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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 16, 2026
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1217 articles
Underwriting & Risk - July 20, 2026 - 9 min read
Two large fire claims cost a major insurer about Rs 63 crore in a single quarter, roughly one point of combined ratio. The number is a reminder that fire underwriting fails on severity, not frequency, and that the PML assumption behind every large risk is where the discipline actually lives.
By Tarun Kumar Singh
Market & Trends - July 20, 2026 - 6 min read
IRDAI's June 2026 intermediaries draft would make commission over Rs 10 crore public. This is a market-structure event, not just a compliance one: once the number is visible, it becomes benchmarking material clients and competitors negotiate against.
By Sarvada Editorial Team
Operations & Best Practices - July 20, 2026 - 10 min read
Your commission is business income, not salary, and that one fact changes your whole tax return: the ITR form you file, the expenses you can claim, why the presumptive schemes are closed to you, and why the 2 percent TDS the insurer took leaves you with an advance-tax bill. A plain-language guide for individual advisors, with the points to take to a CA.
By Tarun Kumar Singh
Operations & Best Practices - July 20, 2026 - 10 min read
When a claim is short-paid and a client says the broker should have advised differently, the case is won or lost on the file, not on memory. What a complete placement file contains: the quote comparison, the written recommendation, the client's instruction where it chose less cover, the wordings and exclusions flagged, the declinatures, and the timestamped advice trail.
By Tarun Kumar Singh
Regulation & Compliance - July 20, 2026 - 11 min read
Stamp duty on an insurance policy is small enough to ignore until an under-stamped policy meets a contested claim in court. Who bears it, why the rate on a policy of insurance is a national matter rather than a state one, where state lines actually bite, and the admissibility risk that makes the duty worth getting right.
By Tarun Kumar Singh
Regulation & Compliance - July 20, 2026 - 11 min read
IRDAI's June 2026 draft would replace the fixed-term surveyor licence with perpetual registration on an annual fee. The renewal cycle that quietly policed surveyor competence would disappear, and the burden of assessing who stays fit to survey shifts onto the insurers and brokers who empanel them.
By Tarun Kumar Singh
AI & Insurtech - July 19, 2026 - 11 min read
A broking firm's service mailbox mixes endorsement requests, claim intimations, quote requests and account queries in one queue, and the claim buried in it is a notice-condition failure waiting to happen. How LLM classification turns that queue into routed, timed work.
By Sarvada Editorial Team
Industry Risk Profiles - July 19, 2026 - 11 min read
An LPG bottling plant concentrates flammable gas under pressure in one boundary, so its defining loss is a BLEVE or vapour-cloud explosion, and its underwriting starts from PESO licensing and the pressure-vessel rules. A risk profile for brokers and plant risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 19, 2026 - 10 min read
In most liability claims the fight over legal costs matters more than the eventual damages. Whether defence spend erodes your indemnity, who appoints the lawyer, how costs are allocated on a mixed claim, and how the hammer clause works are decided in the wording, long before the claim arrives.
By Sarvada Editorial Team
Insurance Products - July 19, 2026 - 9 min read
A machinery breakdown policy pays to repair the failed machine, but not for the profit lost while the plant stands idle. Machinery Loss of Profits cover fills that gap, and fire-linked business interruption cannot, because a breakdown is not a fire peril.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 19, 2026 - 10 min read
A US, UK, or EU client contract often runs several pages of insurance requirements: professional indemnity limits in dollars, worldwide jurisdiction, additional-insured status, waiver of subrogation, and 30-day cancellation notice. This guide decodes those clauses and shows Indian vendors what their insurer will and will not deliver.
By Sarvada Editorial Team
Risk Management Strategies - July 19, 2026 - 9 min read
By the time a fire happens in a leased premises, who pays for what has already been decided, not by the insurance policy but by the lease signed years earlier. How commercial leases allocate insurance risk between landlord and tenant, and the gaps that surface when the allocation was never read.
