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Sarvada research, workflows, and commentary focused on industry risk profiles.
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95 published articles
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Industry Risk Profiles
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July 2, 2026
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95 articles
Industry Risk Profiles - May 5, 2026 - 10 min read
India's 8,600 cold storage facilities face a distinct set of engineering, fire, and perishable goods risks that require a layered insurance programme. This guide maps out every policy a cold storage operator needs and the underwriting factors that drive premiums.
By Sarvada Editorial Team
Industry Risk Profiles - May 4, 2026 - 9 min read
With over 11 GW of rooftop solar capacity installed in India by end-2025, commercial and industrial property owners face new insurance questions: does the existing fire policy cover the panels, and what happens when a faulty inverter sets the building on fire? This guide answers both.
By Sarvada Editorial Team
Industry Risk Profiles - May 1, 2026 - 10 min read
India's 3PL market, estimated at INR 2.1 lakh crore by 2025, carries complex liability exposures across warehousing, road transport, and last-mile delivery. This guide maps out the full insurance programme a 3PL provider needs and explains where coverage gaps most often arise.
By Sarvada Editorial Team
Industry Risk Profiles - April 29, 2026 - 10 min read
India is among the world's top five destinations for clinical trials, with over 250 trials registered annually under CDSCO oversight. This guide explains the mandatory insurance requirements, coverage structure, and premium benchmarks for sponsors, CROs, and investigator sites.
By Sarvada Editorial Team
Industry Risk Profiles - April 28, 2026 - 13 min read
India's four listed REITs hold over INR 1.5 lakh crore of commercial real estate across 90 million sq ft. This post maps the insurance programme structure, SEBI regulatory requirements, and coverage priorities for REIT managers, trustees, and unitholders.
By Sarvada Editorial Team
Industry Risk Profiles - April 22, 2026 - 5 min read
India's battery recycling and e-waste processing sector now sits at the crossroads of hazardous materials regulation, extended producer responsibility, warehouse fire severity, and informal collection-chain exposure, creating insurance needs that are materially different from both ordinary manufacturing and ordinary waste handling.
By Sarvada Editorial Team
Industry Risk Profiles - April 13, 2026 - 12 min read
An underwriting analysis of emerging cooling technology risks in Indian data centres across Mumbai, Chennai, Hyderabad, and Navi Mumbai. Covers single-phase and two-phase immersion cooling, direct-to-chip liquid cooling, fire suppression compatibility, cyber-physical OT risks, and how Indian insurers are repricing EEI and M&BD coverage for GPU-dense hyperscale builds.
By Sarvada Editorial Team
Industry Risk Profiles - April 13, 2026 - 12 min read
An underwriting review of India's defence manufacturing insurance market under Atmanirbhar Bharat. Covers Explosives Act 1884 and PESO licensing, SCOMET and ITAR extraterritorial exposure, DPP 2020 offset liability, military product liability, test range third-party cover, and how Indian insurers front Lloyd's and the London market for capacity on OFB successor entities and private players including Tata, L&T, Adani, Mahindra, Bharat Forge, and Reliance Defence.
By Sarvada Editorial Team
Industry Risk Profiles - April 11, 2026 - 11 min read
A detailed look at insurance for India's INR 100,000 crore medical device manufacturing sector. Covers CDSCO risk classification under the Medical Devices Rules 2017, ISO 13485 and 14971 alignment, product liability and recall structures for Class C and Class D devices, clinical trial cover under the New Drugs and Clinical Trials Rules 2019, sterilisation and cleanroom property exposure, extraterritorial exposure to FDA, EU MDR and UKCA, and premium benchmarks for mid-market Indian manufacturers.
By Sarvada Editorial Team
Industry Risk Profiles - April 9, 2026 - 12 min read
A practical guide to underwriting green hydrogen projects in India under the National Green Hydrogen Mission. Covers electrolyser stack risk across alkaline, PEM and SOEC technologies, high-pressure and liquid hydrogen storage perils, PESO regulatory requirements, transportation liability, and the product structures Indian insurers and reinsurers must design for INR 500 to 5,000 crore hydrogen hubs at Kakinada, Paradip and Thoothukudi.
By Sarvada Editorial Team
Industry Risk Profiles - April 8, 2026 - 11 min read
Insurance for Indian tower operators and telecom equipment covering tower collapse, diesel theft, battery burglary, and multi-operator co-location liability under TRAI infrastructure-sharing mandates.
By Sarvada Editorial Team
Industry Risk Profiles - April 7, 2026 - 5 min read
India's plastics and polymer processing industry, concentrated in clusters like Daman, Vapi, and the NCR region, faces distinct fire, machinery, and product liability exposures. From high-calorific-value polymer pellets and extruder fire hazards to food-contact plastic regulations and BIS toy-safety standards, underwriters must work through complex material science, regulatory compliance, and emerging waste management rules.
