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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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August 16, 2026
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1217 articles
Regulation & Compliance - July 11, 2026 - 8 min read
A point of sales person may solicit only the products IRDAI has approved as POS products: simple, standardised, pre-underwritten contracts. What is on the life list, where the non-life list started, what sits outside the scope, and how to check the operative list rather than a forwarded one.
By Tarun Kumar Singh
Operations & Best Practices - July 11, 2026 - 10 min read
The sequence from engagement to first policy runs through fifteen hours of in-house training, an examination the engaging entity runs on IRDAI's model syllabus, a certificate and appointment letter within fifteen days of passing, and a unique POS Code. The step most advisors get wrong: a POSP is tied to one principal at a time, so onboarding to a new one is a change of tie, not an addition.
By Tarun Kumar Singh
Operations & Best Practices - July 11, 2026 - 10 min read
A client book is not a list of names. It is one record per policy, linked to one household, carrying the dates, the cover, the POS Code and the money. Here is the field structure that survives a book of 300 policies, and why notebook, spreadsheet and chat-thread sprawl loses renewals you already earned.
By Tarun Kumar Singh
Operations & Best Practices - July 10, 2026 - 10 min read
How Indian insurance brokers should recognise commission income under Ind AS 115: identifying performance obligations at placement versus over the servicing period, treating clawbacks as variable consideration, accounting for trail and renewal commission, and modelling how the proposed staggered-commission regime would reshape the P&L.
By Tarun Kumar Singh
Operations & Best Practices - July 10, 2026 - 9 min read
How brokers win and survive government and PSU insurance mandates: tender-driven selection, GeM and RFP documentation, the L1 race that turns remuneration into the bidding variable, service-level commitments that outlast the fee, and how to price an account you must serve for three years.
By Tarun Kumar Singh
Operations & Best Practices - July 10, 2026 - 9 min read
IRDAI has signalled a move toward effort-based remuneration that pays more for advisory, documentation and claims servicing. This post sets out the operational data a broker should start capturing now: CRM activity logs, claims-advocacy records, renewal review minutes, endorsement handling statistics, and the architecture that makes the evidence audit-grade.
By Tarun Kumar Singh
Regulation & Compliance - July 10, 2026 - 10 min read
IRDAI has signalled a consultation paper on distribution remuneration by end-July 2026, with trail commissions, effort-based pay, and caps by product, tenure, and complexity all under discussion. What each proposal would do to a broking P&L, the data pack a firm should assemble now, and a playbook for writing a submission that gets read.
By Tarun Kumar Singh
Market & Trends - July 9, 2026 - 10 min read
How employee-benefits brokers in India earn on group health and allied benefits in 2026: commission versus fee versus hybrid models, add-on and wellness income, the squeeze from insurer loss ratios, and why documented servicing depth is becoming the basis for defending remuneration as IRDAI moves toward effort-based commission rules.
By Sarvada Editorial Team
Market & Trends - July 9, 2026 - 10 min read
A working playbook for small and regional Indian broking firms facing commission reform and rising compliance cost: niche specialisation, servicing depth as a moat under effort-based pay, shared back-office utilities, and a clear-eyed view of when to join a network or sell.
By Sarvada Editorial Team
Market & Trends - July 9, 2026 - 8 min read
As commission reform and EOM discipline squeeze commodity-line brokerage, specialty lines are holding their economics. The placement effort, limited panels, and wording negotiation behind that resilience, and what it means for broker product strategy in 2026.
By Sarvada Editorial Team
AI & Insurtech - July 9, 2026 - 9 min read
How brokers use AI and computer-vision valuation, benchmarked against live construction and plant-and-machinery cost data, to detect underinsured sums insured before renewal so the average clause never bites at claim time.
By Sarvada Editorial Team
Market & Trends - July 9, 2026 - 10 min read
Rising employee dishonesty, social-engineering fraud and third-party crime are pulling commercial crime insurance India and fidelity guarantee cover onto the boardroom agenda in 2026, and the IRDAI fraud monitoring framework has sharpened the scrutiny for buyers and underwriters alike.
