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August 16, 2026

Lead storyClaims & Loss Prevention - February 27, 2026 - 12 min read

Why Insurance Claims Get Rejected in India: Common Reasons and How to Avoid Them

Claim rejection remains one of the most contentious issues in Indian commercial insurance, with disputes often escalating to the Insurance Ombudsman or consumer forums. Understanding why claims get rejected, from non-disclosure and policy condition breaches to documentation failures, is the first step toward ensuring your legitimate claims are honoured.

By Sarvada Editorial Team

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1217 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Insurance Products - August 16, 2026 - 11 min read

Record July Exports, Last Year's Open Cover: Re-Basing Marine Turnover Declarations Mid-Term

India's merchandise exports hit a record USD 44.24 billion in July 2026, up over 19 percent. A cover that incepted earlier this year was priced on last year's turnover, with limits per sending and per location that a jump of this size quietly breaks. A practical guide to re-basing the declaration mid-term instead of waiting for renewal.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - August 15, 2026 - 10 min read

Delivery-Pace Algorithms Reach Parliament: The Liability Quick Commerce Has Not Insured

A parliamentary panel flagged rider safety in August 2026 and signalled that the algorithms setting delivery pace at Blinkit, Zepto and Instamart may face rules. That converts a motor and personal accident problem into a corporate liability problem, and most quick commerce insurance programmes are not built for it.

By Sarvada Editorial Team

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Underwriting & Risk - August 14, 2026 - 11 min read

Insuring India's AI Factories: GPU Cargo Values, Erection All Risks and DSU on a Rs 15,000 Crore Build

L&T's August 2026 order to build India's largest NVIDIA B300 AI factory with Together AI puts a construction programme reported at up to Rs 15,000 crore on the table. This piece works through what a GPU-dense build does to the marine cargo per-sending limits, the erection all risks testing extension and the delay-in-start-up sum insured, for the developers, EPC contractors and lenders pricing these deals now.

By Tarun Kumar Singh

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Risk Management Strategies - August 14, 2026 - 11 min read

Negative Solvency and a 26% Premium Surge: Treating Insurer Security as a Risk Register Item

Three public sector general insurers carry deeply negative solvency ratios against the 1.50 regulatory floor, yet one of them grew premium 26% in July 2026. A CFO should treat an aggressive quote from a capital-constrained carrier as a credit exposure, and this post sets out a five-part insurer-security test that does not depend on a rating letter.

By Tarun Kumar Singh

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AI & Insurtech - August 11, 2026 - 10 min read

GIFT City's First Incorporated Reinsurer Is a Cat-Modelling Startup: What EarthRe Adds to an Indian Nat-Cat Tower

EarthRe Insurance IFSC Limited, the reinsurance subsidiary of insurtech InRisk Labs, says it is the first incorporated reinsurer licensed by IFSCA at GIFT City. This post examines what a data-native, parametric-first reinsurer adds to an Indian nat-cat programme, and how brokers should test a model-driven quote before the 2027 renewal.

By Sarvada Editorial Team

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Industry Risk Profiles - August 11, 2026 - 11 min read

Rs 886 Crore and 260 Closed Roads in Himachal: The Covers Baddi and Kala Amb Plants Leave Out

Himachal's State Emergency Operations Centre logged Rs 886 crore of loss, 260 closed roads and 161 failed distribution transformers between 30 June and 9 August 2026. For plants in the Baddi-Barotiwala-Nalagarh belt and at Kala Amb, the exposure is rarely damage inside the fence. It is being cut off, and the four covers that respond to that are exactly the ones most placements leave out.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 10, 2026 - 10 min read

Swiss Re Corporate Solutions and Bajaj General: Testing the Claim of a Domestic International Programmes Platform

The 6 August 2026 MoU between Bajaj General Insurance and Swiss Re Corporate Solutions promises international programmes for Indian companies from a domestic balance sheet. This piece tests what that would actually deliver, what remains conditional on definitive agreements and IRDAI approval, and what a CFO should ask before waiting for it.

