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October 8, 2026

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1513 articles

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

Insurance Products - June 19, 2026 - 10 min read

The RELIEF Scheme 2026: How War-Risk Export Cover Now Works for India's West Asia Trade

ECGC's RELIEF Scheme layers extra political and war-risk cover on top of ordinary export credit insurance for Gulf shipments hit by Hormuz disruption. This guide maps its three components, the country list, the freight-surcharge reimbursement, and the per-shipping-bill claim steps brokers must now run as the Component II dispatch window closes.

By Sarvada Editorial Team

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Operations & Best Practices - June 18, 2026 - 14 min read

Setting Up a Claims Governance Committee for Large Indian Corporates 2026

A large corporate's insurance claims are too consequential to handle ad hoc, and a claims governance committee gives them a structure: who decides what, when a claim escalates, how surveyors and reserves are overseen, and how disputed claims are run. This post sets out the committee's composition, thresholds, oversight of loss adjusters and reserving, litigation strategy, the broker's role and the MIS the committee should track.

By Sarvada Editorial Team

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Insurance Products - June 18, 2026 - 8 min read

Commercial General Liability in India 2026: What CGL Covers, What It Does Not, and the Tender Trap

Commercial general liability is the cover Indian contractors and businesses are most often required to carry for tenders, and the one they most often misunderstand. This piece sets out what CGL actually covers, how it differs from public and product liability, why completed-operations and contractual-liability terms decide real claims, and how to avoid the trap of a certificate that satisfies the tender but not the exposure.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 18, 2026 - 10 min read

Cyclone Wind Versus Flood Apportionment for Bengal Industrial Losses: A Commercial Claims Playbook

Take a very severe cyclonic storm making landfall on the Bengal coast in the pre-monsoon window, with Kolkata-area gusts near 155 km/h and rainfall of the order of 250 mm — Cyclone Remal, which struck the coast in May 2024, is the closest recent real analogue. The recoverable number on every damaged plant then turns on one call: was the loss caused by storm or by flood? This post walks brokers through that split.

By Sarvada Editorial Team

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AI & Insurtech - June 18, 2026 - 9 min read

Data Fiduciary, AI Processor: Building DPDP-Compliant AI Vendor Contracts and Consent Flows in Indian Insurance, 2026

When an Indian insurer or broker pipes policyholder data into a licensed AI tool, the Digital Personal Data Protection Act 2023 and the DPDP Rules 2025 decide who answers for it, on what notice, under what consent, and where the data may sit. This piece walks through the data-fiduciary and data-processor split for AI vendors, the consent and notice mechanics the Rules require, the cross-border position, and the contract clauses and processor audits that keep an AI tool lawful under DPDP specifically.

By Sarvada Editorial Team

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Industry Risk Profiles - June 18, 2026 - 10 min read

EV Battery Cell Gigafactory Operational Risk Profile in India 2026: Formation Fire, Electrolyte Inventory and the High-PML Property Programme

India's first 40 GWh cell gigafactories are entering operations in 2026 with no domestic loss history, concentrating first-of-a-kind values in a few sites. This post sets out the formation-room fire, electrolyte and NMP solvent, and dry-room exposures that drive the property-plus-business-interruption placement and the questions reinsurers will actually ask.

By Sarvada Editorial Team

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AI & Insurtech - June 18, 2026 - 10 min read

RBI's FREE-AI Framework Reaches Insurers in 2026: Building the AI Inventory, Audit Tiering and the National Repository Submission Your Broking Firm Will Owe

The RBI FREE-AI report and the MeitY India AI Governance Guidelines have set a sector template that IRDAI is expected to mirror for insurers and brokers. This post explains the AI inventory, risk-tiered audits and repository submissions you should build now, before they harden into binding directions.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 18, 2026 - 15 min read

Stock Throughput Cover for Indian Importers Using Free Trade Warehousing Zones in 2026

Importers running stock through an FTWZ split their exposure across an ocean leg, a bonded storage leg and a domestic clearance leg, and stitching together a marine cargo policy with a separate fire and burglary cover leaves gaps at every handover. A single stock throughput policy covers transit and storage on one wording, and this post sets out how FTWZ bonded warehousing changes insurable interest and risk of loss, how bonded goods are valued, the accumulation problem at the zone, and the marine wording points to settle.

