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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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August 23, 2026
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1277 articles
Regulation & Compliance - May 2, 2026 - 11 min read
IRDAI and government initiatives are reshaping MSME insurance coverage in India through simplified products, digital platforms, loan-linked mandates, and premium subsidies, but the gap between 63 million MSMEs and the fewer than 5% with adequate commercial cover remains vast.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 13 min read
Natural language processing is reshaping how Indian commercial insurers receive and process First Notice of Loss, extracting structured claim data from WhatsApp messages, emails, and call transcripts in seconds. This post examines how NLP works in practice across Indian non-life insurers and what IRDAI's claim intimation timelines mean for automation design.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 2, 2026 - 14 min read
Indian companies have invested over USD 75 billion across more than 50 African countries in telecom, pharma, manufacturing, and infrastructure, each exposure carrying expropriation, currency, and civil unrest risks that standard commercial insurance does not cover. This guide covers how ECGC, Lloyd's market PRI, World Bank MIGA, and GIFT City structures can protect Indian capital deployed across the continent.
By Tarun Kumar Singh
AI & Insurtech - May 2, 2026 - 15 min read
Indian commercial insurers and their manufacturing clients are deploying shared IoT sensor dashboards that feed live temperature, vibration, smoke, and CCTV analytics data to underwriters, risk managers, and claims teams simultaneously. Tata AIG and Bajaj Allianz have tied premium discounts of 8 to 15% to documented IoT compliance, with IRDAI's data-sharing framework providing the regulatory structure.
By Sarvada Editorial Team
AI & Insurtech - May 1, 2026 - 13 min read
Straight-through processing allows Indian insurers to approve and settle eligible commercial claims without human touch, subject to mandatory fraud gates and IRDAI's 30-day settlement mandate. Go Digit and Bajaj Allianz deployments have demonstrated STP rates of 25 to 40% on specific claim categories in 2025 and 2026.
By Sarvada Editorial Team
AI & Insurtech - May 1, 2026 - 14 min read
Predictive models that identify commercial policyholders at risk of non-renewal or switching are among the highest-ROI analytics investments available to Indian non-life insurers. This post examines the data signals, model architecture, intervention strategies, and regulatory constraints that shape churn prediction in Indian commercial lines.
By Sarvada Editorial Team
Industry Risk Profiles - May 1, 2026 - 10 min read
India's 3PL market, estimated at INR 2.1 lakh crore by 2025, carries complex liability exposures across warehousing, road transport, and last-mile delivery. This guide maps out the full insurance programme a 3PL provider needs and explains where coverage gaps most often arise.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 1, 2026 - 15 min read
Indian B2B SaaS founders negotiating enterprise contracts face mismatched insurance requirements: Fortune 500 clients demand USD 2–5 million Tech E&O limits while IRDAI-filed PI products are structured differently from the Lloyd's policies global procurement teams expect.
By Sarvada Editorial Team
Underwriting & Risk - May 1, 2026 - 13 min read
India's pharmaceutical sector presents underwriters with a technically demanding combination of solvent fire hazards, contamination exposure, global regulatory risk, and product recall liability. This post examines the analytical framework underwriters apply when pricing and structuring coverage for Indian pharma manufacturers.
By Sarvada Editorial Team
AI & Insurtech - May 1, 2026 - 15 min read
Black-box underwriting models create regulatory exposure under IRDAI's Information Security Guidelines 2023 and Section 45 of the Insurance Act. Explainable AI techniques such as SHAP and LIME are now implementation requirements, not optional enhancements, for Indian insurers deploying AI-driven underwriting.
By Sarvada Editorial Team
Market & Trends - April 30, 2026 - 13 min read
Commercial insurance distribution in India shifted noticeably in 2025, with brokers consolidating their share of mid-market and large-risk premium, digital platforms making inroads with micro-SMEs, and embedded insurance finding its first serious commercial applications in B2B software and trade finance. This post examines the data behind each channel and where the structural changes are likely to lead.
By Tarun Kumar Singh
Claims & Loss Prevention - April 30, 2026 - 17 min read
EPC projects in India generate some of the most contested insurance claims in the market, spanning physical damage under CAR policies, delay-related losses under DSU/ALOP cover, and disruption claims that require contemporaneous documentation and independent delay analysis to substantiate.
