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... »
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... »
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... »
Licata Risk & Insurance Advisors, Inc.
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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.
