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July 2, 2026
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956 articles
Underwriting & Risk - May 4, 2026 - 12 min read
A loss control survey is not an audit, it is an underwriter's primary tool for assessing risk quality before pricing your policy. This guide explains what Indian commercial insurance surveyors look for, how findings translate into premium and coverage terms, and how risk managers can prepare effectively.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 4, 2026 - 17 min read
Indian companies expanding internationally face a complex insurance architecture challenge: master policies placed in India must mesh with locally admitted policies in host countries, FEMA premium remittance rules, and admitted insurance requirements in Africa, the Middle East, and Southeast Asia that global insurance networks are still learning to navigate.
By Tarun Kumar Singh
Market & Trends - May 4, 2026 - 15 min read
Parametric insurance is expanding well beyond agricultural weather-index products in India, with trigger-based structures now being piloted for construction delays, renewable energy shortfalls, hospitality revenue losses, and supply chain disruptions. This post examines the commercial sectors drawing interest, IRDAI's regulatory stance, basis risk challenges, and the data infrastructure underpinning these products.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 4, 2026 - 11 min read
Indian IT consultants, engineers, and management professionals working on overseas contracts face PI exposure that Indian domestic policies do not cover. This guide explains why, and how to close the gap.
By Sarvada Editorial Team
Industry Risk Profiles - May 4, 2026 - 9 min read
With over 11 GW of rooftop solar capacity installed in India by end-2025, commercial and industrial property owners face new insurance questions: does the existing fire policy cover the panels, and what happens when a faulty inverter sets the building on fire? This guide answers both.
By Sarvada Editorial Team
AI & Insurtech - May 3, 2026 - 16 min read
AI-driven predictive modelling and catastrophe model integration are allowing Indian primary insurers to rethink retention levels, treaty structures, and renewal negotiations with international reinsurers, though GIC Re's mandatory cession obligations and data quality constraints shape what is achievable.
By Sarvada Editorial Team
Claims & Loss Prevention - May 3, 2026 - 15 min read
A practical guide to cargo damage claims arising at Indian ports including JNPT, Mundra, Chennai, Vizag, and Kolkata, covering time limits, documentation requirements, surveyor appointment, carrier liability under Hague-Visby Rules, and subrogation recovery from port operators and stevedores.
By Sarvada Editorial Team
Insurance Products - May 3, 2026 - 14 min read
Directors and Officers liability insurance is no longer the exclusive preserve of NSE-listed boardrooms. Personal liability exposure under the Companies Act 2013, NCLT insolvency proceedings, and investor-driven requirements are making D&O a practical necessity for privately held Indian SMEs.
By Tarun Kumar Singh
Risk Management Strategies - May 3, 2026 - 13 min read
When a contractor's worker is injured on your premises and the contractor carries no valid insurance, your company faces the claim. This guide maps the liability chain under the Contract Labour Act, Employees' Compensation Act, and Factories Act, and shows how to structure insurance to close the gap.
By Tarun Kumar Singh
Global & Cross-Border Insurance - May 3, 2026 - 15 min read
Indian pharma exports reached $27 billion in FY2025, with the US, EU, and Africa as primary destinations. Domestic product liability policies do not cover foreign jurisdiction claims, and the gap between Indian coverage and the limits required by US and EU buyers exposes exporters to significant uninsured liability.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 3, 2026 - 10 min read
Indian companies entering Vietnam, Indonesia, Thailand, Malaysia, Singapore, and the Philippines face insurance requirements that domestic Indian policies cannot meet. This guide covers admitted policy rules, controlled master programme design, and IFSCA's role in ASEAN programme structuring.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 3, 2026 - 18 min read
LegalTech startups in India operate under the Advocates Act 1961's restrictions on legal practice, creating unique professional indemnity and AI liability exposure. This guide covers insurance requirements from seed stage through Series A for contract automation, ODR platforms, and legal SaaS companies.
