Street Smarts defined: “Having the shrewd awareness, experience and resourcefulness needed for survival in a difficult, often dangerous environment.” The world of risk and insurance is indeed ... »
Cybersecurity lessons on the internal threat Edward Snowden, who has the distinction of stealing data from the most secure database in the world, has written a book. Called “Permanent Record,... »
GAPS REMAIN EVEN NOW Cyber insurance has been in the market for quite a few years now. When an insurance product has been around long enough it eventually becomes standardized. Not so, yet... »
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.... »
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... »
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... »
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... »
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... »
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... »
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... »
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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.
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.
Licata Risk & Insurance Advisors, Inc.
