Insights

Research and insights for modern underwriting teams

Explore underwriting workflows, regulator-sourced risk research, and operational best practices.

Library

Regulator-sourced research, briefings, and editorial analysis

Topics

Underwriting, claims, insurance products, and regulation

Latest

July 2, 2026

Browse by topic

956 articles

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

AI & Insurtech - May 22, 2026 - 21 min read

Predictive Fleet Telematics for Commercial Motor Insurance India 2026: From Pricing Signals to Loss Prevention

How commercial fleet telematics is reshaping motor insurance in India through 2026: LCV, HCV, and taxi-aggregator adoption, IRDAI PAYD and PHYD circulars, pricing-signal feature engineering, driver coaching ROI, claims frequency reduction, and the vendor stack across CarIQ, Trinetra, LogiNext, Locuz, and insurer-built platforms.

By Sarvada Editorial Team

Read article

Operations & Best Practices - May 22, 2026 - 19 min read

Mid-Term Policy Cancellation Workflow for Indian Commercial Brokers 2026: Refund Calculation, Conditions, and Audit

A working operations guide for Indian commercial brokers on mid-term policy cancellation in 2026: short-period scale versus pro-rata refunds, GST refund treatment, IRDAI cancellation circulars, broker commission claw-back, written client instruction protocols, refund routing with TDS, endorsement issuance discipline, and the common dispute points that surface in audit.

By Tarun Kumar Singh

Read article

Market & Trends - May 22, 2026 - 18 min read

Retail Insurance Broker Margin Compression India 2026: EOM Reforms, Commission Caps, and Survival Strategies

How IRDAI's EOM Regulations 2024 and successor commission caps are compressing retail broker margins through 2026, what the fall from historical 22 to 28 percent retail commission rates to 14 to 18 percent realised yields means for broker firms, and the fee-based, technology-driven, and consolidation responses that distinguish survivors.

By Sarvada Editorial Team

Read article

Insurance for Startups & New Economy - May 22, 2026 - 20 min read

EV Charging Network Operator Insurance India 2026: Public Liability, Asset Damage, and Grid-Tie Risks

Indian EV charging network operators including Tata Power EZ Charge, Statiq, ChargeZone, Glida, and the oil-marketing-company networks face distinctive insurance exposures from DC fast charger fires, electrocution liability, grid-tie surge events, and OCPP-connected cyber risk. This post maps the 2026 cover stack with INR pricing benchmarks.

By Sarvada Editorial Team

Read article

Global & Cross-Border Insurance - May 22, 2026 - 17 min read

Global Product Recall Insurance for Indian Exporters: 2026 Coverage, Triggers, and Cross-Border Claim Coordination

Indian pharmaceutical, food, auto-component, and electronics exporters now face recall exposure across multiple regulators including FDA, EFSA, CPSC, Health Canada, MHRA and FSSAI domestically. Recall insurance written in India, the Lloyd's syndicates, and the Bermuda market each treat triggers, first-party costs, and third-party consequences differently. Programme design in 2026 requires a layered structure that maps recall triggers to regulatory jurisdictions, separates first-party recall costs from third-party liability, and uses GIFT City IFSCA reinsurance to keep meaningful capacity within Indian programme coordination.

By Sarvada Editorial Team

Read article

Insurance Products - May 22, 2026 - 18 min read

Trade Credit Insurance for Indian MSME Exporters and Domestic Suppliers: 2026 Product Map

Trade credit cover has moved from ECGC-dominated to a genuinely mixed market for Indian MSME exporters and domestic suppliers. The 2026 product map spans ECGC Whole Turnover, Shipment, and Buyer-wise covers, private market placements with Atradius, Coface, ICICI Lombard, and TATA AIG, premium benchmarks by country risk band, and the Red Sea disruption claims experience.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - May 22, 2026 - 22 min read

Business Interruption Claim Quantification in India: 2026 Practitioner Guide

A practitioner's guide to business interruption loss adjustment under the standard Indian fire wording, covering indemnity period selection, gross profit versus net profit basis, ICAI forensic accounting standards, but-for methodology, increased cost of working sub-limits, and the broker checklist when a forensic accountant is brought in.

