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July 2, 2026

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956 articles

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Risk Management Strategies - June 12, 2026 - 13 min read

Beyond Tier 1: Mapping Hidden Supplier Dependencies and the Limits of CBI Cover in India 2026

Most contingent business interruption cover names only direct tier-1 suppliers, yet the dependency that stops a production line often sits two or three tiers down in a single-source component the buyer has never heard of. This post sets out why CBI cover stops at tier 1, how to map hidden single-source dependencies deeper in the chain, the data problem, and how to structure supply-chain cover and mitigation around what mapping reveals.

By Sarvada Editorial Team

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Underwriting & Risk - June 12, 2026 - 15 min read

Underwriting Product Liability for Indian Auto-Component Exporters to the US and EU in 2026

An Indian auto-component maker shipping to US and EU vehicle programmes carries product-liability exposure shaped by foreign litigation, recall economics and contractual flow-down from the OEM, not by the Indian claims environment it knows. This post sets out the jurisdictional exposure, the recall and financial-loss extensions, the OEM vendor-liability flow-down, sum-insured adequacy for foreign claims, and what underwriters assess on quality and traceability.

By Sarvada Editorial Team

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AI & Insurtech - June 11, 2026 - 13 min read

AI/ML Catastrophe Modelling in Indian Commercial Property Underwriting 2026: Hazard Data, Exposure Accumulation, the India Model Gap and Pricing

Catastrophe modelling for flood, cyclone and earthquake sits at the centre of Indian commercial property underwriting, yet India-specific vendor models are thin and the exposure data is often poor. This post sets out how an underwriter uses cat-model output (hazard data, geocoding, exposure accumulation, climate-conditioned views) for pricing and accumulation limits, and how machine learning augments traditional vendor models rather than replacing them.

By Sarvada Editorial Team

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AI & Insurtech - June 11, 2026 - 15 min read

AI-Driven Sanctions and PEP Screening in Indian Insurance Operations 2026

Insurers and brokers must screen parties at onboarding and at claims against UN, OFAC and Indian MHA lists, and the legacy rule-based screening drowns teams in false positives. AI screening cuts the false-positive load with better name matching while keeping the PMLA and IRDAI AML obligations, the audit trail and the explainability that a sanctions decision demands.

By Sarvada Editorial Team

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Market & Trends - June 11, 2026 - 7 min read

Bima Sugam's 2026 Rollout and Commercial Broker Readiness: Bima Pehchaan, Distribution Economics and Where Commercial Lines Fit

Bima Sugam, the industry-owned digital insurance marketplace, has its Phase 1 live and its first commercial use case expected around May 2026, motor-first then health. This post sets out what the phased rollout means for commercial brokers: onboarding, the Bima Pehchaan ID, distribution economics, where commercial lines sit in the sequence, and the readiness steps to take in 2026.

By Sarvada Editorial Team

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Operations & Best Practices - June 11, 2026 - 10 min read

Holding Your Broker Accountable in India 2026: Service Agreements, Stewardship Reports and the Move to Fee-Based Mandates

Corporate insurance buyers can no longer treat the broker relationship as informal. This piece sets out how to structure broker accountability through a scope-of-services and service-level agreement, an annual stewardship report, and an explicit choice of fee versus commission, and how the 2026 expenses-of-management and commission-disclosure reforms are pushing mid-market buyers toward fee-based mandates.

By Sarvada Editorial Team

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Industry Risk Profiles - June 11, 2026 - 11 min read

Ceramic, Tile and Sanitaryware Cluster Risk Profile in India 2026: Morbi, Kiln Fire and Cluster Accumulation

The Morbi ceramic cluster in Gujarat is the world's second-largest, packing hundreds of tile, sanitaryware and ceramic-ware units into a dense industrial belt fired by piped natural gas. The risk profile combines gas-fired kiln and spray-dryer fire and machinery breakdown, an unusual property accumulation and aggregation problem from the tight clustering, a business-interruption dependency on city-gas supply, and an export product-liability and anti-dumping and carbon-border tail.