By Tarun Kumar Singh
Underwriting & Risk - July 19, 2026 - 9 min read
A single Supreme Court judgment on the economic value of a homemaker's work moved a quarter of a large insurer's underwriting result. That is not an accident of one book, it is how long-tail motor third-party reserving works, and why fleet buyers should read a reserve top-up as a signal about their next renewal.
By Tarun Kumar Singh
Market & Trends - July 19, 2026 - 6 min read
IRDAI has confirmed two general insurance licences granted since the 100% FDI regime took effect, companies unnamed and ownership undisclosed. What is actually known, and a carrier-evaluation framework for placing business with a newly licensed insurer.
By Sarvada Editorial Team
Operations & Best Practices - July 19, 2026 - 9 min read
A commercial client rarely leaves at renewal. It decides to leave months earlier, and the renewal only records a decision already made. A quarterly retention process for broking firms: the leading indicators of a defecting account, the at-risk review meeting, loss-reason coding, and why you should measure retention by revenue rather than by count.
By Tarun Kumar Singh
Regulation & Compliance - July 19, 2026 - 11 min read
Whether the 18% GST on a commercial insurance premium is a cost or a wash depends entirely on input tax credit, and Section 17(5) makes that a policy-by-policy question. What is cleanly creditable, what is blocked, where employee health cover sits, and the filing mistakes that cost the credit anyway.
By Tarun Kumar Singh
Regulation & Compliance - July 19, 2026 - 10 min read
IRDAI's June 2026 registration exposure draft would lift the transferor approval threshold for insurer share transfers from 1% to 5% and retire the bespoke self-certification route for listed-insurer transfers between the two. What a stake sale now requires, and the questions that stay open until the regulation is notified.
By Tarun Kumar Singh
Industry Risk Profiles - July 18, 2026 - 11 min read
Rice mills and grain processors carry a dust-explosion and self-heating fire load, a stock value that swings with the procurement season, and custom-milling stock they hold for the government but do not own. A risk profile for brokers and mill risk managers.
By Sarvada Editorial Team
Claims & Loss Prevention - July 18, 2026 - 10 min read
A large fire or flood claim can take a year or more to settle, and a business that waits for the final cheque may not survive to receive it. On-account payments release cash against the surveyor's interim assessment, if the insured knows how to structure the request.
By Sarvada Editorial Team
Insurance Products - July 18, 2026 - 9 min read
The Industrial All Risks policy inverts the named-perils logic of a Standard Fire and Special Perils cover, but it is reserved for large risks and carries higher deductibles. Here is how an Indian plant owner should decide between the two.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 18, 2026 - 9 min read
A lending fintech is not a payment aggregator and not a neobank. It carries credit-adjacent fraud, RBI enforcement exposure, lending-service-provider liability, and FLDG structures on its balance sheet. This guide maps the crime, cyber, D&O, and professional-indemnity stack a digital lender actually needs.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 18, 2026 - 11 min read
When an Indian company and a foreign partner build an operating joint venture, the insurance question is not deal cover but who buys which policy for the living business. This guide maps procurement responsibility, cross-liability, global-programme alignment, and the clauses a JV agreement's insurance schedule must fix.
By Sarvada Editorial Team
Risk Management Strategies - July 18, 2026 - 9 min read
A soft market tempts buyers to lock today's low property rate for two or three years. Sometimes that is the right call and sometimes it is a rate lock in name only. A decision framework for tenure: where multi-year cover genuinely fits, what the insurer's reinsurance constraint does to the promise, and the clauses that decide whether the lock holds.
By Tarun Kumar Singh
Market & Trends - July 18, 2026 - 6 min read
The IRDAI chairman has confirmed Bima Sugam is behind schedule, with initial motor, health and term products now expected live by end-September 2026. What slipped from the earlier May marker, why the sequencing matters, and what a commercial broker should actually do with the extra runway.
By Sarvada Editorial Team
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