The ALS Group Risk Management Articles

Staying Safe This Halloween: Risk Awareness for the Whole FamilyHalloween is one of the most exciting times of the year for kids — and for many of us here at The ALS Group, it’s a time to participate in the fun with our own children, grandchildren, nieces, nephews, and neighbors. But with all the costumes, candy, and celebrations, it’s also a night filled with risks that can easily catch families off guard.Being proactive with little ones can be challenging — kids love to surprise us with their boundless energy and spontaneity! But a bit of preparation can make all the difference in keeping everyone safe and ensuring the evening is

The Growing Risk of Uninsured Loss As properties become more connected, Silent Cyber has emerged as a dangerous blind spot. Cyber-related events — hacks, malware, or system failures — are increasingly excluded from Property policies, leaving even physical damage uninsured. Insurers are rapidly standardizing broad cyber exclusions (LMA5400, CP 10 75, CP 10 76), and Liability policies are tightening too. What looks like routine policy language could leave owners and managers with massive out-of-pocket losses. Download the full whitepaper to learn how insurers are reshaping coverage — and what steps you can take now to protect against Silent Cyber exposures. Click Here to Download our WhitePaper on Silent Cyber

When the Leaves Change, Risks Return: Fall’s Hidden Liabilities for Businesses and Projects As summer turns to fall, your risk landscape shifts in ways that may not be obvious until it’s too late. From changing weather patterns to contract deadlines, certain exposures tend to resurface every year — and if you’re not prepared, they can quickly become costly. Here are five risks to keep on your radar this season — and why it’s worth reviewing them now. 1. Weather Shifts You Weren’t Expecting Fall weather can turn on a dime. Heavy rain, high winds, or an early frost can disrupt schedules, damage property, or create unsafe conditions. Tip: Don’t wait

Stay Safe This Fourth of July: Fireworks Safety Tips from The ALS Group As we prepare to celebrate Independence Day with backyard barbecues, parades, and of course, fireworks, it’s important to keep safety top of mind. While fireworks are a hallmark of the Fourth of July, they also pose serious risks if not handled properly. According to the National Safety Council, fireworks cause approximately 19,000 fires annually in the U.S. and result in thousands of injuries, particularly among children and young adults under 20. Most of these incidents occur during the weeks surrounding the holiday. To help you enjoy the festivities safely, The ALS Group recommends the following important fireworks

Cyber Liability Insurance is a Must for Every Business Each week brings fresh headlines about the rising frequency and cost of cyberattacks — particularly ransomware. While major breaches at large corporations grab media attention, small and mid-sized businesses are increasingly becoming prime targets. In the past 60 days alone, I came across two excellent articles in Risk & Insurance that explored this growing threat and its impact on businesses of all sizes. I encourage you to take a moment to review them: Both articles link to detailed reports from respected cyber insurance providers, Coalition and At-Bay, offering valuable insights into the current threat landscape.  As technology evolves, so do cybercriminals’