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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. 

Cyber Risk and Artificial Intelligence: A Defining Enterprise Risk for 2026

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

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The ALS Group February 11, 2026

From Privacy to Risk: Navigating the CCPA’s New Risk Assessment Requirement

From Privacy to Risk: Navigating the CCPA’s New Risk Assessment Requirement A recent Troutman Pepper Locke article, “Analyzing the CCPA’s New Risk Assessment Requirement,” underscores a growing regulatory focus on proactive privacy risk management. Under updated CCPA regulations effective in 2026, businesses engaging in higher-risk data processing—such as handling sensitive personal information, selling or sharing data, or using automated decision-making—must conduct formal privacy risk assessments. From a compliance and enterprise risk perspective, these requirements elevate data governance, documentation, and internal controls from best practices to regulatory necessities. Organizations that integrate privacy risk assessments into their broader risk management framework will be better positioned to manage regulatory exposure, demonstrate due diligence,

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The ALS Group January 20, 2026

Re-emerging Fall Risks

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

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The ALS Group September 3, 2025

Stay Safe This Fourth of July

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

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The ALS Group July 3, 2025

Summer Risks

Five Summer Risks for Which Every Business  Must Prepare https://www.rmmagazine.com/articles/article/2021/09/01/protecting-workers-in-extreme-heat Summer is a time for growth, travel, and outdoor events—but for many businesses, it’s also a season of higher risks. From extreme weather to increased cybersecurity threats, business owners need to stay vigilant. Here are five common summer-related risks to be aware of, and how to prepare your organization for them: 1. Heat-Related Workplace Hazards Risk: Employees who work outdoors or in non-air-conditioned spaces face higher risks of heat exhaustion, dehydration, and even heatstroke. Tips to Mitigate: 2. Summer Storm Damage Risk: Thunderstorms, high winds, and flooding are common in the Northeast during summer. Power outages or property damage can

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The ALS Group June 20, 2025
Contractor Toolbox with Tools, Gloves and Glasses

The Risk Management Plan – Identification & Measurement

This is the second chapter in a series of articles focused on strategies that should be part of any company’s risk management plan to, effectively, manage the Total Cost of Risk (“TCoR”). Our previous chapter on the subject introduced basic concepts in risk management: including risk identification and risk impact, Enterprise Risk Management (“ERM”), and how to, better, forecast and be prepared for “risk events”. This paper will focus on ways in which a company can capture and measure the impact of their major risks using a risk register. By creating a risk register, an organization will have a more structured framework to capture and measure the financial impact of

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The ALS Group July 17, 2024
Risk management diagram

Enterprise Risk Management and Total Cost of Risk – Concepts that Align

As insurance procurement becomes more difficult, the industry is inherently requiring an organization to be more thoughtful and responsible for managing its own risk. Gone are the days when underwriters will broadly accept risks that are not well understood or managed by an organization. The concept of risk and insurance is not a “one-dimensional” purchasing strategy but rather a process that an organization should embrace to determine what the most material risks are that could affect their organization and what the financial impact could be of those risks. The result can provide a basis for an organization’s risk appetite1 and how accepting or avoiding risks aligns with the organization’s strategic

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The ALS Group May 23, 2024
Close-up of a file tab labeled "Risks" in a filing system, highlighting the importance of risk management services.

There’s Value in Measuring the Total Cost of Risk (TCoR)

Businesses face a wide range of risks that can impact their operations, profitability, and long-term sustainability. Understanding and controlling these risks is crucial for staying competitive and positioning a company for growth. One essential tool for achieving this is by measuring the Total Cost of Risk (TCoR).

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The ALS Group April 4, 2021
Managing Risks and Opportunities

Managing Risks and Opportunities

The idea for this blog was conceived by Marshall Ma, who joined The ALS Group as a Risk Management Intern and now provides support on client accounts as Technical Analyst, based on the Chinese ideogram for “crisis”. It just happens that Marshall is fluent in Mandarin and is passionate about risk management. She is an Enterprise Risk Management Graduate and Lecturer at Columbia University. While at Columbia, Marshall spent a lot of time working on campus educating her peers and supporting industry outreach. She also participated in risk assessment and mitigation for the campus’ internal Career Design Lab.

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The ALS Group September 23, 2020
A large iceberg, with a small visible portion above the water

Total Cost of Risk (TCoR) – Strategies for Cost Savings

As part of any effective risk management program, the quantification of the Total Cost of Risk (“TCoR”) is an important number to focus on. This article focuses on how Workers Compensation (“WC”) costs contribute to a company’s TCoR and, specifically, how the Experience Modification (“X-MOD”) factor works and can be managed. We take TCoR seriously in our risk advisory practice as having a TCoR that is lower than a company’s peers gives that company a competitive advantage in, both, how it conducts its business and the opportunities it can pursue.

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The ALS Group April 21, 2020

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