SUCCESS STORY: Managing the Risk of International Expansion A technology company experiencing rapid expansion overseas suspected that its insurance program and regulatory compliance were not keeping pace with its current and planned growth. The company engaged with HUB which conducted a global optimization review that identified coverage redundancies and coverage gaps between the local and master global policies. As a result, the global program was redesigned, and local policies were adjusted, resulting in cost savings and enhanced compliance. HUB also improved global broker network communication and provided company executives a “Global Insurance 101” training with a contract review playbook, thereby giving them the information they needed to make informed decisions when managing their overseas operations. SUCCESS STORY: Taking Analytics Beyond Benchmarking A large construction company wanted to better understand how to structure its commercial insurance program. HUB reviewed the company financials and loss history and conducted a TM TM SCORE report, using stochastic modeling. The data and insights gained from the SCORE report, which is available on 13 lines of coverage, were specific to the client and their financial situation. As a result, the client was able to better understand its options regarding its current deductible retention and make informed decisions about its risk-bearing capacity at its next renewal. 13 | HUB International 2025 North American Outlook Report