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Global & Cross-Border Insurance

Sarvada research, workflows, and commentary focused on global & cross-border insurance.

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28 published articles

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Global & Cross-Border Insurance

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May 6, 2026

Lead storyGlobal & Cross-Border Insurance - May 6, 2026 - 13 min read

Indian IT Companies and Cyber Liability Exposure in US and UK Jurisdictions

Indian IT services and BPO firms face materially different cyber liability exposures in US and UK markets than they do domestically, driven by CCPA, UK GDPR, SEC disclosure mandates, and MSA indemnity clauses requiring USD 5-10 million in coverage that Indian IRDAI-filed cyber products often cannot adequately satisfy.

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Sarvada Editorial Team

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28 articles

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Global & Cross-Border Insurance - May 4, 2026 - 17 min read

Multinational Programme Insurance for India-Outbound Corporates

Indian companies expanding internationally face a complex insurance architecture challenge: master policies placed in India must mesh with locally admitted policies in host countries, FEMA premium remittance rules, and admitted insurance requirements in Africa, the Middle East, and Southeast Asia that global insurance networks are still learning to navigate.

By Tarun Kumar Singh

Global & Cross-Border Insurance - May 2, 2026 - 14 min read

Political Risk Insurance for Indian Investments in Africa

Indian companies have invested over USD 75 billion across more than 50 African countries in telecom, pharma, manufacturing, and infrastructure — each exposure carrying expropriation, currency, and civil unrest risks that standard commercial insurance does not cover. This guide covers how ECGC, Lloyd's market PRI, World Bank MIGA, and GIFT City structures can protect Indian capital deployed across the continent.

By Tarun Kumar Singh

Global & Cross-Border Insurance - April 29, 2026 - 13 min read

Controlled Master Programmes for Indian Multinationals: IRDAI Compliance Issues

Indian multinationals expanding globally, and foreign multinationals operating in India, both run into the same regulatory wall: IRDAI's admitted insurance principle limits how insurance premiums can flow across borders, creating compliance gaps in globally coordinated Controlled Master Programmes. This guide explains the problem, the regulatory constraints under IRDAI and FEMA, and the practical workarounds used by major Indian conglomerates.

By Tarun Kumar Singh

Global & Cross-Border Insurance - April 26, 2026 - 16 min read

Marine War Risk Insurance for Indian Vessels in the Persian Gulf

India imports over 85% of its crude oil through the Persian Gulf and Red Sea, and Indian-owned tankers face war risk premium surcharges, JWC Listed Area restrictions, and escalating Houthi-related exposures that have reshaped the marine insurance market since late 2023. This guide covers hull war risk, P&I war extensions, CONWARTIME, GIC Re's role, and how Indian refiners manage vessel insurance in crude procurement contracts.

By Sarvada Editorial Team

Global & Cross-Border Insurance - April 20, 2026 - 5 min read

Business Travel Accident and Emergency Evacuation Cover for Indian Executives: What Global Mobility Programmes Miss

Indian companies sending directors, engineers, sales teams, and project staff abroad often assume group medical and corporate travel policies are enough, yet political evacuation, security extraction, kidnap response, and high-limit accidental death or disability exposures frequently sit outside the programme or inside narrow assistance contracts that were never negotiated for serious incidents.

By Sarvada Editorial Team

Global & Cross-Border Insurance - April 3, 2026 - 11 min read

Surety Bonds for Overseas EPC Projects: IRDAI Guidelines and Cross-Border Issuance

Surety bond requirements for Indian EPC contractors on overseas projects: bid bonds, performance bonds, advance payment bonds, and GIFT City issuance routes.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 27, 2026 - 7 min read

ECGC vs Commercial Trade Credit Insurance: Which Policy Protects Indian Exporters Best?

Compare ECGC and commercial trade credit insurers (Atradius, Coface, Euler Hermes, ICICI Lombard, Tata AIG) on scope, pricing, claim experience, and when to choose each for MSMEs and large exporters.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 21, 2026 - 9 min read

Kidnap & Ransom Insurance for Indian Expats: Protecting Executives Abroad

How Indian corporate expats and overseas workers can use Kidnap & Ransom (K&R) insurance to protect against kidnap, extortion, and wrongful detention with crisis response support.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 19, 2026 - 11 min read

War Risk Insurance for Shipping: Indian Exporters and Owners in Contested Waters

War risk coverage for Indian exporters and shipowners: JWC red-list zones, hull vs. Cargo war, 48-hour cancellation clauses, and Red Sea impact on Indian trade.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 17, 2026 - 17 min read

Indian Ports and Marine Terminal Insurance: A Practical Guide

A practical guide to insuring Indian port operations and marine terminals, covering Major Ports Authority Act obligations, IRDAI-regulated marine and property policies, Sagarmala-driven greenfield exposures, and the specific coverage architecture that port operators, terminal concessionaires, and inland container depots need to protect assets valued in hundreds of crore.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 16, 2026 - 10 min read

Cross-Border Reinsurance Cessions in India: IRDAI Regulations, GIC Re, and Foreign Reinsurers

Understand IRDAI's Order of Preference for reinsurance placements: Indian reinsurers, IIO/IFSC hubs, and cross-border reinsurers. GIC Re's statutory cession rate, FRB categorization, CBR rating requirements, and retention strategy for commercial lines.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 11, 2026 - 16 min read

Currency Risk and Its Impact on International Insurance Claims Settlements for Indian Policyholders

Currency fluctuations between the Indian rupee and foreign currencies create real financial exposure in international insurance claims. This guide explains how exchange rate movements affect reinstatement values, claims settlements, and policy adequacy, with practical hedging strategies for Indian policyholders.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 6, 2026 - 18 min read

Insuring Indian IT and GCC Operations Delivering Services to the EU Under GDPR and DORA

Indian IT companies and Global Capability Centres servicing EU clients face insurance implications from GDPR and DORA compliance requirements. This guide covers cyber insurance mandates, professional indemnity extensions, contractual liability, and how to structure coverage for EU regulatory exposure.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 4, 2026 - 13 min read

Export Credit Insurance for Indian MSMEs: A Practical Guide

How Indian MSMEs can use ECGC and private export credit insurance to protect overseas receivables, secure bank finance, and manage buyer default risk across international markets.

