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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
Insurance for Startups & New Economy - March 23, 2026 - 12 min read
Insurance framework for BESS startups covering lithium-ion thermal runaway hazards, CEA and CERC safety norms, cargo insurance for cell imports, EAR/CAR installation coverage, operational and maintenance liability, and alignment with National BESS Policy and PLI-ACC scheme.
By Sarvada Editorial Team
Claims & Loss Prevention - March 23, 2026 - 13 min read
Understanding stock throughput (STP) policies in India. How STP policies unify marine cargo and storage coverage to eliminate port and warehouse gaps. Concurrent causation, floating sum insured, and claim scenarios.
By Sarvada Editorial Team
Regulation & Compliance - March 22, 2026 - 5 min read
PESO (Petroleum and Explosives Safety Organisation) under DPIIT regulates licensing of petroleum storage, explosives manufacturing, and related hazardous operations. Insurance conditions tied to PESO licenses directly impact coverage scope and claim liability.
By Tarun Kumar Singh
Market & Trends - March 22, 2026 - 4 min read
Four PSU general insurers dominate government accounts and large property risks. Private insurers lead in commercial lines margins. Solvency ratios, claims settlement speeds, and specialisation increasingly determine policy placement for Indian commercial buyers.
By Sarvada Editorial Team
Regulation & Compliance - March 22, 2026 - 8 min read
SEBI Listing Obligations and Disclosure Requirements Regulation 30 materiality thresholds for insurance claims, denials, and recovery actions. When listed companies must disclose to stock exchanges and insider trading implications.
By Tarun Kumar Singh
Industry Risk Profiles - March 21, 2026 - 7 min read
Indian glass manufacturers face critical losses from furnace failures (glass-tank lifespan 10-15 years), cullet breakage, automotive safety-glass defects (IS 2553), and energy-cost volatility. Engineering insurance and product-liability coverage are essential for Saint-Gobain, Asahi, HNG, Borosil, and Tier-2 producers.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 21, 2026 - 9 min read
How Indian corporate expats and overseas workers can use Kidnap & Ransom (K&R) insurance to protect against kidnap, extortion, and wrongful detention with crisis response support.
By Sarvada Editorial Team
Industry Risk Profiles - March 21, 2026 - 6 min read
India's paper and pulp mills, operated by integrated majors (JK Paper, ITC, Century) and regional producers, face critical exposures from high-pressure recovery boilers burning black liquor, chemical-recovery explosive potential, heavy machinery (paper machines, digesters), and environmental liability under CPCB BOD/COD norms. Underwriting demands detailed process knowledge and IBR (Indian Boiler Regulations) compliance verification.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 20, 2026 - 11 min read
A practical guide to drone operator insurance under the DGCA Drone Rules 2021 (amended 2023), covering third-party liability by drone category, hull coverage, payload liability for agricultural spray and survey missions, and compliance requirements for obtaining UIN and Remote Pilot certificates.
By Sarvada Editorial Team
Claims & Loss Prevention - March 20, 2026 - 17 min read
How employment practices liability claims actually run in Indian labour tribunals, industrial courts, and High Courts, with defense cost benchmarks per matter, notification obligations to insurers, and practical guidance on settlement versus litigation decisions for HR teams and insurance managers.
By Sarvada Editorial Team
Insurance Products - March 20, 2026 - 20 min read
A practical guide to event cancellation and contingency insurance in India, covering named perils for concerts, weddings, exhibitions, and sporting events, weather and non-appearance triggers, abandonment versus postponement mechanics, pricing benchmarks, IRDAI regulatory treatment, and the reinsurance capacity available through London and Singapore markets for organisers from IPL franchises to wedding planners.
By Sarvada Editorial Team
Claims & Loss Prevention - March 19, 2026 - 13 min read
A detailed guide to SME package policy claims in India. Multi-section triggers, claim sequencing, documentation requirements, surveyor appointment thresholds, and common denial grounds related to average clauses and fire safety breaches.
