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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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July 2, 2026
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956 articles
Risk Management Strategies - May 8, 2026 - 11 min read
How Indian risk managers move beyond single-peril modelling to design cascade-failure scenarios that link grid outages, supplier collapse, ransomware, and reputational shock, then map each chain to specific insurance triggers and retention layers.
By Sarvada Editorial Team
Underwriting & Risk - May 8, 2026 - 14 min read
Cyber aggregation, where a single event generates correlated losses across multiple policyholders sharing common infrastructure, is the Indian insurance market's most pressing emerging underwriting challenge. This guide covers cloud concentration risk, the AIIMS ransomware case study, Lloyd's war exclusions, and how Indian insurers are beginning to model and cap aggregate cyber exposure.
By Sarvada Editorial Team
Underwriting & Risk - May 8, 2026 - 16 min read
Food and beverage contamination underwriting in India remains underdeveloped despite escalating FSSAI enforcement and recall activity. This post examines what separates product recall cover from product liability, how underwriters score contamination risk, and what Indian SME food processors need to know.
By Sarvada Editorial Team
Operations & Best Practices - May 7, 2026 - 14 min read
Risk managers and legal teams reviewing commercial contracts in India must assess indemnity clauses, waiver of subrogation requirements, additional insured endorsements, and minimum insurance specifications; each carries distinct implications under Indian law and IRDAI-filed policy wordings that differ sharply from US and UK templates.
By Tarun Kumar Singh
Insurance for Startups & New Economy - May 7, 2026 - 17 min read
EdTech startups in India face a distinct insurance challenge: DPDP Act obligations for minors' data, professional liability from AI tutors and exam coaching failures, and platform liability for live tutoring marketplaces. This guide covers the full insurance programme for Series A-C EdTech companies.
By Sarvada Editorial Team
Underwriting & Risk - May 7, 2026 - 14 min read
Environmental liability underwriting in India is shifting as ESG disclosure requirements tighten, regulatory enforcement under the Environment Protection Act intensifies, and reinsurance capacity for Indian environmental risks becomes more selective. This guide covers EIL policy triggers, sector-specific risk profiles, D&O exposure from ESG misstatements, and legacy versus sudden-and-accidental coverage debates.
By Sarvada Editorial Team
AI & Insurtech - May 7, 2026 - 14 min read
Large language models are reshaping how Indian commercial insurers draft, review, and customise policy wordings, from clause generation to endorsement drafting and IRDAI format compliance, but hallucinated exclusions and the absence of regulatory guidance on AI-authored policy language demand structured legal oversight.
By Sarvada Editorial Team
Underwriting & Risk - May 7, 2026 - 15 min read
Third-party logistics and warehouse operators present some of the most complex underwriting profiles in Indian commercial insurance. This guide covers bailee liability, fire underwriting for Indian warehouse construction types, stock throughput policies, contractual liability mismatches, and key underwriting questions for 3PL, cold chain, and e-commerce fulfilment operators.
By Sarvada Editorial Team
AI & Insurtech - May 6, 2026 - 13 min read
Satellite imagery, drone surveys, and computer vision models are transforming how Indian commercial insurers assess property risks, estimate probable maximum loss, and meet IRDAI surveyor requirements, with measurable cost savings over traditional field visits but unresolved questions about regulatory acceptance.
By Sarvada Editorial Team
Insurance Products - May 6, 2026 - 15 min read
Business interruption insurance in India operates as a separate consequential loss policy triggered only when material damage first occurs. This guide explains indemnity period selection, gross profit basis, sum insured calculation, the average clause trap, and how Indian insurers price and settle BI claims.
