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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
Latest
August 23, 2026
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1277 articles
Underwriting & Risk - March 7, 2026 - 14 min read
A detailed guide to how Indian corporates and their brokers should approach excess layer pricing, from primary attachment points and rate-on-line calculations to reinsurance-driven pricing dynamics, IRDAI considerations, and practical negotiation strategies for building efficient insurance towers.
By Tarun Kumar Singh
Market & Trends - March 7, 2026 - 14 min read
A deep analysis of underwriting profitability in India's non-life insurance sector, examining why combined ratios have historically hovered near or above 100%, how pricing cycles and IRDAI de-tariffing have shaped loss experience, and what structural changes are needed for Indian general insurers to sustain underwriting profits rather than relying on investment income to mask technical losses.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 6, 2026 - 18 min read
Indian IT companies and Global Capability Centres servicing EU clients face insurance implications from GDPR and DORA compliance requirements. This guide covers cyber insurance mandates, professional indemnity extensions, contractual liability, and how to structure coverage for EU regulatory exposure.
By Sarvada Editorial Team
AI & Insurtech - March 6, 2026 - 14 min read
How Indian commercial insurers and policyholders are using IoT-driven predictive maintenance to reduce equipment failure rates, lower claims frequency, and unlock meaningful premium reductions across property, engineering, and business interruption covers.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 6, 2026 - 17 min read
Traditional fixed-premium insurance does not align with the revenue volatility of SaaS and subscription businesses. This guide explores revenue-linked, usage-based, and dynamically adjustable insurance models emerging in the Indian market for technology companies with variable growth profiles.
By Sarvada Editorial Team
Claims & Loss Prevention - March 5, 2026 - 15 min read
A detailed guide to how automatic fire sprinkler systems affect commercial insurance premiums in India, covering IRDAI tariff provisions, BIS standards for sprinkler design, NBC fire safety norms, insurer discount structures, and the real-world economics of sprinkler installation for premium reduction.
By Sarvada Editorial Team
Operations & Best Practices - March 5, 2026 - 15 min read
A practical guide for risk managers on how internal auditors review insurance programmes at Indian enterprises, covering common audit findings such as coverage gaps, expired policies, and inadequate sum insured declarations, with a detailed audit preparation checklist and strategies for addressing findings proactively.
By Tarun Kumar Singh
Insurance Products - March 5, 2026 - 14 min read
A detailed guide to insuring battery energy storage systems in India, covering thermal runaway exposures, SFSP and engineering policy gaps, MNRE and IRDAI regulatory intersections, and the underwriting considerations that shape BESS programme design for developers, IPPs, and industrial offtakers.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 4, 2026 - 13 min read
How Indian MSMEs can use ECGC and private export credit insurance to protect overseas receivables, secure bank finance, and manage buyer default risk across international markets.
By Sarvada Editorial Team
Risk Management Strategies - March 4, 2026 - 14 min read
A practical guide for Indian mid-market companies to build, maintain, and operationalise a strategic risk register that connects enterprise risks to insurance programme design, regulatory compliance, and board-level governance.
By Tarun Kumar Singh
Insurance Products - March 4, 2026 - 14 min read
How Indian businesses can consolidate warehouse stock insurance and goods-in-transit covers into a single programme, reducing coverage gaps, lowering administrative overhead, and ensuring end-to-end protection for inventory across storage and movement phases.
By Sarvada Editorial Team
Market & Trends - March 3, 2026 - 16 min read
An analysis of the FY2026 hard market conditions in Indian commercial insurance, examining how April 1 treaty renewals are affecting premiums across property, liability, and specialty lines. Covers GIC Re's role, capacity constraints, and practical strategies for buyers facing rate increases.
By Sarvada Editorial Team
Regulation & Compliance - March 3, 2026 - 13 min read
An analysis of the IRDAI regulatory sandbox outcomes released in early 2026, covering approved experiments in parametric insurance, usage-based covers, and digital claims settlement, and what these results mean for commercial insurance buyers and underwriters in India.
By Tarun Kumar Singh
Industry Risk Profiles - March 3, 2026 - 15 min read
An in-depth analysis of insurance risks facing India's pharmaceutical cold chain, covering temperature excursion losses, transit exposures, CDSCO compliance pressures, and the specific policy structures needed to protect high-value biologics and vaccines in a tropical climate.
By Sarvada Editorial Team
AI & Insurtech - March 2, 2026 - 11 min read
AI-driven policy comparison platforms are transforming how Indian businesses evaluate commercial insurance options, reducing assessment time from weeks to minutes while surfacing critical coverage gaps that manual reviews often miss.
By Sarvada Editorial Team
Risk Management Strategies - March 2, 2026 - 17 min read
How Indian corporates can identify and manage concentration risks across geographic, supplier, and revenue dimensions, understand their impact on insurance pricing and capacity, and implement diversification strategies.
By Tarun Kumar Singh
Claims & Loss Prevention - March 2, 2026 - 17 min read
A guide to construction defect claims in Indian insurance, covering the distinction between latent and patent defects, completed operations liability under CGL policies, RERA warranty obligations, the defect liability period in construction contracts, and the insurance coverage options available to contractors and developers.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 1, 2026 - 15 min read
Indian companies making overseas acquisitions increasingly use warranty and indemnity (W&I) insurance to bridge the gap between seller and buyer expectations on indemnification. This guide covers W&I policy structure, tax liability insurance, pricing in the Indian context, and integration into the deal process.
By Sarvada Editorial Team
AI & Insurtech - March 1, 2026 - 16 min read
How drones are being used for commercial insurance risk surveys in India, covering applications from factory roof inspection and warehouse fire risk assessment to crop damage evaluation, DGCA regulatory requirements, cost-benefit analysis versus traditional surveys, and insurer adoption trends.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 1, 2026 - 16 min read
Indian aggregator platforms spanning ride-hailing, home services, and delivery face a unique set of liability risks that standard insurance products do not address. This guide covers platform vs worker liability, customer injury claims, regulatory requirements, and bespoke programme structuring.
By Sarvada Editorial Team
Operations & Best Practices - February 28, 2026 - 17 min read
A practical guide to aligning business continuity plans with insurance programmes for Indian enterprises. Covers indemnity period selection for BI policies, disaster recovery cost coverage, supply chain contingency endorsements, crisis communication costs, alternate premises coverage, and a BCP-to-insurance mapping framework referencing IRDAI guidelines, ISO 22301, SEBI risk management requirements, and RBI's BCP directives.
By Tarun Kumar Singh
Market & Trends - February 28, 2026 - 13 min read
A in-depth review into how commercial insurance premiums are actually calculated in India, from the tariff era to detariffed pricing, burning cost analysis, experience rating, catastrophe loading, reinsurer influence, GST impact, and market cycle dynamics. Practical guidance for insurance buyers and underwriters handling premium negotiations.
By Sarvada Editorial Team
Insurance Products - February 28, 2026 - 12 min read
A rigorous guide to product liability insurance for Indian manufacturers. Covering the Consumer Protection Act 2019's liability provisions, IRDAI policy wordings, coverage triggers, and how to structure adequate limits across FMCG, automotive, and pharmaceutical sectors.
By Sarvada Editorial Team
AI & Insurtech - February 27, 2026 - 11 min read
An in-depth look at how Indian non-life insurers are deploying AI and machine learning models to detect fraudulent commercial claims -- from anomaly detection in stock losses to satellite verification of property damage.
By Sarvada Editorial Team
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