Insights
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
July 2, 2026
Browse by topic
956 articles
Risk Management Strategies - March 4, 2026 - 14 min read
A practical guide for Indian mid-market companies to build, maintain, and operationalise a strategic risk register that connects enterprise risks to insurance programme design, regulatory compliance, and board-level governance.
By Tarun Kumar Singh
Insurance Products - March 4, 2026 - 14 min read
How Indian businesses can consolidate warehouse stock insurance and goods-in-transit covers into a single programme, reducing coverage gaps, lowering administrative overhead, and ensuring end-to-end protection for inventory across storage and movement phases.
By Sarvada Editorial Team
Market & Trends - March 3, 2026 - 16 min read
An analysis of the FY2026 hard market conditions in Indian commercial insurance, examining how April 1 treaty renewals are affecting premiums across property, liability, and specialty lines. Covers GIC Re's role, capacity constraints, and practical strategies for buyers facing rate increases.
By Sarvada Editorial Team
Regulation & Compliance - March 3, 2026 - 13 min read
An analysis of the IRDAI regulatory sandbox outcomes released in early 2026, covering approved experiments in parametric insurance, usage-based covers, and digital claims settlement, and what these results mean for commercial insurance buyers and underwriters in India.
By Tarun Kumar Singh
Industry Risk Profiles - March 3, 2026 - 15 min read
An in-depth analysis of insurance risks facing India's pharmaceutical cold chain, covering temperature excursion losses, transit exposures, CDSCO compliance pressures, and the specific policy structures needed to protect high-value biologics and vaccines in a tropical climate.
By Sarvada Editorial Team
AI & Insurtech - March 2, 2026 - 11 min read
AI-driven policy comparison platforms are transforming how Indian businesses evaluate commercial insurance options, reducing assessment time from weeks to minutes while surfacing critical coverage gaps that manual reviews often miss.
By Sarvada Editorial Team
Risk Management Strategies - March 2, 2026 - 17 min read
How Indian corporates can identify and manage concentration risks across geographic, supplier, and revenue dimensions, understand their impact on insurance pricing and capacity, and implement diversification strategies.
By Tarun Kumar Singh
Claims & Loss Prevention - March 2, 2026 - 17 min read
A guide to construction defect claims in Indian insurance, covering the distinction between latent and patent defects, completed operations liability under CGL policies, RERA warranty obligations, the defect liability period in construction contracts, and the insurance coverage options available to contractors and developers.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 1, 2026 - 15 min read
Indian companies making overseas acquisitions increasingly use warranty and indemnity (W&I) insurance to bridge the gap between seller and buyer expectations on indemnification. This guide covers W&I policy structure, tax liability insurance, pricing in the Indian context, and integration into the deal process.
By Sarvada Editorial Team
AI & Insurtech - March 1, 2026 - 16 min read
How drones are being used for commercial insurance risk surveys in India, covering applications from factory roof inspection and warehouse fire risk assessment to crop damage evaluation, DGCA regulatory requirements, cost-benefit analysis versus traditional surveys, and insurer adoption trends.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 1, 2026 - 16 min read
Indian aggregator platforms spanning ride-hailing, home services, and delivery face a unique set of liability risks that standard insurance products do not address. This guide covers platform vs worker liability, customer injury claims, regulatory requirements, and bespoke programme structuring.
By Sarvada Editorial Team
Operations & Best Practices - February 28, 2026 - 17 min read
A practical guide to aligning business continuity plans with insurance programmes for Indian enterprises. Covers indemnity period selection for BI policies, disaster recovery cost coverage, supply chain contingency endorsements, crisis communication costs, alternate premises coverage, and a BCP-to-insurance mapping framework referencing IRDAI guidelines, ISO 22301, SEBI risk management requirements, and RBI's BCP directives.
By Tarun Kumar Singh
Market & Trends - February 28, 2026 - 13 min read
A in-depth review into how commercial insurance premiums are actually calculated in India, from the tariff era to detariffed pricing, burning cost analysis, experience rating, catastrophe loading, reinsurer influence, GST impact, and market cycle dynamics. Practical guidance for insurance buyers and underwriters handling premium negotiations.
