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Risk Management Assessment
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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

Silent Cyber – Buyer Beware When Renewing Property Policies

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  

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The ALS Group September 11, 2025

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

Claims Are Won or Lost at Birth: Why You Must Get It Right from the Start

Claims Are Won or Lost at Birth: Why You Must Get It Right from the Start Claims Are Won or Lost at Birth: Why You Must Get It Right from the Start In the world of risk management, claims are inevitable—but how they are handled from the moment they arise can make all the difference. We often say that a claim must be “born right” because the initial response sets the tone for the entire lifecycle of the claim. Whether it’s a property loss, a workers’ compensation injury, or a complex construction defect allegation, how an organization reacts in the first hours or days following an incident directly affects the

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The ALS Group July 22, 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

Cyber Liability Insurance is a Must for Every Business

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’

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The ALS Group May 16, 2025

Adapting to an Aging Workforce: The Future of Workers’ Compensation Claims

People are living longer and with this comes a population that is aging. According to the World Health Organization (WHO), the population of those 60 years of age or older will total two billion by the year 2050. For comparison, in 2015 the 60+ population was 900 million. But what are the implications for the workforce and how will this impact employers’ and workers’ compensation (WC) claims? According to the Pew Research Center, people are now working and planning to work past the average retirement age of 65. The data shows that roughly one in five Americans aged 65 years old, were employed in 2023; The fastest-growing age group in

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The ALS Group October 1, 2024

A Comprehensive Guide to Investigating and Reporting Workplace Accidents

Accidents that happen in the workplace often result in serious situations. Effectively investigating both accidents and near-misses is crucial to preventing future incidents. A well-structured accident investigation process not only helps you to understand what went wrong, but also to implement corrective actions, leading to overall improved safety. Below, we have detailed a comprehensive guide on how to report and investigate workplace accidents, from the initial fact-finding process to implementation of corrective measures. Key Considerations Fact-Finding Process for Event Reconstruction Gather Information This initial step is critical to determining facts and circumstances of the event. All relevant information about the accident or near miss is gathered, this includes collecting evidence

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The ALS Group September 30, 2024

Implementing and Managing an Effective Accident Investigation Program

No one wants accidents to happen; but if an accident does occur, it is important to make changes so similar accidents do not occur in the future. Through a formal accident investigation procedure, organizations determine the root cause(s) of incidents and take action to prevent a recurrence. Conducting effective accident investigations is crucial for organizations that want to reduce workplace injuries and illnesses. If left unchecked, today’s near miss can become tomorrow’s accident or major disaster.​ Accident investigations have many benefits, including the ability to: To be able to benefit from the utilization of accident investigations, the fundamentals of the program should be integrated into the company’s written safety and

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The ALS Group September 30, 2024

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