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July 2, 2026
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956 articles
Underwriting & Risk - May 31, 2026 - 28 min read
Indian cement producers including UltraTech, Shree Cement, Ambuja and Dalmia face complex BI exposures from kiln refractory failure, coal supply disruption and FGD retrofit downtime in 2026. Underwriters are tightening indemnity periods, sub-limits and stand-by spare warranties.
By Sarvada Editorial Team
Regulation & Compliance - May 31, 2026 - 14 min read
IRDAI is reviewing commission rules to differentiate high-touch advisory distribution from lower-touch digital and bancassurance models, with a consultation paper expected around end-May 2026. This post explains the effort-based rationale, its interaction with the EoM framework, and what it means for commercial broker remuneration, advisory economics and disclosure.
By Sarvada Editorial Team
Market & Trends - May 31, 2026 - 24 min read
Lloyd's Asia in Singapore is a structural capacity source for Indian commercial buyers in 2026, with the Service Company platform, MAS regulatory framework, and specialty syndicate appetite covering terrorism, war, marine hull, energy, and contingency placements.
By Sarvada Editorial Team
Claims & Loss Prevention - May 31, 2026 - 26 min read
Indian third-party liability quantum is rising fast across MAC tribunals, public liability and product liability. This 2026 analysis covers Supreme Court multiplier doctrine, PLI Act FY2026-27 limits and reinsurer capacity reactions.
By Sarvada Editorial Team
Insurance Products - May 31, 2026 - 28 min read
Indian SaaS firms with global enterprise customer bases face material receivables risk on annual subscription billing and multi-year deal structures. This 2026 deep-dive maps trade credit insurance mechanics, the IRDAI (Trade Credit Insurance) Guidelines, 2021, ARR-anchored programme design and pricing anchors for SaaS finance teams.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 31, 2026 - 16 min read
After a sharp 2025 escalation that pushed US tariffs on Indian goods to 50%, a February 2026 bilateral deal reset the reciprocal rate at 18%, with pharmaceuticals exempt and steel and aluminium still at 25%. This post examines the insurance consequences: buyer-default and order-cancellation risk for trade credit cover, marine cargo implications from rerouting and demand shifts, and the ECGC versus commercial cover choice.
By Sarvada Editorial Team
Market & Trends - May 30, 2026 - 14 min read
From 5 February 2026, India permits 100% foreign ownership of insurance intermediaries, including brokers and reinsurance brokers, under the automatic route. This post examines what full foreign control means for the structure of Indian broking, the wave of M&A targeting mid-market firms, and the capital and talent pressures reshaping the competition.
By Sarvada Editorial Team
AI & Insurtech - May 30, 2026 - 14 min read
Indian enterprises are handing autonomous AI agents real authority over payments, procurement, customer service, and operations. When an agent errs and causes financial or third-party loss, liability and insurance gaps open across professional indemnity, tech liability, cyber, product liability, and D&O. This guide maps the gaps and how corporates should structure cover and contracts.
By Sarvada Editorial Team
Risk Management Strategies - May 30, 2026 - 27 min read
Indian corporates running cyber tabletop exercises in 2026 must align scenarios with CERT-In Direction 2022, DPDP breach notification, NCIIPC reporting and insurer panel response. This guide covers scenario design, board engagement and cyber insurance renewal triggers.
By Sarvada Editorial Team
AI & Insurtech - May 30, 2026 - 25 min read
Generative AI is collapsing the timeline from site survey to underwriting submission for Indian commercial risks. Surveyors, brokers and insurers are deploying LLMs and vision models on site visit data, with measurable gains in turnaround, consistency and IIISLA-aligned compliance, alongside new governance questions.
By Sarvada Editorial Team
Underwriting & Risk - May 30, 2026 - 22 min read
Indian green hydrogen projects under the National Green Hydrogen Mission are now hitting the storage scale at which hydrogen embrittlement, permeation and BLEVE exposures dominate property underwriting. Insurers, PNGRB, OISD and BIS frameworks are still catching up, and broker programme design is the differentiator.
By Sarvada Editorial Team
Insurance Products - May 30, 2026 - 29 min read
Kidnap and ransom exposure for Indian corporates in 2026 spans expatriate deployments in Africa and the Middle East, domestic LWE-affected districts, and rising virtual kidnap and cyber extortion. Specialty K&R programmes from AIG, Hiscox, Beazley and Lloyd's combine crisis response from Control Risks and Olive Group with structured ransom indemnity.