By Sarvada Editorial Team

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Claims & Loss Prevention - August 9, 2026 - 11 min read

44 Seafarers Held and Somali Piracy Back: Which Policy Pays, Between Cargo, Hull War Risk and Kidnap and Ransom

Somali piracy resurged through mid-2026, with 44 seafarers held and India issuing a fresh maritime security advisory on 29 July. Here is how a piracy loss actually splits across Institute Cargo Clauses (A), hull war risk and kidnap and ransom cover, and how the general average adjustment runs when a ransom is paid.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 8, 2026 - 11 min read

The Section 301 Forced-Labour Tariff: Social-Compliance Audits, Cancelled Orders and What Trade Credit Actually Pays

The US placed India in the lower 10% tier of its Section 301 forced-labour tariff in late July 2026, sparing roughly 45% of its exports to the US by value. The rate is the smaller risk. The compliance regime behind it gives US buyers a documented reason to cancel orders, invoke indemnities and hold receivables, and much of that exposure sits outside a standard trade credit policy.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 6, 2026 - 11 min read

Seven Blasts at Jebel Ali: The War and Terrorism Exclusions Sitting on Indian Stock in JAFZA

Seven explosions hit Dubai's Jebel Ali industrial area on 5 August 2026, the hub through which many Indian exporters run their Gulf and Africa distribution, and a day later the cause was still contested. What the war, terrorism and SRCC exclusions do to stock sitting in JAFZA, why the Indian terrorism pool does not reach it, and what to do in the first 72 hours.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - August 4, 2026 - 10 min read

Uber Challenges the Karnataka Gig Welfare Fee: Provisioning an Escrowed Levy While the Insurance Obligation Stays Live

Uber has challenged the constitutional validity of Karnataka's gig workers welfare law, and the High Court has extended the arrangement under which aggregators deposit the welfare fee into the Court Registry rather than the Welfare Board. The cash still leaves the platform, the benefit does not yet reach the worker, and nothing about the litigation suspends the aggregator's own insurance obligations.

By Sarvada Editorial Team

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Risk Management Strategies - August 2, 2026 - 9 min read

25% of Employees, 46% of Hospitalisation Claims: Turning Screening Participation Into a Group Mediclaim Loss-Ratio Lever

The third CII and MediBuddy report finds that employees who skip annual health checks hospitalise at roughly three times the rate of those who screen, and the quarter of the workforce that avoids screening drives nearly half of inpatient claims. This post sets out how to convert that finding into a screening-participation clause, a renewal credit an insurer will actually honour, and a follow-through programme that respects DPDP boundaries.

By Tarun Kumar Singh

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Regulation & Compliance - August 2, 2026 - 11 min read

Perpetual Registration, an Annual Fee and 31 January 2027: The Notified Intermediaries Amendment Compliance Clock

IRDAI notified the Insurance Intermediaries (Amendment) Regulations, 2026 on 31 July, making broker, corporate agent, IMF and web aggregator registrations perpetual against an annual fee. Two dates now run the clock: fresh-certificate applications by 31 January 2027, and salesperson tagging on every proposal and policy from 1 January 2027.

By Tarun Kumar Singh

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Global & Cross-Border Insurance - July 31, 2026 - 10 min read

The Joint War Committee Moved the Red Sea Line North: Jeddah, Yanbu and Indian Cargo War Cover

JWC Circular JWLA-034 of 29 July 2026 pushed the Red Sea notification line north, putting Jeddah and Yanbu inside the additional-premium zone and lifting hull war rates from 0.25% to 1% of vessel value within a day. What the listed-area mechanic means for Indian exporters shipping to Saudi Red Sea ports, and the open-cover clauses that decide who pays.

By Sarvada Editorial Team

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Insurance Products - July 30, 2026 - 10 min read

Group Cancer Cover Above a Rs 3 to 5 Lakh GMC Base: What Drop-Down Oncology Cover Buys That a Super Top-Up Does Not

Howden India has built a group cancer cover for employer plans, sitting above GMC bases that typically run Rs 3 to 5 lakh per employee. The structure pays after exhaustion, drops down where the base excludes a treatment, and includes pre-existing disease. Here is how it compares with the three alternatives an employer already has.

By Sarvada Editorial Team

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