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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
Industry Risk Profiles - April 7, 2026 - 9 min read
Insurance coverage for Indian printing and flexible-packaging manufacturers including ink and solvent fire risk, web-offset press machinery breakdown, product recall from food-contact packaging migrants, and cluster risks in Sivakasi.
By Sarvada Editorial Team
Regulation & Compliance - April 6, 2026 - 4 min read
The Factories Act 1948 imposes strict occupier duties under Section 7A and regulates hazardous processes under Sections 41B and 41F. This guide covers compliance obligations, worker compensation requirements, and the insurance solutions needed to manage occupier liability.
By Tarun Kumar Singh
Market & Trends - April 6, 2026 - 15 min read
How the Insurance Amendment Act 2025 and 100% FDI liberalisation are reshaping foreign reinsurer participation in India, covering Foreign Reinsurance Branch licensing, IFSCA and GIFT City overlap, the order-of-preference rule, capacity additions across property, engineering and specialty lines, and pricing implications for Indian corporate buyers at 2026 renewals.
By Sarvada Editorial Team
Underwriting & Risk - April 6, 2026 - 13 min read
How Indian group health underwriters actually price corporate risk: occupational hazard grading, pre-existing disease loadings, claims-experience renewal pricing, wellness data integration, and the practical impact of IRDAI's 2024 Master Circular on Health Insurance Business for mid-market employers.
By Tarun Kumar Singh
Market & Trends - April 5, 2026 - 5 min read
Replacement cost inflation (steel, cement, machinery), labour cost escalation, regulatory delays, and rising liability awards are driving claim severity inflation in Indian commercial property and liability. Insurers adjust reserves and pricing strategies.
By Sarvada Editorial Team
Regulation & Compliance - April 5, 2026 - 9 min read
Data Protection Board proceedings under the DPDP Act 2023. Penalty tiers up to INR 250 crore, enforcement triggers for insurers and TPAs, breach response SOPs, and cyber insurance coverage gaps on administrative fines.
By Tarun Kumar Singh
Risk Management Strategies - April 5, 2026 - 12 min read
How Indian corporates quantify environmental, social, and governance risks for insurance underwriting, the link between SEBI BRSR disclosures and underwriter data demands, and the pricing impact on D&O, property catastrophe, casualty, and reinsurance treaty support.
By Tarun Kumar Singh
Risk Management Strategies - April 4, 2026 - 9 min read
How Indian corporates quantify catastrophic loss exposure through PML and MFL methodologies, aggregate single-site and multi-site risks across flood, cyclone, earthquake, and fire scenarios, and use vendor models (RMS, Verisk AIR, CoreLogic) to drive insurance programme design.
By Tarun Kumar Singh
Regulation & Compliance - April 4, 2026 - 6 min read
The Central Electricity Authority (CEA) Safety Regulations 2010 govern electrical safety at switchyards, substations, captive generation, and rooftop solar installations. This guide covers third-party inspection requirements, common CEA compliance breaches, and insurance denial risks.
By Tarun Kumar Singh
Insurance Products - April 4, 2026 - 16 min read
Warranty and indemnity (W&I) insurance is no longer reserved for cross-border transactions. Indian domestic M&A deals, particularly PE exits, family succession sales, and promoter buyouts, are increasingly using W&I to separate economic closure from warranty risk. This guide covers policy structuring, retention and de minimis thresholds, pricing, carrier appetite, and Indian claim experience.
By Sarvada Editorial Team
Regulation & Compliance - April 3, 2026 - 15 min read
An examination of the Legal Metrology Act 2009 and Packaged Commodities Rules 2011, product labelling obligations, enforcement trends, and critical implications for product liability insurance coverage, recall costs, and defence liability for manufacturers and e-commerce sellers in India.
By Tarun Kumar Singh
Risk Management Strategies - April 3, 2026 - 18 min read
A practical guide to designing parametric triggers for Indian supply-chain disruption risk, covering port dwell time thresholds at JNPT and Mundra, monsoon rainfall indices, highway closure parametrics, fuel-price shock structures, basis risk mitigation, and the IRDAI sandbox and GIFT City IFSC reinsurance pathways that make these products viable for Indian manufacturers.
