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October 8, 2026
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1513 articles
Claims & Loss Prevention - May 15, 2026 - 16 min read
AI-powered CCTV analytics can reduce losses at Indian factories by turning passive cameras into real-time detection. This post covers what the technology detects, how the loss reduction actually works, how insurers can price the evidence, and DPDP Act compliance for workplace video monitoring.
By Sarvada Editorial Team
Claims & Loss Prevention - May 15, 2026 - 14 min read
2025 was another record year for Indian nat cat losses. This post covers insured loss data from 2025 cyclones, floods, and heatwaves, the protection gap, claims settlement challenges, and what the data signals for 2026-27 reinsurance pricing.
By Sarvada Editorial Team
Regulation & Compliance - May 15, 2026 - 10 min read
Mis-selling is no longer a retail-life problem alone. Indian commercial brokers face a tightening conduct perimeter that will determine which placements survive regulatory and litigation scrutiny in the next 24 months.
By Tarun Kumar Singh
Market & Trends - May 15, 2026 - 16 min read
The composite licence dominated the reform debate, but the Insurance Laws (Amendment) Act, 2025 left it out. This playbook separates what actually changed for Indian commercial brokers from what did not, and explains how perpetual registration and multi-line servicing reshape broker operations.
By Tarun Kumar Singh
AI & Insurtech - May 15, 2026 - 18 min read
How Indian non-life insurers are using LLMs inside wording houses to draft endorsements and clauses, manage version control across File-and-Use filings, and embed prompt guardrails for legal-team review.
By Sarvada Editorial Team
Industry Risk Profiles - May 15, 2026 - 17 min read
An underwriting and broker placement guide for the hyperscale operators expanding in India (global cloud providers such as AWS, Azure and Google alongside domestic colocation hyperscalers like CtrlS, Yotta, Adani Connex and NTT), covering liquid-cooling MEP loss exposures, lithium UPS and BESS failure modes, tenant SLA liability, and how Indian insurers are rebuilding 100 MW+ programmes.
By Sarvada Editorial Team
Global & Cross-Border Insurance - May 15, 2026 - 16 min read
Indian exporters and EPC contractors selling into Africa face a buyer-risk and political-risk picture unlike any other emerging market. This piece maps the ECGC and private trade credit insurance capacity available for African buyer exposures, the EAC and SADC market-specific nuances, and how Afreximbank-backed structures are reshaping how Indian sellers protect receivables and project flows.
By Sarvada Editorial Team
Claims & Loss Prevention - May 15, 2026 - 17 min read
A date-anchored playbook for Indian commercial brokers preparing clients for the 2026 monsoon: pre-monsoon documentation, FNOL discipline during peak weeks, surveyor scheduling under load, and substantiation patterns learned from 2023-2025 monsoon losses.
By Sarvada Editorial Team
Insurance Products - May 15, 2026 - 17 min read
Heat events in 2024 and 2025 cost Indian employers measurable productivity and welfare expenditure. Parametric heat-index covers are emerging as a workable instrument that pays an employer when wet-bulb globe temperature thresholds are breached, allowing welfare relief and labour cost smoothing without claims litigation. This is the structural map for brokers and underwriters.
By Sarvada Editorial Team
Insurance Products - May 15, 2026 - 8 min read
Sustainability-linked insurance, where price or coverage moves with the policyholder's sustainability performance, is starting to appear in the Indian market. The economics are workable when verification is credible; the greenwashing risk is real when it is not.
By Tarun Kumar Singh
Risk Management Strategies - May 14, 2026 - 12 min read
Indian manufacturers are beneficiaries and participants in the China+1 diversification wave. This post covers what that shift means for supply chain concentration risk, contingent BI coverage, and the insurance gaps that PLI-scheme companies most often overlook.
By Sarvada Editorial Team
Risk Management Strategies - May 14, 2026 - 12 min read
Lloyd's 2023 cyber war exclusion mandates have propagated into Indian cyber policies, leaving state-attributed attacks in a coverage grey zone. This post maps what remains covered, what does not, and how Indian companies can fill the gap.
