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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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July 1, 2026

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92 articles

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Claims & Loss Prevention - June 6, 2026 - 15 min read

Warehouse Rack Collapse and Stored-Stock Claims in India 2026: Cause, Quantum, Salvage and Subrogation

Pallet-racking and stack collapse is a distinct and growing warehouse loss in India, driven by overloading, forklift impact, poor racking design and installation, and seismic exposure. This post sets out how rack-collapse claims differ from fire claims: investigating the cause, quantifying and segregating damaged stock, salvage, business interruption from rack downtime, subrogation against installers and operators, the role of racking standards, and how property and stock policies and sums insured respond.

By Sarvada Editorial Team

Claims & Loss Prevention - June 4, 2026 - 14 min read

Subsidence and Ground Movement Claims on Indian Commercial Property 2026: A Wordings-Led Claims Playbook

Subsidence, ground heave and landslip claims on commercial property are rising with monsoon intensity, excavation-adjacent construction and building on soft and reclaimed soils. This post sets out how the Standard Fire and Special Perils policy treats subsidence and landslide, the STFI versus subsidence distinction, the proximate-cause and gradual-versus-sudden disputes that decide these claims, the geotechnical and surveyor work that evidences them, and a practical loss-prevention and claims playbook.

By Sarvada Editorial Team

Claims & Loss Prevention - June 3, 2026 - 28 min read

Marine Hull General Average Claims India 2026: York-Antwerp Rules and Salvage Apportionment

Indian shipowners (SCI, Great Eastern, Essar Ports, coastal operators) face complex GA and salvage settlements in 2026. This guide covers York-Antwerp Rules 2016, salvage apportionment, average adjuster practice and IG Club coordination.

By Sarvada Editorial Team

Claims & Loss Prevention - May 31, 2026 - 26 min read

Third-Party Liability Judgement Trends India 2026: MAC Tribunals, Public and Product Liability

Indian third-party liability quantum is rising fast across MAC tribunals, public liability and product liability. This 2026 analysis covers Supreme Court multiplier doctrine, PLI Act FY2026-27 limits and reinsurer capacity reactions.

By Sarvada Editorial Team

Claims & Loss Prevention - May 29, 2026 - 25 min read

Cyber Incident Multi-Policy Claim Coordination for Indian Corporates 2026: Cyber, D&O, Crime, BI and PI Interaction

A single cyber incident at an Indian corporate now triggers claim notifications across cyber, D&O, crime, business interruption and professional indemnity policies. Coordinating these claims through CERT-In reporting timelines, DPDP Act exposure and IRDAI cyber wordings is the new claims discipline for FY2026-27.

By Sarvada Editorial Team

Claims & Loss Prevention - May 28, 2026 - 25 min read

Consequential Loss Claim Quantification India 2026: Gross Profit and Forensic Accounting

Indian consequential loss settlements are tightly contested. This 2026 guide covers gross profit basis, standing charges, indemnity periods, IIISLA surveyor practice and forensic-accounting workflows at ICICI Lombard, HDFC Ergo, Bajaj Allianz.

By Sarvada Editorial Team

Claims & Loss Prevention - May 28, 2026 - 25 min read

Large Property Claim Quantum Disputes in India 2026: Reinstatement Value Battles, Average Clause Triggers and Surveyor Defence

Reinstatement value challenges, average clause invocation and surveyor methodology disputes are driving the largest property claim disagreements in India through 2026. Indian corporates need a structured quantum defence playbook combining IRDAI surveyor scrutiny, IIISLA tariff awareness and forensic accounting before the surveyor sets foot on site.

By Sarvada Editorial Team

Claims & Loss Prevention - May 27, 2026 - 25 min read

Employee Benefit Claim Fraud in India 2026: Group Health Schemes, TPA Discipline, and Insurer Recoveries

A practitioner's guide to fraud in Indian group health insurance schemes, covering prevalent fraud patterns from impersonation to ghost hospitalisations, TPA monitoring and NHCX integration, IRDAI Health Insurance Regulations 2016 fraud clauses, insurer SIU investigations, IPC and BNS criminal exposure, and recovery routes from criminal complaint to deduction-from-renewal.

