Category archive

Operations & Best Practices

Sarvada research, workflows, and commentary focused on operations & best practices.

How to Read and Negotiate an Insurance Policy Wording: A Practical Guide for Indian Buyers

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

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Operations & Best Practices - January 15, 2026 - 3 min read

Insurance Broker vs Agent in India: Choosing the Right Channel for Commercial Cover

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

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Operations & Best Practices - January 11, 2026 - 7 min read

Insurance Data Management: Building Clean Underwriting and Claims Databases in India

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

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Operations & Best Practices - January 11, 2026 - 8 min read

Managing the Insurance Renewal Cycle: A 90-Day Playbook for Indian Risk Managers

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

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Operations & Best Practices - January 9, 2026 - 3 min read

Building an Underwriting Team in India: Skills, Training, and Certification

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

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Operations & Best Practices - January 5, 2026 - 17 min read

Insurance Portfolio Optimisation for Multi-Location Indian Businesses

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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