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Library
Regulator-sourced research, briefings, and editorial analysis
Topics
Underwriting, claims, insurance products, and regulation
Latest
August 23, 2026
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1277 articles
Insurance Products - February 3, 2026 - 3 min read
The Employees' Compensation Act, 1923 imposes strict liability on Indian employers for workplace injuries and occupational diseases. This guide explains coverage requirements, compensation calculations, and insurance strategies.
By Sarvada Editorial Team
Insurance Products - February 2, 2026 - 7 min read
Guide to CAR policy structure in India; material damage, third-party liability, ALOP extensions, and maintenance period coverage.
By Sarvada Editorial Team
Regulation & Compliance - February 2, 2026 - 3 min read
GST at 18% on insurance premiums significantly affects the total cost of commercial coverage in India. Understand the tax structure, input tax credit eligibility, and how to optimise your insurance spend.
By Tarun Kumar Singh
Risk Management Strategies - February 2, 2026 - 7 min read
A practical guide for diversified Indian groups on structuring master policies, subsidiary schedules, coinsurance panels, and choosing between centralised and decentralised insurance procurement models.
By Tarun Kumar Singh
Operations & Best Practices - February 1, 2026 - 7 min read
How insurance brokers add value through claims advocacy, from documentation support to insurer negotiation and dispute resolution under Indian regulations.
By Tarun Kumar Singh
Insurance for Startups & New Economy - February 1, 2026 - 28 min read
A guide for Indian fintech lenders on embedding insurance into the lending journey, covering group master policies for borrower collateral, API-based policy issuance, IRDAI regulatory requirements for embedded distribution, and claims workflows when collateral is damaged.
By Sarvada Editorial Team
Regulation & Compliance - February 1, 2026 - 12 min read
A full analysis of IRDAI's phased transition from Solvency I to a risk-based capital regime, covering its impact on underwriting capacity, reinsurance strategy, capital allocation, and line-of-business profitability for Indian non-life insurers.
By Tarun Kumar Singh
Operations & Best Practices - January 31, 2026 - 3 min read
Manual policy issuance processes cost Indian insurers time, money, and customer satisfaction. Here is how digital workflows can transform policy administration from days to minutes.
By Tarun Kumar Singh
Risk Management Strategies - January 31, 2026 - 16 min read
A practical framework for insurance due diligence in Indian M&A transactions, covering how acquirers evaluate the target's insurance programme adequacy, hidden liabilities, and integration planning with regulatory considerations.
By Tarun Kumar Singh
Claims & Loss Prevention - January 31, 2026 - 4 min read
Subrogation allows insurers to recover claim payouts from negligent third parties. Explore how subrogation works under Indian law, its impact on commercial policyholders, and why it matters for your business's claims experience.
By Sarvada Editorial Team
Underwriting & Risk - January 30, 2026 - 7 min read
A practical guide to facultative reinsurance placement in India, from structuring the slip to negotiating terms with reinsurers under IRDAI regulations.
By Tarun Kumar Singh
Claims & Loss Prevention - January 30, 2026 - 16 min read
A detailed guide to salvage rights and recovery processes in Indian commercial claims. Covering insurer salvage entitlements post-settlement, marine abandonment and constructive total loss under the Marine Insurance Act 1963, salvage sale procedures and auction protocols, scrap value disputes, and policyholder obligations for preserving damaged property.
By Sarvada Editorial Team
Operations & Best Practices - January 30, 2026 - 7 min read
How Indian employers and insurers should evaluate, onboard, and manage TPAs for group health, including SLA frameworks, cashless networks, and IRDAI TPA regulations.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 16 min read
A practical guide to determining the correct sum insured for Indian commercial properties -- covering reinstatement value vs. Market value vs. Book value, the devastating impact of underinsurance and the average clause, stock declaration policies, escalation clauses, professional valuation standards per IRDAI guidelines and RICS, and common valuation pitfalls across buildings, plant/machinery, and stock.
By Tarun Kumar Singh
Underwriting & Risk - January 29, 2026 - 3 min read
How Indian commercial insurers can apply structured data, analytics, and scoring models to make better risk selection decisions and improve portfolio profitability.
By Tarun Kumar Singh
Global & Cross-Border Insurance - January 29, 2026 - 17 min read
Indian companies establishing US subsidiaries face a complex insurance environment with state-level workers' compensation mandates, admitted carrier requirements, and liability exposures that differ dramatically from the Indian market. This guide covers regulatory requirements, essential coverages, and cost considerations.
By Sarvada Editorial Team
AI & Insurtech - January 28, 2026 - 3 min read
India's 63 million SMEs are chronically underinsured, partly because traditional underwriting is uneconomical for small commercial risks. Automated risk scoring models offer a path to profitable, scalable SME insurance coverage.
By Sarvada Editorial Team
Industry Risk Profiles - January 28, 2026 - 10 min read
A full look at insurance risks across India's automotive supply chain, from OEM assembly plants and Tier-1/2 suppliers to EV battery manufacturers and dealerships, with guidance on coverage structuring and regulatory compliance.
By Sarvada Editorial Team
Industry Risk Profiles - January 28, 2026 - 3 min read
India's food processing industry faces unique insurance challenges at the intersection of product safety, regulatory compliance, and supply chain complexity. Understanding recall risks and coverage options is essential.
By Sarvada Editorial Team
AI & Insurtech - January 27, 2026 - 13 min read
An in-depth look at how AI and machine learning are reshaping catastrophe modelling for India-specific perils such as monsoon floods, cyclones, and seismic events. This post covers why historical loss data alone is inadequate, how satellite imagery and IoT sensor feeds improve model accuracy, and the downstream effects on underwriting and pricing.
By Sarvada Editorial Team
Insurance Products - January 27, 2026 - 13 min read
A wide-ranging guide to Electronic Equipment Insurance (EEI) for Indian businesses — covering IT infrastructure, data centres, medical diagnostic equipment, and process control systems, with India-specific regulatory references and practical underwriting considerations.
By Sarvada Editorial Team
Regulation & Compliance - January 27, 2026 - 3 min read
KYC and anti-money laundering compliance is a critical obligation for Indian insurers. This guide covers IRDAI's KYC norms, PMLA requirements, and practical implementation for commercial underwriting.
By Tarun Kumar Singh
Insurance Products - January 26, 2026 - 4 min read
As cyber threats escalate across Indian enterprises, cyber insurance has become a boardroom priority. This detailed guide covers policy structures, CERT-In compliance, DPDP Act implications, and practical buying strategies for 2026.
By Sarvada Editorial Team
Global & Cross-Border Insurance - January 26, 2026 - 7 min read
How Incoterms 2020 allocate insurance responsibility, structuring open cover for frequent shippers, and managing marine claims under Indian law.
By Sarvada Editorial Team
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