By Sarvada Editorial Team
Regulation & Compliance - April 30, 2026 - 15 min read
IRDAI's evolving cyber insurance framework, from product filing requirements to ransomware coverage constraints, data localisation rules, and the DPDP Act's interaction with policy response, translated into specific actions for Indian commercial insurance buyers.
By Tarun Kumar Singh
Insurance Products - April 30, 2026 - 15 min read
India's INR 5.9 lakh crore FMCG market faces a growing web of recall triggers from BIS, CDSCO, PESO, and the Consumer Protection Act 2019. Product recall insurance bridges the gap between regulatory withdrawal orders and the substantial first-party and third-party costs that follow.
By Sarvada Editorial Team
AI & Insurtech - April 30, 2026 - 5 min read
RegTech in Indian insurance has moved past slideware. KYC automation, sanctions screening, conduct surveillance, and IRDAI returns generation are now real-money decisions for compliance heads at every mid-sized insurer and broker.
By Tarun Kumar Singh
Risk Management Strategies - April 30, 2026 - 14 min read
Vendor indemnity clauses in Indian commercial agreements only work if the vendor carries real insurance. This guide examines how to draft enforceable insurance requirements, what Indian courts say about indemnity clauses under the Contract Act, and what buyers should do when a vendor's coverage lapses mid-contract.
By Tarun Kumar Singh
Operations & Best Practices - April 29, 2026 - 14 min read
When a major fire hits an Indian industrial facility, the quality of a risk manager's response in the first 72 hours determines how the claim settles months later. This guide covers immediate site actions, IRDAI surveyor timelines, documentation hierarchy, stock valuation disputes, and how to negotiate with surveyors and escalate to the IRDAI ombudsman.
By Sarvada Editorial Team
Industry Risk Profiles - April 29, 2026 - 10 min read
India is among the world's top five destinations for clinical trials, with over 250 trials registered annually under CDSCO oversight. This guide explains the mandatory insurance requirements, coverage structure, and premium benchmarks for sponsors, CROs, and investigator sites.
By Sarvada Editorial Team
Global & Cross-Border Insurance - April 29, 2026 - 13 min read
Indian multinationals expanding globally, and foreign multinationals operating in India, both run into the same regulatory wall: IRDAI's admitted insurance principle limits how insurance premiums can flow across borders, creating compliance gaps in globally coordinated Controlled Master Programmes. This guide explains the problem, the regulatory constraints under IRDAI and FEMA, and the practical workarounds used by major Indian conglomerates.
By Tarun Kumar Singh
Underwriting & Risk - April 29, 2026 - 11 min read
An underwriter's framework for assessing construction and infrastructure project risks in India, from site conditions and contractor standing to PML estimation, IRDAI survey requirements, and CAR/EAR pricing.
By Sarvada Editorial Team
Insurance Products - April 28, 2026 - 15 min read
Group Personal Accident insurance fills the gap between an employer's statutory Employees' Compensation Act obligations and the real-world risk of off-duty accidents affecting the workforce. This guide covers GPA policy design, capital sum insured benchmarks, occupational hazard categories, and the claims process for Indian corporate employers.
By Sarvada Editorial Team
Market & Trends - April 28, 2026 - 15 min read
India's commercial insurance market underwent a broad hardening in 2025, with fire and marine cargo premiums rising 15–35%, D&O and cyber terms tightening sharply, and reinsurance treaty capacity shrinking, leaving corporate buyers to absorb higher costs or restructure their programmes.
By Tarun Kumar Singh
Regulation & Compliance - April 28, 2026 - 13 min read
The IRDAI Expenses of Management Regulations 2024 replaced product-level expense caps with a single company-level composite limit — 30% of gross premium for general insurers and 35% for standalone health insurers — giving insurers flexibility to cross-subsidise across lines. Commercial buyers need to understand how this reshapes fire insurance pricing, broker commission dynamics, and the competitive incentives of non-life insurers.
By Tarun Kumar Singh
Operations & Best Practices - April 28, 2026 - 5 min read
Operational resilience has moved from a banking concept to an IRDAI expectation for insurance brokers, corporate agents, and TPAs. The framework is more demanding than business continuity but less prescriptive than regulators in the UK or Singapore.
By Tarun Kumar Singh
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