Category archive
Sarvada research, workflows, and commentary focused on underwriting & risk.
Archive
85 published articles
Topic
Underwriting & Risk
Latest
June 30, 2026
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85 articles
Underwriting & Risk - February 4, 2026 - 7 min read
How the average clause penalises underinsurance in Indian SFSP policies, its impact on claim settlements, and what underwriters must communicate.
By Tarun Kumar Singh
Underwriting & Risk - February 4, 2026 - 3 min read
A practical guide for Indian commercial insurers on when to apply portfolio-level underwriting strategies versus detailed individual risk assessment for optimal results.
By Tarun Kumar Singh
Underwriting & Risk - January 30, 2026 - 7 min read
A practical guide to facultative reinsurance placement in India, from structuring the slip to negotiating terms with reinsurers under IRDAI regulations.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 16 min read
A practical guide to determining the correct sum insured for Indian commercial properties -- covering reinstatement value vs. Market value vs. Book value, the devastating impact of underinsurance and the average clause, stock declaration policies, escalation clauses, professional valuation standards per IRDAI guidelines and RICS, and common valuation pitfalls across buildings, plant/machinery, and stock.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 3 min read
How Indian commercial insurers can apply structured data, analytics, and scoring models to make better risk selection decisions and improve portfolio profitability.
By Tarun Kumar Singh
Underwriting & Risk - January 26, 2026 - 7 min read
How Indian underwriters can assess drone operations, EV fleet exposures, and lithium-ion BESS facilities with practical pricing and risk selection guidance.
By Tarun Kumar Singh
Underwriting & Risk - January 24, 2026 - 3 min read
How Indian commercial underwriters can identify, assess, and mitigate moral hazard. The risk that insurance coverage itself changes the policyholder's behaviour.
By Tarun Kumar Singh
Underwriting & Risk - January 22, 2026 - 7 min read
How Indian commercial insurers are transitioning from tariff-legacy pricing to genuine risk-based pricing using exposure, experience, and judgment rating.
By Tarun Kumar Singh
Underwriting & Risk - January 18, 2026 - 3 min read
How catastrophe modelling tools and techniques apply to the Indian subcontinent's unique natural hazard profile, from cyclones to earthquakes, and what underwriters need to know.
By Tarun Kumar Singh
Underwriting & Risk - January 14, 2026 - 7 min read
How Indian insurers structure coinsurance panels for large commercial risks, including leader-follower dynamics, market agreements, and IRDAI regulatory requirements.
By Tarun Kumar Singh
Underwriting & Risk - January 11, 2026 - 3 min read
How Indian non-life insurers should interpret, benchmark, and act on loss ratio data to improve underwriting profitability across commercial lines.
By Tarun Kumar Singh
Underwriting & Risk - January 6, 2026 - 3 min read
A practical, step-by-step underwriting checklist for evaluating SME commercial insurance proposals in India, including covering financial health, physical risk, and regulatory compliance.
By Tarun Kumar Singh
Sarvada
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.