INSIGHTS AND PERSPECTIVES
Risk intelligence for
decision makers.
Quietly considered perspectives on insurance architecture, governance, and capital — written for the people who carry the financial consequences of getting it wrong.
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March 18, 2026
Contractors' All Risk Insurance in India — A Complete Guide
A complete guide to Contractors' All Risk (CAR) insurance in India — coverage structure, add-on covers, exclusions, sum insured basis and claims.
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March 17, 2026
Employee Benefits Insurance in India — A Complete Guide
A complete guide to employee benefits insurance in India — group health, GPA, group term life, gratuity and superannuation, program design and tax.
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March 16, 2026
Health Insurance in India — A Complete Guide (2024 IRDAI Reforms)
A complete guide to health insurance in India — types of cover, coverage, 2024 IRDAI reforms, waiting periods, 80D tax, and sum insured.
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March 15, 2026
Keyman Insurance in India — A Complete Guide
A complete guide to Keyman (key person) insurance in India — what it covers, who needs it, how to size sum assured, and tax treatment.
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March 14, 2026
Aviation Insurance
Aviation is a business of very low frequency and very high severity. Aviation insurance is a specialised discipline that protects aircraft, operators, airports and the wider industry against exactly that profile of risk.
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March 14, 2026
Hospitality Insurance
A hotel or restaurant hosts hundreds of people a day — their safety, their data, their experience — and lives on its reputation. That makes hospitality one of the most liability-exposed businesses there is.
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March 13, 2026
Business Interruption Insurance
Rebuilding after a fire is only half the recovery. While the doors are shut, the income stops but the rent, salaries and loan instalments do not. Business interruption insurance keeps a company alive through that period.
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March 13, 2026
Life Insurance
Life insurance answers a single, serious question: if your income stopped tomorrow, would the people who depend on you be alright? It is the foundation of family financial security — and the cover most people delay.
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March 12, 2026
Critical Illness Insurance
A serious illness does not only send hospital bills — it can stop your income for months and force real changes to how you live. Critical illness cover answers that with a lump sum, paid on diagnosis, to use as you need.
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March 12, 2026
Mining Insurance
Mining pairs high-value equipment with some of the most demanding environments in industry — remote sites, heavy plant, and hazards above and below ground. Mining insurance is built to manage that combination.
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March 12, 2026
Why Most Corporate Insurance Programmes Are Structurally Misaligned
Most programmes are placed product-first instead of risk-first. The result: coverage that looks adequate on paper but fails at the moment of claim.
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March 11, 2026
Delay in Start-Up Insurance
When a project under construction is damaged, the cost is not only the repair — it is the revenue that never arrives while operations slip, and the loan instalments that fall due anyway. DSU covers that gap.
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March 11, 2026
Oil & Gas Insurance
Few industries concentrate value and hazard like oil and gas — a single blowout or refinery explosion can run to enormous sums. Energy insurance is a specialised, layered discipline built to carry that scale of risk.
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March 10, 2026
Electronic Equipment Insurance
The computers, servers, diagnostic machines and communication systems a business runs on are expensive, delicate, and fail for reasons a fire policy never contemplates. EEI is built for exactly that exposure.
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March 10, 2026
Personal Accident Insurance
An accident can change everything in a moment — and its financial impact reaches far beyond a hospital bill. Personal accident insurance pays a defined benefit for death or disability, protecting the income a family relies on.
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March 9, 2026
General & Public Liability
Every business that lets people through its doors carries a serious exposure: someone could be injured, or their property damaged, and hold you responsible. General liability insurance answers that risk.
READ MOREMarch 9, 2026
Ports & Logistics Insurance
Logistics is a business of other people’s goods — moved, handled and stored in volume, on tight margins. When something is lost in your care, the liability lands on you. This cover stands behind that responsibility.
READ MOREMarch 8, 2026
Group Health Insurance
Group health insurance is the benefit employees notice first and remember longest. Structured well, it protects your people, costs a fraction of individual cover, and becomes a real reason to join — and stay.
READ MOREMarch 8, 2026
Product Liability
A product leaves your control the moment it is sold — but your responsibility for it does not. If a defect injures someone, the claim can follow you across the world. Product liability insurance stands behind it.
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March 7, 2026
Group Personal Accident
A health policy pays for treatment. It does not replace the income a family loses when an employee is killed or permanently disabled by an accident. Group Personal Accident cover fills that gap.
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March 7, 2026
Renewable Energy Insurance
Renewable projects carry risk across their whole life — from heavy lifts during construction, through nat-cat exposure in operation, to the revenue guarantees that underpin their financing. This cover protects each phase.
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March 6, 2026
Group Term Life
For a very small cost per employee, an employer can promise that if the worst happens, a family receives a meaningful sum. Group Term Life makes that promise — and it is among the most valued benefits a company can offer.
READ MOREMarch 6, 2026
Term Insurance
If life insurance has one purest form, it is term insurance: a very large safety net for your family, at a strikingly small cost. It does one job — replace your income if you are gone — and does it best.
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March 5, 2026
Healthcare & Hospital Insurance
A hospital carries a rare combination of exposures — multi-crore equipment, life-and-death decisions, sensitive patient data, and a duty of care to everyone who walks in. A healthcare programme has to answer all of them.
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February 10, 2026
Cyber Insurance Is Not an IT Decision
Treating cyber as an IT-budget line is one of the most consistent procurement mistakes we see. The financial exposure sits with the CFO and the board.
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December 25, 2025
Beyond Premium Comparison: D&O Benchmarking
Two D&O policies at identical limits and premiums can respond very differently to the same claim. Premium comparison is the wrong starting point.
READ MOREAUREVIAN INSIGHTS
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