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October 8, 2026
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1513 articles
Insurance Products - May 19, 2026 - 10 min read
How Indian corporates with operations in Naxal-affected mining belts, remote plantations, and high-risk industrial districts structure kidnap and ransom programs that cover employees, contractors, and crisis-response services without falling foul of unlawful activities legislation.
By Sarvada Editorial Team
Industry Risk Profiles - May 19, 2026 - 18 min read
An underwriting and broker placement guide to the Erection All Risks and Delay in Start Up cover for India's first wave of semiconductor fabs and packaging plants. Covers hot and dry test phase exposures, vendor third-party liability, ISM Mission incentive interplay, and the DSU sum insured calibration that has become the central placement question for 2026.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 19, 2026 - 16 min read
Indian private launch vehicle startups including Skyroot Aerospace, Agnikul Cosmos, and EtherealX face a four-phase insurance need (pre-launch, launch, in-orbit, third-party liability) governed by the Outer Space Treaty 1967 and the IN-SPACe norms with material gaps in domestic insurance capacity.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 18, 2026 - 16 min read
Indian DaaS operators including Garuda Aerospace, ideaForge, and ThrottleAerospace face a hybrid SaaS-meets-operator insurance need: fleet hull and liability for hundreds of airframes, DGCA Drone Rules 2021 compliance, BVLOS pilot exposure, and customer indemnity stacks that no off-the-shelf product covers.
By Sarvada Editorial Team
AI & Insurtech - May 18, 2026 - 16 min read
How API marketplaces are bundling multiple insurer products for embedded distribution post-Bima-Sugam, with MGA partnerships replacing traditional broker placement and the operating economics reshaping commercial insurance distribution in India.
By Sarvada Editorial Team
Insurance Products - May 18, 2026 - 19 min read
Amendments to the Environment (Protection) Act 1986 through the Jan Vishwas reforms, the Water Act amendment, and tighter CPCB rules have shifted environmental liability exposure squarely onto India's MSME manufacturing base. This piece sets out how environmental impairment liability cover should be sized for MSMEs, the National Green Tribunal exposure pattern, and how to obtain gradual pollution coverage that the standard public liability policy excludes.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 18, 2026 - 19 min read
Indian companies acquiring European and US targets need an insurance toolkit that goes well beyond the standard domestic deal. This guide covers the representations and warranties insurance market for inbound coverage on outbound deals, run-off cover for retained pre-closing liabilities, and how Indian acquirers practically access transaction liability capacity through London and Singapore.
By Sarvada Editorial Team
Industry Risk Profiles - May 18, 2026 - 17 min read
How brokers and underwriters structure insurance for India's major container terminal operators including Adani Ports, JSW Infrastructure, DP World India, JM Baxi, and APM Terminals. Examines terminal operator legal liability, container handling equipment cover, marine cum port liability, P&I bundling for in-port tug operations, and the cyber exposure that has rewritten 2026 terms.
By Sarvada Editorial Team
Claims & Loss Prevention - May 18, 2026 - 15 min read
A cedant-side examination of reinsurance recovery on Indian domestic treaty claims, covering claim notification, the GIC Re recovery cycle, treaty wording disputes, settlement-on-account, and the role of the reinsurance broker in moving recoveries through the system.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 17, 2026 - 16 min read
Indian iDEX-funded defence-tech startups building drone swarms, anti-drone systems, and ISR or EW platforms face procurement bonds, weapons-systems product liability exposure, and MoD prime-contractor flowdowns that have no analogue in standard SaaS or industrial insurance.
By Sarvada Editorial Team
Regulation & Compliance - May 17, 2026 - 8 min read
IRDAI's mis-selling enforcement has so far centred on retail life. The 2025-2026 rule-making direction signals a wider documented-suitability regime that will reach commercial brokers next.
By Tarun Kumar Singh
Industry Risk Profiles - May 17, 2026 - 18 min read
An underwriting analysis of India's emerging lithium battery recycling sector covering Lohum, Attero, Tata Chemicals, Exigo Recycling, and BatX Energies. Examines pre-shredding inspection failures, thermal runaway in cell triage, water-curtain and fluorine-specific suppression engineering, and the environmental liability exposure under the Battery Waste Management Rules 2022.
