSO-registered.

Who Must Buy Workmen Compensation Insurance

Malaysian law does not leave this to your discretion. If you have employees who fall outside the SOCSO system, you are required to insure them. The mandatory nature of workmen compensation insurance catches many employers off guard.

Employer Categories

Employer Type	WC Insurance Required?	Reason
Construction contractors with foreign workers	Yes (mandatory)	Foreign workers require coverage; also needed for contract compliance
Manufacturers / factory operators	Yes (mandatory if employing foreign workers; strongly recommended for all)	High-risk environment; common law exposure is significant
Plantation and agriculture operators	Yes (mandatory)	Large foreign worker populations in this sector
Households employing domestic helpers	Yes (if helper is a foreign national not registered with SOCSO)	Foreign domestic helpers fall under WCA 1952
Office-based businesses (Malaysian staff only)	Not mandatory (but recommended for common law coverage)	SOCSO handles statutory liability; WC provides additional common law protection
Oil and gas operators with contract workers	Yes (mandatory)	Often required by PETRONAS and principal contractors

Employee Categories Requiring WC Coverage

The WCA 1952 defines a "workman" broadly. It includes any person who has entered into, or works under, a contract of service or apprenticeship with an employer. The Act specifically applies to:

• Foreign workers (manual workers regardless of wages, or non-manual workers earning not more than RM500/month)
• Domestic servants who are foreign nationals
• Outworkers (workers who perform work at home or premises not controlled by the employer)
• Any employee not covered under SOCSO for any reason

The bottom line: if they work for you and they're not SOCSO-registered, they need WC coverage.

What Workmen Compensation Insurance Covers

The policy covers three main scenarios: injury by accident, occupational disease, and death arising out of and in the course of employment. Each triggers different compensation obligations under the WCA 1952.

Compensation Under the WCA 1952

Section 8 of the WCA 1952 sets out the compensation payable for different types of injury. The amounts are modest by today's standards, but they represent your minimum statutory liability.

Type of Injury/Event	Compensation Under WCA 1952
Death (adult with dependants)	Lump sum equal to 84 months' earnings or RM23,000, whichever is less
Death (no dependants, funeral expenses only)	Actual funeral expenses or RM1,000, whichever is less
Permanent Total Disability (adult)	Lump sum equal to 84 months' earnings or RM23,000, whichever is less
Permanent Partial Disability	Percentage of permanent total disability amount, based on First Schedule
Temporary Disablement	Half-monthly payment of RM165 or one-third of monthly earnings, whichever is less
Medical Expenses	As prescribed under the Act (employer bears cost of medical treatment)

The catch? These WCA 1952 amounts are statutory minimums. A common law suit for employer negligence can result in court awards far exceeding these figures. That's exactly why the common law (Section II) coverage in your WC policy is so important.

First Schedule: Permanent Partial Disability Percentages

The First Schedule of the WCA 1952 lists specific injuries and assigns each a percentage of the permanent total disability compensation. Part I covers injuries deemed to result in permanent total disability. Part II lists injuries resulting in permanent partial disability.

Injury (First Schedule, Part II)	Percentage of Earning Capacity Lost
Loss of right hand or left hand	60%
Loss of right or left arm above the elbow	70%
Loss of a foot	50%
Loss of leg at or above the knee	60%
Loss of sight of one eye	30%
Loss of thumb	25%
Loss of index finger	10%
Loss of hearing (both ears)	50%
Loss of hearing (one ear)	20%

Note: The percentages above are representative of the WCA 1952 First Schedule structure. Employers should refer to the full text of Act 273 for the complete and current schedule, as amounts and percentages may have been amended.

Coverage Sections in a WC Policy

Policy Section	What It Covers	Limit of Liability
Section I: Statutory Liability (WCA 1952)	Compensation payable under the Workmen's Compensation Act 1952 for work-related injury, disease, or death	As prescribed by the Act (unlimited per statute)
Section II: Common Law (Employers' Liability)	Damages and legal costs when an employee sues for negligence under common law	Typically RM1,000,000 per accident and in the aggregate (can be increased)

For construction contractors and manufacturers, the common law limit should be reviewed carefully. A serious workplace injury case in the Malaysian courts can produce awards well above the standard RM1 million limit.

