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Sarvada research, workflows, and commentary focused on insurance products.
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109 published articles
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Insurance Products
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August 16, 2026
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109 articles
Insurance Products - August 16, 2026 - 11 min read
India's merchandise exports hit a record USD 44.24 billion in July 2026, up over 19 percent. A cover that incepted earlier this year was priced on last year's turnover, with limits per sending and per location that a jump of this size quietly breaks. A practical guide to re-basing the declaration mid-term instead of waiting for renewal.
By Sarvada Editorial Team
Insurance Products - July 30, 2026 - 9 min read
The Bharat Maritime Insurance Pool now writes sovereign-backed P&I with a USD 1.5 billion limit, and New India Assurance has issued the first policy to Shipping Corporation of India. Here is when it substitutes for a club entry, and what it does not yet solve.
By Sarvada Editorial Team
Insurance Products - July 30, 2026 - 10 min read
Howden India has built a group cancer cover for employer plans, sitting above GMC bases that typically run Rs 3 to 5 lakh per employee. The structure pays after exhaustion, drops down where the base excludes a treatment, and includes pre-existing disease. Here is how it compares with the three alternatives an employer already has.
By Sarvada Editorial Team
Insurance Products - July 24, 2026 - 10 min read
Recall cover is usually sold to exporters worried about foreign regulators, but an India-market food or packaged-goods brand faces its own recall exposure under the FSSAI regime, and product liability cover does not pay for it because recall costs land before anyone is injured.
By Sarvada Editorial Team
Insurance Products - July 23, 2026 - 10 min read
Legal expenses insurance pays the cost of running a dispute, including disputes where you are the claimant chasing a debt or enforcing a contract, which no liability policy touches. Here is how the cover works, why it is thin in India, and who should look at it.
By Sarvada Editorial Team
Insurance Products - July 21, 2026 - 10 min read
Every EPF-covered employer already provides a statutory death benefit through EDLI, capped at Rs 7 lakh. The EDLI-exemption route lets that same contribution buy a far larger group term life benefit, if the employer structures the sum insured, the free-cover limit and the nominations properly.
By Sarvada Editorial Team
Insurance Products - July 19, 2026 - 9 min read
A machinery breakdown policy pays to repair the failed machine, but not for the profit lost while the plant stands idle. Machinery Loss of Profits cover fills that gap, and fire-linked business interruption cannot, because a breakdown is not a fire peril.
By Sarvada Editorial Team
Insurance Products - July 18, 2026 - 9 min read
The Industrial All Risks policy inverts the named-perils logic of a Standard Fire and Special Perils cover, but it is reserved for large risks and carries higher deductibles. Here is how an Indian plant owner should decide between the two.
By Sarvada Editorial Team
Insurance Products - July 16, 2026 - 10 min read
Indemnity or fixed benefit, individual or floater, sub-limits, waiting periods, co-pay, network and the difference between a top-up and a super top-up. A map of the retail health category for the point of sales advisor, including an honest boundary around what a POSP can and cannot place.
By Sarvada Editorial Team
Insurance Products - July 15, 2026 - 10 min read
Motor is the point of sales channel's volume product and the one most often handed over without a word of explanation. What own damage covers, what third party covers, why only one of them is compulsory, and why the client who does not understand the difference at the point of sale becomes a complaint at claim time.
By Sarvada Editorial Team
Insurance Products - July 14, 2026 - 10 min read
Pure term is on the POS-Life list, but the POS version is a deliberately narrower instrument than the fully underwritten term policy a client may be shown elsewhere. What pre-underwritten actually costs the buyer, why premium paying term must equal policy term, and what to do when a proposal falls outside the envelope.
By Sarvada Editorial Team
Insurance Products - July 14, 2026 - 10 min read
Hull lines pay a broker for placement, not for renewal administration, because a single total loss reprices the whole account. The agreed-value negotiation, the war writeback, the P&I split and the reinsurance dependence that make hull brokerage economics lumpy.
