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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
Operations & Best Practices - July 2, 2026 - 10 min read
How commission clawbacks arise from mid-term cancellations, endorsement reversals and Section 64VB premium failures, how they flow through insurer statements, how to reserve for clawback exposure, and the controls and client communication that keep the exposure managed.
By Tarun Kumar Singh
Regulation & Compliance - July 2, 2026 - 9 min read
The Sabka Bima Sabki Raksha Act made intermediary licences perpetual from 5 February 2026, ending three-yearly renewals. What disappears with the renewal checkpoint, the continuous obligations that replace it, what still gets a licence suspended, and the governance calendar a broking firm should run now.
By Tarun Kumar Singh
Market & Trends - July 2, 2026 - 6 min read
Record public capital spending, PLI-driven factory build-outs and a logistics-park pipeline are creating structural demand for Contractors' All Risks, Erection All Risks, project cargo and delay-in-startup cover. This market-trends view sets out for engineering underwriters and brokers where capacity, ALOP and DSU appetite and rate discipline will be tested as the project pipeline lands.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 6 min read
The fireworks and match cluster around Sivakasi and Virudhunagar produces most of India's fireworks, and it does so under an explosion frequency that makes conventional fire, liability and employee cover difficult to place. This profile sets out the PESO licensing regime, why fragmented multi-unit production shapes the exposure, the accident record that drives underwriter caution, and what cover is realistically available to operators in the cluster.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 7 min read
The operational phase of a BOT (Toll) highway concession carries a risk profile that construction-all-risks and surety-bond placements do not address. This profile examines the operating concessionaire's property and business-interruption exposure tied to toll revenue, the third-party and public liability for road users, the insurance obligations in the Model Concession Agreement, and how InvIT monetisation reshapes the picture.
By Sarvada Editorial Team
Market & Trends - July 2, 2026 - 5 min read
A scaled-up Maritime Development Fund, a richer shipbuilding subsidy and infrastructure status for ships are seeding a wave of yard construction and tonnage growth. This market-trends read sets out for marine underwriters and brokers the builders'-risk, hull and ship-repair liability demand this creates, and where domestic capacity must be backstopped by reinsurance.
By Sarvada Editorial Team
Market & Trends - July 2, 2026 - 5 min read
With the repo rate at 5.25% and the 10-year G-sec near 6.7%, the era of fat investment income subsidising soft underwriting is fading. This market-trends analysis explains how lower reinvestment yields, combined with combined ratios near 100, push insurers toward genuine rate discipline, and what that means for commercial renewals through 2026.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 6 min read
Integrated abattoir-to-frozen-export plants for buffalo meat and poultry carry a risk mix that dairy, cold-chain and FMCG profiles do not capture: ammonia refrigeration hazards, contamination and product-recall exposure under APEDA and FSSAI oversight, marine and reefer transit risk on exports, and the effluent liability of combined slaughter and rendering. This profile sets out each exposure and how the covers respond.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 6 min read
A risk profile for India's civil nuclear operators, the established public operator and the private and foreign entrants the 2025 reform invites, distinguishing the statutory third-party liability layer carried by the India Nuclear Insurance Pool from the conventional property, machinery-breakdown and business-interruption programme a reactor still needs.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 6 min read
Engineered-wood plants making plywood, MDF and particle board combine a heavy fire load of wood, dust and resin with high-temperature press and dryer lines, producing a fire, machinery-breakdown and product-liability exposure distinct from paper mills or printing plants. This profile examines the dust and resin ignition risk, the hot-press and dryer hazards, the consolidation driven by the 2025 BIS Quality Control Orders, and how the property and liability covers respond.
By Sarvada Editorial Team
Market & Trends - July 2, 2026 - 5 min read
The latest PMFBY reform package layers remote-sensing yield estimation, automated claims and a technology fund onto India's crop-insurance scheme, while penalising insurers for delays. This market-trends read explains for agri-insurance underwriters and brokers how transparency, escrow funding and tech infusion are changing the economics of the line through 2026.
By Sarvada Editorial Team
Industry Risk Profiles - July 2, 2026 - 6 min read
Pumped storage projects are India's fastest-growing grid-storage class, and their construction phase carries a distinct underground-works and delay-in-start-up exposure that solar and battery storage do not. This profile sets out the erection all risks and advance loss of profits picture for off-stream pumped storage powerhouses, the tunnelling and geological hazards, and the developer concentration that creates portfolio accumulation for insurers and brokers.
