Photo of Tow Lu Lim

TL Lim is a partner in the Hong Kong office of Mayer Brown's Insurance and Reinsurance and Cybersecurity & Data Privacy practices. He heads up the Directors' & Officers' Liability and Professional Indemnity Insurance Group within the practice.

TL has extensive experience in advising insurers on coverage issues with respect to professional indemnity and Directors & Officers' claims. He has acted as defence counsel (as well as coverage counsel for insurers) on a variety of professional negligence claims against investment and asset management advisers, insurance intermediaries, property investment companies, corporate trustees, auditors, architects, engineers, solicitors and other professionals. TL also has been appointed by insurers as a legal advisor in the event of a cybersecurity breach and has conducted training and workshops with large multinational companies to increase the awareness in the event of a cybersecurity attack.

Companies affected by the Hong Kong government’s shutdown orders during the coronavirus pandemic are unlikely to win business interruption insurance or force majeure claims after a record payout in the past health crisis, experts said.

Depending on the exact wording of the policy, the triggers for coverage are that there must be the closure of