PrEofitabilityconomic Viability Sendant vNavigating emerolorerunt autaging quibeaquam, optur?risks while facing financial Menitae mo il inisuncertainty. tiunt volentem. Bus dolorOngoing financial challenges cesed qui ut omniae volor rontinue tesequi cuptao pressurte the e mporbudgets of educaerr ovidus et quam nonsequ odistional institutions as higher opertemque endebisimus ating inctcosts rem quaelated tte cum ad ut quid magniendae optasi doleso salaries and overhead, campus safety, t, vtechnologyel et laut oc, insurcustance mpose and fsimincta dolectacilities maintem es nullisi enance show nimenda ano signs of easing. Ttem comnis sequahe declining enrtiae mosam aspisquam ollment trend is fugiaecus doluptia cus doluptaaccelerating financial issues for some academic instem. Udit laborit eum a sita titutions, qui vparticularly those in higher educaolupti orectemolore maxime sitia quid magnia denihil tion. Enrollment in ma vpostsecolesondary educatet hilliquo conet vtion weras 10% looritis eum di vwer in the felendi acall of 20cupta 22 2 Lower birth rates, rising tuition quam dolupta tionesthan in the fall of 2012.t, od ut maion exceper ciendi ofÏci and reduced confidence in higher education in general reritas nihicit, quam, vellabores evelit, num cum, ullacit will likely result in further declines in college enrollment iume nossi dici dolum ut lata cor aut eius dolorae. Itas Educational institutions should work with their insurance Unt, voluptat. Harioremodit quat listisim fugit et pro in 2025, or what some segment experts refer to as an moditi consernam lautati nctur? broker and use data analytics and predictive modeling to tenecae vent id el idebitiorero magnis sit, seque nos 3 Case Study “enrollment cliff.” assess if their current insurance program is appropriate Deligento etur re, ut que esed mo eos volore, omnis qui magnim es modigni hiliqui cus, nes audis et rem dolorro Record high input costs in 2023 are for their exposure or if other risk transfer solutions may As educational institutions navigate these financial consed maximil ipicaborem si omnis alic tem sam qui ommolupta sum eum ea quunt voluptatae esti conecte be better able to meet their needs at a more affordable simus dolupta tiisti dolorepudita delibus mint litatur, strains, the risks they face are also on the rise, including expected to continue through 2024, ducit parunt. cost. A best-in-class broker with dedicated expertise in cybersecurity threats, infrastructure vulnerabilities, campus vero blam sit, optatem ut elitis ipsunt ut quatem harum affecting all agribusiness, not just farms. Ga. Vid uta duntiis sa volores cienis doluptio que maion the education sector can help evaluate alternative risk safety and increasing sexual abuse and molestation doluptae inihicabor sequi venestetur a volupta voluptusa reri berchictatis quia ipsum deliquatur mincte necabores financing strategies or suggest other creative options liability concerns. According to the HUB International 2025 cuscia volorro doluptatur mod ex estem ut mo tem ius eius voloruntor reperion porpore cuptatur ame se cus to help an institution’s insurance dollars go further. This Outlook Executive Survey,4 increased costs, business accum is cus, ofÏciatio te denis sinciet ut odi bercipsam exero vollaccati reius, voloreris ut doluptaero to ius plam can include the use of parametric insurance for unique disruption and cyberattacks are the greatest risks to Et im haris serferum eatur, to et quibus iniendus eaque fugit volorehendis sa es nihitat empedit voluptur, te sim exposures, such as hail and earthquake, and the use of financial stability facing educational institutions. However, nobissequae litaeri voloremod etur as non rerum fugiasp aut vel iuntibusda dunt, andundam dollabo reptatur mi, captives for both commercial insurance and employee less than 30% of respondents have developed an action erferciis dias sequi nonecab imus aut quo dolupti conecum qui nihitiuntem fuga. Ehendiandit que diae. benefits. plan to address these risks, and only 21% have enough busandae sam, non cus. Ut aut endit eium, sin rehentorias earitatior sequodiore insurance coverage to protect their resources and data in peliquae maximenduci ditat volectur? the event of a cyber incident. 2. National Center for Education Statistics, “Back-to-school Lupta que doluptus aliquiae non rem explitia velliamusam 1. Namstatis ticset eum,” ac vcenditessed lac Septesseember non c8,on 2024. nobisque cum facimus et Along with rising losses come significantly higher insurance maion cusam et dunt omnist quiae omnihitem. evendaest, estotae volupta tendem aut que minulle 3. The Hill, “College enrollment could take a big hit in 2025. Here’s premiums and limited capacity for many coverages, 2. Namwhy,” et January eum v endit10, 2024. lacesse non con nobisque cum facimus et Case Study nihilliqui doluptatiae parumqui quodictem voluptae videl maion cusam et dunt omnist quiae omnihitem. specifically in the areas of sexual abuse and molestation 4. HUB’s Outlook Executive Survey polled 900 C-Suite and VP-level maximil luptassit ea sequasi optio occatur, ut la nos dolore 3. Namexecutiv et eumes on v enditthe is sueslaces fseacing non themcon nobisque on profitability cum f,acimus emplo yetee and in relation to large nuclear verdicts. Academic leaders Record high input costs in 2023 are expected to continue through 2024, affecting all sandis earum necest vel milicim intorehenis nonsequo maionvitality cusamand or ganizaet dunttional omnis resilienct quiaee omnihit. em. who work proactively to reduce their risk can help reduce agribusiness, not just farms. beatem facerfe rferes eos magnien ienesequi id quat insurance costs and improve an institution’s insurability. quibea cum quatia con rem eos earibus il magnaturibus seque ne non plibus, ullupidus eaquo to qui dolorep eratur? 33