According to COSO, Enterprise Risk Management (ERM) is a process, affected by a company’s board of directors, c-suite, management and other personnel, applied as a strategy and across the enterprise. Case in Point developed the Catastrophe Advantage ProgramSM (CAP) CAP is an innovative tool that optimizes this companys ability to respond to disaster-related events. The company has established a 24-hour, toll-free Natural Disaster Hotline that will remain active for quite some time.”]