By Sarvada Editorial Team
Operations & Best Practices - May 14, 2026 - 15 min read
A working method for triaging 50 or more client locations into a risk-engineering survey calendar: MFL-rank scoring, claim-frequency weighting, surveyor capacity planning, and the operational playbook that turns survey output into renewal value.
By Sarvada Editorial Team
Risk Management Strategies - May 13, 2026 - 14 min read
Indian companies are starting to attach numbers to the physical climate risk sitting on their balance sheets. This post walks through TCFD-aligned methods, Indian hazard data sources, and what a CFO can do with the output.
By Sarvada Editorial Team
Regulation & Compliance - May 13, 2026 - 15 min read
The Companies Act 2013 contains direct and indirect insurance obligations that boards of listed Indian companies frequently miss, from Section 134 disclosure requirements to CARO 2020 audit inquiries. This guide maps each obligation to the relevant insurance programme decision.
By Sarvada Editorial Team
Claims & Loss Prevention - May 13, 2026 - 8 min read
The IRDAI's cashless-everywhere mandate has scaled access dramatically. It has also opened fraud vectors that were less profitable when reimbursement flows dominated. Insurers, TPAs, and hospital networks now share an enforcement problem none can solve alone.
By Tarun Kumar Singh
Market & Trends - May 13, 2026 - 16 min read
Many brokers braced for a hard reinsurance market after the intense 2025 Atlantic hurricane season, but no US landfall and abundant capital meant the feared hardening did not arrive. Indian treaty rates actually softened at 1 April 2026. This guide explains what happened to GIC Re cession terms, foreign reinsurer capacity and cat-exposed rate-on-line.
By Sarvada Editorial Team
Regulation & Compliance - May 12, 2026 - 14 min read
The RBI Account Aggregator framework is creating new data pathways for insurance underwriting and claims. This guide explains how the FIP-FIU-AA ecosystem works, what financial data is flowing, and how IRDAI's participation shapes SME underwriting and claims verification.
By Sarvada Editorial Team
Regulation & Compliance - May 12, 2026 - 13 min read
IRDAI's e-insurance account mandate requires all new policies to be held in electronic form through one of four designated repositories. This guide explains what the mandate requires, how repositories work, and what corporate policyholders must do to comply.
By Sarvada Editorial Team
Underwriting & Risk - May 12, 2026 - 15 min read
How brokers and risk managers design layered insurance programmes for large Indian corporates in 2026, covering primary, excess, and buffer layer logic, attachment-point setting, broker negotiation across layers, and the market for high-attachment capacity.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 11, 2026 - 14 min read
Enterprise clients increasingly demand insurance limits that early-stage B2B SaaS companies cannot meet from standard Indian policy products. This guide maps the gap between contract-required limits and what the market provides, and explains how founders can negotiate both.
By Sarvada Editorial Team
Insurance for Startups & New Economy - May 11, 2026 - 15 min read
Digital marketplace operators in India face a three-sided liability structure spanning seller conduct, buyer harm, and platform operator exposure that no single standard policy addresses. This guide maps the specific covers, regulatory triggers, and policy gaps relevant to B2B and B2C marketplaces.
By Sarvada Editorial Team
Regulation & Compliance - May 11, 2026 - 16 min read
An implementation review of the anticipated IRDAI Expenses of Management cap update for FY26 and FY27, covering revised line-of-business slabs, allowable expense definitions, the treatment of broker commission inside EoM, and the governance actions risk and finance leaders should be taking ahead of formal notification.
By Tarun Kumar Singh
Market & Trends - May 10, 2026 - 14 min read
GIFT City's IFSCA captive framework is attracting India's largest corporate groups, with property, marine, and cyber being the primary lines written into captives. Formation pace is accelerating in 2026, though capital requirements and IRDAI coordination constraints are limiting mid-market access.
By Sarvada Editorial Team
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