Insights
Explore underwriting workflows, regulator-sourced risk research, and operational best practices.
Library
Regulator-sourced research, briefings, and editorial analysis
Topics
Underwriting, claims, insurance products, and regulation
Latest
August 23, 2026
Browse by topic
1277 articles
Market & Trends - February 27, 2026 - 10 min read
How embedded insurance, integrated at the point of sale of non-insurance products and services, is transforming commercial lines distribution in India, from GST portal covers to logistics platform cargo insurance.
By Sarvada Editorial Team
Operations & Best Practices - February 26, 2026 - 12 min read
Deductibles, excess, and franchise clauses are among the most misunderstood elements of commercial insurance policies in India. Getting them wrong can mean paying too much premium or facing unexpected out-of-pocket costs at claims time. This guide explains the different structures, when each applies, and strategies for optimising deductible levels to balance premium savings against retained risk.
By Tarun Kumar Singh
Global & Cross-Border Insurance - February 26, 2026 - 7 min read
How Indian companies investing in Africa, Southeast Asia, and the Middle East can use political risk insurance to protect against expropriation and instability.
By Sarvada Editorial Team
Industry Risk Profiles - February 26, 2026 - 10 min read
India's real estate sector, governed by RERA and fuelled by infrastructure investment, presents a complex web of insurance needs spanning construction, liability, professional indemnity, and title risks. This profile maps the insurance lifecycle for Indian developers, from land acquisition through construction to project handover, and identifies critical coverage gaps.
By Sarvada Editorial Team
Regulation & Compliance - February 25, 2026 - 28 min read
An explanation of how IRDAI's recent amendments to broker licensing and commission structures are changing commercial insurance distribution in India, covering the shift to flexible commissions, new disclosure requirements, placement steering risks, and what buyers should demand from their brokers.
By Tarun Kumar Singh
Insurance Products - February 25, 2026 - 11 min read
While marine cargo insurance gets significant attention, marine hull insurance (covering the vessel itself) remains poorly understood in the Indian market. With India expanding its inland waterway network under Sagarmala and increasing coastal shipping capacity, hull insurance is becoming a critical coverage for vessel operators and financiers.
By Sarvada Editorial Team
Industry Risk Profiles - February 25, 2026 - 11 min read
India's mining sector (including coal, iron ore, limestone, and bauxite) operates in one of the most hazardous industrial environments. Insurers face challenges from underground collapse risks, dust explosion hazards, equipment breakdowns, and stringent regulatory compliance under the Mines Act 1952 and DGMS guidelines.
By Sarvada Editorial Team
Insurance Products - February 24, 2026 - 12 min read
Burglary and housebreaking insurance remains one of the most underutilised commercial covers in India, despite rising property crime in industrial zones. This guide details the standard burglary policy structure, common exclusions, claims procedures, and practical security measures that insurers look for during risk assessment.
By Sarvada Editorial Team
Industry Risk Profiles - February 24, 2026 - 16 min read
India's cement industry, the world's second-largest producer at over 400 million tonnes annually, presents a distinctive risk profile for insurers. From rotary kilns operating at 1,450 degrees Celsius to dust explosion hazards in grinding mills, limestone quarry exposures, and bulk logistics across vast distances, underwriting cement risks demands deep understanding of process engineering, regulatory frameworks under the Mines Act 1952 and Factories Act 1948, and the sector's capital-intensive infrastructure.
By Sarvada Editorial Team
Regulation & Compliance - February 24, 2026 - 10 min read
Most standard commercial insurance policies in India exclude terrorism risk, leaving businesses exposed unless they opt into coverage through the Indian Market Terrorism Risk Insurance Pool (IMRTIP). This guide explains the pool structure, coverage mechanics, pricing, and regulatory framework governing terrorism insurance in India.
By Tarun Kumar Singh
Industry Risk Profiles - February 23, 2026 - 6 min read
Insurance needs for India's expanding cold chain sector, from refrigerated transit and cold storage facilities to spoilage cover and equipment breakdown.
