The Role of Enterprise Risk Management in Enhancing the Sustainability of Saudi Insurance Companies Under Vision 2030

This study examines the role of Enterprise Risk Management (ERM) in enhancing the corporate sustainability of Saudi insurance companies within the context of Saudi Vision 2030. The study assumes that effective ERM implementation contributes to long-term financial and technical sustainability, and that ERM maturity improves operational performance by reducing exposure to underwriting and operational risks. It also posits that effective corporate governance moderates and strengthens the relationship between ERM and organizational sustainability ،The research adopts a descriptive-analytical methodology, combining theoretical review with an empirical survey conducted among professionals in the Saudi insurance sector. Expected results indicate statistically significant positive relationships between ERM implementation and financial sustainability, between ERM maturity and technical performance, with governance playing A reinforcing mediating role. This study contributes to the existing literature by addressing the research gap regarding the integrative relationship among ERM, governance, and sustainability within the Saudi insurance industry. It provides practical insights for policymakers and corporate leaders to embed risk culture into strategic and operational frameworks, ensuring balance between growth and long-term resilience.