Category archive

Risk Management Strategies

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

Risk Retention vs. Risk Transfer: How to Set the Right Deductible for Your Indian Business

A quantitative framework for deductible optimisation in Indian commercial insurance, covering loss history analysis, breakeven deductible calculation, and worked examples showing when higher self-retention saves money and when it does not.

By Tarun Kumar Singh

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Risk Management Strategies - January 12, 2026 - 15 min read

Risk Appetite Frameworks for Indian Mid-Market Companies: From Board Policy to Insurance Decisions

A practical guide for Indian mid-market companies with INR 100-500 crore revenue to define risk appetite, translate it into retention and transfer decisions, and build board-level governance around insurance programme design.

By Tarun Kumar Singh

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Risk Management Strategies - January 1, 2026 - 8 min read

Total Cost of Risk: A Framework for Indian Risk Managers

Learn how to calculate and benchmark your total cost of risk (TCOR) using Indian industry data, covering premiums, retained losses, admin costs, and risk mitigation spend.

By Tarun Kumar Singh

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