While many companies have taken financial hits because of unforeseen events, a significant number of executives don’t have a complete understanding of their company’s exposure to risk and are unable to identify their risk management strategies, according to a study conducted by Forbes magazine and sponsored by Zurich.

According to the 414 U.S. executive respondents — representing banking and financial services, construction, health care and real estate — unseen risks in the following areas have caused companies financial damages:

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