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Regulator-sourced research, briefings, and editorial analysis
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July 2, 2026
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956 articles
Market & Trends - March 28, 2026 - 9 min read
Indian insurance brokers are consolidating rapidly. Recent M&A deals, 100% FDI entry of global brokers, and IRDAI's composite licence framework are reshaping the broker market. Registration renewals and EOM regulations add compliance pressure.
By Sarvada Editorial Team
Regulation & Compliance - March 28, 2026 - 14 min read
An analysis of the Motor Vehicles (Amendment) Act 2019 and its 2021 enforcement, covering enhanced penalties, the hit-and-run compensation scheme, MACT exposure under Sections 163A and 166, telematics compliance, e-challan linkage, and third-party insurance implications for commercial fleet operators.
By Tarun Kumar Singh
Global & Cross-Border Insurance - March 27, 2026 - 8 min read
Compare ECGC and commercial trade credit insurers (Atradius, Coface, Euler Hermes, ICICI Lombard, Tata AIG) on scope, pricing, claim experience, and when to choose each for MSMEs and large exporters.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 27, 2026 - 12 min read
Insurance guidance for EV charging station operators covering DC fast-charger fire and thermal risks, electrical faults, BIS standards compliance, charger product liability, property damage at charging sites, and third-party liability from vehicle battery incidents.
By Sarvada Editorial Team
Industry Risk Profiles - March 27, 2026 - 9 min read
Critical insurance gaps in Indian FMCG distribution networks spanning mother depots, CFAs, wholesalers, and retail points, including depot fire, in-transit spoilage, SKU concentration risk, and contamination recall liability.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 26, 2026 - 16 min read
Indian agritech startups like DeHaat, Ninjacart, and AgroStar face advisory liability for crop recommendations, farmer data exposure under the DPDP Act, and equipment liability from drones and IoT sensors. This guide covers the insurance market for agritech operations.
By Sarvada Editorial Team
Industry Risk Profiles - March 26, 2026 - 9 min read
Insurance for Indian airport operators, ground handlers, and cargo terminals covering fire, third-party liability, and operational risks at concession-managed facilities.
By Sarvada Editorial Team
Regulation & Compliance - March 26, 2026 - 17 min read
A detailed operational guide to Bima Sugam, IRDAI's unified digital insurance marketplace, covering insurer onboarding, broker and agent integration, policy filing workflows, one-click claims initiation through DigiLocker, DPDPA 2023 data privacy obligations, and implementation timelines for mid-sized Indian insurers preparing for the commercial-lines phase.
By Tarun Kumar Singh
Underwriting & Risk - March 25, 2026 - 13 min read
The practical mechanics of underwriting commercial insurance for India's 6+ crore MSMEs, many operating partly or fully informal: bank statement analytics, Udyam registration checks, Account Aggregator data, surveyor cash-counter inspections, and pricing adjustments that work without audited financials.
By Tarun Kumar Singh
Industry Risk Profiles - March 25, 2026 - 6 min read
India's 700+ sugar mills, concentrated in Uttar Pradesh, Maharashtra, and Karnataka, face seasonal crushing peaks (October-April) with acute fire risk from bagasse (sugarcane fiber) piles, boiler explosions in aging steam-generation equipment, and molasses storage collapse. Co-operative vs. Private-mill insurance patterns differ sharply; contingent business-interruption for cane-price arrears is increasingly critical.
By Sarvada Editorial Team
Claims & Loss Prevention - March 25, 2026 - 10 min read
Guide to terrorism claims under the Indian Market Terrorism Risk Insurance Pool (IMTRIP) run by GIC Re. Coverage scope, policyholder evidence, retention limits, and exclusions.
By Sarvada Editorial Team
Claims & Loss Prevention - March 24, 2026 - 8 min read
Boiler explosion claims under Indian Boiler Regulations 1950, IBR certification, Section 64UM surveyor appointment, and how Boiler & Pressure Plant (BPP) and Machinery Breakdown (MB) policies differ in practice.