By Sarvada Editorial Team
Insurance Products - July 12, 2026 - 9 min read
Surety is the one general insurance line where the underwriter is assessing a contractor's balance sheet rather than a physical risk, which makes it slow to place, narrow on capacity, and unusually dependent on what the broker brings to the file.
By Sarvada Editorial Team
Insurance Products - July 11, 2026 - 10 min read
Personal accident sits on the original non-life POS list, costs a fraction of what the household already pays for its two-wheeler, and almost nobody offers it. What the cover actually pays for, why it is not a substitute for term or health, and the four things to read in the wording before you quote.
By Sarvada Editorial Team
Insurance Products - July 9, 2026 - 9 min read
Media liability insurance covers the defamation, intellectual-property infringement and content-clearance exposures that OTT platforms, digital publishers, influencers and advertising agencies carry, a risk that sharpened once the IT Rules 2021 recast streaming and digital news as publishers and the Section 79 safe harbour narrowed.
By Sarvada Editorial Team
Insurance Products - July 8, 2026 - 8 min read
Freight forwarders liability insurance answers the errors-and-omissions, misdelivery and documentary exposures a marine cargo policy never touches. Here is how brokers should structure FFL cover for NVOCCs and multimodal operators after the Bills of Lading Act 2025 reset where title and rights of suit sit.
By Sarvada Editorial Team
Insurance Products - July 6, 2026 - 8 min read
Asset managers, AIF general partners and portfolio managers carry mis-selling, valuation-dispute and SEBI-investigation exposure that a standalone D&O policy was never built to answer. This post sets out the combined investment-management wrapper that pairs professional indemnity, D&O and regulatory-defence cover for Indian fund houses in 2026.
By Sarvada Editorial Team
Insurance Products - July 5, 2026 - 9 min read
US tariffs near 58%, a Vannamei disease shock and a projected 15 to 18% export drop have thinned the margins Indian shrimp exporters and processors hold against loss. This post maps disease-mortality pond cover, processing-plant property and business interruption, ammonia and cold-chain exposure, and the contamination and recall liability that follows Indian shrimp into export markets.
By Sarvada Editorial Team
Insurance Products - July 4, 2026 - 9 min read
Warehouse Keeper's Legal Liability is the bailee cover that answers a 3PL or WDRA-registered warehouse's legal liability for customers' stored goods, the gap left by fire, burglary and goods-in-transit policies that only protect the operator's own stock.
By Sarvada Editorial Team
Insurance Products - July 3, 2026 - 9 min read
How brokers should structure cover for e-bus concessionaires and charge-point operators under the PM E-Drive gross-cost-contract model, covering depot fire aggregation, fleet OPEX motor cover, and third-party charge-point liability.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
The Bankers Indemnity Policy, also known as the Bankers Blanket Bond, is the core fidelity-crime cover for financial institutions, yet its clause-by-clause structure and its limits on electronic fraud catch many buyers out. This guide walks through the insuring-clause architecture, the employee-collusion proof problem, the cyber sub-limit gap, and how the product applies to NBFCs and fintechs facing rising digital-payment fraud.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Carrier's Legal Liability insurance protects the road transporter, not the cargo owner, against claims for goods lost or damaged in transit. This post explains how the cover sits against the Carriage by Road Act 2007, why the ten-times-freight limit and declared-value mechanics decide what gets paid, how fire, explosion and accident triggers work, and where 3PLs and fleet operators are quietly under-insured.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Integrators and contract farmers running layer, broiler and dairy operations face concentrated mortality risk from disease and weather, yet the policies meant to cover it are full of conditions that decide whether a claim pays. This post sets out how poultry and livestock mortality cover is built, the valuation-table and 80% indemnity mechanics, where the government subsidy applies, and the disease exclusions and underwriting conditions that leave commercial-scale operators exposed.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 7 min read
Cold-chain operators often assume their stock is covered when their refrigeration plant breaks down, but spoilage cover is a separate engineering product with strict preconditions. This guide explains Deterioration of Stock insurance, why it depends on an underlying Machinery Breakdown policy, the standby-power conditions behind the FOES extension, and where vaccine and pharmaceutical stock leaves operators exposed.
By Sarvada Editorial Team
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