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

July 2, 2026

Browse by topic

956 articles

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

Regulation & Compliance - June 5, 2026 - 7 min read

DPDP Rules 2025 and the Insurance Compliance Timeline: What the Phased Clock Means for Insurers, Brokers and TPAs

The Digital Personal Data Protection Rules 2025, notified on 13 November 2025, put a phased clock on the obligations insurers, brokers and TPAs carry as Data Fiduciaries. This post sets out the three-stage sequence to 13 May 2027, what consent, breach notification and data-principal rights demand operationally, and how it intersects with the IRDAI cyber guidelines.

By Sarvada Editorial Team

Read article

Underwriting & Risk - June 5, 2026 - 13 min read

A Below-Normal 2026 Monsoon Inverts the Risk: Drought, El Nino and Water-Shortage Underwriting for Indian Commercial Risks

For years Indian monsoon underwriting has meant flood and catastrophe. 2026 inverts that: IMD forecasts a below-normal monsoon at 90% of the long-period average, El Nino is developing, and there is about a 60% chance of a deficient season. A drought year reshapes commercial underwriting around water shortage, non-damage business interruption, power generation, agri-corporate and water-intensive manufacturing exposure rather than flood. This piece sets out the inverted framing.

By Tarun Kumar Singh

Read article

Global & Cross-Border Insurance - June 5, 2026 - 9 min read

Freight Forwarder Liability Insurance in India 2026: Covering the NVOCC, Multimodal and Cross-Border Exposure

Indian freight forwarders and multimodal transport operators carry liability that a standard marine cargo policy does not address, arising from contracts of carriage, NVOCC bills of lading and the network of carriers they engage. This guide maps freight forwarder liability exposure and how cover responds across the cross-border supply chain.

By Sarvada Editorial Team

Read article

Market & Trends - June 5, 2026 - 9 min read

The Commercial Insurance Pricing Cycle in India FY2026: Reading the Soft and Hard Market for Renewals

Commercial insurance rates move in cycles driven by capacity, loss experience and reinsurance cost, and FY2026 finds Indian buyers in a mixed market that is softening in some lines while firming in others. This guide explains the pricing cycle, what is driving rates line by line, and how buyers should time and structure renewals across the cycle.

By Sarvada Editorial Team

Read article

Regulation & Compliance - June 5, 2026 - 13 min read

Jan Vishwas Act and the Decriminalisation Shift 2026: What Moving from Jail to Penalties Means for Liability Insurance

The Jan Vishwas (Amendment of Provisions) Act 2023 decriminalised 183 provisions across 42 central Acts, converting many criminal offences into civil and monetary penalties, with a Jan Vishwas 2.0 round in progress. This post explains what the shift from imprisonment to penalties means for corporate compliance risk and liability insurance, why fines and penalties are generally uninsurable, and how brokers should re-frame the compliance-risk conversation around D&O, management-liability and legal-expenses cover.

By Tarun Kumar Singh

Read article

Risk Management Strategies - June 5, 2026 - 17 min read

Operational Resilience for Indian Corporates 2026: Important Business Services, Impact Tolerances and Insurance Mapping

Operational resilience goes beyond classic business continuity by defining important business services, setting impact tolerances and proving the firm can stay within them through severe disruption. This post sets out the framework for Indian corporates and maps where business interruption, contingent BI and cyber cover fit the resilience gaps.

By Tarun Kumar Singh

Read article

Insurance Products - June 5, 2026 - 14 min read

Title Insurance for Indian Real Estate 2026: The RERA Mandate, What It Covers and Why Adoption Lags

RERA Section 16 requires promoters to insure the title of land and building, yet title insurance remains a maturing and under-adopted product in India. This post explains what title insurance covers, the difference between owner's and lender's policies, why adoption has lagged despite the mandate, the products available from Indian insurers, how underwriting and title due diligence interact, and how developers and lenders should evaluate the cover.

By Sarvada Editorial Team

Read article

AI & Insurtech - June 4, 2026 - 13 min read

AI Subrogation Recovery Automation in India 2026: Finding the Recoveries Insurers Leave on the Table

Subrogation recovery is where Indian insurers leave the most money uncollected, because identifying recoverable claims and pursuing third parties is manual, slow and inconsistent. This guide maps how AI is being applied to surface recovery opportunities, prioritise pursuit and improve recovery rates across motor, property and commercial lines.

By Sarvada Editorial Team

Read article

Industry Risk Profiles - June 4, 2026 - 12 min read

Auto-Component Foundry and Forging Plant Risk Profile in India 2026: Molten Metal, Furnace Fire and the Insurance Picture

Auto-ancillary foundries and forging plants in the Pune, Chennai, Rajkot and Gurgaon belts combine molten-metal handling, induction and cupola furnaces, metal and sand dust, heavy presses and a safety-critical product liability tail, all feeding original-equipment makers on tight just-in-time schedules. The risk profile spans property and machinery breakdown, employer's liability for a hot and heavy workforce, product liability and recall on castings and forgings, and a contingent business-interruption link into the OEM line.

By Tarun Kumar Singh

Read article

Regulation & Compliance - June 4, 2026 - 14 min read

Bharatiya Nyaya Sanhita and Corporate Liability Insurance 2026: How the New Criminal Codes Reshape Director and Officer Exposure

From 1 July 2024 the Bharatiya Nyaya Sanhita, Bharatiya Nagarik Suraksha Sanhita and Bharatiya Sakshya Adhiniyam replaced the IPC, CrPC and Evidence Act. This post sets out how the new criminal codes change corporate and director criminal exposure, what D&O, crime and legal-expenses cover must respond to, and how the criminal-acts exclusion and defence-cost advancement interact with the new offence and procedure framework.

