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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 - May 6, 2026 - 16 min read

Fire Incident Investigation and Insurance Implications in India

Fire incident investigation in Indian commercial insurance involves IRDAI-licensed surveyors, forensic fire investigators, and complex cause-and-origin analysis that directly determines whether a claim is paid, reduced, or repudiated. This post examines how investigations are conducted and how they shape fire insurance claim outcomes across Indian manufacturing, warehousing, and chemical facilities.

By Sarvada Editorial Team

Claims & Loss Prevention - May 5, 2026 - 14 min read

Machinery Breakdown Claims in India: Investigation, Valuation, and Repair Authorization

A step-by-step guide to managing a machinery breakdown insurance claim in India, from first notification of loss through surveyor investigation, root cause analysis, repair authorization, and final settlement, with sector-specific examples from textiles, cement, and general manufacturing.

By Sarvada Editorial Team

Claims & Loss Prevention - May 4, 2026 - 6 min read

Claims Leakage Analytics in Indian Health Insurance

Indian health insurers leak 12 to 18% of claim spend to preventable causes. Analytics has moved from pilot to operating discipline, but most insurers still capture only a fraction of the available recovery.

By Tarun Kumar Singh

Claims & Loss Prevention - May 3, 2026 - 15 min read

Cargo Damage Claims at Indian Ports: Documentation and Recovery

A practical guide to cargo damage claims arising at Indian ports including JNPT, Mundra, Chennai, Vizag, and Kolkata, covering time limits, documentation requirements, surveyor appointment, carrier liability under Hague-Visby Rules, and subrogation recovery from port operators and stevedores.

By Sarvada Editorial Team

Claims & Loss Prevention - April 30, 2026 - 17 min read

Contractor Claims on EPC Projects in India: Delay, Disruption, and Loss Assessment

EPC projects in India generate some of the most contested insurance claims in the market, spanning physical damage under CAR policies, delay-related losses under DSU/ALOP cover, and disruption claims that require contemporaneous documentation and independent delay analysis to substantiate.

By Sarvada Editorial Team

Claims & Loss Prevention - April 27, 2026 - 15 min read

Flood and Inundation Claims for Commercial Property in India

A practical guide to managing commercial property insurance claims arising from flood and inundation in India, covering the SFSP policy coverage framework, what distinguishes flood from waterlogging and subsidence, business interruption claims, stock damage assessment, and the IRDAI claims process after catastrophe events.

By Sarvada Editorial Team

Claims & Loss Prevention - April 17, 2026 - 6 min read

Deepfake Payment Fraud in India: Where Crime Insurance Stops, Cyber Insurance Starts, and CFO Controls Fail

Indian corporates are now facing payment diversion losses driven by voice cloning, fake video approvals, and compromised vendor master data, forcing a sharper reading of social engineering fraud extensions, computer crime wording, and the boundary between cyber policies, crime policies, and internal financial controls.

By Sarvada Editorial Team

Claims & Loss Prevention - April 17, 2026 - 6 min read

Survey Readiness Beyond Property Claims: Marine, Engineering, and Liability

Survey preparation is well understood for fire and property losses, but cargo, machinery, and liability claims have their own evidence rules. Here is what Indian businesses must prepare before the surveyor arrives.

By Tarun Kumar Singh

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

Concurrent Causation in Indian Claims: Marine, Property, and Engineering Policy Disputes

Proximate cause is the single most litigated doctrine in Indian insurance law. When a loss has two causes, one covered and one excluded, which governs? This post traces the doctrine from Pawsey v. Scottish Union through Indian Supreme Court rulings, applies it to marine cargo, property, and engineering disputes, and sets out wording strategies and evidence priorities.

By Sarvada Editorial Team

Claims & Loss Prevention - April 7, 2026 - 11 min read

Nat-Cat Claims Aggregation and Clash: How Multiple Perils in One Event Get Apportioned Under Indian Policies

When a monsoon cyclone brings flood, wind, and storm surge in the same 72 hours, Indian insurers and reinsurers fight over whether it is one event or three. Hours clauses, clash covers, and single-event aggregation rules decide whether you recover fully or hit limit after limit. This post unpacks the mechanics with reference to Kerala 2018, Chennai 2015, and Amphan 2020.

By Sarvada Editorial Team

Claims & Loss Prevention - April 1, 2026 - 10 min read

Fidelity Guarantee Claims in India: Employee Dishonesty, Surveyor Evidence, and Internal Audit Linkage

A technical guide to Fidelity Guarantee (FG) claims under Indian insurance law. Scope of coverage, claim triggers, required evidence standards, and the intersection with internal audit and forensic investigation.

By Sarvada Editorial Team

Claims & Loss Prevention - March 31, 2026 - 9 min read

D&O Claims Defence in India: Side A/B/C, Advance Defence Costs, and Regulatory Actions

Work through D&O claims in India. Understand Side A (non-indemnifiable to directors), Side B (company reimbursement), Side C (securities claims), SEBI investigations, MCA prosecutions, and advance defence cost provisions.

