Executive Summary and Key Insights Lean In. Seek Opportunity. Win Big. Optimize your Risk Management, Insurance and Benefits Strategies Today’s leaders face a business landscape that is more complex with risks that are highly interconnected. Alignment across the entire organization is key to preparing for and responding to economic, political, social and environmental challenges. A siloed approach to risk management leaves businesses vulnerable. The speed of change is dizzying, but those who embrace new approaches and solutions will improve their profitability, workplace vitality and resilience. 3 | HUB International 2025 North American Outlook Report