Foreign Workers Compensation Scheme (FWCS) and the PERKESO Transition

The Foreign Workers Compensation Scheme (FWCS) was established under the Workmen's Compensation (Foreign Workers' Compensation Scheme) (Insurance) Order 2005. It required employers to purchase an annual insurance policy from approved private insurers for each foreign worker. The premium was fixed at RM86 per worker per year.

That said, the landscape changed significantly in 2019. The Malaysian government decided to bring foreign workers under PERKESO's Employment Injury Scheme, replacing the FWCS with a more comprehensive social security framework.

Timeline of the Transition

Date	Development
Pre-2019	All foreign workers covered under FWCS via private insurance. Employer pays RM86/year per worker. Maximum lump-sum compensation: RM25,000 for death, RM23,000 for permanent disability.
1 January 2019	New foreign workers entering Malaysia must be registered with PERKESO's Employment Injury Scheme upon arrival at any gazetted port of entry.
31 December 2019	Cooling-off period for existing FWCS policies ends. Employers of existing foreign workers must register them with PERKESO the day after their FWCS policy expires.
1 January 2020 onwards	All employers must register foreign workers with PERKESO regardless of existing FWCS status.

PERKESO Employment Injury Scheme for Foreign Workers

Under the current system, employers contribute 1.25% of the foreign worker's insured monthly wages to PERKESO. This is an employer-only contribution; you cannot deduct it from the worker's salary. The worker must have a valid passport and the appropriate employment pass.

Registration is done through the PERKESO ASSIST portal or at the nearest PERKESO office. New foreign workers are registered once validated by the Immigration Department at a gazetted port of entry.

Feature	Old FWCS (Pre-2019)	PERKESO EIS (Current)
Administered By	Private insurers (approved by Ministry)	PERKESO (Social Security Organisation)
Premium / Contribution	RM86/year per worker (flat rate)	1.25% of insured monthly wages (employer only)
Death Benefit	RM25,000 (lump sum)	Dependants' benefits as per SOCSO Employment Injury Scheme
Permanent Disability	Up to RM23,000 (lump sum)	Periodic payments + lump sum as per SOCSO scales
Medical Treatment	Limited coverage under FWCS policy terms	Full medical treatment benefits at SOCSO panel hospitals
Rehabilitation	Not typically included	Physical and vocational rehabilitation provided

Do You Still Need WC Insurance for Foreign Workers?

Yes, in most cases. While PERKESO's Employment Injury Scheme covers statutory compensation, it does not protect you from common law negligence claims. A foreign worker (or their dependants) can still sue you under common law for damages resulting from unsafe working conditions. Workmen compensation insurance with common law coverage fills this gap.

For construction projects, principal contractors often require subcontractors to produce evidence of WC insurance as a condition of contract, regardless of PERKESO registration.

Premium Calculation: How Rates Are Determined

Workmen compensation insurance premiums in Malaysia are calculated based on several factors. Unlike SOCSO, which uses fixed contribution rates, WC premiums vary by insurer and are influenced by your risk profile.

Key Premium Factors

Factor	How It Affects Premium
Occupation Class / Industry	Higher-risk industries (construction, manufacturing, oil and gas) attract higher rates. Office-based businesses pay less.
Total Annual Payroll (Estimated Wages)	Premium is typically calculated as a rate per RM100 of annual payroll. Higher payroll means higher premium.
Number of Employees	More employees increase total exposure and premium.
Claims History	A poor claims record increases your premium at renewal. Clean claims history may earn a no-claims discount.
Common Law Limit Selected	Higher common law limits (e.g., RM2 million vs RM1 million) increase the premium.
Nature of Work Activities	Specific hazardous activities (working at height, confined spaces, heavy machinery) may attract loadings.

Premium Calculation Formula

The basic formula used by most insurers in Malaysia is:

Annual Premium = (Estimated Annual Payroll / 100) x Rate per RM100

The rate per RM100 varies by occupation class. Here's a general indication of how rates differ across industries (actual rates vary by insurer):

Occupation Class / Industry	Risk Level	Indicative Rate Range (per RM100 payroll)
Office / clerical / administrative	Low	RM0.10 - RM0.30
Retail / hospitality / services	Low to Medium	RM0.20 - RM0.50
Light manufacturing / warehousing	Medium	RM0.50 - RM1.50
Heavy manufacturing / engineering	Medium to High	RM1.00 - RM3.00
Construction (general building)	High	RM2.00 - RM5.00
Oil and gas / offshore / mining	Very High	RM3.00 - RM7.00+
Plantation / agriculture	Medium to High	RM1.00 - RM3.00

Note: These rates are indicative only. Actual rates depend on the insurer, your specific operations, claims history, and market conditions. Contact an insurance specialist for an accurate quotation.

