Contractor's Construction Insurance Risk Guide
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Risk-by-risk through the Malaysian construction insurance stack, with the PWD 203A and PAM 2018 anchors that govern each.
Built for the QS, project director, or contracts manager at a Malaysian CIDB G3 to G7 contractor running larger or multi-principal projects.
✔ Material damage risks: CAR (civil/building), EAR (M&E erection, commissioning); how they pair on combined projects
✔ Liability and contractor stack: CGL or Public Liability, PI/SPPI for design-build scope, WC including foreign workers via SOCSO Employment Injury Scheme since 1 January 2019
✔ Bond stack: Performance Bond (PWD 203A standard 5 percent of contract sum), APG, Retention Bond
✔ Clause anchors: PWD 203A Clauses 17, 32 to 33, 48.1(a); PAM 2018 Clauses 19, 20A, 20B, 20C; CIDB Act 520 levy mechanics
For Malaysian CIDB G3 to G7 contractors. Subject to policy terms and conditions. Foundation is a specialist property and engineering insurance intermediary, not a broker.
Bring this to your next pre-tender review and your insurance intermediary conversation.
Foundation Insurance Solutions is a registered and licensed insurance intermediary in Malaysia specialising in property and engineering insurance for industrial operations. We provide comprehensive coverage for manufacturers, contractors, and facility owners across construction, electronics, food production, and high-risk industrial sectors.
Riskflow Sdn Bhd (202101001225):
Suite 3.19 (North Block), The Ampwalk, 218 Jalan Ampang, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
t: +60149256398 (Kevin)
email: kevin.hoong@getfoundation.com.my
