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October 8, 2026
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1513 articles
Claims & Loss Prevention - August 31, 2026 - 11 min read
Tata Motors halted production at Sanand in late July 2026 because of the Gujarat floods. Suppliers with dry plants and no orders recover nothing unless they bought a customers extension. The four questions that decide the claim.
By Sarvada Editorial Team
AI & Insurtech - August 31, 2026 - 10 min read
A Forrester Consulting survey found 86% of organisations past the AI agent pilot stage but only 34% trusting what their agents do, with $2.1 million in average added costs for those deploying without governance. Here is how those four cost buckets sort into an Indian corporate insurance tower, and what the proposal form now asks.
By Sarvada Editorial Team
Regulation & Compliance - August 31, 2026 - 10 min read
IRDAI now requires general and health insurers to file gross direct premium, claims paid (direct) and investment income every month for the Index of Service Production. Here is what the circular mandates, and what a monthly claims-paid number can and cannot tell a commercial buyer about an insurer.
By Tarun Kumar Singh
Insurance for Startups & New Economy - August 31, 2026 - 11 min read
Maharashtra's transport department has drafted amendments to the Bike-Taxi Rules, 2025 that would license quick commerce and food delivery platforms as transport operators, with an EV fleet mandate, an insurance cover obligation and a 2 per cent per-ride welfare levy. For platform risk managers and their 3PL vendors, the draft is a procurement problem, not a policy debate.
By Sarvada Editorial Team
Risk Management Strategies - August 31, 2026 - 11 min read
Willis told data centre owners in July 2026 that the market can assemble roughly US$15 billion for a single large-scale risk, and that many buyers are already holding more capacity than their quantified exposure justifies. For Indian AI campus developers, that turns limit setting into a modelling question rather than a term-sheet question.
By Tarun Kumar Singh
Underwriting & Risk - August 31, 2026 - 10 min read
Regulators are weighing bringing insurance surety bonds under the RBI's CRILC, closing the gap where bank guarantees are visible to lenders and surety bonds are not. What a contractor CFO, a surety underwriter and a broker should each model before the next bond issuance.
By Tarun Kumar Singh
Claims & Loss Prevention - August 31, 2026 - 11 min read
The General Insurance Council's July 2026 advisory on fever admissions pushes uncomplicated cases toward outpatient care. For employers this is a group mediclaim pre-auth problem, and the fix is a documentation protocol built around the Council's own deviation carve-out.
By Sarvada Editorial Team
Global & Cross-Border Insurance - August 31, 2026 - 9 min read
The Supreme Court held in Oriental Insurance v. Durg Roadways that a motor policy's Limitations as to Use clause imposes no territorial limit, so cover followed a valid permit into Nepal without any extra premium. What that protects, and what it does not.
By Sarvada Editorial Team
Insurance Products - August 29, 2026 - 11 min read
A Tiruppur exporter's fabric spends more days at dyeing, printing, embroidery and stitching units than it does inside the exporter's own factory, and a standard fire policy covers stock at the declared premises only. This sets out where the job-work gap sits, how a declaration floater or a stock throughput policy closes it, and what to demand in writing from each job worker before goods leave the gate.
By Sarvada Editorial Team
Risk Management Strategies - August 29, 2026 - 8 min read
Personal accident premium fell in July 2026 while the labour code wage definition raised gratuity, provident fund and compensation exposures. Here is how to re-derive a group personal accident sum insured from the new wage base, and where the mismatch surfaces at claim stage.
By Tarun Kumar Singh
Global & Cross-Border Insurance - August 29, 2026 - 9 min read
Marsh's Q2 2026 index puts the India, Middle East and Africa composite down 16 per cent while casualty rose 2 per cent globally on US claims severity. An Indian exporter renewing property and a US products liability tower in the same quarter will watch the two move in opposite directions.
By Sarvada Editorial Team
Industry Risk Profiles - August 29, 2026 - 10 min read
A fire at a printed circuit board unit in Greater Noida killed two firefighters on 4 August 2026, weeks before MeitY cleared a fresh tranche of electronics component approvals. Component plants stack solvent cleaning, plating chemistry, lithium cells, high-value copper and gold stock and dense cleanroom construction into one occupancy that Indian fire underwriters have thin loss history for.
