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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
Market & Trends - July 21, 2026 - 7 min read
A broking firm's main asset walks home every night and chooses whether to come back. How Indian firms hire, why producers take books with them, what non-competes cannot do under Section 27, and how pay is split between stability and production.
By Sarvada Editorial Team
Operations & Best Practices - July 21, 2026 - 9 min read
A broking firm rates its clients and its insurers rate the firm, but almost nobody rates the insurers on their own service. The one relationship the broker cannot see clearly is the one that decides whether its clients get paid. A quarterly insurer service scorecard: the six dimensions to measure, a simple weighting model, and how to use it in a relationship meeting.
By Tarun Kumar Singh
Operations & Best Practices - July 21, 2026 - 9 min read
IRDAI's June 2026 intermediary-disclosure draft would make brokers earning over Rs 10 crore in commission publish related-party dealings, dividend repatriation and audited financials every year. The rule is not final, but the data assembly can start now. A workstream guide.
By Tarun Kumar Singh
Regulation & Compliance - July 21, 2026 - 11 min read
The SBSR Act lifted the Section 102 penalty ceiling from Rs 1 crore to Rs 10 crore, keeping the Rs 1 lakh per day mechanic that turns a slow-to-fix breach into a large number. A firm-level look at what a tenfold ceiling does to board oversight, conduct training, and the limits of professional indemnity cover.
By Tarun Kumar Singh
Industry Risk Profiles - July 20, 2026 - 11 min read
An apparel export unit carries a fast-spreading fabric fire load, a multi-storey building that also drives buyer social-compliance audits, stock that peaks before shipment windows, and a revenue line exposed to foreign-buyer default. A risk profile for brokers and export-house risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 20, 2026 - 11 min read
A commercial claim reported late is a favourite ground for repudiation, but delay alone rarely defeats a genuine claim. What decides the outcome is whether the notice clause is a condition precedent and whether the delay actually prejudiced the insurer.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 20, 2026 - 8 min read
A payroll or HRtech platform sits inside its clients' statutory compliance chain, so a single processing error can cascade into PF, TDS, and salary-credit penalties the client will bill back. This guide maps the tech E&O, cyber, crime, and employment-practices covers these platforms actually need.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 20, 2026 - 10 min read
Pharma, electronics, gems, and perishables fly rather than sail, and air cargo carries a risk profile ocean cover was never written for. This guide maps the valuation-density problem, Institute Cargo Clauses (Air), why the Montreal Convention carrier cap is not a substitute for insurance, and cold-chain claims.
By Sarvada Editorial Team
Underwriting & Risk - July 20, 2026 - 9 min read
Two large fire claims cost a major insurer about Rs 63 crore in a single quarter, roughly one point of combined ratio. The number is a reminder that fire underwriting fails on severity, not frequency, and that the PML assumption behind every large risk is where the discipline actually lives.
By Tarun Kumar Singh
Market & Trends - July 20, 2026 - 6 min read
IRDAI's June 2026 intermediaries draft would make commission over Rs 10 crore public. This is a market-structure event, not just a compliance one: once the number is visible, it becomes benchmarking material clients and competitors negotiate against.
By Sarvada Editorial Team
Operations & Best Practices - July 20, 2026 - 10 min read
Your commission is business income, not salary, and that one fact changes your whole tax return: the ITR form you file, the expenses you can claim, why the presumptive schemes are closed to you, and why the 2 percent TDS the insurer took leaves you with an advance-tax bill. A plain-language guide for individual advisors, with the points to take to a CA.
By Tarun Kumar Singh
Operations & Best Practices - July 20, 2026 - 10 min read
When a claim is short-paid and a client says the broker should have advised differently, the case is won or lost on the file, not on memory. What a complete placement file contains: the quote comparison, the written recommendation, the client's instruction where it chose less cover, the wordings and exclusions flagged, the declinatures, and the timestamped advice trail.