By Sarvada Editorial Team

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Underwriting & Risk - June 18, 2026 - 9 min read

Reading GIC Re's Numbers: Loss-Making Segments, Obligatory Cession and Retrocession in India 2026

GIC Re sits at the centre of the Indian non-life market as the national reinsurer. The health of its segment-level results in fire, agriculture, health and aviation shapes the treaty terms every primary insurer can offer. This piece reads the reinsurer's own underwriting economics: the obligatory cession it receives, the segments that have run loss-making, and the retrocession it buys to protect its tail. It then explains why all of that flows back into the capacity and conditions a commercial buyer sees at renewal.

By Sarvada Editorial Team

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Regulation & Compliance - June 18, 2026 - 9 min read

Designing Cover, Not Just Buying It: How Commercial Buyers Use IRDAI's 2024 Products Regulations and Use-and-File to Get Manuscript Wording, Add-Ons and Riders That Fit the Risk

The IRDAI (Insurance Products) Regulations 2024 and the use-and-file procedure let insurers design, customise and enrich commercial covers with manuscript wording, bespoke add-ons and riders without waiting in an approval queue. This piece is about product design from the commercial buyer's seat: how to brief an insurer's product team for tailored cover, which extensions and add-ons are worth building, how riders and endorsements should be drafted, and where an insurer's freedom to design runs out.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - June 18, 2026 - 10 min read

IRDAI's Order-of-Preference Rewrite: Where Cross-Border Reinsurers and Lloyd's India Now Sit in the Cession Queue

IRDAI's 2026 exposure draft proposes scrapping GIC Re's blanket right of first refusal and re-sequencing the reinsurance cession order. Cross-border reinsurers drop to a second category behind Indian reinsurers, FRBs, Lloyd's India and IIOs. Brokers placing large marine, energy and engineering risks must rework their quote-seeking workflow before notification.

By Sarvada Editorial Team

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Regulation & Compliance - June 18, 2026 - 10 min read

IRDAI's New Regulation-Making Framework: How the June 2026 Draft Changes the Pace and Predictability of Commercial Insurance Rules

On 16-17 June 2026 IRDAI released a draft framework standardising how it frames, amends and consults on regulations under the 2025 Insurance Laws Amendment Act. For commercial brokers and risk managers, the procedural detail is an early-warning system: read the pipeline correctly and you get months of lead time on capacity, pricing and wording shifts.

By Tarun Kumar Singh

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Insurance Products - June 18, 2026 - 10 min read

Using the 2025 Regulatory Sandbox to Get a Novel Commercial Cover to Market: A Broker and Insurer Playbook

IRDAI's Regulatory Sandbox Regulations 2025 widened the testing scope to any innovation across the insurance value chain, carving out only prudential matters. This is a practical route for parametric, blockchain-verified and AI-priced commercial covers. Here is how brokers and insurers can push a specific product through the gates.

By Sarvada Editorial Team

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Market & Trends - June 18, 2026 - 10 min read

Jio-Allianz and Allianz Jio Reinsurance: What the New Capital Block Means for Commercial Placement in 2026

Allianz has exited Bajaj Allianz, stood up a Mumbai-based reinsurer with Jio Financial, and signed a binding 50:50 primary general and health JV. For brokers placing corporate and mid-market programmes, this reassembles Allianz capacity under a distribution-heavy partner. Here is how to reprice the panel before renewals, not after.

By Sarvada Editorial Team

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Claims & Loss Prevention - June 18, 2026 - 8 min read

The Red Sea Reopening and Indian Trade Claims in India 2026: Cargo, Contingent Business Interruption and the Disruption That Pays Nothing

As and if container shipping returns to the Red Sea, Indian exporters and importers face a transitional period of rerouting, port congestion and delay, and many assume their insurance will respond. It often will not, because cargo and contingent business interruption cover turn on physical damage that pure delay does not cause. This piece reads the reopening as a scenario and sets out where the cover bites and where it leaves the buyer exposed, whether transit normalises or the Cape diversion drags on.

