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... »
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... »
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... »
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... »
“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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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.