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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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October 8, 2026
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1513 articles
Industry Risk Profiles - July 23, 2026 - 11 min read
Quarries and stone crushers combine blasting, heavy plant, a severe injury rate and a silica-dust health tail, all in a mostly informal sector where records and used-plant valuations are the underwriting problem. A risk profile for brokers and quarry risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 23, 2026 - 10 min read
A deductible looks simple until a single storm hits three sites and the insurer applies the excess three times. How a deductible is applied at claim, per occurrence, per location, before or after average, is decided by wording most buyers never read until it costs them.
By Sarvada Editorial Team
Insurance Products - July 23, 2026 - 10 min read
Legal expenses insurance pays the cost of running a dispute, including disputes where you are the claimant chasing a debt or enforcing a contract, which no liability policy touches. Here is how the cover works, why it is thin in India, and who should look at it.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 23, 2026 - 9 min read
Most expat-insurance guidance is written for Indians going abroad. The mirror problem, insuring foreign nationals working in India, trips up GCCs, MNC subsidiaries, and Indian firms hiring foreign specialists. This guide covers Employees' Compensation Act reach, group versus international medical, and home-country programme conflicts.
By Sarvada Editorial Team
Risk Management Strategies - July 23, 2026 - 8 min read
Most companies choose an insurance broker once and review the decision only when something breaks. A structured process for selecting or re-appointing a broker: when to run an RFP, what to put in the brief, how to evaluate on more than price, and how to manage the transition without dropping a claim.
By Tarun Kumar Singh
Market & Trends - July 23, 2026 - 6 min read
Employer group health can go to a standalone health insurer or a multiline general insurer. They behave differently where a group programme lives or dies: network, underwriting, claims model, add-ons, and the one cross-line advantage only a GI has.
By Sarvada Editorial Team
Operations & Best Practices - July 23, 2026 - 8 min read
In five days in mid-June 2026, IRDAI put out four exposure drafts, each with a comment window of about three weeks. A firm that responds to that ad hoc loses on all four. This is the standing function that lets a mid-size broker read, assess, comment on and implement regulatory change as a routine rather than a scramble.
By Tarun Kumar Singh
Regulation & Compliance - July 23, 2026 - 11 min read
A platform can pass a customer's name to an insurer. It cannot describe the product, recommend it, or take a fee per policy without a licence. The line between a legal referral and unlicensed solicitation is where partner programmes live or die, and IRDAI reads it on substance, not on what the contract calls the payment.
By Tarun Kumar Singh
Regulation & Compliance - July 23, 2026 - 11 min read
The IMF is the distribution licence nobody explains: an area-based firm that can solicit for a small panel of insurers per line and sell other financial products alongside. What it can do, what it costs, and how it stacks up against corporate agency and broking for someone deciding which licence to build a business on.
By Tarun Kumar Singh
Industry Risk Profiles - July 22, 2026 - 11 min read
A crane hirer's risk splits three ways: the plant itself under CPM, liability for a dropped load or a strike during a lift, and the load on the hook that neither cover answers cleanly. A risk profile for brokers and crane-fleet risk managers.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 22, 2026 - 8 min read
IRDAI's June 2026 exposure draft on insurance intermediaries would make distributors earning over Rs 10 crore in commission publicly disclose commission, related-party transactions, profits, and dividends. That lands very differently on a VC-funded insurtech than on a legacy broker. Here is what founders should be doing while the draft is still a draft.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 22, 2026 - 9 min read
For mid-market Indian firms, the first overseas step is usually across a land or sea border into Nepal, Bangladesh, or Sri Lanka. Each has its own admitted-market rules, compulsory covers, and mandatory reinsurance cessions that an extended Indian policy cannot satisfy. This guide gives country-specific structure.
By Sarvada Editorial Team
Underwriting & Risk - July 22, 2026 - 9 min read
A warehouse holding Rs 100 crore of stock will never lose all of it to a single burglary, so insuring the full value against theft wastes premium on cover that cannot be used. First-loss insurance sets the sum insured to the realistic maximum theft, and the arithmetic behind it rewards buyers who understand it.
By Tarun Kumar Singh
Market & Trends - July 22, 2026 - 7 min read
Mid-size manufacturers in Coimbatore, Ludhiana, Rajkot, Surat and Indore carry real insurable value and buy complex cover with almost no advice. Where the tier-2 commercial opportunity sits, how to reach it, and why claims advocacy is the differentiator that wins it.
By Sarvada Editorial Team
Market & Trends - July 22, 2026 - 7 min read
IRDAI's chairman said a distribution-reform consultation would arrive by end-July 2026, reportedly proposing commission paid over the policy tenure rather than upfront. Here is what that would do to an individual advisor's income, and the three no-regret moves that pay off either way.
By Sarvada Editorial Team
Operations & Best Practices - July 22, 2026 - 10 min read
Winning the account is the easy part. The transition, getting the file, verifying the open claims, understanding the declaration positions and setting the first ninety days, is where a broker-of-record change is delivered or quietly botched. A takeover playbook for the incoming broker on a commercial client.
By Tarun Kumar Singh
Regulation & Compliance - July 22, 2026 - 11 min read
Institute Cargo Clauses tell you what a policy covers. The Marine Insurance Act, 1963 decides what happens when a claim is fought: insurable interest, disclosure, warranties, deviation, and total loss. A buyer-oriented walk through the doctrines that resolve Indian cargo disputes.
By Tarun Kumar Singh
AI & Insurtech - July 21, 2026 - 11 min read
An agent that reads the renewal calendar, assembles the expiring-policy data, drafts the insurer and client chases and escalates non-responses can compress the renewal grind, but only inside hard guardrails: no autonomous binding, human sign-off on anything price-bearing, and an immutable log.
By Sarvada Editorial Team
Industry Risk Profiles - July 21, 2026 - 11 min read
Facility management and private-security firms carry their risk on other people's premises: liability for staff acts, employee-dishonesty exposure, contractual indemnities in client MSAs, and a workforce spread across hundreds of sites. A risk profile for brokers and services-firm risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 21, 2026 - 11 min read
Stock claims are the most contested head in a fire loss because raw material, finished goods and work-in-process are each valued on a different basis, and none of them at selling price. Here is how surveyors value stock and where the arguments start.
By Sarvada Editorial Team
Insurance Products - July 21, 2026 - 10 min read
Every EPF-covered employer already provides a statutory death benefit through EDLI, capped at Rs 7 lakh. The EDLI-exemption route lets that same contribution buy a far larger group term life benefit, if the employer structures the sum insured, the free-cover limit and the nominations properly.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 21, 2026 - 9 min read
An online travel platform is an intermediary, a curator, and a holder of customer money all at once, and each role carries a different liability. This guide maps booking-error E&O, experience liability, refund-float exposure, traveller-data cyber, and the compliance of selling travel insurance at checkout.
By Sarvada Editorial Team
Risk Management Strategies - July 21, 2026 - 9 min read
Most corporate buyers assess an insurer's strength once, at empanelment, and never again until something goes wrong. A framework for monitoring carrier financial strength between renewals, using a single noisy quarter to show how to separate a one-off charge from structural deterioration.
By Tarun Kumar Singh
Underwriting & Risk - July 21, 2026 - 9 min read
An empty building is a different risk from an occupied one, and Indian fire wordings say so through an unoccupancy condition most buyers never read. How the condition works, what counts as occupied for a seasonal plant or a unit under renovation, and how a vacancy no one disclosed defeats an otherwise valid claim.
By Tarun Kumar Singh
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