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Claims & Loss Prevention

Sarvada research, workflows, and commentary focused on claims & loss prevention.

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Claims & Loss Prevention

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August 9, 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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111 articles

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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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Claims & Loss Prevention - July 25, 2026 - 8 min read

Seven Days or an Ex Parte Award: IRDAI's July 2026 Ombudsman Circular and How Commercial Complainants Should Use It

IRDAI's 23 July 2026 circular gives insurers 7 days to file their self-contained note with an ombudsman and directs offices to decide on the record if they miss. For proprietor-held and micro-enterprise commercial policies inside the Rs 50 lakh limit, insurer silence just became a liability for the insurer, not the complainant.

By Sarvada Editorial Team

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Claims & Loss Prevention - July 7, 2026 - 10 min read

Public Authorities Clause and Code-Upgrade Costs After a Loss in India 2026: What Insurers Pay to Rebuild to New Standards

When a damaged commercial building is rebuilt, the municipal plan officer applies the code in force on the date of reconstruction, not the code the old structure was built to, and the extra cost of compliance reads as improvement that the betterment exclusion strips out. This piece explains how the public authorities clause carves forced code-upgrade costs back into cover, what it still excludes, and how brokers and risk managers size the extension against the sub-limit before a loss rather than discovering the gap at rebuild.

By Sarvada Editorial Team

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Claims & Loss Prevention - July 1, 2026 - 7 min read

Constructive Total Loss and Notice of Abandonment in Indian Marine Claims 2026: How a Wrong Notice Turns a Total Loss Into a Partial One

A damaged or stranded consignment can qualify as a constructive total loss under the Marine Insurance Act 1963, yet still settle as a partial loss if the assured mishandles the notice of abandonment. This guide walks through when a CTL arises, the election the assured must make, the strict notice requirement under Section 62, and the procedural trap that quietly downgrades a total-loss recovery.

By Sarvada Editorial Team

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Claims & Loss Prevention - July 1, 2026 - 6 min read

Sue and Labour: Recovering Loss-Minimisation Expenses on Indian Marine and Property Claims 2026

When an insured peril strikes, the money a business spends to stop the loss getting worse is itself recoverable under the sue and labour duty and clause. This guide explains how sue and labour works as a separate head of claim, the reasonableness limit, the requirement that the peril be operative or imminent, and how poor mitigation can shrink the main recovery as well.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 30, 2026 - 6 min read

Employees' Compensation Act Claims in India 2026: Commissioner Adjudication, the Compensation Schedule and the Default Interest Trap

Settling a workplace injury or death claim under the Employees' Compensation Act 1923 runs on a statutory schedule, a Commissioner who adjudicates disputes, and a default interest plus penalty that bites employers who pay late. This post is a claims-mechanics guide for brokers placing employer's liability and workers' compensation cover for contract-labour-heavy operations, covering computation, the Commissioner's role, occupational disease and the one-month default trap.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 30, 2026 - 6 min read

No-Fault Claims Under the Public Liability Insurance Act 1991: Mandatory Cover, the Environment Relief Fund and What Hazardous-Substance Handlers Actually Pay Out

The Public Liability Insurance Act 1991 imposes strict, no-fault liability on anyone handling hazardous substances and makes liability insurance mandatory. Victims claim immediate relief without proving negligence. This post explains how the claims side works: the District Collector's role, the twin payout from the mandatory policy and the Environment Relief Fund, and why brokers must not confuse this statutory cover with voluntary public-liability programmes.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 30, 2026 - 6 min read

RSMD and SRCC Claims After Civil Unrest in India 2026: Where the Fire Add-On Ends and the Terrorism Pool Begins

When a factory is damaged by rioting, a labour strike or mob action, the claim usually settles under the RSMD add-on to the Standard Fire and Special Perils policy. But cross the line into excluded terrorism and only the Indian terrorism pool responds. This post is a claims-practice playbook for characterising the peril, building the FIR and evidence trail, holding the malicious-damage line, and answering the common repudiation grounds.

By Sarvada Editorial Team

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