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October 8, 2026
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1513 articles
Global & Cross-Border Insurance - August 26, 2026 - 11 min read
War risk additional premium on a Gulf transit has gone from a rounding error to a seven-figure line item, and most Indian sale contracts never allocated it. Here is who bears it under CIF, CFR, FOB and DAP, and the clauses to insert before the next fixture.
By Sarvada Editorial Team
AI & Insurtech - August 26, 2026 - 9 min read
The Delhi High Court refused ANI Media an interim injunction against OpenAI on 24 July 2026, holding that copyright protects expression and not facts, and that the RAG outputs in issue were not substantially similar to ANI's reports. For Indian companies deploying generative AI, the exposure shifts to what their own deployment publishes, and to policies that carriers started excluding in January 2026.
By Sarvada Editorial Team
Underwriting & Risk - August 26, 2026 - 8 min read
GIC Re's June 2026 quarter shows domestic premium up 12 per cent on health growth of 37 per cent while fire fell 10 per cent, with obligatory cession down to a third of the domestic book from 39 per cent. Anyone placing a large Indian property risk should read that mix as a capacity signal.
By Tarun Kumar Singh
Industry Risk Profiles - August 26, 2026 - 11 min read
A reactor explosion at a pharma unit in Yadadri Bhuvanagiri killed two workers and injured nine. Many units that size hold a fire policy and an EC policy and nothing else, and the branded principal that contracted the batch often holds no cover for the interruption at all.
By Sarvada Editorial Team
Claims & Loss Prevention - August 26, 2026 - 11 min read
India accounted for 11 percent of global cargo thefts in 2025, and freight-platform impersonation has emerged as a significant tactic here. This is where the loss sits between a marine cargo policy, a carrier's legal liability policy and a crime policy, and what onboarding evidence decides which one pays.
By Sarvada Editorial Team
Underwriting & Risk - August 25, 2026 - 11 min read
A mustard oil packing unit in Alwar's Matsya Industrial Area burned for about eight hours and lost roughly seven lakh litres of oil, with the loss put at Rs 25 to 30 crore. Only two fire tenders were stationed in the whole industrial area. This piece works through how PML and MFL are set for stock-heavy occupancies, what private protection and estate mutual aid are worth in rating terms, and where the sum insured falls short when a fire runs eight hours.
By Tarun Kumar Singh
Claims & Loss Prevention - August 25, 2026 - 11 min read
Property claims lead the Gujarat flood headlines, but motor own-damage claims follow behind them. What fleet operators and vehicle dealers need to do in the first 48 hours, and why an attempted restart can convert a payable claim into a repudiated one.
By Sarvada Editorial Team
AI & Insurtech - August 25, 2026 - 10 min read
IRDAI's seven-member AI working group was formed on 19 June 2026 with a three-month deadline and a brief aimed at claims processing, fraud detection and an audit framework. Commercial buyers do not have to wait for the report: here are the questions to put to insurers at this renewal, and the limits of what explainability can win you.
By Sarvada Editorial Team
Insurance for Startups & New Economy - August 25, 2026 - 10 min read
Yulu closed a $93 million round on 11 August 2026 and wants to grow from 50,000 to 200,000 electric two-wheelers. A vehicles-as-a-service fleet does not fit standard commercial motor, because the operator owns the asset, does not employ the rider, and runs a swap network that is a separate property and fire risk.
By Sarvada Editorial Team
Underwriting & Risk - August 25, 2026 - 8 min read
New India Assurance's motor third-party incurred claims ratio hit 122.20 percent in Q1 FY27 and its motor underwriting loss grew by more than half. Third-party premium is notified and cannot move, so the recovery lands on own-damage rating, deductibles and declinature at your next fleet renewal.
By Tarun Kumar Singh
Regulation & Compliance - August 25, 2026 - 10 min read
Brokers have always carried compulsory professional indemnity. The 2026 intermediaries amendments extend the requirement to corporate agents where more than half of total revenue comes from insurance intermediation, which catches NBFC, fintech and dealer-linked agents whose core business has shrunk relative to their commission line. How the revenue test works and what to fix before the 31 January 2027 re-registration filing.
By Tarun Kumar Singh
Industry Risk Profiles - August 25, 2026 - 11 min read
A run of fatal furnace, ladle and sponge-iron explosions through 2026, set against capacity growing faster than output and induction furnace capacity rising 16 percent year on year, has turned Indian secondary steel from a severity class into a frequency-and-severity class. Here is what a plant owner should expect at renewal.