By Sarvada Editorial Team

Global & Cross-Border Insurance - March 1, 2026 - 15 min read

Cross-Border M&A Insurance: Warranty and Indemnity and Tax Liability Cover for Indian Acquirers

Indian companies making overseas acquisitions increasingly use warranty and indemnity (W&I) insurance to bridge the gap between seller and buyer expectations on indemnification. This guide covers W&I policy structure, tax liability insurance, pricing in the Indian context, and integration into the deal process.

By Sarvada Editorial Team

Global & Cross-Border Insurance - February 26, 2026 - 7 min read

Political Risk Insurance: Protecting Indian Investments in Emerging Markets

How Indian companies investing in Africa, Southeast Asia, and the Middle East can use political risk insurance to protect against expropriation and instability.

By Sarvada Editorial Team

Global & Cross-Border Insurance - February 14, 2026 - 7 min read

IFSCA and GIFT City: India's Emerging Hub for Global Insurance and Reinsurance

How IFSCA's regulatory framework is positioning GIFT City as India's offshore hub for global insurance, reinsurance, and captive operations.

By Sarvada Editorial Team

Global & Cross-Border Insurance - February 13, 2026 - 17 min read

How to Structure a Global Insurance Programme from India: Master-Local Policy Architecture

A step-by-step guide for Indian risk managers on structuring a global insurance programme with India as the master policy hub, covering fronting arrangements, premium allocation, claims flow, tax compliance, and DIC/DIL provisions across multiple jurisdictions.

By Sarvada Editorial Team

Global & Cross-Border Insurance - February 6, 2026 - 17 min read

Protecting Indian Seafarers and Overseas Workers: P&I, Foreign Workers' Compensation, and Employer Liability

Indian companies deploying seafarers and workers overseas face a matrix of insurance obligations spanning P&I clubs, foreign workers' compensation mandates, and employer liability under the Emigration Act. This guide covers the coverage architecture required to protect both the employer and the deployed workforce.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 29, 2026 - 17 min read

Insurance for Indian Companies Setting Up Subsidiaries in the US: Regulatory, Liability, and Workers' Comp Considerations

Indian companies establishing US subsidiaries face a complex insurance environment with state-level workers' compensation mandates, admitted carrier requirements, and liability exposures that differ dramatically from the Indian market. This guide covers regulatory requirements, essential coverages, and cost considerations.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 26, 2026 - 7 min read

Marine Insurance for International Trade: Incoterms, Open Cover, and Claims Under Indian Law

How Incoterms 2020 allocate insurance responsibility, structuring open cover for frequent shippers, and managing marine claims under Indian law.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 17, 2026 - 17 min read

Sanctions Compliance and Insurance: What Indian Exporters Must Know Before Insuring Restricted Jurisdictions

Indian exporters increasingly face sanctions-related complications when insuring shipments to or through restricted jurisdictions. This guide covers OFAC, EU, and UN sanctions regimes, their impact on marine cargo and trade credit policies, and practical compliance steps for Indian businesses.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 15, 2026 - 7 min read

Understanding Trade Credit Insurance for Indian Exporters and Manufacturers

How Indian exporters and manufacturers can protect receivables with trade credit insurance, including ECGC vs private insurers, policy types, and claims process.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 8, 2026 - 28 min read

Structuring Insurance for Indian EPC Contractors Working on Overseas Projects

A practical guide for Indian EPC companies bidding on and executing projects in Africa, Central Asia, and Southeast Asia, covering local admitted cover requirements, fronting arrangements, CAR/EAR jurisdictional gaps, OCIP/CCIP models, and how to structure insurance when the local market has limited capacity.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 7, 2026 - 7 min read

Cross-Border Insurance for Indian Companies Expanding Overseas

How Indian companies expanding overseas should structure cross-border insurance programmes covering admitted cover, global programme design, and FEMA.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 7, 2026 - 16 min read

Difference in Conditions and Difference in Limits: Closing Coverage Gaps for Indian Multinationals

Indian multinationals expanding overseas face dangerous coverage gaps between their master policy in India and local policies abroad. DIC/DIL endorsements bridge these gaps by extending broader conditions and higher limits from the master policy to jurisdictions where local cover falls short.

By Sarvada Editorial Team

Global & Cross-Border Insurance - January 3, 2026 - 31 min read

Why Indian Exporters Lose Money on Foreign Jurisdiction Claims: Lessons from the Middle East and Africa

An examination of why Indian companies with overseas operations discover that their India-placed insurance policies fail to pay claims in foreign jurisdictions, covering non-admitted policy complications in GCC countries, enforceability issues in African courts, and the gap between worldwide coverage on paper and actual claim settlement abroad.

By Sarvada Editorial Team

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