By Sarvada Editorial Team
Regulation & Compliance - March 24, 2026 - 8 min read
When an insured enters insolvency under the IBC 2016, claim filing, subrogation recovery rank, and D&O coverage change materially. Learn about Form B, Section 53 waterfall, NCLT moratorium effects, and coverage during pre-CIRP and post-CIRP periods.
By Tarun Kumar Singh
Claims & Loss Prevention - March 24, 2026 - 9 min read
Machinery Loss of Profit (MLOP) claims in India: waiting periods, indemnity period structure, difference from Advance Loss of Profit (ALOP) under EAR policies, and specific claim issues in steel, cement, and power sectors.
By Sarvada Editorial Team
Claims & Loss Prevention - March 23, 2026 - 9 min read
Understand arbitration in Indian insurance disputes. When arbitration clauses bind, Supreme Court rulings on coverage disputes, Insurance Ombudsman jurisdiction (INR 50 lakh), and alternatives under the Consumer Protection Act 2019.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 23, 2026 - 12 min read
Insurance framework for BESS startups covering lithium-ion thermal runaway hazards, CEA and CERC safety norms, cargo insurance for cell imports, EAR/CAR installation coverage, operational and maintenance liability, and alignment with National BESS Policy and PLI-ACC scheme.
By Sarvada Editorial Team
Claims & Loss Prevention - March 23, 2026 - 13 min read
Understanding stock throughput (STP) policies in India. How STP policies unify marine cargo and storage coverage to eliminate port and warehouse gaps. Concurrent causation, floating sum insured, and claim scenarios.
By Sarvada Editorial Team
Regulation & Compliance - March 22, 2026 - 5 min read
PESO (Petroleum and Explosives Safety Organisation) under DPIIT regulates licensing of petroleum storage, explosives manufacturing, and related hazardous operations. Insurance conditions tied to PESO licenses directly impact coverage scope and claim liability.
By Tarun Kumar Singh
Market & Trends - March 22, 2026 - 4 min read
Four PSU general insurers dominate government accounts and large property risks. Private insurers lead in commercial lines margins. Solvency ratios, claims settlement speeds, and specialisation increasingly determine policy placement for Indian commercial buyers.
By Sarvada Editorial Team
Regulation & Compliance - March 22, 2026 - 8 min read
SEBI Listing Obligations and Disclosure Requirements Regulation 30 materiality thresholds for insurance claims, denials, and recovery actions. When listed companies must disclose to stock exchanges and insider trading implications.
By Tarun Kumar Singh
Industry Risk Profiles - March 21, 2026 - 7 min read
Indian glass manufacturers face critical losses from furnace failures (glass-tank lifespan 10-15 years), cullet breakage, automotive safety-glass defects (IS 2553), and energy-cost volatility. Engineering insurance and product-liability coverage are essential for Saint-Gobain, Asahi, HNG, Borosil, and Tier-2 producers.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 21, 2026 - 9 min read
How Indian corporate expats and overseas workers can use Kidnap & Ransom (K&R) insurance to protect against kidnap, extortion, and wrongful detention with crisis response support.
By Sarvada Editorial Team
Industry Risk Profiles - March 21, 2026 - 6 min read
India's paper and pulp mills, operated by integrated majors (JK Paper, ITC, Century) and regional producers, face critical exposures from high-pressure recovery boilers burning black liquor, chemical-recovery explosive potential, heavy machinery (paper machines, digesters), and environmental liability under CPCB BOD/COD norms. Underwriting demands detailed process knowledge and IBR (Indian Boiler Regulations) compliance verification.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 20, 2026 - 11 min read
A practical guide to drone operator insurance under the DGCA Drone Rules 2021 (amended 2023), covering third-party liability by drone category, hull coverage, payload liability for agricultural spray and survey missions, and compliance requirements for obtaining UIN and Remote Pilot certificates.
By Sarvada Editorial Team
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