Directors and Officers insurance protects you from personal liability under the Companies Act 2016. Understand your Section 17A MACC exposure. Get a free risk assessment for SME-friendly coverage options.
Answer 7 quick questions to assess your director liability exposure and get indicative D&O insurance recommendations.
This helps us assess your liability exposure
D&O insurance Malaysia provides essential protection for company directors and officers against personal liability claims. Under the Companies Act 2016 and Section 17A of the MACC Act (effective 1 June 2020), Malaysian directors face unprecedented personal liability - including fines of not less than 10 times the gratification value or RM1 million (whichever is higher) and up to 20 years imprisonment.
Our director insurance packages are specifically designed for SMEs, startups, and family businesses across Malaysia, including Kuala Lumpur, Selangor, Penang, Johor Bahru, Sabah, and Sarawak. The vast majority of SME directors remain unprotected - don't leave your personal assets, your home, savings, and investments, at risk.
Under the Companies Act 2016, directors face unprecedented personal liability. Are you protected?
Companies Act 2016 Section 213 makes directors personally liable for breach of fiduciary duties, with penalties up to RM3 million fine or 5 years imprisonment. Your home, savings, and investments could be seized.
Real Case: In 2025, Bursa Malaysia fined directors RM150,000 each for misleading announcements. Source: Bursa Malaysia enforcement actions
What happens if you (the key person) die or become critically ill tomorrow? Without keyman insurance, your business could collapse within months.
If your co-shareholder dies, do you have RM500k-5M cash to buy out their estate? Without shareholder protection insurance, you could end up with unwanted business partners.
Common scenario: Deceased shareholder's spouse wants cash immediately, forcing fire sale of company assets.
The good news? All three risks can be protected - and it costs less than you think.
Calculate My Risk Exposure Now →Directors and Officers insurance protects your personal assets from liability claims arising from your management decisions
Get your director insurance risk assessment online - fast, transparent, and obligation-free
Answer 7 questions about your director role, company revenue, industry, and current insurance coverage. Free online calculator takes 3 minutes.
Receive your personalized director liability risk score (1-10 scale) plus indicative coverage recommendations. Actual premiums determined upon consultation.
Book a free consultation to discuss Section 17A compliance, policy customization, and SME-specific coverage needs. Zero pressure.
Common questions about Directors and Officers insurance, Section 17A compliance, and SME coverage
Yes, 100% free. No credit card required, no hidden fees. The calculator and risk report are completely complimentary. This is an indicative risk assessment, not a binding insurance quote. We only get paid if you decide to purchase insurance coverage later.
No. You control when and if you want to talk. We'll send you helpful educational emails, but you can unsubscribe anytime. We'll only call if you explicitly book a consultation.
The calculator uses Malaysian market data, Companies Act 2016 provisions, and industry standards to estimate your risk. While it provides a reliable general assessment, your actual needs may vary based on specific circumstances. A consultation can provide precise recommendations.
The calculator will tell you honestly if your risk is low. Even low-risk directors should consider basic D&O coverage due to Companies Act 2016 liability provisions. But if you don't need insurance, we'll tell you that too.
It depends on the policy type and structure. Keyman insurance may be tax deductible under LHDN Public Ruling No. 2/2003 if it is a term policy with no investment value, the company is the beneficiary, and the insured is a key person (not a controlling shareholder). D&O insurance deductibility depends on the cover structure (Side A/B/C). Consult a qualified tax advisor for your specific situation.
You'll immediately see your risk report on screen including: (1) Your risk score (1-10), (2) Analysis of your 3 main risks, (3) Risk level for each category. You can optionally provide your contact information if you'd like us to reach out for a consultation.
Understand your exposure under Section 17A MACC and Companies Act 2016. Free risk assessment in 2 minutes. No obligation.
Start Free Risk Assessment →Zero obligation • For informational purposes only
Important Disclaimer: The information provided on this website, including the risk calculator results, coverage recommendations, and premium estimates, is for general informational and educational purposes only. It does not constitute financial advice, insurance advice, or a binding insurance quotation. Actual coverage, terms, premiums, and eligibility are determined by the underwriting insurer and may vary based on individual circumstances. D&O insurance policies contain specific exclusions, conditions, and limitations - including exclusions for criminal fines, penalties, and intentional misconduct. You should consult a licensed insurance advisor and review the full policy wording before making any insurance purchasing decisions. Director Risk Protection acts as an insurance intermediary and does not underwrite insurance policies. All insurance products are subject to the terms and conditions of the issuing insurer. Past enforcement cases cited are for educational illustration only.
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