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Risk Intelligence Blog

07 Jul 2015

INSURANCE BROKER, WHAT WERE YOU THINKING

Coverage cases make fascinating reading.  We keep a close eye on them to know what clients might face. This one [1]  shocked us, not because of the court decision, which  we agree with, but with th... »


19 Jun 2015

Making Promises You Can’t Keep

You can sometimes get away with it.  Just not when the promise is made to an insurance company. Cottage Health System of California found that out when they suffered a computer breach, and then had ... »


19 May 2015

Insurance Policy Terms a Mystery … to the Insurance Company Who Wrote Them !!!

In a recent claim, the adjuster sent an e-mail saying “I wanted to make you aware that there are issues of coverage and some of the costs incurred to date may not be covered under the policy. We sho... »


07 May 2015

Note to Internet Companies: WATCH OUT FOR POWER INTERRUPTION

Change affects markets and creates dislocations.  Sometimes a  market morphs into a different form and the move from old to new creates gaps.  This is what has happened to insurance for internet ... »


21 Apr 2015

Why the Insurance Market is Like Quicksand

The LicataRisk Risk Advisory Breakfast  (held several times a year) includes a regular segment entitled Why the Insurance Market is Like Quicksand.  Why do we describe the insurance market this way?... »


19 Feb 2015

50 Ways to Leave No Cover by Randy Spencer

With Valentine’s Day just behind us, Randy Spencer has his own take on Paul Simon’s “50 Ways to Leave your Lover”. Did Randy (our favorite insurance company-side lawyer) let ... »


13 Feb 2015

Insurance Companies Behaving Badly

  How we got one to pay for this pollution claim Our best chance to help clients comes from managing risk and negotiating insurance before something happens.  But, sometimes we get called in aft... »


30 Jan 2015

Broker of Record Letter – Should you Sign?

  Broker of Record letters are a legitimate tool but they are abused.  Broker A  told us “I need a broker of record letter to approach Carrier X”.  We asked her to send the language requir... »


22 Jan 2015

FEDERAL TERRORISM BILL RENEWED, BUT WE STILL NEED TO BE CAREFUL

  At the worst possible time, it looked as though the federal backstop to terrorism insurance (TRIA) might not be renewed.  Since then, the renewal bill passed congress and was signed into law. ... »


05 Sep 2014

BP Ruling Illustrates Complete Lack of Risk Management Culture

This month (Sept, 2014) a federal judge in New Orleans found that BP was guilty of gross negligence in its handling of the oil well that blew in 2010 causing deaths and unleashing massive pollution. ... »




Licata Risk & Insurance Advisors, Inc.
137 South Street, Second Floor
Boston, MA 02111-2848
617-451-2140     advice@licatarisk
LicataRisk Advisors is an independent risk management and insurance consulting firm. We are not brokers and we do not sell insurance. We are not connected to any insurance company or product in any way and do not receive commissions. This is an important difference as you will have an expert on your side who is only committed to you.