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Sarvada research, workflows, and commentary focused on risk management strategies.
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96 published articles
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Risk Management Strategies
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July 24, 2026
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96 articles
Risk Management Strategies - July 23, 2026 - 8 min read
Most companies choose an insurance broker once and review the decision only when something breaks. A structured process for selecting or re-appointing a broker: when to run an RFP, what to put in the brief, how to evaluate on more than price, and how to manage the transition without dropping a claim.
By Tarun Kumar Singh
Risk Management Strategies - July 21, 2026 - 9 min read
Most corporate buyers assess an insurer's strength once, at empanelment, and never again until something goes wrong. A framework for monitoring carrier financial strength between renewals, using a single noisy quarter to show how to separate a one-off charge from structural deterioration.
By Tarun Kumar Singh
Risk Management Strategies - July 19, 2026 - 9 min read
By the time a fire happens in a leased premises, who pays for what has already been decided, not by the insurance policy but by the lease signed years earlier. How commercial leases allocate insurance risk between landlord and tenant, and the gaps that surface when the allocation was never read.
By Tarun Kumar Singh
Risk Management Strategies - July 18, 2026 - 9 min read
A soft market tempts buyers to lock today's low property rate for two or three years. Sometimes that is the right call and sometimes it is a rate lock in name only. A decision framework for tenure: where multi-year cover genuinely fits, what the insurer's reinsurance constraint does to the promise, and the clauses that decide whether the lock holds.
By Tarun Kumar Singh
Risk Management Strategies - July 17, 2026 - 10 min read
A broking firm's largest insurer relationship is also its largest unmeasured exposure. How to measure revenue concentration with HHI and the effective counterparty count, cross-tabulate it across insurer, client and line, test substitutability, size the scenarios that actually happen, and set a tolerance the board can hold.
By Tarun Kumar Singh
Risk Management Strategies - July 9, 2026 - 9 min read
A National Natural Catastrophe Risk Insurance Pool is in active design, but no statutory mandate exists yet. This is a decision memo on whether corporate risk managers should lock STFI, earthquake and parametric cover now or wait.
By Tarun Kumar Singh
Risk Management Strategies - July 6, 2026 - 9 min read
The RBI (Project Finance) Directions, 2025, effective 1 October 2025, reshape the insurance covenants a corporate borrower must satisfy, from builder's-risk and DSU cover aligned to an extended DCCO to mortgagee-interest and agreed-bank-clause obligations that gate every disbursement.
By Tarun Kumar Singh
Risk Management Strategies - July 5, 2026 - 10 min read
A quantification-first method for Indian boards to translate DPDP penalty exposure, business interruption, and incident-response cost into a defensible cyber insurance limit and retention using loss-exceedance and FAIR-style modelling.
By Tarun Kumar Singh
Risk Management Strategies - July 4, 2026 - 10 min read
A working method for Indian risk managers to size D&O, public and product liability limits: exposure-based scenarios, peer benchmarking, US and EU loadings, and how to design an excess tower that holds under a severe 2026 award.
By Tarun Kumar Singh
Risk Management Strategies - July 3, 2026 - 9 min read
The May 2025 India-Pakistan escalation exposed how war, marine-war and aviation-war exclusions cut across property, cargo, hull and aviation covers. A cross-line gap audit for Indian CFOs on what the terrorism pool misses and where buy-backs actually exist.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 5 min read
Per-claim deductibles do not protect a balance sheet against a bad year of many small losses. This post sets out how annual aggregate deductibles and aggregate stop-loss caps convert frequency volatility into a known maximum retained spend, how an aggregating specific deductible interacts with a per-event retention, and where these structures fit for Indian risk managers running fleet, multi-location property and general liability exposures.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 6 min read
As group-health claims inflation outpaces salary budgets, large Indian employers and global capability centres are asking whether to keep buying fully insured cover or to self-fund the predictable layer and reinsure the volatility. This post sets out the risk-financing mechanics of an employee-benefit captive, the difference between specific and aggregate stop-loss, the pooling options that make self-funding safer below the largest scale, and the multi-year governance the route demands.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 6 min read
When an Indian plant, metro line or power project finishes, the most dangerous moment for its insurance is the seam between the construction policy and the operational programme. Mismatched testing-and-commissioning definitions, an unclear point of transfer and an overlooked maintenance period can leave a finished asset uninsured on the very day it starts earning. This post sets out the handover mechanics and a checklist to keep cover continuous from commissioning into operations.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 6 min read
After fire-rate de-tariffing and burning-cost repricing, an Indian manufacturer can no longer assume a soft tariff will hold its property premium down. Discounts now have to be earned through engineering. This post explains the Highly Protected Risk standard, what fire-resistive construction, dedicated fire-water, automatic protection, housekeeping and management commitment actually require, and how reaching that standard converts capex into structural property-premium savings and better terms.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 6 min read
A mall tenant, multiplex or destination-retail store can lose weeks of revenue when a neighbouring anchor or attraction is damaged, even though its own premises are untouched. Standard business-interruption cover, which responds only to damage at the insured's own property, misses this entirely. This post explains loss-of-attraction and leader-property extensions, the emerging non-damage variant, and how Indian retail and real-estate risk managers should scope the sub-limits and indemnity periods.