By Tarun Kumar Singh

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Market & Trends - June 11, 2026 - 12 min read

Commercial Motor Pricing into FY2027: Detariffing, the Third-Party Regime and What Fleet Buyers Should Expect

Commercial motor pricing in India runs on two tracks: a detariffed own-damage market where insurers compete on price and risk selection, and a regulated third-party premium that the government still notifies. This post sets out the own-damage detariff dynamics into FY2027, the third-party regime and its loss ratios, telematics-based fleet pricing, the commercial-vehicle loss experience, and what corporate fleet buyers should expect on rates and structuring.

By Sarvada Editorial Team

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Insurance Products - June 11, 2026 - 10 min read

Erection All Risks and ALOP for Indian Infrastructure 2026: Covering Plant Erection, Hot Testing and the Commissioning Date

On a power plant, a process unit or a renewables installation, the dangerous moment is not the civil works but the first energisation of erected plant during testing and commissioning. This piece sets out how erection all risks (EAR) covers mechanical erection, testing and the defects-liability maintenance period, how the DE3/DE4/DE5 defects ladder decides consequential-damage claims, and how advance loss of profits anchored to the scheduled commissioning date protects an infrastructure developer's drawdown.

By Sarvada Editorial Team

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Market & Trends - June 11, 2026 - 13 min read

D&O Pricing Cycle Softening in India 2026: After the Hard Market, Where Terms Are Heading for Listed Companies and Start-ups

After the hard directors-and-officers market of roughly 2020 to 2023, Indian D&O pricing is softening as capacity returns, new entrants and MGAs compete, and the worst of the rate correction passes. This piece analyses what drove the hard market, what is driving the softening, the Side-A/B/C structure, where terms are heading by segment, and the renewal strategy for buyers.

By Sarvada Editorial Team

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Risk Management Strategies - June 11, 2026 - 18 min read

Emerging Risk Horizon Scanning for Indian Corporates 2026: Building the Process, the Register and the Insurance Linkage

Emerging risks are weak signals today that become balance-sheet events tomorrow. This post sets out how Indian corporates should build a horizon-scanning process and an emerging-risk register, score and assign ownership, link it to the main risk register and insurance programme, and treat AI, climate, geopolitical and regulatory risks.

By Tarun Kumar Singh

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Market & Trends - June 11, 2026 - 8 min read

India General Insurance FY26: What the Premium-Growth Numbers Mean for Commercial Buyers in 2026

India's general insurance industry closed FY26 with high-single-digit premium growth and a commercial-lines segment that finally picked up on the back of public capex. This piece reads the FY26 numbers and the FY27 forecasts the way a corporate buyer should, separating headline growth from what is actually happening to capacity, pricing and underwriting appetite in the lines a commercial programme depends on.

By Sarvada Editorial Team

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AI & Insurtech - June 11, 2026 - 8 min read

India's AI Governance Guidelines and IRDAI's Sectoral Mandate: What Commercial Insurers and Brokers Must Build in 2026

India has chosen a sectoral, principles-led route to regulating artificial intelligence rather than an omnibus AI Act, leaving the Insurance Regulatory and Development Authority of India to set the rules for AI in underwriting, claims and distribution. This piece explains the MeitY India AI Governance Guidelines, how liability is allocated across the AI value chain, and what a commercial insurer or broker should actually build to be defensible when an AI-driven decision is questioned.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 11, 2026 - 20 min read

India-EU CBAM and Exporter Trade Insurance 2026: Margin Compression, Contract Frustration and Reporting Risk

The EU Carbon Border Adjustment Mechanism hits Indian steel, aluminium, cement and fertiliser exporters through margin compression and embedded-emissions reporting obligations. This piece details the trade-credit, contract-frustration and compliance-risk insurance implications for affected exporters.

By Sarvada Editorial Team

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Operations & Best Practices - June 11, 2026 - 12 min read

Vetting Insurer Financial Security and Counterparty Risk for Indian Corporates 2026: Solvency, Ratings and GIC Re Support

Placing a large programme with a carrier that cannot pay a major claim is a counterparty risk in its own right. This post sets out how an Indian corporate risk manager should vet insurer solvency, ratings and reinsurance support before placement, and why it matters more after the wave of new and foreign carriers with no local claims track record.

