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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. 

Map Out Your Risk – Beware of High Hazard Flood Zones

Real estate is one of the most important assets one can have regardless of owning personally or as a business entity. As they say, it’s all about location, location, location – so you better know exactly what risks you are going to be exposed to when looking to purchase new property or simply evaluating your current location(s). In the aftermath of Superstorm Sandy the scrutiny of flood insurance policies is at an all-time high, particularly, in the northeast. When assessing the value of any new or current property and the insurance requirements and costs that come with it, understanding where it is in relation to local flood zones is critical.

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The ALS Group July 25, 2013

Parental Control Tools Online Can Mitigate Your Risks – Yep, There’s An App For That!

Despite being ripe with positive, useful and educational information, the internet is chock-full of potent dangers, and your children can get into quite a few uncomfortable and, sometimes, dangerous situations whether it is intentional or not. As highlighted in our past blogs on this topic, if you have a standard Homeowners policy, you will likely have little protection from the legal liabilities that can result from inappropriate actions via the internet.

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The ALS Group June 25, 2013

Human Error and Enterprise Risk Management

When evaluating your company’s risks, one concept that is frequently overlooked is the idea of how human error could impact your organization.  Until recently, there has been very little written on this subject. However, in the recent issue of the RIMS Risk Management Magazine, an article by Tony Kern and David McKay touched on this point and successfully demonstrated how human error is one risk that companies must continually monitor.

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The ALS Group June 18, 2013

Construction and Certificates of Insurance – Are You Covered?

One of the most commonly found clauses in any construction contract is the requirement of one party to name another party as an additional insured. It is found in The American Institute of Architects (AIA) documents, the Consensus DOCS, and was inserted in almost all manuscript agreements.

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The ALS Group June 6, 2013

Cyber Exposures Uncovered

What is your business doing to protect itself from the cyber liability threats it faces?  Hackers see small businesses as cash cows and the number of cyber breaches has grown exponentially in recent years.  Smaller to midsize businesses have become the quick and easy target for cyber criminals because of easy access and high payout. As a business owner, you must evaluate your risks and have mitigation strategies in place.

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The ALS Group May 30, 2013

Six Tips to Better Manage a Virtual Workforce

The face of the American workforce is changing. Today’s organizations include many employees who work almost solely from home. Many of today’s managers agree that virtual work saves organizations money and, actually, increases productivity. However, home-based employees create new risks for employers.

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The ALS Group May 29, 2013

Does Your Homeowners Policy Respond To The Possible Legal Suits Due to Your Kids Online Activity?

Social media is beyond just emerging now – in fact it is exploding, pervasive and entering many aspects of our lives including Personal Lines insurance.  As articulated in the previous blog on this topic, while parents may be concerned about their children’s online activities, they are not actually thinking about the issue from a risk management and insurance perspective.

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The ALS Group May 22, 2013

Social Media – Risk vs. Reward

One of the most prominent areas of marketing today involves social media.  Right now you are reading this posting via an on-line platform and, while this is becoming the norm, the risks social media brings are far from “normal”.

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The ALS Group May 16, 2013

Can You Identify Red Flags in the Life of a Workers’ Injury?

Certain indicators early in the life of a workers’ injury are red flags — a strong possibility your employee’s healing will be delayed or that the claim may be fraudulent. If you notice any of the following signs, discuss the claim with your adjuster as soon as possible. Once the management of a workers’ compensation injury goes astray, it is usually difficult to bring it back to center.

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The ALS Group May 15, 2013

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