Premium Adjustment at Policy Expiry

Most WC policies require a wages declaration at the end of the policy period. If your actual payroll was higher than the estimated payroll at inception, you'll pay an additional premium. If it was lower, you may receive a refund (subject to minimum premium conditions).

Key Exclusions in Workmen Compensation Insurance

No insurance policy covers everything. Understanding what your WC policy excludes is just as important as knowing what it covers. Here are the standard exclusions you'll find in most Malaysian WC policies:

Exclusion	Explanation
War, invasion, or military action	Injuries caused by war, rebellion, or similar events are excluded.
Nuclear or radioactive contamination	Standard exclusion across all general insurance policies.
Self-inflicted injury or wilful misconduct by the employee	Injuries caused deliberately by the worker are not covered.
Injuries not arising out of and in the course of employment	Off-duty injuries or injuries unrelated to work are excluded.
Employees under the influence of drugs or alcohol	Injuries occurring while intoxicated may be excluded.
Liability to employees not listed in the policy schedule	Workers not declared on the policy are not covered.
Contractual liability beyond what the law requires	If you've contractually agreed to pay more than the statutory requirement, the excess may not be covered.
Fines, penalties, and punitive damages	Regulatory fines (including OSHA penalties) are not insurable.

The most common gap employers encounter is undeclared workers. If you hire additional staff mid-policy and don't update your insurer, those workers may not be covered. Always notify your insurer when your headcount or payroll changes significantly.

WC Insurance vs Employers' Liability vs Group Personal Accident

These three products are often confused. They serve different purposes, and one does not replace the other. If you're a contractor managing multiple liability exposures, understanding the distinction is essential.

Feature	Workmen Compensation (WC)	Employers' Liability (EL)	Group Personal Accident (GPA)
Type	Liability policy	Liability policy (often bundled with WC as Section II)	Personal accident policy (benefit-based)
Who It Protects	The employer (against statutory compensation claims)	The employer (against common law negligence suits)	The employee (direct benefit payment)
Trigger	Work-related injury, disease, or death	Work-related injury where employer is found negligent	Accidental bodily injury (24-hour, worldwide coverage)
Legal Requirement	Mandatory for employees not covered by SOCSO	Not strictly mandatory, but strongly recommended	Voluntary (employee benefit)
Covers Employer's Legal Liability?	Yes (statutory)	Yes (common law)	No
Coverage Period	During course of employment only	During course of employment only	24 hours, worldwide
Occupational Disease?	Yes (scheduled diseases under the Act)	Yes (if employer found negligent)	No (accident only, not disease)
Can Replace WC Insurance?	N/A	No (covers different legal basis)	Absolutely not

Here's the thing: Group Personal Accident insurance should never be used as a substitute for workmen compensation insurance. GPA does not protect you from liability. If a worker sues you for negligence, your GPA policy won't respond. You need WC and/or Employers' Liability coverage for that.

Many employers buy both WC and GPA. The WC policy handles your legal liability, while GPA provides additional death and disability benefits directly to employees as a workplace benefit.

OSHA 1994 Penalties for Non-Compliance (Amendment 2022, Act A1648)

The Occupational Safety and Health Act 1994 (Act 514) was significantly amended by the Occupational Safety and Health (Amendment) Act 2022 (Act A1648). These amendments came into effect on 1 June 2024 and dramatically increased the penalties for non-compliance. For a detailed breakdown of all penalties, see our OSHA 1994 penalties and fines guide.

If a workplace accident occurs and you don't have proper insurance or safety measures in place, you face prosecution under both the WCA 1952 and OSHA 1994. The financial consequences can be devastating.

