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Sarvada research, workflows, and commentary focused on insurance products.
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38 published articles
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Insurance Products
Latest
May 15, 2026
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38 articles
Insurance Products - May 15, 2026 - 6 min read
Sustainability-linked insurance, where price or coverage moves with the policyholder's sustainability performance, is starting to appear in the Indian market. The economics are workable when verification is credible; the greenwashing risk is real when it is not.
By Tarun Kumar Singh
Insurance Products - May 6, 2026 - 14 min read
Business interruption insurance in India operates as a separate consequential loss policy triggered only when material damage first occurs. This guide explains indemnity period selection, gross profit basis, sum insured calculation, the average clause trap, and how Indian insurers price and settle BI claims.
By Sarvada Editorial Team
Insurance Products - May 3, 2026 - 14 min read
Directors and Officers liability insurance is no longer the exclusive preserve of NSE-listed boardrooms. Personal liability exposure under the Companies Act 2013, NCLT insolvency proceedings, and investor-driven requirements are making D&O a practical necessity for privately held Indian SMEs.
By Tarun Kumar Singh
Insurance Products - April 30, 2026 - 15 min read
India's INR 5.9 lakh crore FMCG market faces a growing web of recall triggers from BIS, CDSCO, PESO, and the Consumer Protection Act 2019. Product recall insurance bridges the gap between regulatory withdrawal orders and the substantial first-party and third-party costs that follow.
By Sarvada Editorial Team
Insurance Products - April 28, 2026 - 14 min read
Group Personal Accident insurance fills the gap between an employer's statutory Employees' Compensation Act obligations and the real-world risk of off-duty accidents affecting the workforce. This guide covers GPA policy design, capital sum insured benchmarks, occupational hazard categories, and the claims process for Indian corporate employers.
By Sarvada Editorial Team
Insurance Products - April 24, 2026 - 5 min read
Indian businesses are more digitally and utility dependent than their property programmes admit, with grid instability, telecom failures, cloud connectivity loss, and upstream service disruption causing revenue interruption without physical damage at the insured premises and exposing the narrow trigger logic of ordinary business interruption cover.
By Sarvada Editorial Team
Insurance Products - April 16, 2026 - 6 min read
Delay in Start-Up and Advance Loss of Profit cover has become central to financing Indian renewable, transmission, and industrial projects, with claim outcomes depending on critical path discipline, indemnity period sizing, debt service assumptions, and the interface between CAR or EAR damage clauses and revenue commencement tests.
By Sarvada Editorial Team
Insurance Products - April 15, 2026 - 15 min read
How trade disruption insurance (TDI) and political violence (PV) policies extend Indian multinationals beyond traditional political risk insurance, responding to strikes, riots, civil commotion, war, terrorism, and trade interruption events affecting manufacturing plants in African and Middle Eastern markets, Red Sea shipping dependence, and frontier-economy investments.
By Sarvada Editorial Team
Insurance Products - April 14, 2026 - 17 min read
W&I insurance covers most warranty risk but leaves meaningful gaps. Known issues, forward-looking reps, pension underfunding, transfer pricing, cyber incidents, environmental liability, and specific indemnity matters are typically excluded. This guide maps the gap products that Indian acquirers use alongside W&I and explains how to stack coverage into an effective transaction risk tower.
By Sarvada Editorial Team
Insurance Products - April 12, 2026 - 18 min read
How tax liability insurance (TLI) wraps identified but unresolved Indian tax positions (retrospective GAAR, transfer pricing adjustments, GST classification disputes, Section 50CA and Section 9(1)(i) exposure) in M&A and restructuring transactions, priced by specialty carriers at 3-7% of the limit with tax counsel opinion as the underwriting foundation.
By Sarvada Editorial Team
Insurance Products - April 10, 2026 - 15 min read
How dedicated environmental impairment liability (EIL) cover responds to gradual pollution, site remediation, natural resource damage, and NGT-driven third-party claims where the Public Liability Insurance Act 1991 and standard CGL pollution exclusions leave Indian chemical, pharmaceutical, and manufacturing corporates exposed.
