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Risk Intelligence Blog

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... »


26 Aug 2018

IN INSURANCE, ONE WORD CAN MAKE ALL THE DIFFERENCE

Why review a policy? A policy is a policy; they are all boiler plate, right? Wrong! There are many boilerplate and standardized policies issued, and knowledge of those forms helps us understand a base... »


25 May 2018

Life Sciences Companies Have Unique Exposures

A LicataRisk client, a life sciences company, had a unique insurance need, and we applied the creativity to solve it. Umbilical cord blood and tissue has unique medical uses.  However the need for t... »


18 Feb 2018

The Insurance Market Continues to Show Itself to be Anti-Competitive

In January we wrote an article entitled      How The Insurance Industry Hides and Protects Their Bottom Line  —  Disrupt How the Game is Played and Take Back Control  article here . We sub... »


06 Dec 2017

Do Insurance Brokers Commit Corporate Identity Theft

Consider these scenarios, both seemingly innocent at first glance: Without any discussion, your broker gets you an insurance quote from a second insurer. You call in another insurance broker (other th... »


06 Sep 2017

Insecure Insurance — For a Security Firm!

Our client decided it was time to change security firms. We reviewed the contract with the prospective new firm, and advised that the contract should establish the right to review full copies of the s... »


03 Jul 2017

COURT: “IF [IT] WANTED AN INSURANCE CONSULTANT, IT COULD HAVE RETAINED ONE”

Just how special is that relationship? “I was only following orders” – while a weak statement in most cases, this is often supported by the courts for insurance brokers. The courts state the dut... »


23 May 2017

ANOTHER CASE INDICATING BROKER IS NOT YOUR ADVISER

“I was only following orders.”  While a weak statement in most cases, this is often supported by the courts in insurance cases. The courts state the duty of the insurance broker is to do what the... »


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