How Indian commercial lines are actually placed
Written from the product knowledge behind Bridge — Insurance Institute of India texts and the systems Indian insurers run on — with statutory figures left out until they are sourced against the current notification.
What an insurer's RFQ form actually asks, line by line
The fields insurer-side RFQ systems capture for group medical, fire, engineering and liability — and why a broker's submission that arrives in that shape gets quoted faster and better.
Updated 2026-09-05Open cover, open policy, annual or specific: which marine cargo policy
The four marine cargo policy types an Indian trading or manufacturing client chooses between, what each is for, and the questions that decide it.
Updated 2026-09-05What an insurer needs in a group medical RFQ
The ten things a group medical RFQ must carry for quotes to come back comparable — claims split, lives at two dates, family definition, the expiring construct and the waivers.
Updated 2026-09-05Employees' Compensation: Table A, Table B and the wage split
The two intake questions that decide an Employees' Compensation quote in India — which liability the policy covers, and how the wage roll splits at the statutory ceiling.
Updated 2026-09-05Accidental death cover: standalone, rider or health add-on
A client can buy accidental death three ways — as group personal accident, as a rider on group term life, or as an add-on in the health programme. Different prices, insurers and settlement; here is how to compare them.
Updated 2026-09-05