By Tarun Kumar Singh
Risk Management Strategies - June 29, 2026 - 6 min read
Contaminated Product Insurance pays far more than the cost of pulled stock. It funds the recall logistics, the testing bill, the legal exposure, the lost trading and the crisis-management work that decides whether a brand survives a tampering scare. This post explains what the filed Indian wording covers, how the malicious-tampering trigger works, and how F&B and pharma risk managers should fit a crisis retainer into their strategy.
By Tarun Kumar Singh
Risk Management Strategies - June 25, 2026 - 10 min read
Mid-market firms priced out of a single-parent captive by the Rs 100 crore capital floor still have an alternative risk transfer route through group and pooled structures. This post sets out the homogeneity, governance and loss-experience conditions under which pooling actually lowers total cost of risk, and when it does not.
By Tarun Kumar Singh
Risk Management Strategies - June 24, 2026 - 10 min read
BRSR Core's phased rollout reaches the top 1,000 listed companies in FY2026-27, with value-chain assurance now mandatory. Once climate metrics sit inside assured, regulated filings, an inaccurate transition plan stops being a reputational issue and becomes enforcement exposure. This piece maps the governance-to-D&O bridge that brokers can close before a disclosure is challenged.
By Tarun Kumar Singh
Risk Management Strategies - June 22, 2026 - 10 min read
Cyclone Ditwah caused around USD 4 billion in losses with under USD 0.5 billion insured, exposing how thin indemnity cover sits over catastrophe-exposed corporate sites. This post lays out how risk managers on India's east coast can layer parametric, captive retention and pre-funded reserves into a deliberate financing stack.
By Tarun Kumar Singh
Risk Management Strategies - June 21, 2026 - 10 min read
IRDAI's Risk-Based Capital regime and Ind AS 117 take effect from April 2026, tying insurer capital to actual risk profile. For corporates running captives, the change flows straight into fronting fees, collateral demands and the capacity an Indian carrier will lend a concentrated large account.
By Tarun Kumar Singh
Risk Management Strategies - June 20, 2026 - 10 min read
April 2026 Indian property treaty renewals turned firmly soft, with loss-free excess-of-loss cuts above 20 percent and abundant domestic capacity. The smart move is not to bank a one-year discount but to re-engineer programme structure, widen wordings and lock durable terms before the cycle turns.
By Tarun Kumar Singh
Risk Management Strategies - June 19, 2026 - 10 min read
The captive decision in 2026 is mostly a tax-and-cash-flow comparison. We model the GIFT City IFSC income-tax holiday and GST zero-rating against onshore Section 37 premium deductibility, then show brokers the after-tax total-cost number a CFO actually asks for before a board approves any structure.
By Tarun Kumar Singh
Risk Management Strategies - June 18, 2026 - 8 min read
The 2026 India-US interim trade framework and the recalibration of tariffs are changing sourcing, demand and supply chains for Indian corporates, turning geopolitical and trade risk into a standing board-level concern. This piece sets out how to bring trade and geopolitical risk onto the risk register, where insurance can and cannot help, and why the strategy must combine operational adaptation with targeted risk transfer.
By Sarvada Editorial Team
Risk Management Strategies - June 18, 2026 - 10 min read
Tariff swings are now the top board risk for Indian exporters, yet standard property and contingent business interruption cover does not pay for a duty hike. This post maps where trade disruption and political risk insurance actually respond, and where they stop short.
By Tarun Kumar Singh
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