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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
Operations & Best Practices - May 21, 2026 - 17 min read
How Indian commercial insurance brokers should structure commission accounting under the IRDAI Expenses of Management Regulations 2024: revenue recognition timing, EoM and brokerage cap interplay, audit trail for trail commission, and GST positioning on brokerage.
By Tarun Kumar Singh
Regulation & Compliance - May 21, 2026 - 16 min read
An implementation handbook for Indian insurers operationalising the DPDP Act 2023 in 2026 following Rules notification, covering consent manager integration, data fiduciary duties, the broker-as-processor relationship, breach notification SOPs, and the governance posture risk committees should adopt now.
By Tarun Kumar Singh
Operations & Best Practices - May 21, 2026 - 16 min read
A working framework for auditing electronic policy issuance against IRDAI rules in 2026, covering PAS-CSV control gates, stamp duty compliance, wording version traceability, and the inspection patterns IRDAI uses most often.
By Sarvada Editorial Team
Regulation & Compliance - May 21, 2026 - 14 min read
An analysis of the 2026 cycle of the Insurance Amendment Bill in India and its implications for broker firms, including the composite licence proposal, FDI policy changes, distribution rule revisions, the agent versus broker boundary, and the FOS bench expansion that together will reshape commercial broking economics through the decade.
By Sarvada Editorial Team
Market & Trends - May 21, 2026 - 16 min read
FDI 100% liberalisation has unlocked a wave of Indian insurer consolidation in 2026. Foreign acquirers are buying domestic stakes, mid-market insurers are merging, and commercial buyers face changed placement choice, treaty continuity questions, and broker realignment.
By Sarvada Editorial Team
Risk Management Strategies - May 21, 2026 - 19 min read
An implementation playbook for ISO 22301:2019 Business Continuity Management Systems at Indian corporates, with explicit alignment to the insurance programme. Covers BIA methodology mapped to BI sums insured, RTO and RPO calibration against indemnity periods, and the emerging use of parametric structures as BCM activation triggers.
By Sarvada Editorial Team
Underwriting & Risk - May 21, 2026 - 16 min read
How Indian underwriters should distinguish Maximum Foreseeable Loss and Probable Maximum Loss for warehouse risks, with specific attention to stack height impact, fire-cell separation, sprinkler credit methodology, and loss patterns from the Bhiwandi, Manesar, and Hosur warehouse clusters.
By Sarvada Editorial Team
Regulation & Compliance - May 20, 2026 - 14 min read
How Bima Sugam is reshaping Indian broker economics after retail phase 1 rollout: client account access mechanics, commission compression risks in retail lines, the commercial-lines defensibility argument, and the technology adaptations brokers need to remain commercially viable through the phase 2 transition.
By Sarvada Editorial Team
Market & Trends - May 20, 2026 - 17 min read
IRDAI's Bima Vahak programme, the women-centric last-mile arm of the Bima Trinity, moved from design to onboarding in 2025, opening potential commercial-line spillover for SHG and MSME clusters and new broker partnership models.
By Sarvada Editorial Team
Operations & Best Practices - May 20, 2026 - 17 min read
A working framework for benchmarking Indian non-life insurers on commercial claims service levels, covering FNOL-to-surveyor timelines, surveyor-to-report cycles, report-to-settlement windows, quartile ranges by insurer cohort, and how brokers should put the data to work.
By Sarvada Editorial Team
Risk Management Strategies - May 20, 2026 - 21 min read
A practitioner playbook for ERM implementation at Indian mid-cap manufacturers with revenues of INR 500 to 5,000 crore. Covers risk register architecture, control self-assessment methodology, board-level operational risk committee design, and the integration of risk findings into the annual insurance procurement cycle.
By Sarvada Editorial Team
Underwriting & Risk - May 20, 2026 - 16 min read
How Indian cedants and brokers place jumbo facultative risks with sum insured above INR 1,000 crore in 2026, covering syndication strategy, lead reinsurer selection, the GIC Re obligatory cession interplay, and the GIFT City facultative market's role.
