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October 8, 2026

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1513 articles

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

Regulation & Compliance - August 20, 2026 - 10 min read

Bombay High Court Lets a Broking Firm Keep Its Family Name but Bars It From Jewellery Insurance

On 19 August 2026 the Bombay High Court held that the own-name defence under Section 35 of the Trade Marks Act is not necessarily restricted to natural persons, letting Kataria Insurance Brokers keep its corporate name against a registered KATARIA mark. The relief came with a bar on jewellery insurance, a dormant domain, disclaimers, and six-monthly audited revenue filings. What that means for India's surname-branded brokers.

By Tarun Kumar Singh

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Insurance Products - August 20, 2026 - 8 min read

Hospital Tariffs Are the Tip of the Iceberg: Provider Economics and Why Your FY27 Group Health Renewal Cannot Be Held Flat

In one week of August 2026, NATHEALTH argued hospital tariffs are only the visible layer of a capital-intensive cost base, BCG showed general insurers running a 113% combined ratio, and Kotak reported that health is carrying non-life growth while commercial lines shrink. Corporate buyers who treat group health inflation as an insurer pricing choice are reading the renewal wrong, and this post sets out which levers actually move an FY27 outcome.

By Sarvada Editorial Team

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Risk Management Strategies - August 20, 2026 - 9 min read

Tamil Nadu's 365-Day Maternity Leave: Payroll Cost, Insurance Cost, and Which One Your GMC Actually Carries

Tamil Nadu's 18 August 2026 order gives women government employees 365 days of maternity leave for a third child, and private-sector HR teams are already being asked to match it. Before answering, an employer needs to separate the two cost streams maternity actually creates: paid leave, which is payroll, and delivery expenses, which sit inside the group mediclaim policy under their own sub-limits and conditions.

By Tarun Kumar Singh

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Underwriting & Risk - August 20, 2026 - 11 min read

Two Insurers on Your Group Health Panel Just Got Sanctioned: A Diligence Checklist, Not a Panic Button

IRDAI has issued orders against Acko General and Niva Bupa over FY2024-25 Expenses of Management breaches, with Niva Bupa barred from opening any new place of business for six months. Neither order stops them writing group mediclaim, but both change the diligence conversation. Here is a concrete panel-review checklist, and a clear line on when a sanction is and is not a reason to move a group policy.

By Tarun Kumar Singh

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Claims & Loss Prevention - August 20, 2026 - 11 min read

The Godown Burned and the Mill Stopped: Fire BI When the Damage Is Only to Stock

A godown fire that touches only raw-material stock can still stop an entire mill, and the standard Indian consequential loss wording handles that scenario badly unless the indemnity period, time excess and storage extensions were designed for it. A walkthrough for paper, packaging and recycling manufacturers, built around the August 2026 Subam Papers fire at Tirunelveli.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - August 19, 2026 - 9 min read

PFRDA Extends the NPS e-Shramik Incentive to March 2027: Costing a Gig Benefit Stack an Aggregator Can Afford

A PFRDA circular dated 18 August 2026 gives the NPS e-Shramik incentive framework another year, and Zomato's rollout has already crossed 2 lakh PRANs. Retirement is now the cheapest layer of the gig benefit stack. This post costs the full three-layer stack per active worker and maps it against the Code on Social Security contribution.

By Sarvada Editorial Team

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Risk Management Strategies - August 19, 2026 - 9 min read

The Quietest Catastrophe Half-Year Since 2020 Is the Worst Moment to Cut Your Cat Limits

Swiss Re Institute put global insured nat-cat losses at US$42 billion in H1 2026, the lowest first half since 2020. But 58% of annual insured catastrophe losses historically fall in the second half, and India's own exposure window (late monsoon, Bay of Bengal cyclones, north-east monsoon) sits inside it. This post explains why a benign first half plus a softening market tempts corporates into trimming nat-cat sub-limits at exactly the wrong point, and how to stress-test limits before October.

By Tarun Kumar Singh

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Insurance Products - August 19, 2026 - 9 min read

IVF and Fertility in Indian Group Health: What the Standard Exclusion Says and What Employers Buy Instead

Two 19 August 2026 reports flagged the same gap: IVF costs in India keep rising while insurance cover stays behind a standard exclusion. Here is how the exclusion is drafted in group wordings, how insurers carve it back by endorsement, and how a capped employer-funded fertility wallet compares with an insured rider on cost, tax and administration.

