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Underwriting & Risk

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Underwriting & Risk

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October 6, 2026

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131 articles

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Underwriting & Risk - June 5, 2026 - 10 min read

Underwriting Automated Storage and Retrieval Warehouses in India 2026: High-Bay Fire Risk and Business Interruption

Automated storage and retrieval systems concentrate enormous value in tall, densely packed, hard-to-access structures where fire behaves differently and a single loss is catastrophic. This guide maps how underwriters should assess ASRS and high-bay automated warehouses in India, from in-rack fire protection to the business-interruption exposure of an irreplaceable structure.

By Sarvada Editorial Team

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Underwriting & Risk - June 5, 2026 - 13 min read

A Below-Normal 2026 Monsoon Inverts the Risk: Drought, El Nino and Water-Shortage Underwriting for Indian Commercial Risks

For years Indian monsoon underwriting has meant flood and catastrophe. 2026 inverts that: IMD forecasts a below-normal monsoon at 90% of the long-period average, El Nino is developing, and there is about a 60% chance of a deficient season. A drought year reshapes commercial underwriting around water shortage, non-damage business interruption, power generation, agri-corporate and water-intensive manufacturing exposure rather than flood. This piece sets out the inverted framing.

By Tarun Kumar Singh

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Underwriting & Risk - June 4, 2026 - 16 min read

Cold Storage and Ammonia Refrigeration Underwriting in India 2026: Fire Load, R-717 Toxicity and Stock Deterioration BI

Cold storage facilities running ammonia (R-717) refrigeration combine fire and earthquake property exposure, a toxic and flammable refrigerant under PESO and Factories Act control, and a stock deterioration business interruption profile that conventional property underwriting templates handle poorly. Underwriters and brokers need a structured approach to the machinery, the refrigerant and the perishable stock together.

By Tarun Kumar Singh

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Underwriting & Risk - June 2, 2026 - 21 min read

Lithium Refinery Property Underwriting in India 2026: Solvent Extraction, Fire Load and Battery Materials BI Exposure

India's first wave of lithium refineries is being commissioned through 2026 with hydrometallurgical sulphate and hydroxide routes that combine organic solvent fire load, high-temperature processing and battery-grade output. Insurers face a novel risk class that draws on chemical, refining and battery property underwriting precedent.

By Sarvada Editorial Team

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Underwriting & Risk - May 30, 2026 - 22 min read

Green Hydrogen Storage Tank Underwriting in India 2026: Embrittlement, Permeation Risk and Property Programme Design

Indian green hydrogen projects under the National Green Hydrogen Mission are now hitting the storage scale at which hydrogen embrittlement, permeation and BLEVE exposures dominate property underwriting. Insurers, PNGRB, OISD and BIS frameworks are still catching up, and broker programme design is the differentiator.

By Sarvada Editorial Team

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Underwriting & Risk - May 27, 2026 - 18 min read

Monsoon Flood Exposure Aggregation: Underwriting Mumbai and Chennai Portfolios in 2026

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

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Underwriting & Risk - May 26, 2026 - 21 min read

Operational-Phase Wind Farm Underwriting India 2026: Blade Failure, Gearbox Loss, and Cyclone Exposure

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

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Underwriting & Risk - May 25, 2026 - 21 min read

AI Hyperscale Data Centre Power Outage Underwriting India 2026: BI Triggers, Heat Stress, and Reliance on Discom

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

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Underwriting & Risk - May 25, 2026 - 17 min read

Data Centre Business Interruption Underwriting in India: 2026 Wordings Pressure

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

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Underwriting & Risk - May 24, 2026 - 21 min read

Semiconductor Fabrication Business Interruption Underwriting India 2026: Tata Electronics, Micron, and Capacity Pricing

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

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Underwriting & Risk - May 24, 2026 - 19 min read

Construction All Risks Pricing for Metro and Elevated Highway PPP Projects in India: 2026 Underwriting Position

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

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Underwriting & Risk - May 23, 2026 - 20 min read

Battery Energy Storage System (BESS) Underwriting India 2026: Fire, Thermal Runaway, and Cycle-Life Risks

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

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Underwriting & Risk - May 23, 2026 - 19 min read

Directors and Officers Underwriting for SEBI-Listed Companies in 2026: Sides A, B, C, ABL, IPO POSI

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

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Underwriting & Risk - May 22, 2026 - 19 min read

Machinery Breakdown Underwriting for Process Industries: Cement, Steel, Paper, and Petrochemical in 2026

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

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Underwriting & Risk - May 21, 2026 - 24 min read

Cyclone Exposure Underwriting on the Eastern Coast: Odisha, Andhra, and the 2026 Renewal Cycle

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

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