By Sarvada Editorial Team
Regulation & Compliance - May 30, 2026 - 21 min read
Insurance procurement at listed Indian companies has moved onto the board agenda in 2026, driven by Section 179 board governance, audit committee and risk management committee oversight, related-party rules where the insurer or broker is connected, and the SEBI mandate for directors and officers cover.
By Sarvada Editorial Team
Industry Risk Profiles - May 30, 2026 - 26 min read
Indian CROs serving global pharma sponsors face a layered exposure stack covering clinical trial liability under New Drugs and Clinical Trials Rules 2019, product liability transferred from sponsor contracts, professional indemnity and intellectual property risk. This 2026 deep-dive maps insurer panel, CDSCO compliance and programme design for Syngene, Aragen, Sai Life, Veeda and Lambda grade CROs.
By Sarvada Editorial Team
AI & Insurtech - May 29, 2026 - 32 min read
Indian commercial brokers are compressing the quote-to-bind cycle from days to minutes using AI orchestration over IRDAI e-commerce rails, insurer APIs, IndiaStack KYC and OCEN financing. Bimakavach, RenewBuy and Vahaan Tech are setting the operational template for FY2026-27.
By Sarvada Editorial Team
Operations & Best Practices - May 29, 2026 - 24 min read
Indian listed corporates need formalised insurance MIS reaching the audit committee. This piece details KPI architecture, IBNR and IBNeR reserving cadence, Ind AS 109 implications, and a Sarvada-style placement review framework.
By Sarvada Editorial Team
Claims & Loss Prevention - May 29, 2026 - 25 min read
A single cyber incident at an Indian corporate now triggers claim notifications across cyber, D&O, crime, business interruption and professional indemnity policies. Coordinating these claims through CERT-In reporting timelines, DPDP Act exposure and IRDAI cyber wordings is the new claims discipline for FY2026-27.
By Sarvada Editorial Team
Market & Trends - May 29, 2026 - 14 min read
Munich Re puts the global cyber insurance market near USD 16.3 billion in 2025 and projects it to roughly double to around USD 32.4 billion by 2030. This guide translates that global trajectory into a practical 2026 read for Indian corporate buyers and their brokers: capacity availability, pricing direction, the demand drivers including the DPDP penalty regime, and how to position cyber placements.
By Sarvada Editorial Team
Market & Trends - May 29, 2026 - 16 min read
GIFT City IFSC premium has grown materially through FY2025-26 as IBU and IIO capacity expands and USD-denominated cover becomes routine. This is a buyer-side guide to placing large commercial risk at GIFT City: the IBU versus IIO distinction, the FEMA and currency interface, where GIFT City fits IRDAI's cession order, and which lines suit the route.
By Sarvada Editorial Team
Risk Management Strategies - May 29, 2026 - 15 min read
Adversaries are already capturing encrypted Indian enterprise data to decrypt once quantum computers mature, a threat known as harvest-now-decrypt-later. This guide explains what NIST post-quantum cryptography standards mean for cyber policies, where coverage gaps sit, and the crypto-agility questions underwriters will start asking from FY2026-27.
By Sarvada Editorial Team
Regulation & Compliance - May 29, 2026 - 23 min read
SEBI's BRSR Core climate disclosure regime, expanded value-chain reporting and assurance from FY2025-26 are reshaping D&O exposure for the top 1,000 listed Indian companies. Misstatement risk, greenwashing claims and the early Indian securities class-action pathway are pushing premium and wording reforms.
By Sarvada Editorial Team
Industry Risk Profiles - May 29, 2026 - 18 min read
How insurance responsibility splits between an Indian colocation operator and its tenant in 2026. The post maps who pays for which loss, the master-services-agreement clauses that decide it (indemnity, additional insured, subrogation waiver, certificate of insurance), SLA service-credit pass-through, the customer-equipment versus operator-property boundary, DPDP Act data liability allocation, and a broker playbook for both sides.
By Sarvada Editorial Team
Market & Trends - May 28, 2026 - 15 min read
The Allianz Risk Barometer 2026 puts cyber incidents at the top globally for a fifth year, with AI the fastest riser at second and business interruption third. Cyber, AI and business interruption are also India's top three concerns. This post turns those rankings into concrete insurance implications for Indian commercial buyers and how to cover each risk.
By Sarvada Editorial Team
Claims & Loss Prevention - May 28, 2026 - 25 min read
Indian consequential loss settlements are tightly contested. This 2026 guide covers gross profit basis, standing charges, indemnity periods, IIISLA surveyor practice and forensic-accounting workflows at ICICI Lombard, HDFC Ergo, Bajaj Allianz.
By Sarvada Editorial Team
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