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July 2, 2026
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956 articles
Global & Cross-Border Insurance - June 3, 2026 - 15 min read
How the Indian IT and ITES sector (tier-1 majors, GCCs, mid-tier services firms, SaaS) builds cyber and professional indemnity programmes around the client data it holds under contract, with DPDP Act, CERT-In and client MSA obligations driving 2026 programme design.
By Sarvada Editorial Team
Regulation & Compliance - June 3, 2026 - 15 min read
The IRDAI Information and Cyber Security Guidelines, 2026 set minimum standards and governance for all Regulated Entities, including brokers, corporate agents and web aggregators, with compliance from the current financial year. This post is a practical playbook for intermediaries covering governance, controls, incident reporting, vendor risk, CERT-In alignment and audit.
By Sarvada Editorial Team
Claims & Loss Prevention - June 3, 2026 - 28 min read
Indian shipowners (SCI, Great Eastern, Essar Ports, coastal operators) face complex GA and salvage settlements in 2026. This guide covers York-Antwerp Rules 2016, salvage apportionment, average adjuster practice and IG Club coordination.
By Sarvada Editorial Team
Market & Trends - June 3, 2026 - 27 min read
Parametric insurance is moving from pilot to mainstream corporate uptake in India through FY2025-26. Swiss Re, Munich Re and IFSC structures cover renewables, agri value chains and logistics, with Skymet and IMD data feeding index triggers.
By Sarvada Editorial Team
Risk Management Strategies - June 3, 2026 - 24 min read
Indian conglomerates in 2026 face SEBI BRSR Core scrutiny, Companies Act 2013 risk governance expectations and IRDAI broker remuneration disclosure on the same calendar. A structured risk maturity assessment, mapping insurance procurement through to board-level ERM, is the framework that aligns these external pressures with internal capability.
By Sarvada Editorial Team
Risk Management Strategies - June 3, 2026 - 25 min read
Indian manufacturers facing semiconductor, pharma API and rare-earth dependencies in 2026 need to combine Tier-2 and Tier-3 supplier mapping with Contingent Business Interruption cover. Visibility platforms and third-party intelligence help, but CBI scope, named-supplier endorsements and the supplier insurance condition remain the real underwriting bottleneck.
By Sarvada Editorial Team
Regulation & Compliance - June 2, 2026 - 25 min read
CCI's Combination Regulations 2024 and the deal-value threshold have created insurance disclosure obligations within merger filings that affect W&I cover design, D&O run-off, environmental impairment cover, and cross-border integration risk for Indian corporates.
By Sarvada Editorial Team
Regulation & Compliance - June 2, 2026 - 16 min read
The GST 2.0 reforms exempted individual life and health insurance from GST effective 22 September 2025, but corporate and group covers continue to attract 18%. This post explains the exempt-versus-taxable distinction, where input tax credit is available and where it is blocked, the net-cost impact for corporates, and the advisory points brokers should raise.
By Sarvada Editorial Team
Risk Management Strategies - June 2, 2026 - 28 min read
Indian industrial employers face escalating heat stress workforce risk under NDMA Heat Wave Guidelines, MoLE rules and ICMR-NIOH evidence base. This 2026 deep-dive maps WBGT monitoring under ISO 7243, productivity loss quantification, workers compensation implications and insurance programme design for manufacturing, construction, steel, cement and power sector operators.
By Sarvada Editorial Team
Global & Cross-Border Insurance - June 2, 2026 - 24 min read
The Australia-India ECTA effective December 2022 has reshaped bilateral trade through 2025-26, with rising coal, mineral, pharma, textile and gems flows creating specific marine cargo, supply chain, and reinsurance implications for Indian buyers.
By Sarvada Editorial Team
Regulation & Compliance - June 2, 2026 - 14 min read
IRDAI's proposed Public Insurance Registry is a consent-based, authoritative digital record of the insurance lifecycle that will sit alongside Bima Sugam. This post explains what the PIR is, how it differs from the marketplace, and the data hygiene and reporting work commercial brokers and corporate buyers should begin now.
By Sarvada Editorial Team
Underwriting & Risk - June 2, 2026 - 21 min read
India's first wave of lithium refineries is being commissioned through 2026 with hydrometallurgical sulphate and hydroxide routes that combine organic solvent fire load, high-temperature processing and battery-grade output. Insurers face a novel risk class that draws on chemical, refining and battery property underwriting precedent.
