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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
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956 articles
Risk Management Strategies - February 8, 2026 - 16 min read
An analysis of risk allocation in Indian PPP projects, covering concession agreement insurance requirements, which risks the concessionaire versus government bears, and how to structure insurance programmes for BOT and DBFOT projects.
By Tarun Kumar Singh
Claims & Loss Prevention - February 7, 2026 - 4 min read
Industrial fires cost Indian businesses thousands of crores annually. This guide covers fire risk assessment, prevention measures, and insurance implications specific to Indian manufacturing and industrial facilities.
By Sarvada Editorial Team
Insurance for Startups & New Economy - February 7, 2026 - 7 min read
How Indian businesses can use key man insurance to protect against the financial impact of losing critical personnel, such as structuring, tax, and claims.
By Sarvada Editorial Team
Industry Risk Profiles - February 7, 2026 - 16 min read
India's shipping and port sector, vital to 95% of the country's trade by volume, faces complex insurance exposures from hull damage, P&I liability, cargo losses at port, and expanding inland waterway operations. This risk profile examines the regulatory framework, key coverage requirements, and loss prevention strategies for ship owners, port operators, freight forwarders, and container depot operators.
By Sarvada Editorial Team
Global & Cross-Border Insurance - February 6, 2026 - 17 min read
Indian companies deploying seafarers and workers overseas face a matrix of insurance obligations spanning P&I clubs, foreign workers' compensation mandates, and employer liability under the Emigration Act. This guide covers the coverage architecture required to protect both the employer and the deployed workforce.
By Sarvada Editorial Team
Operations & Best Practices - February 6, 2026 - 14 min read
A practical guide to the key performance indicators Indian risk managers should track across their insurance programme: covering total cost of risk, claims ratios, coverage adequacy, broker performance, renewal competitiveness, and uninsured exposure analysis, with benchmark ranges for Indian commercial portfolios and board reporting frameworks aligned with IRDAI, Companies Act 2013, and SEBI LODR requirements.
By Tarun Kumar Singh
Market & Trends - February 6, 2026 - 3 min read
How parametric insurance, triggered by objective indices rather than assessed losses, is expanding from crop coverage to commercial and industrial applications in India.
By Sarvada Editorial Team
AI & Insurtech - February 5, 2026 - 3 min read
AI-powered claims triage is helping Indian commercial insurers prioritise claims, detect fraud early, and allocate adjuster resources more effectively. We examine how machine learning models are reshaping the first notice of loss workflow.
By Sarvada Editorial Team
Claims & Loss Prevention - February 5, 2026 - 7 min read
A step-by-step guide from detecting a cyber breach to filing and settling a cyber insurance claim in India, covering DPDP Act compliance and CERT-In rules.
By Sarvada Editorial Team
Industry Risk Profiles - February 5, 2026 - 4 min read
India's booming hospitality sector faces a complex web of liability exposures from guest safety and food service to property damage and employee risks. A guide to insurance solutions for hotels, restaurants, and resorts.
By Sarvada Editorial Team
Underwriting & Risk - February 4, 2026 - 7 min read
How the average clause penalises underinsurance in Indian SFSP policies, its impact on claim settlements, and what underwriters must communicate.
By Tarun Kumar Singh
Insurance for Startups & New Economy - February 4, 2026 - 15 min read
Indian climate-tech startups working on carbon credits, green hydrogen, and next-generation renewable energy face risks that standard insurance products do not address. This guide examines the coverage gaps and bespoke solutions available for clean energy ventures in India.
By Sarvada Editorial Team
Underwriting & Risk - February 4, 2026 - 3 min read
A practical guide for Indian commercial insurers on when to apply portfolio-level underwriting strategies versus detailed individual risk assessment for optimal results.
By Tarun Kumar Singh
Operations & Best Practices - February 3, 2026 - 8 min read
Step-by-step guide to identifying coverage gaps by mapping business risks against existing policies, with checklists for property, liability, and specialty lines.
By Tarun Kumar Singh
Market & Trends - February 3, 2026 - 15 min read
An examination of why Indian companies with revenues between INR 100-500 crore fall into an insurance coverage gap, too large for standardised SME products but too small for dedicated corporate broker attention. Covers the structural causes, real-world consequences, and what an adequate mid-market programme should include.
By Sarvada Editorial Team
Insurance Products - February 3, 2026 - 3 min read
The Employees' Compensation Act, 1923 imposes strict liability on Indian employers for workplace injuries and occupational diseases. This guide explains coverage requirements, compensation calculations, and insurance strategies.
By Sarvada Editorial Team
Insurance Products - February 2, 2026 - 7 min read
Guide to CAR policy structure in India; material damage, third-party liability, ALOP extensions, and maintenance period coverage.
By Sarvada Editorial Team
Regulation & Compliance - February 2, 2026 - 3 min read
GST at 18% on insurance premiums significantly affects the total cost of commercial coverage in India. Understand the tax structure, input tax credit eligibility, and how to optimise your insurance spend.
By Tarun Kumar Singh
Risk Management Strategies - February 2, 2026 - 7 min read
A practical guide for diversified Indian groups on structuring master policies, subsidiary schedules, coinsurance panels, and choosing between centralised and decentralised insurance procurement models.
By Tarun Kumar Singh
Operations & Best Practices - February 1, 2026 - 7 min read
How insurance brokers add value through claims advocacy, from documentation support to insurer negotiation and dispute resolution under Indian regulations.
By Tarun Kumar Singh
Insurance for Startups & New Economy - February 1, 2026 - 28 min read
A guide for Indian fintech lenders on embedding insurance into the lending journey, covering group master policies for borrower collateral, API-based policy issuance, IRDAI regulatory requirements for embedded distribution, and claims workflows when collateral is damaged.
By Sarvada Editorial Team
Regulation & Compliance - February 1, 2026 - 12 min read
A full analysis of IRDAI's phased transition from Solvency I to a risk-based capital regime, covering its impact on underwriting capacity, reinsurance strategy, capital allocation, and line-of-business profitability for Indian non-life insurers.
By Tarun Kumar Singh
Operations & Best Practices - January 31, 2026 - 3 min read
Manual policy issuance processes cost Indian insurers time, money, and customer satisfaction. Here is how digital workflows can transform policy administration from days to minutes.
By Tarun Kumar Singh
Risk Management Strategies - January 31, 2026 - 16 min read
A practical framework for insurance due diligence in Indian M&A transactions, covering how acquirers evaluate the target's insurance programme adequacy, hidden liabilities, and integration planning with regulatory considerations.
By Tarun Kumar Singh
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