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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 8, 2026 - 9 min read
The 2024 PPHI Regulations fold advertising controls into a principle-based regime that now covers broker social posts and finfluencer content, while a Rs 1 crore penalty shows how ad spend can be read as disguised commission.
By Tarun Kumar Singh
Industry Risk Profiles - July 8, 2026 - 9 min read
As SBFAP 2.0 and the INR 25,000 crore Maritime Development Fund swell India's order books, brokers must price the shipyard as a builder's risk class of its own, covering hull under construction, launch, dry-dock property and fitting-out exposure.
By Sarvada Editorial Team
AI & Insurtech - July 8, 2026 - 9 min read
ISO's generative-AI exclusion endorsements went live on 1 January 2026 and carriers are fragmenting AI cover across lines. This is a clause-level map of where a hallucination, model drift or automated decision now falls between GL, D&O, cyber and Tech E&O for Indian buyers, and how to negotiate carve-backs at renewal.
By Sarvada Editorial Team
Underwriting & Risk - July 8, 2026 - 10 min read
The LMA5410 property-treaty cyber exclusion and the LMA5400 fire and explosion carve-out are flowing into Indian fire and engineering wordings through treaty renewals, opening a non-affirmative gap that brokers now have to reconcile against the affirmative cyber tower.
By Tarun Kumar Singh
Market & Trends - July 8, 2026 - 9 min read
Marsh's 2026 report puts India at 33% of Asia's transactional-risk claim notifications, with 92% tied to PE-backed deals. Here is what drives W&I, tax and contingent-liability adoption, and where capacity and pricing now sit.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 8 min read
Embedded and partner distribution runs on remuneration structures that the law polices tightly. Who may lawfully receive insurance remuneration, how group administrator economics work, where disguised commission sharing hides, and what the 2026 disclosure push means for embedded programs.
By Tarun Kumar Singh
Market & Trends - July 7, 2026 - 10 min read
With IRDAI preparing a commission-rules overhaul and a consultation paper expected by end July 2026, Indian brokers are re-examining fee-based advisory. What the IRDAI (Insurance Brokers) Regulations, 2018 permit, how to price retainers and project work, and where mid-market and large corporate clients actually accept fees.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 9 min read
The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act, 2025 restored IRDAI's statutory power to cap distributor commissions, a potential reversal of the 2023 deregulation. Three scenarios brokers should model now (EOM-only status quo, caps by line, caps by tenure), what each does to a broking P&L, and the triggers that tell you which one is arriving.
By Tarun Kumar Singh
Market & Trends - July 7, 2026 - 9 min read
The Air India AI171 crash produced an estimated $475m in claims against a sector that collects a fraction of that in annual premium, hardening hull, war and liability rates and tightening reinsurance terms at the 2026 renewal.
By Sarvada Editorial Team
Regulation & Compliance - July 7, 2026 - 9 min read
The Bharatiya Vayuyan Adhiniyam 2024 replaced the 1934 Aircraft Act on 1 January 2025 and folded drones into the statutory definition of aircraft, reshaping hull, liability, product and MRO insurance duties for Indian operators and their brokers.
By Tarun Kumar Singh
Operations & Best Practices - July 7, 2026 - 10 min read
A back-office administration playbook for large corporate and logistics fleets, covering mid-term addition and deletion endorsements, IDV schedule upkeep, no-claim-bonus migration, claims-ratio MIS and renewal marshalling.
By Tarun Kumar Singh
Insurance for Startups & New Economy - July 7, 2026 - 9 min read
How e-scooter manufacturers like Ola Electric, Ather and Ultraviolette should structure product liability, mass battery-fire recall, dealer-warranty and finished-goods business interruption cover, mapped to AIS-156 battery-safety norms and IRDAI liability wordings.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 7, 2026 - 8 min read
The India-Oman CEPA came into force on 1 June 2026, opening duty-free access on 98 percent of Omani tariff lines. This guide maps the trade credit limits, Sohar and Duqm marine routing, and energy exposures brokers must place for this new corridor.
