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There have been a variety of organizations that have developed processes to create frameworks from which to create and implement ERM, including:

• Committee for Sponsoring Organizations (COSO)

• International Organization for Standardization (ISO 31000)

• A.M. Best

• Standard & Poor’s

• Risk & Insurance Management Society (RIMS)

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HSS has adopted the NAIC methodology within ORSA for its simplicity.

HSS has the experience, flexibility and independence (no hidden agenda to sell other products) to work with all frameworks. Selling sustainable value at a reasonable price will insure relationship renewals & value.