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July 2, 2026

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956 articles

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

Claims & Loss Prevention - June 10, 2026 - 11 min read

Non-Disclosure and Claim Repudiation in India 2026: Materiality, Good Faith and the Insurer's Burden of Proof

An insurer cannot repudiate a claim for non-disclosure merely because the proposal form was imperfect. Indian law sets a structured test: the undisclosed fact must be material, and the insurer carries the burden of proving it. This piece sets out the principles of utmost good faith, materiality and burden of proof, the limits on repudiating for technical or immaterial non-disclosure, and how proposal-form practice, policy wording and claims defence should reflect them.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 10, 2026 - 16 min read

Road Transit Pilferage and Hijack Claims in India 2026: Investigation, Recovery and Loss Prevention Playbook

Goods-in-transit pilferage, theft, driver collusion and vehicle hijack drive a large share of inland cargo claims on Indian roads. This piece sets out how Marine cum Transit and road-carrier policies respond, how investigators separate pilferage from shortage and fraud, recovery against carriers under the Carriage by Road Act 2007, and a practical loss-prevention regime.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - June 10, 2026 - 20 min read

Robotics and Warehouse-Automation Startup Insurance India 2026: Product Liability, Recall and Human-Robot Injury

Indian robotics and warehouse-automation startups deploying AMRs and AGVs face product liability and recall exposure, public-liability risk from human-robot injuries, and contractual indemnity with 3PL clients. This piece details the product, public, and technology PI covers and the contractual risk transfer.

By Sarvada Editorial Team

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Insurance Products - June 10, 2026 - 14 min read

Subsea Cable and Cable-Landing-Station Insurance in India 2026: Anchor Drag, Repair-Vessel Delay and Denial of Connectivity

Submarine cables and their landing stations are a specialty insurance line behind India's data-centre and AI build-out. This post sets out the key exposures, from anchor drag and repair-vessel delay to denial of connectivity, and how the programme is built across marine, engineering, property and liability.

By Tarun Kumar Singh

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Risk Management Strategies - June 9, 2026 - 13 min read

AI-Accelerated Ransomware and Supply-Chain Cyber Resilience for Indian Corporates 2026: How Wordings Respond

AI is compressing the attacker's timeline and supply-chain compromise is propagating single intrusions across many firms. This post treats both as a risk-management problem for Indian corporates and sets out how cyber wordings respond through BI waiting periods, extortion sub-limits, systemic exclusions and dependent-business-interruption.

By Sarvada Editorial Team

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Market & Trends - June 9, 2026 - 11 min read

FY26 General Insurance in India: Rs 3.36 Lakh Crore, Health Now the Largest Line, and the Underwriting-Profitability Squeeze

FY26 Indian general insurance gross direct premium reached about Rs 3.36 lakh crore, up roughly 9.3%, with health overtaking motor and crop to become the largest line and standalone health insurers growing about 19.4%. Behind the topline sits an underwriting-profitability squeeze. This piece reads the FY26 numbers and traces how insurer profitability stress and the health-versus-commercial mix shift feed into commercial renewal pricing discipline and capacity behaviour.

By Sarvada Editorial Team

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Regulation & Compliance - June 9, 2026 - 14 min read

The OSH Code 2020 and Employer Liability and Workers Compensation Insurance in India 2026: Consolidated Safety Duties and How Cover Responds

The Occupational Safety, Health and Working Conditions Code 2020 consolidates thirteen labour laws into a single statute governing factories, contract labour, inter-state migrant workers, safety committees and welfare. As the central rules and state rules are notified and implementation phases in, the consolidated safety and welfare duties reshape employer liability, and the way workmen compensation and employers liability cover responds turns on wage definitions, contractor liability and sum-insured design.

