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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
Market & Trends - March 31, 2026 - 9 min read
D2C platforms like Policybazaar B2B, SecureNow, and Turtlemint SME are reshaping SME insurance distribution in India. Bima Sugam's rollout and IRDAI standard products create new opportunities, but broker disintermediation risks and servicing gaps remain.
By Sarvada Editorial Team
Claims & Loss Prevention - March 31, 2026 - 9 min read
Work through D&O claims in India. Understand Side A (non-indemnifiable to directors), Side B (company reimbursement), Side C (securities claims), SEBI investigations, MCA prosecutions, and advance defence cost provisions.
By Sarvada Editorial Team
Claims & Loss Prevention - March 30, 2026 - 11 min read
When an insurer repudiates a legitimate commercial claim, Indian policyholders have stronger legal tools than most realise. This playbook walks through the five most common denial grounds, the defences available against each, and the tiered escalation path from internal grievance to Ombudsman, Consumer Forum, arbitration, and civil suit, including the evolving jurisprudence on bad-faith insurer conduct.
By Sarvada Editorial Team
Insurance Products - March 30, 2026 - 15 min read
How management liability policies extend beyond traditional D&O to cover employment practices liability, statutory prosecution defense, and director disqualification costs for Indian mid-market companies in the INR 100 crore to INR 5,000 crore turnover band.
By Sarvada Editorial Team
Claims & Loss Prevention - March 30, 2026 - 9 min read
A practical guide to professional indemnity claims in India. Understand claims-made vs occurrence triggers, notification deadlines under Section 64UM, and defence cost structures for auditors, consultants, and IT services.
By Sarvada Editorial Team
Claims & Loss Prevention - March 29, 2026 - 8 min read
Electronic Equipment Insurance (EEI) claims under Indian policies: scope vs fire/burglary, data restoration costs, external media sub-limits, and common exclusions affecting servers, medical devices, and surveillance systems.
By Sarvada Editorial Team
Risk Management Strategies - March 29, 2026 - 9 min read
A guide to fronting structures for Indian captive insurance, covering why fronting is essential for offshore captives (Dubai DIFC, Singapore, Bermuda), IFSCA GIFT City captive regulations, selection of Indian admitted fronting insurers, fronting fees, collateral arrangements, and claim handling protocols.
By Tarun Kumar Singh
Insurance for Startups & New Economy - March 29, 2026 - 19 min read
Online gaming and esports platforms in India, Dream11, MPL, Games24x7, Nodwin, JetSynthesys,face cyber risk from DPDP Act compliance, IP liability from streamed content and player contracts, regulatory risk from state gaming bans and GST Council 28% rules, and D&O exposure. This guide covers the insurance market.
By Sarvada Editorial Team
Risk Management Strategies - March 28, 2026 - 10 min read
What CROs and CFOs must report to audit and risk committees on insurance. Coverage adequacy gaps, top 10 risks mapped to policy responses, residual risk quantification, TCOR trends, and compliance with Companies Act Section 177 and SEBI LODR Regulation 21.
By Tarun Kumar Singh
Market & Trends - March 28, 2026 - 9 min read
Indian insurance brokers are consolidating rapidly. Recent M&A deals, 100% FDI entry of global brokers, and IRDAI's composite licence framework are reshaping the broker market. Registration renewals and EOM regulations add compliance pressure.
By Sarvada Editorial Team
Regulation & Compliance - March 28, 2026 - 14 min read
An analysis of the Motor Vehicles (Amendment) Act 2019 and its 2021 enforcement, covering enhanced penalties, the hit-and-run compensation scheme, MACT exposure under Sections 163A and 166, telematics compliance, e-challan linkage, and third-party insurance implications for commercial fleet operators.
