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Risk Intelligence Blog

23 May 2017


“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


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... »

03 Aug 2016

Licata Risk Real Estate & Construction Event Summary

A group of about 45 industry executives and their attorneys  and CPAs heard the latest in risk management on June 22nd at the Boston College Club in Boston.   Discussions concluded with cocktails a... »

28 Mar 2016

Is Your Insurance Only a Sprinkling of Protection?

Coverage in an insurance policy: is it known and agreed upon by the insured at time of issuance?’ The premium due on a policy is known and agreed. A more important question is whether the coverage ... »

23 Feb 2016

Court Criticizes the Insurer for Reading the Policy Incorrectly

  Insurers are not charitable organizations.  They are profit-making companies who will go all the way (and beyond in this case) in enforcing the restrictive covenants of their insurance policie... »

26 Jan 2016

IT Security: Finally a Path to Success!

  The Cisco Annual Security Report – 2015 is eye-opening for several reasons: We know what to do – we are just not executing; Criminals are moving more toward social engineering as opposed to... »

06 Oct 2015

Beware of the Rains

  Hurricane Joaquin is illustrating a phenomenon to which all property owners need to pay serious attention: flooding from storm related heavy rains is becoming a norm. You need flood insurance w... »

11 Aug 2015

Why we do the work we do…

This case[1] speaks to the consequences of not knowing what is in your policies…. The Cleveland Indians baseball team hired National Pastime Sports to produce Kids Fun Day events at Indians baseball... »

07 Jul 2015


Coverage cases make fascinating reading.  We keep a close eye on them to know what clients might face. This one [1]  shocked us, not because of the court decision, which  we agree with, but with th... »

19 Jun 2015

Making Promises You Can’t Keep

You can sometimes get away with it.  Just not when the promise is made to an insurance company. Cottage Health System of California found that out when they suffered a computer breach, and then had ... »

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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.