By Tarun Kumar Singh

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Underwriting & Risk - June 9, 2026 - 17 min read

Port and Terminal Operator Liability Underwriting in India 2026: TOLL, Stevedore Liability and Care-Custody-Control

Indian port and terminal operators carry a layered liability exposure: legal liability for the cargo and property of others in their care, custody and control, stevedore and cargo-handling liability, damage to port equipment, marine and pollution risk, and the indemnities written into concession contracts. Underwriting the class means reading the terminal operator legal liability cover, the contractual position and the Major Port Authorities Act context together.

By Tarun Kumar Singh

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Industry Risk Profiles - June 9, 2026 - 11 min read

Tyre Manufacturing Plant Risk Profile in India 2026: Rubber Fire Load, Curing Presses and the High-PML Property Picture

Tyre plants combine an extreme combustible fire load of rubber, carbon black and process oils with high-temperature Banbury mixers and curing presses, producing some of the highest probable and maximum foreseeable loss single risks in Indian property underwriting. The risk profile spans fire and explosion property, machinery breakdown, a global product-liability and recall tail on exports, and a long business-interruption recovery, all under EV-driven demand growth.

By Tarun Kumar Singh

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Market & Trends - June 9, 2026 - 12 min read

Wholesale and Specialty Broking Emerges in India 2026: FDI, Binders, GIFT City and the Reshaping of Risk Placement

Wholesale and specialty broking is taking shape in the Indian commercial-insurance market as 100 percent FDI for intermediaries, complex specialty risks, MGA and binder facilities, Lloyd's coverholder access and foreign reinsurer entry converge. This piece sets out what wholesale broking is, why it is appearing now, and what it means for retail brokers and corporate buyers.

By Sarvada Editorial Team

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AI & Insurtech - June 8, 2026 - 15 min read

AI-Assisted Endorsement Drafting on Broker Platforms in India 2026

Mid-term endorsements are high-volume, error-prone and consequential: a poorly drafted endorsement can void cover or create a dispute at claim. AI-assisted drafting on broker platforms generates endorsement wording from instructions, checks it against the base policy, and keeps version control and an audit trail, with human review and IRDAI documentation expectations holding it together.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - June 8, 2026 - 20 min read

Climate-Tech and Carbon MRV Startup Insurance India 2026: Verification PI, Credit Invalidation and the CCTS

Indian carbon MRV and climate-tech startups face professional-indemnity exposure on verification and methodology errors, carbon-credit invalidation and reversal risk, and crime exposure. This piece details PI, technology E&O, fidelity cover, and the Indian Carbon Credit Trading Scheme context.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 8, 2026 - 12 min read

Combustible-Dust Explosions in Indian Pharma and Food Plants 2026: A Process-Safety and Underwriting Problem

A combustible-dust explosion is a distinct process-safety hazard for pharma-API, food-processing and chemical plants, and it triggers property, employers' liability, business-interruption and product or recall cover all at once. Anchored on the June 2025 Sigachi Industries explosion, this piece sets out dust hazard analysis, ignition control, Factories Act duties, and the loss-prevention controls underwriters check before they price the risk.

By Sarvada Editorial Team

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Industry Risk Profiles - June 8, 2026 - 14 min read

Edible Oil Refinery and Solvent Extraction Plant Risk Profile in India 2026: Hexane, Fire and Explosion, and the Insurance Picture

Edible oil refineries and solvent extraction plants run on hexane, a highly volatile, flammable solvent whose vapour, combined with hot processing, dust, boilers and vast stored stocks of oil and oilseed, makes the sector one of the more severe fire and explosion exposures in Indian process industry. The risk profile spans property and machinery breakdown, single-line business interruption tied to oilseed seasonality, stock and transit, liability, and an underwriting picture driven by hexane control and fire protection.

By Sarvada Editorial Team

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Regulation & Compliance - June 8, 2026 - 7 min read

Insurance Laws Amendment Act in Force from 5 February 2026: The Operational Compliance Map for 100% FDI

The Insurance Laws (Sabka Bima Sabki Raksha) Amendment Act 2025 commenced for most provisions on 5 February 2026, raising FDI to 100% under the automatic route with a resident chair or CEO condition, IRDAI approval for transfers above 5%, and enhanced IRDAI powers including disgorgement. This post sets out what changed against the earlier 74% regime and the operational compliance map for foreign entrants, M&A and broker firms.

