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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
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October 8, 2026
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1513 articles
Regulation & Compliance - April 27, 2026 - 12 min read
A detailed guide to the eligibility criteria, application process, and operational framework for foreign reinsurers seeking to establish a branch office in India under IRDAI's Foreign Reinsurance Branch regulations, including the obligatory cession rules and the GIFT City alternative.
By Tarun Kumar Singh
Underwriting & Risk - April 27, 2026 - 12 min read
An underwriter's methodology for assessing hotel and hospitality risks in India, covering fire risk in multi-storey properties, PML for business interruption, liability exposures, and pricing ranges across hotel categories.
By Sarvada Editorial Team
Risk Management Strategies - April 26, 2026 - 11 min read
Indian corporates face a dual climate risk challenge, physical perils that damage assets and operations, and transition risks that reshape regulatory, financial, and liability exposures. This guide shows how to build an insurance programme that addresses both.
By Tarun Kumar Singh
Global & Cross-Border Insurance - April 26, 2026 - 16 min read
India imports over 85% of its crude oil through the Persian Gulf and Red Sea, and Indian-owned tankers face war risk premium surcharges, JWC Listed Area restrictions, and escalating Houthi-related exposures that have reshaped the marine insurance market since late 2023. This guide covers hull war risk, P&I war extensions, CONWARTIME, GIC Re's role, and how Indian refiners manage vessel insurance in crude procurement contracts.
By Sarvada Editorial Team
Market & Trends - April 26, 2026 - 15 min read
India's catastrophe risk profile combines high-seismicity zones, cyclone-prone coastlines, and flood-vulnerable river plains with a primary insurance market that has limited reinsurance capacity and significant data gaps. This post examines where reinsurance capacity exists, where it has tightened, and what structural reforms would be needed to close the gap between economic and insured catastrophe losses.
By Tarun Kumar Singh
Regulation & Compliance - April 25, 2026 - 6 min read
Web aggregators, insurtech distributors, and embedded insurance platforms are now subject to governance expectations closer to insurers than to pure technology businesses. The supervisory direction is moving fast, and platforms that have been operating with light governance are running out of slack.
By Tarun Kumar Singh
Market & Trends - April 25, 2026 - 5 min read
Solar, wind, and hybrid project sponsors in India are confronting a stubborn exposure that sits between energy policy and risk transfer: revenue erosion from curtailment, evacuation constraints, and grid unavailability that usually fall outside ordinary property and DSU logic, yet remain material to debt service and portfolio valuation.
By Sarvada Editorial Team
Underwriting & Risk - April 24, 2026 - 6 min read
Indian lenders and credit insurers are starting to integrate climate scenarios into underwriting decisions. The change is partly driven by the RBI and IRDAI, partly by international rating agencies, and partly by loss experience that legacy credit models no longer explain.
By Tarun Kumar Singh
Insurance Products - April 24, 2026 - 5 min read
Indian businesses are more digitally and utility dependent than their property programmes admit, with grid instability, telecom failures, cloud connectivity loss, and upstream service disruption causing revenue interruption without physical damage at the insured premises and exposing the narrow trigger logic of ordinary business interruption cover.
By Sarvada Editorial Team
Operations & Best Practices - April 23, 2026 - 5 min read
Large Indian property claims are often weakened in the first seventy-two hours by poor site preservation, fragmented financial evidence, and unstructured communication with surveyors, even when coverage is broadly available, making disciplined pre-loss readiness one of the highest-ROI claims investments for risk managers.
By Tarun Kumar Singh
AI & Insurtech - April 22, 2026 - 5 min read
Indian insurers and brokers are deploying AI faster than they are governing it. A working framework covers model risk, data protection, vendor oversight, and board reporting.
By Tarun Kumar Singh
Industry Risk Profiles - April 22, 2026 - 5 min read
India's battery recycling and e-waste processing sector now sits at the crossroads of hazardous materials regulation, extended producer responsibility, warehouse fire severity, and informal collection-chain exposure, creating insurance needs that are materially different from both ordinary manufacturing and ordinary waste handling.
