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When You Need An Advisor

You Need a Risk and Insurance Advisor If:

  1. You don’t feel you have control over the increasing cost of your insurance program.
  2. Your insurance program hasn’t been competitively bid in the last three years.
  3. You are within 60 days of your program renewal date and don’t have a firm written proposal from your broker.
  4. You’re not comfortable that you understand your risks and whether you are covered for them.
  5. You’re actively involved in acquisitions or divestitures.
  6. You’re in a rapidly changing business.
  7. Your company is growing rapidly.
  8. You haven’t managed the flows of liabilities via contracts with customers, partners, subcontractors, etc.
  9. You are in a turnaround mode.
  10. You want to outsource your risk management so you can focus on your core business.
  11. You’ve had the same broker for years; and commissions are not disclosed.
  12. You get your risk and insurance advice from your broker.
  13. Someone is asking you to sign a “broker of record” letter.
  14. You only get a 5 page proposal on which you agree to bind coverage.
  15. You have never had an independent risk and advisor working for you.








Licata Risk Licata Risk & Insurance Advisors, Inc.
137 South Street, Second Floor
Boston, MA 02111-2848
617-451-2140     [email protected]
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.