Insights

Research and insights for modern underwriting teams

Explore underwriting workflows, regulator-sourced risk research, and operational best practices.

Library

Regulator-sourced research, briefings, and editorial analysis

Topics

Underwriting, claims, insurance products, and regulation

Latest

August 16, 2026

Browse by topic

1217 articles

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

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

Nuclear Power Plant Operator Risk Profile in India 2026: INIP Capacity, CLNDA Operator Liability and the Property-and-BI Programme

A risk profile for India's civil nuclear operators, the established public operator and the private and foreign entrants the 2025 reform invites, distinguishing the statutory third-party liability layer carried by the India Nuclear Insurance Pool from the conventional property, machinery-breakdown and business-interruption programme a reactor still needs.

By Sarvada Editorial Team

Read article

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

Plywood and MDF Wood-Panel Plant Risk Profile in India 2026: Resin Fire Load, Press-Line Hazards and the BIS QCO Shift

Engineered-wood plants making plywood, MDF and particle board combine a heavy fire load of wood, dust and resin with high-temperature press and dryer lines, producing a fire, machinery-breakdown and product-liability exposure distinct from paper mills or printing plants. This profile examines the dust and resin ignition risk, the hot-press and dryer hazards, the consolidation driven by the 2025 BIS Quality Control Orders, and how the property and liability covers respond.

By Sarvada Editorial Team

Read article

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

PMFBY 2.0 and the Tech Overhaul of Crop Insurance: FIAT, YES-TECH and the 12% Delay Penalty

The latest PMFBY reform package layers remote-sensing yield estimation, automated claims and a technology fund onto India's crop-insurance scheme, while penalising insurers for delays. This market-trends read explains for agri-insurance underwriters and brokers how transparency, escrow funding and tech infusion are changing the economics of the line through 2026.

By Sarvada Editorial Team

Read article

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

Pumped Storage Hydropower Project Risk Profile in India 2026: EAR/ALOP for the 100 GW Build-Out and the Delay-in-Start-Up Exposure

Pumped storage projects are India's fastest-growing grid-storage class, and their construction phase carries a distinct underground-works and delay-in-start-up exposure that solar and battery storage do not. This profile sets out the erection all risks and advance loss of profits picture for off-stream pumped storage powerhouses, the tunnelling and geological hazards, and the developer concentration that creates portfolio accumulation for insurers and brokers.

By Sarvada Editorial Team

Read article

Operations & Best Practices - July 1, 2026 - 10 min read

Net Premium Pricing and Broker Fees on Large Corporate Accounts in India 2026: Section 64VB, GST Mechanics, and Documentation

A working guide for placement teams on net-of-brokerage quoting: when insurers quote net on large accounts, how to convert brokerage into a client-paid fee, the Section 64VB and GST mechanics of fee invoicing, the documentation file, and the double-dipping pitfalls that the 2026 disclosure push will expose.

By Tarun Kumar Singh

Read article

Operations & Best Practices - July 1, 2026 - 9 min read

Orphan Policies and Broker-of-Record Changes: BOR Letter Mechanics, Commission Transfer, and the Servicing Obligations You Inherit

Taking over an orphaned or BOR-changed commercial policy is not a free renewal win. How BOR letters actually work with Indian insurers, why mid-term transfers rarely move commission before renewal, the servicing duties the incoming broker inherits immediately, and the disputes with outgoing brokers to settle in advance.

By Tarun Kumar Singh

Read article

Operations & Best Practices - July 1, 2026 - 10 min read

Commission Leakage Audits for Broking Firms: Finding Unbilled Endorsements, Missed Renewal Credits, and Insurer Short-Payments

Most Indian broking firms leak 1 to 4 percent of commission income through unbilled endorsements, missed renewal credits, statement mismatches, and short-payments. A practical audit method, the leakage families to test first, and the recovery ranges a mid-size broker can realistically expect.

By Tarun Kumar Singh

Read article

Insurance Products - July 1, 2026 - 6 min read

Bankers Indemnity and the Blanket Bond in India: Crime, Forgery and Cyber-Fraud Cover for Banks, NBFCs and Fintechs

The Bankers Indemnity Policy, also known as the Bankers Blanket Bond, is the core fidelity-crime cover for financial institutions, yet its clause-by-clause structure and its limits on electronic fraud catch many buyers out. This guide walks through the insuring-clause architecture, the employee-collusion proof problem, the cyber sub-limit gap, and how the product applies to NBFCs and fintechs facing rising digital-payment fraud.

