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Risk Intelligence Blog

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. ... »


21 Apr 2014

Consistently saving money by managing the insurance process

Premium Audits don’t sound exciting; but consistently saving by managing the process — $30,000 here, 50,000 there – is exciting. A workers compensation audit is a mysterious process: the aud... »


14 Apr 2014

THE “MAGIC” OF THE INSURANCE DELIVERY SYSTEM

How a five page proposal and a friendly handshake to bind coverage morph into a giant pile of fine print, conditions, limitations and exclusions at claim time.  Full document here Magic ... »


10 Dec 2013

Risk Intelligence Blog Debut

Shining a bright light on insurance policy terms and conditions you never knew were in your policy,and would only find out about after a claim, and various other insurance traps.   Insurance coverage... »




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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.