By Sarvada Editorial Team
Insurance Products - February 28, 2026 - 12 min read
A rigorous guide to product liability insurance for Indian manufacturers. Covering the Consumer Protection Act 2019's liability provisions, IRDAI policy wordings, coverage triggers, and how to structure adequate limits across FMCG, automotive, and pharmaceutical sectors.
By Sarvada Editorial Team
AI & Insurtech - February 27, 2026 - 11 min read
An in-depth look at how Indian non-life insurers are deploying AI and machine learning models to detect fraudulent commercial claims -- from anomaly detection in stock losses to satellite verification of property damage.
By Sarvada Editorial Team
Market & Trends - February 27, 2026 - 10 min read
How embedded insurance, integrated at the point of sale of non-insurance products and services, is transforming commercial lines distribution in India, from GST portal covers to logistics platform cargo insurance.
By Sarvada Editorial Team
Operations & Best Practices - February 26, 2026 - 12 min read
Deductibles, excess, and franchise clauses are among the most misunderstood elements of commercial insurance policies in India. Getting them wrong can mean paying too much premium or facing unexpected out-of-pocket costs at claims time. This guide explains the different structures, when each applies, and strategies for optimising deductible levels to balance premium savings against retained risk.
By Tarun Kumar Singh
Global & Cross-Border Insurance - February 26, 2026 - 7 min read
How Indian companies investing in Africa, Southeast Asia, and the Middle East can use political risk insurance to protect against expropriation and instability.
By Sarvada Editorial Team
Industry Risk Profiles - February 26, 2026 - 10 min read
India's real estate sector, governed by RERA and fuelled by infrastructure investment, presents a complex web of insurance needs spanning construction, liability, professional indemnity, and title risks. This profile maps the insurance lifecycle for Indian developers, from land acquisition through construction to project handover, and identifies critical coverage gaps.
By Sarvada Editorial Team
Regulation & Compliance - February 25, 2026 - 28 min read
An explanation of how IRDAI's recent amendments to broker licensing and commission structures are changing commercial insurance distribution in India, covering the shift to flexible commissions, new disclosure requirements, placement steering risks, and what buyers should demand from their brokers.
By Tarun Kumar Singh
Insurance Products - February 25, 2026 - 11 min read
While marine cargo insurance gets significant attention, marine hull insurance (covering the vessel itself) remains poorly understood in the Indian market. With India expanding its inland waterway network under Sagarmala and increasing coastal shipping capacity, hull insurance is becoming a critical coverage for vessel operators and financiers.
By Sarvada Editorial Team
Industry Risk Profiles - February 25, 2026 - 11 min read
India's mining sector (including coal, iron ore, limestone, and bauxite) operates in one of the most hazardous industrial environments. Insurers face challenges from underground collapse risks, dust explosion hazards, equipment breakdowns, and stringent regulatory compliance under the Mines Act 1952 and DGMS guidelines.
By Sarvada Editorial Team
Insurance Products - February 24, 2026 - 12 min read
Burglary and housebreaking insurance remains one of the most underutilised commercial covers in India, despite rising property crime in industrial zones. This guide details the standard burglary policy structure, common exclusions, claims procedures, and practical security measures that insurers look for during risk assessment.
By Sarvada Editorial Team
Industry Risk Profiles - February 24, 2026 - 16 min read
India's cement industry, the world's second-largest producer at over 400 million tonnes annually, presents a distinctive risk profile for insurers. From rotary kilns operating at 1,450 degrees Celsius to dust explosion hazards in grinding mills, limestone quarry exposures, and bulk logistics across vast distances, underwriting cement risks demands deep understanding of process engineering, regulatory frameworks under the Mines Act 1952 and Factories Act 1948, and the sector's capital-intensive infrastructure.
By Sarvada Editorial Team
Sarvada
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.