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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

Global & Cross-Border Insurance - August 18, 2026 - 10 min read

Rs 27 Crore of Stock Burned in a Tuticorin Godown: Where Marine Cover Ends and Fire Cover Starts

GHCL Textiles has reported an estimated Rs 27 crore stock loss from a warehouse fire near Tuticorin port. Stock in a hired port-side godown sits exactly where a marine open cover's termination clause and a fire policy on rented premises can each assume the other is answering. This post maps the handover.

By Sarvada Editorial Team

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

GIC Re Picks Margin Over Volume: What a 104.88% Combined Ratio Does to Facultative Support for Large Indian Risks

GIC Re's Q1 FY27 investor presentation showed a combined ratio of 104.88%, an overseas book back in underwriting profit at 95%, and an explicit strategy of profitability over growth. Facultative capacity for large, loss-affected and catastrophe-exposed Indian risks flows straight out of that appetite, and brokers placing single risks in the second half of FY27 need to plan around it.

By Tarun Kumar Singh

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Risk Management Strategies - August 17, 2026 - 10 min read

Nine Years Under an Administrator, Then a One-Line Order: What the Sahara India Life File Teaches About Insurer Failure

On 17 August 2026 IRDAI cancelled the appointment of the Administrator who had run Sahara India Life since 2017, closing the clearest worked example on the Indian public record of a regulator managing a failing insurer for nearly a decade. The timeline is a counterparty lesson every buyer of long-tail commercial cover should study.

By Tarun Kumar Singh

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Insurance Products - August 16, 2026 - 11 min read

Record July Exports, Last Year's Open Cover: Re-Basing Marine Turnover Declarations Mid-Term

India's merchandise exports hit a record USD 44.24 billion in July 2026, up over 19 percent. A cover that incepted earlier this year was priced on last year's turnover, with limits per sending and per location that a jump of this size quietly breaks. A practical guide to re-basing the declaration mid-term instead of waiting for renewal.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - August 15, 2026 - 10 min read

Delivery-Pace Algorithms Reach Parliament: The Liability Quick Commerce Has Not Insured

A parliamentary panel flagged rider safety in August 2026 and signalled that the algorithms setting delivery pace at Blinkit, Zepto and Instamart may face rules. That converts a motor and personal accident problem into a corporate liability problem, and most quick commerce insurance programmes are not built for it.

By Sarvada Editorial Team

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Underwriting & Risk - August 14, 2026 - 11 min read

Insuring India's AI Factories: GPU Cargo Values, Erection All Risks and DSU on a Rs 15,000 Crore Build

L&T's August 2026 order to build India's largest NVIDIA B300 AI factory with Together AI puts a construction programme reported at up to Rs 15,000 crore on the table. This piece works through what a GPU-dense build does to the marine cargo per-sending limits, the erection all risks testing extension and the delay-in-start-up sum insured, for the developers, EPC contractors and lenders pricing these deals now.

By Tarun Kumar Singh

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Risk Management Strategies - August 14, 2026 - 11 min read

Negative Solvency and a 26% Premium Surge: Treating Insurer Security as a Risk Register Item

Three public sector general insurers carry deeply negative solvency ratios against the 1.50 regulatory floor, yet one of them grew premium 26% in July 2026. A CFO should treat an aggressive quote from a capital-constrained carrier as a credit exposure, and this post sets out a five-part insurer-security test that does not depend on a rating letter.

By Tarun Kumar Singh

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AI & Insurtech - August 11, 2026 - 10 min read

GIFT City's First Incorporated Reinsurer Is a Cat-Modelling Startup: What EarthRe Adds to an Indian Nat-Cat Tower

EarthRe Insurance IFSC Limited, the reinsurance subsidiary of insurtech InRisk Labs, says it is the first incorporated reinsurer licensed by IFSCA at GIFT City. This post examines what a data-native, parametric-first reinsurer adds to an Indian nat-cat programme, and how brokers should test a model-driven quote before the 2027 renewal.

By Sarvada Editorial Team

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

Rs 886 Crore and 260 Closed Roads in Himachal: The Covers Baddi and Kala Amb Plants Leave Out

Himachal's State Emergency Operations Centre logged Rs 886 crore of loss, 260 closed roads and 161 failed distribution transformers between 30 June and 9 August 2026. For plants in the Baddi-Barotiwala-Nalagarh belt and at Kala Amb, the exposure is rarely damage inside the fence. It is being cut off, and the four covers that respond to that are exactly the ones most placements leave out.

By Sarvada Editorial Team

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

Swiss Re Corporate Solutions and Bajaj General: Testing the Claim of a Domestic International Programmes Platform

The 6 August 2026 MoU between Bajaj General Insurance and Swiss Re Corporate Solutions promises international programmes for Indian companies from a domestic balance sheet. This piece tests what that would actually deliver, what remains conditional on definitive agreements and IRDAI approval, and what a CFO should ask before waiting for it.

By Sarvada Editorial Team

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Claims & Loss Prevention - August 9, 2026 - 11 min read

44 Seafarers Held and Somali Piracy Back: Which Policy Pays, Between Cargo, Hull War Risk and Kidnap and Ransom

Somali piracy resurged through mid-2026, with 44 seafarers held and India issuing a fresh maritime security advisory on 29 July. Here is how a piracy loss actually splits across Institute Cargo Clauses (A), hull war risk and kidnap and ransom cover, and how the general average adjustment runs when a ransom is paid.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 8, 2026 - 11 min read

The Section 301 Forced-Labour Tariff: Social-Compliance Audits, Cancelled Orders and What Trade Credit Actually Pays

The US placed India in the lower 10% tier of its Section 301 forced-labour tariff in late July 2026, sparing roughly 45% of its exports to the US by value. The rate is the smaller risk. The compliance regime behind it gives US buyers a documented reason to cancel orders, invoke indemnities and hold receivables, and much of that exposure sits outside a standard trade credit policy.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - August 6, 2026 - 11 min read

Seven Blasts at Jebel Ali: The War and Terrorism Exclusions Sitting on Indian Stock in JAFZA

Seven explosions hit Dubai's Jebel Ali industrial area on 5 August 2026, the hub through which many Indian exporters run their Gulf and Africa distribution, and a day later the cause was still contested. What the war, terrorism and SRCC exclusions do to stock sitting in JAFZA, why the Indian terrorism pool does not reach it, and what to do in the first 72 hours.

By Sarvada Editorial Team

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