By Sarvada Editorial Team

Read article

Insurance Products - July 1, 2026 - 6 min read

Carrier's Legal Liability Insurance in India: Insuring the Road Transporter Under the Carriage by Road Act 2007

Carrier's Legal Liability insurance protects the road transporter, not the cargo owner, against claims for goods lost or damaged in transit. This post explains how the cover sits against the Carriage by Road Act 2007, why the ten-times-freight limit and declared-value mechanics decide what gets paid, how fire, explosion and accident triggers work, and where 3PLs and fleet operators are quietly under-insured.

By Sarvada Editorial Team

Read article

Insurance Products - July 1, 2026 - 6 min read

Commercial Poultry and Livestock Insurance for India's Contract-Farming Operators: Mortality Cover, Subsidy Mechanics and the Disease Exclusions That Bite

Integrators and contract farmers running layer, broiler and dairy operations face concentrated mortality risk from disease and weather, yet the policies meant to cover it are full of conditions that decide whether a claim pays. This post sets out how poultry and livestock mortality cover is built, the valuation-table and 80% indemnity mechanics, where the government subsidy applies, and the disease exclusions and underwriting conditions that leave commercial-scale operators exposed.

By Sarvada Editorial Team

Read article

Market & Trends - July 1, 2026 - 6 min read

Corporate Group Health Hardens in 2026: Medical Inflation, 90%-Plus Loss Ratios and the Employer Renewal Squeeze

Health is now the largest general-insurance line in India, but corporate group mediclaim is repricing hard. Medical inflation running near 14% and claims ratios past 90% are forcing insurers to push rate, and the squeeze is reshaping how 2026 renewals are rated and structured. This post is a market read for brokers placing employee-benefit programmes: the inflation and loss-ratio drivers, the levers insurers are pulling, and how to take an employer through a hardening renewal.

By Sarvada Editorial Team

Read article

Insurance Products - July 1, 2026 - 7 min read

Deterioration of Stock (DOS) Insurance for Indian Cold Stores and Pharma Cold Chain: The Cover That Sits on Top of Machinery Breakdown

Cold-chain operators often assume their stock is covered when their refrigeration plant breaks down, but spoilage cover is a separate engineering product with strict preconditions. This guide explains Deterioration of Stock insurance, why it depends on an underlying Machinery Breakdown policy, the standby-power conditions behind the FOES extension, and where vaccine and pharmaceutical stock leaves operators exposed.

By Sarvada Editorial Team

Read article

Insurance Products - July 1, 2026 - 6 min read

Inherent Defects Insurance for Indian Real Estate: Insuring the RERA Five-Year Structural Liability the Developer Carries

Indian developers carry a five-year RERA obligation to rectify structural defects after handover, but most carry it on their own balance sheet. Inherent Defects Insurance turns that latent-defect liability into a first-party building cover, validated by independent technical inspection. This post explains how IDI works, how its decade-long term lines up against the RERA window, how it differs from title insurance and Construction All Risks, and what could finally push adoption.

By Sarvada Editorial Team

Read article

Market & Trends - July 1, 2026 - 6 min read

Insurtech's Funding Winter Reaches India: The 2026 Capital Pullback and What It Means for Distribution

After the 2021 boom, Indian insurtech funding has collapsed and consolidation is setting in. With investment down sharply and capital flowing only to a few late-stage names, the survivors-versus-shutdowns dynamic now matters to any broker leaning on insurtech rails, MGA platforms or embedded-distribution partners. This post maps the pullback, why it happened, and how a commercial broker should treat partner runway as a live operational risk in 2026.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - July 1, 2026 - 7 min read

Constructive Total Loss and Notice of Abandonment in Indian Marine Claims 2026: How a Wrong Notice Turns a Total Loss Into a Partial One

A damaged or stranded consignment can qualify as a constructive total loss under the Marine Insurance Act 1963, yet still settle as a partial loss if the assured mishandles the notice of abandonment. This guide walks through when a CTL arises, the election the assured must make, the strict notice requirement under Section 62, and the procedural trap that quietly downgrades a total-loss recovery.

By Sarvada Editorial Team

Read article

Insurance Products - July 1, 2026 - 6 min read

Public Offering of Securities Insurance (POSI) for Indian IPOs: Why D&O Alone Leaves the Prospectus Exposed

Boards heading into an IPO often assume their D&O policy will absorb any claim arising from the prospectus. It will not do so cleanly. This guide explains POSI as a distinct, ring-fenced transactional cover for prospectus liability, the Companies Act 2013 triggers that drive the exposure, who POSI protects that D&O does not, and why a multi-year structure matches the liability tail.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - July 1, 2026 - 6 min read

Sue and Labour: Recovering Loss-Minimisation Expenses on Indian Marine and Property Claims 2026

When an insured peril strikes, the money a business spends to stop the loss getting worse is itself recoverable under the sue and labour duty and clause. This guide explains how sue and labour works as a separate head of claim, the reasonableness limit, the requirement that the peril be operative or imminent, and how poor mitigation can shrink the main recovery as well.

