Insights

Research and insights for modern underwriting teams

Explore underwriting workflows, regulator-sourced risk research, and operational best practices.

Library

Regulator-sourced research, briefings, and editorial analysis

Topics

Underwriting, claims, insurance products, and regulation

Latest

August 16, 2026

Browse by topic

1217 articles

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

Global & Cross-Border Insurance - May 24, 2026 - 15 min read

India-UK FTA: Trade Credit and Marine Insurance Implications for Exporters

The India-UK Free Trade Agreement, signed in 2025 and entering into force in mid-2026, restructures tariff exposure on roughly 90 percent of bilateral trade lines. For Indian exporters, the changes reshape buyer risk profiles, marine cargo flows, and the trade credit and political risk insurance architecture that supports the corridor.

By Sarvada Editorial Team

Read article

Insurance Products - May 23, 2026 - 24 min read

Contingent Business Interruption Cover for Indian Corporates 2026: Supplier Failures, Tier-1 Dependencies, and Policy Triggers

Contingent Business Interruption (CBI) cover responds to revenue loss from physical damage at a supplier, customer, or other contingent location rather than at the insured's own premises. The 2024 to 2026 disruption pattern across Indian automotive, electronics, and chemicals supply chains has made CBI placement a board-level question of wording, limits, the named versus unnamed supplier debate, and INR pricing.

By Sarvada Editorial Team

Read article

Underwriting & Risk - May 23, 2026 - 20 min read

Battery Energy Storage System (BESS) Underwriting India 2026: Fire, Thermal Runaway, and Cycle-Life Risks

How Indian non-life insurers underwrite Battery Energy Storage Systems in 2026: grid-scale versus behind-meter versus EV-charging-integrated deployments, CEA approval and IS 17387/IEC 62933 standards, NMC versus LFP fire scenarios, thermal runaway propagation, BMS and cooling failure modes, OEM warranty interface, and the capacity available from Indian insurers and offshore reinsurance.

By Sarvada Editorial Team

Read article

Insurance for Startups & New Economy - May 23, 2026 - 19 min read

Logistics Aggregator Startup Insurance India 2026: Cargo Liability, Platform Risk, and Last-Mile Coverage

Indian logistics aggregators including Delhivery, Shiprocket, Xpressbees, Pickrr, and the D2C-shipping platforms face distinctive exposures from cargo liability, platform-aggregator classification, last-mile fraud, and contractual indemnities to brand clients. This post maps the 2026 cover stack with INR pricing benchmarks.

By Sarvada Editorial Team

Read article

Global & Cross-Border Insurance - May 23, 2026 - 19 min read

India-Japan Supply Chain Insurance Coordination 2026: Auto, Electronics, and Capital Goods Risk Programmes

Japan is India's fifth-largest FDI source, with cumulative investment above USD 47 billion concentrated in auto, electronics, capital goods, and semiconductor supply chains. Indian manufacturing operations of Maruti Suzuki, Honda, Toyota Kirloskar, Daikin, Panasonic, Mitsubishi Electric, and Sumitomo Electric interlock with Japanese parent supply chains, so insurance programme coordination across business interruption, contingent business interruption, marine cargo, and product liability now requires careful master-local design across Japanese parent insurer programmes, Indian admitted policies, captive structures, and the GIFT City IFSCA reinsurance window.

By Sarvada Editorial Team

Read article

Claims & Loss Prevention - May 23, 2026 - 18 min read

Subrogation Recovery on Commercial Claims in India: 2026 Practitioner Guide

A practitioner's guide to subrogation recovery on Indian commercial insurance claims in 2026, covering the doctrine and statutory basis, recovery economics, evidence preservation, third-party identification, litigation strategy, and the operating practices that separate insurers with strong recovery functions from those that leave money uncollected.

By Tarun Kumar Singh

Read article

Claims & Loss Prevention - May 23, 2026 - 22 min read

Cargo Claim Time-Bar Litigation in India: 2026 Practitioner Guide

A practitioner's guide to time-bar discipline on Indian cargo claims, covering Carriage by Road Act 2007 notice periods, Multimodal Transportation of Goods Act 1993 limitations, Hague-Visby sea limitations, subrogation against carriers, how Indian courts treat time-bar defences, and the broker actions in the first 30 days that preserve recovery.

