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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

Regulation & Compliance - June 20, 2026 - 10 min read

IRDAI's March 2026 Finance and Investment Amendment: What Ind-AS Alignment Does to Insurer Asset Books and Your Capacity

IRDAI's 30 March 2026 amendment to the Actuarial, Finance and Investment Functions regulations forces insurers onto Ind-AS financial statements from 1 April 2026. The rewiring of how assets are measured and reported quietly reshapes which insurers can hold long-tail commercial risk, and brokers who read it place better.

By Tarun Kumar Singh

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Insurance Products - June 20, 2026 - 11 min read

Surety Bonds Reach the Power Sector: What the Ministry of Power's April 2026 Move Means for Bid and Performance Security

On 6 April 2026 the Ministry of Power accepted insurance surety bonds as an alternative to bank guarantees across all power procurement frameworks, from solar and wind to BESS and transmission. Brokers placing for IPPs, EPC firms and equipment suppliers now have to master surety underwriting, indemnity and recovery.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - June 20, 2026 - 10 min read

When the FDA Suspends a Dark Store Licence: Food-Safety, Recall and Product-Liability Cover for Quick Commerce in 2026

Quick-commerce property and cold-chain policies pay for fire and freezer breakdown, not for a suspended FSSAI licence, condemned stock, or a wave of consumer-illness claims. The real dark-store exposure sits in product liability, product recall and consequential business interruption, and on most q-comm accounts it is missing.

By Sarvada Editorial Team

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Market & Trends - June 20, 2026 - 11 min read

Reinsurer Entry Just Got Cheaper: The Rs 1,000 Crore Net-Owned-Fund Cut and Onshore Capacity

The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act 2025 cut the net-owned-fund bar for foreign reinsurer branches from Rs 5,000 crore to Rs 1,000 crore. That lowers the price of an onshore Indian presence and reshapes which specialist reinsurers can hold paper here, and what cedents and brokers can demand on terms.

By Sarvada Editorial Team

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Risk Management Strategies - June 20, 2026 - 10 min read

What to Actually Do With a Soft Market: Restructuring Retentions, Multi-Year Locks and Captive Fills While 2026 Capacity Is Cheap

April 2026 Indian property treaty renewals turned firmly soft, with loss-free excess-of-loss cuts above 20 percent and abundant domestic capacity. The smart move is not to bank a one-year discount but to re-engineer programme structure, widen wordings and lock durable terms before the cycle turns.

By Tarun Kumar Singh

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Regulation & Compliance - June 19, 2026 - 10 min read

FEMA Non-Debt Instruments Second Amendment 2026: The Resident-KMP and FDI-Screening Conditions Behind 100% Foreign Ownership of Brokers

The headline says 100% foreign ownership of insurers and intermediaries. The fine print of the FEMA NDI Second Amendment, 2026, decides whether your deal clears: automatic route, a resident-Indian KMP rule, tighter beneficial-owner screening, and IRDAI fit-and-proper approval still gating every transaction.

By Tarun Kumar Singh

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Risk Management Strategies - June 19, 2026 - 10 min read

Running the Captive Tax Math: GIFT City's IFSC Tax Holiday and Zero-Rated GST Versus Onshore Section 37 for Indian Corporates in 2026

The captive decision in 2026 is mostly a tax-and-cash-flow comparison. We model the GIFT City IFSC income-tax holiday and GST zero-rating against onshore Section 37 premium deductibility, then show brokers the after-tax total-cost number a CFO actually asks for before a board approves any structure.

By Tarun Kumar Singh

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Market & Trends - June 19, 2026 - 9 min read

The IFSCA Reinsurance Sidecar Is Coming: How Collateralised Capital at GIFT City Could Reshape Cat Capacity

IFSCA is building a special-purpose-insurer sidecar framework at GIFT City, with collateralised reinsurance and standardised parametric reporting in scope. Here is how a sidecar differs from a cat bond, where its capacity will land first (property cat and parametric), and what Indian cedents and their brokers should do now.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 19, 2026 - 11 min read

India-UK CETA in Mid-2026: The Posted-Worker Insurance Stack the Double Contribution Convention Leaves Exposed

The India-UK trade deal and its Double Contribution Convention are set to take effect in mid-July 2026, exempting seconded Indian professionals from UK social-security contributions for up to three years. That exemption shifts NICs, not healthcare or liability exposure, so brokers must rebuild the secondment cover stack around a gap the convention quietly creates.

By Sarvada Editorial Team

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AI & Insurtech - June 19, 2026 - 10 min read

IRDAI's May 2026 AI Cyber-Readiness Directive: Frontier-AI Threats, the Action-Taken Report, and What Brokers and TPAs Must File

IRDAI's Information and Cyber Security Guidelines 2026 replaced the 2023 framework and pulled brokers, TPAs and web aggregators into a formal attestation regime. With an action-taken report on AI cyber readiness due in May, this is the practitioner checklist plus the cyber-insurance read-across most intermediaries have not yet mapped.

