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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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August 16, 2026
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1217 articles
Regulation & Compliance - July 6, 2026 - 10 min read
The Merchant Shipping Act 2025 codifies compulsory financial security for Indian shipowners across wreck removal, bunker and CLC pollution and MLC seafarer liabilities. Here is the P&I certificate map brokers need.
By Tarun Kumar Singh
Industry Risk Profiles - July 6, 2026 - 9 min read
A risk profile for Indian metro rail operators and their brokers, covering TBM tunnelling and viaduct erection all-risks, third-party exposure over live corridors, rolling stock and signalling breakdown, and passenger liability with contingent business interruption.
By Sarvada Editorial Team
Risk Management Strategies - July 6, 2026 - 9 min read
The RBI (Project Finance) Directions, 2025, effective 1 October 2025, reshape the insurance covenants a corporate borrower must satisfy, from builder's-risk and DSU cover aligned to an extended DCCO to mortgagee-interest and agreed-bank-clause obligations that gate every disbursement.
By Tarun Kumar Singh
Underwriting & Risk - July 6, 2026 - 9 min read
The domestic terrorism pool caps out at Rs 2,000 crore per location, well below the value of a hyperscale data centre or gigawatt solar park. Here is when and how brokers place standalone sabotage and terrorism cover through international and GIFT City reinsurance.
By Tarun Kumar Singh
Regulation & Compliance - July 5, 2026 - 8 min read
Motor Insurance Service Provider payouts sit squarely in the path of IRDAI's planned 2026 commission overhaul. How dealer distribution economics work, why motor draws regulatory attention, and how brokers can compete with dealer channels on commercial fleets.
By Tarun Kumar Singh
Operations & Best Practices - July 5, 2026 - 9 min read
With IRDAI's commission overhaul under discussion and draft disclosure rules on the table, broking firm boards need a remuneration governance framework: a conflict-of-interest policy with teeth, a placement committee for large accounts, incentive structures that do not reward mis-selling, and a documentation trail that stands up to inspection.
By Tarun Kumar Singh
Market & Trends - July 5, 2026 - 9 min read
Since IRDAI removed product-wise commission caps in 2023, commercial brokerage rates are set by insurer board policies inside the EOM envelope. Indicative brokerage ranges by line, why insurer policies differ, and how broking firms should benchmark and negotiate in 2026.
By Sarvada Editorial Team
AI & Insurtech - July 5, 2026 - 10 min read
How AI buyer-risk models set and revise per-buyer credit limits and forecast receivables default on Indian export and domestic-supply cover, and what brokers must check in the wording before they place it in 2026.
By Sarvada Editorial Team
Insurance Products - July 5, 2026 - 9 min read
US tariffs near 58%, a Vannamei disease shock and a projected 15 to 18% export drop have thinned the margins Indian shrimp exporters and processors hold against loss. This post maps disease-mortality pond cover, processing-plant property and business interruption, ammonia and cold-chain exposure, and the contamination and recall liability that follows Indian shrimp into export markets.
By Sarvada Editorial Team
Regulation & Compliance - July 5, 2026 - 9 min read
Theft, burglary, fire and fraud claims stand or fall on the police record, and the Bharatiya Nagarik Suraksha Sanhita has rewritten how that record is created. This post explains what e-FIR, zero-FIR, time-bound investigation and mandatory forensics mean for the FIR requirement in insurance claims, and how brokers and claims teams should document a loss under the new criminal procedure code.
By Tarun Kumar Singh
Industry Risk Profiles - July 5, 2026 - 9 min read
As India's three bulk drug parks fill with API and KSM plants, brokers face a solvent-intensive risk with shared effluent and solvent-recovery infrastructure, reactor runaway exposure, pollution liability and a cluster accumulation problem that reshapes fire, liability and environmental cover.
