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Market & Trends

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

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 6, 2026 - 3 min read

Parametric Insurance in India: From Agriculture to Commercial Applications

How parametric insurance, triggered by objective indices rather than assessed losses, is expanding from crop coverage to commercial and industrial applications in India.

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 25, 2026 - 3 min read

Reinsurance Market Trends in India: What to Watch in 2026

Key reinsurance market trends affecting Indian non-life insurers in 2026, including from GIC Re's role to global capacity shifts, pricing, and regulatory developments.

By Sarvada Editorial Team

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Market & Trends - January 20, 2026 - 16 min read

How Indian Risks Reach Lloyd's of London: The Placement Chain, Pricing Dynamics, and What It Means for Buyers

A detailed examination of how Indian commercial insurance risks are placed at Lloyd's of London, tracing the broker chain from Indian intermediary to London syndicate. Covers pricing mechanisms, capacity allocation, treaty versus facultative placement, and practical implications for Indian buyers.

By Sarvada Editorial Team

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Market & Trends - January 14, 2026 - 3 min read

SME Insurance Penetration in India: Understanding the Protection Gap

An analysis of why India's 63 million MSMEs remain severely underinsured, and what insurers can do to close the commercial insurance protection gap.

By Sarvada Editorial Team

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Market & Trends - January 9, 2026 - 15 min read

Specialty Lines Insurance in India: Growth Drivers Across D&O, Cyber, PI, and W&I

An analysis of India's specialty lines insurance segment covering Directors and Officers liability, cyber insurance, professional indemnity, and warranty and indemnity products. Covers market size estimates, growth drivers, regulatory catalysts, and how India compares with mature specialty markets.

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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