By Tarun Kumar Singh
Regulation & Compliance - July 20, 2026 - 11 min read
Stamp duty on an insurance policy is small enough to ignore until an under-stamped policy meets a contested claim in court. Who bears it, why the rate on a policy of insurance is a national matter rather than a state one, where state lines actually bite, and the admissibility risk that makes the duty worth getting right.
By Tarun Kumar Singh
Regulation & Compliance - July 20, 2026 - 11 min read
IRDAI's June 2026 draft would replace the fixed-term surveyor licence with perpetual registration on an annual fee. The renewal cycle that quietly policed surveyor competence would disappear, and the burden of assessing who stays fit to survey shifts onto the insurers and brokers who empanel them.
By Tarun Kumar Singh
AI & Insurtech - July 19, 2026 - 11 min read
A broking firm's service mailbox mixes endorsement requests, claim intimations, quote requests and account queries in one queue, and the claim buried in it is a notice-condition failure waiting to happen. How LLM classification turns that queue into routed, timed work.
By Sarvada Editorial Team
Industry Risk Profiles - July 19, 2026 - 11 min read
An LPG bottling plant concentrates flammable gas under pressure in one boundary, so its defining loss is a BLEVE or vapour-cloud explosion, and its underwriting starts from PESO licensing and the pressure-vessel rules. A risk profile for brokers and plant risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 19, 2026 - 10 min read
In most liability claims the fight over legal costs matters more than the eventual damages. Whether defence spend erodes your indemnity, who appoints the lawyer, how costs are allocated on a mixed claim, and how the hammer clause works are decided in the wording, long before the claim arrives.
By Sarvada Editorial Team
Insurance Products - July 19, 2026 - 9 min read
A machinery breakdown policy pays to repair the failed machine, but not for the profit lost while the plant stands idle. Machinery Loss of Profits cover fills that gap, and fire-linked business interruption cannot, because a breakdown is not a fire peril.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 19, 2026 - 10 min read
A US, UK, or EU client contract often runs several pages of insurance requirements: professional indemnity limits in dollars, worldwide jurisdiction, additional-insured status, waiver of subrogation, and 30-day cancellation notice. This guide decodes those clauses and shows Indian vendors what their insurer will and will not deliver.
By Sarvada Editorial Team
Risk Management Strategies - July 19, 2026 - 9 min read
By the time a fire happens in a leased premises, who pays for what has already been decided, not by the insurance policy but by the lease signed years earlier. How commercial leases allocate insurance risk between landlord and tenant, and the gaps that surface when the allocation was never read.
By Tarun Kumar Singh
Underwriting & Risk - July 19, 2026 - 9 min read
A single Supreme Court judgment on the economic value of a homemaker's work moved a quarter of a large insurer's underwriting result. That is not an accident of one book, it is how long-tail motor third-party reserving works, and why fleet buyers should read a reserve top-up as a signal about their next renewal.
By Tarun Kumar Singh
Market & Trends - July 19, 2026 - 6 min read
IRDAI has confirmed two general insurance licences granted since the 100% FDI regime took effect, companies unnamed and ownership undisclosed. What is actually known, and a carrier-evaluation framework for placing business with a newly licensed insurer.
By Sarvada Editorial Team
Operations & Best Practices - July 19, 2026 - 9 min read
A commercial client rarely leaves at renewal. It decides to leave months earlier, and the renewal only records a decision already made. A quarterly retention process for broking firms: the leading indicators of a defecting account, the at-risk review meeting, loss-reason coding, and why you should measure retention by revenue rather than by count.
By Tarun Kumar Singh
Regulation & Compliance - July 19, 2026 - 11 min read
Whether the 18% GST on a commercial insurance premium is a cost or a wash depends entirely on input tax credit, and Section 17(5) makes that a policy-by-policy question. What is cleanly creditable, what is blocked, where employee health cover sits, and the filing mistakes that cost the credit anyway.
By Tarun Kumar Singh
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