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August 16, 2026

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1217 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Operations & Best Practices - June 23, 2026 - 10 min read

Getting Ready for the Public Insurance Registry: What Brokers Should Fix in Their Data Now

IRDAI's proposed Public Insurance Registry will hold policy, claims and grievance data in structured, consent-based form across the lifecycle. Brokers whose records are clean, reconciled and consent-mapped will look credible when submission starts. This is a practical data-hygiene workplan to begin before any deadline lands.

By Tarun Kumar Singh

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AI & Insurtech - June 22, 2026 - 10 min read

Digital Reinsurance Placement Rails in India 2026: Cession Automation, Bordereaux Data and Where GIC Re's Lead Terms Still Bind

Indian reinsurance placement is moving off spreadsheets onto API-driven platforms and structured bordereaux, but the obligatory cession to GIC Re and its lead terms still bind. This post shows primary insurers and reinsurance brokers what data standardisation and cession automation change, and what they do not.

By Sarvada Editorial Team

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Risk Management Strategies - June 22, 2026 - 10 min read

Cyclone Ditwah and the 88 Percent Protection Gap: Building a Risk-Financing Stack for Under-Insured East Coast Corporate Assets in 2026

Cyclone Ditwah caused around USD 4 billion in losses with under USD 0.5 billion insured, exposing how thin indemnity cover sits over catastrophe-exposed corporate sites. This post lays out how risk managers on India's east coast can layer parametric, captive retention and pre-funded reserves into a deliberate financing stack.

By Tarun Kumar Singh

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Underwriting & Risk - June 22, 2026 - 10 min read

Microcracks and the 12-Month Wall: Underwriting Ground-Mount Solar Hail Damage and the BI Indemnity Gap in 2026

India passed 272 GW of non-fossil capacity by January 2026, and hail is exposing two weaknesses in solar placements: micro-cracking that silently bleeds yield without obvious damage, and a standard twelve-month business interruption period that cannot survive real module replacement timelines. Here is how to rewrite both.

By Tarun Kumar Singh

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Global & Cross-Border Insurance - June 22, 2026 - 10 min read

India's Model BIT Reset and What It Means for Pricing Political-Risk Cover on Outbound Deals

India confirmed work on a revised, more investor-friendly Model BIT in February 2026, but the treaty network remains thin after 77 terminations. For outbound investors, that leaves political-risk insurance, not treaty arbitration, as the enforceable backstop. This post shows brokers how to structure cover around the gap.

By Sarvada Editorial Team

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Regulation & Compliance - June 22, 2026 - 10 min read

IRDAI Withholds CEO Variable Pay Over EOM Breaches: What the 2026 Glide-Path Crackdown Signals for Commercial Pricing Discipline

In May 2026 IRDAI withheld performance-linked pay of several insurer chief executives for missing expenses-of-management targets or board-approved glide paths. This piece reads the enforcement signal for commercial brokers: when EOM bites, insurers ration acquisition spend first, and that shows up as commission squeezes and harder pricing on competitive accounts.

By Tarun Kumar Singh

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Industry Risk Profiles - June 22, 2026 - 10 min read

LFP Cathode Active Material Plant Risk Profile in India 2026: Calcination Fire, Iron Phosphate Dust and Process-Safety Underwriting

India's first commercial LFP cathode active material plant is being built in Odisha, opening a new chemical-process risk class for property and liability underwriters. This profile breaks down calcination-kiln fire, combustible metal-oxide dust and inert-atmosphere hazards, and what brokers should price before capacity scales.

By Sarvada Editorial Team

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Operations & Best Practices - June 22, 2026 - 10 min read

Client Money, Insurance Bank Account, and Premium-Flow Discipline for Indian Brokers in 2026

Premium handling is the largest operational and regulatory exposure most Indian brokers under-control. With the April 2026 fraud framework naming intermediary and internal fraud, and cyber and DPDP duties on the same money rails, this is a working reconciliation playbook for the broker who wants to keep both the licence and the PI cover.

By Tarun Kumar Singh

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Insurance for Startups & New Economy - June 22, 2026 - 10 min read

DPDP as a Startup Balance-Sheet Risk: Pricing Data-Fiduciary Liability into Cyber Cover Before the 2027 Clock Runs Out

The Data Protection Board went live in November 2025 and substantive DPDP obligations bite from 13 May 2027, with penalties up to Rs 250 crore. Indian cyber wordings now treat these as insurable civil penalties. Here is how a founder should buy limits against the fiduciary obligation, not the generic breach.

By Sarvada Editorial Team

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AI & Insurtech - June 21, 2026 - 10 min read

Engineering the Parametric Trigger: Data Sourcing, Basis Risk and AI Validation Behind GIFT City's New SPI Sidecar Push

IFSCA's Special Purpose Insurer sidecar framework and standardised parametric reporting are pulling alternative capital into GIFT City. The covers will only pay out cleanly if the index data, trigger calibration and automated payout logic are auditable. This post unpacks what brokers must inspect before they place parametric.

