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August 23, 2026
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1277 articles
Operations & Best Practices - May 5, 2026 - 12 min read
Large Indian enterprises collect hundreds of COIs annually from vendors, contractors, and tenants. Without a systematic tracking process, deficient COIs create uninsured vendor gaps and contractual breaches that only surface at claim time.
By Sarvada Editorial Team
Industry Risk Profiles - May 5, 2026 - 10 min read
India's 8,600 cold storage facilities face a distinct set of engineering, fire, and perishable goods risks that require a layered insurance programme. This guide maps out every policy a cold storage operator needs and the underwriting factors that drive premiums.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 5, 2026 - 18 min read
HealthTech startups in India face a convergence of CDSCO regulation for Software as a Medical Device, product liability for diagnostic AI algorithms, and clinical data obligations under the DPDP Act and ABDM framework. This guide covers the full insurance programme for medical device and clinical AI companies.
By Sarvada Editorial Team
Risk Management Strategies - May 5, 2026 - 13 min read
Standard SFSP-based business interruption policies exclude pandemic losses because they require a physical damage trigger. This guide examines what coverage is realistically available to Indian companies after COVID-19, from non-damage BI extensions and parametric pandemic products to supply chain covers and IRDAI's evolving stance on standard pandemic products.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 11 min read
Most Indian companies renew insurance without knowing whether their premium rate is above or below the market. Benchmarking gives risk managers the data to challenge renewal pricing with evidence rather than assertion.
By Sarvada Editorial Team
Claims & Loss Prevention - May 5, 2026 - 14 min read
A step-by-step guide to managing a machinery breakdown insurance claim in India, from first notification of loss through surveyor investigation, root cause analysis, repair authorization, and final settlement, with sector-specific examples from textiles, cement, and general manufacturing.
By Sarvada Editorial Team
Operations & Best Practices - May 5, 2026 - 14 min read
A practical guide for Indian risk managers on building a risk register suited to mid-market companies and systematically mapping identified risks to insurance coverage, retention, or mitigation, closing the gap between what appears on the register and what the insurance programme actually covers.
By Tarun Kumar Singh
Global & Cross-Border Insurance - May 4, 2026 - 10 min read
The admitted versus non-admitted decision shapes whether insurance is legally enforceable, how claims are paid, and what penalties apply. Indian multinationals need a market-by-market strategy, not a blanket assumption.
By Sarvada Editorial Team
Claims & Loss Prevention - May 4, 2026 - 6 min read
Indian health insurers leak 12 to 18% of claim spend to preventable causes. Analytics has moved from pilot to operating discipline, but most insurers still capture only a fraction of the available recovery.
By Tarun Kumar Singh
Underwriting & Risk - May 4, 2026 - 12 min read
A loss control survey is not an audit, it is an underwriter's primary tool for assessing risk quality before pricing your policy. This guide explains what Indian commercial insurance surveyors look for, how findings translate into premium and coverage terms, and how risk managers can prepare effectively.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 4, 2026 - 17 min read
Indian companies expanding internationally face a complex insurance architecture challenge: master policies placed in India must mesh with locally admitted policies in host countries, FEMA premium remittance rules, and admitted insurance requirements in Africa, the Middle East, and Southeast Asia that global insurance networks are still learning to navigate.
By Tarun Kumar Singh
Market & Trends - May 4, 2026 - 15 min read
Parametric insurance is expanding well beyond agricultural weather-index products in India, with trigger-based structures now being piloted for construction delays, renewable energy shortfalls, hospitality revenue losses, and supply chain disruptions. This post examines the commercial sectors drawing interest, IRDAI's regulatory stance, basis risk challenges, and the data infrastructure underpinning these products.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 4, 2026 - 11 min read
Indian IT consultants, engineers, and management professionals working on overseas contracts face PI exposure that Indian domestic policies do not cover. This guide explains why, and how to close the gap.
By Sarvada Editorial Team
Industry Risk Profiles - May 4, 2026 - 9 min read
With over 11 GW of rooftop solar capacity installed in India by end-2025, commercial and industrial property owners face new insurance questions: does the existing fire policy cover the panels, and what happens when a faulty inverter sets the building on fire? This guide answers both.
By Sarvada Editorial Team
AI & Insurtech - May 3, 2026 - 16 min read
AI-driven predictive modelling and catastrophe model integration are allowing Indian primary insurers to rethink retention levels, treaty structures, and renewal negotiations with international reinsurers, though GIC Re's mandatory cession obligations and data quality constraints shape what is achievable.
By Sarvada Editorial Team
Claims & Loss Prevention - May 3, 2026 - 15 min read
A practical guide to cargo damage claims arising at Indian ports including JNPT, Mundra, Chennai, Vizag, and Kolkata, covering time limits, documentation requirements, surveyor appointment, carrier liability under Hague-Visby Rules, and subrogation recovery from port operators and stevedores.
By Sarvada Editorial Team
Insurance Products - May 3, 2026 - 14 min read
Directors and Officers liability insurance is no longer the exclusive preserve of NSE-listed boardrooms. Personal liability exposure under the Companies Act 2013, NCLT insolvency proceedings, and investor-driven requirements are making D&O a practical necessity for privately held Indian SMEs.
By Tarun Kumar Singh
Risk Management Strategies - May 3, 2026 - 13 min read
When a contractor's worker is injured on your premises and the contractor carries no valid insurance, your company faces the claim. This guide maps the liability chain under the Contract Labour Act, Employees' Compensation Act, and Factories Act, and shows how to structure insurance to close the gap.
By Tarun Kumar Singh
Global & Cross-Border Insurance - May 3, 2026 - 15 min read
Indian pharma exports reached $27 billion in FY2025, with the US, EU, and Africa as primary destinations. Domestic product liability policies do not cover foreign jurisdiction claims, and the gap between Indian coverage and the limits required by US and EU buyers exposes exporters to significant uninsured liability.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 3, 2026 - 10 min read
Indian companies entering Vietnam, Indonesia, Thailand, Malaysia, Singapore, and the Philippines face insurance requirements that domestic Indian policies cannot meet. This guide covers admitted policy rules, controlled master programme design, and IFSCA's role in ASEAN programme structuring.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 3, 2026 - 18 min read
LegalTech startups in India operate under the Advocates Act 1961's restrictions on legal practice, creating unique professional indemnity and AI liability exposure. This guide covers insurance requirements from seed stage through Series A for contract automation, ODR platforms, and legal SaaS companies.
By Sarvada Editorial Team
Regulation & Compliance - May 2, 2026 - 5 min read
Bancassurance has become India's most scrutinised distribution channel. Conduct risk now sits at the intersection of IRDAI's policyholder-protection mandate and the RBI's customer-protection expectations.
By Tarun Kumar Singh
Operations & Best Practices - May 2, 2026 - 15 min read
Large industrial risks in India (oil refineries, power plants, airports, and nuclear facilities) that exceed any single insurer's capacity and are placed through co-insurance pools and lead-follow structures governed by IRDAI regulations, with specialised pools covering oil, aviation, terrorism, and nuclear liability.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 16 min read
Indian SME underwriting has long struggled with thin structured data: no audited financials, informal records, and limited credit history. Large language models are now extracting risk signals from GST returns, MCA filings, court records, and unstructured news to fill this gap, with IRDAI sandbox results beginning to validate the approach.
By Sarvada Editorial Team
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