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
Underwriting & Risk - February 19, 2026 - 3 min read
Practical strategies for Indian commercial underwriters managing renewal negotiations during a hard market cycle, including balancing retention, profitability, and client relationships.
By Tarun Kumar Singh
Insurance Products - February 18, 2026 - 8 min read
Understand CGL policy structure in India covering premises liability, operations, products/completed operations, and advertising injury with endorsements.
By Sarvada Editorial Team
AI & Insurtech - February 18, 2026 - 9 min read
Explore how digital twin technology enables Indian commercial insurers to build virtual property replicas for real-time risk monitoring and catastrophe simulation.
By Sarvada Editorial Team
Industry Risk Profiles - February 18, 2026 - 4 min read
The Indian textile industry's fire risk is among the highest in commercial insurance. Surat's experience (from devastating losses to systematic fire safety improvement) offers a model for underwriters and industry stakeholders nationwide.
By Sarvada Editorial Team
Market & Trends - February 17, 2026 - 15 min read
A wide-ranging analysis of how ESG (Environmental, Social, Governance) factors are transforming Indian commercial insurance underwriting. Covering SEBI's BRSR framework, IRDAI's climate risk guidance, carbon-intensive industry surcharges, green building premium credits, ESG-adjusted underwriting scores, and the tension between sustainability mandates and portfolio profitability.
By Sarvada Editorial Team
Risk Management Strategies - February 17, 2026 - 16 min read
How Indian manufacturers can implement loss engineering programmes, translate risk improvement recommendations into premium discounts, calculate the ROI of prevention investments, and meet insurer expectations for risk quality improvement.
By Tarun Kumar Singh
Underwriting & Risk - February 17, 2026 - 14 min read
A detailed examination of how Indian underwriters assess earthquake risk across the five seismic zones -- covering IS 1893 zone classification, BIS building code compliance, probabilistic seismic hazard analysis, earthquake deductible structures, retrofit credits, and zone-specific pricing differentials for commercial property portfolios.
By Tarun Kumar Singh
AI & Insurtech - February 16, 2026 - 4 min read
Generative AI is being explored for drafting underwriting reports, risk summaries, and policy recommendations in Indian commercial insurance. We examine the genuine capabilities, the significant risks, and a pragmatic framework for adoption.
By Sarvada Editorial Team
Claims & Loss Prevention - February 16, 2026 - 4 min read
India's monsoon season brings predictable but devastating flood risks to businesses nationwide. This preparation guide covers pre-monsoon risk mitigation, documentation readiness, and strategies to expedite flood insurance claims.
By Sarvada Editorial Team
Operations & Best Practices - February 16, 2026 - 15 min read
A full guide for Indian principal employers and project owners on structuring insurance requirements for vendors, subcontractors, and service providers. Covering contractual liability clauses, certificate of insurance verification, additional insured endorsements, waiver of subrogation, and hold-harmless agreements under Indian law.
By Tarun Kumar Singh
Underwriting & Risk - February 15, 2026 - 27 min read
A historical and market analysis of how Indian commercial fire insurance rates have eroded since de-tariffing in 2007, which occupancy classes have been hit hardest, how this affects reinsurance treaty results, and whether IRDAI's burning cost data initiatives will force a market correction.
By Tarun Kumar Singh
Claims & Loss Prevention - February 15, 2026 - 17 min read
A detailed guide to product recall claims in Indian commercial insurance, covering regulatory triggers under FSSAI and BIS, voluntary versus mandatory recalls, the cost categories covered by recall insurance, documentation requirements, and what insurers expect from policyholders during a recall event.
By Sarvada Editorial Team
Regulation & Compliance - February 15, 2026 - 3 min read
India's reinsurance sector is evolving with GIC Re's changing mandate and IRDAI's liberalisation of foreign reinsurer access. Understand the regulatory framework shaping reinsurance placements in India.
By Tarun Kumar Singh
Insurance Products - February 14, 2026 - 4 min read
Fire, flood, or machinery breakdown can halt production for months. Business interruption insurance covers the financial losses Indian manufacturers suffer when operations are disrupted beyond physical damage.
By Sarvada Editorial Team
Global & Cross-Border Insurance - February 14, 2026 - 7 min read
How IFSCA's regulatory framework is positioning GIFT City as India's offshore hub for global insurance, reinsurance, and captive operations.
By Sarvada Editorial Team
Underwriting & Risk - February 14, 2026 - 3 min read
A guide to effectively using subjectivities, conditional requirements imposed on commercial insurance policies, to manage risk without losing business.
By Tarun Kumar Singh
Global & Cross-Border Insurance - February 13, 2026 - 17 min read
A step-by-step guide for Indian risk managers on structuring a global insurance programme with India as the master policy hub, covering fronting arrangements, premium allocation, claims flow, tax compliance, and DIC/DIL provisions across multiple jurisdictions.
By Sarvada Editorial Team
Regulation & Compliance - February 13, 2026 - 7 min read
How IRDAI's microinsurance regulations apply to micro-enterprises, SHG-based distribution, cooperative models, and the gap between regulation and penetration.
By Tarun Kumar Singh
Operations & Best Practices - February 13, 2026 - 3 min read
Risk engineering surveys are the backbone of informed commercial underwriting. This guide covers survey types, execution standards, and how to translate survey findings into better risk selection and pricing.
By Tarun Kumar Singh
Market & Trends - February 12, 2026 - 17 min read
A complete examination of commercial agriculture insurance beyond PMFBY: covering cold chain and food processing facility risks, agri-commodity transit insurance, greenhouse and polyhouse coverage, aquaculture insurance, and parametric weather derivatives for large Indian agribusinesses. Addresses monsoon variability, fragmented supply chains, moral hazard in crop valuation, and the regulatory framework under IRDAI, NABARD, and the WDRA Act 2007.
By Sarvada Editorial Team
Insurance Products - February 12, 2026 - 7 min read
A practical guide to inland transit insurance in India, policy types, carrier liability gaps, open transit covers, and claims procedures for domestic cargo.
By Sarvada Editorial Team
Industry Risk Profiles - February 12, 2026 - 4 min read
India's ambitious renewable energy targets create significant insurance demand but also present novel underwriting challenges around technology risk, natural catastrophe exposure, and performance guarantees.
By Sarvada Editorial Team
Insurance Products - February 11, 2026 - 12 min read
A full guide to fidelity guarantee insurance for Indian businesses, covering employee theft, embezzlement, forgery, and cyber-enabled fraud. Learn about policy structures, legal frameworks under the Indian Penal Code, and the claims process for commercial fidelity bonds.
By Sarvada Editorial Team
Insurance for Startups & New Economy - February 11, 2026 - 16 min read
Indian co-working and managed office operators face property damage risk, public liability for shared spaces, cyber exposure from shared networks, and complex lease arrangements that create coverage gaps. This guide covers the insurance programme every flex-space operator needs.
By Sarvada Editorial Team
Sarvada Intelligence
See how Sarvada turns research, risk signals, and operational context into faster commercial underwriting decisions.