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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
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1277 articles
Underwriting & Risk - January 26, 2026 - 7 min read
How Indian underwriters can assess drone operations, EV fleet exposures, and lithium-ion BESS facilities with practical pricing and risk selection guidance.
By Tarun Kumar Singh
Insurance for Startups & New Economy - January 25, 2026 - 25 min read
A practical guide for Indian direct-to-consumer brands in beauty, food, wellness, and apparel, identifying the specific insurance gaps that most D2C founders overlook, from product liability for cosmetics and ingestibles to DPDP Act exposure from customer data collection at scale.
By Sarvada Editorial Team
Risk Management Strategies - January 25, 2026 - 7 min read
How Indian businesses can use installment premiums, financing arrangements, and cash flow strategies to manage large commercial insurance spends effectively.
By Tarun Kumar Singh
Market & Trends - January 25, 2026 - 3 min read
Key reinsurance market trends affecting Indian non-life insurers in 2026, including from GIC Re's role to global capacity shifts, pricing, and regulatory developments.
By Sarvada Editorial Team
Insurance for Startups & New Economy - January 24, 2026 - 16 min read
Indian edtech companies face content errors and omissions risk, IP infringement exposure, and student data obligations under the DPDP Act. This guide details the insurance covers that edtech founders should carry to protect against syllabus errors, platform liability for third-party content, and regulatory penalties.
By Sarvada Editorial Team
Underwriting & Risk - January 24, 2026 - 3 min read
How Indian commercial underwriters can identify, assess, and mitigate moral hazard. The risk that insurance coverage itself changes the policyholder's behaviour.
By Tarun Kumar Singh
Operations & Best Practices - January 24, 2026 - 15 min read
A practical guide for Indian commercial policyholders and brokers on interpreting insurance policy wordings — covering recitals, operative clauses, conditions precedent, exclusion schedules, endorsements, and negotiation strategies at placement stage, with references to Indian Contract Act 1872, IRDAI standardised wordings, and key Supreme Court judgments.
By Tarun Kumar Singh
AI & Insurtech - January 23, 2026 - 3 min read
Computer vision is enabling Indian insurers to assess property risks using satellite imagery, drone footage, and photographic evidence. From detecting construction quality to monitoring fire hazards, visual AI is transforming risk engineering.
By Sarvada Editorial Team
Regulation & Compliance - January 23, 2026 - 8 min read
How National Building Code 2016 fire norms, BIS standards, and TAC guidelines affect insurance underwriting, premiums, and claims for Indian commercial properties.
By Tarun Kumar Singh
Regulation & Compliance - January 23, 2026 - 9 min read
How SEBI's BRSR mandates create new D&O exposure, greenwashing liability risk, and insurance implications for listed Indian companies and directors.
By Tarun Kumar Singh
AI & Insurtech - January 22, 2026 - 11 min read
An honest assessment of blockchain applications in Indian insurance (from parametric claim auto-settlement and coinsurance reconciliation to IRDAI sandbox experiments) separating genuine use cases from overhyped promises.
By Sarvada Editorial Team
Underwriting & Risk - January 22, 2026 - 7 min read
How Indian commercial insurers are transitioning from tariff-legacy pricing to genuine risk-based pricing using exposure, experience, and judgment rating.
By Tarun Kumar Singh
Risk Management Strategies - January 22, 2026 - 16 min read
Methods for Indian manufacturers to quantify supply chain risks, map them against insurance coverage, and identify gaps in contingent business interruption and supply chain extensions that leave critical dependencies unprotected.
By Tarun Kumar Singh
Industry Risk Profiles - January 21, 2026 - 3 min read
India's IT services industry powers global digital infrastructure but faces mounting cyber risk and professional liability exposure. A wide-ranging look at the field for India's technology sector.
By Sarvada Editorial Team
Claims & Loss Prevention - January 21, 2026 - 8 min read
A step-by-step guide to defending commercial liability claims in India, from incident reporting through legal proceedings, with tips to preserve coverage.
By Sarvada Editorial Team
Claims & Loss Prevention - January 21, 2026 - 4 min read
Licensed surveyors are the linchpin of commercial claim settlements in India. Understand how surveyors operate, what powers IRDAI grants them, and how businesses can work effectively with them to ensure fair claim outcomes.
By Sarvada Editorial Team
Insurance Products - January 20, 2026 - 3 min read
D&O liability insurance shields directors and officers from personal financial exposure arising from regulatory actions, shareholder suits, and corporate governance failures in India.
By Sarvada Editorial Team
Claims & Loss Prevention - January 20, 2026 - 16 min read
A practical guide to managing earthquake insurance claims in India, covering notification protocols during catastrophe events, mass survey coordination, earthquake deductible methodology, structural damage assessment, the 72-hour occurrence clause, and lessons from Bhuj 2001, Sikkim 2011, and Nepal 2015 border-area claims.
By Sarvada Editorial Team
Market & Trends - January 20, 2026 - 16 min read
A detailed examination of how Indian commercial insurance risks are placed at Lloyd's of London, tracing the broker chain from Indian intermediary to London syndicate. Covers pricing mechanisms, capacity allocation, treaty versus facultative placement, and practical implications for Indian buyers.
By Sarvada Editorial Team
Risk Management Strategies - January 19, 2026 - 29 min read
A structured methodology for Indian risk managers to identify and map single points of failure across operations, supply chain, technology, and people, distinguishing between risks that insurance can cover and those requiring operational mitigation.
By Tarun Kumar Singh
Regulation & Compliance - January 19, 2026 - 3 min read
The Consumer Protection Act 2019 has expanded policyholder rights and changed the dispute resolution space for Indian insurers. Understand the key provisions that affect underwriting and claims.
By Tarun Kumar Singh
Regulation & Compliance - January 19, 2026 - 8 min read
Understand the composite licence framework under India's Insurance Amendment Bill 2025, its implementation timeline, and strategic impact on commercial buyers.
By Tarun Kumar Singh
Underwriting & Risk - January 18, 2026 - 3 min read
How catastrophe modelling tools and techniques apply to the Indian subcontinent's unique natural hazard profile, from cyclones to earthquakes, and what underwriters need to know.
By Tarun Kumar Singh
Insurance Products - January 18, 2026 - 8 min read
Difference between umbrella and excess liability policies, when Indian businesses need layered liability programmes, and tower placement strategies.
By Sarvada Editorial Team
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