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August 16, 2026

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1217 articles

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Regulation & Compliance - May 26, 2026 - 22 min read

IRDAI Broker Net Worth Amendment 2026: New Capital Thresholds, Composite Implications, and Compliance Workflow

Industry expectation is building that IRDAI will revisit broker net-worth requirements, which under the 2018 Regulations stand at INR 50 lakh for direct brokers, INR 2 crore for reinsurance brokers, and INR 2.5 crore for composite brokers (the related minimum paid-up capital floors are INR 75 lakh, INR 4 crore, and INR 5 crore respectively). This post sets out the current baselines, why a recalibration is widely anticipated, the capital-raising options brokers should weigh, the MSME-broker survival question, and how to prepare a compliance workflow without assuming thresholds that have not yet been notified.

By Tarun Kumar Singh

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Risk Management Strategies - May 26, 2026 - 23 min read

Business Continuity for East Coast Cyclones 2026: Pre-Season Insurance Alignment for AP, Odisha, and Tamil Nadu Corporates

How corporates in Andhra Pradesh, Odisha, and Tamil Nadu are aligning insurance programmes with cyclone-season business continuity in 2026: IMD Bay of Bengal forecasts, exposure mapping, BCM ISO 22301 alignment, pre-event playbooks for shutdown, inventory relocation, and payroll, with insurance triggers across BI, contingent BI, marine accumulation, and lessons from Fani, Yaas, and Mocha.

By Tarun Kumar Singh

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Underwriting & Risk - May 26, 2026 - 21 min read

Operational-Phase Wind Farm Underwriting India 2026: Blade Failure, Gearbox Loss, and Cyclone Exposure

How Indian non-life insurers underwrite operational-phase wind farms in 2026 across 50-plus GW of installed capacity: blade failure trends from LM, Suzlon, Siemens Gamesa, and other OEMs, gearbox losses and lightning strikes, cyclone exposure in Tamil Nadu, Andhra Pradesh, Odisha, and Gujarat, IRDAI parametric overlap, MERC and CERC tariff impact on BI, repair logistics for European-origin cranes, and Indian insurer wordings versus Munich Re wordings.

By Sarvada Editorial Team

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Operations & Best Practices - May 26, 2026 - 20 min read

Premium Allocation Across Multi-Location Indian Corporates 2026: Methodology, Tax, and Internal Recharge

Operating guidance for allocating insurance premium across multiple locations and cost centres of Indian corporates, covering sum-insured-based, claims-experience-based, and headcount-based methods, GST input credit considerations, IT Act recharge implications, captive cell allocation, audit trail expectations, and the transfer pricing overlay for cross-border subsidiaries.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 26, 2026 - 20 min read

Medical Evacuation Coverage for Indian Corporates' Expat and Inbound Employees: 2026 Programme Design

Indian corporates send a large population of staff on overseas assignments and host inbound foreign nationals in India. This piece sets out 2026 medical evacuation programme design: coordinating Group Medical and Group Personal Accident covers with international medical insurance, structuring evacuation services across global and India-based providers, handling pre-existing conditions, and checking the residual COVID legacy clauses still active in some policy wordings.

By Sarvada Editorial Team

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Risk Management Strategies - May 26, 2026 - 19 min read

Business Continuity Planning for the 2026 Monsoon: A Corporate India Refresh

A pre-monsoon BCP refresh framework for corporate India ahead of the 2026 southwest monsoon: dependency mapping for single-source suppliers and single-site operations, alternate-site arrangements, IMD seasonal forecast integration, 2024 Wayanad and Chennai shutdown lessons, BI cover alignment, and the broker role in BCP-driven insurance design.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 26, 2026 - 16 min read

Captive Formations in Bermuda and Singapore for Indian Corporates: 2026 Playbook

GIFT City has commanded most of the recent attention on Indian captive insurance, but Bermuda and Singapore continue to host meaningful captive activity from Indian corporates with global risk profiles. The 2026 playbook covers when offshore domiciles still make sense, what the regulatory and tax considerations look like, and how Indian corporates evaluate the trade-offs against the IFSCA framework.

