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October 8, 2026
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1513 articles
Risk Management Strategies - September 14, 2026 - 11 min read
A Zurich Kotak and Zurich Resilience Solutions screening of 871 planned Indian renewable projects put nearly 90% at high or critical climate hazard exposure, and priced the fix at about 2% of capex. Here is how a developer converts that spend into a premium credit, a longer DSU indemnity, and cheaper debt.
By Tarun Kumar Singh
Underwriting & Risk - September 14, 2026 - 12 min read
Q1 FY27 real GDP printed at 7.8 per cent on 31 August 2026 and manufacturing PMI hit a five-year low the next day. How to set declared turnover on a marine open cover, the ceiling on a declaration floater and a fire loss of profit sum insured when the two readings point opposite ways.
By Tarun Kumar Singh
Underwriting & Risk - September 13, 2026 - 10 min read
The National Building Construction Standards 2026, notified on 30 April 2026, moved the fire compliance height threshold from 15 metres to 24 metres and softened many mandatory provisions to advisory ones. A mid-rise commercial building can now be fully code-compliant and still fail a risk-engineering survey. This piece sets out where the two standards diverge and what to negotiate when they do.
By Tarun Kumar Singh
Global & Cross-Border Insurance - September 13, 2026 - 11 min read
Proclamation 11002 put a 25 per cent Section 232 duty on certain advanced semiconductors, semiconductor manufacturing equipment and their derivative products from 15 January 2026. India's smartphone exports ran at about Rs 2.6 trillion in FY26, so an expansion of the derivative list is a balance-sheet event rather than a customs footnote.
By Sarvada Editorial Team
Operations & Best Practices - September 13, 2026 - 10 min read
On 4 September IRDAI said the website igmsirdai.online, complaint-registration page included, is not an IRDAI site and told the public not to enter personal, policy, banking, KYC or OTP data there. Advisors are the ones clients call when a claim stalls, so here is the script to send the book.
By Tarun Kumar Singh
Global & Cross-Border Insurance - September 12, 2026 - 11 min read
Container capacity stranded by congestion hit a record 4.31 million TEU in late August 2026 and Asia to US East Coast spot rates reached USD 9,791 per FEU. On a CIF or CIP contract freight is part of the sum insured, so an open cover declaring last year's freight assumption is under-declared by more than the customary 10 per cent uplift can absorb.
By Sarvada Editorial Team
Claims & Loss Prevention - September 12, 2026 - 9 min read
Property and machinery claims settle against vendor reinstatement invoices. If the repairer misses the 30-day IRN reporting window, the input tax credit dies and a recoverable tax becomes a real loss inside the claim.
By Sarvada Editorial Team
Claims & Loss Prevention - September 12, 2026 - 10 min read
The Supreme Court's March 2026 restatement of the dominant-purpose and direct-nexus test in Sant Rohidas reopens the consumer commissions to many commercial policyholders. A forum decision tree across ombudsman, consumer commission, arbitration and civil suit, including the Rule 14(5) bar.
By Sarvada Editorial Team
Risk Management Strategies - September 12, 2026 - 11 min read
The 26 August flood damaged 13 Nepali hydropower projects, crippled 281 MW of installed capacity and left about 900 hydropower workers missing. For Indian EPC contractors, lessors and manpower suppliers, three wordings get tested at once: the EAR flood peril, the DSU trigger and employer's liability on a foreign site.
By Tarun Kumar Singh
Global & Cross-Border Insurance - September 11, 2026 - 8 min read
The 26 August 2026 Trishuli debris flow produced 583 claims worth NPR 25.87 billion against a US$2.56 billion economic loss, carried in part by Oriental Insurance's Nepal unit and a panel that includes GIC Re. Indian reinsurer security files built only on Indian catastrophe zones miss the exposure.
By Sarvada Editorial Team
Regulation & Compliance - September 11, 2026 - 9 min read
IRDAI's 28 August 2026 circular migrates reinsurance regulatory returns and other reinsurance functionalities to its integrated Business Analytics Platform. For corporate buyers with domestically fronted, offshore-placed programmes, the audit trail behind order-of-preference compliance and cross-border reinsurer eligibility now has to hold up as structured data, not as a slip folder assembled at filing time.
By Tarun Kumar Singh
Insurance Products - September 11, 2026 - 11 min read
An August 2026 Gujarat High Court ruling narrowed the deemed 1 percent valuation on related-party corporate guarantees and blocked its retrospective use. That changes the all-in cost ranking between a parent guarantee, a bank guarantee and an IRDAI-regulated surety bond.
