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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
October 8, 2026
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1513 articles
Claims & Loss Prevention - January 16, 2026 - 7 min read
A technical deep-look at BI claims calculation under Indian commercial policies. Gross profit definition, indemnity period, savings clauses, and disputes.
By Sarvada Editorial Team
Risk Management Strategies - January 16, 2026 - 7 min read
How indemnity clauses, hold harmless agreements, and insurance requirements in Indian commercial contracts interact with actual coverage.
By Tarun Kumar Singh
Claims & Loss Prevention - January 16, 2026 - 7 min read
Preventive maintenance strategies, condition monitoring, and machinery breakdown insurance alignment to reduce industrial losses in Indian manufacturing.
By Sarvada Editorial Team
Operations & Best Practices - January 15, 2026 - 3 min read
Should your business work with an insurance broker or agent for commercial cover? Understand the regulatory differences, service models, and practical considerations for Indian businesses.
By Tarun Kumar Singh
Insurance for Startups & New Economy - January 15, 2026 - 15 min read
Indian healthtech and telemedicine platforms face a unique convergence of medical malpractice risk, health data privacy obligations under the DPDP Act, and regulatory exposure under the Telemedicine Practice Guidelines 2020. This guide breaks down the insurance covers every digital health company should carry.
By Sarvada Editorial Team
Global & Cross-Border Insurance - January 15, 2026 - 7 min read
How Indian exporters and manufacturers can protect receivables with trade credit insurance, including ECGC vs private insurers, policy types, and claims process.
By Sarvada Editorial Team
Underwriting & Risk - January 14, 2026 - 7 min read
How Indian insurers structure coinsurance panels for large commercial risks, including leader-follower dynamics, market agreements, and IRDAI regulatory requirements.
By Tarun Kumar Singh
Risk Management Strategies - January 14, 2026 - 28 min read
A quantitative framework for deductible optimisation in Indian commercial insurance, covering loss history analysis, breakeven deductible calculation, and worked examples showing when higher self-retention saves money and when it does not.
By Tarun Kumar Singh
Market & Trends - January 14, 2026 - 3 min read
An analysis of why India's 63 million MSMEs remain severely underinsured, and what insurers can do to close the commercial insurance protection gap.
By Sarvada Editorial Team
Regulation & Compliance - January 13, 2026 - 14 min read
How the Digital Personal Data Protection Act 2023 reshapes data collection, consent, retention, and cross-border transfers for Indian insurance companies: with practical compliance steps for underwriting, claims, and reinsurance operations.
By Tarun Kumar Singh
Regulation & Compliance - January 13, 2026 - 13 min read
The Insurance Amendment Bill 2025 introduces transformative changes to India's field -- 100% FDI allowance, composite licensing, micro-insurance mandates, and demutualisation provisions. This analysis examines the Bill's key provisions, their implications for market competition, distribution channels, product innovation, and underwriting practices, and what commercial insurers must prepare for.
By Tarun Kumar Singh
Claims & Loss Prevention - January 13, 2026 - 7 min read
A practical guide to marine cargo claims in India: joint survey protocols, documentation under Institute Cargo Clauses, and settlement best practices.
By Sarvada Editorial Team
Insurance Products - January 12, 2026 - 3 min read
India's infrastructure push demands effective engineering insurance. This guide explains Contractors All Risks, Erection All Risks, and Machinery Breakdown policies for Indian project stakeholders.
By Sarvada Editorial Team
Insurance for Startups & New Economy - January 12, 2026 - 7 min read
A practical guide mapping minimum insurance requirements for Indian startups, from D&O to cyber, with budget prioritisation advice for founders.
By Sarvada Editorial Team
Risk Management Strategies - January 12, 2026 - 15 min read
A practical guide for Indian mid-market companies with INR 100-500 crore revenue to define risk appetite, translate it into retention and transfer decisions, and build board-level governance around insurance programme design.
By Tarun Kumar Singh
Operations & Best Practices - January 11, 2026 - 7 min read
How Indian insurers can build clean underwriting and claims databases to power analytics, AI adoption, and regulatory compliance with IRDAI standards.
By Tarun Kumar Singh
Operations & Best Practices - January 11, 2026 - 8 min read
A step-by-step 90-day renewal roadmap covering data gathering, market sounding, negotiation, binding, and post-placement review for Indian businesses.
By Tarun Kumar Singh
Underwriting & Risk - January 11, 2026 - 3 min read
How Indian non-life insurers should interpret, benchmark, and act on loss ratio data to improve underwriting profitability across commercial lines.
By Tarun Kumar Singh
Insurance for Startups & New Economy - January 10, 2026 - 8 min read
How Indian SaaS companies and digital platforms should design cyber insurance programmes covering technology E&O, DPDP Act exposure, and API-era risks.
By Sarvada Editorial Team
Industry Risk Profiles - January 10, 2026 - 7 min read
Insurance for Indian thermal plants, hydro facilities, and transmission infrastructure against operational, regulatory, and fuel risks.
By Sarvada Editorial Team
Regulation & Compliance - January 10, 2026 - 3 min read
The Public Liability Insurance Act 1991 mandates coverage for businesses handling hazardous substances. This guide breaks down compliance requirements, policy structures, and common pitfalls for Indian manufacturers.
By Tarun Kumar Singh
Operations & Best Practices - January 9, 2026 - 3 min read
Recruiting and developing skilled underwriters is a persistent challenge for Indian insurers. Here is a practical framework for building a high-performing commercial underwriting team.
By Tarun Kumar Singh
Regulation & Compliance - January 9, 2026 - 7 min read
How the Social Security Code 2020 reshapes gratuity, ESI, and workers' compensation obligations: and what it means for commercial group insurance.
By Tarun Kumar Singh
Market & Trends - January 9, 2026 - 15 min read
An analysis of India's specialty lines insurance segment covering Directors and Officers liability, cyber insurance, professional indemnity, and warranty and indemnity products. Covers market size estimates, growth drivers, regulatory catalysts, and how India compares with mature specialty markets.
By Sarvada Editorial Team
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