By Tarun Kumar Singh
Global & Cross-Border Insurance - March 27, 2026 - 8 min read
Compare ECGC and commercial trade credit insurers (Atradius, Coface, Euler Hermes, ICICI Lombard, Tata AIG) on scope, pricing, claim experience, and when to choose each for MSMEs and large exporters.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 27, 2026 - 12 min read
Insurance guidance for EV charging station operators covering DC fast-charger fire and thermal risks, electrical faults, BIS standards compliance, charger product liability, property damage at charging sites, and third-party liability from vehicle battery incidents.
By Sarvada Editorial Team
Industry Risk Profiles - March 27, 2026 - 9 min read
Critical insurance gaps in Indian FMCG distribution networks spanning mother depots, CFAs, wholesalers, and retail points, including depot fire, in-transit spoilage, SKU concentration risk, and contamination recall liability.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 26, 2026 - 16 min read
Indian agritech startups like DeHaat, Ninjacart, and AgroStar face advisory liability for crop recommendations, farmer data exposure under the DPDP Act, and equipment liability from drones and IoT sensors. This guide covers the insurance market for agritech operations.
By Sarvada Editorial Team
Industry Risk Profiles - March 26, 2026 - 9 min read
Insurance for Indian airport operators, ground handlers, and cargo terminals covering fire, third-party liability, and operational risks at concession-managed facilities.
By Sarvada Editorial Team
Regulation & Compliance - March 26, 2026 - 17 min read
A detailed operational guide to Bima Sugam, IRDAI's unified digital insurance marketplace, covering insurer onboarding, broker and agent integration, policy filing workflows, one-click claims initiation through DigiLocker, DPDPA 2023 data privacy obligations, and implementation timelines for mid-sized Indian insurers preparing for the commercial-lines phase.
By Tarun Kumar Singh
Underwriting & Risk - March 25, 2026 - 13 min read
The practical mechanics of underwriting commercial insurance for India's 6+ crore MSMEs, many operating partly or fully informal: bank statement analytics, Udyam registration checks, Account Aggregator data, surveyor cash-counter inspections, and pricing adjustments that work without audited financials.
By Tarun Kumar Singh
Industry Risk Profiles - March 25, 2026 - 6 min read
India's 700+ sugar mills, concentrated in Uttar Pradesh, Maharashtra, and Karnataka, face seasonal crushing peaks (October-April) with acute fire risk from bagasse (sugarcane fiber) piles, boiler explosions in aging steam-generation equipment, and molasses storage collapse. Co-operative vs. Private-mill insurance patterns differ sharply; contingent business-interruption for cane-price arrears is increasingly critical.
By Sarvada Editorial Team
Claims & Loss Prevention - March 25, 2026 - 10 min read
Guide to terrorism claims under the Indian Market Terrorism Risk Insurance Pool (IMTRIP) run by GIC Re. Coverage scope, policyholder evidence, retention limits, and exclusions.
By Sarvada Editorial Team
Claims & Loss Prevention - March 24, 2026 - 8 min read
Boiler explosion claims under Indian Boiler Regulations 1950, IBR certification, Section 64UM surveyor appointment, and how Boiler & Pressure Plant (BPP) and Machinery Breakdown (MB) policies differ in practice.
By Sarvada Editorial Team
Regulation & Compliance - March 24, 2026 - 8 min read
When an insured enters insolvency under the IBC 2016, claim filing, subrogation recovery rank, and D&O coverage change materially. Learn about Form B, Section 53 waterfall, NCLT moratorium effects, and coverage during pre-CIRP and post-CIRP periods.
By Tarun Kumar Singh
Claims & Loss Prevention - March 24, 2026 - 9 min read
Machinery Loss of Profit (MLOP) claims in India: waiting periods, indemnity period structure, difference from Advance Loss of Profit (ALOP) under EAR policies, and specific claim issues in steel, cement, and power sectors.
By Sarvada Editorial Team
Claims & Loss Prevention - March 23, 2026 - 9 min read
Understand arbitration in Indian insurance disputes. When arbitration clauses bind, Supreme Court rulings on coverage disputes, Insurance Ombudsman jurisdiction (INR 50 lakh), and alternatives under the Consumer Protection Act 2019.
By Sarvada Editorial Team
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