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Risk Management Assessment
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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. 

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What is Business Personal Property Coverage & What Does it Include?

One of the most underrepresented and disregarded coverage extensions on a commercial property policy is personal property. That is, Business Personal Property (BPP) – the personal property which is owned by the entity that is the named insured on the policy.  BPP covers a variety of items that are typically identified with being owned in relation to the premises identified on the declaration page of your policy. It is not typically intended to insure the personal property of a firm’s employees or guests. Over the course of the last fifteen years there have been several changes to significantly expand the definition of BPP in several different ways. Keep in mind

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The ALS Group October 9, 2014

ERM: Process or Strategy? Where is the Value?

The recent Enterprise Risk Management (ERM) Workshop held by North Carolina State University was chock full of valuable information. It was attended by seasoned risk and audit professionals all looking for ways to improve the effectiveness of their own ERM programs.

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The ALS Group October 8, 2014

Risk & Compliance Summit: A Recap

Risk, construction and compliance are three concepts that weigh heavily on the minds of owners and contractors globally. This was evident at the recent Risk & Compliance Summit held at Georgia Tech in Atlanta last week.

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The ALS Group October 6, 2014

ERM: A Riddle Wrapped Up In an Enigma

While it was never the intent of Winston Churchill that his famous description of Russia’s intentions in 1939 would apply to Enterprise Risk Management (ERM), the analogy applies pretty well. “It is a riddle, wrapped in a mystery, inside an enigma, but perhaps there is a key.” I firmly believe there is a key to a proper, productive and easily understood ERM program.

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The ALS Group October 2, 2014

High-Powered Construction Equipment Requires High-Powered Risk Protection

In 2012, the most recent year for which data is available, the United States Bureau of Labor Statistics reported 849 construction worker fatalities. Crane accidents make up a large number of these deaths and an even greater number of construction-related injuries each year.  Not only can a crane accident cause significant injury to workers on a construction site, but it can also cause injury and death to innocent passersby of the site.  Given the risk associated with crane operation on a construction site, what should you – owners and contractors – do to mitigate this risk and limit your exposure?

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The ALS Group September 25, 2014

Insider IT Threats

IT-related threats originate from multiple angles, all of which require proper attention and application of mitigation techniques. Perhaps the biggest threat to a company’s IT security is their internal contacts (staff, vendors, contractors, etc.). Many companies are utilizing heightened IT security measures, but fail to account for the negligible or malicious actions from these internal contacts who often have high-level access to company systems.  Inside access often isn’t monitored and can easily lead to stolen data or corrupted systems.

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The ALS Group September 22, 2014

Safety and OSHA Compliance

As stated in my May Blog, there are many regulations an organization needs to implement and maintain in order to be in compliance with the Occupational Safety and Health Administration (OSHA) and avoid fines and risks associated with not being compliant.

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The ALS Group July 8, 2014

Data Breach – A Complicated Issue Where No Two Attacks Are The Same

When looking at a company’s risk, one of the most overlooked aspects is how it manages its informational security. In their most recent Data Breach Investigations Report, Verizon was able to classify 92% of the millions of breaches over the past few years into nine basic patterns. It would be a reasonable assumption that these nine patterns of attack would be the same across the business landscape. Unfortunately this is not the case as the sophistication of the attacks change depending on a company’s industry. As an example representing both the Financial and the Energy/Utilities Sectors, the highest type of breach was web app attacks. This occurred as the retail

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The ALS Group June 10, 2014

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