By Sarvada Editorial Team

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Underwriting & Risk - June 18, 2026 - 10 min read

Hail Becomes a Costed Peril: Severe Convective Storm Accumulation Underwriting for Indian Solar, Agri and Stockyard Risks in 2026

Aon's January 2026 report named severe convective storms the costliest insured peril of the century, and hail drives most of it. Indian underwriters have buried this exposure inside undifferentiated STFI loadings. This is how brokers should expect SCS to be isolated, zoned, sub-limited and separately deductibled on spring placements.

By Tarun Kumar Singh

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Industry Risk Profiles - June 18, 2026 - 8 min read

Solar and Float Glass Furnace Plants in India 2026: A Commercial Insurance Risk Profile

After anti-dumping duties on imported solar and flat glass, Indian manufacturers including Borosil Renewables and HNG Float Glass are adding furnace capacity through 2026. This risk profile sets out the tank-furnace, regenerator, molten-tin-bath, hydrogen-atmosphere, annealing-lehr and furnace-campaign exposures of a float and solar glass line, why a frozen or breached furnace is the maximum loss, and the engineering, property, downtime and erection cover an operator should carry.

By Sarvada Editorial Team

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Risk Management Strategies - June 18, 2026 - 8 min read

Tariffs, Trade Realignment and the Board's Risk Agenda: A Geopolitical Risk-Transfer Strategy for Indian Corporates in 2026

The 2026 India-US interim trade framework and the recalibration of tariffs are changing sourcing, demand and supply chains for Indian corporates, turning geopolitical and trade risk into a standing board-level concern. This piece sets out how to bring trade and geopolitical risk onto the risk register, where insurance can and cannot help, and why the strategy must combine operational adaptation with targeted risk transfer.

By Sarvada Editorial Team

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Operations & Best Practices - June 17, 2026 - 14 min read

Cell Captives and Protected Cell Companies: A Feasibility Read for Indian Corporates in 2026

A protected cell company lets a mid-size Indian corporate rent a ring-fenced cell inside a shared core rather than fund a standalone captive, cutting set-up cost and committed capital. This post sets out the PCC and incorporated-cell-company anatomy, the rent-a-captive promoter model, how a cell differs from a standalone captive, the IFSCA cell regime taking shape at GIFT City, the segregation statute, fronting and collateral, and the rent-versus-build crossover for an Indian mid-market group.

By Sarvada Editorial Team

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Market & Trends - June 17, 2026 - 8 min read

Combined Ratios Above 100 and the Return of Pricing Discipline: What Insurer Profitability Pressure Means for Commercial Buyers in 2026

Indian general insurers continued to run combined ratios above 100 in FY26, weighed down by the loss-making third-party motor segment and the 1/n premium-recognition rule, even as pricing discipline improved. For a commercial buyer this matters: insurers under profitability pressure underwrite more selectively. This piece explains the dynamics and how a corporate should read insurer financial pressure into its own renewal.

By Sarvada Editorial Team

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Risk Management Strategies - June 17, 2026 - 14 min read

Acting on Fire Risk-Engineering Survey Recommendations in India 2026

A fire risk-engineering survey tells a corporate where its risk sits and what to do about it, and in a detariffed market acting on the recommendations drives both safety and price. This post sets out the survey process, how recommendations are graded into required, priority and advisory, the warranty and condition implications of accepting them, how compliance affects rating and capacity, and how to track recommendations to closure.

By Sarvada Editorial Team

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Insurance Products - June 17, 2026 - 13 min read

Intellectual Property Infringement and Defence Insurance for Indian Technology, Pharma and Manufacturing Firms in 2026

Indian technology, pharmaceutical and manufacturing firms face rising patent, trademark and copyright disputes as they scale into export markets where IP litigation is routine. This post sets out what IP infringement-defence and enforcement cover do, how they overlap with technology errors-and-omissions and product liability, why the Indian market still leans on global capacity, and which firms actually need the cover.

By Sarvada Editorial Team

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