By Sarvada Editorial Team
Underwriting & Risk - July 9, 2026 - 8 min read
How brokers structure fire declaration and floater covers for traders, FMCG distributors and warehousers with volatile stock values, using monthly declarations and provisional premium to avoid the average clause while insurers re-rate accumulation after GST-driven warehouse consolidation.
By Tarun Kumar Singh
Insurance Products - July 9, 2026 - 9 min read
Media liability insurance covers the defamation, intellectual-property infringement and content-clearance exposures that OTT platforms, digital publishers, influencers and advertising agencies carry, a risk that sharpened once the IT Rules 2021 recast streaming and digital news as publishers and the Section 79 safe harbour narrowed.
By Sarvada Editorial Team
Risk Management Strategies - July 9, 2026 - 9 min read
A National Natural Catastrophe Risk Insurance Pool is in active design, but no statutory mandate exists yet. This is a decision memo on whether corporate risk managers should lock STFI, earthquake and parametric cover now or wait.
By Tarun Kumar Singh
Operations & Best Practices - July 9, 2026 - 10 min read
A quality-assurance discipline for Indian commercial brokers to reconcile the insurer-issued policy against the agreed quote and placing slip before delivery, catching mismatches in sum insured, warranties, add-ons, and clauses before they become claim-stage disputes.
By Tarun Kumar Singh
Claims & Loss Prevention - July 9, 2026 - 10 min read
When an OT attack physically damages plant, the property insurer cites its cyber exclusion and the cyber insurer cites its physical-damage carve-out. This is a claims-recovery playbook for proving the trigger, sequencing both notifications, and closing the silent-cyber gap.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 9, 2026 - 10 min read
The inventory-led used-car platform owns refurbished stock across yards, runs workshops, and sells warranties. This 2026 guide maps the floater, workmanship, motor-trade road-risk, and warranty-product covers those exposures demand.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 10 min read
The unit economics of group health broking in 2026: why premium inflation no longer translates into brokerage growth, how claims ratios above 100 percent turn insurers against distribution cost, what endorsement volumes, claims desks, and NHCX workflows actually cost, and the portfolio strategies that keep an EB book profitable.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 9 min read
The 2026 commission-reform pipeline is repricing Indian broker M&A. How buyers now grade revenue quality across upfront, renewal, and fee income, the diligence questions that decide multiples, and earn-out structures that share regulatory risk between buyer and seller.
By Sarvada Editorial Team
Market & Trends - July 8, 2026 - 9 min read
IRDAI's reported commission overhaul targets passive bank-channel selling and proposes paying more for advisory, documentation, and claims servicing. What that means for banca economics, and how brokers can win corporate and SME accounts currently sold through bank channels.
By Sarvada Editorial Team
Insurance for Startups & New Economy - July 8, 2026 - 8 min read
A broker's guide to insuring online pharmacy platforms in India, covering pharmacist dispensing indemnity, product liability for substituted or falsified drugs, last-mile cold-chain spoilage, and DPDP health-data breach exposure under the October 2025 draft Drugs, Medical Devices and Cosmetics Act.
By Sarvada Editorial Team
Insurance Products - July 8, 2026 - 8 min read
Freight forwarders liability insurance answers the errors-and-omissions, misdelivery and documentary exposures a marine cargo policy never touches. Here is how brokers should structure FFL cover for NVOCCs and multimodal operators after the Bills of Lading Act 2025 reset where title and rights of suit sit.
By Sarvada Editorial Team
Operations & Best Practices - July 8, 2026 - 10 min read
A working guide to running a corporate group mediclaim programme in 2026: managing the CD account float, pricing mid-term member additions and deletions, keeping enrolment data clean, and reconciling the CD balance against TPA and insurer statements.
By Tarun Kumar Singh
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