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July 2, 2026

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956 articles

All AI & Insurtech Claims & Loss Prevention Global & Cross-Border Insurance Industry Risk Profiles Insurance for Startups & New Economy Insurance Products Market & Trends Operations & Best Practices Regulation & Compliance Risk Management Strategies Underwriting & Risk

Operations & Best Practices - February 16, 2026 - 15 min read

Vendor and Contractor Insurance Requirements: Protecting Your Supply Chain

A full guide for Indian principal employers and project owners on structuring insurance requirements for vendors, subcontractors, and service providers. Covering contractual liability clauses, certificate of insurance verification, additional insured endorsements, waiver of subrogation, and hold-harmless agreements under Indian law.

By Tarun Kumar Singh

Underwriting & Risk - February 15, 2026 - 27 min read

Rate Adequacy in Indian Fire Insurance After De-Tariffing: Where Premiums Went and Why It Matters

A historical and market analysis of how Indian commercial fire insurance rates have eroded since de-tariffing in 2007, which occupancy classes have been hit hardest, how this affects reinsurance treaty results, and whether IRDAI's burning cost data initiatives will force a market correction.

By Tarun Kumar Singh

Claims & Loss Prevention - February 15, 2026 - 17 min read

Product Recall Claims in India: Trigger Mechanisms, Cost Categories, and Insurer Expectations

A detailed guide to product recall claims in Indian commercial insurance, covering regulatory triggers under FSSAI and BIS, voluntary versus mandatory recalls, the cost categories covered by recall insurance, documentation requirements, and what insurers expect from policyholders during a recall event.

By Sarvada Editorial Team

Regulation & Compliance - February 15, 2026 - 3 min read

Reinsurance Regulation in India: Understanding GIC Re's Evolving Role

India's reinsurance sector is evolving with GIC Re's changing mandate and IRDAI's liberalisation of foreign reinsurer access. Understand the regulatory framework shaping reinsurance placements in India.

By Tarun Kumar Singh

Insurance Products - February 14, 2026 - 4 min read

Business Interruption Insurance: Why Indian Manufacturers Cannot Afford to Ignore It

Fire, flood, or machinery breakdown can halt production for months. Business interruption insurance covers the financial losses Indian manufacturers suffer when operations are disrupted beyond physical damage.

By Sarvada Editorial Team

Global & Cross-Border Insurance - February 14, 2026 - 7 min read

IFSCA and GIFT City: India's Emerging Hub for Global Insurance and Reinsurance

How IFSCA's regulatory framework is positioning GIFT City as India's offshore hub for global insurance, reinsurance, and captive operations.

By Sarvada Editorial Team

Underwriting & Risk - February 14, 2026 - 3 min read

Managing Subjectivities in Commercial Underwriting

A guide to effectively using subjectivities, conditional requirements imposed on commercial insurance policies, to manage risk without losing business.

By Tarun Kumar Singh

Global & Cross-Border Insurance - February 13, 2026 - 17 min read

How to Structure a Global Insurance Programme from India: Master-Local Policy Architecture

A step-by-step guide for Indian risk managers on structuring a global insurance programme with India as the master policy hub, covering fronting arrangements, premium allocation, claims flow, tax compliance, and DIC/DIL provisions across multiple jurisdictions.

By Sarvada Editorial Team

Regulation & Compliance - February 13, 2026 - 7 min read

Microinsurance and IRDAI's Framework for Low-Income Commercial Coverage in India

How IRDAI's microinsurance regulations apply to micro-enterprises, SHG-based distribution, cooperative models, and the gap between regulation and penetration.

By Tarun Kumar Singh

Operations & Best Practices - February 13, 2026 - 3 min read

Risk Engineering Surveys: Best Practices for Indian Commercial Insurance

Risk engineering surveys are the backbone of informed commercial underwriting. This guide covers survey types, execution standards, and how to translate survey findings into better risk selection and pricing.

By Tarun Kumar Singh

Market & Trends - February 12, 2026 - 17 min read

Agriculture Insurance Beyond PMFBY: Commercial Crop and Agribusiness Coverage

A complete examination of commercial agriculture insurance beyond PMFBY: covering cold chain and food processing facility risks, agri-commodity transit insurance, greenhouse and polyhouse coverage, aquaculture insurance, and parametric weather derivatives for large Indian agribusinesses. Addresses monsoon variability, fragmented supply chains, moral hazard in crop valuation, and the regulatory framework under IRDAI, NABARD, and the WDRA Act 2007.

