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Sarvada research, workflows, and commentary focused on operations & best practices.
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34 published articles
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Operations & Best Practices
Latest
May 7, 2026
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34 articles
Operations & Best Practices - May 7, 2026 - 14 min read
Risk managers and legal teams reviewing commercial contracts in India must assess indemnity clauses, waiver of subrogation requirements, additional insured endorsements, and minimum insurance specifications; each carries distinct implications under Indian law and IRDAI-filed policy wordings that differ sharply from US and UK templates.
By Tarun Kumar Singh
Operations & Best Practices - May 6, 2026 - 14 min read
Insurance integration is consistently the last item addressed in Indian M&A post-close checklists and the source of costly coverage gaps. This guide covers the first 90 days priority list, policy assignment and novation, change of control endorsements, and the transition from dual programmes to a unified structure.
By Sarvada Editorial Team
Operations & Best Practices - May 6, 2026 - 14 min read
Corporate risk managers in India need live portfolio-level visibility into open claims, reserves, and settlement timelines rather than quarterly insurer reports. This guide covers what a claims dashboard must show, how to source the data, and how to set measurable KPIs against IRDAI-mandated settlement timelines.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 12 min read
Large Indian enterprises collect hundreds of COIs annually from vendors, contractors, and tenants. Without a systematic tracking process, deficient COIs create uninsured vendor gaps and contractual breaches that only surface at claim time.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 11 min read
Most Indian companies renew insurance without knowing whether their premium rate is above or below the market. Benchmarking gives risk managers the data to challenge renewal pricing with evidence rather than assertion.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 15 min read
A practical guide for Indian risk managers on building a risk register suited to mid-market companies and systematically mapping identified risks to insurance coverage, retention, or mitigation, closing the gap between what appears on the register and what the insurance programme actually covers.
By Tarun Kumar Singh
Operations & Best Practices - May 2, 2026 - 14 min read
Large industrial risks in India (oil refineries, power plants, airports, and nuclear facilities) that exceed any single insurer's capacity and are placed through co-insurance pools and lead-follow structures governed by IRDAI regulations, with specialised pools covering oil, aviation, terrorism, and nuclear liability.
By Tarun Kumar Singh
Operations & Best Practices - April 29, 2026 - 14 min read
When a major fire hits an Indian industrial facility, the quality of a risk manager's response in the first 72 hours determines how the claim settles months later. This guide covers immediate site actions, IRDAI surveyor timelines, documentation hierarchy, stock valuation disputes, and how to negotiate with surveyors and escalate to the IRDAI ombudsman.
By Sarvada Editorial Team
Operations & Best Practices - April 28, 2026 - 5 min read
Operational resilience has moved from a banking concept to an IRDAI expectation for insurance brokers, corporate agents, and TPAs. The framework is more demanding than business continuity but less prescriptive than regulators in the UK or Singapore.
By Tarun Kumar Singh
Operations & Best Practices - April 28, 2026 - 11 min read
Buy-side W&I insurance has become a standard tool in Indian PE transactions above INR 200 crore, allowing founders to receive clean exits while protecting buyers against undisclosed warranty breaches. This post covers deal structuring, exclusions specific to India, IBC interactions, retrotax coverage, and GIFT City offshore structuring.
By Tarun Kumar Singh
Operations & Best Practices - April 23, 2026 - 5 min read
Large Indian property claims are often weakened in the first seventy-two hours by poor site preservation, fragmented financial evidence, and unstructured communication with surveyors, even when coverage is broadly available, making disciplined pre-loss readiness one of the highest-ROI claims investments for risk managers.
By Tarun Kumar Singh
Operations & Best Practices - April 11, 2026 - 15 min read
Insurance due diligence is often compressed into a two-week exercise at the tail end of a PE transaction, yet it drives purchase price adjustments, W&I exclusions, and post-closing carry. This practical checklist walks through the six workstreams of insurance DD for an Indian target: policy inventory, coverage adequacy, risk bowtie, claims forensics, W&I carve-outs, and post-closing tasks.
By Tarun Kumar Singh
Operations & Best Practices - March 16, 2026 - 14 min read
A practical framework for evaluating insurance broker performance in India, covering IRDAI licensing verification, claims advocacy metrics, service-level KPIs, renewal management discipline, and the scoring methodology that separates high-performing brokers from transactional intermediaries.
By Tarun Kumar Singh
Operations & Best Practices - March 14, 2026 - 16 min read
How Indian companies can align their risk-based internal audit frameworks with insurance programme design, using the Companies Act 2013, SEBI LODR, and IRDAI requirements to close coverage gaps, reduce premium leakage, and build auditable evidence trails that strengthen claims outcomes.
By Tarun Kumar Singh
Operations & Best Practices - March 12, 2026 - 17 min read
A step-by-step guide to running a broker request for proposal (RFP) for commercial insurance in India, covering evaluation criteria beyond price, timeline planning, technical vs commercial scoring, common mistakes that companies make, and IRDAI broker licensing verification requirements.
By Tarun Kumar Singh
Operations & Best Practices - March 9, 2026 - 16 min read
A detailed analysis of how Indian factories can quantify the return on investment from loss prevention engineering programmes, covering fire protection, electrical safety, structural assessments, and machinery safeguarding, with real-world cost-benefit frameworks tied to IRDAI premium credits, Factories Act compliance, and BIS standards.