By Sarvada Editorial Team
Regulation & Compliance - May 2, 2026 - 5 min read
Bancassurance has become India's most scrutinised distribution channel. Conduct risk now sits at the intersection of IRDAI's policyholder-protection mandate and the RBI's customer-protection expectations.
By Tarun Kumar Singh
Operations & Best Practices - May 2, 2026 - 15 min read
Large industrial risks in India (oil refineries, power plants, airports, and nuclear facilities) that exceed any single insurer's capacity and are placed through co-insurance pools and lead-follow structures governed by IRDAI regulations, with specialised pools covering oil, aviation, terrorism, and nuclear liability.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 16 min read
Indian SME underwriting has long struggled with thin structured data: no audited financials, informal records, and limited credit history. Large language models are now extracting risk signals from GST returns, MCA filings, court records, and unstructured news to fill this gap, with IRDAI sandbox results beginning to validate the approach.
By Sarvada Editorial Team
Regulation & Compliance - May 2, 2026 - 11 min read
IRDAI and government initiatives are reshaping MSME insurance coverage in India through simplified products, digital platforms, loan-linked mandates, and premium subsidies, but the gap between 63 million MSMEs and the fewer than 5% with adequate commercial cover remains vast.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 13 min read
Natural language processing is reshaping how Indian commercial insurers receive and process First Notice of Loss, extracting structured claim data from WhatsApp messages, emails, and call transcripts in seconds. This post examines how NLP works in practice across Indian non-life insurers and what IRDAI's claim intimation timelines mean for automation design.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 2, 2026 - 14 min read
Indian companies have invested over USD 75 billion across more than 50 African countries in telecom, pharma, manufacturing, and infrastructure, each exposure carrying expropriation, currency, and civil unrest risks that standard commercial insurance does not cover. This guide covers how ECGC, Lloyd's market PRI, World Bank MIGA, and GIFT City structures can protect Indian capital deployed across the continent.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 15 min read
Indian commercial insurers and their manufacturing clients are deploying shared IoT sensor dashboards that feed live temperature, vibration, smoke, and CCTV analytics data to underwriters, risk managers, and claims teams simultaneously. Tata AIG and Bajaj Allianz have tied premium discounts of 8 to 15% to documented IoT compliance, with IRDAI's data-sharing framework providing the regulatory structure.
By Sarvada Editorial Team
AI & Insurtech - May 1, 2026 - 13 min read
Straight-through processing allows Indian insurers to approve and settle eligible commercial claims without human touch, subject to mandatory fraud gates and IRDAI's 30-day settlement mandate. Go Digit and Bajaj Allianz deployments have demonstrated STP rates of 25 to 40% on specific claim categories in 2025 and 2026.
By Sarvada Editorial Team
AI & Insurtech - May 1, 2026 - 14 min read
Predictive models that identify commercial policyholders at risk of non-renewal or switching are among the highest-ROI analytics investments available to Indian non-life insurers. This post examines the data signals, model architecture, intervention strategies, and regulatory constraints that shape churn prediction in Indian commercial lines.
By Sarvada Editorial Team
Industry Risk Profiles - May 1, 2026 - 10 min read
India's 3PL market, estimated at INR 2.1 lakh crore by 2025, carries complex liability exposures across warehousing, road transport, and last-mile delivery. This guide maps out the full insurance programme a 3PL provider needs and explains where coverage gaps most often arise.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 1, 2026 - 15 min read
Indian B2B SaaS founders negotiating enterprise contracts face mismatched insurance requirements: Fortune 500 clients demand USD 2–5 million Tech E&O limits while IRDAI-filed PI products are structured differently from the Lloyd's policies global procurement teams expect.
By Sarvada Editorial Team
Underwriting & Risk - May 1, 2026 - 13 min read
India's pharmaceutical sector presents underwriters with a technically demanding combination of solvent fire hazards, contamination exposure, global regulatory risk, and product recall liability. This post examines the analytical framework underwriters apply when pricing and structuring coverage for Indian pharma manufacturers.
By Sarvada Editorial Team
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