By Sarvada Editorial Team

Insurance Products - February 12, 2026 - 7 min read

Inland Transit Insurance in India: Protecting Goods Moving by Road and Rail

A practical guide to inland transit insurance in India, policy types, carrier liability gaps, open transit covers, and claims procedures for domestic cargo.

By Sarvada Editorial Team

Industry Risk Profiles - February 12, 2026 - 4 min read

Insurance Challenges for India's Renewable Energy Sector

India's ambitious renewable energy targets create significant insurance demand but also present novel underwriting challenges around technology risk, natural catastrophe exposure, and performance guarantees.

By Sarvada Editorial Team

Insurance Products - February 11, 2026 - 12 min read

Fidelity Guarantee Insurance in India: Protecting Businesses Against Employee Dishonesty

A full guide to fidelity guarantee insurance for Indian businesses, covering employee theft, embezzlement, forgery, and cyber-enabled fraud. Learn about policy structures, legal frameworks under the Indian Penal Code, and the claims process for commercial fidelity bonds.

By Sarvada Editorial Team

Insurance for Startups & New Economy - February 11, 2026 - 16 min read

Insurance for Co-Working and Managed Office Operators in India: Property, Liability, and Tenant Coverage Gaps

Indian co-working and managed office operators face property damage risk, public liability for shared spaces, cyber exposure from shared networks, and complex lease arrangements that create coverage gaps. This guide covers the insurance programme every flex-space operator needs.

By Sarvada Editorial Team

AI & Insurtech - February 11, 2026 - 3 min read

Telematics and Fleet Insurance: Opportunities for Indian Logistics

India's rapidly growing logistics sector is ripe for telematics-driven fleet insurance. Usage-based and behaviour-based pricing models offer benefits for both insurers and fleet operators managing India's challenging road conditions.

By Sarvada Editorial Team

Regulation & Compliance - February 10, 2026 - 2 min read

Environmental Liability Regulations for Indian Manufacturers

Indian manufacturers face increasing environmental liability under multiple regulatory frameworks. This guide covers key statutes, compliance obligations, and how insurance can mitigate environmental risk exposure.

By Tarun Kumar Singh

AI & Insurtech - February 10, 2026 - 16 min read

LLM-Based Claims Adjudication: Opportunities and Risks for Indian Insurers

A balanced assessment of how large language models can automate claims assessment in Indian commercial insurance, covering use cases like document review, coverage determination, and fraud detection, alongside risks including hallucination, bias, and regulatory pushback from IRDAI.

By Sarvada Editorial Team

Insurance Products - February 10, 2026 - 12 min read

Machinery Breakdown Insurance in India: Protecting Capital-Intensive Operations

A thorough guide to machinery breakdown insurance in India, covering IRDAI engineering policy wordings, the distinction between MB and fire/SFSP covers, electronic equipment extensions, and regulatory requirements under the Indian Boilers Act and Factories Act.

By Sarvada Editorial Team

Risk Management Strategies - February 9, 2026 - 8 min read

Captive Insurance and Self-Insurance Options for Large Indian Corporates

Explore captive insurance and self-insurance strategies for large Indian corporates, including IFSCA GIFT City domicile options and regulatory frameworks.

By Tarun Kumar Singh

Underwriting & Risk - February 9, 2026 - 3 min read

Climate Risk and Underwriting in Coastal India

How climate change is reshaping the sector for commercial insurance along India's 7,500 km coastline, and what underwriters must do to adapt pricing and coverage.

By Tarun Kumar Singh

Insurance Products - February 9, 2026 - 3 min read

Professional Indemnity Insurance for Consultants and Advisors in India

Professional indemnity insurance protects Indian consultants, architects, engineers, and advisors against claims of negligence, errors, and omissions. Here is what every professional services firm needs to know.

By Sarvada Editorial Team

Industry Risk Profiles - February 8, 2026 - 28 min read

Why Indian Insurers Struggle with Automotive Recall Risk and What It Means for OEMs

An analysis of why product recall insurance remains rare among Indian automotive OEMs and tier-1 suppliers, examining the specialist underwriter concentration, the lack of Indian actuarial data, and how EV battery and software-defined vehicle risks are changing recall exposure.

By Sarvada Editorial Team

Industry Risk Profiles - February 8, 2026 - 7 min read

Organised Retail and Shopping Mall Insurance Risks in India

A practical guide to fire, public liability, stock, business interruption, and cyber insurance risks for Indian shopping malls and retail chains.

By Sarvada Editorial Team

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