Two Degrees

27/09/2026

TWO DEGREES. SMALL CHANGES. BIG IMPACTS.

A small change in direction today can lead to an entirely different destination tomorrow.
That’s the meaning behind Two Degrees — and the thinking behind what we do.
In business, every decision matters. What you protect. How you prepare. The opportunities you choose to pursue.

At Two Degrees, our risk consultation starts with understanding your business and what matters most to you. We help you understand the risks, explore your options and make informed decisions — so you can move forward with greater confidence.
Because progress isn’t always about making a bigger move. Sometimes, it’s about making a more considered one.

22/09/2026

Ramai kontraktor tahu mereka perlukan Bon Pelaksanaan, tapi tak semua benar-benar faham bagaimana ia berfungsi dan bagaimana ia boleh beri kesan kepada cash flow syarikat.

Dalam video ini, kami kongsikan 5 fakta penting tentang Bon Pelaksanaan Kerajaan yang kontraktor patut tahu sebelum mula sesuatu projek.

Antara perkara yang perlu diberi perhatian ialah:

jumlah bon yang diperlukan
pilihan selain jaminan bank
kesan kepada kemudahan bank dan cash flow
kepentingan untuk urus bon lebih awal

Kalau syarikat anda sedang menjalankan atau bakal mendapat projek kerajaan dan perlukan bantuan berkaitan Bon Pelaksanaan / Insurance Guarantee, boleh hubungi kami untuk semakan lanjut.

📲 WhatsApp Tasha: 019-345 7386

Follow kami untuk lebih banyak info berkaitan bon, insurance guarantee dan pengurusan risiko perniagaan.

20/09/2026

⚠️ Malaysians are becoming more aware of their legal rights — are professionals prepared?

For architects, engineers, consultants and professional advisers, a strong defence does not start when a claim arrives.

It starts much earlier with:

✅ Clear scope of work
✅ Written advice and warnings
✅ Proper project records
✅ Complaint tracking
✅ Insurance continuity
✅ Retroactive date review
✅ Professional Indemnity Insurance that matches your risk

In our latest article, we share 7 positive defence habits that can help professionals protect their business, reputation and Professional Indemnity Insurance position.

Read the full article here:
https://twodegrees.com.my/2026/09/20/professional-indemnity-insurance-defence-habits/

Need help reviewing your Professional Indemnity Insurance protection?

Speak to Two Degrees today.

20/09/2026

SYARIKAT ANDA SELALU MASUK TENDER & PROJEK KERAJAAN? HADAPI MASALAH BON PELAKSANAAN?

🏗️💼Kalau anda kerap terlibat dengan projek kerajaan, pastikan anda faham betul-betul tentang Bon Pelaksanaan! Jom semak 5 fakta penting ini:

1️⃣ Jaminan Kepada Kerajaan: Memastikan kontraktor mematuhi semua syarat kontrak yang dipersetujui.

2️⃣ Nilai Bon 5%: Bagi kontrak melebihi RM200,000, nilai bon biasanya sekitar 5% daripada nilai projek (Cth: Projek RM1,000,000 = Jaminan RM50,000).

3️⃣ Bukan Hanya Bank: Boleh juga dibuat melalui Jaminan Insurans, Takaful, atau kaedah lain yang dibenarkan.

4️⃣ Kesan Kepada Cash Flow: Jika bayaran kemajuan dipotong untuk bon terkumpul, ia boleh mengganggu cash flow syarikat.

5️⃣ Jangan Tunggu Last Minute: Semak dokumen tender dan syarat bon lebih awal supaya ada masa memilih pilihan yang terbaik!

💡 Pilihan Cadangan: Gunakan Insurance Guarantee untuk bantu jaga kemudahan bank dan mengurus aliran tunai syarikat anda dengan lebih lancar.

📲 Nak semak kelayakan atau pilihan bon pelaksanaan yang sesuai untuk projek anda?WhatsApp Tasha (Two Degrees) sekarang: 📲 019-345 7386

19/09/2026

🏗️ Does Your Contractor All Risk Insurance Actually Match Your Construction Contract?

A policy can look complete and still leave important gaps.

For Contractor All Risk Insurance Malaysia, contractors and project owners should not compare premium alone. The insurance should also match the requirements in the Letter of Award, contract conditions, project value, project period, liability limits, maintenance requirements, and required extensions.

