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October 8, 2026
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1513 articles
Insurance for Startups & New Economy - May 27, 2026 - 12 min read
Indian drone delivery operators face structured liability exposure under DGCA Drone Rules 2021 as amended through 2025, with third-party liability sums by weight class, hull cover, payload liability, and 2026 premium benchmarks from ICICI Lombard, TATA AIG, and Bajaj Allianz.
By Sarvada Editorial Team
Underwriting & Risk - May 27, 2026 - 18 min read
How Indian non-life insurers are managing monsoon flood aggregation in their Mumbai and Chennai commercial portfolios for the 2026 season: zone-level accumulation modelling, the Mithi River and Adyar exposure, contingent BI from sea-water ingress, treaty reinsurance flood sub-limits, and the parametric overlays being placed for the worst-exposed corridors.
By Sarvada Editorial Team
Industry Risk Profiles - May 27, 2026 - 17 min read
The Indian specialty chemicals clusters at Dahej, Tarapur, Ankleshwar, and Visakhapatnam carry concentrated fire exposure that has produced material claim experience in 2024-2025. The IIB fire claim data, aggregation exposure on insurer portfolios, the consent-to-operate impact after claims, fire-warranty compliance audits, and the broker role in risk-engineering surveys all shape the 2026 placement environment.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 27, 2026 - 18 min read
Indian agri-drone services startups operate precision spraying, crop scouting, and mapping at scale, with DGCA Drone Rules 2021 (amended through 2025) shaping compliance. The 2026 insurance stack across hull, third-party liability, payload-chemical liability, and operator-pilot WC has matured but coverage gaps persist.
By Sarvada Editorial Team
Operations & Best Practices - May 27, 2026 - 21 min read
A playbook for managing broker commission disclosure and reconciliation in Indian commercial insurance, covering IRDAI Payment of Commission Regulations 2023, EOM cap interactions, client remuneration disclosure, premium-to-commission reconciliation, GST treatment, common clawback discrepancies, and monthly close discipline.
By Sarvada Editorial Team
Risk Management Strategies - May 27, 2026 - 21 min read
How Indian corporates measure and mitigate supplier concentration risk in 2026: Herfindahl index and top-3 dependency metrics, contingent BI cover design for named and unnamed suppliers, supplier financial-health monitoring, dual-sourcing economics, the semiconductor and API import-dependency exposures, and the post-COVID supplier audit framework now operating across mid-market and large-cap corporates.
By Sarvada Editorial Team
Insurance Products - May 27, 2026 - 17 min read
The Indian Market Terrorism Risk Insurance Pool has been the default vehicle for terrorism cover on Indian commercial property risks for over two decades. The 2026 market offers commercial buyers a refreshed menu of cover options, pricing tiers, and add-on extensions that brokers and risk managers should evaluate against current threat profiles and balance sheet exposure.
By Sarvada Editorial Team
Regulation & Compliance - May 26, 2026 - 19 min read
Listed Indian companies face overlapping disclosure obligations on insurance: Section 135 CSR categorisation, Schedule III line items, Regulation 34 board report linkage, and BRSR risk-management entries. This guide unpacks the prepaid-vs-expense treatment, auditor work programme expectations under SA 580, and the common observations MCA inspectors raise in 2026 reviews.
By Tarun Kumar Singh
Regulation & Compliance - May 26, 2026 - 22 min read
Industry expectation is building that IRDAI will revisit broker net-worth requirements, which under the 2018 Regulations stand at INR 50 lakh for direct brokers, INR 2 crore for reinsurance brokers, and INR 2.5 crore for composite brokers (the related minimum paid-up capital floors are INR 75 lakh, INR 4 crore, and INR 5 crore respectively). This post sets out the current baselines, why a recalibration is widely anticipated, the capital-raising options brokers should weigh, the MSME-broker survival question, and how to prepare a compliance workflow without assuming thresholds that have not yet been notified.
By Tarun Kumar Singh
Risk Management Strategies - May 26, 2026 - 23 min read
How corporates in Andhra Pradesh, Odisha, and Tamil Nadu are aligning insurance programmes with cyclone-season business continuity in 2026: IMD Bay of Bengal forecasts, exposure mapping, BCM ISO 22301 alignment, pre-event playbooks for shutdown, inventory relocation, and payroll, with insurance triggers across BI, contingent BI, marine accumulation, and lessons from Fani, Yaas, and Mocha.
By Tarun Kumar Singh
Underwriting & Risk - May 26, 2026 - 21 min read
How Indian non-life insurers underwrite operational-phase wind farms in 2026 across 50-plus GW of installed capacity: blade failure trends from LM, Suzlon, Siemens Gamesa, and other OEMs, gearbox losses and lightning strikes, cyclone exposure in Tamil Nadu, Andhra Pradesh, Odisha, and Gujarat, IRDAI parametric overlap, MERC and CERC tariff impact on BI, repair logistics for European-origin cranes, and Indian insurer wordings versus Munich Re wordings.
