Enterprise Risk Management (ERM) includes identifying and addressing the major risks that can have a
negative impact on a large organization. For many years, ERM was addressed in a decentralized
fashion, with different parts of a company addressing those risks most closely related to their own
business or functions. Increasingly, however, companies are taking a more formal, top-down approach to
ERM. Areas of particular recent interest have included the risk from terrorist attacks and pandemics,
although ERM encompasses a much wider variety of considerations.
In this session, the panelists discuss how disability insurance fits into an organization's overall enterprise
risk management strategy. Attendees gain an understanding of how their customers view disability
insurance in the larger risk management context.