By Sarvada Editorial Team

Claims & Loss Prevention - May 27, 2026 - 22 min read

Cyber Incident Response Coordination with Insurance Programmes India 2026: Vendor Panels, Timeline, and Privilege

A coordination playbook for Indian cyber incidents from hour 0 to hour 72, covering insurer panel forensic providers, breach coach engagement, CERT-In 6-hour notification, DPDP Act discipline, contract-of-engagement under privilege, claim cooperation language, and ransomware payment authorisation.

By Sarvada Editorial Team

Claims & Loss Prevention - May 27, 2026 - 22 min read

Marine Cargo Claim Documentation for Indian Importers and Exporters 2026: From Survey Note to Settlement

A documentation playbook for marine cargo claims in India, covering the bill of lading and shipping documents required at intimation, IIISLA surveyor protocols, time-bar discipline under Hague-Visby and the Indian Limitation Act, particular average vs general average, subrogation packet preparation, and the recurring deficiencies that drag settlements to deep discounts.

By Sarvada Editorial Team

Claims & Loss Prevention - May 27, 2026 - 22 min read

Liability Claim Defence Strategy for Indian Corporates 2026: Coordinated Insurer-Defence-Counsel Engagement

A practitioner's guide to defending third-party liability claims under Indian commercial liability programmes, covering notice-and-cooperation clauses, panel-counsel vs independent counsel selection, reservation-of-rights letters, settlement-authority dynamics, consumer-forum and civil-court tactics, mediation under CPC Order X, and claims-made vs occurrence trigger battles.

By Sarvada Editorial Team

Claims & Loss Prevention - May 27, 2026 - 20 min read

Property Claim Reserving Techniques for Indian Commercial Insurers 2026: From Surveyor Estimate to Case Reserve

Property claim reserving moves through FNOL provisional reserve, interim surveyor estimate, MFL and PML ratchet logic, case-by-case versus portfolio reserve, and IBNR overlay. This guide unpacks the Indian commercial reserving framework under IRDAI 2016 Regulations as updated through 2022, with IAS 37 and IFRS 17 corporate mirror, reinsurance recovery impact, and claim leakage tracking.

By Sarvada Editorial Team

Claims & Loss Prevention - May 24, 2026 - 22 min read

Catastrophe Claim Surge Staffing Models in India: 2026 Practitioner Guide

A practitioner's guide to catastrophe claim surge management in Indian commercial insurance, covering lessons from the 2024 Cyclone Fengal Chennai flooding and Wayanad landslides, panel surveyor capacity gaps, IRDAI event-response and fast-track handling, broker SLA renegotiation during cat events, and internal triage protocols.

By Sarvada Editorial Team

Claims & Loss Prevention - May 23, 2026 - 18 min read

Subrogation Recovery on Commercial Claims in India: 2026 Practitioner Guide

A practitioner's guide to subrogation recovery on Indian commercial insurance claims in 2026, covering the doctrine and statutory basis, recovery economics, evidence preservation, third-party identification, litigation strategy, and the operating practices that separate insurers with strong recovery functions from those that leave money uncollected.

By Tarun Kumar Singh

Claims & Loss Prevention - May 23, 2026 - 22 min read

Cargo Claim Time-Bar Litigation in India: 2026 Practitioner Guide

A practitioner's guide to time-bar discipline on Indian cargo claims, covering Carriage by Road Act 2007 notice periods, Multimodal Transportation of Goods Act 1993 limitations, Hague-Visby sea limitations, subrogation against carriers, how Indian courts treat time-bar defences, and the broker actions in the first 30 days that preserve recovery.