By Sarvada Editorial Team
Operations & Best Practices - May 26, 2026 - 20 min read
Operating guidance for allocating insurance premium across multiple locations and cost centres of Indian corporates, covering sum-insured-based, claims-experience-based, and headcount-based methods, GST input credit considerations, IT Act recharge implications, captive cell allocation, audit trail expectations, and the transfer pricing overlay for cross-border subsidiaries.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 26, 2026 - 19 min read
Indian D2C brands across beauty, packaged food, and apparel face Consumer Protection Act 2019 class-action exposure, FSSAI, BIS and CDSCO compliance interaction with product-liability cover, and marketplace indemnity flow-through. This post maps the 2026 cover stack.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 26, 2026 - 20 min read
Indian corporates send a large population of staff on overseas assignments and host inbound foreign nationals in India. This piece sets out 2026 medical evacuation programme design: coordinating Group Medical and Group Personal Accident covers with international medical insurance, structuring evacuation services across global and India-based providers, handling pre-existing conditions, and checking the residual COVID legacy clauses still active in some policy wordings.
By Sarvada Editorial Team
Operations & Best Practices - May 26, 2026 - 14 min read
A benchmark guide to policy-issuance turnaround time across Indian commercial insurers in 2026, covering quote-to-cover stages, quartile ranges by line of business, root causes of delay, and how brokers should pressure-test insurer claims of speed.
By Tarun Kumar Singh
Market & Trends - May 26, 2026 - 15 min read
How brokerage and commission pressure is reshaping Indian commercial distribution economics in 2026, with IRDAI expenses of management caps, buyer transparency demands, and operating model implications for brokers facing structural margin compression.
By Sarvada Editorial Team
AI & Insurtech - May 26, 2026 - 13 min read
A working map of the AI copilot category for Indian commercial brokers in 2026: where copilots add real value, where they fail, and how to evaluate vendors against the renewal, claims, and client servicing workflows that actually consume broker time.
By Tarun Kumar Singh
Market & Trends - May 26, 2026 - 9 min read
How private-equity-backed broker rollups are reshaping the Indian mid-market broker pipeline in 2026: the move to 100% insurance FDI, IRDAI fit-and-proper expectations, EBITDA versus revenue multiples, technology platforms as M&A drivers, and lessons from NFP, Hub, and IMA.
By Sarvada Editorial Team
Industry Risk Profiles - May 26, 2026 - 19 min read
An industry risk profile of India's first wave of green ammonia plant construction projects. Covers the Haber-Bosch synthesis loop hazards, storage tank exposures, Adani Mundra and ACME Bikaner architectures, port export logistics, EAR placement structures, and the 2026 insurance pricing environment for the segment.
By Sarvada Editorial Team
Industry Risk Profiles - May 26, 2026 - 19 min read
Indian solar rooftop EPC contractors face a layered risk profile spanning working-at-height fatalities, CAR and EAR exposures for installations, product-liability pass-through on inverters and modules, and the operational fire risk from poor DC-side workmanship. The PM Surya Ghar scheme has accelerated installer volume with insurance implications.
By Sarvada Editorial Team
Risk Management Strategies - May 26, 2026 - 19 min read
A pre-monsoon BCP refresh framework for corporate India ahead of the 2026 southwest monsoon: dependency mapping for single-source suppliers and single-site operations, alternate-site arrangements, IMD seasonal forecast integration, 2024 Wayanad and Chennai shutdown lessons, BI cover alignment, and the broker role in BCP-driven insurance design.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 26, 2026 - 16 min read
GIFT City has commanded most of the recent attention on Indian captive insurance, but Bermuda and Singapore continue to host meaningful captive activity from Indian corporates with global risk profiles. The 2026 playbook covers when offshore domiciles still make sense, what the regulatory and tax considerations look like, and how Indian corporates evaluate the trade-offs against the IFSCA framework.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 26, 2026 - 17 min read
Indian outbound M&A has accelerated across Europe, North America, and Asia, and warranty and indemnity insurance is now a standard feature of these transactions. This is the 2026 guide to capacity, pricing benchmarks, retention structures, and FEMA premium mechanics brokers should master.
By Sarvada Editorial Team
Operations & Best Practices - May 26, 2026 - 23 min read
A playbook for managing wording libraries inside an Indian commercial insurance broker firm, covering IIB standard wordings versus insurer-specific variations, tracking exclusion drift across renewals, diff tooling for comparison memos, change-log discipline, audit trail for IRDAI inspections, and worked examples from cyber and D&O wordings.
By Sarvada Editorial Team
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