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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
AI & Insurtech - May 1, 2026 - 15 min read
Black-box underwriting models create regulatory exposure under IRDAI's Information Security Guidelines 2023 and Section 45 of the Insurance Act. Explainable AI techniques such as SHAP and LIME are now implementation requirements, not optional enhancements, for Indian insurers deploying AI-driven underwriting.
By Sarvada Editorial Team
Market & Trends - April 30, 2026 - 13 min read
Commercial insurance distribution in India shifted noticeably in 2025, with brokers consolidating their share of mid-market and large-risk premium, digital platforms making inroads with micro-SMEs, and embedded insurance finding its first serious commercial applications in B2B software and trade finance. This post examines the data behind each channel and where the structural changes are likely to lead.
By Tarun Kumar Singh
Claims & Loss Prevention - April 30, 2026 - 17 min read
EPC projects in India generate some of the most contested insurance claims in the market, spanning physical damage under CAR policies, delay-related losses under DSU/ALOP cover, and disruption claims that require contemporaneous documentation and independent delay analysis to substantiate.
By Sarvada Editorial Team
Regulation & Compliance - April 30, 2026 - 15 min read
IRDAI's evolving cyber insurance framework, from product filing requirements to ransomware coverage constraints, data localisation rules, and the DPDP Act's interaction with policy response, translated into specific actions for Indian commercial insurance buyers.
By Tarun Kumar Singh
Insurance Products - April 30, 2026 - 15 min read
India's INR 5.9 lakh crore FMCG market faces a growing web of recall triggers from BIS, CDSCO, PESO, and the Consumer Protection Act 2019. Product recall insurance bridges the gap between regulatory withdrawal orders and the substantial first-party and third-party costs that follow.
By Sarvada Editorial Team
AI & Insurtech - April 30, 2026 - 5 min read
RegTech in Indian insurance has moved past slideware. KYC automation, sanctions screening, conduct surveillance, and IRDAI returns generation are now real-money decisions for compliance heads at every mid-sized insurer and broker.
By Tarun Kumar Singh
Risk Management Strategies - April 30, 2026 - 14 min read
Vendor indemnity clauses in Indian commercial agreements only work if the vendor carries real insurance. This guide examines how to draft enforceable insurance requirements, what Indian courts say about indemnity clauses under the Contract Act, and what buyers should do when a vendor's coverage lapses mid-contract.
By Tarun Kumar Singh
Operations & Best Practices - April 29, 2026 - 14 min read
When a major fire hits an Indian industrial facility, the quality of a risk manager's response in the first 72 hours determines how the claim settles months later. This guide covers immediate site actions, IRDAI surveyor timelines, documentation hierarchy, stock valuation disputes, and how to negotiate with surveyors and escalate to the IRDAI ombudsman.
By Sarvada Editorial Team
Industry Risk Profiles - April 29, 2026 - 10 min read
India is among the world's top five destinations for clinical trials, with over 250 trials registered annually under CDSCO oversight. This guide explains the mandatory insurance requirements, coverage structure, and premium benchmarks for sponsors, CROs, and investigator sites.
By Sarvada Editorial Team
Global & Cross-Border Insurance - April 29, 2026 - 13 min read
Indian multinationals expanding globally, and foreign multinationals operating in India, both run into the same regulatory wall: IRDAI's admitted insurance principle limits how insurance premiums can flow across borders, creating compliance gaps in globally coordinated Controlled Master Programmes. This guide explains the problem, the regulatory constraints under IRDAI and FEMA, and the practical workarounds used by major Indian conglomerates.
By Tarun Kumar Singh
Underwriting & Risk - April 29, 2026 - 11 min read
An underwriter's framework for assessing construction and infrastructure project risks in India, from site conditions and contractor standing to PML estimation, IRDAI survey requirements, and CAR/EAR pricing.
By Sarvada Editorial Team
Insurance Products - April 28, 2026 - 15 min read
Group Personal Accident insurance fills the gap between an employer's statutory Employees' Compensation Act obligations and the real-world risk of off-duty accidents affecting the workforce. This guide covers GPA policy design, capital sum insured benchmarks, occupational hazard categories, and the claims process for Indian corporate employers.
