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Behind the Spotlight: A Deep Dive into the Royalty Clause in Media & Entertainment
Media Entertainment InsuranceFEATURED
WabiSabi Tech6 Jul 20262 min read

Behind the Spotlight: A Deep Dive into the Royalty Clause in Media & Entertainment

Films, music, and streaming content fuel global culture, but only if you understand the fine print in contracts. One clause that often hides in plain sight is the Royalty Clause. It can be the difference between steady income for creators, or revenues locked away by distributors and platforms. What is a Royalty Clause? A Royalty Clause defines how revenue from intellectual property (films, music, shows, books, games) is shared between rights owners and distributors/platforms. * Expressed

Sailing Safely: A Deep Dive into the General Average Clause in Marine Transit
Marine Transit Insurance
WabiSabi Tech6 Jul 2026

Sailing Safely: A Deep Dive into the General Average Clause in Marine Transit

Global trade depends on shipping, but only if you understand the fine print in marine policies.One clause that often hides in plain sight is the General Average Clause.It can be the difference between sharing a loss fairly among stakeholders, or facing unexpected claims worth crores. What is the General Average Clause? General Average (GA) is a maritime principle where all parties in a sea voyage (shipowner + cargo owners) share losses proportionately if cargo or expenses are voluntarily sa

Marine Transit Insurance2 min read
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Building the Future: A Deep Dive into the Change of Scope Clause in Infrastructure Projects
Infrastructure Industry
WabiSabi Tech5 Jul 2026

Building the Future: A Deep Dive into the Change of Scope Clause in Infrastructure Projects

Infrastructure projects build economies, but only if you understand the fine print.One clause that often hides in plain sight is the Change of Scope Clause.It can be the difference between recovering costs for design changes, and bleeding margins on site. What is a Change of Scope Clause? The Change of Scope Clause defines how additions, deletions, or modifications to the original project plan are handled. * Applies to roads, airports, metros, power plants, bridges, etc. * Covers changes

Infrastructure Industry2 min read
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Traveling Together: A Deep Dive into the High-Risk Activities Exclusion in Group Travel Insurance
Group Travel Insurance
WabiSabi Tech5 Jul 2026

Traveling Together: A Deep Dive into the High-Risk Activities Exclusion in Group Travel Insurance

Group Travel Insurance keeps employees safe on business trips, but only if you understand the fine print.One clause that often hides in plain sight is the High-Risk Activities Exclusion.It can be the difference between a smooth claim for medical expenses, or outright rejection after an accident abroad. What is the High-Risk Activities Exclusion? This clause defines which adventure or hazardous activities are excluded from coverage under group travel policies. * Typically excludes sports l

Group Travel Insurance2 min read
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Insurance Isn’t an Expense, It’s a Safety Net: Here’s Why
Blog
WabiSabi Tech4 Jul 2026

Insurance Isn’t an Expense, It’s a Safety Net: Here’s Why

In many Indian households and businesses, insurance is still viewed as a monthly deduction, a cost that reduces today’s disposable income.But this perception misses a deeper truth: insurance is not an expense; it is a financial safety net. The Real Meaning of Insurance Life is unpredictable. Medical emergencies, accidents, natural disasters, or sudden loss of income can disrupt years of financial progress in a single moment.Insurance transforms these uncertainties into manageable financial r

Blog1 min read
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Why Insurance is the Unsung Shield of India’s SMEs
Blog
WabiSabi Tech4 Jul 2026

Why Insurance is the Unsung Shield of India’s SMEs

Small and Medium-sized Enterprises (SMEs) are India’s “engine of growth.”From the kirana store around the corner to thriving mid-sized manufacturers, SMEs account for nearly 30% of India’s GDP and employ over 110 million people (MSME Ministry, Govt. of India, 2023). Yet, behind this quiet revolution lies a persistent vulnerability: uncertainty. Floods, fire, riots, or even a single lawsuit can wipe out years of effort, especially when the founder’s life savings or borrowed capital are on the

Blog2 min read
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Insights
Pratik Devang18 Aug 2026

Manufacturing Insurance: Start With the Maximum Loss, Not Just the Value of the Factory

A manufacturing unit may contain buildings worth several crore and machinery worth even more. Yet the largest financial impact of a fire may not be the physical damage alone. If production stops for three months, the business may continue paying salaries, loan commitments and other fixed costs while losing revenue. This is why manufacturers should consider both property damage and the financial consequences of downtime. What Is Manufacturing Insurance? Manufacturing businesses commonly requi

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Insights
Pratik Devang18 Aug 2026

Professional Indemnity Retroactive Date: One Small Date That Can Decide Whether an Old Mistake Is Covered

A professional services firm may receive a claim today about work completed two years ago. The policy is currently active, so it may seem reasonable to assume the claim is covered. With professional indemnity insurance, however, one date can become particularly important: the retroactive date. What Is a Retroactive Date? A retroactive date is a date stated in certain claims-made liability policies. Subject to the policy wording, wrongful acts occurring before that date may fall outside the s

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Insights
Pratik Devang18 Aug 2026

Construction Insurance: Who Covers Damage Before the Project Is Handed Over?

A building under construction can be exposed to fire, storms, accidental collapse, machinery damage and third-party incidents before the owner ever takes possession. The difficulty is that construction projects involve several parties, owners, contractors, subcontractors, consultants and lenders. Insurance therefore needs to be coordinated with the contract rather than arranged as an afterthought. What Is Construction Insurance? Construction insurance can provide protection for specified phys

Insights2 min read
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Insights
Pratik Devang18 Aug 2026

Office Package Insurance: A Practical Risk Checklist for Small Businesses

An office may not look particularly risky compared with a factory or warehouse. But a small business can still depend on expensive laptops, servers, furniture, electrical systems and uninterrupted access to its premises. An office package policy may combine several covers, making it useful for companies that want to protect physical assets and selected operational risks under one arrangement. What Is Office Package Insurance? An office package policy may combine different insurance sections

Insights2 min read
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Insights
Pratik Devang18 Aug 2026

Group Health Insurance for Employees: Five Things HR Should Check Beyond the Sum Insured

When a company arranges group health insurance, the first number employees usually notice is the sum insured. A ₹5 lakh employee health cover may sound straightforward, but the usefulness of the scheme depends on several other conditions. For HR and finance teams, the objective should be to understand how the programme will work for employees in real situations, not simply to compare annual premiums. What Is Group Health Insurance? Group health insurance provides health cover to eligible memb

Insights2 min read
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