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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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August 16, 2026
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1217 articles
Regulation & Compliance - July 23, 2026 - 11 min read
The IMF is the distribution licence nobody explains: an area-based firm that can solicit for a small panel of insurers per line and sell other financial products alongside. What it can do, what it costs, and how it stacks up against corporate agency and broking for someone deciding which licence to build a business on.
By Tarun Kumar Singh
Industry Risk Profiles - July 22, 2026 - 11 min read
A crane hirer's risk splits three ways: the plant itself under CPM, liability for a dropped load or a strike during a lift, and the load on the hook that neither cover answers cleanly. A risk profile for brokers and crane-fleet risk managers.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 22, 2026 - 8 min read
IRDAI's June 2026 exposure draft on insurance intermediaries would make distributors earning over Rs 10 crore in commission publicly disclose commission, related-party transactions, profits, and dividends. That lands very differently on a VC-funded insurtech than on a legacy broker. Here is what founders should be doing while the draft is still a draft.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 22, 2026 - 9 min read
For mid-market Indian firms, the first overseas step is usually across a land or sea border into Nepal, Bangladesh, or Sri Lanka. Each has its own admitted-market rules, compulsory covers, and mandatory reinsurance cessions that an extended Indian policy cannot satisfy. This guide gives country-specific structure.
By Sarvada Editorial Team
Underwriting & Risk - July 22, 2026 - 9 min read
A warehouse holding Rs 100 crore of stock will never lose all of it to a single burglary, so insuring the full value against theft wastes premium on cover that cannot be used. First-loss insurance sets the sum insured to the realistic maximum theft, and the arithmetic behind it rewards buyers who understand it.
By Tarun Kumar Singh
Market & Trends - July 22, 2026 - 7 min read
Mid-size manufacturers in Coimbatore, Ludhiana, Rajkot, Surat and Indore carry real insurable value and buy complex cover with almost no advice. Where the tier-2 commercial opportunity sits, how to reach it, and why claims advocacy is the differentiator that wins it.
By Sarvada Editorial Team
Market & Trends - July 22, 2026 - 7 min read
IRDAI's chairman said a distribution-reform consultation would arrive by end-July 2026, reportedly proposing commission paid over the policy tenure rather than upfront. Here is what that would do to an individual advisor's income, and the three no-regret moves that pay off either way.
By Sarvada Editorial Team
Operations & Best Practices - July 22, 2026 - 10 min read
Winning the account is the easy part. The transition, getting the file, verifying the open claims, understanding the declaration positions and setting the first ninety days, is where a broker-of-record change is delivered or quietly botched. A takeover playbook for the incoming broker on a commercial client.
By Tarun Kumar Singh
Regulation & Compliance - July 22, 2026 - 11 min read
Institute Cargo Clauses tell you what a policy covers. The Marine Insurance Act, 1963 decides what happens when a claim is fought: insurable interest, disclosure, warranties, deviation, and total loss. A buyer-oriented walk through the doctrines that resolve Indian cargo disputes.
By Tarun Kumar Singh
AI & Insurtech - July 21, 2026 - 11 min read
An agent that reads the renewal calendar, assembles the expiring-policy data, drafts the insurer and client chases and escalates non-responses can compress the renewal grind, but only inside hard guardrails: no autonomous binding, human sign-off on anything price-bearing, and an immutable log.
By Sarvada Editorial Team
Industry Risk Profiles - July 21, 2026 - 11 min read
Facility management and private-security firms carry their risk on other people's premises: liability for staff acts, employee-dishonesty exposure, contractual indemnities in client MSAs, and a workforce spread across hundreds of sites. A risk profile for brokers and services-firm risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 21, 2026 - 11 min read
Stock claims are the most contested head in a fire loss because raw material, finished goods and work-in-process are each valued on a different basis, and none of them at selling price. Here is how surveyors value stock and where the arguments start.
By Sarvada Editorial Team
Insurance Products - July 21, 2026 - 10 min read
Every EPF-covered employer already provides a statutory death benefit through EDLI, capped at Rs 7 lakh. The EDLI-exemption route lets that same contribution buy a far larger group term life benefit, if the employer structures the sum insured, the free-cover limit and the nominations properly.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 21, 2026 - 9 min read
An online travel platform is an intermediary, a curator, and a holder of customer money all at once, and each role carries a different liability. This guide maps booking-error E&O, experience liability, refund-float exposure, traveller-data cyber, and the compliance of selling travel insurance at checkout.
By Sarvada Editorial Team
Risk Management Strategies - July 21, 2026 - 9 min read
Most corporate buyers assess an insurer's strength once, at empanelment, and never again until something goes wrong. A framework for monitoring carrier financial strength between renewals, using a single noisy quarter to show how to separate a one-off charge from structural deterioration.
By Tarun Kumar Singh
Underwriting & Risk - July 21, 2026 - 9 min read
An empty building is a different risk from an occupied one, and Indian fire wordings say so through an unoccupancy condition most buyers never read. How the condition works, what counts as occupied for a seasonal plant or a unit under renovation, and how a vacancy no one disclosed defeats an otherwise valid claim.
By Tarun Kumar Singh
Market & Trends - July 21, 2026 - 7 min read
A broking firm's main asset walks home every night and chooses whether to come back. How Indian firms hire, why producers take books with them, what non-competes cannot do under Section 27, and how pay is split between stability and production.
By Sarvada Editorial Team
Operations & Best Practices - July 21, 2026 - 9 min read
A broking firm rates its clients and its insurers rate the firm, but almost nobody rates the insurers on their own service. The one relationship the broker cannot see clearly is the one that decides whether its clients get paid. A quarterly insurer service scorecard: the six dimensions to measure, a simple weighting model, and how to use it in a relationship meeting.
By Tarun Kumar Singh
Operations & Best Practices - July 21, 2026 - 9 min read
IRDAI's June 2026 intermediary-disclosure draft would make brokers earning over Rs 10 crore in commission publish related-party dealings, dividend repatriation and audited financials every year. The rule is not final, but the data assembly can start now. A workstream guide.
By Tarun Kumar Singh
Regulation & Compliance - July 21, 2026 - 11 min read
The SBSR Act lifted the Section 102 penalty ceiling from Rs 1 crore to Rs 10 crore, keeping the Rs 1 lakh per day mechanic that turns a slow-to-fix breach into a large number. A firm-level look at what a tenfold ceiling does to board oversight, conduct training, and the limits of professional indemnity cover.
By Tarun Kumar Singh
Industry Risk Profiles - July 20, 2026 - 11 min read
An apparel export unit carries a fast-spreading fabric fire load, a multi-storey building that also drives buyer social-compliance audits, stock that peaks before shipment windows, and a revenue line exposed to foreign-buyer default. A risk profile for brokers and export-house risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 20, 2026 - 11 min read
A commercial claim reported late is a favourite ground for repudiation, but delay alone rarely defeats a genuine claim. What decides the outcome is whether the notice clause is a condition precedent and whether the delay actually prejudiced the insurer.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 20, 2026 - 8 min read
A payroll or HRtech platform sits inside its clients' statutory compliance chain, so a single processing error can cascade into PF, TDS, and salary-credit penalties the client will bill back. This guide maps the tech E&O, cyber, crime, and employment-practices covers these platforms actually need.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 20, 2026 - 10 min read
Pharma, electronics, gems, and perishables fly rather than sail, and air cargo carries a risk profile ocean cover was never written for. This guide maps the valuation-density problem, Institute Cargo Clauses (Air), why the Montreal Convention carrier cap is not a substitute for insurance, and cold-chain claims.
By Sarvada Editorial Team
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