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October 8, 2026
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1513 articles
Market & Trends - August 28, 2026 - 9 min read
July 2026 segment data moves brokerage revenue faster than it moves the market. A fire-weighted book can lose double digits in a year the industry still grows 5.7 percent. The arithmetic, and what to do with it before FY27 budgets close.
By Sarvada Editorial Team
Regulation & Compliance - August 28, 2026 - 8 min read
Industry asked IRDAI to waive the one-year cooling-off period where an intermediary registration was cancelled for technical or procedural reasons. IRDAI refused, and allowed the exemption only where cancellation was solely for non-payment of the annual fee. That single carve-out decides whether a lapsed registration costs a firm a payment cycle or twelve months out of the market.
By Tarun Kumar Singh
Insurance Products - August 28, 2026 - 9 min read
Individual health cover has been GST-exempt since 22 September 2025 while group mediclaim still carries 18 percent with input credit largely blocked. That wedge is real, but it is not the whole cost, and the parts it hides are underwriting, waiting periods and claims-data control.
By Sarvada Editorial Team
Insurance for Startups & New Economy - August 28, 2026 - 9 min read
Turtlemint listed on 29 June 2026 and InsuranceDekho is preparing a DRHP by end-September at around Rs 9,500 crore. Indian insurance distribution now has public comparables instead of private marks, and the numbers that get disclosed will not flatter every model equally.
By Sarvada Editorial Team
Industry Risk Profiles - August 28, 2026 - 10 min read
MNRE's August 2026 ALMM revisions took listed solar module capacity to 217,107 MW, far above what India installs in a year. Underutilised lines, yard-stacked finished goods and stretched receivables break the assumptions inside fire, declaration and trade credit wordings.
By Sarvada Editorial Team
Risk Management Strategies - August 28, 2026 - 11 min read
IMD warned of very heavy rain across Satna, Panna, Damoh, Sagar, Chhatarpur and Tikamgarh, with flood-like conditions flagged for Rewa, Shahdol and Jabalpur. What a plant should do in the 72 hours before the water arrives, and which of those costs a fire policy will actually reimburse.
By Tarun Kumar Singh
AI & Insurtech - August 28, 2026 - 9 min read
Every AI claims result Indian insurers have quantified publicly in 2026 sits in motor and health. Commercial property, marine and liability claims still move at the speed of a surveyor's diary, which should change what a corporate buyer negotiates.
By Sarvada Editorial Team
Claims & Loss Prevention - August 28, 2026 - 11 min read
August 2026 brought a cluster of factory fire disclosures to Indian exchanges, including Amber Enterprises and Subam Papers. Read as a claims professional would, each filing is a public statement about what the board knows and does not know about its own business interruption cover.
By Sarvada Editorial Team
Global & Cross-Border Insurance - August 28, 2026 - 11 min read
Russia now supplies a record share of India's crude by value, and a US bill would allow tariffs of up to 100 per cent on major buyers of Russian energy. The sanctions limitation and exclusion clause sitting in Indian marine and trade credit wordings decides who carries the loss when a counterparty, vessel or bank is designated mid-voyage.
By Sarvada Editorial Team
Insurance Products - August 27, 2026 - 10 min read
Life insurers' new business premium rose 20.7 per cent in July 2026 while policy counts stayed flat, because the growth came from group single premium, up 30.9 per cent to Rs 27,857 crore. That is employers writing cheques into gratuity and superannuation funds, and the labour codes are part of the reason.
By Sarvada Editorial Team
Operations & Best Practices - August 27, 2026 - 10 min read
IRDAI accepted a unique identification number in place of PAN or Aadhaar for salesperson tagging from 1 January 2027. That keeps two government identifiers off millions of policy documents, and hands intermediaries an identifier they must issue, govern and retire themselves.
By Tarun Kumar Singh
Insurance for Startups & New Economy - August 27, 2026 - 9 min read
The draft central rules under the Code on Social Security make gig-worker benefits conditional on 90 days of engagement with one aggregator, or 120 days across several. Everyone below the line stays a commercial insurance problem for the platform.
By Sarvada Editorial Team
AI & Insurtech - August 27, 2026 - 9 min read
India's largest standalone health insurer has put the fraud rate in health claims at 25 to 30 per cent and set out to automate more than half its cashless claims within two years. For a corporate buyer, that means more claims scored by a model before any human reads the file.