By Sarvada Editorial Team

Claims & Loss Prevention - March 30, 2026 - 11 min read

Claims Denial Defense for Indian Policyholders: Bad-Faith, Insurer Liability, and Ombudsman Escalation Playbook

When an insurer repudiates a legitimate commercial claim, Indian policyholders have stronger legal tools than most realise. This playbook walks through the five most common denial grounds, the defences available against each, and the tiered escalation path from internal grievance to Ombudsman, Consumer Forum, arbitration, and civil suit, including the evolving jurisprudence on bad-faith insurer conduct.

By Sarvada Editorial Team

Claims & Loss Prevention - March 30, 2026 - 9 min read

Professional Indemnity Claims in India: Triggers, Notification, and Defence

A practical guide to professional indemnity claims in India. Understand claims-made vs occurrence triggers, notification deadlines under Section 64UM, and defence cost structures for auditors, consultants, and IT services.

By Sarvada Editorial Team

Claims & Loss Prevention - March 29, 2026 - 8 min read

Electronic Equipment Insurance (EEI) Claims in India: All Risks Basis, Data Restoration, and Sub-Limit Traps

Electronic Equipment Insurance (EEI) claims under Indian policies: scope vs fire/burglary, data restoration costs, external media sub-limits, and common exclusions affecting servers, medical devices, and surveillance systems.

By Sarvada Editorial Team

Claims & Loss Prevention - March 25, 2026 - 10 min read

Terrorism Insurance Claims in India: IMTRIP Pool, Evidence Requirements, and Settlement Timeline

Guide to terrorism claims under the Indian Market Terrorism Risk Insurance Pool (IMTRIP) run by GIC Re. Coverage scope, policyholder evidence, retention limits, and exclusions.

By Sarvada Editorial Team

Claims & Loss Prevention - March 24, 2026 - 8 min read

Boiler & Pressure Plant Explosion Claims in India: IBR Act, Surveyor Process, and Coverage Gaps

Boiler explosion claims under Indian Boiler Regulations 1950, IBR certification, Section 64UM surveyor appointment, and how Boiler & Pressure Plant (BPP) and Machinery Breakdown (MB) policies differ in practice.

By Sarvada Editorial Team

Claims & Loss Prevention - March 24, 2026 - 9 min read

Machinery Loss of Profit (MLOP) Claims in India: Waiting Periods, Indemnity, and Capital-Intensive Industries

Machinery Loss of Profit (MLOP) claims in India: waiting periods, indemnity period structure, difference from Advance Loss of Profit (ALOP) under EAR policies, and specific claim issues in steel, cement, and power sectors.

By Sarvada Editorial Team

Claims & Loss Prevention - March 23, 2026 - 9 min read

Arbitration Clauses in Indian Insurance Disputes: When They Bind, When Ombudsman Applies

Understand arbitration in Indian insurance disputes. When arbitration clauses bind, Supreme Court rulings on coverage disputes, Insurance Ombudsman jurisdiction (INR 50 lakh), and alternatives under the Consumer Protection Act 2019.

By Sarvada Editorial Team

Claims & Loss Prevention - March 23, 2026 - 13 min read

Stock Throughput Claims in India: Marine Cargo Plus Storage, Concurrent Causation, and Sum Insured Mechanics

Understanding stock throughput (STP) policies in India. How STP policies unify marine cargo and storage coverage to eliminate port and warehouse gaps. Concurrent causation, floating sum insured, and claim scenarios.

By Sarvada Editorial Team

Claims & Loss Prevention - March 20, 2026 - 17 min read

Employment Practices Liability Claims in India: Wrongful Termination, POSH, and Discrimination Defense Economics

How employment practices liability claims actually run in Indian labour tribunals, industrial courts, and High Courts, with defense cost benchmarks per matter, notification obligations to insurers, and practical guidance on settlement versus litigation decisions for HR teams and insurance managers.

By Sarvada Editorial Team

Claims & Loss Prevention - March 19, 2026 - 13 min read

SME Business Package Claims in India: Bundled Policy Sequencing, Documentation Traps, and Pro-Rata Liability

A detailed guide to SME package policy claims in India. Multi-section triggers, claim sequencing, documentation requirements, surveyor appointment thresholds, and common denial grounds related to average clauses and fire safety breaches.

By Sarvada Editorial Team

Claims & Loss Prevention - March 19, 2026 - 19 min read

Trade Credit Insurance Claims in India: Payment Default Investigation, Receivables Verification, and Recovery Mechanics

The operational mechanics of running a trade credit insurance claim in India: notification triggers, receivables documentation, protracted default versus insolvency pathways, IBC coordination, subrogation handling, and realistic settlement timelines for domestic and export receivables.

By Sarvada Editorial Team

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

EV Battery Fire Insurance Claims in India: Emerging Patterns and Coverage Gaps

An expert analysis of how electric vehicle battery fires are creating new claims patterns in Indian commercial insurance, the role of BIS AIS-156 standards and thermal runaway science in loss adjustment, and where current motor and fire policies leave fleet operators and charging infrastructure owners exposed.

By Sarvada Editorial Team

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