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24 Feb 2020

Life Science Lawsuits – Learning from the Ordeal

— Principles applicable to all companies: 1. Why the suit? Maybe we can prevent the next! 2. Insurance lessons from the cases We’ll use life science companies as the subject group because they... »

15 Feb 2020

Embracing Higher Deductibles Can Be Smart Risk Management

The more a company controls insurable losses, the higher deductibles it can afford. This lowers premiums, enabling more loss control in a virtuous cycle. Human psychology can cause us to act against o... »

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... »

19 Jan 2018

How the insurance industry hides and protects their bottom line

Disrupt how the game is played and take back control!   get pdf   In economics lack of competition results in too high prices and shoddy product. The market forces that correct for those are mis... »

06 Sep 2017

The Psychology of Risk – Don’t Let it Pervert Your Insurance Choices

How How to protect the organization from rare but severe occurrences by Frank Licata, Licata Risk Advisors, Boston (bio)  With weather events swirling, and cyber hackers swarming, we need to keep a c... »

03 Aug 2016

Terrorism is Evolving – Our Insurance Decisions Need to Change

The nature of terrorism, and insurers’ actions, mean you need to be aware Following September 11, the federal government created the Terrorism Risk Insurance Act (TRIA) and defined a “certified ac... »

01 Oct 2015


This subject was addressed at the LicataRisk “Risk Advisory Breakfast” in Boston on September 24, 2015.  The event featured presentations by: Daniel F. Conley, Suffolk County (MA), District Attor... »

07 May 2015

The Insurance Market is like Quicksand

  LicataRisk:  A Commercial insurance buy is a negotiation           At our Risk Advisory Breakfast  (held several times a year) we hav... »

14 Aug 2014

Your Lender Can Wipe Out Your Equity In One Move

PROPERTY OWNERS NEED THE RIGHT CONTRACT TERMS You buy a property and the lender imposes heavy insurance requirements on you.  That’s ok, they care as much about the property as we do, you think.  ... »

21 Mar 2014

Licata Risk Advisors Asks CEO’s: Are You Sure You Know Your Financial Condition?

Your Financial Statements Are Hiding Risk. Companies that manage risk are safer and more secure, and their financial statements can be relied on.  Companies that don’t manage risk are vulnerable an... »

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.