By Sarvada Editorial Team

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Regulation & Compliance - June 11, 2026 - 10 min read

IRDAI's Risk-Based Capital Move in India 2026: Reading Your Insurer Like a Credit Analyst Reads a Borrower

IRDAI's board has approved an Indian Risk-Based Capital framework, with draft regulations to follow and a transition running alongside Ind AS 117 from FY27. This piece is about one idea rather than a placement workflow: treat the carrier behind your programme as a credit counterparty, read its impairment likelihood and your reliance on it the way a treasurer reads a bank or a bond, and turn carrier default into a probability times a severity you can quantify before binding rather than discover after a loss lands.

By Sarvada Editorial Team

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Industry Risk Profiles - June 11, 2026 - 12 min read

Multiplex and Cinema-Chain Operator Risk Profile India 2026: Crowd Safety, Fire, Contingent BI and the Insurance Programme

Multiplex and cinema-chain operators in India carry crowd and fire-exit liability, dense fire and electrical loads, and a business-interruption exposure tied to content pipelines and, for mall-located screens, to landlord closure. This piece profiles the risk and how an operator structures its insurance programme.

By Sarvada Editorial Team

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Risk Management Strategies - June 11, 2026 - 11 min read

Risk-Based Capital Arrives in India 2026: Why Insurer Selection Is Now a Core Risk-Management Decision

The Indian general-insurance market is moving from a uniform solvency margin to a risk-based capital regime alongside Ind AS 117, and the transition will reshape which insurers hold which risks at what price. This piece sets out the selection machinery this calls for: a board-signed written security policy, a tiered approved-carrier panel, a weighted scorecard that scores security against price, defined monitoring triggers on each carrier's solvency trajectory, and a routing rule that sends each cover to the carrier capital-advantaged in that class.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 11, 2026 - 14 min read

Underinsurance and the Average Clause in India 2026: Why Sound Sums Insured, Not Cheap Premiums, Decide What a Fire Claim Pays

The most common reason a large Indian fire claim pays far less than the loss is not a coverage dispute. It is the average clause biting on an underinsured sum insured. This piece explains how proportionate settlement works inside the claim, and the order in which the surveyor applies average, the deductible and the sub-limits. It also covers why declared values drift below the surveyor's day-of-loss reinstatement assessment, how the reinstatement-settlement and waiver-of-average provisions change what is actually paid, and the declared-value pitfalls that only surface at the fire.

By Sarvada Editorial Team

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Industry Risk Profiles - June 10, 2026 - 14 min read

Amusement and Water Park Operator Risk Profile India 2026: Public Liability, Ride Safety and the Insurance Programme

Amusement and water park operators in India carry an unusual concentration of public-liability exposure, from ride accidents and water-park drownings to crowd crush at peak, layered on ride machinery breakdown, fire, food safety and seasonal business interruption. This piece profiles the risk and how an operator should build its programme.

By Sarvada Editorial Team

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Risk Management Strategies - June 10, 2026 - 12 min read

Drought, Reservoirs and Power: Managing Below-Normal-Monsoon Business Interruption for Indian Corporates 2026

A below-normal 2026 monsoon threatens reservoir filling, hydro and thermal generation and the water supply that steel, paper, thermal power and food-processing plants depend on. This post sets out how to manage the resulting business-interruption and contingent-BI exposure, including the non-damage gap and parametric options.

By Tarun Kumar Singh

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Regulation & Compliance - June 10, 2026 - 7 min read

IRDAI Cyber Incident Reporting in 2026: The 6-Hour Window, 180-Day Logs and CISO Independence Playbook for Intermediaries

The IRDAI Information and Cyber Security Guidelines issued on 6 April 2026 tightened cyber-incident reporting to a six-hour CERT-In window, set 180-day rolling log retention, required CISO independence from the Head of IT, and pulled brokers, corporate agents, web aggregators, insurance marketing firms and TPAs into scope. This post is a practical readiness playbook for intermediaries and sets out the cyber-insurance read-through.

By Sarvada Editorial Team

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