Stamford, Conn. — Insurers around the globe are finding it challenging to fully implement essential risk and capital management processes that would enable them to realize the full potential of enterprise risk management (ERM), according to Towers Perrin’s 2008 insurance industry ERM survey.

Conducted during May and June of 2008, prior to the global financial crisis, the global Web-based survey targeted 359 insurance and reinsurance executives. Respondents were split between North America (49%) and the rest of the world, with 29% from Europe, 19% from the Asia/Pacific region, 2% from Latin America, and 1% from Africa and the Middle East.

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