Driving Results Through Strategic Risk & Insurance Advisory

A small business had insurance in place but no confidence it actually protected them. Policies were renewed year after year without scrutiny, costs continued to rise, and leadership had no clear visibility into gaps, overlaps, or misalignment with their operations. Without a structured Risk Management

A New Jersey–based real estate investment firm managing over 60 properties and approximately 3,000 residential units engaged ALS to review and modernize its insurance program. Over time, the portfolio had become fragmented across multiple policies, carriers, and entities, resulting in inefficiencies, coverage gaps, and excessive

A large real estate management company overseeing more than 3,800 residential units was experiencing increasing claims frequency, rising reserves, and growing involvement in lawsuits tied to vendor activities. Operational gaps—including inconsistent incident reporting, weak contractual protections, and lack of oversight of vendor insurance—were driving an

A prestigious New York City private club occupying a historic landmark building engaged ALS to conduct an independent review of its insurance program. The club maintained a significant Fine Arts collection, including rare and high-value pieces, creating complex and elevated risk exposures. Initial findings suggested

A major real estate client engaged The ALS Group with an urgent request: they were launching a new office cleaning business and needed a fully operational insurance program in place within two weeks. The new venture included nearly 200 employees and immediate servicing of multiple

Recovering a Six-Figure Overcharge in a Workers’ Compensation Retro Program The Situation A long-standing ALS client—a large manufacturing company in New Jersey—received a substantial, unexpected invoice from its Workers’ Compensation carrier tied to a retrospective premium adjustment. The charge stemmed from a loss-sensitive program, where