Offence (OSHA 1994 Section)	Previous Penalty (Pre-Amendment)	New Penalty (Post 1 June 2024)
S.15-18: Employer/self-employed general duties (safety, health, welfare of employees) [S.19 penalty]	Fine up to RM50,000 or imprisonment up to 2 years, or both	Fine up to RM500,000 or imprisonment up to 2 years, or both
S.18A: Duties of principals	N/A (new section)	Fine up to RM500,000 or imprisonment up to 2 years, or both
S.18B: Duty to conduct risk assessment	N/A (new section)	Fine up to RM500,000 or imprisonment up to 2 years, or both
S.20-21: Manufacturers'/suppliers' general duties	Fine up to RM20,000 or imprisonment up to 2 years, or both	Fine up to RM200,000 or imprisonment up to 2 years, or both
S.24: General duties of employees	Fine up to RM1,000 or imprisonment up to 3 months, or both	Fine up to RM2,000 or imprisonment up to 3 months, or both
S.49: Failure to comply with improvement/prohibition notice	Fine up to RM50,000 or imprisonment up to 2 years, or both	Fine up to RM500,000 or imprisonment up to 2 years, or both; plus RM2,000/day for continuing offence

The message is clear: the Malaysian government is serious about workplace safety enforcement. A RM500,000 fine is ten times the old maximum. And that's before you add the compensation you owe the injured worker and their legal costs.

How This Relates to Workmen Compensation Insurance

Workmen compensation insurance does not cover OSHA fines. Regulatory penalties are uninsurable. But here's what it does: it covers the compensation claim from the injured worker that typically follows an OSHA investigation. Without WC insurance, you'd be paying both the fine and the compensation out of pocket.

Appointing a qualified Safety and Health Officer (SHO) and establishing a proper safety committee can help you avoid OSHA penalties in the first place. Prevention is always cheaper than compensation.

How to Arrange Workmen Compensation Insurance

Getting the right WC policy doesn't have to be complicated. Here's the step-by-step process:

1. Determine which employees need coverage. Identify all workers not covered by SOCSO, including foreign workers, domestic helpers, and contract workers. List them by job category and occupation type.
2. Calculate your estimated annual payroll. Add up the total annual wages (including overtime, bonuses, and allowances) for all employees to be covered. This is the basis for your premium calculation.
3. Classify your business activities. Know your industry and the specific work activities performed by your employees. Construction, manufacturing, and plantation work attract higher rates than office-based operations.
4. Decide on your common law limit. The standard limit is RM1,000,000. For high-risk industries or larger operations, consider increasing this to RM2,000,000 or higher.
5. Request quotations. Approach an insurance broker or specialist who understands your industry. Provide your employee list, payroll data, and business description.
6. Review the policy wording carefully. Check the exclusions, conditions, and claims notification requirements. Make sure all your workers are covered under the correct occupation class.
7. Purchase and maintain the policy. Pay the premium and keep the policy active throughout the year. Notify your insurer of any significant changes in headcount or payroll.
8. Submit your wages declaration at renewal. At the end of the policy period, declare your actual payroll so the premium can be adjusted accordingly.

For construction projects with site mobilisation, WC insurance is often arranged as part of a broader insurance package that includes Contractor's All Risk (CAR) and Comprehensive General Liability (CGL) coverage.

Common Mistakes Employers Make

After years of handling workmen compensation claims and policies in Malaysia, these are the errors we see again and again:

Mistake	Why It's a Problem	How to Avoid It
Thinking GPA replaces WC insurance	GPA does not cover your employer liability. You remain personally liable for compensation.	Buy WC insurance for liability coverage. Use GPA as a supplementary employee benefit.
Under-declaring payroll to save premium	If actual payroll exceeds declared payroll, the insurer may reduce your claim payout proportionally.	Declare your best estimate honestly. Adjust at the wages declaration audit.
Not covering foreign workers	Foreign workers can still sue under common law. PERKESO covers statutory compensation but not negligence claims.	Register with PERKESO and buy WC insurance for common law coverage.
Failing to update employee lists	New hires who aren't on the policy may not be covered.	Notify your insurer whenever you hire or terminate employees.
Choosing the wrong occupation class	Declaring office workers when your employees actually do manual work on construction sites can void your cover.	Accurately describe all work activities. Don't downplay the risk.
Late claims notification	Most policies require you to notify the insurer "as soon as reasonably practicable." Delay can jeopardise your claim.	Report every workplace accident to your insurer immediately, even if the injury seems minor.
Ignoring common law exposure	Some employers buy the cheapest WC policy without common law cover. One lawsuit and they're exposed.	Always include Section II (common law/employers' liability) in your policy.

Frequently Asked Questions

Is workmen compensation insurance mandatory in Malaysia?

