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August 23, 2026

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1277 articles

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Insurance Products - April 8, 2026 - 17 min read

Tax Liability Insurance for Indian M&A: Known Risk Cover, Contingent Liability, and Claim Mechanics

Tax liability insurance (TLI) has emerged as a distinct product alongside W&I for Indian M&A transactions. TLI covers specific tax positions and contingent tax exposures that W&I excludes. This guide explains the two TLI variants, Indian-specific triggers including GAAR, transfer pricing, and POEM, coverage components, pricing, and claim mechanics.

By Sarvada Editorial Team

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Claims & Loss Prevention - April 7, 2026 - 11 min read

Nat-Cat Claims Aggregation and Clash: How Multiple Perils in One Event Get Apportioned Under Indian Policies

When a monsoon cyclone brings flood, wind, and storm surge in the same 72 hours, Indian insurers and reinsurers fight over whether it is one event or three. Hours clauses, clash covers, and single-event aggregation rules decide whether you recover fully or hit limit after limit. This post unpacks the mechanics with reference to Kerala 2018, Chennai 2015, and Amphan 2020.

By Sarvada Editorial Team

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Industry Risk Profiles - April 7, 2026 - 5 min read

Plastics and Polymer Industry Insurance in India: Fire, Machinery, and Product Liability Risks

India's plastics and polymer processing industry, concentrated in clusters like Daman, Vapi, and the NCR region, faces distinct fire, machinery, and product liability exposures. From high-calorific-value polymer pellets and extruder fire hazards to food-contact plastic regulations and BIS toy-safety standards, underwriters must work through complex material science, regulatory compliance, and emerging waste management rules.

By Sarvada Editorial Team

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Market & Trends - April 6, 2026 - 15 min read

Foreign Reinsurer Entry into India After 100% FDI Liberalisation: Capacity, Pricing, and Strategic Positioning for 2026

How the Insurance Amendment Act 2025 and 100% FDI liberalisation are reshaping foreign reinsurer participation in India, covering Foreign Reinsurance Branch licensing, IFSCA and GIFT City overlap, the order-of-preference rule, capacity additions across property, engineering and specialty lines, and pricing implications for Indian corporate buyers at 2026 renewals.

By Sarvada Editorial Team

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Underwriting & Risk - April 6, 2026 - 13 min read

Group Health Policy Underwriting in India: Occupational Risk Assessment, Pre-Existing Conditions, and Claims Experience Pricing

How Indian group health underwriters actually price corporate risk: occupational hazard grading, pre-existing disease loadings, claims-experience renewal pricing, wellness data integration, and the practical impact of IRDAI's 2024 Master Circular on Health Insurance Business for mid-market employers.

By Tarun Kumar Singh

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Insurance Products - April 4, 2026 - 16 min read

Warranty and Indemnity Insurance in Indian Domestic M&A: Structuring, Exclusions, and Claim Experience

Warranty and indemnity (W&I) insurance is no longer reserved for cross-border transactions. Indian domestic M&A deals, particularly PE exits, family succession sales, and promoter buyouts, are increasingly using W&I to separate economic closure from warranty risk. This guide covers policy structuring, retention and de minimis thresholds, pricing, carrier appetite, and Indian claim experience.

By Sarvada Editorial Team

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Risk Management Strategies - April 3, 2026 - 18 min read

Parametric Insurance for Indian Supply Chains: Trigger Design for Port Congestion, Monsoon Disruption, and Logistics Risk

A practical guide to designing parametric triggers for Indian supply-chain disruption risk, covering port dwell time thresholds at JNPT and Mundra, monsoon rainfall indices, highway closure parametrics, fuel-price shock structures, basis risk mitigation, and the IRDAI sandbox and GIFT City IFSC reinsurance pathways that make these products viable for Indian manufacturers.

By Tarun Kumar Singh

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Regulation & Compliance - April 2, 2026 - 7 min read

Insurance Ombudsman Scheme 2017 for Commercial Policyholders: Jurisdiction, Complaint Categories, and the INR 50 Lakh Limit

IRDAI's Insurance Ombudsman Scheme 2017 (as amended 2021) provides a free, binding grievance mechanism for commercial policyholders up to INR 50 lakh. Understand the 17 ombudsman offices, territorial jurisdiction, complaint scope, and how this forum differs from Consumer Courts and arbitration.

By Tarun Kumar Singh

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