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Market & Trends

Sarvada research, workflows, and commentary focused on market & trends.

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88 published articles

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Market & Trends

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July 2, 2026

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88 articles

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

Market & Trends - March 7, 2026 - 14 min read

Underwriting Profit Sustainability for Indian Non-Life Insurers: Combined Ratios, Pricing Discipline, and Long-Term Viability

A deep analysis of underwriting profitability in India's non-life insurance sector, examining why combined ratios have historically hovered near or above 100%, how pricing cycles and IRDAI de-tariffing have shaped loss experience, and what structural changes are needed for Indian general insurers to sustain underwriting profits rather than relying on investment income to mask technical losses.

By Sarvada Editorial Team

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Market & Trends - February 28, 2026 - 13 min read

Commercial Insurance Pricing in India: How Premiums Are Really Calculated

A in-depth review into how commercial insurance premiums are actually calculated in India, from the tariff era to detariffed pricing, burning cost analysis, experience rating, catastrophe loading, reinsurer influence, GST impact, and market cycle dynamics. Practical guidance for insurance buyers and underwriters handling premium negotiations.

By Sarvada Editorial Team

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Market & Trends - February 17, 2026 - 15 min read

ESG and Insurance: How Sustainability Mandates Are Reshaping Indian Underwriting

A wide-ranging analysis of how ESG (Environmental, Social, Governance) factors are transforming Indian commercial insurance underwriting. Covering SEBI's BRSR framework, IRDAI's climate risk guidance, carbon-intensive industry surcharges, green building premium credits, ESG-adjusted underwriting scores, and the tension between sustainability mandates and portfolio profitability.

By Sarvada Editorial Team

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Market & Trends - February 12, 2026 - 17 min read

Agriculture Insurance Beyond PMFBY: Commercial Crop and Agribusiness Coverage

A complete examination of commercial agriculture insurance beyond PMFBY: covering cold chain and food processing facility risks, agri-commodity transit insurance, greenhouse and polyhouse coverage, aquaculture insurance, and parametric weather derivatives for large Indian agribusinesses. Addresses monsoon variability, fragmented supply chains, moral hazard in crop valuation, and the regulatory framework under IRDAI, NABARD, and the WDRA Act 2007.

By Sarvada Editorial Team

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Market & Trends - February 3, 2026 - 15 min read

The Mid-Market Insurance Gap: Why Indian Companies Between 100-500 Crore Revenue Are Underserved

An examination of why Indian companies with revenues between INR 100-500 crore fall into an insurance coverage gap, too large for standardised SME products but too small for dedicated corporate broker attention. Covers the structural causes, real-world consequences, and what an adequate mid-market programme should include.

By Sarvada Editorial Team

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Market & Trends - January 2, 2026 - 14 min read

India's Liability Insurance Market: Growth Drivers and Emerging Risks in 2026

An in-depth analysis of India's rapidly expanding liability insurance segment. Examining how CPA 2019, ESG mandates, SEBI governance norms, and rising litigation awareness are driving growth across D&O, professional indemnity, product liability, public liability, and cyber liability lines, and why India's liability penetration still lags global benchmarks.

By Sarvada Editorial Team

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