By Sarvada Editorial Team
Industry Risk Profiles - August 27, 2026 - 11 min read
Google's Visakhapatnam AI hub is a gigawatt-scale campus on the Andhra coast, and Gujarat's Data Centre Policy 2026-29 targets 7.5 GW in a state whose coastline takes Arabian Sea cyclone landfalls. The property question is not fire, it is named-windstorm and flood accumulation on single sites with extreme value density, and delay in start-up across a multi-year build.
By Sarvada Editorial Team
Risk Management Strategies - August 27, 2026 - 10 min read
Of 197 monsoon-season deaths in Himachal Pradesh, 116 came from road accidents and 81 from flash floods and landslides. For fleets on hill routes, the dominant exposure is driver injury and third-party death, not property damage, and the covers that answer it are the ones bought on autopilot.
By Tarun Kumar Singh
Global & Cross-Border Insurance - August 27, 2026 - 10 min read
From 30 December 2026 Indian exporters of leather, rubber, coffee and wood products must produce plot-level geolocation and proof of deforestation-free origin or the goods do not enter the EU. A refused consignment is a documentation failure, and marine cargo will not respond to it.
By Sarvada Editorial Team
Operations & Best Practices - August 27, 2026 - 8 min read
Commercial insurance premiums still carry 18 per cent GST, and from July 2026 the input tax credit on them is driven by the Invoice Management System and GSTR-2B rather than by what a finance team types into GSTR-3B. This is the reconciliation routine for lumpy, mid-year insurance invoices issued by carriers the buyer has no portal access to.
By Tarun Kumar Singh
Insurance for Startups & New Economy - August 27, 2026 - 10 min read
Blackstone has filed an R1 with IRDAI for a 90 percent foreign-owned, AI-native general insurer. For anyone placing property, liability or marine, that is a counterparty question, not a press release. Here is what to test before giving a start-up carrier a layer.
By Sarvada Editorial Team
Risk Management Strategies - August 27, 2026 - 9 min read
Bajaj Auto's June 2026 ransomware incident, reported to CERT-In and following a breach at Tata Electronics, has put manufacturing cyber resilience back in focus. Most Indian cyber wordings were drafted for data loss, and the definition of computer system, the waiting period and the notification condition decide what a manufacturer actually recovers.
By Tarun Kumar Singh
Industry Risk Profiles - August 26, 2026 - 11 min read
Himachal's 2026 monsoon losses crossed Rs 1,001.71 crore, and Rs 978 crore of that sits with the Public Works Department and Jal Shakti Vibhag. Most of that damage is to assets still inside a contract period, where the EAR wording, the maintenance extension and the defect liability clause decide who rebuilds at whose cost.
By Sarvada Editorial Team
Insurance for Startups & New Economy - August 26, 2026 - 10 min read
Sigma Advanced Systems raised $48.03 million in the week of 10 to 15 August 2026, the second-largest Indian round that week. Hardware defence and aerospace startups then hit aviation products liability, grounding exposure and prime-contractor indemnity limits that Indian insurers write thinly and usually front overseas.
By Sarvada Editorial Team
Insurance Products - August 26, 2026 - 9 min read
The labour ministry is weighing a rise in the ESIC wage ceiling from Rs 21,000 to Rs 30,000, which would move over 50 lakh more workers into statutory cover and out of employer-funded group mediclaim. For manufacturing and logistics employers, that is a plan-design question to settle before the next renewal, not after.
By Sarvada Editorial Team
Risk Management Strategies - August 26, 2026 - 11 min read
An Alwar oil packing unit burned at 6 am the day after it closed for Independence Day, and took eight hours and 25 tenders to control. A shutdown protocol that reduces the loss and protects the claim.
By Tarun Kumar Singh
Operations & Best Practices - August 26, 2026 - 11 min read
Perpetual registration replaced the three-year renewal with a recurring levy: the higher of Rs 10,000 or 0.04 per cent of the previous year's receipts from insurers. This models the resulting annual compliance floor for brokers at Rs 2 crore, Rs 10 crore and Rs 50 crore of commission income, and shows where the economics push a firm toward selling.
By Tarun Kumar Singh
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