By Sarvada Editorial Team
Underwriting & Risk - September 10, 2026 - 10 min read
India's commercial lines stopped moving as one thing in July 2026. Fire premium fell 31 percent while marine grew 42 percent and marine hull 61 percent, with engineering nearly flat at 5 percent. That is capacity rotating between classes, and it changes where a buyer should expect a soft quote.
By Tarun Kumar Singh
Underwriting & Risk - September 10, 2026 - 11 min read
IRDAI's Public Insurance Registry consultation paper proposes an Insurance Risk Score built from Insurance Information Bureau records, credit information companies and other permitted sources. This post explains what data would travel with a commercial risk, what consent a broker has to hold under the DPDP Act, and how to build a mitigation file that moves a score instead of hiding losses.
By Tarun Kumar Singh
Claims & Loss Prevention - September 10, 2026 - 11 min read
An empty-yard shutdown at Mundra and a truckers' strike across Kandla and Mundra have produced stranded vehicles, missed vessel cut-offs and detention bills, none of which is physical damage. This is what a marine cargo policy actually pays for in a live port disruption, what the delay exclusion blocks, and how to document a claim so it survives the wording.
By Sarvada Editorial Team
Market & Trends - September 9, 2026 - 10 min read
Fitch, AM Best and Moody's all read the 2027 reinsurance cycle the same way: more price falls, record capital, and terms that keep loosening. For an Indian buyer facing a 1 April 2027 renewal, the discount is the perishable win and the contract language is the one that lasts.
By Sarvada Editorial Team
Insurance Products - September 9, 2026 - 10 min read
September 2026 is expected to put close to Rs 45,000 crore through the Indian primary market, led by an NSE issue that would be the largest in the country's history. This is how a public offering of securities insurance tower for an issue that size actually gets built: limit sizing, domestic capacity ceilings, the point at which placement moves to GIFT City or offshore, run-off term, and who is insured when a large offer for sale sits inside the issue.
By Sarvada Editorial Team
Market & Trends - September 9, 2026 - 11 min read
Over three days in early September 2026, the Department of Financial Services told the six public sector insurers to adopt an EASE-style framework and to monitor performance through a standardised KPI set reviewed quarterly, with an explicit instruction to bring down the incurred claim ratio. If PSU capacity leads your fire, marine or group programme, read that as a renewal forecast rather than a governance story.
By Sarvada Editorial Team
Regulation & Compliance - September 8, 2026 - 10 min read
IRDAI's Public Insurance Registry consultation paper, issued on 1 September 2026, proposes a customer-facing intermediary layer carrying sales quality, persistency, complaints, mis-selling history, disciplinary action and blacklisting. Here is what becomes visible, what a corporate buyer does with it at renewal, and the twelve-month hygiene programme that decides how your firm reads on day one.
By Tarun Kumar Singh
Operations & Best Practices - September 8, 2026 - 11 min read
September 2026 puts five dated obligations on the same small compliance team: the 15 September advance tax instalment, audited financials to IRDAI by 30 September, comments on the Public Insurance Registry consultation paper by 30 September, the outer GSTAT condonation limit, and Bima Sugam's first products going live. This is the ordered plan, with owners, evidence and an honest read of what can slip.
By Tarun Kumar Singh
Industry Risk Profiles - September 8, 2026 - 11 min read
RentoMojo's INR 1,256 crore IPO opens on 9 September 2026 and puts the rental and subscription model in front of a large audience. A business built this way owns its whole asset base and stores almost none of it, which breaks every location-based property policy in the Indian market.
By Sarvada Editorial Team
Global & Cross-Border Insurance - September 7, 2026 - 10 min read
RELIEF Component II lifted ECGC commercial-risk cover to 95 per cent on West Asia shipments, with the government paying the enhancement fee. Eligibility ends with bill of lading dates of 30 September 2026, and so do the extended RoDTEP rates. Here is which shipments still qualify and what the step back to 90 per cent costs.
By Sarvada Editorial Team
Regulation & Compliance - September 7, 2026 - 11 min read
The GSTAT filing date already moved from 30 June to 31 July 2026, and the outer condonable window for backlog orders is reported as 30 September 2026. The timeline, the pre-deposit arithmetic on a premium ITC demand, and a triage rule for which insurance GST disputes justify the tribunal.
By Tarun Kumar Singh
Regulation & Compliance - September 7, 2026 - 11 min read
Employers pay 18% GST on group mediclaim, group personal accident and group term life, and Section 17(5)(b) blocks almost all of the credit. Press reports place easing of that block on the 57th GST Council's 12 September agenda. What is blocked today, what it costs, and how to treat September and October renewal invoices while the answer is unknown.
By Tarun Kumar Singh
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