By Sarvada Editorial Team
Industry Risk Profiles - April 7, 2026 - 9 min read
Insurance coverage for Indian printing and flexible-packaging manufacturers including ink and solvent fire risk, web-offset press machinery breakdown, product recall from food-contact packaging migrants, and cluster risks in Sivakasi.
By Sarvada Editorial Team
Industry Risk Profiles - April 1, 2026 - 6 min read
India's gems and jewellery sector faces unique risks from burglary, armed robbery, and in-transit loss. Jewellers Block policies, angadia networks, and PMLA compliance are critical for insurers and businesses across Surat, Mumbai SEEPZ, BKC, and the Bharat Diamond Bourse.
By Sarvada Editorial Team
Industry Risk Profiles - March 31, 2026 - 9 min read
Insurance requirements for Indian dairy cooperatives and private dairies including cold-chain logistics, milk adulteration liability, FSSAI compliance, refrigeration equipment breakdown, boiler risk in processing plants, and power outage business interruption.
By Sarvada Editorial Team
Industry Risk Profiles - March 27, 2026 - 9 min read
Critical insurance gaps in Indian FMCG distribution networks spanning mother depots, CFAs, wholesalers, and retail points, including depot fire, in-transit spoilage, SKU concentration risk, and contamination recall liability.
By Sarvada Editorial Team
Industry Risk Profiles - March 26, 2026 - 9 min read
Insurance for Indian airport operators, ground handlers, and cargo terminals covering fire, third-party liability, and operational risks at concession-managed facilities.
By Sarvada Editorial Team
Industry Risk Profiles - March 25, 2026 - 6 min read
India's 700+ sugar mills, concentrated in Uttar Pradesh, Maharashtra, and Karnataka, face seasonal crushing peaks (October-April) with acute fire risk from bagasse (sugarcane fiber) piles, boiler explosions in aging steam-generation equipment, and molasses storage collapse. Co-operative vs. Private-mill insurance patterns differ sharply; contingent business-interruption for cane-price arrears is increasingly critical.
By Sarvada Editorial Team
Industry Risk Profiles - March 21, 2026 - 7 min read
Indian glass manufacturers face critical losses from furnace failures (glass-tank lifespan 10-15 years), cullet breakage, automotive safety-glass defects (IS 2553), and energy-cost volatility. Engineering insurance and product-liability coverage are essential for Saint-Gobain, Asahi, HNG, Borosil, and Tier-2 producers.
By Sarvada Editorial Team
Industry Risk Profiles - March 21, 2026 - 6 min read
India's paper and pulp mills, operated by integrated majors (JK Paper, ITC, Century) and regional producers, face critical exposures from high-pressure recovery boilers burning black liquor, chemical-recovery explosive potential, heavy machinery (paper machines, digesters), and environmental liability under CPCB BOD/COD norms. Underwriting demands detailed process knowledge and IBR (Indian Boiler Regulations) compliance verification.
By Sarvada Editorial Team
Industry Risk Profiles - March 18, 2026 - 13 min read
An expert-level analysis of insurance risks facing India's downstream oil and gas sector, covering refinery fire and explosion exposures, petrochemical process hazards, PNGRB and PESO regulatory requirements, business interruption triggers unique to continuous process plants, and the specialized policy structures used by IOCL, BPCL, HPCL, and private-sector refiners.
By Sarvada Editorial Team
Industry Risk Profiles - March 13, 2026 - 15 min read
A practical guide to medical professional indemnity in India covering Consumer Protection Act 2019 service-deficiency triggers, NCDRC and SCDRC award trends, teleconsultation exposures under the Telemedicine Practice Guidelines 2020, claims-made versus occurrence policy design, and defense strategy drawing on Jacob Mathew and V Kishan Rao precedent.
By Sarvada Editorial Team
Industry Risk Profiles - March 12, 2026 - 12 min read
An expert analysis of the insurance challenges facing India's semiconductor fabrication ambitions under the India Semiconductor Mission, covering cleanroom perils, ultra-high asset concentrations, supply chain fragility, IP liability, environmental exposures, and how Indian insurers and IRDAI must adapt product design to underwrite a sector with no domestic loss history.
By Sarvada Editorial Team
Industry Risk Profiles - March 9, 2026 - 14 min read
A detailed analysis of insurance risks embedded in Indian renewable energy PPAs, covering solar and wind project exposures from construction through operations, SECI and state discom offtake structures, revenue protection, and the IRDAI-regulated policy frameworks that underwriters and developers need to understand.
By Sarvada Editorial Team
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