By Sarvada Editorial Team
Insurance Products - August 25, 2026 - 9 min read
Aon puts India's 2026 medical trend rate at 11.5%, yet Indian employers are being quoted group mediclaim renewal loadings of 20 to 35%. This is how to decompose the quote into defensible trend, your own burning cost, and portfolio correction you should refuse to fund.
By Sarvada Editorial Team
Operations & Best Practices - August 25, 2026 - 11 min read
IRDAI's Insurance Intermediaries (Amendment) Regulations, 2026 keep the NOC requirement for a designated person moving between corporate agents, but if the outgoing employer neither issues it nor objects within 30 days, the NOC is deemed granted. This is what each side should do inside that window.
By Tarun Kumar Singh
Global & Cross-Border Insurance - August 25, 2026 - 11 min read
IFSCA's draft Managing General Agents Regulations 2026 set a USD 500,000 capital floor, cap binding authority at 10 per cent of prior-year gross written premium, and bar MGAs from binding reinsurance. Whether that produces specialty capacity or a shopfront turns on the cap.
By Sarvada Editorial Team
Global & Cross-Border Insurance - August 24, 2026 - 9 min read
With mainstream owners refusing Strait of Hormuz transits, sanctions-adjacent and overage tonnage is filling the gap. Indian importers of crude, LPG, fertiliser and petrochemicals need to check the Institute Classification Clause in their marine cargo open cover before the bill of lading is issued.
By Sarvada Editorial Team
Claims & Loss Prevention - August 24, 2026 - 11 min read
Preliminary information on the Ramgarh blast points to a protection system failure that let a turbine overspeed at a Jharkhand cement and steel plant, killing three engineers and starting a fire. The fact pattern sits on the seam between the fire policy and machinery breakdown cover, where Indian process plants are routinely underinsured.
By Sarvada Editorial Team
Regulation & Compliance - August 24, 2026 - 8 min read
IRDAI's order of 29 January 2026 warned a broker whose shareholding changes hit 12.15 per cent and 10.75 per cent without prior approval under Regulation 25(2) and Form T. With 100 per cent FDI open and deal activity rising, this is the cap-table check that belongs before signature.
By Tarun Kumar Singh
Underwriting & Risk - August 24, 2026 - 10 min read
The 2026 Gujarat rains put close to Rs 5,000 crore of expected claims into the districts holding some of India's densest textile processing and chemical accumulation. Here is what resets at the 2027 renewal for a plant in Surat or Vapi.
By Tarun Kumar Singh
Claims & Loss Prevention - August 24, 2026 - 11 min read
Gujarat's 2026 monsoon has produced a property claim estimate running roughly two and a half to three times the 2024 flood bill. What actually decides recovery: FNOL discipline, surveyor appointment under load, stock substantiation at flood level, salvage control, and on-account payments.
By Sarvada Editorial Team
Insurance Products - August 23, 2026 - 9 min read
The group behind Policybazaar now runs hospitals and owns a chronic-disease platform. For a corporate buyer of group mediclaim, that changes what network steering, tariff negotiation and claims servicing mean. This is a governance brief: the questions to ask, and the clauses to write into the servicing agreement, when broker, TPA and provider sit inside one group.
By Sarvada Editorial Team
Industry Risk Profiles - August 23, 2026 - 9 min read
Tiruppur closed FY2025-26 down 4.91% on tariff uncertainty, and the picture has since reversed: the US rate fell to 10% and the India-EU FTA is concluded. A fast capacity ramp is exactly where garment insurance breaks. A pre-ramp checklist for knitwear exporters.
By Sarvada Editorial Team
Underwriting & Risk - August 23, 2026 - 10 min read
DRAM prices rose up to 89% in a single quarter of 2026 as AI data centres pulled wafer capacity into high-bandwidth memory. Indian EMS firms, distributors and importers who set stock sums insured on last year's component costs are now exposed to the average clause. The arithmetic, the fix, and the Section 64VB mechanics of resetting mid-policy.
By Tarun Kumar Singh
Industry Risk Profiles - August 23, 2026 - 8 min read
From 29 September 2026, US Section 232 tariffs on patented pharmaceuticals and associated APIs reach 100% for importers with no approved onshoring plan and no qualifying origin. Indian API makers, CDMOs and licensors need to reprice trade credit limits, reread force majeure and price-adjustment clauses, and test whether cover responds if a US buyer refuses delivery on duty grounds.
By Sarvada Editorial Team
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