By Tarun Kumar Singh
Operations & Best Practices - March 5, 2026 - 15 min read
A practical guide for risk managers on how internal auditors review insurance programmes at Indian enterprises, covering common audit findings such as coverage gaps, expired policies, and inadequate sum insured declarations, with a detailed audit preparation checklist and strategies for addressing findings proactively.
By Tarun Kumar Singh
Operations & Best Practices - February 28, 2026 - 17 min read
A practical guide to aligning business continuity plans with insurance programmes for Indian enterprises. Covers indemnity period selection for BI policies, disaster recovery cost coverage, supply chain contingency endorsements, crisis communication costs, alternate premises coverage, and a BCP-to-insurance mapping framework referencing IRDAI guidelines, ISO 22301, SEBI risk management requirements, and RBI's BCP directives.
By Tarun Kumar Singh
Operations & Best Practices - February 26, 2026 - 12 min read
Deductibles, excess, and franchise clauses are among the most misunderstood elements of commercial insurance policies in India. Getting them wrong can mean paying too much premium or facing unexpected out-of-pocket costs at claims time. This guide explains the different structures, when each applies, and strategies for optimising deductible levels to balance premium savings against retained risk.
By Tarun Kumar Singh
Operations & Best Practices - February 21, 2026 - 17 min read
A practical guide to building an insurance management information system for Indian risk managers, covering the key metrics to track (premium spend, claims ratio, broker performance), dashboard design principles, how data-driven insights improve renewal negotiation outcomes, and the tools and templates that work in the Indian commercial insurance context.
By Tarun Kumar Singh
Operations & Best Practices - February 16, 2026 - 15 min read
A full guide for Indian principal employers and project owners on structuring insurance requirements for vendors, subcontractors, and service providers. Covering contractual liability clauses, certificate of insurance verification, additional insured endorsements, waiver of subrogation, and hold-harmless agreements under Indian law.
By Tarun Kumar Singh
Operations & Best Practices - February 13, 2026 - 3 min read
Risk engineering surveys are the backbone of informed commercial underwriting. This guide covers survey types, execution standards, and how to translate survey findings into better risk selection and pricing.
By Tarun Kumar Singh
Operations & Best Practices - February 6, 2026 - 14 min read
A practical guide to the key performance indicators Indian risk managers should track across their insurance programme: covering total cost of risk, claims ratios, coverage adequacy, broker performance, renewal competitiveness, and uninsured exposure analysis, with benchmark ranges for Indian commercial portfolios and board reporting frameworks aligned with IRDAI, Companies Act 2013, and SEBI LODR requirements.
By Tarun Kumar Singh
Operations & Best Practices - February 3, 2026 - 8 min read
Step-by-step guide to identifying coverage gaps by mapping business risks against existing policies, with checklists for property, liability, and specialty lines.
By Tarun Kumar Singh
Operations & Best Practices - February 1, 2026 - 7 min read
How insurance brokers add value through claims advocacy, from documentation support to insurer negotiation and dispute resolution under Indian regulations.
By Tarun Kumar Singh
Operations & Best Practices - January 31, 2026 - 3 min read
Manual policy issuance processes cost Indian insurers time, money, and customer satisfaction. Here is how digital workflows can transform policy administration from days to minutes.
By Tarun Kumar Singh
Operations & Best Practices - January 30, 2026 - 7 min read
How Indian employers and insurers should evaluate, onboard, and manage TPAs for group health, including SLA frameworks, cashless networks, and IRDAI TPA regulations.
By Tarun Kumar Singh
Operations & Best Practices - January 24, 2026 - 15 min read
A practical guide for Indian commercial policyholders and brokers on interpreting insurance policy wordings — covering recitals, operative clauses, conditions precedent, exclusion schedules, endorsements, and negotiation strategies at placement stage, with references to Indian Contract Act 1872, IRDAI standardised wordings, and key Supreme Court judgments.
By Tarun Kumar Singh
Operations & Best Practices - January 15, 2026 - 3 min read
Should your business work with an insurance broker or agent for commercial cover? Understand the regulatory differences, service models, and practical considerations for Indian businesses.
By Tarun Kumar Singh
Operations & Best Practices - January 11, 2026 - 7 min read
How Indian insurers can build clean underwriting and claims databases to power analytics, AI adoption, and regulatory compliance with IRDAI standards.
By Tarun Kumar Singh
Operations & Best Practices - January 11, 2026 - 8 min read
A step-by-step 90-day renewal roadmap covering data gathering, market sounding, negotiation, binding, and post-placement review for Indian businesses.
By Tarun Kumar Singh
Operations & Best Practices - January 9, 2026 - 3 min read
Recruiting and developing skilled underwriters is a persistent challenge for Indian insurers. Here is a practical framework for building a high-performing commercial underwriting team.
By Tarun Kumar Singh
Operations & Best Practices - January 5, 2026 - 17 min read
A practical framework for CFOs and risk managers on structuring insurance portfolios across multiple Indian locations; covering market agreement policies vs. Floaters, co-insurance mechanics, deductible strategies, renewal management, and sum insured allocation under IRDAI guidelines and GST considerations.
By Tarun Kumar Singh
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