By Sarvada Editorial Team

Read article

Underwriting & Risk - May 23, 2026 - 19 min read

Directors and Officers Underwriting for SEBI-Listed Companies in 2026: Sides A, B, C, ABL, IPO POSI

How Indian non-life insurers price and structure D&O cover for SEBI-listed entities in 2026: Side A, B, and C limits and triggers, Additional Side A Limit for non-executive directors, IPO Public Offering of Securities Insurance, exclusions, mid-cap and large-cap pricing benchmarks, and the exposure pattern from recent NCLT, NCLAT, and SEBI orders.

By Sarvada Editorial Team

Read article

Global & Cross-Border Insurance - May 23, 2026 - 16 min read

Employee Mobility and International Secondments: Insurance Stack for Indian Employers

Indian IT services firms, GCCs, EPC contractors, and pharma manufacturers send tens of thousands of employees abroad each year on assignments ranging from a 90-day client visit to a five-year secondment. The insurance stack supporting these movements is fragmented across health, group personal accident, employers' liability, business travel, and kidnap-and-ransom layers, with several common failure points that brokers and HR teams routinely miss.

By Sarvada Editorial Team

Read article

Industry Risk Profiles - May 22, 2026 - 20 min read

Electric Bus Fleet Operator Risk Profile India 2026: PM-eBus Sewa, CESL Tenders, and Depot Fire Exposure

India's electric bus rollout has accelerated through PM-eBus Sewa and CESL aggregated tenders, with operators deploying buses on Gross Cost Contract terms across state transport undertakings. This profile walks through the full insurance stack: motor third-party and own damage, depot property and business interruption, battery thermal exposure, workers' compensation, and cyber, with indicative per-bus premium ranges.

By Sarvada Editorial Team

Read article

Risk Management Strategies - May 22, 2026 - 23 min read

Drafting a Risk Appetite Statement for Mid-Cap Indian Corporates 2026: Insurance, Retention, and Board Sign-Off

The risk appetite statement is the document that translates board-level tolerance into operational risk and insurance decisions. The 2026 best practice for Indian mid-cap corporates uses ISO 31000 and COSO ERM frameworks, qualitative and quantitative thresholds calibrated to balance sheet, retention versus transfer mapping, and SEBI LODR Regulation 4(2)(f) board sign-off.

By Tarun Kumar Singh

Read article

AI & Insurtech - May 22, 2026 - 21 min read

Predictive Fleet Telematics for Commercial Motor Insurance India 2026: From Pricing Signals to Loss Prevention

How commercial fleet telematics is reshaping motor insurance in India through 2026: LCV, HCV, and taxi-aggregator adoption, IRDAI PAYD and PHYD circulars, pricing-signal feature engineering, driver coaching ROI, claims frequency reduction, and the vendor stack across CarIQ, Trinetra, LogiNext, Locuz, and insurer-built platforms.

By Sarvada Editorial Team

Read article

Operations & Best Practices - May 22, 2026 - 19 min read

Mid-Term Policy Cancellation Workflow for Indian Commercial Brokers 2026: Refund Calculation, Conditions, and Audit

A working operations guide for Indian commercial brokers on mid-term policy cancellation in 2026: short-period scale versus pro-rata refunds, GST refund treatment, IRDAI cancellation circulars, broker commission claw-back, written client instruction protocols, refund routing with TDS, endorsement issuance discipline, and the common dispute points that surface in audit.

By Tarun Kumar Singh

Read article

Market & Trends - May 22, 2026 - 18 min read

Retail Insurance Broker Margin Compression India 2026: EOM Reforms, Commission Caps, and Survival Strategies

How IRDAI's EOM Regulations 2024 and successor commission caps are compressing retail broker margins through 2026, what the fall from historical 22 to 28 percent retail commission rates to 14 to 18 percent realised yields means for broker firms, and the fee-based, technology-driven, and consolidation responses that distinguish survivors.

By Sarvada Editorial Team

Read article

Sarvada Intelligence

Use these ideas inside your underwriting workflow

See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.

Explore the platformContact the team