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    Risk Intelligence Blog

    12 Aug 2019

    The One Contract You Never Read: Insurance

    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... »


    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... »


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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.

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