Employer's Liability Insurance Cheat Sheet

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WC, WICA, SOCSO, employer liability. Four labels, one Malaysian employer reality. The 2-page cheat sheet.

Built for the HR director, CFO, or operations lead at a Malaysian factory, construction site, or commercial operator managing local and foreign worker WC exposure.

✔ SOCSO Employment Injury Scheme: Malaysian workers since 1 July 1992, foreign workers since 1 January 2019
✔ Workmen's Compensation Act 1952 (historical layer) versus the current SOCSO administration
✔ OSHA 1994 Section 19 post-Act A1648 director liability and where employer liability cover responds
✔ Contractor PL and indemnity considerations where third-party labour comes on site; CIDB-registered contractor norms

For Malaysian employers across Selangor, Penang, Johor, and Klang Valley. Subject to policy terms and conditions. Foundation is a specialist property and engineering insurance intermediary, not a broker.

Forward this to your HR director and finance lead before renewal.

Employer Liability

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