By Sarvada Editorial Team
Operations & Best Practices - July 1, 2026 - 10 min read
A working guide for placement teams on net-of-brokerage quoting: when insurers quote net on large accounts, how to convert brokerage into a client-paid fee, the Section 64VB and GST mechanics of fee invoicing, the documentation file, and the double-dipping pitfalls that the 2026 disclosure push will expose.
By Tarun Kumar Singh
Operations & Best Practices - July 1, 2026 - 9 min read
Taking over an orphaned or BOR-changed commercial policy is not a free renewal win. How BOR letters actually work with Indian insurers, why mid-term transfers rarely move commission before renewal, the servicing duties the incoming broker inherits immediately, and the disputes with outgoing brokers to settle in advance.
By Tarun Kumar Singh
Operations & Best Practices - July 1, 2026 - 10 min read
Most Indian broking firms leak 1 to 4 percent of commission income through unbilled endorsements, missed renewal credits, statement mismatches, and short-payments. A practical audit method, the leakage families to test first, and the recovery ranges a mid-size broker can realistically expect.
By Tarun Kumar Singh
Insurance Products - July 1, 2026 - 6 min read
The Bankers Indemnity Policy, also known as the Bankers Blanket Bond, is the core fidelity-crime cover for financial institutions, yet its clause-by-clause structure and its limits on electronic fraud catch many buyers out. This guide walks through the insuring-clause architecture, the employee-collusion proof problem, the cyber sub-limit gap, and how the product applies to NBFCs and fintechs facing rising digital-payment fraud.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Carrier's Legal Liability insurance protects the road transporter, not the cargo owner, against claims for goods lost or damaged in transit. This post explains how the cover sits against the Carriage by Road Act 2007, why the ten-times-freight limit and declared-value mechanics decide what gets paid, how fire, explosion and accident triggers work, and where 3PLs and fleet operators are quietly under-insured.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Integrators and contract farmers running layer, broiler and dairy operations face concentrated mortality risk from disease and weather, yet the policies meant to cover it are full of conditions that decide whether a claim pays. This post sets out how poultry and livestock mortality cover is built, the valuation-table and 80% indemnity mechanics, where the government subsidy applies, and the disease exclusions and underwriting conditions that leave commercial-scale operators exposed.
By Sarvada Editorial Team
Market & Trends - July 1, 2026 - 6 min read
Health is now the largest general-insurance line in India, but corporate group mediclaim is repricing hard. Medical inflation running near 14% and claims ratios past 90% are forcing insurers to push rate, and the squeeze is reshaping how 2026 renewals are rated and structured. This post is a market read for brokers placing employee-benefit programmes: the inflation and loss-ratio drivers, the levers insurers are pulling, and how to take an employer through a hardening renewal.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 7 min read
Cold-chain operators often assume their stock is covered when their refrigeration plant breaks down, but spoilage cover is a separate engineering product with strict preconditions. This guide explains Deterioration of Stock insurance, why it depends on an underlying Machinery Breakdown policy, the standby-power conditions behind the FOES extension, and where vaccine and pharmaceutical stock leaves operators exposed.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Indian developers carry a five-year RERA obligation to rectify structural defects after handover, but most carry it on their own balance sheet. Inherent Defects Insurance turns that latent-defect liability into a first-party building cover, validated by independent technical inspection. This post explains how IDI works, how its decade-long term lines up against the RERA window, how it differs from title insurance and Construction All Risks, and what could finally push adoption.
By Sarvada Editorial Team
Market & Trends - July 1, 2026 - 6 min read
After the 2021 boom, Indian insurtech funding has collapsed and consolidation is setting in. With investment down sharply and capital flowing only to a few late-stage names, the survivors-versus-shutdowns dynamic now matters to any broker leaning on insurtech rails, MGA platforms or embedded-distribution partners. This post maps the pullback, why it happened, and how a commercial broker should treat partner runway as a live operational risk in 2026.
By Sarvada Editorial Team
Claims & Loss Prevention - July 1, 2026 - 7 min read
A damaged or stranded consignment can qualify as a constructive total loss under the Marine Insurance Act 1963, yet still settle as a partial loss if the assured mishandles the notice of abandonment. This guide walks through when a CTL arises, the election the assured must make, the strict notice requirement under Section 62, and the procedural trap that quietly downgrades a total-loss recovery.
By Sarvada Editorial Team
Insurance Products - July 1, 2026 - 6 min read
Boards heading into an IPO often assume their D&O policy will absorb any claim arising from the prospectus. It will not do so cleanly. This guide explains POSI as a distinct, ring-fenced transactional cover for prospectus liability, the Companies Act 2013 triggers that drive the exposure, who POSI protects that D&O does not, and why a multi-year structure matches the liability tail.
By Sarvada Editorial Team
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