By Sarvada Editorial Team

Read article

Regulation & Compliance - May 22, 2026 - 16 min read

DPDP Act 2023 for Insurance Brokers: Data Fiduciary Obligations in 2026

The Digital Personal Data Protection Act 2023 reshapes how Indian insurance brokers collect, process, store, and share personal data. With the DPDP Rules notified in November 2025 on a phased 12-to-18-month rollout (full enforcement and penalties by mid-2027) and Data Protection Board penalties of up to INR 250 crore in play, brokers must move now to operate as data fiduciaries with documented compliance.

By Sarvada Editorial Team

Read article

Underwriting & Risk - May 22, 2026 - 19 min read

Machinery Breakdown Underwriting for Process Industries: Cement, Steel, Paper, and Petrochemical in 2026

How Indian non-life insurers price machinery breakdown for process industries in 2026: sum-insured methodology, deductible architecture for turbines, kilns, presses and reactors, time-element versus amount deductibles for downtime, IIB loss-cost benchmarks, and the policy wording moves that follow the 2023 to 2025 cement and steel loss cycle.

By Sarvada Editorial Team

Read article

Global & Cross-Border Insurance - May 22, 2026 - 14 min read

Supply Chain Finance Insurance for Indian Exporters: 2026 Coverage Map

Indian exporters increasingly fund working capital through reverse factoring, dynamic discounting, and platform-based supply chain finance. The insurance architecture protecting these flows sits at the intersection of trade credit, surety, and political risk markets, and the 2026 capacity map looks materially different from what most exporters last reviewed.

By Sarvada Editorial Team

Read article

Insurance Products - May 21, 2026 - 18 min read

Transit-cum-Storage and Warehouse Open Cover India 2026: Product Design for Multi-Modal Logistics

Combined transit and storage products bridge the gap between marine cargo policies and warehouse fire cover, addressing the practical reality that goods sit in third-party warehouses, intermediate transit sheds, and consolidation points for days or weeks between movements. The 2026 Indian product design has evolved to address multi-modal handovers, NSEL-pattern third-party warehouse failures, and the GST-warehouse documentation chain.

By Sarvada Editorial Team

Read article

Operations & Best Practices - May 21, 2026 - 19 min read

Risk Manager Dashboard Design for Indian Corporates 2026: KRIs, Insurance Programme Visibility, and Board Reporting

A working design guide for risk manager dashboards in Indian mid-cap and large-cap corporates in 2026: the key risk indicators to surface, the insurance programme visibility a board actually needs, the tooling choices (Archer, ServiceNow GRC, Tableau, Power BI), and the integration paths into broker portals, IRDAI and SEBI disclosure timelines, and IFRS 17 corporate-side mirror reporting.

By Tarun Kumar Singh

Read article

Global & Cross-Border Insurance - May 21, 2026 - 16 min read

India-Singapore Trade Corridor 2026: Marine Cargo Insurance Implications for Indian Exporters

Bilateral trade through the India-Singapore corridor has grown strongly under the long-standing CECA framework and the IFSCA-MAS regulatory bridge. Marine cargo wordings, arbitration forum choices, Jurong storage extensions, and freight-related war risk loadings need to be re-examined as Singapore consolidates its role as a transhipment and bonded warehousing hub for Indian shippers.

By Sarvada Editorial Team

Read article

Insurance Products - May 21, 2026 - 16 min read

Parametric Rainfall Cover for Agri Corporates and Food Processors: India 2026

Parametric rainfall products have moved out of the IRDAI sandbox and into mainstream corporate placement for agri-input companies, sugar mills, contract farming aggregators, and food processors. The 2026 product set, the IMD gridded data trigger architecture, GIFT City IFSC parametric vehicles, and basis risk all matter to the buying decision.

By Sarvada Editorial Team

Read article

Sarvada

Use these ideas inside your underwriting workflow

See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.

Explore the platformContact the team