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August 16, 2026

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1217 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Regulation & Compliance - July 4, 2026 - 9 min read

Income-tax Act 2025 and Commercial Insurance: How Premium Deductibility, Keyman Proceeds and Claim Receipts Are Taxed From April 2026

The Income-tax Act 2025 replaces the 1961 Act from 1 April 2026 and renumbers the provisions corporate finance teams cite for insurance. This post maps the old Section 37(1), 28 and 10(10D) references to the new Act and explains what actually changes for commercial premium deductions, keyman payouts and claim receipts.

By Tarun Kumar Singh

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Regulation & Compliance - July 3, 2026 - 9 min read

Section 41 Rebating in the Flexible Commission Era: Where Premium Negotiation Ends and Prohibited Inducement Begins

The anti-rebating prohibition in Section 41 of the Insurance Act, 1938 did not go away when commission caps did. How the 2023 commission deregulation sharpened the rebating question for brokers, the line between legitimate premium negotiation and prohibited inducement, penalty exposure, and the controls placement teams need in 2026.

By Tarun Kumar Singh

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Operations & Best Practices - July 3, 2026 - 9 min read

Building Commission MIS That Reconciles to IRDAI Returns and the Proposed Disclosure Schedule: Data Model, Monthly Close, and Audit Readiness

The draft 2026 intermediary regulations would put an audited intermediation-revenue schedule on every broker's website. How to build commission MIS that reconciles to IRDAI annual returns: the policy-level data model, monthly close discipline, the mismatch causes that eat audit weeks, and what audit readiness actually requires.

By Tarun Kumar Singh

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Insurance for Startups & New Economy - July 3, 2026 - 9 min read

Home-Services Platform Startup Insurance in India 2026: Worker Injury, Service-Quality Liability, and Customer Property Damage Cover

An at-home services marketplace carries three distinct exposures that meet inside a customer's home: service-professional accident cover, workmanship professional indemnity, and property-damage liability. Here is how to structure each after Urban Company's 2025 listing put platform-worker liability on the record.

By Sarvada Editorial Team

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Industry Risk Profiles - July 3, 2026 - 9 min read

Ropeway and Cable Car Operator Risk Profile India 2026: Parvatmala Passenger Liability, Gondola Breakdown and Pilgrimage Crowd Exposure

A risk and insurance profile for Indian passenger ropeway and cable car operators in 2026, covering haul-rope and drive machinery breakdown, aerial evacuation and passenger liability, peak pilgrimage crowd accumulation, and PPP construction EAR on Parvatmala tri-cable gondola projects.

By Sarvada Editorial Team

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Market & Trends - July 2, 2026 - 6 min read

The Capex Super-Cycle and the Engineering Insurance Boom: CAR, EAR and Project-Cargo Demand into 2027

Record public capital spending, PLI-driven factory build-outs and a logistics-park pipeline are creating structural demand for Contractors' All Risks, Erection All Risks, project cargo and delay-in-startup cover. This market-trends view sets out for engineering underwriters and brokers where capacity, ALOP and DSU appetite and rate discipline will be tested as the project pipeline lands.

By Sarvada Editorial Team

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Industry Risk Profiles - July 2, 2026 - 6 min read

Fireworks Manufacturing Cluster Risk Profile in India 2026: Sivakasi, PESO Licensing and the Explosion-and-Liability Picture

The fireworks and match cluster around Sivakasi and Virudhunagar produces most of India's fireworks, and it does so under an explosion frequency that makes conventional fire, liability and employee cover difficult to place. This profile sets out the PESO licensing regime, why fragmented multi-unit production shapes the exposure, the accident record that drives underwriter caution, and what cover is realistically available to operators in the cluster.

By Sarvada Editorial Team

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Industry Risk Profiles - July 2, 2026 - 7 min read

Highway BOT Toll-Road Operator Risk Profile in India 2026: Concession-Phase Property, Traffic-Revenue BI and Third-Party Liability

The operational phase of a BOT (Toll) highway concession carries a risk profile that construction-all-risks and surety-bond placements do not address. This profile examines the operating concessionaire's property and business-interruption exposure tied to toll revenue, the third-party and public liability for road users, the insurance obligations in the Model Concession Agreement, and how InvIT monetisation reshapes the picture.

By Sarvada Editorial Team

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Market & Trends - July 2, 2026 - 5 min read

India's Shipbuilding Renaissance and the Marine Hull and Builders'-Risk Market: Underwriting the Maritime Amrit Kaal

A scaled-up Maritime Development Fund, a richer shipbuilding subsidy and infrastructure status for ships are seeding a wave of yard construction and tonnage growth. This market-trends read sets out for marine underwriters and brokers the builders'-risk, hull and ship-repair liability demand this creates, and where domestic capacity must be backstopped by reinsurance.

By Sarvada Editorial Team

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Market & Trends - July 2, 2026 - 5 min read

Falling Yields, Thinner Float: How the 2026 Rate Cycle Forces Indian Non-Life Insurers to Price for Underwriting Profit

With the repo rate at 5.25% and the 10-year G-sec near 6.7%, the era of fat investment income subsidising soft underwriting is fading. This market-trends analysis explains how lower reinvestment yields, combined with combined ratios near 100, push insurers toward genuine rate discipline, and what that means for commercial renewals through 2026.

By Sarvada Editorial Team

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Industry Risk Profiles - July 2, 2026 - 6 min read

Meat and Poultry Processing-and-Export Plant Risk Profile in India 2026: Ammonia Refrigeration, Contamination Recall and APEDA Compliance

Integrated abattoir-to-frozen-export plants for buffalo meat and poultry carry a risk mix that dairy, cold-chain and FMCG profiles do not capture: ammonia refrigeration hazards, contamination and product-recall exposure under APEDA and FSSAI oversight, marine and reefer transit risk on exports, and the effluent liability of combined slaughter and rendering. This profile sets out each exposure and how the covers respond.

By Sarvada Editorial Team

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