By Sarvada Editorial Team
Claims & Loss Prevention - March 19, 2026 - 19 min read
The operational mechanics of running a trade credit insurance claim in India: notification triggers, receivables documentation, protracted default versus insolvency pathways, IBC coordination, subrogation handling, and realistic settlement timelines for domestic and export receivables.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 19, 2026 - 11 min read
War risk coverage for Indian exporters and shipowners: JWC red-list zones, hull vs. Cargo war, 48-hour cancellation clauses, and Red Sea impact on Indian trade.
By Sarvada Editorial Team
AI & Insurtech - March 18, 2026 - 14 min read
An expert examination of how natural language processing and large language models are transforming policy wording analysis in the Indian insurance market, from SFSP clause extraction and exclusion mapping to IRDAI compliance checks and automated endorsement generation, with practical implementation considerations for insurers, TPAs, and brokers.
By Sarvada Editorial Team
Industry Risk Profiles - March 18, 2026 - 13 min read
An expert-level analysis of insurance risks facing India's downstream oil and gas sector, covering refinery fire and explosion exposures, petrochemical process hazards, PNGRB and PESO regulatory requirements, business interruption triggers unique to continuous process plants, and the specialized policy structures used by IOCL, BPCL, HPCL, and private-sector refiners.
By Sarvada Editorial Team
Risk Management Strategies - March 18, 2026 - 10 min read
Structural and financial differences between SIRs and deductibles for Indian SMEs. Cash collateral, claim authority, reinsurance treatment, accounting implications, and sector examples in motor fleet, workers comp, and liability.
By Tarun Kumar Singh
Global & Cross-Border Insurance - March 17, 2026 - 17 min read
A practical guide to insuring Indian port operations and marine terminals, covering Major Ports Authority Act obligations, IRDAI-regulated marine and property policies, Sagarmala-driven greenfield exposures, and the specific coverage architecture that port operators, terminal concessionaires, and inland container depots need to protect assets valued in hundreds of crore.
By Sarvada Editorial Team
Risk Management Strategies - March 17, 2026 - 8 min read
A practical guide to designing and implementing quantitative RFP evaluation scorecards for commercial insurance in India, covering weighted scoring rubrics, AM Best and CRISIL financial assessment, IRDAI solvency ratios, interview weighting, and broker versus direct placement criteria.
By Tarun Kumar Singh
Insurance for Startups & New Economy - March 17, 2026 - 14 min read
A practical guide to insurance planning for Indian space tech startups, covering launch risk, in-orbit satellite insurance, third-party liability, IN-SPACe regulatory requirements, and how IRDAI-regulated products intersect with the global space insurance market.
By Sarvada Editorial Team
Operations & Best Practices - March 16, 2026 - 14 min read
A practical framework for evaluating insurance broker performance in India, covering IRDAI licensing verification, claims advocacy metrics, service-level KPIs, renewal management discipline, and the scoring methodology that separates high-performing brokers from transactional intermediaries.
By Tarun Kumar Singh
Global & Cross-Border Insurance - March 16, 2026 - 10 min read
Understand IRDAI's Order of Preference for reinsurance placements: Indian reinsurers, IIO/IFSC hubs, and cross-border reinsurers. GIC Re's statutory cession rate, FRB categorization, CBR rating requirements, and retention strategy for commercial lines.
By Sarvada Editorial Team
Regulation & Compliance - March 16, 2026 - 8 min read
Foreign currency insurance premium remittances for overseas subsidiaries, property, and cargo: when FEMA permits direct remittance vs requiring RBI approval, and the role of LRS, ODI, and reinsurance regulations.
By Tarun Kumar Singh
Regulation & Compliance - March 15, 2026 - 6 min read
The Arbitration and Conciliation Act 1996, amended in 2015, 2019, and 2021, shapes how insurance disputes are resolved outside courts. Learn about quantum-only arbitration, the critical seat vs venue distinction, and how Supreme Court rulings apply to coverage questions.
By Tarun Kumar Singh
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