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October 8, 2026

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1513 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Underwriting & Risk - May 23, 2026 - 19 min read

Directors and Officers Underwriting for SEBI-Listed Companies in 2026: Sides A, B, C, ABL, IPO POSI

How Indian non-life insurers price and structure D&O cover for SEBI-listed entities in 2026: Side A, B, and C limits and triggers, Additional Side A Limit for non-executive directors, IPO Public Offering of Securities Insurance, exclusions, mid-cap and large-cap pricing benchmarks, and the exposure pattern from recent NCLT, NCLAT, and SEBI orders.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 23, 2026 - 16 min read

Employee Mobility and International Secondments: Insurance Stack for Indian Employers

Indian IT services firms, GCCs, EPC contractors, and pharma manufacturers send tens of thousands of employees abroad each year on assignments ranging from a 90-day client visit to a five-year secondment. The insurance stack supporting these movements is fragmented across health, group personal accident, employers' liability, business travel, and kidnap-and-ransom layers, with several common failure points that brokers and HR teams routinely miss.

By Sarvada Editorial Team

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Industry Risk Profiles - May 22, 2026 - 20 min read

Electric Bus Fleet Operator Risk Profile India 2026: PM-eBus Sewa, CESL Tenders, and Depot Fire Exposure

India's electric bus rollout has accelerated through PM-eBus Sewa and CESL aggregated tenders, with operators deploying buses on Gross Cost Contract terms across state transport undertakings. This profile walks through the full insurance stack: motor third-party and own damage, depot property and business interruption, battery thermal exposure, workers' compensation, and cyber, with indicative per-bus premium ranges.

By Sarvada Editorial Team

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Risk Management Strategies - May 22, 2026 - 23 min read

Drafting a Risk Appetite Statement for Mid-Cap Indian Corporates 2026: Insurance, Retention, and Board Sign-Off

The risk appetite statement is the document that translates board-level tolerance into operational risk and insurance decisions. The 2026 best practice for Indian mid-cap corporates uses ISO 31000 and COSO ERM frameworks, qualitative and quantitative thresholds calibrated to balance sheet, retention versus transfer mapping, and SEBI LODR Regulation 4(2)(f) board sign-off.

By Tarun Kumar Singh

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AI & Insurtech - May 22, 2026 - 21 min read

Predictive Fleet Telematics for Commercial Motor Insurance India 2026: From Pricing Signals to Loss Prevention

How commercial fleet telematics is reshaping motor insurance in India through 2026: LCV, HCV, and taxi-aggregator adoption, IRDAI PAYD and PHYD circulars, pricing-signal feature engineering, driver coaching ROI, claims frequency reduction, and the vendor stack across CarIQ, Trinetra, LogiNext, Locuz, and insurer-built platforms.

By Sarvada Editorial Team

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Operations & Best Practices - May 22, 2026 - 19 min read

Mid-Term Policy Cancellation Workflow for Indian Commercial Brokers 2026: Refund Calculation, Conditions, and Audit

A working operations guide for Indian commercial brokers on mid-term policy cancellation in 2026: short-period scale versus pro-rata refunds, GST refund treatment, IRDAI cancellation circulars, broker commission claw-back, written client instruction protocols, refund routing with TDS, endorsement issuance discipline, and the common dispute points that surface in audit.

By Tarun Kumar Singh

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Market & Trends - May 22, 2026 - 18 min read

Retail Insurance Broker Margin Compression India 2026: EOM Reforms, Commission Caps, and Survival Strategies

How IRDAI's EOM Regulations 2024 and successor commission caps are compressing retail broker margins through 2026, what the fall from historical 22 to 28 percent retail commission rates to 14 to 18 percent realised yields means for broker firms, and the fee-based, technology-driven, and consolidation responses that distinguish survivors.

