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Claims & Loss Prevention

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Claims & Loss Prevention

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July 1, 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.

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92 articles

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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.

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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.

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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.

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

Surety Bond Invocation and Recovery in India 2026: When the Bond Is Called, Who Pays First, and How the Insurer Claws It Back

When a beneficiary such as NHAI, a PSU or a project owner invokes a surety bond, the payout mechanics turn entirely on whether the bond is conditional or unconditional, and the insurer's recovery from the contractor is a separate fight altogether. This post walks the claims and recovery side of IRDAI surety insurance: on-demand exposure, the contractor indemnity agreement, personal guarantees and the unresolved recourse-rights gap that slows recovery.

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Claims & Loss Prevention - June 24, 2026 - 10 min read

Filing a Commercial Claim on Bima Sugam: The Notification and Evidence Traps Brokers Must Pre-Empt

Bima Sugam's claims module makes intimation instant and timestamped, but a one-click FNOL with thin documentation can lock a commercial claimant into an under-described loss. This piece sets out how brokers keep control of the intimation narrative and the evidence pack as claims start flowing through the portal.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 23, 2026 - 10 min read

Stranded at Hormuz: What a War-Risk Cargo Claim Actually Pays When Insurers Walk Away

Iran's blockade of the Strait of Hormuz from late February 2026 cancelled war-risk and P&I cover for Gulf transits and pushed premiums sharply higher. For Indian cargo interests with stranded shipments, recovery now turns on transit, frustration and held-covered clauses, not the war-risk certificate they assumed would respond.

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Claims & Loss Prevention - June 18, 2026 - 8 min read

The Red Sea Reopening and Indian Trade Claims in India 2026: Cargo, Contingent Business Interruption and the Disruption That Pays Nothing

As and if container shipping returns to the Red Sea, Indian exporters and importers face a transitional period of rerouting, port congestion and delay, and many assume their insurance will respond. It often will not, because cargo and contingent business interruption cover turn on physical damage that pure delay does not cause. This piece reads the reopening as a scenario and sets out where the cover bites and where it leaves the buyer exposed, whether transit normalises or the Cape diversion drags on.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 16, 2026 - 8 min read

Surveyor Appointment and Settlement Timelines in India 2026: Using the Claims Clock to Move a Large Commercial Loss

IRDAI's claims-handling framework sets out when an insurer must appoint a surveyor, when the survey report must come, and when the claim must be settled, but on a large commercial loss those clocks only work for a policyholder who knows how to start and run them. This piece turns the regulatory timelines into a practical playbook for keeping a complex claim moving.

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Claims & Loss Prevention - June 14, 2026 - 9 min read

Contractors' Plant and Machinery Claims in India 2026: Transit Damage, Theft Investigation and the Fight Over Quantum

When an excavator burns on a low-loader or a crane is stolen from a yard, the contractor's recovery is decided less by the policy schedule than by the loss investigation: the first information report, the surveyor's cause finding, the salvage, the depreciation and betterment deductions, and whether the loss is settled as a repair, a partial loss or a constructive total loss. This piece walks through how a CPM transit or theft claim is investigated and quantified, and where recoveries are won and lost.

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Claims & Loss Prevention - June 13, 2026 - 13 min read

Preparing a Large Business-Interruption Claim and the Role of Forensic Accountants in India in 2026

A large business-interruption claim turns on indemnity period, gross profit and increased cost of working, and it is settled through a quantification process where the insurer's loss adjuster and the policyholder's own claim-preparation support each build a number. This post sets out the BI claim mechanics, the documentation and evidence required, where forensic accountants fit, the disputes that recur over savings, trends and sum-insured adequacy, and how to run the process to a fair settlement.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 12, 2026 - 8 min read

When a Commercial Claim Is Disputed in India 2026: Why the Insurance Ombudsman Cannot Help You and What Can

Corporate buyers who reach for the Insurance Ombudsman when a large claim is rejected discover that it has no jurisdiction over them. This piece maps the dispute-resolution pathways actually open to commercial policyholders, from internal grievance and IRDAI's Bima Bharosa to arbitration, consumer and civil courts, and explains how to build the claim file that decides which way a dispute goes.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 11, 2026 - 14 min read

Underinsurance and the Average Clause in India 2026: Why Sound Sums Insured, Not Cheap Premiums, Decide What a Fire Claim Pays

The most common reason a large Indian fire claim pays far less than the loss is not a coverage dispute. It is the average clause biting on an underinsured sum insured. This piece explains how proportionate settlement works inside the claim, and the order in which the surveyor applies average, the deductible and the sub-limits. It also covers why declared values drift below the surveyor's day-of-loss reinstatement assessment, how the reinstatement-settlement and waiver-of-average provisions change what is actually paid, and the declared-value pitfalls that only surface at the fire.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 10, 2026 - 11 min read

Non-Disclosure and Claim Repudiation in India 2026: Materiality, Good Faith and the Insurer's Burden of Proof

An insurer cannot repudiate a claim for non-disclosure merely because the proposal form was imperfect. Indian law sets a structured test: the undisclosed fact must be material, and the insurer carries the burden of proving it. This piece sets out the principles of utmost good faith, materiality and burden of proof, the limits on repudiating for technical or immaterial non-disclosure, and how proposal-form practice, policy wording and claims defence should reflect them.

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Claims & Loss Prevention - June 10, 2026 - 16 min read

Road Transit Pilferage and Hijack Claims in India 2026: Investigation, Recovery and Loss Prevention Playbook

Goods-in-transit pilferage, theft, driver collusion and vehicle hijack drive a large share of inland cargo claims on Indian roads. This piece sets out how Marine cum Transit and road-carrier policies respond, how investigators separate pilferage from shortage and fraud, recovery against carriers under the Carriage by Road Act 2007, and a practical loss-prevention regime.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 8, 2026 - 12 min read

Combustible-Dust Explosions in Indian Pharma and Food Plants 2026: A Process-Safety and Underwriting Problem

A combustible-dust explosion is a distinct process-safety hazard for pharma-API, food-processing and chemical plants, and it triggers property, employers' liability, business-interruption and product or recall cover all at once. Anchored on the June 2025 Sigachi Industries explosion, this piece sets out dust hazard analysis, ignition control, Factories Act duties, and the loss-prevention controls underwriters check before they price the risk.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 7, 2026 - 14 min read

Container-Ship Fires, Misdeclared Dangerous Goods and Cargo Claims in India 2026: A Playbook for the Cargo Interest

Container-ship fires fed by misdeclared dangerous goods, lithium batteries, reactive chemicals and self-heating charcoal, are a growing maritime loss for Indian exporters and importers. When a fire and a general average declaration hit your cargo, the response runs through marine cargo open cover and Institute Cargo Clauses, the general average machinery of average bonds and guarantees, salvage, documentation and the time-bar, and recovery against the carrier. This is the cargo-interest playbook.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 6, 2026 - 11 min read

Denial of Access Business Interruption Claims in India 2026: When Loss Comes From the Surroundings, Not Your Premises

Some of the most disputed business interruption claims in India arise not from damage to the insured's own premises but from events nearby that block access, cut utilities or close a neighbourhood. This guide explains denial of access and the related extensions, how they are triggered, and why these claims so often turn on the precise wording.

By Sarvada Editorial Team

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