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October 8, 2026

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1513 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Insurance for Startups & New Economy - June 1, 2026 - 13 min read

Launch Vehicle Third-Party Liability Insurance in India 2026: Outer Space Treaty, IN-SPACe Indemnity and the Liability Cap

Third-party liability is the binding regulatory constraint for Indian launch vehicle operators in 2026. This is a deep dive into the Outer Space Treaty and Liability Convention chain, India's state-recourse and indemnity structure, IN-SPACe authorisation limits, and how the liability layer is actually placed.

By Sarvada Editorial Team

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Market & Trends - June 1, 2026 - 15 min read

Reinsurance Minimum Commission and 50:50 Profit-Commission Framework FY2026-27: Commercial Economics

IRDAI's FY2026-27 obligatory cession order keeps the 4% cession to GIC Re, prescribes minimum reinsurance commissions ranging from 5% to 15% by class, and retains a 50:50 profit-commission mechanism. This post unpacks the economics for cedants and commercial lines, and what it means for capacity, pricing and programme design.

By Sarvada Editorial Team

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AI & Insurtech - May 31, 2026 - 28 min read

AI Loss-Run Analytics for Indian Mid-Market Renewals 2026: Pattern Detection, Pricing Triggers and Broker Workflow

AI-driven loss-run analytics are reshaping how Indian brokers and mid-market insureds approach FY2025-26 renewals. Pattern detection on three to five year loss histories, pricing trigger flags and structured insurer negotiation are producing measurable premium and coverage outcomes beyond traditional spreadsheet review.

By Sarvada Editorial Team

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Regulation & Compliance - May 31, 2026 - 14 min read

IRDAI Effort-Based Commission Consultation 2026: High-Touch vs Low-Touch Distribution for Commercial Brokers

IRDAI is reviewing commission rules to differentiate high-touch advisory distribution from lower-touch digital and bancassurance models, with a consultation paper expected around end-May 2026. This post explains the effort-based rationale, its interaction with the EoM framework, and what it means for commercial broker remuneration, advisory economics and disclosure.

By Sarvada Editorial Team

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Insurance Products - May 31, 2026 - 28 min read

Trade Credit Insurance for Indian SaaS Receivables 2026: ARR Protection, Customer Concentration and Buyer Default Cover

Indian SaaS firms with global enterprise customer bases face material receivables risk on annual subscription billing and multi-year deal structures. This 2026 deep-dive maps trade credit insurance mechanics, the IRDAI (Trade Credit Insurance) Guidelines, 2021, ARR-anchored programme design and pricing anchors for SaaS finance teams.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 31, 2026 - 16 min read

US Reciprocal Tariffs 2026: Trade Credit and Marine Cargo Exposure for Indian Exporters

After a sharp 2025 escalation that pushed US tariffs on Indian goods to 50%, a February 2026 bilateral deal reset the reciprocal rate at 18%, with pharmaceuticals exempt and steel and aluminium still at 25%. This post examines the insurance consequences: buyer-default and order-cancellation risk for trade credit cover, marine cargo implications from rerouting and demand shifts, and the ECGC versus commercial cover choice.

By Sarvada Editorial Team

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Market & Trends - May 30, 2026 - 14 min read

100% FDI for Insurance Intermediaries 2026: Foreign Brokerage Entry and the Mid-Market Broking Shake-Up

From 5 February 2026, India permits 100% foreign ownership of insurance intermediaries, including brokers and reinsurance brokers, under the automatic route. This post examines what full foreign control means for the structure of Indian broking, the wave of M&A targeting mid-market firms, and the capital and talent pressures reshaping the competition.

By Sarvada Editorial Team

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AI & Insurtech - May 30, 2026 - 14 min read

Agentic AI in Enterprise Operations 2026: Liability and Insurance Gaps for Indian Corporates

Indian enterprises are handing autonomous AI agents real authority over payments, procurement, customer service, and operations. When an agent errs and causes financial or third-party loss, liability and insurance gaps open across professional indemnity, tech liability, cyber, product liability, and D&O. This guide maps the gaps and how corporates should structure cover and contracts.