By Sarvada Editorial Team
AI & Insurtech - April 21, 2026 - 6 min read
Behavioural signals (how a user interacts, types, navigates, and submits documents) now do more work in Indian insurance fraud detection than traditional document and identity checks. The shift has consequences for technology choice, vendor evaluation, and DPDP Act posture.
By Tarun Kumar Singh
Insurance for Startups & New Economy - April 21, 2026 - 5 min read
As Indian retailers, 3PL operators, and quick-commerce networks deploy autonomous mobile robots, robotic picking arms, and goods-to-person systems, insurance programmes must address bodily injury, product malfunction, software update failures, fire loading, and contractual risk transfer across OEMs, integrators, landlords, and operators.
By Sarvada Editorial Team
Global & Cross-Border Insurance - April 20, 2026 - 5 min read
Indian companies sending directors, engineers, sales teams, and project staff abroad often assume group medical and corporate travel policies are enough, yet political evacuation, security extraction, kidnap response, and high-limit accidental death or disability exposures frequently sit outside the programme or inside narrow assistance contracts that were never negotiated for serious incidents.
By Sarvada Editorial Team
Underwriting & Risk - April 19, 2026 - 6 min read
Indian cyber insurance demand is outpacing the underwriting infrastructure. Capacity tightness, data gaps, silent cyber, and DPDP-driven liability are forcing rapid changes to how risks are written.
By Tarun Kumar Singh
Underwriting & Risk - April 19, 2026 - 5 min read
Indian marine cargo programmes often look diversified on paper yet hide severe accumulation at inland container depots, container freight stations, rail transshipment nodes, and temporary warehouses, where policyholders underestimate declaration discipline, CAT aggregation, and the interface between cargo, transit, and warehouse cover.
By Tarun Kumar Singh
Risk Management Strategies - April 18, 2026 - 6 min read
Manufacturing plants across India are discovering that groundwater depletion, pollution enforcement, and seasonal allocation curbs can interrupt production without a classic fire or machinery event, forcing risk managers to rethink captives, contingent supply arrangements, environmental liability, and the narrow limits of ordinary property and business interruption cover.
By Tarun Kumar Singh
Claims & Loss Prevention - April 17, 2026 - 6 min read
Indian corporates are now facing payment diversion losses driven by voice cloning, fake video approvals, and compromised vendor master data, forcing a sharper reading of social engineering fraud extensions, computer crime wording, and the boundary between cyber policies, crime policies, and internal financial controls.
By Sarvada Editorial Team
Claims & Loss Prevention - April 17, 2026 - 6 min read
Survey preparation is well understood for fire and property losses, but cargo, machinery, and liability claims have their own evidence rules. Here is what Indian businesses must prepare before the surveyor arrives.
By Tarun Kumar Singh
Insurance Products - April 16, 2026 - 6 min read
Delay in Start-Up and Advance Loss of Profit cover has become central to financing Indian renewable, transmission, and industrial projects, with claim outcomes depending on critical path discipline, indemnity period sizing, debt service assumptions, and the interface between CAR or EAR damage clauses and revenue commencement tests.
By Sarvada Editorial Team
Market & Trends - April 15, 2026 - 5 min read
Indian health insurance has scaled faster than its retention capacity. The result is a market increasingly dependent on a small set of reinsurers, with concentration and pricing risk that policyholders and regulators have only begun to confront.
By Tarun Kumar Singh
Regulation & Compliance - April 15, 2026 - 9 min read
Full SEBI LODR disclosure playbook for insurance events beyond Regulation 30. Related party rules for captive premium, BRSR ESG insurance disclosures, common pitfalls, and SEBI adjudication precedent with practical templates.
By Tarun Kumar Singh
AI & Insurtech - April 15, 2026 - 16 min read
Indian insurers are turning to synthetic data generation to train underwriting, pricing, and fraud models without breaching the DPDP Act 2023, with practical guidance on GANs, diffusion models, tabular synthesis tools, differential privacy accounting, and IRDAI expectations for model validation.
By Sarvada Editorial Team
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