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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
Latest
July 2, 2026
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956 articles
Claims & Loss Prevention - January 31, 2026 - 4 min read
Subrogation allows insurers to recover claim payouts from negligent third parties. Explore how subrogation works under Indian law, its impact on commercial policyholders, and why it matters for your business's claims experience.
By Sarvada Editorial Team
Underwriting & Risk - January 30, 2026 - 7 min read
A practical guide to facultative reinsurance placement in India, from structuring the slip to negotiating terms with reinsurers under IRDAI regulations.
By Tarun Kumar Singh
Claims & Loss Prevention - January 30, 2026 - 16 min read
A detailed guide to salvage rights and recovery processes in Indian commercial claims. Covering insurer salvage entitlements post-settlement, marine abandonment and constructive total loss under the Marine Insurance Act 1963, salvage sale procedures and auction protocols, scrap value disputes, and policyholder obligations for preserving damaged property.
By Sarvada Editorial Team
Operations & Best Practices - January 30, 2026 - 7 min read
How Indian employers and insurers should evaluate, onboard, and manage TPAs for group health, including SLA frameworks, cashless networks, and IRDAI TPA regulations.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 16 min read
A practical guide to determining the correct sum insured for Indian commercial properties -- covering reinstatement value vs. Market value vs. Book value, the devastating impact of underinsurance and the average clause, stock declaration policies, escalation clauses, professional valuation standards per IRDAI guidelines and RICS, and common valuation pitfalls across buildings, plant/machinery, and stock.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 3 min read
How Indian commercial insurers can apply structured data, analytics, and scoring models to make better risk selection decisions and improve portfolio profitability.
By Tarun Kumar Singh
Global & Cross-Border Insurance - January 29, 2026 - 17 min read
Indian companies establishing US subsidiaries face a complex insurance environment with state-level workers' compensation mandates, admitted carrier requirements, and liability exposures that differ dramatically from the Indian market. This guide covers regulatory requirements, essential coverages, and cost considerations.
By Sarvada Editorial Team
AI & Insurtech - January 28, 2026 - 3 min read
India's 63 million SMEs are chronically underinsured, partly because traditional underwriting is uneconomical for small commercial risks. Automated risk scoring models offer a path to profitable, scalable SME insurance coverage.
By Sarvada Editorial Team
Industry Risk Profiles - January 28, 2026 - 10 min read
A full look at insurance risks across India's automotive supply chain, from OEM assembly plants and Tier-1/2 suppliers to EV battery manufacturers and dealerships, with guidance on coverage structuring and regulatory compliance.
By Sarvada Editorial Team
Industry Risk Profiles - January 28, 2026 - 3 min read
India's food processing industry faces unique insurance challenges at the intersection of product safety, regulatory compliance, and supply chain complexity. Understanding recall risks and coverage options is essential.
By Sarvada Editorial Team
AI & Insurtech - January 27, 2026 - 13 min read
An in-depth look at how AI and machine learning are reshaping catastrophe modelling for India-specific perils such as monsoon floods, cyclones, and seismic events. This post covers why historical loss data alone is inadequate, how satellite imagery and IoT sensor feeds improve model accuracy, and the downstream effects on underwriting and pricing.
By Sarvada Editorial Team
Insurance Products - January 27, 2026 - 13 min read
A wide-ranging guide to Electronic Equipment Insurance (EEI) for Indian businesses — covering IT infrastructure, data centres, medical diagnostic equipment, and process control systems, with India-specific regulatory references and practical underwriting considerations.
By Sarvada Editorial Team
Regulation & Compliance - January 27, 2026 - 3 min read
KYC and anti-money laundering compliance is a critical obligation for Indian insurers. This guide covers IRDAI's KYC norms, PMLA requirements, and practical implementation for commercial underwriting.
By Tarun Kumar Singh
Insurance Products - January 26, 2026 - 4 min read
As cyber threats escalate across Indian enterprises, cyber insurance has become a boardroom priority. This detailed guide covers policy structures, CERT-In compliance, DPDP Act implications, and practical buying strategies for 2026.
By Sarvada Editorial Team
Global & Cross-Border Insurance - January 26, 2026 - 7 min read
How Incoterms 2020 allocate insurance responsibility, structuring open cover for frequent shippers, and managing marine claims under Indian law.
By Sarvada Editorial Team
Underwriting & Risk - January 26, 2026 - 7 min read
How Indian underwriters can assess drone operations, EV fleet exposures, and lithium-ion BESS facilities with practical pricing and risk selection guidance.
By Tarun Kumar Singh
Insurance for Startups & New Economy - January 25, 2026 - 25 min read
A practical guide for Indian direct-to-consumer brands in beauty, food, wellness, and apparel, identifying the specific insurance gaps that most D2C founders overlook, from product liability for cosmetics and ingestibles to DPDP Act exposure from customer data collection at scale.
By Sarvada Editorial Team
Risk Management Strategies - January 25, 2026 - 7 min read
How Indian businesses can use installment premiums, financing arrangements, and cash flow strategies to manage large commercial insurance spends effectively.
By Tarun Kumar Singh
Market & Trends - January 25, 2026 - 3 min read
Key reinsurance market trends affecting Indian non-life insurers in 2026, including from GIC Re's role to global capacity shifts, pricing, and regulatory developments.
By Sarvada Editorial Team
Insurance for Startups & New Economy - January 24, 2026 - 16 min read
Indian edtech companies face content errors and omissions risk, IP infringement exposure, and student data obligations under the DPDP Act. This guide details the insurance covers that edtech founders should carry to protect against syllabus errors, platform liability for third-party content, and regulatory penalties.
By Sarvada Editorial Team
Underwriting & Risk - January 24, 2026 - 3 min read
How Indian commercial underwriters can identify, assess, and mitigate moral hazard. The risk that insurance coverage itself changes the policyholder's behaviour.
By Tarun Kumar Singh
Operations & Best Practices - January 24, 2026 - 15 min read
A practical guide for Indian commercial policyholders and brokers on interpreting insurance policy wordings — covering recitals, operative clauses, conditions precedent, exclusion schedules, endorsements, and negotiation strategies at placement stage, with references to Indian Contract Act 1872, IRDAI standardised wordings, and key Supreme Court judgments.
By Tarun Kumar Singh
AI & Insurtech - January 23, 2026 - 3 min read
Computer vision is enabling Indian insurers to assess property risks using satellite imagery, drone footage, and photographic evidence. From detecting construction quality to monitoring fire hazards, visual AI is transforming risk engineering.
By Sarvada Editorial Team
Regulation & Compliance - January 23, 2026 - 8 min read
How National Building Code 2016 fire norms, BIS standards, and TAC guidelines affect insurance underwriting, premiums, and claims for Indian commercial properties.
By Tarun Kumar Singh
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