Person shoveling snow with a red shovel, wearing black pants and boots

What is your Snowstorm Response Plan

US weather patterns continue to be unpredictable and the Northeast is getting its first taste of snow, so I thought it would be good to reinforce how important it is to have a comprehensive storm response plan.Snowstorms can cause a variety of problems such as, power outages, pipe bursts, and inaccessible roadways for many residents and businesses throughout the U.S. Alternatively, businesses that have remote workers must also deal with issues pertaining to widespread residential outages which can serve as a major disruption for employees with home offices. So, what can you do? If you need more information on any of the topics covered in this blog, or need help

The ALS Group December 13, 2023

A column of flames rises from a metal container on a stand

Thanksgiving- Roast Your Turkey- Please

Thanksgiving is just around the corner. We all know this is a time for getting together and enjoying a meal with family and friends.

The ALS Group December 12, 2023

Silhouetted cranes and machinery work at a port under a dramatic sky with heavy cloud cover.

Hurricane Preparedness For Businesses: A Comprehensive Guide

Hurricanes are one of the most destructive forces of nature, and businesses located in hurricane-prone areas, particularly along the Atlantic coast, must prepare for the inevitable impact of these storms. While we often think of hurricanes in terms of immediate physical damage, the ripple effects—like prolonged power outages, loss of internet, and disruptions to supply chains—can cripple business operations for extended periods. Preparing your business before hurricane season can mitigate potential risks, reduce financial loss, and ensure faster recovery.

The ALS Group August 15, 2023

Hired and Non-Owned Automobile Coverage – “but I have no autos”

An often misunderstood insurance coverage that is very important for a business, is Hired and Non-Owned Automobile (“HNOA”) coverage. Most of the time, the company that is considering such coverage doesn’t think it has exposure to this particular risk since they do not own any automobiles. This could not be further from the truth… Recently, there was a tragic accident in NYC Times Square, where a delivery vehicle on its way to a jobsite fatally injured a pedestrian. So, here’s what will, most likely, happen…the family of the deceased would, surely, look to the driver of the vehicle and the company that owns it for compensation. Unfortunately, that’s not it, they [the

The ALS Group November 7, 2022

New Commercial Property Endorsement Can Mean Problems for Landlords

The discovery of methamphetamine labs is an ongoing issue across the United States, with National Public Radio reporting that around 300 meth labs are found each week. If you own or manage rental properties like apartments, hotels, or boarding homes, there’s a chance that one of your tenants could turn your property into a meth lab—leading to substantial damage and clean-up costs. And with recent changes in commercial property insurance, you may face even more challenges when trying to mitigate these risks. Meth Labs and Your Commercial Property Insurance: What’s Changed? Since 2013, a new endorsement, Exclusion of Loss Due to By-Products of Production or Processing Operations (Rental Properties) (form

The ALS Group September 5, 2022

L&L Secures Financing Package for 425 Park Avenue

The ALS Team congratulates our client, L&L Holding Company, on completing $9111.4 million financing on the iconic 47-story office tower at 425 Park Avenue. The finance package, obtained through a consortium of lenders led by Blackstone Real Estate Debt Strategies, replaces 425 Park’s original construction loan and will cover the final stages of the project, including full lease-up, prior to being replaced by permanent financing. We are proud to have had the opportunity to support risk management needs of L&L Holding Company on this project!

The ALS Group December 22, 2021

Red padlock with the word "Ransomware" in white over a blue background filled with binary code.

CISA/FBI Holiday Cyber Advisory

As air travel for the upcoming Thanksgiving weekend spiked to pre-pandemic levels and AAA estimates over 53 million people will hit the road this holiday, the Cybersecurity & Infrastructure Security Agency (CISA) and FBI issued an advisory yesterday, warning critical infrastructure partners that malicious cyber actors tend to strike during holiday weekends. “Although neither CISA nor the FBI currently have identified any specific threats, recent 2021 trends show malicious cyber actors launching serious and impactful ransomware attacks during holidays and weekends.” This advisory, once again, emphasizes the importance of organizations being vigilant and taking proactive measures to minimize the risk and impact of a potential cyber-attack, which, based on 2021 trends, seems

The ALS Group November 23, 2021

Additional Insured Vs. Named Insured on a Liability Insurance Policy

Email has been a part of our everyday life for quite some time now. These days with some restrictions imposed on face-to-face interaction, email has become an effective way to communicate. As a result of this the number of emails sent and received daily has been steadily increasing each year. According to Campaign Monitor an average person sends and receives 121 business emails per day. While, this is an effective way to communicate, handling such an amount of emails can become a challenge if one does not have a strategy of how to manage them. Managing incoming emails and ensuring that emails you send are effective is important in this

The ALS Group November 16, 2021

Effective Email Risk Management

Email has been a part of our everyday life for quite some time now. These days, with some restrictions imposed on face-to-face interaction, email has become an effective way to communicate. As a result of this, the number of emails sent and received daily steadily increases each year. According to Campaign Monitor, an average person sends and receives 121 business emails per day. While this is an effective way to communicate, handling such an amount of emails can become a challenge if one does not have a strategy for managing them. Managing incoming emails and ensuring that emails you send are effective is important in this digital age. A few

The ALS Group November 10, 2021

A green road sign with the bold text "CYBER CRIME" stands out against a cloudy sky background

OFAC Advisory Makes Paying Cyber Extortion Ransom Illegal

Cyber Extortion Ransom Illegal Ransomware continues to be a major issue for companies regardless of size. It may be hard to believe, but the reason for this lies with the victims. The quickest and most often used resolution to the attack is to pay the ransom. While paying the ransom may resolve a problem for an organization, it encourages cyber criminals to continue the attacks. To combat it, OFAC, the U.S. Department of the Treasury’s Office of Foreign Assets Control, issued an Advisory in October 2020 stating that paying the ransom to a malicious actor in a ransomware event could land a company in hot water; and by hot water

The ALS Group September 29, 2021

Our areas of expertise include:

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The ALS Group Risk Management Articles

What is your Snowstorm Response Plan

Thanksgiving- Roast Your Turkey- Please

Hurricane Preparedness For Businesses: A Comprehensive Guide

Hired and Non-Owned Automobile Coverage – “but I have no autos”

New Commercial Property Endorsement Can Mean Problems for Landlords

L&L Secures Financing Package for 425 Park Avenue

CISA/FBI Holiday Cyber Advisory

Additional Insured Vs. Named Insured on a Liability Insurance Policy

Effective Email Risk Management

OFAC Advisory Makes Paying Cyber Extortion Ransom Illegal

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