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Frank Licata

12 Aug 2019

The One Contract You Never Read

Good Idea ? Probably not ! Let’s look at a few headline cases: The Cases Pollution Exclusion Precluded Coverage of Claims by Hotel Guests Harmed by Carbon Monoxide: (Shaw v. Liberty Mutual Fire Ins.... »


13 Jul 2019

Email is Still the Top Security Threat to Your Company

WHY WE FALL INTO THE TRAP – CISOs (chief information security officers) consider email threats to be the number one security risk to their organizations.  As a Cisco report states, the hack... »


13 Jun 2019

Leave Yourself Room to Negotiate a Future Insurance Claim

DON’T FIND YOURSELF WITH YOUR HANDS TIED BEHIND YOUR BACK It’s up to the policy language.  Here’s how: There’s a world of difference between an insurer able to take action “solely at th... »


06 May 2019

What Happens to Your Company’s Flood Insurance if the Flood Zone Changes?

Coverage can be here today and gone tomorrow! Sea levels are rising; rainfall is increasing; and flood zones are changing. Do you know what effect the latter has on your company’s flood insurance? W... »


08 Apr 2019

Join Us at RIMS 2019 in Boston

Hosted by LicataRisk, Anderson Kill and Partner Engineering. Happy hour on the docks of Boston Harbor! If you’ll be at RIMS in Boston this year, please contact Breanna Marshall at [email protected] »


22 Mar 2019

The Insurance Sales Model is Anti-Competitive

It is Based on Exclusivity That Eliminates True Competition and Inflates Purchaser Costs Commercial insurance products are over-priced, and coverage terms are not written in your favor – in fact the... »


05 Mar 2019

Insurer Defines its Own Insurance Policy as Unacceptable

As a general principle, owners are protected by the policies of general contractors they hire and GCs in turn are protected by the polices of subcontractors.  This puts the burden of insurance on... »


05 Feb 2019

The ONE cyber hack we CAN prevent

Yes, we’re doing everything we can … or are we?? Cyber-risk is everywhere.  Even if you’re applying the best security, there are no guarantees.  So then, going around with our eyes clo... »


05 Jan 2019

Illusory Insurance – Exclusions that “swallow up the policy”

You buy insurance and you expect to be covered. Sometimes, though you are blindsided by being sold a policy that doesn’t cover anything! What do we mean by that? We’re referring to the hor... »


04 Jan 2019

LicataRisk Provides a New Creative Service for Employment Lawsuit Defense

Another case of disrupting the insurance market — — Employees do sometimes sue their employers over some real or fabricated offense. Employers carry Employment Practices Liability (EPL) In... »


Licata Risk Licata Risk & Insurance Advisors, Inc.
137 South Street, Second Floor
Boston, MA 02111-2848
617-451-2140     [email protected]
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.

Licata Risk is not a law firm and does not practice law. General advice and contract input by the consultants, including those who are attorneys, is to provide insight into the risk and insurance aspects. Your attorney should be the final authority on any legal matter.