By Tarun Kumar Singh

Read article

Operations & Best Practices - June 4, 2026 - 16 min read

Broker Client Onboarding in India 2026: KYC, AML/PMLA, Beneficial Ownership and Sanctions Screening Workflow

Indian commercial insurance brokers carry direct obligations under PMLA, the IRDAI AML master guidelines and CKYC norms when onboarding corporate clients. This post sets out a structured onboarding workflow covering KYC/CKYC, beneficial ownership, risk categorisation, sanctions screening and audit trail.

By Tarun Kumar Singh

Read article

Operations & Best Practices - June 4, 2026 - 11 min read

Insurance Broker Errors and Omissions Insurance in India 2026: Designing the PI Program IRDAI Requires

IRDAI requires every licensed insurance broker to carry professional indemnity cover, but the statutory minimum rarely matches real exposure. This guide maps the IRDAI Insurance Brokers Regulations 2018 PI requirements, how to size limits against remuneration and book risk, and the wording terms that decide whether a broker E&O claim actually pays.

By Sarvada Editorial Team

Read article

Underwriting & Risk - June 4, 2026 - 16 min read

Cold Storage and Ammonia Refrigeration Underwriting in India 2026: Fire Load, R-717 Toxicity and Stock Deterioration BI

Cold storage facilities running ammonia (R-717) refrigeration combine fire and earthquake property exposure, a toxic and flammable refrigerant under PESO and Factories Act control, and a stock deterioration business interruption profile that conventional property underwriting templates handle poorly. Underwriters and brokers need a structured approach to the machinery, the refrigerant and the perishable stock together.

By Tarun Kumar Singh

Read article

Insurance for Startups & New Economy - June 4, 2026 - 15 min read

Healthtech and Teleconsultation Startup Insurance India 2026: Clinical Liability, Tech PI and DPDP Data Risk

When a remote consultation goes wrong, who answers for it: the doctor on the screen or the platform that routed the patient? Indian teleconsultation startups must insure both sides of that split, plus software-driven harm and the sensitivity of health records. This piece works through clinical indemnity, technology PI, cyber and DPDP exposure for healthtech founders.

By Sarvada Editorial Team

Read article

Global & Cross-Border Insurance - June 4, 2026 - 9 min read

India-UAE CEPA and Trade Credit Insurance 2026: Protecting Receivables in a Fast-Growing Corridor

The India-UAE CEPA has driven rapid growth in bilateral non-oil trade, expanding the receivables Indian exporters carry on UAE and onward Gulf buyers. This guide maps how trade credit insurance protects those receivables, the choice between ECGC and commercial cover, and the corridor-specific risks of selling into the UAE and re-export markets.

By Sarvada Editorial Team

Read article

Insurance for Startups & New Economy - June 4, 2026 - 9 min read

Real Money Gaming Platform Insurance in India 2026: Liability, Cyber and Regulatory Risk After the Gaming Law

The Promotion and Regulation of Online Gaming Act 2025, in force from 1 May 2026, prohibits online money games whether skill or chance based, leaving former real money gaming operators with run-off liability, cyber, crime and D and O exposures. This guide maps those exposures and the insurance that still matters during wind-down and pivot.

By Sarvada Editorial Team

Read article

Insurance Products - June 4, 2026 - 14 min read

Parametric Solar-Irradiance and Wind Resource-Adequacy Insurance in India 2026: Lender Covenants, Trigger Design and Basis Risk

Parametric solar-irradiance and wind resource-adequacy cover pays against a measured shortfall in sunlight or wind rather than physical damage, filling the one gap an indemnity property and business-interruption programme cannot. It is becoming a financing covenant on Indian solar and wind projects. This post covers trigger design, basis risk, lender covenants, and settlement.

By Sarvada Editorial Team

Read article

Industry Risk Profiles - June 4, 2026 - 13 min read

Quick-Commerce Dark Store Risk Profile 2026: Insuring India's 10-Minute Delivery Model

Dark stores and micro-fulfilment centres powering 10-minute grocery delivery are scaling faster than their risk controls. This post profiles the risk of the quick-commerce dark store: fire from dense stock and on-site EV battery charging, stock and burglary exposure, public and product liability including food safety and delivery-rider injury, fleet and rider risk, business interruption, and shrinkage and internal fraud, with the underwriting concerns and the package programme a fast-scaling operator should build.

By Sarvada Editorial Team

Read article

Market & Trends - June 4, 2026 - 14 min read

Inside India's Softened 1 April 2026 Treaty Renewal

On a single date, 1 April, effectively every Indian reinsurance treaty renews at once, so the 2026 renewal set the capacity and pricing backdrop for the whole property market. This piece reads the renewal as an event: how the single-date concentration works, what softened layer by layer across risk loss-free, catastrophe loss-free and catastrophe loss-hit programmes within the verified -10% to -20% band, and why abundant capacity rather than reduced exposure drove the turn.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - June 4, 2026 - 14 min read

Subsidence and Ground Movement Claims on Indian Commercial Property 2026: A Wordings-Led Claims Playbook

Subsidence, ground heave and landslip claims on commercial property are rising with monsoon intensity, excavation-adjacent construction and building on soft and reclaimed soils. This post sets out how the Standard Fire and Special Perils policy treats subsidence and landslide, the STFI versus subsidence distinction, the proximate-cause and gradual-versus-sudden disputes that decide these claims, the geotechnical and surveyor work that evidences them, and a practical loss-prevention and claims playbook.

By Sarvada Editorial Team

Read article

Sarvada

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