We manage more than a quarter billion dollars of premiums for a diverse range of clients around the globe.
A risk management consultant is an advisor who identifies, evaluates and helps reduce the financial, operational and contractual risks a business faces, then helps put a plan in place to manage them. Unlike an insurance broker, a risk management consultant is typically not selling a policy.
A certificate of compliance for insurance usually refers to a Certificate of Insurance (COI). It is an official, condensed document issued by an insurance provider that serves as quick, verifiable proof that a business or individual holds active insurance coverage, including policy limits, effective dates and types of coverage.
The 5 principles of risk assessment, identify hazards, decide who is exposed, evaluate and prioritize, record and treat, and review, explained for enterprise risk management.
Hurricane Season Is here. Most Organizations Are More Exposed Than They Realize. Every year, property owners, lenders, developers, and asset managers tell themselves the same thing: “We already have insurance.” “We’ve been through storms before.” “We’ll deal with it if something happens.” Then the hurricane hits. And suddenly: – The deductible is far larger than expected – The policy contains exclusions nobody noticed – The contractor’s insurance is inadequate – Critical endorsements are missing – Delays increase uninsured losses – Business interruption coverage doesn’t respond as anticipated – Vendors disappear when they are needed most – Claims drag on for months – Investors and lenders begin asking difficult questions The
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
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,
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
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
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
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.
