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Risk Intelligence Blog

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... »


06 May 2017

INSURER CEO STUNS THE INSURANCE MARKET WITH HIS STATEMENT ABOUT BROKERS

Insurance brokers are the sales arm of the insurance industry.  They should have a good relationship with the companies that provide the product they sell.  But their actions and compensation final... »


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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.