While respondents report a high level of preparedness to manage the impact of increased expenditures and business disruption on profitability, they concede that they are less prepared to handle climate change and cyber risks. Canadian survey respondents expressed greater confidence in their preparedness to tackle key risks to profitability compared to their U.S. counterparts but rated themselves as less prepared to respond to climate change, AI adoption and regulatory changes. Q Of the profitability-related risks you selected, which risks is your company prepared to address today? N=910 Readiness to Tackle Risks and Mitigate Impact on Profitability 61% 50% 41% 44% 53% 37% 60% 31% 38% 80 90 100 HUB International 2025 North American Outlook Report | 8