By Sarvada Editorial Team
Regulation & Compliance - May 20, 2026 - 15 min read
A field guide to the expected 2026 refresh of the IRDAI Information and Cyber Security Guidelines 2023, covering scope expansion to brokers and TPAs, third-party risk obligations, board attestation, and the implementation actions that risk and compliance leaders should begin in advance of formal notification.
By Tarun Kumar Singh
AI & Insurtech - May 19, 2026 - 16 min read
Specific pre-monsoon portfolio actions for Indian insurers and brokers ahead of the 2026 southwest monsoon: IMD forecast integration, coastal and riverine aggregation control, reinsurer-treaty implications, and the board-level governance posture.
By Tarun Kumar Singh
Operations & Best Practices - May 19, 2026 - 16 min read
A practical map of the software stack a mid-market Indian commercial insurance broker needs in 2026, covering CRM, placement platforms, policy administration, claims tracking, AI assistants, build versus buy decisions, and firm-size thresholds.
By Sarvada Editorial Team
Market & Trends - May 19, 2026 - 16 min read
Indian insurers writing commercial lines adopt Ind AS 117 from April 1, 2026, with FY2026-27 the first reporting year. Contract grouping decisions, CSM run-off mechanics, and loss-component recognition are reshaping the conversations brokers and corporate buyers have at renewal.
By Tarun Kumar Singh
Insurance Products - May 19, 2026 - 10 min read
How Indian corporates with operations in Naxal-affected mining belts, remote plantations, and high-risk industrial districts structure kidnap and ransom programs that cover employees, contractors, and crisis-response services without falling foul of unlawful activities legislation.
By Sarvada Editorial Team
Industry Risk Profiles - May 19, 2026 - 18 min read
An underwriting and broker placement guide to the Erection All Risks and Delay in Start Up cover for India's first wave of semiconductor fabs and packaging plants. Covers hot and dry test phase exposures, vendor third-party liability, ISM Mission incentive interplay, and the DSU sum insured calibration that has become the central placement question for 2026.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 19, 2026 - 16 min read
Indian private launch vehicle startups including Skyroot Aerospace, Agnikul Cosmos, and EtherealX face a four-phase insurance need (pre-launch, launch, in-orbit, third-party liability) governed by the Outer Space Treaty 1967 and the IN-SPACe norms with material gaps in domestic insurance capacity.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 18, 2026 - 16 min read
Indian DaaS operators including Garuda Aerospace, ideaForge, and ThrottleAerospace face a hybrid SaaS-meets-operator insurance need: fleet hull and liability for hundreds of airframes, DGCA Drone Rules 2021 compliance, BVLOS pilot exposure, and customer indemnity stacks that no off-the-shelf product covers.
By Sarvada Editorial Team
AI & Insurtech - May 18, 2026 - 16 min read
How API marketplaces are bundling multiple insurer products for embedded distribution post-Bima-Sugam, with MGA partnerships replacing traditional broker placement and the operating economics reshaping commercial insurance distribution in India.
By Sarvada Editorial Team
Insurance Products - May 18, 2026 - 19 min read
Amendments to the Environment (Protection) Act 1986 through the Jan Vishwas reforms, the Water Act amendment, and tighter CPCB rules have shifted environmental liability exposure squarely onto India's MSME manufacturing base. This piece sets out how environmental impairment liability cover should be sized for MSMEs, the National Green Tribunal exposure pattern, and how to obtain gradual pollution coverage that the standard public liability policy excludes.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 18, 2026 - 19 min read
Indian companies acquiring European and US targets need an insurance toolkit that goes well beyond the standard domestic deal. This guide covers the representations and warranties insurance market for inbound coverage on outbound deals, run-off cover for retained pre-closing liabilities, and how Indian acquirers practically access transaction liability capacity through London and Singapore.
By Sarvada Editorial Team
Industry Risk Profiles - May 18, 2026 - 17 min read
How brokers and underwriters structure insurance for India's major container terminal operators including Adani Ports, JSW Infrastructure, DP World India, JM Baxi, and APM Terminals. Examines terminal operator legal liability, container handling equipment cover, marine cum port liability, P&I bundling for in-port tug operations, and the cyber exposure that has rewritten 2026 terms.
By Sarvada Editorial Team
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