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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. 

How Lenders Are Changing Insurance Requirements in 2026

How Lenders Are Changing Insurance Requirements in 2026What Owners, Developers, and Investors Need to Know In 2026, insurance is becoming a more critical part of the commercial real estate lending process. As insurers tighten underwriting standards and catastrophe losses continue to rise, lenders are strengthening insurance requirements to better protect the collateral behind their loans. For borrowers, this shift means insurance compliance is no longer just a closing formality, it is a key part of financing and ongoing risk management. Understanding how lender expectations are evolving can help owners and investors avoid delays, unexpected costs, and coverage gaps. Why Lenders Are Increasing Insurance Scrutiny The insurance market has changed, significantly,

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The ALS Group March 12, 2026

Why COI Compliance Isn’t About Certificates — It’s About Protecting Your Balance Sheet

Why COI Compliance Isn’t About Certificates — It’s About Protecting Your Balance Sheet For many organizations, Certificate of Insurance (COI) compliance is still viewed as an administrative task — collecting documents, tracking expirations, and checking contractual boxes. In reality, COI compliance is a critical financial risk control. When managed strategically, it directly impacts contractual risk transfer, protects the balance sheet, and strengthens operational resilience. Organizations that treat vendor insurance compliance as a core component of their risk management framework gain clearer visibility into third-party risk and significantly reduce the likelihood of uninsured losses. The Real Outcome: Stronger Risk Transfer and Financial Protection Every contractor, vendor, and third party introduces potential

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The ALS Group February 19, 2026

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

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
Two people review and sign risk management documents on a glass table

Is Your Insurance Compliance Fact or Fiction?

Let’s be honest—obtaining clarity on both a contract and the related insurance compliance has turned into one of the most daunting tasks for “upstream” parties like landlords, owners, and operators. When reviewing vendor contracts, are you confident that your insurance compliance is fact, or are you relying on fiction? Here are five key points to consider when verifying whether your insurance compliance is airtight or just wishful thinking: 1. Contract Clarity: Fiction or Reality? If the contract with your counterparty isn’t clear, you could be setting yourself up for a nightmare down the road. A legitimate, fact-based contract should include commercially reasonable insurance terms and limits that protect your interests.

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The ALS Group July 9, 2021
A person in a suit holding a pen over a blank piece of paper at a desk, with a glass of water and a laptop nearby.

Contracts and Additional Insureds – Do You Really Have Protection?

The Pitfalls of Generic Insurance Language: A Case Study on Additional Insured Protection Recently, an intriguing and concerning case highlighted a significant issue with generic insurance obligation language in contracts. In the dispute between Seven Up Realty and AJ Greenwich Contracting, the lack of specific language in the contract left Seven Up Realty without the crucial Additional Insured protection they expected from their contractor. This example underscores the importance of detailed insurance requirements in contracts and the risks associated with relying solely on Certificates of Insurance. The Case: Seven Up Realty vs. AJ Greenwich Contracting In the case at hand, Seven Up Realty had engaged AJ Greenwich Contracting for certain

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The ALS Group July 9, 2021
A person holding a magnifying glass over a stack of documents.

COI Compliance: Do You Sleep at Night?

There are industries that entail managing insurance compliance among large numbers of vendors/contractors, which challenges even the most organized firm to manage the compliance properly. If done right, it’s a process which requires diligence and specialized knowledge:  Each of these contractor relationships then generates a number of coverages, terms and back-and-forth communications. For these types of firms, the volume of data, communications and risks dictate a need for a robust and efficient compliance effort. Traditional insurance compliance for vendors, subcontractors and commercial tenants focuses on simply obtaining certificates of insurance (COIs) and calling that “protection”. Ostensibly, these COIs are proof of insurance; however, these are not by themselves good proof

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The ALS Group July 24, 2017

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