Public Liability Insurance for Retail Shops in Malaysia: What Landlords Require and What It Actually Covers

Most retail shop owners in Malaysia assume their landlord's insurance covers them if a customer gets hurt in their shop. It doesn't.

Your landlord's building and fire insurance protects their investment in the physical structure. When a customer slips on your shop floor, or when they're injured by a product you're selling or displaying, their claim doesn't land on your landlord's policy. It lands on yours.

Many commercial tenancy agreements in Malaysia now require tenants to carry public liability insurance. Some do. Some don't specify amounts. Most shop owners aren't clear on what the policy actually covers, what gaps remain, or how to prove they have coverage when a landlord asks for a certificate.