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Regulator-sourced research, briefings, and editorial analysis
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July 2, 2026
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956 articles
Claims & Loss Prevention - May 24, 2026 - 22 min read
A practitioner's guide to catastrophe claim surge management in Indian commercial insurance, covering lessons from the 2024 Cyclone Fengal Chennai flooding and Wayanad landslides, panel surveyor capacity gaps, IRDAI event-response and fast-track handling, broker SLA renegotiation during cat events, and internal triage protocols.
By Sarvada Editorial Team
Underwriting & Risk - May 24, 2026 - 19 min read
How Indian non-life insurers price and structure Construction All Risks (CAR) cover for metro rail and elevated highway PPP projects in 2026: Section I material damage and Section II third-party liability, Advance Loss of Profits, EAR versus CAR distinction, surveyor-flagged exclusions, MMRDA and NHAI insurance specifications, and the recent project loss patterns reshaping the market.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 24, 2026 - 15 min read
Indian Global Capability Centres delivering services to global parents face professional indemnity, E&O, and platform-liability exposures that span FEMA, transfer pricing, and intercompany agreements. The 2026 insurance map across master-controlled and locally-issued structures looks different from what most GCC heads last reviewed.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 24, 2026 - 15 min read
The India-UK Free Trade Agreement, signed in 2025 and entering into force in mid-2026, restructures tariff exposure on roughly 90 percent of bilateral trade lines. For Indian exporters, the changes reshape buyer risk profiles, marine cargo flows, and the trade credit and political risk insurance architecture that supports the corridor.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 24, 2026 - 12 min read
Indian quick commerce platforms operating dark-store-to-door delivery in under 15 minutes manage rider fleets of 30,000 to 90,000 active partners. The insurance stack covering motor third party, personal accident, employer-style liability, and platform-level liability is now under fresh regulatory scrutiny.
By Sarvada Editorial Team
Industry Risk Profiles - May 23, 2026 - 21 min read
How Indian cold chain operators in pharma, dairy, and seafood structure insurance: marine transit, machinery breakdown for refrigeration, property and BI, and product liability for spoilage, with the BIS standards (IS 661, IS 3594) and FSSAI framework brokers need to know.
By Sarvada Editorial Team
Insurance Products - May 23, 2026 - 24 min read
Contingent Business Interruption (CBI) cover responds to revenue loss from physical damage at a supplier, customer, or other contingent location rather than at the insured's own premises. The 2024 to 2026 disruption pattern across Indian automotive, electronics, and chemicals supply chains has made CBI placement a board-level question of wording, limits, the named versus unnamed supplier debate, and INR pricing.
By Sarvada Editorial Team
AI & Insurtech - May 23, 2026 - 20 min read
How Indian commercial insurers use AI for portfolio-level PML and accumulation analysis, treaty optimisation, and profitability segmentation in 2026, set against IRDAI's move toward risk-based supervision and the catastrophe-modelling vendor stack.
By Sarvada Editorial Team
Underwriting & Risk - May 23, 2026 - 20 min read
How Indian non-life insurers underwrite Battery Energy Storage Systems in 2026: grid-scale versus behind-meter versus EV-charging-integrated deployments, CEA approval and IS 17387/IEC 62933 standards, NMC versus LFP fire scenarios, thermal runaway propagation, BMS and cooling failure modes, OEM warranty interface, and the capacity available from Indian insurers and offshore reinsurance.
By Sarvada Editorial Team
Market & Trends - May 23, 2026 - 17 min read
Where the IFSCA insurance-linked securities framework actually stands in 2026 (still pre-notification), how GIC Re interest and GIFT City infrastructure are building toward a first domestic cat bond, and what parametric trigger design for monsoon and cyclone risk involves.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 23, 2026 - 19 min read
Indian logistics aggregators including Delhivery, Shiprocket, Xpressbees, Pickrr, and the D2C-shipping platforms face distinctive exposures from cargo liability, platform-aggregator classification, last-mile fraud, and contractual indemnities to brand clients. This post maps the 2026 cover stack with INR pricing benchmarks.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 23, 2026 - 19 min read
Japan is India's fifth-largest FDI source, with cumulative investment above USD 47 billion concentrated in auto, electronics, capital goods, and semiconductor supply chains. Indian manufacturing operations of Maruti Suzuki, Honda, Toyota Kirloskar, Daikin, Panasonic, Mitsubishi Electric, and Sumitomo Electric interlock with Japanese parent supply chains, so insurance programme coordination across business interruption, contingent business interruption, marine cargo, and product liability now requires careful master-local design across Japanese parent insurer programmes, Indian admitted policies, captive structures, and the GIFT City IFSCA reinsurance window.
