Category archive
Sarvada research, workflows, and commentary focused on claims & loss prevention.
Archive
138 published articles
Topic
Claims & Loss Prevention
Latest
October 7, 2026
Browse by topic
138 articles
Claims & Loss Prevention - May 4, 2026 - 6 min read
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
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
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
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
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 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
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
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
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
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
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
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 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
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 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 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
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
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
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
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
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
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
Claims & Loss Prevention - March 10, 2026 - 15 min read
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
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
Sarvada Intelligence
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.
