Category archive

Insurance Products

Sarvada research, workflows, and commentary focused on insurance products.

Archive

89 published articles

Topic

Insurance Products

Latest

July 1, 2026

Browse by topic

89 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Insurance Products - May 17, 2026 - 16 min read

Marine Open Cover for Cross-Border Ecommerce D2C Exporters from India: Declaration Cycles, ICC Clauses, and Platform Liability

Cross-border ecommerce sellers from India ship tens of thousands of low-ticket consignments to international buyers annually. The marine open cover structure, with declaration cycles calibrated to high-volume low-ticket transit, the right Institute Cargo Clauses choice, and adjacencies to platform liability cover, is the appropriate insurance architecture for this distribution model.

By Sarvada Editorial Team

Read article

Insurance Products - May 16, 2026 - 19 min read

Single-Project Erection All Risks for Mega Infrastructure in India: Tower Placement, ALOP, and Monsoon DSU

For projects with capital expenditure of INR 10,000 crore or more, the standard annual EAR product is inadequate. This piece sets out how single-project EAR is structured for mega infrastructure including tower placement strategy across primary and excess layers, ALOP and DSU sublimits, marine-cum-erection integration, retroactive coverage for design risk, and monsoon-period delay-in-start-up sizing.

By Sarvada Editorial Team

Read article

Insurance Products - May 15, 2026 - 17 min read

Parametric Heat Stress Cover for Indian Workforces: WBGT Triggers, Employer Payouts, and the 2026 Market

Heat events in 2024 and 2025 cost Indian employers measurable productivity and welfare expenditure. Parametric heat-index covers are emerging as a workable instrument that pays an employer when wet-bulb globe temperature thresholds are breached, allowing welfare relief and labour cost smoothing without claims litigation. This is the structural map for brokers and underwriters.

By Sarvada Editorial Team

Read article

Insurance Products - April 28, 2026 - 15 min read

Group Personal Accident Insurance for Indian Corporates: Design and Claims

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

Read article

Insurance Products - April 24, 2026 - 5 min read

Non-Damage Business Interruption in India: Utility and Telecom Outages That Standard BI Still Does Not Catch

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

Read article

Insurance Products - April 16, 2026 - 6 min read

Delay in Start-Up Insurance in India: ALOP, DSU Triggers, and Lender Requirements for Renewable and Industrial Projects

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

Read article

Insurance Products - April 15, 2026 - 15 min read

Trade Disruption and Political Violence Insurance for Indian Multinationals: Beyond Standard Political Risk Cover

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

Read article

Insurance Products - April 14, 2026 - 17 min read

Representations and Warranties Gap Coverage: When W&I Isn't Enough for Indian Acquirers

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

Read article

Insurance Products - April 12, 2026 - 18 min read

Contingent Tax Liability Insurance in India: Covering Known Tax Positions in M&A and Restructuring

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

Read article

Insurance Products - April 10, 2026 - 15 min read

Environmental Impairment Liability Insurance in India: Gradual Pollution, Remediation Costs, and Third-Party Claims

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

Read article

Insurance Products - April 8, 2026 - 17 min read

Tax Liability Insurance for Indian M&A: Known Risk Cover, Contingent Liability, and Claim Mechanics

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

Read article

Insurance Products - April 4, 2026 - 16 min read

Warranty and Indemnity Insurance in Indian Domestic M&A: Structuring, Exclusions, and Claim Experience

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

Read article

Insurance Products - March 20, 2026 - 20 min read

Event Cancellation and Contingency Insurance in India: Weather Triggers, Non-Appearance, and Venue Liability for Organisers

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

Read article

Insurance Products - February 25, 2026 - 11 min read

Marine Hull Insurance in India: Protecting Vessels, Inland Craft, and Port Equipment

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

Read article

Insurance Products - February 24, 2026 - 12 min read

Burglary and Theft Insurance for Indian Businesses: What Every SME Owner Must Know

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

Read article

Sarvada

Use these ideas inside your underwriting workflow

See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.

Explore the platformContact the team