Business insurance · Malaysia & Singapore
Business insurance in Malaysia, placed with the insurer that fits.
Tell us what your contract, landlord or venue needs, and we'll get you options from licensed insurers, then stay with you through renewals and claims.
How it works
One point of contact, from your first quote to your claim.
9 in 10 businesses that contact us are holding a contract, tender or tenancy that lists an insurance and limit requirement.
We read that requirement, place cover that meets it with an insurer that wants your type of business, and look after the policy from there.
Tell us what's being asked for
Send us your contract, tender or venue letter, or tell us what your business does and when cover needs to start. A WhatsApp message is enough to begin.
We come back with options
We take your details to the insurers that want your business, compare the cover, exclusions and premium, and explain the differences in plain English. Usually that's 2 to 3 options.
You get your cover note, and we stay on
Once you pay, your cover note can be issued on the same day. The insurer issues your policy and if something goes wrong, you call us first and we work the claim with the insurer for you.
We are licensed and experienced
Bank Negara's list covers insurers and brokers. Insurance agencies like us are registered with PIAM, the General Insurance Association of Malaysia, and our registration number is 193772-00. Every policy we place is issued by a licensed insurer that you will find on Bank Negara's list.
Check our PIAM registrationGet QuoteThe group behind Contingent
20+industries covered across the Emerge group, with over RM3.2 billion in total sums insured.
Contingent is part of Emerge Insurtech. Across the group we place all commercial insurance classes, from construction and engineering to professional indemnity, employee benefits and marine cargo and more. Your policy is issued by a licensed insurer, so the name on your policy schedule will be theirs.
Coverage
The covers we place often
Public Liability
For shops, clinics, offices, F&B outlets and any business with customers or visitors on site. Pays for claims when someone is injured or their property is damaged because of your business. Landlords and malls often ask for it in the tenancy.
Event Liability
For event organisers, wedding planners and anyone running a one-off event. Venues and malls usually ask for a certificate, often for RM1 million of cover, before they confirm your booking. For regular events we usually come back with a quote within 1 working day.
Professional Indemnity
For professionals whose advice, design or diagnosis could be questioned. Covers your legal defence and compensation if a client says your work caused them a loss. Often a condition of your professional body, your client contract or your licence.
Group Personal Accident
Covers your staff for accidental injury, and the people taking part in something you organise, like a fun run, a sports day or a team building trip.
Group personal accidentGroup Hospital & Surgical
Pays your staff's hospital and surgery bills. Usually set up alongside GPA as part of an employee benefits plan.
Employee benefitsSME package: Fire + Public Liability + Burglary + more
Fire cover for your premises as the base, with public liability, burglary, money and other sections added as you need them. Usually much cheaper than buying public liability on its own. Suits shops, offices, clinics, salons, gyms and F&B outlets.
SME packageSomething else?
Don't see your cover here? We do everything! Tell us what your contract asks for and we'll get it for you.
Industries
Insurance by industry
Each industry gets asked for different cover by its landlord, venue, clients or regulator. Pick yours to see what's usually needed.
The people
The people placing your cover
You'll deal with named people at our Kuala Lumpur office, from your first quote through to any claim.
Kevin Hoong, ACII
Group CEO
Michelle Chin, Cert CII
Group COO
Tan Chun Ming, AII (L1)
Head of Placement
Samantha Lee
Senior, Marketing
Leong Hui Zhen
Senior, Placement
Free policy review
Already insured? We'll tell you if you're over- or under-covered.
Send us your current policy schedule. We'll tell you in plain English what it covers, what it leaves out, and whether it meets what your contracts and landlord ask for. There's no obligation to move your policy to us.
Send us your policyBusiness insurance questions we get asked most
Is Contingent licensed?
Contingent is the business insurance brand of Emerge Insurtech (M) Sdn Bhd (company no. 202101001225), a PIAM-registered insurance agency (registration no. 193772-00). Your policy is issued by a licensed insurer, and that insurer's name is on your policy schedule.
How fast can I get a cover note?
For regular event public liability, we usually come back with a quote within 1 working day. Other liability covers take 1 to 2 weeks on average, and complex risks 2 to 3 weeks. Once you pay, the cover note is usually issued the same day, and the full policy can take up to 2 weeks. If you have a deadline, tell us at the start and we'll work to it.
What do you need from me to get a quote?
Your company name, what the business does, when cover needs to start, and the clause or letter asking for the insurance if there is one. If you have a budget in mind, tell us early, because it changes which insurers we approach.
My contract asks for a specific limit or wording. Can you match it?
Yes. Send us the clause and we'll check the limit, the parties that need to be named and any wording the other side wants on the certificate, then make sure the policy meets it before you pay.
Should I ask several agents for quotes at the same time?
It may slow you down. Once an insurer has quoted one agent for your business, it usually won't quote a second agent for the same risk. Ask each agent which insurers they work with, and if they overlap, go with 1.
Does it cost more to buy through you than from the insurer directly?
Agents are paid a commission by the insurer, and commission rates are regulated per product, so they don't change depending on who you buy through. Going direct to avoid commission is only realistic for very large policies. In return, we handle the paperwork, the renewals and your claims with the insurer.
Do you help with claims?
Yes. When something happens, call or WhatsApp us first. We tell you what the insurer needs, put the claim together with you and follow it up with the insurer until it's settled.
Do you cover businesses in Singapore?
Yes. We place cover for businesses in Malaysia and Singapore. Tell us where your business is registered and where the work or event happens, because that decides which insurers can cover it.
Tell us what you need. We'll compare quotes for free.
Pick the covers you're after and leave your details. Our team will come back to you, no obligation. If a contract, tender or venue is asking for the cover, mention it when we call and we'll work from their requirement.