By Sarvada Editorial Team

Read article

Underwriting & Risk - June 30, 2026 - 6 min read

Reinstatements, the Hours Clause and What Counts as One Event: Catastrophe Treaty Mechanics for Indian Property Books in 2026

When a cyclone or a monsoon flood hits an accumulated property book, the recoverable is the output of treaty mechanics most direct underwriters treat as a black box. The hours clause decides whether a multi-day flood is one event or three. Reinstatements decide how many times the catastrophe layer can be tapped. The event definition decides clash. This post unpacks those clauses for catastrophe-exposed Indian property books and shows why they shape what an underwriter can safely accumulate.

By Tarun Kumar Singh

Read article

Underwriting & Risk - June 30, 2026 - 6 min read

Claims-Made, Occurrence and the Retroactive Date: Underwriting the Trigger on Indian Liability Policies in 2026

The most expensive gap in an Indian liability programme is usually not the limit but the trigger. Professional indemnity, directors and officers, and product liability are written claims-made, so the retroactive date and the continuity of cover decide whether an old wrongful act is covered when a claim finally lands. This post explains how claims-made differs from occurrence cover, why the retroactive date must be preserved across renewals, and how brokers guard against a silent retro reset.

By Tarun Kumar Singh

Read article

Underwriting & Risk - June 30, 2026 - 6 min read

Delegated Authority, Binders and Bordereaux: Underwriting Governance for MGAs and Coverholders in India 2026

With the Insurance Amendment Bill bringing managing general agents formally inside the intermediary definition, delegated underwriting in India is moving from a grey area toward a regulated discipline. This post sets out how a binder defines the authority an insurer hands to an MGA, what underwriting guidelines and limits must sit inside it, and how bordereaux reporting and audit rights let an insurer keep control of a book it does not directly write.

By Tarun Kumar Singh

Read article

Claims & Loss Prevention - June 30, 2026 - 6 min read

Employees' Compensation Act Claims in India 2026: Commissioner Adjudication, the Compensation Schedule and the Default Interest Trap

Settling a workplace injury or death claim under the Employees' Compensation Act 1923 runs on a statutory schedule, a Commissioner who adjudicates disputes, and a default interest plus penalty that bites employers who pay late. This post is a claims-mechanics guide for brokers placing employer's liability and workers' compensation cover for contract-labour-heavy operations, covering computation, the Commissioner's role, occupational disease and the one-month default trap.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - June 30, 2026 - 6 min read

No-Fault Claims Under the Public Liability Insurance Act 1991: Mandatory Cover, the Environment Relief Fund and What Hazardous-Substance Handlers Actually Pay Out

The Public Liability Insurance Act 1991 imposes strict, no-fault liability on anyone handling hazardous substances and makes liability insurance mandatory. Victims claim immediate relief without proving negligence. This post explains how the claims side works: the District Collector's role, the twin payout from the mandatory policy and the Environment Relief Fund, and why brokers must not confuse this statutory cover with voluntary public-liability programmes.

By Sarvada Editorial Team

Read article

Underwriting & Risk - June 30, 2026 - 6 min read

Building Commercial Capacity Through Treaty Structures: Quota Share, Surplus and Excess of Loss in India 2026

Most Indian commercial capacity is not a single number an underwriter picks. It is assembled in layers of proportional and non-proportional treaty that sit behind the direct policy. This post explains how a quota share, a surplus treaty and per-risk and catastrophe excess of loss combine to set the line a direct insurer can offer, why ceding commission and reinstatements matter, and how treaty terms quietly constrain a book before facultative is even needed.

By Tarun Kumar Singh

Read article

Claims & Loss Prevention - June 30, 2026 - 6 min read

RSMD and SRCC Claims After Civil Unrest in India 2026: Where the Fire Add-On Ends and the Terrorism Pool Begins

When a factory is damaged by rioting, a labour strike or mob action, the claim usually settles under the RSMD add-on to the Standard Fire and Special Perils policy. But cross the line into excluded terrorism and only the Indian terrorism pool responds. This post is a claims-practice playbook for characterising the peril, building the FIR and evidence trail, holding the malicious-damage line, and answering the common repudiation grounds.

By Sarvada Editorial Team

Read article

Sarvada Intelligence

Use these ideas inside your underwriting workflow

See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.

Explore the platformContact the team