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October 8, 2026
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1513 articles
Claims & Loss Prevention - September 6, 2026 - 10 min read
A High Court has asked IRDAI to review the rules on registration certificates surviving total-loss settlements. The sequence a fleet should run when it writes off a commercial vehicle, from settlement basis to RTO acknowledgement to the salvage invoice.
By Sarvada Editorial Team
Insurance for Startups & New Economy - September 6, 2026 - 11 min read
The US announced tariffs of up to 100% on imported drones on 14 August 2026, citing national security. For Indian UAV exporters the insurable question is narrow: trade credit answers insolvency and protracted default, not a buyer lawfully repricing under a change-in-law clause.
By Sarvada Editorial Team
Insurance Products - September 6, 2026 - 11 min read
Russian missiles struck the Kryvyi Rih steelworks associated with Lakshmi Mittal on 16 August 2026, damaging a blast furnace and power units and killing two workers. Standard property wordings exclude war on land absolutely and the Indian terrorism pool does not reach state military action overseas, which leaves standalone political violence cover as the only instrument, with limits Indian groups rarely read closely.
By Sarvada Editorial Team
Risk Management Strategies - September 6, 2026 - 11 min read
Apple began iPhone 18 Pro production in India in August 2026 and one estimate puts India at a fifth of global smartphone output within one to two years. The exposure that creates sits at single addresses in Tamil Nadu and Karnataka, split across an EMS contractor's property programme, a brand's contingent business interruption cover and an Indian insurer's per-location accumulation, with nobody adding the three together.
By Tarun Kumar Singh
Industry Risk Profiles - September 6, 2026 - 11 min read
The USFDA warning letter to Dabur's Silvassa facility in August 2026 cited CGMP violations and falsified records. For Indian exporters, a finding of that specific kind runs straight into the dishonesty exclusions in recall, product liability and D&O wordings, and into the disclosure question on next year's proposal form.
By Sarvada Editorial Team
Global & Cross-Border Insurance - September 5, 2026 - 10 min read
An Indian official said in August 2026 that India will put a vessel on the Northern Sea Route next year. Indian cargo and hull wordings treat high-latitude navigation as an excluded trading limit, not a priced risk, and an exporter offered an Arctic transit needs to work through four clauses before the fixture is signed.
By Sarvada Editorial Team
Operations & Best Practices - September 5, 2026 - 10 min read
PB Fintech said in August 2026 that its broking arm had received an IRDAI show-cause notice arising from a 2024 inspection. The gap between the site visit and the notice is roughly two years, which is longer than most broking firms keep placement files, chat logs and remuneration workings in retrievable form.
By Tarun Kumar Singh
Insurance for Startups & New Economy - September 5, 2026 - 10 min read
Uttar Pradesh has notified aggregator rules capping dynamic fares at 50 per cent above base fare, making operating licences compulsory and pulling delivery into scope. With Karnataka's levy in litigation and Maharashtra's draft pending, platforms need one national programme evidenced state by state.
By Sarvada Editorial Team
Underwriting & Risk - September 5, 2026 - 10 min read
Festive hiring is set to add up to 2.7 lakh gig jobs, but most platform GPA and employees' compensation programmes are rated on a headcount declared at inception. Here is how the declaration adjusts, where principal-employer liability sits, and what to fix before the first surge week.
By Tarun Kumar Singh
Insurance Products - September 5, 2026 - 10 min read
Tata AIG's Corporate Health Protection Pulse 2026 found that 88 percent of covered employees call continuous cover through a job change essential and only 40 percent know their options. The continuity toolkit exists. The failure is that nobody hands it to the employee in time.
By Sarvada Editorial Team
Risk Management Strategies - September 5, 2026 - 11 min read
Two Indian IT majors publicly rejected hacker claims about employee data in August 2026. An unverified allegation can still be a notifiable circumstance under claims-made cyber, D&O and tech E&O wordings, and the public denial becomes evidence of what the insured knew and when.
By Tarun Kumar Singh
Industry Risk Profiles - September 5, 2026 - 10 min read
The Ministry of Heavy Industries received 20 bids under the Rs 7,280 crore rare earth permanent magnet scheme in August 2026, and five winners will build an occupancy Indian property underwriters have no rating class for. Here is the risk profile, built from the process, and the cover checklist before the first programme is placed.