By Sarvada Editorial Team
Claims & Loss Prevention - May 23, 2026 - 18 min read
A practitioner's guide to subrogation recovery on Indian commercial insurance claims in 2026, covering the doctrine and statutory basis, recovery economics, evidence preservation, third-party identification, litigation strategy, and the operating practices that separate insurers with strong recovery functions from those that leave money uncollected.
By Tarun Kumar Singh
Operations & Best Practices - May 23, 2026 - 15 min read
A practitioner's guide to designing, building, and operating a claims data warehouse inside an Indian commercial insurance broker firm, covering source-system extraction, milestone schema, cohort tagging, governance, and the reporting layer that turns raw claim records into renewal and panel decisions.
By Sarvada Editorial Team
AI & Insurtech - May 23, 2026 - 8 min read
How Indian commercial brokers are deploying agent workflows to automate RFP drafting, term-sheet generation, insurer fit-scoring, premium estimation, wording markup, and broker-of-record letters under IRDAI (Insurance Brokers) Regulations 2018 disclosure requirements.
By Sarvada Editorial Team
Risk Management Strategies - May 23, 2026 - 19 min read
How Indian corporates finance climate physical-risk adaptation in 2026: BRSR Core disclosure pressure, sustainability-linked loans, green bonds and blended finance, and how parametric and indemnity insurance link to the adaptation capex programme.
By Sarvada Editorial Team
Insurance Products - May 23, 2026 - 18 min read
EPLI has moved from a niche multinational placement to a meaningful Indian corporate cover in 2026, driven by POSH Act third-party harassment claim trends, Industrial Disputes Act exposures, and the NCLT employment-claim spillover. Sectoral pricing benchmarks and the defence-costs allocation question.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 23, 2026 - 11 min read
Indian battery swap operators sit between EV fleet, energy storage, and retail real estate risk categories. The insurance market has begun pricing this combination distinctly, with fire, third-party liability, and battery asset cover dominating renewal conversations in 2026.
By Sarvada Editorial Team
Claims & Loss Prevention - May 23, 2026 - 22 min read
A practitioner's guide to time-bar discipline on Indian cargo claims, covering Carriage by Road Act 2007 notice periods, Multimodal Transportation of Goods Act 1993 limitations, Hague-Visby sea limitations, subrogation against carriers, how Indian courts treat time-bar defences, and the broker actions in the first 30 days that preserve recovery.
By Sarvada Editorial Team
Underwriting & Risk - May 23, 2026 - 19 min read
How Indian non-life insurers price and structure D&O cover for SEBI-listed entities in 2026: Side A, B, and C limits and triggers, Additional Side A Limit for non-executive directors, IPO Public Offering of Securities Insurance, exclusions, mid-cap and large-cap pricing benchmarks, and the exposure pattern from recent NCLT, NCLAT, and SEBI orders.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 23, 2026 - 16 min read
Indian IT services firms, GCCs, EPC contractors, and pharma manufacturers send tens of thousands of employees abroad each year on assignments ranging from a 90-day client visit to a five-year secondment. The insurance stack supporting these movements is fragmented across health, group personal accident, employers' liability, business travel, and kidnap-and-ransom layers, with several common failure points that brokers and HR teams routinely miss.
By Sarvada Editorial Team
Regulation & Compliance - May 23, 2026 - 13 min read
The IRDAI Corporate Agent Regulations 2015, amended through 2024 to 2026, define how banks, NBFCs, and other corporate entities distribute insurance in India. The three-insurer cap, fit-and-proper norms, and the broker-versus-corporate-agent distinction shape competitive positioning in 2026.
By Sarvada Editorial Team
Industry Risk Profiles - May 22, 2026 - 20 min read
India's electric bus rollout has accelerated through PM-eBus Sewa and CESL aggregated tenders, with operators deploying buses on Gross Cost Contract terms across state transport undertakings. This profile walks through the full insurance stack: motor third-party and own damage, depot property and business interruption, battery thermal exposure, workers' compensation, and cyber, with indicative per-bus premium ranges.
By Sarvada Editorial Team
Risk Management Strategies - May 22, 2026 - 23 min read
The risk appetite statement is the document that translates board-level tolerance into operational risk and insurance decisions. The 2026 best practice for Indian mid-cap corporates uses ISO 31000 and COSO ERM frameworks, qualitative and quantitative thresholds calibrated to balance sheet, retention versus transfer mapping, and SEBI LODR Regulation 4(2)(f) board sign-off.
By Tarun Kumar Singh
Sarvada
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