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Market & Trends
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October 8, 2026
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149 articles
Market & Trends - October 8, 2026 - 7 min read
September's 6% industry growth masks 12.4% growth at multiline insurers and a fall in crop premium. What the H1 FY27 numbers mean for commercial buyers heading into the October to March renewal season.
By Sarvada Editorial Team
Market & Trends - October 7, 2026 - 9 min read
Moody's finds 86 percent of reinsurance buyers expect property prices to fall again in 2027, and casualty outside the US is now softening too. AM Best's 7 October affirmation of GIC Re shows a strong balance sheet with unprofitable underwriting. Here is how much of the softening an Indian property or liability buyer can expect at the April 2027 renewal.
By Sarvada Editorial Team
Market & Trends - October 7, 2026 - 10 min read
IBAI has written to the Finance Minister, the RBI will send its own comments, and IRDAI's chairman has named 1 January or 1 April 2027 as possible start dates. Here is what is likely to change before the commission caps are final, and how buyers should plan the renewals in between.
By Sarvada Editorial Team
Market & Trends - October 4, 2026 - 8 min read
IRDAI's draft caps commission on property and engineering risks above Rs 2,500 crore at 5% for distribution entities and 5.5% for agents. Here is what that means for broker economics, rates and the service scope written into broker mandates.
By Sarvada Editorial Team
Market & Trends - September 28, 2026 - 9 min read
The merged InsuranceDekho and RenewBuy entity wants an advisor in every one of India's 6.5 lakh villages, selling motor, health, life and corporate insurance. Three of those four are POS products. The fourth runs into a licensing wall long before it runs into a distribution one.
By Sarvada Editorial Team
Market & Trends - September 20, 2026 - 11 min read
Fitch is holding a deteriorating outlook on global reinsurance for 2027, Aon put reinsurer capital at a record USD 800 billion and expects property rate declines around 10 per cent at 1 January, and Fitch describes a controlled descent that is increasingly differentiated by cedent. India's treaty year turns on 1 April, so Indian cedents see the January outcome three months before they have to trade on it.
By Sarvada Editorial Team
Market & Trends - September 17, 2026 - 9 min read
Two remuneration proposals are live at IRDAI. The trail shift has been argued to death. Effort-linked pay has not, and it is the harder one, because effort has to be evidenced, audited and disputed before anyone gets paid.
By Sarvada Editorial Team
Market & Trends - September 9, 2026 - 10 min read
Fitch, AM Best and Moody's all read the 2027 reinsurance cycle the same way: more price falls, record capital, and terms that keep loosening. For an Indian buyer facing a 1 April 2027 renewal, the discount is the perishable win and the contract language is the one that lasts.
By Sarvada Editorial Team
Market & Trends - September 9, 2026 - 11 min read
Over three days in early September 2026, the Department of Financial Services told the six public sector insurers to adopt an EASE-style framework and to monitor performance through a standardised KPI set reviewed quarterly, with an explicit instruction to bring down the incurred claim ratio. If PSU capacity leads your fire, marine or group programme, read that as a renewal forecast rather than a governance story.
By Sarvada Editorial Team
Market & Trends - September 3, 2026 - 10 min read
BCG put Indian general insurance at Rs 3.36 lakh crore in FY26 and reported a stated pivot from growth to underwriting profit. For a commercial buyer that is a cycle turn announced in advance, and it changes what to lock, what to leave annual, and what to restructure.
By Sarvada Editorial Team
Market & Trends - September 2, 2026 - 9 min read
PB Fintech's Q1 FY27 slides showed a 92 per cent PAT surge with AI credited for its insurtech lead, in the same fortnight its regulatory position was described as an unresolved fight and a life insurer CEO restated that agents remain central to distribution. What that cost structure means for a one-person advisory practice.
By Sarvada Editorial Team
Market & Trends - September 2, 2026 - 10 min read
The Insurance Brokers Regulations cap all non-promoter investors at 25% of a broker's paid-up equity, while SEBI requires 25% minimum public shareholding. That arithmetic, not appetite, is why no Indian broker trades on an exchange.
