Lean In. Seek Opportunity. Win Big. Table of Contents The risk landscape in 2025 will be increasingly volatile and complex. New risks are emerging faster than ever and organizations that are preparing now will be ready to embrace Executive Summary and Key Insights 4 the future and win big. Profitability: Both New and Familiar Risks 8 Now is the time to protect your organization and people. Threaten Company Profits Align your organizational goals to your risk, insurance and benefits strategies. Workforce Vitality: Human Resources Leaders Grapple with 16 Employee Productivity and Rising Costs Consider the partners you may need to engage to ensure you are taking the right steps to protect your profits, cultivate a vital Resiliency: Getting Ready for the Next Major Disruption 24 workforce and create a more resilient tomorrow. For additional insights, explore our industry and sector-specific Conclusion: Can Disruption Create New Opportunities? 28 U.S. and Canadian reports. 28 | HUB International 2025 North American Outlook Report