By Sarvada Editorial Team
Insurance Products - April 8, 2026 - 17 min read
Tax liability insurance (TLI) has emerged as a distinct product alongside W&I for Indian M&A transactions. TLI covers specific tax positions and contingent tax exposures that W&I excludes. This guide explains the two TLI variants, Indian-specific triggers including GAAR, transfer pricing, and POEM, coverage components, pricing, and claim mechanics.
By Sarvada Editorial Team
Insurance Products - April 4, 2026 - 16 min read
Warranty and indemnity (W&I) insurance is no longer reserved for cross-border transactions. Indian domestic M&A deals, particularly PE exits, family succession sales, and promoter buyouts, are increasingly using W&I to separate economic closure from warranty risk. This guide covers policy structuring, retention and de minimis thresholds, pricing, carrier appetite, and Indian claim experience.
By Sarvada Editorial Team
Insurance Products - March 30, 2026 - 15 min read
How management liability policies extend beyond traditional D&O to cover employment practices liability, statutory prosecution defense, and director disqualification costs for Indian mid-market companies in the INR 100 crore to INR 5,000 crore turnover band.
By Sarvada Editorial Team
Insurance Products - March 20, 2026 - 20 min read
A practical guide to event cancellation and contingency insurance in India, covering named perils for concerts, weddings, exhibitions, and sporting events, weather and non-appearance triggers, abandonment versus postponement mechanics, pricing benchmarks, IRDAI regulatory treatment, and the reinsurance capacity available through London and Singapore markets for organisers from IPL franchises to wedding planners.
By Sarvada Editorial Team
Insurance Products - March 13, 2026 - 14 min read
An expert analysis of how green building certifications from LEED, IGBC, and GRIHA affect commercial property insurance in India, covering valuation challenges, replacement cost disputes, specialised endorsements, and the IRDAI framework for insuring sustainable buildings.
By Sarvada Editorial Team
Insurance Products - March 5, 2026 - 14 min read
A detailed guide to insuring battery energy storage systems in India, covering thermal runaway exposures, SFSP and engineering policy gaps, MNRE and IRDAI regulatory intersections, and the underwriting considerations that shape BESS programme design for developers, IPPs, and industrial offtakers.
By Sarvada Editorial Team
Insurance Products - March 4, 2026 - 14 min read
How Indian businesses can consolidate warehouse stock insurance and goods-in-transit covers into a single programme, reducing coverage gaps, lowering administrative overhead, and ensuring end-to-end protection for inventory across storage and movement phases.
By Sarvada Editorial Team
Insurance Products - February 28, 2026 - 12 min read
A rigorous guide to product liability insurance for Indian manufacturers. Covering the Consumer Protection Act 2019's liability provisions, IRDAI policy wordings, coverage triggers, and how to structure adequate limits across FMCG, automotive, and pharmaceutical sectors.
By Sarvada Editorial Team
Insurance Products - February 25, 2026 - 11 min read
While marine cargo insurance gets significant attention, marine hull insurance (covering the vessel itself) remains poorly understood in the Indian market. With India expanding its inland waterway network under Sagarmala and increasing coastal shipping capacity, hull insurance is becoming a critical coverage for vessel operators and financiers.
By Sarvada Editorial Team
Insurance Products - February 24, 2026 - 12 min read
Burglary and housebreaking insurance remains one of the most underutilised commercial covers in India, despite rising property crime in industrial zones. This guide details the standard burglary policy structure, common exclusions, claims procedures, and practical security measures that insurers look for during risk assessment.
By Sarvada Editorial Team
Insurance Products - February 23, 2026 - 10 min read
With IRDAI pushing for higher insurance penetration and rising employee expectations, group health insurance has become essential for Indian SMEs. This guide covers policy structures, regulatory requirements, tax advantages under Section 80D, and strategies for optimising coverage within tight budgets.
