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Essential Intelligence: Assessments

Enterprise Risk Management Evaluations

Enterprise Risk Management Evaluations

Our view of a company’s ERM practices, informed by interactive discussions with senior management.

Benefits of an ERM Evaluation:
  • Provides a prospective view of an insurer's potential risk profile and change in capital position related to movements in risk drivers. 
  • Assesses whether an insurer executes risk management practices across the enterprise in a systematic and consistent manner.
  • Identify the extent to which its practices effectively limit risks within its appetite to achieve business goals and objectives.

The ERM Evaluation is not a credit rating. It is a stand-alone, on-request service and separate from our credit ratings.

The evaluation would include scores on risk culture, risk exposure management, and risk optimization, and scores on subfactors that affect risk exposure management, to arrive at our overall ERM Evaluation. 

Our ERM Evaluation Framework can be accessed here.

We would assess each of the three sections and then combine our assessments to derive an insurer's overall ERM Evaluation. The ERM Evaluation may include descriptive comparisons of an insurer’s ERM practices to a broad set of peers.

If your company focus is shifting from a “cost/benefit” line of thought to a “risk/reward” approach, an ERM Evaluation may be a helpful tool in responding to current and future challenges.

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  • Enterprise Risk Management (ERM) Evaluations

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New ERM Evaluation Framework Explained