By Sarvada Editorial Team

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Underwriting & Risk - June 8, 2026 - 16 min read

PML, MFL and the COPE Study: How Indian Property Underwriters Derive Maximum Loss and How Brokers Challenge an Inflated PML

Probable Maximum Loss and Maximum Foreseeable Loss are the numbers that drive property reinsurance, net retention and sum-insured adequacy in the post-de-tariff Indian market, and they are derived from a COPE study (Construction, Occupancy, Protection, Exposure). This piece works through how PML and MFL are built from COPE, how separation and sprinkler credits move them, and how a broker can challenge a PML the underwriter has set too high.

By Tarun Kumar Singh

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Industry Risk Profiles - June 8, 2026 - 14 min read

Semiconductor OSAT and ATMP Operational Insurance in India 2026: Cleanroom Fire, Equipment Breakdown and Yield-Loss BI

India's first operational semiconductor facilities of the current cycle are assembly, test, marking and packaging plants built under the India Semiconductor Mission, and their operational-phase risk is different from the construction-phase EAR that has dominated the conversation so far. Cleanroom fire driven by combustible chemicals and hazardous gases, high-value equipment machinery breakdown, contamination and yield-loss business interruption, and the marine transit of fragile, high-value tools all need underwriting that conventional manufacturing templates handle poorly. This post sets out the operational-phase exposures and how the programme should be built.

By Sarvada Editorial Team

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Insurance Products - June 8, 2026 - 15 min read

Specie Insurance in India 2026: Cash, Bullion, Jewellers Block and Fine Art Cover for High-Value Asset Holders

Specie insurance covers high-value cash and valuables in vaults, in custody and in transit for banks, jewellers, bullion dealers, museums and vault operators. This buyer's guide explains what specie covers, how it differs from a standard burglary policy, vault cash-rating and warranties, valuation, exclusions, underwriting and claims.

By Sarvada Editorial Team

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Operations & Best Practices - June 8, 2026 - 18 min read

Sum Insured Adequacy Review for Indian Corporates 2026: The Average Clause, Reinstatement Value and Asset Register Hygiene

Underinsurance is the most common and most avoidable cause of a shortfall at claim time, because the average clause cuts the payout in proportion to the under-declaration. This post sets out a periodic sum insured adequacy review workflow covering reinstatement value, the average clause, asset register hygiene, indexation and valuation cadence.

By Tarun Kumar Singh

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Market & Trends - June 7, 2026 - 15 min read

Bancassurance Open Architecture and Commercial-Lines Distribution in India 2026: Tie-Up Limits, the SME Opportunity and What It Means for Brokers

The corporate-agent model lets a bank tie up with a limited number of insurers per category, and IRDAI's open-architecture push, including proposals to expand or remove those caps, is reshaping how banks reach the under-penetrated SME and commercial market. The distribution economics, the conduct and mis-selling risk, and the competitive pressure on brokers and insurers for commercial business are the real story behind the regulatory detail.

By Sarvada Editorial Team

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Regulation & Compliance - June 7, 2026 - 14 min read

BIS Quality Control Orders and Product Liability and Recall Insurance in India 2026: How Mandatory Standards Reshape Manufacturer and Importer Exposure

The widening regime of mandatory BIS Quality Control Orders, issued by line ministries under the BIS Act 2016, is making ISI and BIS certification compulsory across steel, chemicals, electronics, toys, footwear and machinery. For manufacturers and importers, non-conforming goods now carry sharper product liability, market-withdrawal and recall exposure, and the way product-liability and product-recall policies respond turns on certification status, exclusions and supply-chain liability.

By Tarun Kumar Singh

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