By Sarvada Editorial Team
Underwriting & Risk - September 5, 2026 - 11 min read
Financial Express reported on 20 August 2026 that Indian solar project costs could rise about 20 percent in six to eight months. Erection all risks and ALOP sums insured were fixed at financial close, so the average clause now scales down every partial loss on the build, and the maximum indemnity period is a harder constraint than the sum insured.
By Tarun Kumar Singh
Insurance for Startups & New Economy - September 4, 2026 - 11 min read
Orvakal's 600-acre drone hub is going up while DGCA and the Quality Council of India draft the certification regime on a three-month clock. Here is the insurance stack a drone OEM needs in the gap, from design carve-backs to certification-triggered recall.
By Sarvada Editorial Team
Claims & Loss Prevention - September 4, 2026 - 10 min read
A parking-yard fire in Ramamurthy Nagar destroyed more than 300 electric vehicles in one night. The cover behind them was per-vehicle motor own damage with no single-location aggregate, and the yard itself was probably not on any fire policy schedule.
By Sarvada Editorial Team
Underwriting & Risk - September 4, 2026 - 11 min read
India's compulsory Public Liability (Act) pool shrank 6.2% to Rs 72.52 crore over April to July FY2026-27 while the wider liability book grew 10.9%. Here is what the Act's 1991 relief scales actually pay against what a multi-fatality process event costs, and the four-layer programme that closes the difference.
By Tarun Kumar Singh
Insurance Products - September 4, 2026 - 9 min read
In one fortnight the General Insurance Council floated a standing insurer-hospital dispute panel and reporting emerged that an IRDAI-chaired group is weighing benchmark treatment rates, with recommendations expected by end-2026. Here is what that would change in a group mediclaim quote, and what it would not.
By Sarvada Editorial Team
Risk Management Strategies - September 4, 2026 - 10 min read
TCS, HCL and Hexaware were named in an August 2026 Azure exfiltration campaign driven by infostealer credentials. For an Indian IT vendor the expensive exposure is the client indemnity, which answers under technology errors and omissions rather than the cyber policy.
By Tarun Kumar Singh
Industry Risk Profiles - September 4, 2026 - 10 min read
Industry crop premium for April to July FY2026-27 fell 66.6% year on year to Rs 1,183.06 crore, and the two most active specialist crop carriers lost most of their book. Here is what a thinner pool does to agribusiness cover, and the insurer-security routine to run before renewal.
By Sarvada Editorial Team
Global & Cross-Border Insurance - September 4, 2026 - 10 min read
Vizhinjam began direct export-import operations on 18 August 2026, letting South Indian shippers drop the Colombo or Singapore feeder leg. That routing change breaks three assumptions in most Indian marine open covers: the named ports schedule, the transit clause and the per-location accumulation limit. What to endorse before the first sailing.
By Sarvada Editorial Team
AI & Insurtech - September 4, 2026 - 10 min read
Acko, Navi, InRisk Labs and Turtlemint all produced capital headlines in three weeks of August 2026. Most of that money lands in retail motor and health. The part a commercial buyer should track is what an IPO runway does to commission economics, servicing headcount and data portability at the intermediary placing the programme.
By Sarvada Editorial Team
Operations & Best Practices - September 4, 2026 - 11 min read
Hansa Research's 2026 study put industry health NPS at 50%, down from 55%, with 40% of claimants reporting at least one issue. Corporate group health tenders score settlement ratio and premium and almost never score member experience. A five-metric module for the insurer and TPA scorecard, the data to demand, and how to write a service commitment an insurer will actually sign.
By Tarun Kumar Singh
Market & Trends - September 3, 2026 - 10 min read
BCG put Indian general insurance at Rs 3.36 lakh crore in FY26 and reported a stated pivot from growth to underwriting profit. For a commercial buyer that is a cycle turn announced in advance, and it changes what to lock, what to leave annual, and what to restructure.
By Sarvada Editorial Team
Claims & Loss Prevention - September 3, 2026 - 11 min read
The Panama-flagged MV Ocean Winner went down off Paradip on 22 August 2026 with a full iron ore cargo. This is the sequence an Indian marine cargo claim runs when the ship does not come back: which ICC(A) heads pay, why general average drops out, where the carrier's liability cap bites, and how FOB or CIF decides whose insurer is on risk.
By Sarvada Editorial Team
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