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Sarvada research, workflows, and commentary focused on underwriting & risk.
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Underwriting & Risk
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August 14, 2026
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99 articles
Underwriting & Risk - May 28, 2026 - 27 min read
Floating solar plants on Indian reservoirs are scaling fast in 2026 under MNRE and SECI programmes. Underwriters now confront anchoring failure, cyclone uplift, mooring corrosion and complex EAR/OAR design that conventional ground-mount solar wordings do not address.
By Sarvada Editorial Team
Underwriting & Risk - May 27, 2026 - 18 min read
How Indian non-life insurers are managing monsoon flood aggregation in their Mumbai and Chennai commercial portfolios for the 2026 season: zone-level accumulation modelling, the Mithi River and Adyar exposure, contingent BI from sea-water ingress, treaty reinsurance flood sub-limits, and the parametric overlays being placed for the worst-exposed corridors.
By Sarvada Editorial Team
Underwriting & Risk - May 26, 2026 - 21 min read
How Indian non-life insurers underwrite operational-phase wind farms in 2026 across 50-plus GW of installed capacity: blade failure trends from LM, Suzlon, Siemens Gamesa, and other OEMs, gearbox losses and lightning strikes, cyclone exposure in Tamil Nadu, Andhra Pradesh, Odisha, and Gujarat, IRDAI parametric overlap, MERC and CERC tariff impact on BI, repair logistics for European-origin cranes, and Indian insurer wordings versus Munich Re wordings.
By Sarvada Editorial Team
Underwriting & Risk - May 25, 2026 - 21 min read
How Indian non-life insurers underwrite power outage and business interruption exposure at AI hyperscale and colocation data centres in 2026: CtrlS, Yotta, Sify, NxtraData, and AWS/Microsoft Azure/Google Cloud regional builds, Maharashtra and Karnataka discom outage patterns, backup generation and fuel logistics, heat-driven derating, DPDP Act data-loss penalty exposure, contingent BI from tenant SLA failure, and INR-denominated treaty pricing.
By Sarvada Editorial Team
Underwriting & Risk - May 25, 2026 - 17 min read
Why business interruption wordings on Indian data centre placements are under active pressure in 2026: hyperscaler colocation tenant exposure, SLA-credit pass-through, cooling system dependency, and how underwriters are tightening indemnity periods, deductibles, and named-perils triggers across the Mumbai, Chennai, Hyderabad, and NCR markets.
By Sarvada Editorial Team
Underwriting & Risk - May 24, 2026 - 21 min read
How Indian insurers and offshore reinsurers underwrite business interruption on semiconductor fabrication and assembly plants in 2026: India Semiconductor Mission projects, Tata Electronics Dholera fab and Assam OSAT, Micron Sanand ATMP, high gross margins and long indemnity periods, utility-failure triggers, supplier extensions, marine-cargo-DSU for fab equipment imports, and the INR-denominated treaty capacity reality.
By Sarvada Editorial Team
Underwriting & Risk - May 24, 2026 - 19 min read
How Indian non-life insurers price and structure Construction All Risks (CAR) cover for metro rail and elevated highway PPP projects in 2026: Section I material damage and Section II third-party liability, Advance Loss of Profits, EAR versus CAR distinction, surveyor-flagged exclusions, MMRDA and NHAI insurance specifications, and the recent project loss patterns reshaping the market.
By Sarvada Editorial Team
Underwriting & Risk - May 23, 2026 - 20 min read
How Indian non-life insurers underwrite Battery Energy Storage Systems in 2026: grid-scale versus behind-meter versus EV-charging-integrated deployments, CEA approval and IS 17387/IEC 62933 standards, NMC versus LFP fire scenarios, thermal runaway propagation, BMS and cooling failure modes, OEM warranty interface, and the capacity available from Indian insurers and offshore reinsurance.
By Sarvada Editorial Team
Underwriting & Risk - May 23, 2026 - 19 min read
How Indian non-life insurers price and structure D&O cover for SEBI-listed entities in 2026: Side A, B, and C limits and triggers, Additional Side A Limit for non-executive directors, IPO Public Offering of Securities Insurance, exclusions, mid-cap and large-cap pricing benchmarks, and the exposure pattern from recent NCLT, NCLAT, and SEBI orders.
By Sarvada Editorial Team
Underwriting & Risk - May 22, 2026 - 16 min read
An underwriting view on India's green hydrogen electrolyser build wave under the National Green Hydrogen Mission. Covers EAR and DSU sizing for alkaline and PEM stacks, vendor exposure to Indian and Chinese OEMs, SIGHT incentive interplay, and the 2026 reinsurance capacity picture.
