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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 - March 10, 2026 - 15 min read

Contingent Business Interruption Claims in India: When Your Supplier's Loss Becomes Your Financial Crisis

How contingent business interruption coverage works in Indian commercial insurance, including trigger conditions, documentation requirements for proving supplier dependency, loss quantification methodology, common disputes between policyholders and insurers, and practical scenarios from Indian manufacturing and supply chain contexts.

By Sarvada Editorial Team

Claims & Loss Prevention - March 5, 2026 - 15 min read

Fire Sprinkler Systems and Insurance Premium Discounts: What Indian Businesses Actually Save

A detailed guide to how automatic fire sprinkler systems affect commercial insurance premiums in India, covering IRDAI tariff provisions, BIS standards for sprinkler design, NBC fire safety norms, insurer discount structures, and the real-world economics of sprinkler installation for premium reduction.

By Sarvada Editorial Team

Claims & Loss Prevention - March 2, 2026 - 17 min read

Construction Defect Claims in India: Latent Defects, Completed Operations Liability, and Warranty Periods

A guide to construction defect claims in Indian insurance, covering the distinction between latent and patent defects, completed operations liability under CGL policies, RERA warranty obligations, the defect liability period in construction contracts, and the insurance coverage options available to contractors and developers.

By Sarvada Editorial Team

Claims & Loss Prevention - February 22, 2026 - 15 min read

Supply Chain Insurance Gaps: Why Indian Manufacturers Are Exposed

Identifies the most common supply chain insurance gaps that leave Indian manufacturers exposed at claim time (from uninsured supplier premises and inland transit lapses to cold chain coverage gaps and contingent business interruption deficiencies) with a practical audit checklist.

By Sarvada Editorial Team

Claims & Loss Prevention - February 22, 2026 - 15 min read

Third-Party Claims Management for Indian Commercial Policyholders

A practical guide for Indian businesses on managing third-party liability claims under commercial policies — covering claims cooperation obligations, insurer-controlled defence, Motor Vehicles Act tribunal procedures, public liability incident response, and the complex interplay between criminal proceedings and insurance recovery.

By Sarvada Editorial Team

Claims & Loss Prevention - February 16, 2026 - 4 min read

Monsoon and Flood Claims: A Preparation Guide for Indian Businesses

India's monsoon season brings predictable but devastating flood risks to businesses nationwide. This preparation guide covers pre-monsoon risk mitigation, documentation readiness, and strategies to expedite flood insurance claims.

By Sarvada Editorial Team

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

Product Recall Claims in India: Trigger Mechanisms, Cost Categories, and Insurer Expectations

A detailed guide to product recall claims in Indian commercial insurance, covering regulatory triggers under FSSAI and BIS, voluntary versus mandatory recalls, the cost categories covered by recall insurance, documentation requirements, and what insurers expect from policyholders during a recall event.

By Sarvada Editorial Team

Claims & Loss Prevention - February 7, 2026 - 4 min read

Fire Loss Prevention for Indian Industrial Facilities

Industrial fires cost Indian businesses thousands of crores annually. This guide covers fire risk assessment, prevention measures, and insurance implications specific to Indian manufacturing and industrial facilities.

By Sarvada Editorial Team

Claims & Loss Prevention - February 5, 2026 - 7 min read

Cyber Incident Response and Insurance Claims: A Playbook for Indian Businesses

A step-by-step guide from detecting a cyber breach to filing and settling a cyber insurance claim in India, covering DPDP Act compliance and CERT-In rules.

By Sarvada Editorial Team

Claims & Loss Prevention - January 31, 2026 - 4 min read

Subrogation and Recovery: How Indian Insurers Recoup Losses

Subrogation allows insurers to recover claim payouts from negligent third parties. Explore how subrogation works under Indian law, its impact on commercial policyholders, and why it matters for your business's claims experience.

By Sarvada Editorial Team

Claims & Loss Prevention - January 30, 2026 - 16 min read

Salvage and Recovery in Indian Commercial Insurance: Maximising Claim Value

A detailed guide to salvage rights and recovery processes in Indian commercial claims. Covering insurer salvage entitlements post-settlement, marine abandonment and constructive total loss under the Marine Insurance Act 1963, salvage sale procedures and auction protocols, scrap value disputes, and policyholder obligations for preserving damaged property.

By Sarvada Editorial Team

Claims & Loss Prevention - January 21, 2026 - 8 min read

Liability Claims Defence in India: From Incident to Court. What Policyholders Must Know

A step-by-step guide to defending commercial liability claims in India, from incident reporting through legal proceedings, with tips to preserve coverage.

By Sarvada Editorial Team

Claims & Loss Prevention - January 21, 2026 - 4 min read

The Role of Surveyors in Indian Commercial Insurance Claims

Licensed surveyors are the linchpin of commercial claim settlements in India. Understand how surveyors operate, what powers IRDAI grants them, and how businesses can work effectively with them to ensure fair claim outcomes.

By Sarvada Editorial Team

Claims & Loss Prevention - January 20, 2026 - 16 min read

Earthquake Insurance Claims in India: Settlement Challenges and Best Practices

A practical guide to managing earthquake insurance claims in India, covering notification protocols during catastrophe events, mass survey coordination, earthquake deductible methodology, structural damage assessment, the 72-hour occurrence clause, and lessons from Bhuj 2001, Sikkim 2011, and Nepal 2015 border-area claims.

By Sarvada Editorial Team

Claims & Loss Prevention - January 16, 2026 - 7 min read

Business Interruption Claims Calculation in India: Indemnity Period, Gross Profit, and Common Disputes

A technical deep-look at BI claims calculation under Indian commercial policies. Gross profit definition, indemnity period, savings clauses, and disputes.

By Sarvada Editorial Team

Claims & Loss Prevention - January 16, 2026 - 7 min read

Preventing and Managing Machinery Breakdown Losses in Indian Manufacturing

Preventive maintenance strategies, condition monitoring, and machinery breakdown insurance alignment to reduce industrial losses in Indian manufacturing.

By Sarvada Editorial Team

Claims & Loss Prevention - January 13, 2026 - 7 min read

Marine Cargo Claims in India: Survey, Documentation, and Settlement Best Practices

A practical guide to marine cargo claims in India: joint survey protocols, documentation under Institute Cargo Clauses, and settlement best practices.

By Sarvada Editorial Team

Claims & Loss Prevention - January 7, 2026 - 3 min read

Insurance Claim Documentation: Best Practices for Indian Businesses

Proper claim documentation can mean the difference between a full settlement and a protracted dispute. Learn the essential documentation practices every Indian business should follow to ensure smooth commercial insurance claims.

By Sarvada Editorial Team

Claims & Loss Prevention - January 1, 2026 - 14 min read

Disaster Recovery Cost Insurance: What Indian Policies Actually Cover After a Major Loss

A detailed examination of what costs Indian commercial policies actually reimburse after a major disaster, from debris removal sub-limits and architect fees to expediting expenses and temporary premises costs, and where policyholder expectations diverge from policy wording.

By Sarvada Editorial Team

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