By Sarvada Editorial Team
Underwriting & Risk - July 5, 2026 - 10 min read
How brokers and underwriters should read the private commercial coal-mine operator as a distinct risk: open-cast highwall failure, the HEMM and conveyor fire load, monsoon inundation, spontaneous heating and mine-development delay-in-start-up in a de-tariffed engineering market.
By Tarun Kumar Singh
Risk Management Strategies - July 5, 2026 - 10 min read
A quantification-first method for Indian boards to translate DPDP penalty exposure, business interruption, and incident-response cost into a defensible cyber insurance limit and retention using loss-exceedance and FAIR-style modelling.
By Tarun Kumar Singh
Market & Trends - July 5, 2026 - 10 min read
GCCs took 38% of top-seven-city office leasing in 2025, and every square foot pulls a specific insurance programme with it. This is the market read on the property, technology E&O, cyber, D&O and people covers behind India's capability-centre build-out, and where the broking opportunity sits.
By Sarvada Editorial Team
Claims & Loss Prevention - July 5, 2026 - 11 min read
How loss-of-rent cover responds after fire or flood damage to a let commercial property, why the policy indemnity period rarely matches real re-letting time, and how landlords evidence the rent roll, void periods and tenant break clauses to recover in full.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 5, 2026 - 9 min read
Fictitious pickups and freight-broker impersonation now strip Indian exporters of goods held or moving abroad. Here is how marine cargo, stock throughput, fidelity and cyber wordings respond, and where they exclude the loss.
By Sarvada Editorial Team
Operations & Best Practices - July 4, 2026 - 10 min read
IRDAI's draft intermediary disclosure rules and the planned commission overhaul mean commercial clients will soon see broker remuneration in print. How to disclose proactively, what formats work in proposals and renewal reports, when to move an account to a fee agreement, and how to handle procurement pushback.
By Tarun Kumar Singh
Operations & Best Practices - July 4, 2026 - 10 min read
How insurer board-approved commission policies work under the IRDAI Payment of Commission Regulations 2023, what sits inside the grids (line of business, business mix, volume, servicing scope), how the EOM ceiling constrains negotiation, and the documentation a broker should keep for every negotiated rate.
By Tarun Kumar Singh
Regulation & Compliance - July 4, 2026 - 10 min read
The June 2026 draft amendment regulations would require brokers to disclose intermediation revenue and other receipts from insurers in a separate financial-statement schedule, file audited accounts with IRDAI by 30 September, and publish them on their websites. What the draft says, what the INR 10 crore threshold means, and how to build the finance function before the rules go final.
By Tarun Kumar Singh
AI & Insurtech - July 4, 2026 - 8 min read
Machine-learning default-probability scoring on contractor financials, order books and track record is starting to unlock surety capacity in India and speed bid, performance and advance-payment bond decisions after the 2026 framework changes.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 4, 2026 - 10 min read
China's 2025 rare-earth and gallium export licensing has exposed a coverage gap for Indian EV, electronics, and auto firms: standard contingent business interruption needs physical damage a regulatory cutoff never causes. Here is where cover actually responds.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 4, 2026 - 10 min read
Indian influencer platforms, MCNs and marketing agencies now carry media and multimedia liability, IP and copyright, defamation, and CCPA misleading-advertisement defence-cost exposure after ASCI's 2026 influencer guidelines and CCPA Endorsement Know-Hows put penalties up to Rs 50 lakh on the table. This post maps the 2026 cover stack.
By Sarvada Editorial Team
Industry Risk Profiles - July 4, 2026 - 8 min read
Multi-layer PCB, passives, camera-module and SMT plants built under the ECMS scheme carry a solder-reflow and solvent fire load, heavy imported-equipment values and a contingent BI tie to handset OEMs that a fab risk profile does not capture.
By Sarvada Editorial Team
Claims & Loss Prevention - July 4, 2026 - 10 min read
Salvage retention versus deduction quietly decides who bears GST on scrap, whether input tax credit survives, and how much net recovery a broker actually books on a property or marine loss in 2026.
By Sarvada Editorial Team
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