By Sarvada Editorial Team
Insurance Products - August 29, 2026 - 11 min read
Jammu and Kashmir has recorded 35 cloudbursts in 2026 and the Jammu-Srinagar national highway keeps shutting under landslides and shooting stones. This is what a marine cargo policy does and does not pay when a consignment sits on a closed road for days.
By Sarvada Editorial Team
Insurance for Startups & New Economy - August 29, 2026 - 9 min read
Tokio Marine Group's strategic investment in specialist carbon credit insurer Kita puts a large balance sheet behind delivery, invalidation and reversal cover. Here is what those wordings respond to and how they interact with a forward purchase agreement.
By Sarvada Editorial Team
Global & Cross-Border Insurance - August 29, 2026 - 10 min read
IFSCA has floated regulations for mutual insurers, mutual reinsurers and Protection and Indemnity clubs in the IFSC. Here is what mutuality means for an Indian shipowner or charterer, and why GIFT City is the only plausible domicile.
By Sarvada Editorial Team
AI & Insurtech - August 29, 2026 - 9 min read
IRDAI told regulated entities selling insurance on digital platforms to self-assess against the CCPA dark pattern guidelines, then brought in the Institute of Public Auditors of India to watch the sector for nine months. Intermediaries are regulated entities, and the gated quote is already named.
By Sarvada Editorial Team
Global & Cross-Border Insurance - August 29, 2026 - 10 min read
US tariffs on imported generics are set to rise to 100 per cent in 2028 and 200 per cent thereafter, and Indian formulators are already costing out US plants. A US site needs admitted paper, statutory workers compensation, and a products liability tower built for American defence costs.
By Sarvada Editorial Team
Underwriting & Risk - August 29, 2026 - 11 min read
July 2026 figures show standalone health insurers growing 29 per cent against 6 per cent for public sector general insurers. For a corporate whose group mediclaim has sat with the same PSU insurer for a decade, that gap is a counterparty question. This post sets out how to run a structured panel review on solvency, claims-turnaround and network-depth tests.
By Tarun Kumar Singh
Market & Trends - August 29, 2026 - 9 min read
New India Assurance grew gross premium 2.9 per cent in Q1 FY27, against 9 per cent industry growth in FY26, and posted a net loss of Rs 256.77 crore on a combined ratio of 121.44 per cent. If a PSU insurer leads your property or liability programme, that changes renewal appetite, large-claim authorisation speed and the case for reducing the leader's share.
By Sarvada Editorial Team
AI & Insurtech - August 29, 2026 - 10 min read
Rezolv's $12.5 million Series A for AI-native lending and debt collection was reported on 21 August 2026. When a machine runs the recovery conversation, the regulated lender absorbs the conduct and DPDP consequence while the vendor carries technology E&O. Here is how to split the exposure before the first automated call.
By Sarvada Editorial Team
Underwriting & Risk - August 29, 2026 - 10 min read
India's 1 April 2026 treaty renewals handed cedants risk-adjusted rate reductions of 20 to 30 per cent on loss-free property excess-of-loss programmes, priced off a quiet first half of 2026. The second half is now delivering: roughly Rs 5,000 crore of estimated insurer claims from the Gujarat rains and Rs 1,001.71 crore of recorded loss in Himachal Pradesh, which is what the April 2027 renewal will be priced against.
By Tarun Kumar Singh
Risk Management Strategies - August 29, 2026 - 10 min read
A property insurer just raised a Series A on the promise of discounting premium for verified wildfire mitigation. Indian factories spend on sprinklers, hydrants and hot-work controls and get no written rating benefit. The fix is to make the credit contractual at renewal.
By Tarun Kumar Singh
Risk Management Strategies - August 29, 2026 - 10 min read
Indian crude imports are estimated at 4.17 million bpd for August 2026, the lowest since the Iran conflict began, as Russian barrels thin out. The financial exposure sits downstream with petrochemical, plastics, lubricant, city-gas and bitumen buyers, and most corporate insurance programmes do not respond to a run cut caused by sourcing rather than fire.
By Tarun Kumar Singh
Underwriting & Risk - August 28, 2026 - 10 min read
MoRTH's draft amendment to the Central Motor Vehicles Rules, issued on 3 August 2026, opens the way for phased vehicle-to-vehicle communication in Indian motor vehicles. For a logistics operator it adds a software supply chain, a data trail and a liability question that motor, product liability and cyber wordings currently split badly between them.
By Tarun Kumar Singh
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