By Sarvada Editorial Team

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AI & Insurtech - May 30, 2026 - 25 min read

Generative AI for Commercial Risk Survey Report Generation in India 2026: From Site Walk-Through to Underwriting Submission

Generative AI is collapsing the timeline from site survey to underwriting submission for Indian commercial risks. Surveyors, brokers and insurers are deploying LLMs and vision models on site visit data, with measurable gains in turnaround, consistency and IIISLA-aligned compliance, alongside new governance questions.

By Sarvada Editorial Team

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Underwriting & Risk - May 30, 2026 - 22 min read

Green Hydrogen Storage Tank Underwriting in India 2026: Embrittlement, Permeation Risk and Property Programme Design

Indian green hydrogen projects under the National Green Hydrogen Mission are now hitting the storage scale at which hydrogen embrittlement, permeation and BLEVE exposures dominate property underwriting. Insurers, PNGRB, OISD and BIS frameworks are still catching up, and broker programme design is the differentiator.

By Sarvada Editorial Team

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Insurance Products - May 30, 2026 - 29 min read

Kidnap, Ransom and Extortion Cover for Indian Corporates 2026: Expatriate Travel, LWE Districts and Crisis Response Programmes

Kidnap and ransom exposure for Indian corporates in 2026 spans expatriate deployments in Africa and the Middle East, domestic LWE-affected districts, and rising virtual kidnap and cyber extortion. Specialty K&R programmes from AIG, Hiscox, Beazley and Lloyd's combine crisis response from Control Risks and Olive Group with structured ransom indemnity.

By Sarvada Editorial Team

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Regulation & Compliance - May 30, 2026 - 21 min read

MCA Board Resolution Rules for Insurance Purchase at Listed Indian Companies 2026: Section 179 and Disclosure

Insurance procurement at listed Indian companies has moved onto the board agenda in 2026, driven by Section 179 board governance, audit committee and risk management committee oversight, related-party rules where the insurer or broker is connected, and the SEBI mandate for directors and officers cover.

By Sarvada Editorial Team

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Industry Risk Profiles - May 30, 2026 - 26 min read

Indian Pharmaceutical CRO Risk Profile 2026: Clinical Trial Liability, Product Liability and IP Exposure for Contract Research Organisations

Indian CROs serving global pharma sponsors face a layered exposure stack covering clinical trial liability under New Drugs and Clinical Trials Rules 2019, product liability transferred from sponsor contracts, professional indemnity and intellectual property risk. This 2026 deep-dive maps insurer panel, CDSCO compliance and programme design for Syngene, Aragen, Sai Life, Veeda and Lambda grade CROs.

By Sarvada Editorial Team

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Claims & Loss Prevention - May 29, 2026 - 25 min read

Cyber Incident Multi-Policy Claim Coordination for Indian Corporates 2026: Cyber, D&O, Crime, BI and PI Interaction

A single cyber incident at an Indian corporate now triggers claim notifications across cyber, D&O, crime, business interruption and professional indemnity policies. Coordinating these claims through CERT-In reporting timelines, DPDP Act exposure and IRDAI cyber wordings is the new claims discipline for FY2026-27.

By Sarvada Editorial Team

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Market & Trends - May 29, 2026 - 14 min read

Cyber Insurance Capacity and Pricing Outlook 2026: India's Read as the Global Cyber Market Doubles by 2030

Munich Re puts the global cyber insurance market near USD 16.3 billion in 2025 and projects it to roughly double to around USD 32.4 billion by 2030. This guide translates that global trajectory into a practical 2026 read for Indian corporate buyers and their brokers: capacity availability, pricing direction, the demand drivers including the DPDP penalty regime, and how to position cyber placements.

By Sarvada Editorial Team

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Market & Trends - May 29, 2026 - 16 min read

GIFT City IFSC Insurance Premium Growth Through 2026: Buyer Implications for Indian Commercial Risks

GIFT City IFSC premium has grown materially through FY2025-26 as IBU and IIO capacity expands and USD-denominated cover becomes routine. This is a buyer-side guide to placing large commercial risk at GIFT City: the IBU versus IIO distinction, the FEMA and currency interface, where GIFT City fits IRDAI's cession order, and which lines suit the route.

By Sarvada Editorial Team

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