By Sarvada Editorial Team

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Operations & Best Practices - May 26, 2026 - 23 min read

Policy Wording Version Control for Indian Brokers: 2026 Operations Playbook

A playbook for managing wording libraries inside an Indian commercial insurance broker firm, covering IIB standard wordings versus insurer-specific variations, tracking exclusion drift across renewals, diff tooling for comparison memos, change-log discipline, audit trail for IRDAI inspections, and worked examples from cyber and D&O wordings.

By Sarvada Editorial Team

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Industry Risk Profiles - May 25, 2026 - 21 min read

Petrochemical Storage Terminal Risk Profile India 2026: BPCL, IOCL, and Coastal Tank-Farm Insurance Design

Indian coastal petrochemical storage terminals are among the largest single insurance placements in the market. The risk profile is dominated by vapour-cloud explosion, tank-farm fire, and marine loading exposure, with OISD layout and fire-protection standards and reinsurer treaty capacity shaping how the programme is designed.

By Sarvada Editorial Team

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Insurance Products - May 25, 2026 - 27 min read

Employee Benefit Trust Fiduciary Liability India 2026: Pension and Gratuity Trustee Coverage

Trustees of employee benefit trusts including gratuity, provident fund, superannuation, and pension trusts face personal fiduciary liability under the Income Tax Act, the Provident Funds Act, the Payment of Gratuity Act, and adjacent frameworks. The 2026 fiduciary liability cover scope, retroactive date considerations, asset-allocation imprudence claim patterns, and the named insurer wordings.

By Sarvada Editorial Team

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Underwriting & Risk - May 25, 2026 - 21 min read

AI Hyperscale Data Centre Power Outage Underwriting India 2026: BI Triggers, Heat Stress, and Reliance on Discom

How Indian non-life insurers underwrite power outage and business interruption exposure at AI hyperscale and colocation data centres in 2026: CtrlS, Yotta, Sify, NxtraData, and AWS/Microsoft Azure/Google Cloud regional builds, Maharashtra and Karnataka discom outage patterns, backup generation and fuel logistics, heat-driven derating, DPDP Act data-loss penalty exposure, contingent BI from tenant SLA failure, and INR-denominated treaty pricing.

By Sarvada Editorial Team

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Operations & Best Practices - May 25, 2026 - 19 min read

Broker Claims Advocacy Playbook for Indian Commercial Insurance 2026: Process, Tools, and Service Standards

An operational playbook for claims advocacy as the broker's substantive differentiation in Indian commercial insurance, covering FNOL coordination, surveyor liaison, reserves negotiation, sub-limit interpretation pushback, partial-loss disputes, ombudsman escalation, SLAs, tooling, and the measurable value to commercial buyers.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - May 25, 2026 - 17 min read

Neobanking and Banking-as-a-Service Startup Insurance India 2026: Cyber, Crime, and Conduct Cover

Indian neobanks and Banking-as-a-Service platforms operate within tightened RBI rules on PA-PG licensing, partner-bank dependency, and KYC liability. The 2026 insurance stack across cyber, crime, conduct, and D&O has been reshaped by IRDAI Information Security Guidelines, DPDP Act, and CERT-In reporting obligations.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 25, 2026 - 18 min read

Cross-Border Bancassurance: India-UAE Remittance Corridor and Insurance Distribution in 2026

The India-UAE remittance corridor channels over USD 20 billion annually across SBI, Bank of Baroda, ICICI Bank UAE, and IndusInd Bank UAE branches. The IRDAI bancassurance framework, the UAE Central Bank's insurance supervision after it absorbed the Insurance Authority in 2020, and the IFSCA outbound insurance window have together opened a meaningful distribution channel for life insurance, group health, expatriate medical, and savings-linked products to the large Indian expatriate population in the UAE.

By Sarvada Editorial Team

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Regulation & Compliance - May 25, 2026 - 15 min read

IRDAI Bima Trinity (Sugam, Vistaar, Vahak) Broker Compliance in 2026: India Implementation Notes

A practical implementation guide for Indian brokers on the IRDAI Bima Trinity initiative in 2026, covering compliance obligations across Bima Sugam (marketplace), Bima Vistaar (product), and Bima Vahak (distribution), with operating-model implications, technology requirements, and the audit-ready posture brokers must hold.

By Tarun Kumar Singh

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