By Sarvada Editorial Team
Market & Trends - August 29, 2026 - 9 min read
New India Assurance grew gross premium 2.9 per cent in Q1 FY27, against 9 per cent industry growth in FY26, and posted a net loss of Rs 256.77 crore on a combined ratio of 121.44 per cent. If a PSU insurer leads your property or liability programme, that changes renewal appetite, large-claim authorisation speed and the case for reducing the leader's share.
By Sarvada Editorial Team
Market & Trends - August 28, 2026 - 9 min read
July 2026 segment data moves brokerage revenue faster than it moves the market. A fire-weighted book can lose double digits in a year the industry still grows 5.7 percent. The arithmetic, and what to do with it before FY27 budgets close.
By Sarvada Editorial Team
Market & Trends - August 21, 2026 - 9 min read
On 20 August 2026 Jefferies initiated coverage on Turtlemint Fintech with a Buy and a Rs 190 target, built explicitly on a POSP distribution growth thesis. The stock moved 5 to 6%. For a mid-size broker running its own POSP book, the interesting number is not the target price. It is what the market is now implicitly paying per advisor.
By Sarvada Editorial Team
Market & Trends - August 20, 2026 - 9 min read
Marsh's Q2 2026 index put IMEA property rates down 19% and the regional composite down 16%, the steepest fall of any region, while Aon's read of the same quarter shows marine war, marine P&I, aviation and terrorism and political violence tightening. The Indian corporate renewing into this market needs two strategies, not one.
By Sarvada Editorial Team
Market & Trends - August 19, 2026 - 9 min read
Willis Re's 18 August 2026 agreement to acquire BMS Re's US business removes another independent platform from the reinsurance broking market. Indian cedants feel this indirectly, through placement panels, capacity routes, and conflict screening. Here is what to ask before the next renewal.
By Sarvada Editorial Team
Market & Trends - August 19, 2026 - 9 min read
The CCI has approved Prudential's acquisition of a 75% stake in Bharti Life Insurance, one of the first large control deals under the 100% FDI regime. Here is what an ownership change at your insurer actually does to underwriting authority, reinsurance security, claims handling, and long-tail placements, and the questions to ask before renewal.
By Sarvada Editorial Team
Market & Trends - August 17, 2026 - 9 min read
Fire premium dropped 28 percent in Q1 FY27 while insurers were absorbing large fire losses, and IRDAI wrote to CEOs about discounts of up to 99 percent off benchmark rates. A property buyer renewing in October should run three pieces of arithmetic before taking the cheapest quote on the table.
By Sarvada Editorial Team
Market & Trends - August 13, 2026 - 9 min read
July's 10.5% industry growth hides a mix shift: health and motor are carrying the market while the fire book contracts and the market leader runs a 121% combined ratio. What that means for how a commercial buyer should build a renewal panel now.
By Sarvada Editorial Team
Market & Trends - August 1, 2026 - 9 min read
IRDAI's 29 July 2026 release named what June's licence confirmation could not: ProTec General is the fourth registration of 2026, and two existing insurers have taken foreign shareholding past 74%. What the named capacity pipeline means for commercial placements.
By Sarvada Editorial Team
Market & Trends - July 24, 2026 - 8 min read
The premium is negotiated once a year; the TPA is experienced every day an employee needs care. A buyer's framework for evaluating a group-health administrator: network fit, cashless speed, NHCX readiness, MIS, float discipline, fees, and the red flags that predict a bad year.
By Sarvada Editorial Team
Market & Trends - July 24, 2026 - 7 min read
Large Indian groups increasingly place their own insurance through group-owned broking licences to recapture brokerage on huge premium volumes. The economics, the IRDAI boundaries that apply equally, what it does to independent brokers, and when it actually makes sense.
By Sarvada Editorial Team
Market & Trends - July 23, 2026 - 6 min read
Employer group health can go to a standalone health insurer or a multiline general insurer. They behave differently where a group programme lives or dies: network, underwriting, claims model, add-ons, and the one cross-line advantage only a GI has.
By Sarvada Editorial Team
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