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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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October 8, 2026
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1513 articles
Claims & Loss Prevention - July 9, 2026 - 10 min read
When an OT attack physically damages plant, the property insurer cites its cyber exclusion and the cyber insurer cites its physical-damage carve-out. This is a claims-recovery playbook for proving the trigger, sequencing both notifications, and closing the silent-cyber gap.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 9, 2026 - 10 min read
The inventory-led used-car platform owns refurbished stock across yards, runs workshops, and sells warranties. This 2026 guide maps the floater, workmanship, motor-trade road-risk, and warranty-product covers those exposures demand.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 10 min read
The unit economics of group health broking in 2026: why premium inflation no longer translates into brokerage growth, how claims ratios above 100 percent turn insurers against distribution cost, what endorsement volumes, claims desks, and NHCX workflows actually cost, and the portfolio strategies that keep an EB book profitable.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 9 min read
The 2026 commission-reform pipeline is repricing Indian broker M&A. How buyers now grade revenue quality across upfront, renewal, and fee income, the diligence questions that decide multiples, and earn-out structures that share regulatory risk between buyer and seller.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 9 min read
IRDAI's reported commission overhaul targets passive bank-channel selling and proposes paying more for advisory, documentation, and claims servicing. What that means for banca economics, and how brokers can win corporate and SME accounts currently sold through bank channels.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 8, 2026 - 8 min read
A broker's guide to insuring online pharmacy platforms in India, covering pharmacist dispensing indemnity, product liability for substituted or falsified drugs, last-mile cold-chain spoilage, and DPDP health-data breach exposure under the October 2025 draft Drugs, Medical Devices and Cosmetics Act.
By Sarvada Editorial Team
Insurance Products - July 8, 2026 - 8 min read
Freight forwarders liability insurance answers the errors-and-omissions, misdelivery and documentary exposures a marine cargo policy never touches. Here is how brokers should structure FFL cover for NVOCCs and multimodal operators after the Bills of Lading Act 2025 reset where title and rights of suit sit.
By Sarvada Editorial Team
Operations & Best Practices - July 8, 2026 - 10 min read
A working guide to running a corporate group mediclaim programme in 2026: managing the CD account float, pricing mid-term member additions and deletions, keeping enrolment data clean, and reconciling the CD balance against TPA and insurer statements.
By Tarun Kumar Singh
Regulation & Compliance - July 8, 2026 - 9 min read
The 2024 PPHI Regulations fold advertising controls into a principle-based regime that now covers broker social posts and finfluencer content, while a Rs 1 crore penalty shows how ad spend can be read as disguised commission.
By Tarun Kumar Singh
Industry Risk Profiles - July 8, 2026 - 9 min read
As SBFAP 2.0 and the INR 25,000 crore Maritime Development Fund swell India's order books, brokers must price the shipyard as a builder's risk class of its own, covering hull under construction, launch, dry-dock property and fitting-out exposure.
By Sarvada Editorial Team
AI & Insurtech - July 8, 2026 - 9 min read
ISO's generative-AI exclusion endorsements went live on 1 January 2026 and carriers are fragmenting AI cover across lines. This is a clause-level map of where a hallucination, model drift or automated decision now falls between GL, D&O, cyber and Tech E&O for Indian buyers, and how to negotiate carve-backs at renewal.
By Sarvada Editorial Team
Underwriting & Risk - July 8, 2026 - 10 min read
The LMA5410 property-treaty cyber exclusion and the LMA5400 fire and explosion carve-out are flowing into Indian fire and engineering wordings through treaty renewals, opening a non-affirmative gap that brokers now have to reconcile against the affirmative cyber tower.
By Tarun Kumar Singh
Market & Trends - July 8, 2026 - 9 min read
Marsh's 2026 report puts India at 33% of Asia's transactional-risk claim notifications, with 92% tied to PE-backed deals. Here is what drives W&I, tax and contingent-liability adoption, and where capacity and pricing now sit.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 8 min read
Embedded and partner distribution runs on remuneration structures that the law polices tightly. Who may lawfully receive insurance remuneration, how group administrator economics work, where disguised commission sharing hides, and what the 2026 disclosure push means for embedded programs.
By Tarun Kumar Singh
Market & Trends - July 7, 2026 - 10 min read
With IRDAI preparing a commission-rules overhaul and a consultation paper expected by end July 2026, Indian brokers are re-examining fee-based advisory. What the IRDAI (Insurance Brokers) Regulations, 2018 permit, how to price retainers and project work, and where mid-market and large corporate clients actually accept fees.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 9 min read
The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act, 2025 restored IRDAI's statutory power to cap distributor commissions, a potential reversal of the 2023 deregulation. Three scenarios brokers should model now (EOM-only status quo, caps by line, caps by tenure), what each does to a broking P&L, and the triggers that tell you which one is arriving.
By Tarun Kumar Singh
Market & Trends - July 7, 2026 - 9 min read
The Air India AI171 crash produced an estimated $475m in claims against a sector that collects a fraction of that in annual premium, hardening hull, war and liability rates and tightening reinsurance terms at the 2026 renewal.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 9 min read
The Bharatiya Vayuyan Adhiniyam 2024 replaced the 1934 Aircraft Act on 1 January 2025 and folded drones into the statutory definition of aircraft, reshaping hull, liability, product and MRO insurance duties for Indian operators and their brokers.
By Tarun Kumar Singh
Operations & Best Practices - July 7, 2026 - 10 min read
A back-office administration playbook for large corporate and logistics fleets, covering mid-term addition and deletion endorsements, IDV schedule upkeep, no-claim-bonus migration, claims-ratio MIS and renewal marshalling.
By Tarun Kumar Singh
Insurance for Startups & New Economy - July 7, 2026 - 9 min read
How e-scooter manufacturers like Ola Electric, Ather and Ultraviolette should structure product liability, mass battery-fire recall, dealer-warranty and finished-goods business interruption cover, mapped to AIS-156 battery-safety norms and IRDAI liability wordings.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 7, 2026 - 8 min read
The India-Oman CEPA came into force on 1 June 2026, opening duty-free access on 98 percent of Omani tariff lines. This guide maps the trade credit limits, Sohar and Duqm marine routing, and energy exposures brokers must place for this new corridor.
By Sarvada Editorial Team
Underwriting & Risk - July 7, 2026 - 9 min read
The SHANTI Act 2025 rewrites how nuclear suppliers face recourse liability in India, and the Budget 2025 Nuclear Energy Mission brings private operators into the pool. Here is how vendor and supplier right-of-recourse exposure is actually insured.
By Tarun Kumar Singh
Industry Risk Profiles - July 7, 2026 - 10 min read
India's offshore upstream sector is entering a deepwater phase with OALP Round-X ultra-deepwater blocks and the Andaman gas discovery. This risk profile covers the Control of Well and Operators Extra Expense package, MODU and platform physical damage, and seepage and pollution liability that define an E&P operator's insurance programme.
By Sarvada Editorial Team
Claims & Loss Prevention - July 7, 2026 - 10 min read
When a damaged commercial building is rebuilt, the municipal plan officer applies the code in force on the date of reconstruction, not the code the old structure was built to, and the extra cost of compliance reads as improvement that the betterment exclusion strips out. This piece explains how the public authorities clause carves forced code-upgrade costs back into cover, what it still excludes, and how brokers and risk managers size the extension against the sub-limit before a loss rather than discovering the gap at rebuild.
By Sarvada Editorial Team
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