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July 2, 2026

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956 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Industry Risk Profiles - April 13, 2026 - 12 min read

Data Centre Advanced Cooling Insurance: Immersion, Liquid Cooling, and Fire Suppression Risks in Indian Hyperscale Facilities

An underwriting analysis of emerging cooling technology risks in Indian data centres across Mumbai, Chennai, Hyderabad, and Navi Mumbai. Covers single-phase and two-phase immersion cooling, direct-to-chip liquid cooling, fire suppression compatibility, cyber-physical OT risks, and how Indian insurers are repricing EEI and M&BD coverage for GPU-dense hyperscale builds.

By Sarvada Editorial Team

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Industry Risk Profiles - April 13, 2026 - 12 min read

Defence Manufacturing Insurance in India: Explosives Risk, Export Control Exposure, and Offset Liability

An underwriting review of India's defence manufacturing insurance market under Atmanirbhar Bharat. Covers Explosives Act 1884 and PESO licensing, SCOMET and ITAR extraterritorial exposure, DPP 2020 offset liability, military product liability, test range third-party cover, and how Indian insurers front Lloyd's and the London market for capacity on OFB successor entities and private players including Tata, L&T, Adani, Mahindra, Bharat Forge, and Reliance Defence.

By Sarvada Editorial Team

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Underwriting & Risk - April 12, 2026 - 12 min read

Autonomous Vehicle and ADAS Liability Insurance for Indian OEMs and Fleet Operators

Indian OEMs rolling out ADAS Level 2 features and fleets piloting Level 3 automation face product liability, software defect, and motor liability exposures that existing policies do not address cleanly. This guide explains the insurance architecture for Tata, Mahindra, Hyundai, Kia, MG Motor, and fleet operators like Blue Dart and Ola.

By Tarun Kumar Singh

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Insurance Products - April 12, 2026 - 18 min read

Contingent Tax Liability Insurance in India: Covering Known Tax Positions in M&A and Restructuring

How tax liability insurance (TLI) wraps identified but unresolved Indian tax positions (retrospective GAAR, transfer pricing adjustments, GST classification disputes, Section 50CA and Section 9(1)(i) exposure) in M&A and restructuring transactions, priced by specialty carriers at 3-7% of the limit with tax counsel opinion as the underwriting foundation.

By Sarvada Editorial Team

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AI & Insurtech - April 11, 2026 - 16 min read

Agentic AI in Insurance Operations: Autonomous Claims Triage, Underwriting Delegation, and Governance Risks

Indian insurers are moving beyond generative AI chatbots to agentic systems that take autonomous actions across claims triage, document collection, and underwriting delegation, with implementation economics, IRDAI governance expectations under the Information and Cyber Security Guidelines, 2023, and practical guardrails for production deployment.

By Sarvada Editorial Team

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Industry Risk Profiles - April 11, 2026 - 11 min read

Medical Device Manufacturing Insurance: CDSCO Regulation, Product Liability, and Recall Exposure for Indian Manufacturers

A detailed look at insurance for India's INR 100,000 crore medical device manufacturing sector. Covers CDSCO risk classification under the Medical Devices Rules 2017, ISO 13485 and 14971 alignment, product liability and recall structures for Class C and Class D devices, clinical trial cover under the New Drugs and Clinical Trials Rules 2019, sterilisation and cleanroom property exposure, extraterritorial exposure to FDA, EU MDR and UKCA, and premium benchmarks for mid-market Indian manufacturers.

By Sarvada Editorial Team

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Operations & Best Practices - April 11, 2026 - 15 min read

Insurance Due Diligence Checklist for Indian Private Equity Acquirers: What to Ask, What to Price In

Insurance due diligence is often compressed into a two-week exercise at the tail end of a PE transaction, yet it drives purchase price adjustments, W&I exclusions, and post-closing carry. This practical checklist walks through the six workstreams of insurance DD for an Indian target: policy inventory, coverage adequacy, risk bowtie, claims forensics, W&I carve-outs, and post-closing tasks.

By Tarun Kumar Singh

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Insurance Products - April 10, 2026 - 15 min read

Environmental Impairment Liability Insurance in India: Gradual Pollution, Remediation Costs, and Third-Party Claims

How dedicated environmental impairment liability (EIL) cover responds to gradual pollution, site remediation, natural resource damage, and NGT-driven third-party claims where the Public Liability Insurance Act 1991 and standard CGL pollution exclusions leave Indian chemical, pharmaceutical, and manufacturing corporates exposed.