By Sarvada Editorial Team
Insurance Products - June 2, 2026 - 31 min read
Patent infringement defence costs for Indian manufacturers and pharmaceuticals corporates routinely exceed INR 25 crore in complex Delhi High Court IP Division and Madras High Court matters. 2026 IP defence insurance products from AIG, Chubb, Beazley, Tokio Marine and Lloyd's combine defence cost cover with cross-border jurisdiction extensions.
By Sarvada Editorial Team
Underwriting & Risk - June 2, 2026 - 30 min read
Indian metro tunnelling under DMRC, MMRDA, BMRCL, CMRL and KMRL is at record activity in 2026, driven by L&T, Afcons, J Kumar, Tata Projects and HCC. TBM jamming, ground settlement and adjacent-structure liability demand bespoke CAR/ALOP design.
By Sarvada Editorial Team
AI & Insurtech - June 1, 2026 - 26 min read
Indian insurers have deployed AI-driven renewal pricing for mid-market property, liability and group health books in 2026. As IRDAI expands Use and File, leading private insurers reprice at a granularity that demands broker counter-modelling.
By Sarvada Editorial Team
Market & Trends - June 1, 2026 - 13 min read
For an Indian conglomerate, forming a captive at GIFT City is a capital-allocation decision, not an insurance-buying one. This is the CFO and board lens: what a captive actually captures, how to size retention, the return on captive capital, and a clear test for when a captive makes sense and when it does not.
By Sarvada Editorial Team
Operations & Best Practices - June 01, 2026 - 30 min read
Co-broking on Indian commercial placements has matured through 2025-26 with IRDAI broker regulations clarification, fee-sharing protocol standardisation and client-facing transparency expectations. Brokers, insurers and risk managers now operate under a practical framework that has displaced ambiguous historical practice.
By Sarvada Editorial Team
Insurance Products - June 1, 2026 - 27 min read
Indian quick commerce operators including Zepto, Blinkit, Swiggy Instamart and BBNow face material crime exposure across rider theft, dark-store shrinkage, employee dishonesty and payment fraud. This 2026 deep-dive maps fidelity guarantee, burglary, crime and money insurance programme design with insurer panel calibration and pricing anchors.
By Sarvada Editorial Team
Insurance Products - June 1, 2026 - 15 min read
A series of mass-gathering crowd-crush incidents across India in 2025 has put organiser and venue liability under intense scrutiny. This guide explains how public liability and event-specific liability cover protects organisers, venues, and corporates hosting events, covering structure, sums insured, crowd-management warranties, exclusions, and the Public Liability Insurance Act context.
By Sarvada Editorial Team
Insurance for Startups & New Economy - June 1, 2026 - 13 min read
Third-party liability is the binding regulatory constraint for Indian launch vehicle operators in 2026. This is a deep dive into the Outer Space Treaty and Liability Convention chain, India's state-recourse and indemnity structure, IN-SPACe authorisation limits, and how the liability layer is actually placed.
By Sarvada Editorial Team
Industry Risk Profiles - June 1, 2026 - 23 min read
India's fast-scaling veterinary clinic chains carry distinct underwriting exposure across veterinary professional indemnity, animal custody, premises liability and pet-product recall. This is the 2026 risk profile and broker playbook for the segment.
By Sarvada Editorial Team
Market & Trends - June 1, 2026 - 15 min read
IRDAI's FY2026-27 obligatory cession order keeps the 4% cession to GIC Re, prescribes minimum reinsurance commissions ranging from 5% to 15% by class, and retains a 50:50 profit-commission mechanism. This post unpacks the economics for cedants and commercial lines, and what it means for capacity, pricing and programme design.
By Sarvada Editorial Team
Insurance for Startups & New Economy - June 1, 2026 - 25 min read
India's eVTOL ecosystem (ePlane, Sarla Aviation, FlyBlade India, CSL Helitech) is moving from prototype to certification. This piece details DGCA certification risk, hull and TPL programme architecture, and insurer capacity for Indian urban air mobility startups.
By Sarvada Editorial Team
AI & Insurtech - May 31, 2026 - 28 min read
AI-driven loss-run analytics are reshaping how Indian brokers and mid-market insureds approach FY2025-26 renewals. Pattern detection on three to five year loss histories, pricing trigger flags and structured insurer negotiation are producing measurable premium and coverage outcomes beyond traditional spreadsheet review.
By Sarvada Editorial Team
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