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Risk Management Strategies

Sarvada research, workflows, and commentary focused on risk management strategies.

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Risk Management Strategies

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September 27, 2026

Lead storyRisk Management Strategies - September 27, 2026 - 11 min read

The Licence Was Cancelled in 2024 and the Plant Kept Running: Licence-Currency Checks as an Insurance Control

A Kaushambi firecracker unit whose explosives licence was cancelled in 2024 kept operating until an August 2026 blast killed eleven people, eight of them children. Indian buyers of hazardous-process supply inherit that exposure through product and vicarious liability, and GSTIN and PAN onboarding never checks whether a vendor is still permitted to operate.

By Tarun Kumar Singh

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124 articles

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

Risk Management Strategies - September 15, 2026 - 10 min read

Standardised Hospital Rates and Universal NHCX: Reading the 28 August Health Sub-Committee for FY28 GMC

The third meeting of the IRDAI Insurance Advisory Committee sub-committee on health insurance put standardised hospital treatment rates and universal NHCX integration on the table. Both proposals hit a corporate group mediclaim programme where it hurts, and a benefits team can build for them at this year's renewal rather than waiting for a circular.

By Tarun Kumar Singh

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Risk Management Strategies - September 12, 2026 - 11 min read

576 Workers and a Flooded Tunnel: EAR, DSU and Employer's Liability for Indian Contractors in the Himalaya

The 26 August flood damaged 13 Nepali hydropower projects, crippled 281 MW of installed capacity and left about 900 hydropower workers missing. For Indian EPC contractors, lessors and manpower suppliers, three wordings get tested at once: the EAR flood peril, the DSU trigger and employer's liability on a foreign site.

By Tarun Kumar Singh

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Risk Management Strategies - September 6, 2026 - 11 min read

India Could Reach a Fifth of the World's Smartphone Output: Three Owners, One Accumulation, Nobody Adding It Up

Apple began iPhone 18 Pro production in India in August 2026 and one estimate puts India at a fifth of global smartphone output within one to two years. The exposure that creates sits at single addresses in Tamil Nadu and Karnataka, split across an EMS contractor's property programme, a brand's contingent business interruption cover and an Indian insurer's per-location accumulation, with nobody adding the three together.

By Tarun Kumar Singh

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Risk Management Strategies - September 1, 2026 - 10 min read

Your Insurer Just Changed Hands: The Magma Approval and the 5 Per Cent Trigger

IRDAI approved the Patanjali-led acquisition of Magma General Insurance by letter dated 28 July 2026 and, the same week, cleared amended regulations requiring prior approval at 5%, 10%, 25%, 50% and 75% shareholding. This is the buyer-side response: what changes on an in-force programme, what the policyholder funds bar covers, and the questions to put to a broker.

By Tarun Kumar Singh

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Risk Management Strategies - August 31, 2026 - 11 min read

The Market Can Put Up $15 Billion for a Data Centre. Buying It May Be the Wrong Move.

Willis told data centre owners in July 2026 that the market can assemble roughly US$15 billion for a single large-scale risk, and that many buyers are already holding more capacity than their quantified exposure justifies. For Indian AI campus developers, that turns limit setting into a modelling question rather than a term-sheet question.

By Tarun Kumar Singh

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Risk Management Strategies - August 29, 2026 - 10 min read

India's Crude Imports Just Hit a Conflict-Era Low. What That Does to Downstream Business Interruption

Indian crude imports are estimated at 4.17 million bpd for August 2026, the lowest since the Iran conflict began, as Russian barrels thin out. The financial exposure sits downstream with petrochemical, plastics, lubricant, city-gas and bitumen buyers, and most corporate insurance programmes do not respond to a run cut caused by sourcing rather than fire.

By Tarun Kumar Singh

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Risk Management Strategies - August 27, 2026 - 9 min read

Bajaj Auto's Ransomware Disclosure and the OT Gap in Indian Manufacturing Cyber Policies

Bajaj Auto's June 2026 ransomware incident, reported to CERT-In and following a breach at Tata Electronics, has put manufacturing cyber resilience back in focus. Most Indian cyber wordings were drafted for data loss, and the definition of computer system, the waiting period and the notification condition decide what a manufacturer actually recovers.

By Tarun Kumar Singh

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Risk Management Strategies - August 20, 2026 - 9 min read

Tamil Nadu's 365-Day Maternity Leave: Payroll Cost, Insurance Cost, and Which One Your GMC Actually Carries

Tamil Nadu's 18 August 2026 order gives women government employees 365 days of maternity leave for a third child, and private-sector HR teams are already being asked to match it. Before answering, an employer needs to separate the two cost streams maternity actually creates: paid leave, which is payroll, and delivery expenses, which sit inside the group mediclaim policy under their own sub-limits and conditions.

By Tarun Kumar Singh

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Risk Management Strategies - August 19, 2026 - 9 min read

The Quietest Catastrophe Half-Year Since 2020 Is the Worst Moment to Cut Your Cat Limits

Swiss Re Institute put global insured nat-cat losses at US$42 billion in H1 2026, the lowest first half since 2020. But 58% of annual insured catastrophe losses historically fall in the second half, and India's own exposure window (late monsoon, Bay of Bengal cyclones, north-east monsoon) sits inside it. This post explains why a benign first half plus a softening market tempts corporates into trimming nat-cat sub-limits at exactly the wrong point, and how to stress-test limits before October.

By Tarun Kumar Singh

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Risk Management Strategies - August 17, 2026 - 10 min read

Nine Years Under an Administrator, Then a One-Line Order: What the Sahara India Life File Teaches About Insurer Failure

On 17 August 2026 IRDAI cancelled the appointment of the Administrator who had run Sahara India Life since 2017, closing the clearest worked example on the Indian public record of a regulator managing a failing insurer for nearly a decade. The timeline is a counterparty lesson every buyer of long-tail commercial cover should study.

By Tarun Kumar Singh

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