By Sarvada Editorial Team

Claims & Loss Prevention - May 22, 2026 - 22 min read

Business Interruption Claim Quantification in India: 2026 Practitioner Guide

A practitioner's guide to business interruption loss adjustment under the standard Indian fire wording, covering indemnity period selection, gross profit versus net profit basis, ICAI forensic accounting standards, but-for methodology, increased cost of working sub-limits, and the broker checklist when a forensic accountant is brought in.

By Sarvada Editorial Team

Claims & Loss Prevention - May 21, 2026 - 18 min read

Fire Claim Investigation Protocols for Large Commercial Losses in India: 2026 Practitioner Guide

A practitioner's guide to fire claim investigation on large Indian commercial losses, covering surveyor appointment under the IRDAI Insurance Surveyors and Loss Assessors Regulations 2015 (as amended), joint-survey practice on losses above INR 1 crore, forensic chain of custody, IIB cause-of-loss data, and the broker tactics that move interim findings towards a fair settlement.

By Sarvada Editorial Team

Claims & Loss Prevention - May 18, 2026 - 15 min read

Reinsurance Recoveries on Domestic Treaty Claims: The Cedant Side and the Broker's Role

A cedant-side examination of reinsurance recovery on Indian domestic treaty claims, covering claim notification, the GIC Re recovery cycle, treaty wording disputes, settlement-on-account, and the role of the reinsurance broker in moving recoveries through the system.

By Sarvada Editorial Team

Claims & Loss Prevention - May 17, 2026 - 16 min read

Surveyor Independence Under IRDAI Regulations: Licensing, Panel Rotation, and Conflict Disclosure

An examination of the independence regime for IRDAI-licensed surveyors and loss assessors under the 2015 regulations, covering licensing categories, panel rotation, fee structures, conflict-of-interest disclosure, and the gap between regulatory design and field practice in Indian commercial claims.

By Sarvada Editorial Team

Claims & Loss Prevention - May 16, 2026 - 18 min read

TPA Governance for Commercial Health: A Board-Level Playbook for Indian Corporates

How Indian corporate boards and HR risk committees should govern Third Party Administrators handling group health programmes, covering IRDAI TPA regulations, oversight committees, SLA scorecards, conflict-of-interest controls, and the levers that change actual member experience.

By Sarvada Editorial Team

Claims & Loss Prevention - May 15, 2026 - 16 min read

AI Video Surveillance for Industrial Loss Prevention India

AI-powered CCTV analytics can reduce losses at Indian factories by turning passive cameras into real-time detection. This post covers what the technology detects, how the loss reduction actually works, how insurers can price the evidence, and DPDP Act compliance for workplace video monitoring.

By Sarvada Editorial Team

Claims & Loss Prevention - May 15, 2026 - 14 min read

Climate and Natural Catastrophe Claims Trends in India: 2025 Data

2025 was another record year for Indian nat cat losses. This post covers insured loss data from 2025 cyclones, floods, and heatwaves, the protection gap, claims settlement challenges, and what the data signals for 2026-27 reinsurance pricing.

By Sarvada Editorial Team

Claims & Loss Prevention - May 15, 2026 - 17 min read

Monsoon 2026 Commercial Claims Playbook: A Broker's Guide for Indian Risk Managers

A date-anchored playbook for Indian commercial brokers preparing clients for the 2026 monsoon: pre-monsoon documentation, FNOL discipline during peak weeks, surveyor scheduling under load, and substantiation patterns learned from 2023-2025 monsoon losses.

By Sarvada Editorial Team

Claims & Loss Prevention - May 13, 2026 - 8 min read

Fraud Risks in Indian Cashless Healthcare Ecosystems

The IRDAI's cashless-everywhere mandate has scaled access dramatically. It has also opened fraud vectors that were less profitable when reimbursement flows dominated. Insurers, TPAs, and hospital networks now share an enforcement problem none can solve alone.

By Tarun Kumar Singh

Sarvada

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