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Regulator-sourced research, briefings, and editorial analysis
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Underwriting, claims, insurance products, and regulation
Latest
October 8, 2026
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1513 articles
Operations & Best Practices - March 14, 2026 - 16 min read
How Indian companies can align their risk-based internal audit frameworks with insurance programme design, using the Companies Act 2013, SEBI LODR, and IRDAI requirements to close coverage gaps, reduce premium leakage, and build auditable evidence trails that strengthen claims outcomes.
By Tarun Kumar Singh
Risk Management Strategies - March 13, 2026 - 16 min read
An expert analysis of whether Indian cyber insurance policies actually cover ransomware extortion payments, how the IT Act 2000, DPDP Act 2023, and CERT-In directives shape the legal boundaries of paying threat actors, and why OFAC sanctions screening is now a non-negotiable step before any ransom disbursement.
By Tarun Kumar Singh
Insurance Products - March 13, 2026 - 14 min read
An expert analysis of how green building certifications from LEED, IGBC, and GRIHA affect commercial property insurance in India, covering valuation challenges, replacement cost disputes, specialised endorsements, and the IRDAI framework for insuring sustainable buildings.
By Sarvada Editorial Team
Industry Risk Profiles - March 13, 2026 - 15 min read
A practical guide to medical professional indemnity in India covering Consumer Protection Act 2019 service-deficiency triggers, NCDRC and SCDRC award trends, teleconsultation exposures under the Telemedicine Practice Guidelines 2020, claims-made versus occurrence policy design, and defense strategy drawing on Jacob Mathew and V Kishan Rao precedent.
By Sarvada Editorial Team
Operations & Best Practices - March 12, 2026 - 17 min read
A step-by-step guide to running a broker request for proposal (RFP) for commercial insurance in India, covering evaluation criteria beyond price, timeline planning, technical vs commercial scoring, common mistakes that companies make, and IRDAI broker licensing verification requirements.
By Tarun Kumar Singh
Industry Risk Profiles - March 12, 2026 - 12 min read
An expert analysis of the insurance challenges facing India's semiconductor fabrication ambitions under the India Semiconductor Mission, covering cleanroom perils, ultra-high asset concentrations, supply chain fragility, IP liability, environmental exposures, and how Indian insurers and IRDAI must adapt product design to underwrite a sector with no domestic loss history.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 12, 2026 - 17 min read
Indian Web3 and blockchain companies operate in a regulatory grey zone where standard insurance products often do not respond. This guide covers smart contract liability, custodial risk, D&O for crypto founders, and the limited but growing insurance options available in India and international markets.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 11, 2026 - 16 min read
Currency fluctuations between the Indian rupee and foreign currencies create real financial exposure in international insurance claims. This guide explains how exchange rate movements affect reinstatement values, claims settlements, and policy adequacy, with practical hedging strategies for Indian policyholders.
By Sarvada Editorial Team
Claims & Loss Prevention - March 11, 2026 - 14 min read
An expert analysis of how electric vehicle battery fires are creating new claims patterns in Indian commercial insurance, the role of BIS AIS-156 standards and thermal runaway science in loss adjustment, and where current motor and fire policies leave fleet operators and charging infrastructure owners exposed.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 11, 2026 - 14 min read
A detailed guide to structuring insurance programmes for Indian SaaS companies operating at unicorn scale, covering US E&O and cyber liability, D&O for IPO-track boards, IRDAI-admitted placements, surplus lines considerations, and the interplay between Indian master policies and local admitted covers in key revenue markets.
By Sarvada Editorial Team
AI & Insurtech - March 10, 2026 - 15 min read
How Indian commercial insurers are deploying graph analytics, social network analysis, and machine learning to detect organised fraud rings that evade traditional rule-based systems, with practical guidance on IRDAI compliance, data integration challenges, and implementation strategies for mid-market carriers.
By Sarvada Editorial Team
Underwriting & Risk - March 10, 2026 - 12 min read
A detailed guide to the three principal valuation methods used in Indian commercial property insurance, covering reinstatement value, market value, and indemnity basis, with practical guidance on IRDAI requirements, underinsurance penalties, and how valuation choice affects claim settlements.
