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Risk Intelligence Blog

13 Sep 2019

Some Cyber Insurance Policies Not Ready for the Big League

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... »


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... »


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... »


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