Yes, for employees not covered by SOCSO. Under Section 26 of the WCA 1952, employers must insure employees who fall under the Act's scope. This includes foreign workers, certain categories of domestic servants, and outworkers. For Malaysian citizens and permanent residents registered with SOCSO, the statutory requirement is met through SOCSO contributions, but WC insurance is still recommended for common law liability coverage.

What is the difference between workmen compensation and SOCSO?

SOCSO (PERKESO) is a government social security scheme funded by monthly employer and employee contributions. It covers Malaysian citizens and permanent residents. Workmen compensation insurance is a private insurance policy that covers your liability under the WCA 1952 and common law. They serve different employee populations and provide different types of protection.

Do I need WC insurance if all my workers are registered with SOCSO?

SOCSO covers your statutory compensation obligations, but it does not protect you from common law negligence claims. If an employee sues you for unsafe working conditions, SOCSO won't pay for your legal defence or the court-awarded damages. WC insurance (specifically the common law/employers' liability section) covers this gap.

How much does workmen compensation insurance cost in Malaysia?

Premiums depend on your industry, total payroll, number of employees, and claims history. The formula is generally: (Estimated Annual Payroll / 100) x Rate per RM100. Rates range from around RM0.10 per RM100 for low-risk office work to RM5.00 or more per RM100 for high-risk construction or oil and gas work. Contact an insurance specialist for an accurate quotation based on your specific operations.

Are foreign workers covered under SOCSO now?

Since 1 January 2019, foreign workers must be registered under PERKESO's Employment Injury Scheme. The employer contributes 1.25% of the worker's insured monthly wages. This replaced the old FWCS administered by private insurers. Still, many employers also purchase WC insurance for the common law liability protection it provides.

What happens if I don't have workmen compensation insurance and a worker gets injured?

You become personally liable for all compensation amounts under the WCA 1952, plus any common law damages if the worker sues for negligence. You may also face prosecution and fines. Under OSHA 1994 (as amended), failing to ensure worker safety can result in fines up to RM500,000 and imprisonment up to 2 years.

Does WC insurance cover occupational diseases?

Yes. The WCA 1952 includes a schedule of occupational diseases (Third Schedule) for which compensation is payable. These include conditions like noise-induced deafness, lead poisoning, asbestosis, and other diseases contracted through workplace exposure. Your WC policy covers the compensation you owe for these scheduled diseases.

Can a worker claim both SOCSO benefits and sue me under common law?

Yes. SOCSO benefits and common law claims are not mutually exclusive. A worker can receive SOCSO compensation and still bring a negligence action against you in court for additional damages. The court may take SOCSO benefits into account when calculating damages, but they don't eliminate your common law liability.

What is the maximum common law limit I should buy?

The standard limit is RM1,000,000 per accident and in the aggregate. For construction, manufacturing, and oil and gas operations, consider RM2,000,000 or higher. Court awards for serious injuries (permanent disability, death) in Malaysia can exceed RM1 million, especially when factoring in loss of future earnings, medical costs, and general damages.

How do I make a claim on my WC policy?

Notify your insurer immediately after the workplace accident. Provide full details of the incident, the injured worker's information, and any medical reports. The insurer will investigate the claim and, if it falls within the policy scope, reimburse you for the compensation and legal costs you're liable to pay. Keep detailed records of all workplace incidents, regardless of severity.

Protect Your Business and Your Workers

Workmen compensation insurance isn't just a regulatory checkbox. It's the policy that stands between your business and a crippling financial liability when something goes wrong on your worksite or factory floor.

Whether you're a construction contractor managing dozens of foreign workers, a factory operator running heavy machinery, or an employer who simply wants to do the right thing by your staff, the right WC policy protects both you and your employees.

Foundation specialises in workmen compensation insurance and employers' liability coverage for Malaysian businesses. We understand the WCA 1952, the PERKESO transition for foreign workers, and the OSHA 1994 compliance requirements that affect your operations every day.

Get a workmen compensation insurance quotation today. Fill in the form below and our team will get back to you within one working day with coverage options tailored to your business.

Request Your WC Insurance Quotation

Disclaimer: This article provides general guidance on insurance coverage available in the Malaysian market as of February 2026. Policy terms, conditions, and availability vary by insurer. Always review your specific policy wording or consult a qualified insurance professional before making coverage decisions.