In our latest article, we highlight 7 costly contract gaps to check before they become a problem:

✅ Wrong insured parties
✅ Contract works sum insured too low
✅ Policy period not matching the project timeline
✅ Third-party liability limit below contract requirement
✅ Maintenance period missing or too short
✅ Required extensions not included
✅ Project scope changed but insurance was never updated

A valid policy is not always the same as a contract-compliant policy.

Read the full article here:
https://twodegrees.com.my/2026/09/19/contractor-all-risk-insurance-malaysia-contract-gaps/

Need help reviewing your CAR quotation against your construction contract? Speak to Two Degrees.

Avoid 7 costly Contractor All Risk Insurance Malaysia gaps between your construction contract and policy. Check sums insured, periods, liability and extensions.

19/09/2026

How much cash is really tied up when a business supports its Custom Bond through a bank guarantee?

For SMEs, the issue is not only compliance — it is also working capital.

In our latest article, we look at 5 practical cash flow tests covering:

• collateral impact
• liquidity pressure
• late customer payments
• operating cost stress
• total cost of guarantee

The aim is simple: understand how different guarantee structures can affect SME cash flow, and where insurance guarantee may provide an alternative option subject to approval and underwriting.

Read the full article:
https://twodegrees.com.my/2026/09/19/custom-bond-cash-flow-stress-tests/

Run 5 Custom Bond cash flow tests with an interactive calculator. Explore how a proposed insurance guarantee could preserve SME working capital in Malaysia.

17/09/2026

📌 Mesyuarat Agung Tahunan (AGM) PKMM Negeri Johor

Pada 13 September 2026, telah berlangsung Mesyuarat Agung Tahunan (AGM) Persatuan Kontraktor Melayu Malaysia (PKMM) Negeri Johor.

Tahniah dan syabas kepada seluruh barisan kepimpinan serta ahli PKMM Negeri Johor atas komitmen dalam memperkukuhkan komuniti kontraktor dan pembangunan industri pembinaan.

🤝 Two Degrees berbesar hati dapat bersama dalam menyokong usaha dan jaringan kerjasama bersama komuniti kontraktor di Malaysia.

Semoga hubungan dan kerjasama ini terus berkembang demi manfaat bersama.

Two Degrees – Your Partner in Bond & Insurance Solutions.

16/09/2026

Selamat Hari Malaysia 2026

Pada 16 September, kita meraikan keindahan sebuah negara yang terbina daripada kepelbagaian — Semenanjung, Sabah dan Sarawak, bersatu dalam satu semangat Malaysia.

Semoga kita terus menghargai perpaduan, saling menghormati, dan menjaga keharmonian yang menjadi kekuatan negara kita.

Daripada kami di Two Degrees, Selamat Hari Malaysia.

Happy Malaysia Day 2026

On 16 September, we celebrate the beauty of a nation built on diversity — Peninsular Malaysia, Sabah and Sarawak, united under one Malaysian spirit.

May we continue to value unity, respect one another, and protect the harmony that makes our country strong.

From all of us at Two Degrees, Happy Malaysia Day.

11/09/2026

🚧 MENANG TENDER KERAJAAN?

Jangan ikat modal anda! 💰

✨ Bon Pelaksanaan & Bon Wang Pendahuluan TANPA CAGARAN TUNAI

Kekalkan cash flow, gunakan modal untuk projek dan fokus siapkan kerja! 💪

📲 Hubungi Two Degrees hari ini.

Menang Projek. Kekalkan Cash Flow.
Terma & syarat dikenakan. Tertakluk kepada kelulusan.

10/09/2026

Bon Jaminan Reka Bentuk untuk projek JKR — sudah semak semua sebelum serahan?

Kesilapan kecil pada nilai bon, tempoh, format atau dokumen boleh menyebabkan proses menjadi lebih lambat daripada sepatutnya.

Dalam artikel terbaru Two Degrees, kami kongsikan 7 kesilapan mahal yang perlu dielakkan apabila menyediakan Bon Jaminan Reka Bentuk untuk projek JKR, termasuk perkara penting yang patut disemak sebelum CPC dan penyerahan dokumen.

Baca panduan penuh di sini:
https://twodegrees.com.my/2026/09/10/bon-jaminan-reka-bentuk-jkr/

Elakkan 7 kesilapan Bon Jaminan Reka Bentuk projek JKR. Semak nilai, format, tempoh dan dokumen penting sebelum CPC dengan panduan visual.