By Sarvada Editorial Team
Insurance Products - February 21, 2026 - 12 min read
Commercial motor and fleet insurance is critical for India's rapidly growing logistics sector, yet many fleet operators remain underinsured. This guide covers policy structures, IRDAI motor tariff changes, and risk management strategies for transport businesses.
By Sarvada Editorial Team
Insurance Products - February 18, 2026 - 8 min read
Understand CGL policy structure in India covering premises liability, operations, products/completed operations, and advertising injury with endorsements.
By Sarvada Editorial Team
Insurance Products - February 14, 2026 - 4 min read
Fire, flood, or machinery breakdown can halt production for months. Business interruption insurance covers the financial losses Indian manufacturers suffer when operations are disrupted beyond physical damage.
By Sarvada Editorial Team
Insurance Products - February 12, 2026 - 7 min read
A practical guide to inland transit insurance in India, policy types, carrier liability gaps, open transit covers, and claims procedures for domestic cargo.
By Sarvada Editorial Team
Insurance Products - February 11, 2026 - 12 min read
A full guide to fidelity guarantee insurance for Indian businesses, covering employee theft, embezzlement, forgery, and cyber-enabled fraud. Learn about policy structures, legal frameworks under the Indian Penal Code, and the claims process for commercial fidelity bonds.
By Sarvada Editorial Team
Insurance Products - February 10, 2026 - 12 min read
A thorough guide to machinery breakdown insurance in India, covering IRDAI engineering policy wordings, the distinction between MB and fire/SFSP covers, electronic equipment extensions, and regulatory requirements under the Indian Boilers Act and Factories Act.
By Sarvada Editorial Team
Insurance Products - February 9, 2026 - 3 min read
Professional indemnity insurance protects Indian consultants, architects, engineers, and advisors against claims of negligence, errors, and omissions. Here is what every professional services firm needs to know.
By Sarvada Editorial Team
Insurance Products - February 3, 2026 - 3 min read
The Employees' Compensation Act, 1923 imposes strict liability on Indian employers for workplace injuries and occupational diseases. This guide explains coverage requirements, compensation calculations, and insurance strategies.
By Sarvada Editorial Team
Insurance Products - February 2, 2026 - 7 min read
Guide to CAR policy structure in India; material damage, third-party liability, ALOP extensions, and maintenance period coverage.
By Sarvada Editorial Team
Insurance Products - January 27, 2026 - 13 min read
A wide-ranging guide to Electronic Equipment Insurance (EEI) for Indian businesses — covering IT infrastructure, data centres, medical diagnostic equipment, and process control systems, with India-specific regulatory references and practical underwriting considerations.
By Sarvada Editorial Team
Insurance Products - January 20, 2026 - 3 min read
D&O liability insurance shields directors and officers from personal financial exposure arising from regulatory actions, shareholder suits, and corporate governance failures in India.
By Sarvada Editorial Team
Insurance Products - January 18, 2026 - 8 min read
Difference between umbrella and excess liability policies, when Indian businesses need layered liability programmes, and tower placement strategies.
By Sarvada Editorial Team
Insurance Products - January 12, 2026 - 3 min read
India's infrastructure push demands effective engineering insurance. This guide explains Contractors All Risks, Erection All Risks, and Machinery Breakdown policies for Indian project stakeholders.
By Sarvada Editorial Team
Insurance Products - January 6, 2026 - 3 min read
Marine cargo insurance is indispensable for Indian exporters managing international trade routes. This guide covers policy types, claim procedures, and IRDAI regulations every exporter must understand.
By Sarvada Editorial Team
Insurance Products - January 1, 2026 - 7 min read
A practical guide to money insurance, cash-in-transit cover, employee dishonesty, and commercial crime policies for Indian businesses under IRDAI norms.
By Sarvada Editorial Team
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