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July 2, 2026

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956 articles

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Underwriting & Risk - May 21, 2026 - 24 min read

Cyclone Exposure Underwriting on the Eastern Coast: Odisha, Andhra, and the 2026 Renewal Cycle

How Indian non-life insurers and reinsurers are pricing cyclone exposure on the Odisha and Andhra Pradesh coastline for the 2026 season: IMD revised cyclone climatology, district and grid-level aggregation, named-storm definitions, parametric wind and rainfall triggers, deductible structures, and the lessons from Cyclone Dana and Cyclone Fengal in 2024.

By Sarvada Editorial Team

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Claims & Loss Prevention - May 21, 2026 - 18 min read

Fire Claim Investigation Protocols for Large Commercial Losses in India: 2026 Practitioner Guide

A practitioner's guide to fire claim investigation on large Indian commercial losses, covering surveyor appointment under the IRDAI Insurance Surveyors and Loss Assessors Regulations 2015 (as amended), joint-survey practice on losses above INR 1 crore, forensic chain of custody, IIB cause-of-loss data, and the broker tactics that move interim findings towards a fair settlement.

By Sarvada Editorial Team

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Regulation & Compliance - May 21, 2026 - 16 min read

Insurer-Side DPDP Act Implementation in 2026: Consent Manager Integration, Data Fiduciary Duties, Broker-as-Processor, and Breach Notification SOPs

An implementation handbook for Indian insurers operationalising the DPDP Act 2023 in 2026 following Rules notification, covering consent manager integration, data fiduciary duties, the broker-as-processor relationship, breach notification SOPs, and the governance posture risk committees should adopt now.

By Tarun Kumar Singh

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Regulation & Compliance - May 21, 2026 - 14 min read

Insurance Amendment Bill 2026 Cycle in India: Composite Licence, FDI Changes, Distribution Rules, and the Broker Firm Implications

An analysis of the 2026 cycle of the Insurance Amendment Bill in India and its implications for broker firms, including the composite licence proposal, FDI policy changes, distribution rule revisions, the agent versus broker boundary, and the FOS bench expansion that together will reshape commercial broking economics through the decade.

By Sarvada Editorial Team

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Risk Management Strategies - May 21, 2026 - 19 min read

ISO 22301 Business Continuity Management for Indian Corporates: BIA to Coverage Mapping, RTO and RPO Versus BI Indemnity Periods, and Parametric BCM Triggers

An implementation playbook for ISO 22301:2019 Business Continuity Management Systems at Indian corporates, with explicit alignment to the insurance programme. Covers BIA methodology mapped to BI sums insured, RTO and RPO calibration against indemnity periods, and the emerging use of parametric structures as BCM activation triggers.

By Sarvada Editorial Team

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Regulation & Compliance - May 20, 2026 - 14 min read

Post-Launch Bima Sugam Impact on Indian Broker Economics in 2026: Account Access, Retail Commission Compression, and Commercial Defensibility

How Bima Sugam is reshaping Indian broker economics after retail phase 1 rollout: client account access mechanics, commission compression risks in retail lines, the commercial-lines defensibility argument, and the technology adaptations brokers need to remain commercially viable through the phase 2 transition.

By Sarvada Editorial Team

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Risk Management Strategies - May 20, 2026 - 21 min read

Building an Enterprise Risk Framework for Indian Mid-Cap Manufacturers: Register Design, Control Self-Assessment, and Insurance-Procurement Integration

A practitioner playbook for ERM implementation at Indian mid-cap manufacturers with revenues of INR 500 to 5,000 crore. Covers risk register architecture, control self-assessment methodology, board-level operational risk committee design, and the integration of risk findings into the annual insurance procurement cycle.

By Sarvada Editorial Team

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Regulation & Compliance - May 20, 2026 - 15 min read

Anticipated IRDAI Cyber Security Framework v2 in 2026: Scope Expansion, Third-Party Risk, and Board Attestation for Indian Insurers and Intermediaries

A field guide to the expected 2026 refresh of the IRDAI Information and Cyber Security Guidelines 2023, covering scope expansion to brokers and TPAs, third-party risk obligations, board attestation, and the implementation actions that risk and compliance leaders should begin in advance of formal notification.

By Tarun Kumar Singh

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Industry Risk Profiles - May 19, 2026 - 18 min read

Semiconductor Fab Construction Phase Insurance in India: EAR, DSU, and Underwriting the Tata-PSMC Dholera and Sanand Builds

An underwriting and broker placement guide to the Erection All Risks and Delay in Start Up cover for India's first wave of semiconductor fabs and packaging plants. Covers hot and dry test phase exposures, vendor third-party liability, ISM Mission incentive interplay, and the DSU sum insured calibration that has become the central placement question for 2026.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - May 19, 2026 - 16 min read

Space Launch Startup Insurance in India 2026: Pre-Launch, Launch, In-Orbit, and Third-Party Liability for Indian Launch Vehicle Companies

Indian private launch vehicle startups including Skyroot Aerospace, Agnikul Cosmos, and EtherealX face a four-phase insurance need (pre-launch, launch, in-orbit, third-party liability) governed by the Outer Space Treaty 1967 and the IN-SPACe norms with material gaps in domestic insurance capacity.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - May 18, 2026 - 16 min read

Drone as a Service Startup Insurance in India: Hull, Liability, DGCA Compliance, and Customer Indemnity for DaaS Operators

Indian DaaS operators including Garuda Aerospace, ideaForge, and ThrottleAerospace face a hybrid SaaS-meets-operator insurance need: fleet hull and liability for hundreds of airframes, DGCA Drone Rules 2021 compliance, BVLOS pilot exposure, and customer indemnity stacks that no off-the-shelf product covers.

By Sarvada Editorial Team

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