By Sarvada Editorial Team
Claims & Loss Prevention - May 6, 2026 - 16 min read
Fire incident investigation in Indian commercial insurance involves IRDAI-licensed surveyors, forensic fire investigators, and complex cause-and-origin analysis that directly determines whether a claim is paid, reduced, or repudiated. This post examines how investigations are conducted and how they shape fire insurance claim outcomes across Indian manufacturing, warehousing, and chemical facilities.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 6, 2026 - 13 min read
Indian IT services and BPO firms face materially different cyber liability exposures in US and UK markets than they do domestically, driven by CCPA, UK GDPR, SEC disclosure mandates, and MSA indemnity clauses requiring USD 5-10 million in coverage that Indian IRDAI-filed cyber products often cannot adequately satisfy.
By Sarvada Editorial Team
Operations & Best Practices - May 6, 2026 - 14 min read
Insurance integration is consistently the last item addressed in Indian M&A post-close checklists and the source of costly coverage gaps. This guide covers the first 90 days priority list, policy assignment and novation, change of control endorsements, and the transition from dual programmes to a unified structure.
By Sarvada Editorial Team
Operations & Best Practices - May 6, 2026 - 14 min read
Corporate risk managers in India need live portfolio-level visibility into open claims, reserves, and settlement timelines rather than quarterly insurer reports. This guide covers what a claims dashboard must show, how to source the data, and how to set measurable KPIs against IRDAI-mandated settlement timelines.
By Sarvada Editorial Team
Risk Management Strategies - May 6, 2026 - 9 min read
A decade of Indian financial-sector failures, from IL&FS to PMC Bank to several insurer mis-selling scandals, share a common thread: weak risk culture rather than weak risk frameworks. Identifying and fixing culture is harder than tightening policy, but the better return on effort.
By Tarun Kumar Singh
Operations & Best Practices - May 5, 2026 - 12 min read
Large Indian enterprises collect hundreds of COIs annually from vendors, contractors, and tenants. Without a systematic tracking process, deficient COIs create uninsured vendor gaps and contractual breaches that only surface at claim time.
By Sarvada Editorial Team
Industry Risk Profiles - May 5, 2026 - 10 min read
India's 8,600 cold storage facilities face a distinct set of engineering, fire, and perishable goods risks that require a layered insurance programme. This guide maps out every policy a cold storage operator needs and the underwriting factors that drive premiums.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 5, 2026 - 18 min read
HealthTech startups in India face a convergence of CDSCO regulation for Software as a Medical Device, product liability for diagnostic AI algorithms, and clinical data obligations under the DPDP Act and ABDM framework. This guide covers the full insurance programme for medical device and clinical AI companies.
By Sarvada Editorial Team
Risk Management Strategies - May 5, 2026 - 13 min read
Standard SFSP-based business interruption policies exclude pandemic losses because they require a physical damage trigger. This guide examines what coverage is realistically available to Indian companies after COVID-19, from non-damage BI extensions and parametric pandemic products to supply chain covers and IRDAI's evolving stance on standard pandemic products.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 11 min read
Most Indian companies renew insurance without knowing whether their premium rate is above or below the market. Benchmarking gives risk managers the data to challenge renewal pricing with evidence rather than assertion.
By Sarvada Editorial Team
Claims & Loss Prevention - May 5, 2026 - 14 min read
A step-by-step guide to managing a machinery breakdown insurance claim in India, from first notification of loss through surveyor investigation, root cause analysis, repair authorization, and final settlement, with sector-specific examples from textiles, cement, and general manufacturing.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 14 min read
A practical guide for Indian risk managers on building a risk register suited to mid-market companies and systematically mapping identified risks to insurance coverage, retention, or mitigation, closing the gap between what appears on the register and what the insurance programme actually covers.
By Tarun Kumar Singh
Global & Cross-Border Insurance - May 4, 2026 - 10 min read
The admitted versus non-admitted decision shapes whether insurance is legally enforceable, how claims are paid, and what penalties apply. Indian multinationals need a market-by-market strategy, not a blanket assumption.
By Sarvada Editorial Team
Claims & Loss Prevention - May 4, 2026 - 6 min read
Indian health insurers leak 12 to 18% of claim spend to preventable causes. Analytics has moved from pilot to operating discipline, but most insurers still capture only a fraction of the available recovery.
By Tarun Kumar Singh
Sarvada
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