By Sarvada Editorial Team

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Industry Risk Profiles - April 9, 2026 - 12 min read

Green Hydrogen Production Insurance in India: Electrolyser Risk, Storage Hazards, and Transportation Liability

A practical guide to underwriting green hydrogen projects in India under the National Green Hydrogen Mission. Covers electrolyser stack risk across alkaline, PEM and SOEC technologies, high-pressure and liquid hydrogen storage perils, PESO regulatory requirements, transportation liability, and the product structures Indian insurers and reinsurers must design for INR 500 to 5,000 crore hydrogen hubs at Kakinada, Paradip and Thoothukudi.

By Sarvada Editorial Team

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Regulation & Compliance - April 9, 2026 - 16 min read

Post-IBC Workouts: How Insurance Covers (or Doesn't) Insolvent Creditors, Resolution Applicants, and Acquirers

The Insolvency and Bankruptcy Code reshapes insurance obligations at every stage of the corporate insolvency resolution process. This guide examines moratorium effects on insurance claims, D&O cover for resolution professionals, former directors, and committee of creditors, continuity of policies through approved resolution plans, and the priority of insurance proceeds in the section 53 waterfall.

By Tarun Kumar Singh

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Claims & Loss Prevention - April 8, 2026 - 12 min read

Concurrent Causation in Indian Claims: Marine, Property, and Engineering Policy Disputes

Proximate cause is the single most litigated doctrine in Indian insurance law. When a loss has two causes, one covered and one excluded, which governs? This post traces the doctrine from Pawsey v. Scottish Union through Indian Supreme Court rulings, applies it to marine cargo, property, and engineering disputes, and sets out wording strategies and evidence priorities.

By Sarvada Editorial Team

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Insurance Products - April 8, 2026 - 17 min read

Tax Liability Insurance for Indian M&A: Known Risk Cover, Contingent Liability, and Claim Mechanics

Tax liability insurance (TLI) has emerged as a distinct product alongside W&I for Indian M&A transactions. TLI covers specific tax positions and contingent tax exposures that W&I excludes. This guide explains the two TLI variants, Indian-specific triggers including GAAR, transfer pricing, and POEM, coverage components, pricing, and claim mechanics.

By Sarvada Editorial Team

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Claims & Loss Prevention - April 7, 2026 - 11 min read

Nat-Cat Claims Aggregation and Clash: How Multiple Perils in One Event Get Apportioned Under Indian Policies

When a monsoon cyclone brings flood, wind, and storm surge in the same 72 hours, Indian insurers and reinsurers fight over whether it is one event or three. Hours clauses, clash covers, and single-event aggregation rules decide whether you recover fully or hit limit after limit. This post unpacks the mechanics with reference to Kerala 2018, Chennai 2015, and Amphan 2020.

By Sarvada Editorial Team

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Industry Risk Profiles - April 7, 2026 - 5 min read

Plastics and Polymer Industry Insurance in India: Fire, Machinery, and Product Liability Risks

India's plastics and polymer processing industry, concentrated in clusters like Daman, Vapi, and the NCR region, faces distinct fire, machinery, and product liability exposures. From high-calorific-value polymer pellets and extruder fire hazards to food-contact plastic regulations and BIS toy-safety standards, underwriters must work through complex material science, regulatory compliance, and emerging waste management rules.

By Sarvada Editorial Team

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Market & Trends - April 6, 2026 - 15 min read

Foreign Reinsurer Entry into India After 100% FDI Liberalisation: Capacity, Pricing, and Strategic Positioning for 2026

How the Insurance Amendment Act 2025 and 100% FDI liberalisation are reshaping foreign reinsurer participation in India, covering Foreign Reinsurance Branch licensing, IFSCA and GIFT City overlap, the order-of-preference rule, capacity additions across property, engineering and specialty lines, and pricing implications for Indian corporate buyers at 2026 renewals.

By Sarvada Editorial Team

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Underwriting & Risk - April 6, 2026 - 13 min read

Group Health Policy Underwriting in India: Occupational Risk Assessment, Pre-Existing Conditions, and Claims Experience Pricing

How Indian group health underwriters actually price corporate risk: occupational hazard grading, pre-existing disease loadings, claims-experience renewal pricing, wellness data integration, and the practical impact of IRDAI's 2024 Master Circular on Health Insurance Business for mid-market employers.

By Tarun Kumar Singh

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