By Tarun Kumar Singh
Global & Cross-Border Insurance - April 3, 2026 - 11 min read
Surety bond requirements for Indian EPC contractors on overseas projects: bid bonds, performance bonds, advance payment bonds, and GIFT City issuance routes.
By Sarvada Editorial Team
Risk Management Strategies - April 2, 2026 - 12 min read
How Indian corporates and insurers can access insurance-linked securities and catastrophe bonds, understand SPV structures and trigger design, price deals against traditional reinsurance, and use GIFT City IFSCA frameworks to issue ILS from India.
By Tarun Kumar Singh
Regulation & Compliance - April 2, 2026 - 9 min read
Ind-AS 117 measurement models, Contractual Service Margin, onerous contract recognition, and transition approaches. Balance sheet, P&L volatility, and solvency ratio implications for Indian insurers and listed corporate policyholders.
By Tarun Kumar Singh
Regulation & Compliance - April 2, 2026 - 7 min read
IRDAI's Insurance Ombudsman Scheme 2017 (as amended 2021) provides a free, binding grievance mechanism for commercial policyholders up to INR 50 lakh. Understand the 17 ombudsman offices, territorial jurisdiction, complaint scope, and how this forum differs from Consumer Courts and arbitration.
By Tarun Kumar Singh
Claims & Loss Prevention - April 1, 2026 - 10 min read
A technical guide to Fidelity Guarantee (FG) claims under Indian insurance law. Scope of coverage, claim triggers, required evidence standards, and the intersection with internal audit and forensic investigation.
By Sarvada Editorial Team
Market & Trends - April 1, 2026 - 4 min read
The Insurance Amendment Bill 2025 raises FDI limits from 74% to 100% in India, unlocking foreign capital, enabling Lloyd's syndicates and global brokers to enter, and reshaping competitive dynamics for policyholders, underwriting capacity, and claims settlement.
By Sarvada Editorial Team
Industry Risk Profiles - April 1, 2026 - 6 min read
India's gems and jewellery sector faces unique risks from burglary, armed robbery, and in-transit loss. Jewellers Block policies, angadia networks, and PMLA compliance are critical for insurers and businesses across Surat, Mumbai SEEPZ, BKC, and the Bharat Diamond Bourse.
By Sarvada Editorial Team
Industry Risk Profiles - March 31, 2026 - 9 min read
Insurance requirements for Indian dairy cooperatives and private dairies including cold-chain logistics, milk adulteration liability, FSSAI compliance, refrigeration equipment breakdown, boiler risk in processing plants, and power outage business interruption.
By Sarvada Editorial Team
Market & Trends - March 31, 2026 - 9 min read
D2C platforms like Policybazaar B2B, SecureNow, and Turtlemint SME are reshaping SME insurance distribution in India. Bima Sugam's rollout and IRDAI standard products create new opportunities, but broker disintermediation risks and servicing gaps remain.
By Sarvada Editorial Team
Claims & Loss Prevention - March 31, 2026 - 9 min read
Work through D&O claims in India. Understand Side A (non-indemnifiable to directors), Side B (company reimbursement), Side C (securities claims), SEBI investigations, MCA prosecutions, and advance defence cost provisions.
By Sarvada Editorial Team
Claims & Loss Prevention - March 30, 2026 - 11 min read
When an insurer repudiates a legitimate commercial claim, Indian policyholders have stronger legal tools than most realise. This playbook walks through the five most common denial grounds, the defences available against each, and the tiered escalation path from internal grievance to Ombudsman, Consumer Forum, arbitration, and civil suit, including the evolving jurisprudence on bad-faith insurer conduct.
By Sarvada Editorial Team
Insurance Products - March 30, 2026 - 15 min read
How management liability policies extend beyond traditional D&O to cover employment practices liability, statutory prosecution defense, and director disqualification costs for Indian mid-market companies in the INR 100 crore to INR 5,000 crore turnover band.
By Sarvada Editorial Team
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