By Sarvada Editorial Team

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Insurance Products - June 21, 2026 - 10 min read

EPR Packaging Rules 2026: The Environmental-Compensation Liability Producers Now Need to Insure

The expanded EPR for Packaging regime live from April 2026 turns producer responsibility into hard money: CPCB environmental compensation on shortfall tonnage plus per-day continuing penalties. Standard public liability policies exclude all of it, so brokers must design compliance-cost and pollution wordings for every PIBO client.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - June 21, 2026 - 10 min read

Insuring India's Fabless Chip-Design Startups: Product Liability, IP Infringement and Recall for DLI-Backed Companies in 2026

India's DLI scheme now backs a couple of dozen fabless design startups, with a stated target of 50, but their risk profile sits in someone else's silicon. This is the placement playbook for product-liability-by-design, third-party IP infringement and field recall, exposures that fab BI and erection policies never touch.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 21, 2026 - 10 min read

India-EU FTA Concluded: Why the Missing Investment Chapter Is a Political-Risk Placement Problem, Not a Footnote

India and the EU concluded FTA negotiations on 27 January 2026, but the package carries no investment protection chapter and no investor-state arbitration. That treaty enforcement gap now sits inside political-risk and contract-frustration wordings, and brokers advising outbound-EU mandates must price it.

By Sarvada Editorial Team

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Operations & Best Practices - June 21, 2026 - 11 min read

Intermediary Fraud Is Now a Named Category: Building the Controls IRDAI's 2026 Framework Expects Inside a Broker

IRDAI's Insurance Fraud Monitoring Framework Guidelines, 2025, in force from 1 April 2026, treat distribution-channel and intermediary fraud as a distinct typology with channel-specific red-flag indicators. Brokers can no longer treat fraud as the insurer's problem. This guide shows what controls a broking firm must install inside its own four walls.

By Tarun Kumar Singh

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Regulation & Compliance - June 21, 2026 - 9 min read

Bond Forwards and the FRA Exit: How Insurers' 2026 Hedging Shift Reads Through to Long-Tail Commercial Pricing

IRDAI has cleared insurers to use bond forwards for interest-rate hedging, and an estimated three and a half trillion rupees of derivative exposure is migrating out of forward rate agreements. This piece translates that asset-liability shift into what brokers should expect for long-duration liability and engineering pricing.

By Tarun Kumar Singh

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Underwriting & Risk - June 21, 2026 - 10 min read

Designing the Trigger, Owning the Basis Risk: A Parametric Catastrophe Underwriting Manual for Indian Commercial Buyers

Parametric covers have moved from informal-sector heat pilots into corporate property and business-interruption programmes. This desk-level manual shows brokers how to interrogate a trigger, model basis risk, set the payout curve, and position a parametric layer alongside the indemnity tower for cat-exposed Indian accounts.

By Tarun Kumar Singh

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Risk Management Strategies - June 21, 2026 - 10 min read

How Risk-Based Capital Changes Captive Economics: Fronting Costs, Large-Account Capacity and Retention Strategy Under India's April 2026 Regime

IRDAI's Risk-Based Capital regime and Ind AS 117 take effect from April 2026, tying insurer capital to actual risk profile. For corporates running captives, the change flows straight into fronting fees, collateral demands and the capacity an Indian carrier will lend a concentrated large account.

By Tarun Kumar Singh

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Operations & Best Practices - June 20, 2026 - 10 min read

The 15-Day Settlement Rule: Re-Engineering Broker Claims SOPs for IRDAI's 2026 Penalty Clock

IRDAI's 2026 rule forces insurers to settle genuine health claims within 15 days of the final discharge summary, with auto-approval and penal interest for delays. This shifts the burden of speed onto whoever controls document flow, and gives brokers a measurable service edge if they instrument the clock and own the receipt timestamp.

By Tarun Kumar Singh

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Industry Risk Profiles - June 20, 2026 - 10 min read

GCC Office Campus Property and Construction Risk Profile India 2026: Insuring the Mega-Campus Build and Tenant Fit-Out

GCCs leased around 30 million sq ft in 2025, one of their strongest years, and are pivoting to single-occupier mega-campuses. That shift creates a distinct property and contractors all risks exposure, with anchor-tenant concentration, fit-out valuation and rent-loss problems that a generic office programme does not price correctly.

By Sarvada Editorial Team

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Underwriting & Risk - June 20, 2026 - 10 min read

Underwriting Above the Snowline: GLOF Exposure for Himalayan Hydropower, Transmission and Project Cargo in 2026

Glacial lake outburst floods are a low-frequency, total-loss peril that ordinary STFI and flood wordings handle badly. The 2023 Teesta-III loss, where GLOF cover sat capped at Rs 500 crore against a Rs 11,400 crore sum insured, shows why brokers need a deliberate GLOF underwriting framework for Himalayan project risk.

By Tarun Kumar Singh

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