By Tarun Kumar Singh
Claims & Loss Prevention - March 10, 2026 - 15 min read
How contingent business interruption coverage works in Indian commercial insurance, including trigger conditions, documentation requirements for proving supplier dependency, loss quantification methodology, common disputes between policyholders and insurers, and practical scenarios from Indian manufacturing and supply chain contexts.
By Sarvada Editorial Team
Operations & Best Practices - March 9, 2026 - 16 min read
A detailed analysis of how Indian factories can quantify the return on investment from loss prevention engineering programmes, covering fire protection, electrical safety, structural assessments, and machinery safeguarding, with real-world cost-benefit frameworks tied to IRDAI premium credits, Factories Act compliance, and BIS standards.
By Tarun Kumar Singh
Market & Trends - March 9, 2026 - 15 min read
An analysis of microinsurance products designed for India's MSME sector, covering the IRDAI regulatory framework, product design challenges, distribution through banks and fintechs, claims experience, and what is working versus what needs improvement.
By Sarvada Editorial Team
Industry Risk Profiles - March 9, 2026 - 14 min read
A detailed analysis of insurance risks embedded in Indian renewable energy PPAs, covering solar and wind project exposures from construction through operations, SECI and state discom offtake structures, revenue protection, and the IRDAI-regulated policy frameworks that underwriters and developers need to understand.
By Sarvada Editorial Team
Insurance for Startups & New Economy - March 8, 2026 - 16 min read
A detailed guide to liability insurance for Indian gig worker aggregators, covering the Social Security Code 2020 obligations, IRDAI product developments, vicarious liability exposure, worker injury claims, and how platforms should structure insurance programmes that satisfy both regulators and courts.
By Sarvada Editorial Team
AI & Insurtech - March 8, 2026 - 15 min read
An analysis of why Indian insurtechs face persistent regulatory headwinds despite IRDAI's stated support for innovation, covering sandbox programme design flaws, prohibitive capital requirements for insurance licenses, intermediary licensing friction, and what structural reforms are needed.
By Sarvada Editorial Team
Regulation & Compliance - March 8, 2026 - 12 min read
An expert analysis of IRDAI's claim settlement timeline regulations, how enforcement has evolved through recent circulars and penalty actions, and what commercial policyholders can do when insurers breach prescribed turnaround times for survey, offer, and payment.
By Tarun Kumar Singh
Risk Management Strategies - March 7, 2026 - 17 min read
A practical guide for Indian corporates to establish an in-house insurance and risk management function, covering reporting lines, skill requirements, broker and insurer relationship management, budgeting, and performance KPIs.
By Tarun Kumar Singh
Underwriting & Risk - March 7, 2026 - 14 min read
A detailed guide to how Indian corporates and their brokers should approach excess layer pricing, from primary attachment points and rate-on-line calculations to reinsurance-driven pricing dynamics, IRDAI considerations, and practical negotiation strategies for building efficient insurance towers.
By Tarun Kumar Singh
Market & Trends - March 7, 2026 - 14 min read
A deep analysis of underwriting profitability in India's non-life insurance sector, examining why combined ratios have historically hovered near or above 100%, how pricing cycles and IRDAI de-tariffing have shaped loss experience, and what structural changes are needed for Indian general insurers to sustain underwriting profits rather than relying on investment income to mask technical losses.
By Sarvada Editorial Team
Global & Cross-Border Insurance - March 6, 2026 - 18 min read
Indian IT companies and Global Capability Centres servicing EU clients face insurance implications from GDPR and DORA compliance requirements. This guide covers cyber insurance mandates, professional indemnity extensions, contractual liability, and how to structure coverage for EU regulatory exposure.
By Sarvada Editorial Team
AI & Insurtech - March 6, 2026 - 14 min read
How Indian commercial insurers and policyholders are using IoT-driven predictive maintenance to reduce equipment failure rates, lower claims frequency, and unlock meaningful premium reductions across property, engineering, and business interruption covers.
By Sarvada Editorial Team
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