By Sarvada Editorial Team

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Insurance for Startups & New Economy - May 22, 2026 - 20 min read

EV Charging Network Operator Insurance India 2026: Public Liability, Asset Damage, and Grid-Tie Risks

Indian EV charging network operators including Tata Power EZ Charge, Statiq, ChargeZone, Glida, and the oil-marketing-company networks face distinctive insurance exposures from DC fast charger fires, electrocution liability, grid-tie surge events, and OCPP-connected cyber risk. This post maps the 2026 cover stack with INR pricing benchmarks.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 22, 2026 - 17 min read

Global Product Recall Insurance for Indian Exporters: 2026 Coverage, Triggers, and Cross-Border Claim Coordination

Indian pharmaceutical, food, auto-component, and electronics exporters now face recall exposure across multiple regulators including FDA, EFSA, CPSC, Health Canada, MHRA and FSSAI domestically. Recall insurance written in India, the Lloyd's syndicates, and the Bermuda market each treat triggers, first-party costs, and third-party consequences differently. Programme design in 2026 requires a layered structure that maps recall triggers to regulatory jurisdictions, separates first-party recall costs from third-party liability, and uses GIFT City IFSCA reinsurance to keep meaningful capacity within Indian programme coordination.

By Sarvada Editorial Team

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Insurance Products - May 22, 2026 - 18 min read

Trade Credit Insurance for Indian MSME Exporters and Domestic Suppliers: 2026 Product Map

Trade credit cover has moved from ECGC-dominated to a genuinely mixed market for Indian MSME exporters and domestic suppliers. The 2026 product map spans ECGC Whole Turnover, Shipment, and Buyer-wise covers, private market placements with Atradius, Coface, ICICI Lombard, and TATA AIG, premium benchmarks by country risk band, and the Red Sea disruption claims experience.

By Sarvada Editorial Team

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Claims & Loss Prevention - May 22, 2026 - 22 min read

Business Interruption Claim Quantification in India: 2026 Practitioner Guide

A practitioner's guide to business interruption loss adjustment under the standard Indian fire wording, covering indemnity period selection, gross profit versus net profit basis, ICAI forensic accounting standards, but-for methodology, increased cost of working sub-limits, and the broker checklist when a forensic accountant is brought in.

By Sarvada Editorial Team

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Regulation & Compliance - May 22, 2026 - 16 min read

DPDP Act 2023 for Insurance Brokers: Data Fiduciary Obligations in 2026

The Digital Personal Data Protection Act 2023 reshapes how Indian insurance brokers collect, process, store, and share personal data. With the DPDP Rules notified in November 2025 on a phased 12-to-18-month rollout (full enforcement and penalties by mid-2027) and Data Protection Board penalties of up to INR 250 crore in play, brokers must move now to operate as data fiduciaries with documented compliance.

By Sarvada Editorial Team

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Underwriting & Risk - May 22, 2026 - 19 min read

Machinery Breakdown Underwriting for Process Industries: Cement, Steel, Paper, and Petrochemical in 2026

How Indian non-life insurers price machinery breakdown for process industries in 2026: sum-insured methodology, deductible architecture for turbines, kilns, presses and reactors, time-element versus amount deductibles for downtime, IIB loss-cost benchmarks, and the policy wording moves that follow the 2023 to 2025 cement and steel loss cycle.

By Sarvada Editorial Team

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Global & Cross-Border Insurance - May 22, 2026 - 14 min read

Supply Chain Finance Insurance for Indian Exporters: 2026 Coverage Map

Indian exporters increasingly fund working capital through reverse factoring, dynamic discounting, and platform-based supply chain finance. The insurance architecture protecting these flows sits at the intersection of trade credit, surety, and political risk markets, and the 2026 capacity map looks materially different from what most exporters last reviewed.

By Sarvada Editorial Team

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Insurance Products - May 21, 2026 - 18 min read

Transit-cum-Storage and Warehouse Open Cover India 2026: Product Design for Multi-Modal Logistics

Combined transit and storage products bridge the gap between marine cargo policies and warehouse fire cover, addressing the practical reality that goods sit in third-party warehouses, intermediate transit sheds, and consolidation points for days or weeks between movements. The 2026 Indian product design has evolved to address multi-modal handovers, NSEL-pattern third-party warehouse failures, and the GST-warehouse documentation chain.

By Sarvada Editorial Team

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Operations & Best Practices - May 21, 2026 - 19 min read

Risk Manager Dashboard Design for Indian Corporates 2026: KRIs, Insurance Programme Visibility, and Board Reporting

A working design guide for risk manager dashboards in Indian mid-cap and large-cap corporates in 2026: the key risk indicators to surface, the insurance programme visibility a board actually needs, the tooling choices (Archer, ServiceNow GRC, Tableau, Power BI), and the integration paths into broker portals, IRDAI and SEBI disclosure timelines, and IFRS 17 corporate-side mirror reporting.

By Tarun Kumar Singh

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