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Build your plan with TM Legacy Builders
Build a future-proof business with insurance that covers every angle.
From employee benefits to property protection, our tailored insurance solutions ensure your business remains resilient in the face of the unexpected.
Insurance we offer
General Insurance
Protecting the tangible and financial stability of the business from physical or liability related risks.
Combines fire, burglary, and all risks coverage into a single package to secure buildings, equipment, and stock.
Protects your business against legal liabilities to third parties, negligence, and professional errors.
Covers goods in transit across all modes of transport and protects profits during periods of operational stoppage.
Employee Benefits Insurance
Safeguarding the health and wellbeing of your workforce to ensure business continuity and talent retention.
Provides medical and hospitalization coverage for your team, keeping them healthy and productive.
Protects employees and their families from financial impact of accidents, disabilities, and critical illnesses.
Ensures business continuity by protecting against the loss of key personnel who drive revenue and operations.
Custom solutions for every stage of your business
Startups
Secure your foundation with lean, essential protection designed for emerging ventures.
Foundational cover
Typically focus on mandatory socso/eis and basic fire insurance to satisfy lease agreements.
Asset protection
90% of new ventures focus on protecting physical hardware like laptops and office equipment via all risks policies.
Talent attraction
Early-stage companies often use basic group personal accident (gpa) as a low-cost perk to attract first hires.
Small & Medium Enterprises
Scale your benefits as your team grows with policies designed for stability and growth.
Package convenience
70% of Malaysian SMEs choose bizone type packages that combine fire, burglary, and money insurance into one policy.
Employee retention
Over 65% of SMEs offer group hospitalisation and surgical (GHS) to remain competitive in the local talent market.
Fidelity guarantee
Common practice includes protecting against internal fraud or employee dishonesty as the workforce expands.
Established Corporations
Master complex risks with advanced engineering, marine, and liability strategies.
Specialised engineering
Mature firms typically invest in machinery breakdown and electronic equipment insurance to protect heavy capital investments.
Marine cargo
Companies with supply chains often insure 100% of their goods in transit across sea, air, and land.
Comprehensive liability
Usually includes directors and officers (d&o) insurance to protect management from legal suits and professional negligence.
Why TM Legacy Builders
Business-first approach
We understand Malaysian SME challenges - from flash floods to supply chain risks - and design coverage that actually protects your revenue.
Claims advocacy
When disaster strikes, we handle the paperwork and negotiations, ensuring you get maximum payout without operational delays.
Scalable solutions
Start lean, grow protected. Our modular approach lets you add coverage as your business expands, no wasteful overinsurance.
A letter
from Our Founder
In Malaysia, small and medium enterprises are the backbone of our nation, contributing nearly 40% of our GDP. Yet, despite being the engine of our economy, many Malaysian businesses remain dangerously underinsured. Statistics show that over 80% of local SMEs are at risk of financial collapse due to inadequate coverage for flash floods, fire, or the loss of key personnel. We are riding a wave of growth, but we are doing it without a safety net.
I started TM Legacy Builders because insurance in Malaysia has become a cold, transactional experience. It is often a world of confusing jargon, hidden exclusions, and mountains of paperwork that leave business owners feeling more vulnerable than protected. For many, insurance is seen as a burden of fine print and loopholes. There is a deep-seated fear that the system is designed to find reasons not to pay, rather than reasons to help.
At TM Legacy Builders, we are changing that narrative. We believe that protecting your business is about protecting the livelihoods of the Malaysian families who depend on you. Whether you are a startup or an established factory, our mission is to ensure that your hard-earned revenue and your people are shielded by a legacy that lasts.
Datin Wong
Founder of TM Legacy Builders
30+ Years of guiding families from Kota Bharu to KL.
20+ Flexible plans for every stage of life.
10+ Awards from multiple professional bodies.
30+ Years of guiding families from Kota Bharu to KL.
20+ Flexible plans for every stage of life.
10+ Awards from multiple professional bodies.
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