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August 23, 2026
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1277 articles
Risk Management Strategies - May 23, 2026 - 19 min read
How Indian corporates finance climate physical-risk adaptation in 2026: BRSR Core disclosure pressure, sustainability-linked loans, green bonds and blended finance, and how parametric and indemnity insurance link to the adaptation capex programme.
By Sarvada Editorial Team
Insurance Products - May 23, 2026 - 18 min read
EPLI has moved from a niche multinational placement to a meaningful Indian corporate cover in 2026, driven by POSH Act third-party harassment claim trends, Industrial Disputes Act exposures, and the NCLT employment-claim spillover. Sectoral pricing benchmarks and the defence-costs allocation question.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 23, 2026 - 11 min read
Indian battery swap operators sit between EV fleet, energy storage, and retail real estate risk categories. The insurance market has begun pricing this combination distinctly, with fire, third-party liability, and battery asset cover dominating renewal conversations in 2026.
By Sarvada Editorial Team
Claims & Loss Prevention - May 23, 2026 - 22 min read
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
Underwriting & Risk - May 23, 2026 - 19 min read
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
Global & Cross-Border Insurance - May 23, 2026 - 16 min read
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
Regulation & Compliance - May 23, 2026 - 13 min read
The IRDAI Corporate Agent Regulations 2015, amended through 2024 to 2026, define how banks, NBFCs, and other corporate entities distribute insurance in India. The three-insurer cap, fit-and-proper norms, and the broker-versus-corporate-agent distinction shape competitive positioning in 2026.
By Sarvada Editorial Team
Industry Risk Profiles - May 22, 2026 - 20 min read
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
Risk Management Strategies - May 22, 2026 - 23 min read
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
AI & Insurtech - May 22, 2026 - 21 min read
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
Operations & Best Practices - May 22, 2026 - 19 min read
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
Market & Trends - May 22, 2026 - 18 min read
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
Insurance for Startups & New Economy - May 22, 2026 - 20 min read
Indian EV charging network operators including Tata Power EZ Charge, Statiq, ChargeZone, Glida, and the oil-marketing-company networks face distinctive insurance exposures from DC fast charger fires, electrocution liability, grid-tie surge events, and OCPP-connected cyber risk. This post maps the 2026 cover stack with INR pricing benchmarks.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 22, 2026 - 17 min read
Indian pharmaceutical, food, auto-component, and electronics exporters now face recall exposure across multiple regulators including FDA, EFSA, CPSC, Health Canada, MHRA and FSSAI domestically. Recall insurance written in India, the Lloyd's syndicates, and the Bermuda market each treat triggers, first-party costs, and third-party consequences differently. Programme design in 2026 requires a layered structure that maps recall triggers to regulatory jurisdictions, separates first-party recall costs from third-party liability, and uses GIFT City IFSCA reinsurance to keep meaningful capacity within Indian programme coordination.
By Sarvada Editorial Team
Market & Trends - May 22, 2026 - 11 min read
The composite insurer licence was dropped from the Insurance Amendment Act 2025, so the life and non-life separation holds in 2026. Here is what that means for commercial premium flows, broker placement strategy, panel management, and client advisory.
By Tarun Kumar Singh
AI & Insurtech - May 22, 2026 - 10 min read
How Indian general insurers are deploying graph neural networks to detect fraud rings across motor and health claims, the entity resolution challenges in the Indian context, and the IRDAI Fraud Monitoring Framework updates through 2024 and 2025 that shape production deployments.
By Sarvada Editorial Team
Underwriting & Risk - May 22, 2026 - 16 min read
An underwriting view on India's green hydrogen electrolyser build wave under the National Green Hydrogen Mission. Covers EAR and DSU sizing for alkaline and PEM stacks, vendor exposure to Indian and Chinese OEMs, SIGHT incentive interplay, and the 2026 reinsurance capacity picture.
By Sarvada Editorial Team
Insurance Products - May 22, 2026 - 11 min read
Cyber BI is now the largest single component of Indian corporate cyber claims by value. The 2026 wording market has differentiated materially across insurers on waiting period, dependent business interruption, and reputational harm extensions.
By Sarvada Editorial Team
Insurance Products - May 22, 2026 - 18 min read
Trade credit cover has moved from ECGC-dominated to a genuinely mixed market for Indian MSME exporters and domestic suppliers. The 2026 product map spans ECGC Whole Turnover, Shipment, and Buyer-wise covers, private market placements with Atradius, Coface, ICICI Lombard, and TATA AIG, premium benchmarks by country risk band, and the Red Sea disruption claims experience.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 22, 2026 - 13 min read
Indian AI SaaS startups now face a distinct underwriting category: model risk. Hallucinations, output bias, training-data IP exposure, and prompt-injection breaches map to four insurance products that do not yet sit cleanly under any single Indian wording.
By Sarvada Editorial Team
Claims & Loss Prevention - May 22, 2026 - 22 min read
A practitioner's guide to business interruption loss adjustment under the standard Indian fire wording, covering indemnity period selection, gross profit versus net profit basis, ICAI forensic accounting standards, but-for methodology, increased cost of working sub-limits, and the broker checklist when a forensic accountant is brought in.
By Sarvada Editorial Team
Regulation & Compliance - May 22, 2026 - 16 min read
The Digital Personal Data Protection Act 2023 reshapes how Indian insurance brokers collect, process, store, and share personal data. With the DPDP Rules notified in November 2025 on a phased 12-to-18-month rollout (full enforcement and penalties by mid-2027) and Data Protection Board penalties of up to INR 250 crore in play, brokers must move now to operate as data fiduciaries with documented compliance.
By Sarvada Editorial Team
Underwriting & Risk - May 22, 2026 - 19 min read
How Indian non-life insurers price machinery breakdown for process industries in 2026: sum-insured methodology, deductible architecture for turbines, kilns, presses and reactors, time-element versus amount deductibles for downtime, IIB loss-cost benchmarks, and the policy wording moves that follow the 2023 to 2025 cement and steel loss cycle.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 22, 2026 - 14 min read
Indian exporters increasingly fund working capital through reverse factoring, dynamic discounting, and platform-based supply chain finance. The insurance architecture protecting these flows sits at the intersection of trade credit, surety, and political risk markets, and the 2026 capacity map looks materially different from what most exporters last reviewed.
By Sarvada Editorial Team
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