By Sarvada Editorial Team

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Underwriting & Risk - June 19, 2026 - 10 min read

IS 1893:2025 Redraws the Hazard Map: What the New Seismic Code and Zone 6 Mean for Earthquake Underwriting and Retrofit Credits

The Bureau of Indian Standards drafted a probabilistic seismic code with a top-tier Zone 6, then withdrew it in March 2026. The hazard picture it surfaced does not revert with the gazette. This post turns that signal into earthquake rate movement, retrofit-credit logic and sum-insured adequacy for brokers.

By Tarun Kumar Singh

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Insurance for Startups & New Economy - June 19, 2026 - 10 min read

Karnataka's Gig Workers Welfare Fee and What It Forces Aggregators to Buy: Insurance Structuring After the February 2026 Notification

Karnataka's February 2026 welfare-fee notification adds a statutory cost line for every ride-hailing, delivery and quick-commerce platform in the state. The fund is not a substitute for insurance. Aggregators still carry direct liability for rider accidents, and brokers must map fund-versus-policy overlap before renewal.

By Sarvada Editorial Team

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Insurance Products - June 19, 2026 - 10 min read

The RELIEF Scheme 2026: How War-Risk Export Cover Now Works for India's West Asia Trade

ECGC's RELIEF Scheme layers extra political and war-risk cover on top of ordinary export credit insurance for Gulf shipments hit by Hormuz disruption. This guide maps its three components, the country list, the freight-surcharge reimbursement, and the per-shipping-bill claim steps brokers must now run as the Component II dispatch window closes.

By Sarvada Editorial Team

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Operations & Best Practices - June 18, 2026 - 14 min read

Setting Up a Claims Governance Committee for Large Indian Corporates 2026

A large corporate's insurance claims are too consequential to handle ad hoc, and a claims governance committee gives them a structure: who decides what, when a claim escalates, how surveyors and reserves are overseen, and how disputed claims are run. This post sets out the committee's composition, thresholds, oversight of loss adjusters and reserving, litigation strategy, the broker's role and the MIS the committee should track.

By Sarvada Editorial Team

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Insurance Products - June 18, 2026 - 8 min read

Commercial General Liability in India 2026: What CGL Covers, What It Does Not, and the Tender Trap

Commercial general liability is the cover Indian contractors and businesses are most often required to carry for tenders, and the one they most often misunderstand. This piece sets out what CGL actually covers, how it differs from public and product liability, why completed-operations and contractual-liability terms decide real claims, and how to avoid the trap of a certificate that satisfies the tender but not the exposure.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 18, 2026 - 10 min read

Cyclone Wind Versus Flood Apportionment for Bengal Industrial Losses: A Commercial Claims Playbook

Take a very severe cyclonic storm making landfall on the Bengal coast in the pre-monsoon window, with Kolkata-area gusts near 155 km/h and rainfall of the order of 250 mm — Cyclone Remal, which struck the coast in May 2024, is the closest recent real analogue. The recoverable number on every damaged plant then turns on one call: was the loss caused by storm or by flood? This post walks brokers through that split.

By Sarvada Editorial Team

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AI & Insurtech - June 18, 2026 - 9 min read

Data Fiduciary, AI Processor: Building DPDP-Compliant AI Vendor Contracts and Consent Flows in Indian Insurance, 2026

When an Indian insurer or broker pipes policyholder data into a licensed AI tool, the Digital Personal Data Protection Act 2023 and the DPDP Rules 2025 decide who answers for it, on what notice, under what consent, and where the data may sit. This piece walks through the data-fiduciary and data-processor split for AI vendors, the consent and notice mechanics the Rules require, the cross-border position, and the contract clauses and processor audits that keep an AI tool lawful under DPDP specifically.

By Sarvada Editorial Team

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Industry Risk Profiles - June 18, 2026 - 10 min read

EV Battery Cell Gigafactory Operational Risk Profile in India 2026: Formation Fire, Electrolyte Inventory and the High-PML Property Programme

India's first 40 GWh cell gigafactories are entering operations in 2026 with no domestic loss history, concentrating first-of-a-kind values in a few sites. This post sets out the formation-room fire, electrolyte and NMP solvent, and dry-room exposures that drive the property-plus-business-interruption placement and the questions reinsurers will actually ask.

By Sarvada Editorial Team

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AI & Insurtech - June 18, 2026 - 10 min read

RBI's FREE-AI Framework Reaches Insurers in 2026: Building the AI Inventory, Audit Tiering and the National Repository Submission Your Broking Firm Will Owe

The RBI FREE-AI report and the MeitY India AI Governance Guidelines have set a sector template that IRDAI is expected to mirror for insurers and brokers. This post explains the AI inventory, risk-tiered audits and repository submissions you should build now, before they harden into binding directions.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 18, 2026 - 15 min read

Stock Throughput Cover for Indian Importers Using Free Trade Warehousing Zones in 2026

Importers running stock through an FTWZ split their exposure across an ocean leg, a bonded storage leg and a domestic clearance leg, and stitching together a marine cargo policy with a separate fire and burglary cover leaves gaps at every handover. A single stock throughput policy covers transit and storage on one wording, and this post sets out how FTWZ bonded warehousing changes insurable interest and risk of loss, how bonded goods are valued, the accumulation problem at the zone, and the marine wording points to settle.

By Sarvada Editorial Team

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