By Sarvada Editorial Team

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Market & Trends - August 19, 2026 - 9 min read

Prudential Clears CCI for 75% of Bharti Life: What a Change of Insurer Ownership Does to Your Programme

The CCI has approved Prudential's acquisition of a 75% stake in Bharti Life Insurance, one of the first large control deals under the 100% FDI regime. Here is what an ownership change at your insurer actually does to underwriting authority, reinsurance security, claims handling, and long-tail placements, and the questions to ask before renewal.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 19, 2026 - 10 min read

US Quartz Safeguard Tariffs Hit on 15 August: Trade Credit and Stranded-Stock Exposure for Gujarat and Rajasthan Exporters

The US safeguard on quartz surface products took effect on 15 August 2026 at 25% in-quota and 50% over-quota, and India received no country-specific quota despite sending 72.5% of its quartz surface-product exports to the US. For engineered-stone makers in Gujarat, Rajasthan and Telangana, the insurance questions now run from trade credit limits on US distributors to slabs sitting unsold in US warehouses.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 19, 2026 - 9 min read

The UK Just Proposed an Onshore Captive Regime: How It Compares With GIFT City for an Indian Group

The PRA and FCA have proposed a UK onshore captive regime with exemption from UK Solvency II, fronting for compulsory classes, and authorisation targeted at four to six weeks, aiming for launch by summer 2027. For Indian conglomerates already weighing GIFT City against Bermuda and Singapore, a credible London option changes the domicile shortlist.

By Sarvada Editorial Team

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AI & Insurtech - August 19, 2026 - 10 min read

Munich Re Is Paying $575m for a Cyber Insurer That Sells Security: What InsurSec Would Change in an Indian Placement

Munich Re's agreement to acquire At-Bay at a $575 million enterprise value signals that cyber underwriting bundled with continuous security monitoring is now reinsurer strategy. This post examines whether the model is placeable in India, what DPDP does to scanning data, and how scan-based conditions and MFA or EDR warranties change what brokers must manage mid-policy.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 18, 2026 - 11 min read

Five P&I Clubs Cancelled Fixed-Premium War Cover on 16 August: What Indian Charterers and Cargo Owners Inherit

Skuld, UK P&I, London P&I, GARD and NorthStandard cancelled war risk cover for fixed-premium assureds across the southern Red Sea, Gulf of Aden and parts of the Indian Ocean from 00:01 GMT on 16 August 2026. The exposed vessels are the coastal, feeder and small tramp tonnage Indian trade relies on, and the gap lands on their charterers and cargo interests.

By Sarvada Editorial Team

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Industry Risk Profiles - August 18, 2026 - 11 min read

Electric Trucks Cleared to Run to 20 Years: The Battery IDV and Own-Damage Problem Nobody Has Priced

The government has proposed lifting national-permit age limits to 17 and 20 years for battery, hydrogen and natural gas commercial vehicles. Indian motor own-damage pricing was built for a diesel fleet that exits at 15. This post sets out what EV fleet operators should negotiate now on battery depreciation, IDV basis, fire sub-limits and recovery handling.

By Sarvada Editorial Team

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Operations & Best Practices - August 18, 2026 - 9 min read

"Our Manager Said You're Covered" Is Not Cover: Rewriting the Placement SOP After Louis Dreyfus

In 2026 INSC 876 the Supreme Court held that no officer of an insurer, whatever their designation, can waive the Section 64VB requirement that premium precede risk. This piece rewrites the placement SOP around that holding: what must be in writing before binding, how to paper a mid-term limit increase, and what to do when the client's payment is in transit.

By Tarun Kumar Singh

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Claims & Loss Prevention - August 18, 2026 - 10 min read

Supreme Court, 18 August 2026: A Marine Turnover Policy Stops Covering the Moment Declared Turnover Runs Out

In New India Assurance v. Louis Dreyfus Commodities India (2026 INSC 876), the Supreme Court refused a Rs 22.01 crore cotton-bale fire claim because turnover had crossed Rs 1,724.12 crore against a Rs 1,200 crore annual turnover policy, and the top-up premium arrived only after the loss. The declaration and limit-monitoring controls that prevent this.

By Sarvada Editorial Team

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