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Enterprise Risk Management (ERM) Insurance advisory for global corporate clients

What is Enterprise Risk Management (ERM) Insurance?

Basle Insurance Agency is a premier global provider of Enterprise Risk Management (ERM) Insurance, an integrated risk-transfer programme that aligns insurance capacity with the risk appetite, tolerance and strategic objectives defined under frameworks such as COSO ERM and ISO 31000. By consolidating multiple exposures into one structured placement, ERM Insurance gives CFOs, General Counsel and Risk Officers a coordinated limit architecture, fewer coverage gaps and a documented link between enterprise risks and risk financing across the United States, United Kingdom, European Union and Asia Pacific.

Enterprise Risk Management (ERM) Insurance programme architecture

Integrated placement

  • Multi-line programme combining property, liability, cyber, directors and officers and specialty cover
  • Aggregate and multi-year limit structures
  • Retention strategy aligned to risk appetite and tolerance
  • Captive and alternative risk transfer options where suitable
  • Parametric triggers for defined event risks

Alignment with COSO ERM and ISO 31000

Basle maps each programme to the COSO ERM framework and the principles of ISO 31000 so that risk transfer supports documented governance.

COSO ERM components

  • Governance and culture
  • Strategy and objective-setting
  • Performance
  • Review and revision
  • Information, communication and reporting

ERM Insurance claim triggers

Typical triggers

  • A covered loss event under any line included in the programme
  • Erosion of an aggregate retention or limit, as defined in the wording
  • A defined parametric event, where included
  • Notice given under the coordinated programme conditions

Global governance context

Boards in every major market are expected to evidence how enterprise risks are identified and financed.

Frameworks that inform programme design

  • SEC risk factor and board oversight disclosure requirements
  • UK Corporate Governance Code expectations on risk management and internal control
  • EU CSRD double materiality assessment
  • APAC listing and prudential governance rules

Who buys Enterprise Risk Management (ERM) Insurance

CFOs

  • Optimise total cost of risk and retention levels
  • Present a coordinated risk financing strategy to the board

General Counsel

  • Reduce gaps and conflicts between policies
  • Support disclosure of risk management practices

Risk Officers

  • Link the risk register to risk transfer decisions
  • Quantify scenarios and aggregate exposure

Why Basle Insurance Agency

  • Singapore-based structuring desk serving clients in the United States, United Kingdom, European Union and Asia Pacific
  • Placement with licensed insurers and sureties, with wording shaped around your obligations
  • Senior specialist engagement for CFOs, General Counsel and Risk Officers
  • Coordinated documentation for boards, investors, lenders and regulators

Buyer FAQ

ERM Insurance is an integrated risk-transfer programme that aligns insurance capacity with enterprise risk appetite and strategy, usually combining several lines into one coordinated structure.

Programmes are mapped to the COSO ERM components so that risk identification, appetite and risk financing are documented and consistent.

Typically property, liability, cyber, directors and officers and specialty lines, with options for captives and parametric covers where suitable.

Outcomes depend on risk quality and market conditions. Integration can reduce overlaps and let retentions be set against appetite, which supports cost efficiency.

Usually the CFO or Risk Officer, with General Counsel involved in wording and disclosure.

Send the current insurance schedule, risk register summary, group structure and jurisdictions. A Basle specialist will respond with a programme review.

Request an ERM Insurance review

Speak with a Basle specialist about integrating your risk transfer.

Request an ERM Insurance review

Basle Insurance Agency arranges insurance and surety placements with licensed carriers. Availability, terms and pricing depend on jurisdiction, underwriting and regulatory requirements. Nothing on this page is an offer of cover or legal, financial or investment advice.