By Sarvada Editorial Team
Insurance Products - February 23, 2026 - 10 min read
With IRDAI pushing for higher insurance penetration and rising employee expectations, group health insurance has become essential for Indian SMEs. This guide covers policy structures, regulatory requirements, tax advantages under Section 80D, and strategies for optimising coverage within tight budgets.
By Sarvada Editorial Team
Industry Risk Profiles - February 23, 2026 - 12 min read
India's steel sector (the world's second-largest producer) faces unique insurance challenges from blast furnace operations, molten metal handling, and complex supply chains. This profile examines the key risk exposures, coverage requirements, and loss prevention strategies for integrated and secondary steel producers.
By Sarvada Editorial Team
AI & Insurtech - February 22, 2026 - 6 min read
How API-first insurtechs are embedding commercial insurance into lending, logistics, and e-commerce platforms across India's growing digital ecosystem.
By Sarvada Editorial Team
Claims & Loss Prevention - February 22, 2026 - 15 min read
Identifies the most common supply chain insurance gaps that leave Indian manufacturers exposed at claim time (from uninsured supplier premises and inland transit lapses to cold chain coverage gaps and contingent business interruption deficiencies) with a practical audit checklist.
By Sarvada Editorial Team
Claims & Loss Prevention - February 22, 2026 - 15 min read
A practical guide for Indian businesses on managing third-party liability claims under commercial policies — covering claims cooperation obligations, insurer-controlled defence, Motor Vehicles Act tribunal procedures, public liability incident response, and the complex interplay between criminal proceedings and insurance recovery.
By Sarvada Editorial Team
Insurance Products - February 21, 2026 - 12 min read
Commercial motor and fleet insurance is critical for India's rapidly growing logistics sector, yet many fleet operators remain underinsured. This guide covers policy structures, IRDAI motor tariff changes, and risk management strategies for transport businesses.
By Sarvada Editorial Team
Industry Risk Profiles - February 21, 2026 - 29 min read
A detailed guide to structuring insurance for Indian data centres, covering the overlapping property, engineering, and cyber exposures that a single SFSP policy cannot address, with practical advice on programme design for operators in Hyderabad, Chennai, Mumbai, and Pune.
By Sarvada Editorial Team
Operations & Best Practices - February 21, 2026 - 17 min read
A practical guide to building an insurance management information system for Indian risk managers, covering the key metrics to track (premium spend, claims ratio, broker performance), dashboard design principles, how data-driven insights improve renewal negotiation outcomes, and the tools and templates that work in the Indian commercial insurance context.
By Tarun Kumar Singh
Operations & Best Practices - February 20, 2026 - 5 min read
An annual insurance policy review is the single most effective step Indian businesses can take to ensure adequate coverage and optimise premium spend. Here is a thorough guide to conducting one.
By Tarun Kumar Singh
Market & Trends - February 20, 2026 - 3 min read
A strategic guide for foreign reinsurers evaluating the Indian market, such as regulatory requirements, competitive dynamics, and practical entry strategies for success.
By Sarvada Editorial Team
Industry Risk Profiles - February 20, 2026 - 7 min read
Insurance field for Indian hospitals: medical malpractice liability, fire and electrical hazards, patient data breaches, and biomedical waste exposure.
By Sarvada Editorial Team
Market & Trends - February 19, 2026 - 16 min read
An examination of how digital-first insurers including Acko, Go Digit, and other new-age companies are entering India's commercial lines market. Covers their distribution models, technology advantages, pricing impact, and where they fall short compared to traditional insurers and brokers.
By Sarvada Editorial Team
Insurance for Startups & New Economy - February 19, 2026 - 7 min read
How Indian e-commerce and quick commerce businesses can insure transit risks, dark store inventory, product liability, and last-mile delivery exposures.
By Sarvada Editorial Team
Sarvada Intelligence
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.