By Sarvada Editorial Team
Insurance Products - May 17, 2026 - 16 min read
Cross-border ecommerce sellers from India ship tens of thousands of low-ticket consignments to international buyers annually. The marine open cover structure, with declaration cycles calibrated to high-volume low-ticket transit, the right Institute Cargo Clauses choice, and adjacencies to platform liability cover, is the appropriate insurance architecture for this distribution model.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 17, 2026 - 18 min read
Indian commercial brokers placing risks for clients with international footprint cannot rely on insurer-side checks alone. This guide sets out an end-to-end sanctions screening workflow for broker-side onboarding and renewal, the OFAC, EU, UN, and MEA list integration practice, dual-screening of insureds and underlying vessels or aircraft, and the secondary-sanctions exposure that Indian intermediaries increasingly face.
By Sarvada Editorial Team
Claims & Loss Prevention - May 17, 2026 - 16 min read
An examination of the independence regime for IRDAI-licensed surveyors and loss assessors under the 2015 regulations, covering licensing categories, panel rotation, fee structures, conflict-of-interest disclosure, and the gap between regulatory design and field practice in Indian commercial claims.
By Sarvada Editorial Team
AI & Insurtech - May 17, 2026 - 15 min read
How Indian brokers and insurers are deploying multilingual voice AI agents for outbound SME commercial renewal calls, with DPDP consent capture, escalation to human brokers, and the unit economics of automated callbacks across Hindi, Hinglish, and regional languages.
By Sarvada Editorial Team
AI & Insurtech - May 16, 2026 - 18 min read
How Indian non-life insurers are chaining specialised AI agents across FNOL intake, triage, surveyor dispatch, settlement recommendation, and audit, with tool-calling architecture and IRDAI governance gates at each transition.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 16, 2026 - 16 min read
Indian climate-tech founders building carbon removal, biochar, green hydrogen, and green-cement startups face an insurance market that has not finished pricing first-of-a-kind plant risk, offtake performance guarantees, or environmental impairment from novel feedstocks.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 16, 2026 - 15 min read
Choosing between a branch, subsidiary, special purpose reinsurance vehicle, or Lloyd's syndicate platform inside GIFT IFSC has tax, regulatory, and operational consequences that boards must weigh before commitment. This is a structured decision framework for Indian corporates, insurers, and intermediaries assessing the entity choice for reinsurance activity in IFSCA's evolving framework.
By Tarun Kumar Singh
Industry Risk Profiles - May 16, 2026 - 15 min read
How brokers and underwriters are structuring cold chain insurance for India's vaccine distribution network covering eVIN-enabled state immunisation programmes, Mission Indradhanush logistics, COVID-era infrastructure repurposed for routine biologics, temperature excursion claims, contingent business interruption, and the interplay with manufacturer recall cover.
By Sarvada Editorial Team
Insurance Products - May 16, 2026 - 19 min read
For projects with capital expenditure of INR 10,000 crore or more, the standard annual EAR product is inadequate. This piece sets out how single-project EAR is structured for mega infrastructure including tower placement strategy across primary and excess layers, ALOP and DSU sublimits, marine-cum-erection integration, retroactive coverage for design risk, and monsoon-period delay-in-start-up sizing.
By Sarvada Editorial Team
Claims & Loss Prevention - May 16, 2026 - 18 min read
How Indian corporate boards and HR risk committees should govern Third Party Administrators handling group health programmes, covering IRDAI TPA regulations, oversight committees, SLA scorecards, conflict-of-interest controls, and the levers that change actual member experience.
By Sarvada Editorial Team
Regulation & Compliance - May 16, 2026 - 8 min read
When a broker places fire cover at Rs 50 crore on a plant worth Rs 120 crore at reinstatement value, the policy is the wrong product. The signature on the proposal will not save the broker once suitability rules land.
By Tarun Kumar Singh
Insurance for Startups & New Economy - May 15, 2026 - 16 min read
Indian agentic-AI startups building autonomous coding assistants, workflow agents, and CrewAI-style multi-agent systems face a coverage problem traditional Tech E&O was not drafted for: when the product takes actions on its own and the customer loses money, whose policy responds?
By Sarvada Editorial Team
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