By Sarvada Editorial Team
Underwriting & Risk - July 7, 2026 - 9 min read
The SHANTI Act 2025 rewrites how nuclear suppliers face recourse liability in India, and the Budget 2025 Nuclear Energy Mission brings private operators into the pool. Here is how vendor and supplier right-of-recourse exposure is actually insured.
By Tarun Kumar Singh
Industry Risk Profiles - July 7, 2026 - 10 min read
India's offshore upstream sector is entering a deepwater phase with OALP Round-X ultra-deepwater blocks and the Andaman gas discovery. This risk profile covers the Control of Well and Operators Extra Expense package, MODU and platform physical damage, and seepage and pollution liability that define an E&P operator's insurance programme.
By Sarvada Editorial Team
Claims & Loss Prevention - July 7, 2026 - 10 min read
When a damaged commercial building is rebuilt, the municipal plan officer applies the code in force on the date of reconstruction, not the code the old structure was built to, and the extra cost of compliance reads as improvement that the betterment exclusion strips out. This piece explains how the public authorities clause carves forced code-upgrade costs back into cover, what it still excludes, and how brokers and risk managers size the extension against the sub-limit before a loss rather than discovering the gap at rebuild.
By Sarvada Editorial Team
Regulation & Compliance - July 6, 2026 - 9 min read
How reinsurance brokers earn on treaty and facultative placements in India, what the IRDAI broker and re-insurance regulations require on remuneration and disclosure to cedants, and how the 2026 transparency measures, from the Sabka Bima Act to the draft intermediary disclosure regulations, are reaching reinsurance broking.
By Tarun Kumar Singh
Market & Trends - July 6, 2026 - 8 min read
Corporate agents, brokers, insurance marketing firms, and web aggregators sell the same policies under different remuneration economics. How the arbitrage works, why IRDAI's planned 2026 commission overhaul targets it, and what brokers should argue in their consultation responses.
By Sarvada Editorial Team
Market & Trends - July 6, 2026 - 10 min read
IRDAI is weighing a shift from upfront to staggered trail commissions paid over the policy life. What that would do to broker working capital, renewal-book value, hiring plans, and financing needs, with a worked cash-flow model for a mid-size Indian broking firm.
By Sarvada Editorial Team
Market & Trends - July 6, 2026 - 9 min read
As single hyperscale campuses in India approach insurable values that exhaust a whole market's property appetite, brokers face a capacity crunch driven by aggregation, thin reinsurance budgets and a global coverage ceiling. Here is how placement and pricing are changing, and what buyers do when limits run out.
By Sarvada Editorial Team
Claims & Loss Prevention - July 6, 2026 - 8 min read
Debris removal, firefighting and architects and surveyors fees ride on the material-damage claim as percentage sub-limits of 1 to 5 percent, and after the 2025-2026 nat-cat losses those inner caps are draining recovery well before reinstatement is paid for.
By Sarvada Editorial Team
Global & Cross-Border Insurance - July 6, 2026 - 10 min read
The EU's tightening PFAS restrictions turn a chemicals-compliance question into a cross-border product-liability and recall problem for Indian apparel, footwear, and specialty-chemical exporters. This guide maps consignment-rejection costs, third-party injury claims in EU courts, and the coverage gap between product liability, product recall, and environmental impairment liability wordings.
By Sarvada Editorial Team
AI & Insurtech - July 6, 2026 - 8 min read
How Indian general insurers can jointly train fraud and network-detection models without moving policyholder records across firms, satisfying the DPDP Act while catching the cross-insurer rings that the IRDAI fraud framework of April 2026 targets.
By Sarvada Editorial Team
Insurance Products - July 6, 2026 - 8 min read
Asset managers, AIF general partners and portfolio managers carry mis-selling, valuation-dispute and SEBI-investigation exposure that a standalone D&O policy was never built to answer. This post sets out the combined investment-management wrapper that pairs professional indemnity, D&O and regulatory-defence cover for Indian fund houses in 2026.
By Sarvada Editorial Team
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