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Risk Management Assessment
Company logo for “The ALS Group” featuring a stylized blue and white lightburst graphic
RMA

The ALS Group Risk Management Articles

We manage more than a quarter billion dollars of premiums for a diverse range of clients around the globe. 

Managing Supply Chain and Construction Delay Risk – A Proactive Framework for Owners, Developers, and Leaders Introduction 

Managing Supply Chain and Construction Delay Risk – A Proactive Framework for Owners, Developers, and Leaders Introduction  In today’s construction environment, supply chain disruption is no longer an exception—it is an expectation. Material shortages, extended lead times, labor constraints, and global instability are increasingly impacting project delivery.  For owners, developers, and lenders, these challenges extend beyond scheduling—they introduce financial uncertainty, contractual exposure, and misalignment between risk and insurance coverage.    At The ALS Group, we approach these risks through an Enterprise Risk Management lens—recognizing that delay risk is interconnected across contracts, insurance, and execution.  Why Supply Chain Risk Matters  Construction projects operate within a fragile ecosystem where disruption in one area can cascade across the project

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The ALS Group March 26, 2026

How Lenders Are Changing Insurance Requirements in 2026

How Lenders Are Changing Insurance Requirements in 2026What Owners, Developers, and Investors Need to Know In 2026, insurance is becoming a more critical part of the commercial real estate lending process. As insurers tighten underwriting standards and catastrophe losses continue to rise, lenders are strengthening insurance requirements to better protect the collateral behind their loans. For borrowers, this shift means insurance compliance is no longer just a closing formality, it is a key part of financing and ongoing risk management. Understanding how lender expectations are evolving can help owners and investors avoid delays, unexpected costs, and coverage gaps. Why Lenders Are Increasing Insurance Scrutiny The insurance market has changed, significantly,

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The ALS Group March 12, 2026

Why Every Business Needs a Risk Management Assessment

Why Every Business Needs a Risk Management AssessmentMost businesses believe their insurance program fully protects them—until a claim reveals otherwise. In reality, many organizations unknowingly carry insurance coverage gaps, operational vulnerabilities, or contractual exposures that could significantly impact their financial stability. A Risk Management Assessment (RMA) provides a structured process to uncover those risks before they turn into costly losses. For businesses of all sizes—but especially small and mid-sized companies—an RMA can deliver measurable outcomes: improved protection, stronger operational resilience, and a clearer understanding of the organization’s risk profile. The Outcome: Identifying Risk Before It Becomes a Loss The primary objective of a Risk Management Assessment is simple: identify and

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The ALS Group March 5, 2026

Why COI Compliance Isn’t About Certificates — It’s About Protecting Your Balance Sheet

Why COI Compliance Isn’t About Certificates — It’s About Protecting Your Balance Sheet For many organizations, Certificate of Insurance (COI) compliance is still viewed as an administrative task — collecting documents, tracking expirations, and checking contractual boxes. In reality, COI compliance is a critical financial risk control. When managed strategically, it directly impacts contractual risk transfer, protects the balance sheet, and strengthens operational resilience. Organizations that treat vendor insurance compliance as a core component of their risk management framework gain clearer visibility into third-party risk and significantly reduce the likelihood of uninsured losses. The Real Outcome: Stronger Risk Transfer and Financial Protection Every contractor, vendor, and third party introduces potential

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The ALS Group February 19, 2026

Cyber Risk and Artificial Intelligence: A Defining Enterprise Risk for 2026

Cyber Risk and Artificial Intelligence: A Defining Enterprise Risk for 2026 Cyber threats continue to rank as the most significant global business risk facing organizations today. Recent industry research highlights that cyber incidents have remained the top corporate risk for multiple consecutive years, driven by increasing reliance on digital infrastructure and interconnected operating environments. At the same time, artificial intelligence (AI) is rapidly reshaping the threat landscape by accelerating both the scale and sophistication of cyberattacks. For executive leadership teams, the convergence of cyber and AI risk is no longer a future concern — it is an immediate enterprise risk management priority. Cyber Risk Has Become a Core Business Exposure

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The ALS Group February 11, 2026

Another Promotion To Celebrate

Another Promotion To Celebrate We are proud to announce the promotion of Heather Hutchison to Senior Compliance Administrator. Heather comes from a Construction Administration background that has helped her integrate into our ALS team back in 2023. In the last 3 years, Heather’s dedication  and commitment to excellence continues to strengthen our Certificate of Insurance Compliance services and the support we offer our clients day in and day out. Please join us in congratulating Heather on this well-deserved achievement.

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The ALS Group February 5, 2026

OSHA Recordkeeping Season: Why It Matters More Than a Deadline

OSHA Recordkeeping Season: Why It Matters More Than a Deadline OSHA recordkeeping season is more than a compliance deadline. When approached strategically, it becomes a meaningful tool for improving safety outcomes, controlling claim costs, and strengthening an organization’s overall risk profile. For leadership, it also serves as a barometer of how effectively workplace risk is being managed throughout the year. Updated guidance from OSHA (https://www.osha.gov/recordkeeping)  outlines the annual recordkeeping obligations applicable to most organizations with 11 or more employees. Employers are required to maintain injury and illness records using the following forms: Certain employers are also required to submit this information electronically to OSHA by March 2nd. Recordable incidents generally

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The ALS Group January 29, 2026

Congratulations on a Well-Deserved Promotion

Congratulations on a Well-Deserved Promotion Since joining ALS, Reynolds has consistently demonstrated exceptional leadership, technical expertise, and strategic insight across a wide range of complex risk management and insurance matters. With more than a decade of industry experience, he brings a unique blend of legal, financial, and risk advisory knowledge that continues to enhance the value we deliver to our clients. In his expanded role as AVP, Risk Services, Reynolds will continue to support senior leadership, advise clients on sophisticated risk management strategies, and mentor team members as we grow our platform and deepen our service capabilities. Reynolds holds a Bachelor of Science in Accounting from the University of Florida

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The ALS Group January 22, 2026

LOOKING AHEAD: RISK, RESILIENCE & READINESS

LOOKING AHEAD: RISK, RESILIENCE & READINESS A Year-End Message from the President of The ALS Group As we close out another year and look forward to 2026, I want to thank our clients, colleagues, and friends for the trust you place in The ALS Group.  In an environment defined by uncertainty, volatility, and rapid change, that trust is never taken lightly. This past year reinforced a lesson we see repeatedly: risk is rarely created by a single event – it is created by blind spots.   Whether driven by natural catastrophes, supply-chain disruptions, litigation trends, cyber incidents, labor shortages, or evolving contractual obligations, organizations are increasingly impacted not by what they

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The ALS Group January 22, 2026

From Privacy to Risk: Navigating the CCPA’s New Risk Assessment Requirement

From Privacy to Risk: Navigating the CCPA’s New Risk Assessment Requirement A recent Troutman Pepper Locke article, “Analyzing the CCPA’s New Risk Assessment Requirement,” underscores a growing regulatory focus on proactive privacy risk management. Under updated CCPA regulations effective in 2026, businesses engaging in higher-risk data processing—such as handling sensitive personal information, selling or sharing data, or using automated decision-making—must conduct formal privacy risk assessments. From a compliance and enterprise risk perspective, these requirements elevate data governance, documentation, and internal controls from best practices to regulatory necessities. Organizations that integrate privacy risk assessments into their broader risk management framework will be better positioned to manage regulatory exposure, demonstrate due diligence,

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The ALS Group January 20, 2026

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