By Sarvada Editorial Team
Market & Trends - April 28, 2026 - 15 min read
India's commercial insurance market underwent a broad hardening in 2025, with fire and marine cargo premiums rising 15–35%, D&O and cyber terms tightening sharply, and reinsurance treaty capacity shrinking, leaving corporate buyers to absorb higher costs or restructure their programmes.
By Tarun Kumar Singh
Regulation & Compliance - April 28, 2026 - 12 min read
The IRDAI Expenses of Management Regulations 2024 replaced product-level expense caps with company-level composite limits linked to premium income tiers, giving insurers flexibility to cross-subsidise across lines. Commercial buyers need to understand how this reshapes fire insurance pricing, broker commission dynamics, and the competitive incentives of non-life insurers.
By Tarun Kumar Singh
Operations & Best Practices - April 28, 2026 - 5 min read
Operational resilience has moved from a banking concept to an IRDAI expectation for insurance brokers, corporate agents, and TPAs. The framework is more demanding than business continuity but less prescriptive than regulators in the UK or Singapore.
By Tarun Kumar Singh
Industry Risk Profiles - April 28, 2026 - 13 min read
India's four listed REITs hold over INR 1.5 lakh crore of commercial real estate across 90 million sq ft. This post maps the insurance programme structure, SEBI regulatory requirements, and coverage priorities for REIT managers, trustees, and unitholders.
By Sarvada Editorial Team
Operations & Best Practices - April 28, 2026 - 11 min read
Buy-side W&I insurance has become a standard tool in Indian PE transactions above INR 200 crore, allowing founders to receive clean exits while protecting buyers against undisclosed warranty breaches. This post covers deal structuring, exclusions specific to India, IBC interactions, retrotax coverage, and GIFT City offshore structuring.
By Tarun Kumar Singh
Claims & Loss Prevention - April 27, 2026 - 15 min read
A practical guide to managing commercial property insurance claims arising from flood and inundation in India, covering the SFSP policy coverage framework, what distinguishes flood from waterlogging and subsidence, business interruption claims, stock damage assessment, and the IRDAI claims process after catastrophe events.
By Sarvada Editorial Team
Insurance for Startups & New Economy - April 27, 2026 - 13 min read
InsurTech startups in India occupy an unusual position: they sell insurance products while also needing their own insurance programme to protect against the liabilities that come with handling policyholder data, operating as licensed intermediaries, and building technology that automates financial decisions.
By Sarvada Editorial Team
Regulation & Compliance - April 27, 2026 - 12 min read
A detailed guide to the eligibility criteria, application process, and operational framework for foreign reinsurers seeking to establish a branch office in India under IRDAI's Foreign Reinsurance Branch regulations, including the obligatory cession rules and the GIFT City alternative.
By Tarun Kumar Singh
Underwriting & Risk - April 27, 2026 - 12 min read
An underwriter's methodology for assessing hotel and hospitality risks in India, covering fire risk in multi-storey properties, PML for business interruption, liability exposures, and pricing ranges across hotel categories.
By Sarvada Editorial Team
Risk Management Strategies - April 26, 2026 - 11 min read
Indian corporates face a dual climate risk challenge, physical perils that damage assets and operations, and transition risks that reshape regulatory, financial, and liability exposures. This guide shows how to build an insurance programme that addresses both.
By Tarun Kumar Singh
Global & Cross-Border Insurance - April 26, 2026 - 16 min read
India imports over 85% of its crude oil through the Persian Gulf and Red Sea, and Indian-owned tankers face war risk premium surcharges, JWC Listed Area restrictions, and escalating Houthi-related exposures that have reshaped the marine insurance market since late 2023. This guide covers hull war risk, P&I war extensions, CONWARTIME, GIC Re's role, and how Indian refiners manage vessel insurance in crude procurement contracts.
By Sarvada Editorial Team
Market & Trends - April 26, 2026 - 15 min read
India's catastrophe risk profile combines high-seismicity zones, cyclone-prone coastlines, and flood-vulnerable river plains with a primary insurance market that has limited reinsurance capacity and significant data gaps. This post examines where reinsurance capacity exists, where it has tightened, and what structural reforms would be needed to close the gap between economic and insured catastrophe losses.
By Tarun Kumar Singh
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