SARVADA
RISK
INTELLIGENCE
Product demo for WMG
Risk Advisory & Insurance Broking

24 June 2026 · Bengaluru
Research-grounded · IRDAI-cited
Know the Risk.
Audit the Policy.
Risk profiling and policy gap analysis for commercial insurance — all major lines of business, with a citation on every finding.
The reality at the frontline
Relationship-led — but risk-blind
where it counts
The relationship manager walks into the renewal knowing the client, not the exposure. So conversations default to price, and the cover rarely gets stress-tested.
01
Slow, manual prep
Days of digging through filings, news and old schedules to understand one account.
02
Price-only talk
Without a risk view, the RM competes on premium and discount — not on advice.
03
Locked in seniors
Junior RMs can't replicate the expertise that wins and defends accounts.
What the gap costs
Four leaks every commercial broker quietly carries
Under-insurance
Sum insured declared below reinstatement value. The shortfall only surfaces at claim — and the client remembers who advised the cover.
Missing lines of business
Marine, D&O, liability or engineering covers the risk clearly needs — simply absent from the programme.
E&O exposure
No documented, defensible record that the right advice was given. The broker carries the liability.
Lost brokerage
Every gap left unflagged is premium placed elsewhere — or never placed at all. Foregone income.
What Sarvada does
A risk-intelligence layer under every renewal
Give it a company name and the policies on file. It researches the business from the public record, then audits the existing cover against it.
01
Research
Builds a company risk profile from public filings, news and industry data — no questionnaire needed to start.
02
Audit
Reads the schedule, grants and exclusions, and flags what is missing, restricted or under-insured.
03
Defend
Every finding sits on an IRDAI circular or filing, with a citation an underwriter can check.
How it works
From a company name to an audit report
in three steps
STEP 01
Share
Drop in the company name and upload the policies on file. Sarvada asks targeted follow-ups to fill what the record can't show.
STEP 02
Profile
It drafts the risk profile, then audits each policy against it — under-insurance, missing covers and weak clauses, all cited.
STEP 03
Export
Download the full audit with a citation trail on every finding. Hand it to the client, or to the reviewer, without rework.
Feature 01 · Full Risk Report
A deep, sourced risk profile
from just a name
Research agents sweep the open record — MCA filings, news, industry and plant data — to reconstruct the business and quantify its exposure across every relevant line.
→Industry, occupancy, plant, stock, workforce and funding stage, profiled.
→Indicative sum-insured ranges across each line of business.
→A citation under every figure — defensible to underwriter and client.
RISK PROFILE
Crescent Auto Components
IndustryAuto components · forging & alloy
LocationChakan, Pune · Series B · 320 staff
Fire (bldg+P&M+stock)SI ₹42–48 Cr
Marine — open coverRequired · alloy imports
Liability — D&ORequired · Series B board
Sources: MCA · IRDAI · Company filings · Industry data
Feature 02 · Risk Snapshot
A one-page opener that
makes any RM credible
It frames the likely exposures and the questions worth asking — so the very first conversation sounds like advice, not a quote.
Conversation starter
Lead with the client's real risks, not a generic pitch.
Levels up junior RMs
Anyone can walk in sounding like the senior in the room.
Seconds, not days
Generated on demand — ready before the meeting is booked.
RISK SNAPSHOT
Crescent Auto Components
TOP EXPOSURE
Fire & alloy stock — high-value plant
LIKELY GAP
Marine import cover absent
BOARD RISK
D&O — Series B funded
OPENER
“How is your import consignment covered today?”
Feature 03 · Policy Assistant
Upload a policy — get a defensible
gap analysis back
Under-insurance
Declared values checked against reinstatement and current market value.
FLAGGED
Fire SI declared ₹28 Cr — reinstatement basis indicates ₹45 Cr.
Missing coverage
A line the risk profile clearly requires is simply not on the programme.
FLAGGED
Marine open cover absent — alloy imports observed in MCA filings.
Weak / missing clause
Standard protections absent, or sub-limits below market benchmark.
FLAGGED
Group health maternity sub-limit ₹25k — below market benchmark.
Why it matters to WMG
Four ways Sarvada pays back across the desk
01
RM productivity
Cut renewal prep from days to minutes and free seniors from rebuilding context account by account.
02
Win & retention
Walk in with a defensible audit of the client's existing cover — advice the incumbent never offered.
03
Brokerage upside
Every flagged gap and under-insurance is additional, justified premium — and additional brokerage.
04
E&O defensibility
A documented, IRDAI-cited record that the right advice was given on every account.
The brokerage math
One found gap outweighs the cost of the tool
Illustrative — a single mid-market account where Sarvada surfaces a missing line and corrects an under-insured one.
₹45L
Additional premium placed — missing marine + corrected fire SI.
₹4.5L
Additional brokerage at an indicative 10%.
Mins
To produce the audit that surfaced it — not days.
Scale it across the book: if each RM closes even one extra gap a month, the incremental brokerage compounds quickly — while prep time per account falls sharply.
Built for India, built to trust
Grounded in IRDAI — and your data stays yours
IRDAI-grounded findings
Every finding sits on the relevant IRDAI circular, regulation or filing.
All major LOBs — fire, marine, engineering, liability, burglary, group health and more.
A citation trail an auditor can follow on every figure.
Secure by design
256-bit encryption at rest and in transit.
Hosted on secure AWS infrastructure.
Tenant-isolated — never shared with other brokers.
Your data is never used to train our models.
Why now
The market is moving toward advice,
away from price
Margins under pressure
Post-EoM, brokers compete harder on value. A risk-led conversation defends both the account and the brokerage.
Underwriting is AI-native
Insurers already use intelligence to price risk. Brokers that match it stay at the table; those that don't get disintermediated.
Talent doesn't scale
Senior risk judgement is scarce. Sarvada packages it so the whole desk can deliver it — not just the top few.
Let's audit your next renewal
Audit the next renewal
with the full picture.
Pick a live account and we'll run it together — risk report, snapshot and policy audit, end to end, before you decide anything.
01
Live pilot on 3 WMG accounts
02
Team rollout & onboarding
03
Commercial terms for the desk
app.sarvada.ai · Confidential — prepared for WMG Risk Advisory & Insurance Broking