By Sarvada Editorial Team
Underwriting & Risk - May 22, 2026 - 19 min read
How Indian non-life insurers price machinery breakdown for process industries in 2026: sum-insured methodology, deductible architecture for turbines, kilns, presses and reactors, time-element versus amount deductibles for downtime, IIB loss-cost benchmarks, and the policy wording moves that follow the 2023 to 2025 cement and steel loss cycle.
By Sarvada Editorial Team
Underwriting & Risk - May 21, 2026 - 24 min read
How Indian non-life insurers and reinsurers are pricing cyclone exposure on the Odisha and Andhra Pradesh coastline for the 2026 season: IMD revised cyclone climatology, district and grid-level aggregation, named-storm definitions, parametric wind and rainfall triggers, deductible structures, and the lessons from Cyclone Dana and Cyclone Fengal in 2024.
By Sarvada Editorial Team
Underwriting & Risk - May 21, 2026 - 16 min read
How Indian underwriters should distinguish Maximum Foreseeable Loss and Probable Maximum Loss for warehouse risks, with specific attention to stack height impact, fire-cell separation, sprinkler credit methodology, and loss patterns from the Bhiwandi, Manesar, and Hosur warehouse clusters.
By Sarvada Editorial Team
Underwriting & Risk - May 20, 2026 - 16 min read
How Indian cedants and brokers place jumbo facultative risks with sum insured above INR 1,000 crore in 2026, covering syndication strategy, lead reinsurer selection, the GIC Re obligatory cession interplay, and the GIFT City facultative market's role.
By Sarvada Editorial Team
Underwriting & Risk - May 12, 2026 - 15 min read
How brokers and risk managers design layered insurance programmes for large Indian corporates in 2026, covering primary, excess, and buffer layer logic, attachment-point setting, broker negotiation across layers, and the market for high-attachment capacity.
By Sarvada Editorial Team
Underwriting & Risk - May 10, 2026 - 15 min read
How declined and distressed commercial risks find cover in the Indian market, covering residual-market mechanisms, scratch-market placement via Lloyd's India and GIFT City, the IRDAI obligatory cession framework, and the broker's role in marketing distressed risks.
By Sarvada Editorial Team
Underwriting & Risk - May 8, 2026 - 14 min read
Cyber aggregation, where a single event generates correlated losses across multiple policyholders sharing common infrastructure, is the Indian insurance market's most pressing emerging underwriting challenge. This guide covers cloud concentration risk, the AIIMS ransomware case study, Lloyd's war exclusions, and how Indian insurers are beginning to model and cap aggregate cyber exposure.
By Sarvada Editorial Team
Underwriting & Risk - May 8, 2026 - 16 min read
Food and beverage contamination underwriting in India remains underdeveloped despite escalating FSSAI enforcement and recall activity. This post examines what separates product recall cover from product liability, how underwriters score contamination risk, and what Indian SME food processors need to know.
By Sarvada Editorial Team
Underwriting & Risk - May 7, 2026 - 14 min read
Environmental liability underwriting in India is shifting as ESG disclosure requirements tighten, regulatory enforcement under the Environment Protection Act intensifies, and reinsurance capacity for Indian environmental risks becomes more selective. This guide covers EIL policy triggers, sector-specific risk profiles, D&O exposure from ESG misstatements, and legacy versus sudden-and-accidental coverage debates.
By Sarvada Editorial Team
Underwriting & Risk - May 7, 2026 - 15 min read
Third-party logistics and warehouse operators present some of the most complex underwriting profiles in Indian commercial insurance. This guide covers bailee liability, fire underwriting for Indian warehouse construction types, stock throughput policies, contractual liability mismatches, and key underwriting questions for 3PL, cold chain, and e-commerce fulfilment operators.
By Sarvada Editorial Team
Underwriting & Risk - May 4, 2026 - 12 min read
A loss control survey is not an audit, it is an underwriter's primary tool for assessing risk quality before pricing your policy. This guide explains what Indian commercial insurance surveyors look for, how findings translate into premium and coverage terms, and how risk managers can prepare effectively.
By Sarvada Editorial Team
Underwriting & Risk - May 1, 2026 - 13 min read
India's pharmaceutical sector presents underwriters with a technically demanding combination of solvent fire hazards, contamination exposure, global regulatory risk, and product recall liability. This post examines the analytical framework underwriters apply when pricing and structuring coverage for Indian pharma manufacturers.
By Sarvada Editorial Team
Underwriting & Risk - April 29, 2026 - 11 min read
An underwriter's framework for assessing construction and infrastructure project risks in India, from site conditions and contractor standing to PML estimation, IRDAI survey requirements, and CAR/EAR pricing.
By Sarvada Editorial Team
Underwriting & Risk - April 27, 2026 - 12 min read
An underwriter's methodology for assessing hotel and hospitality risks in India, covering fire risk in multi-storey properties, PML for business interruption, liability exposures, and pricing ranges across hotel categories.
By Sarvada Editorial Team
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