Technology Wave Can Raise All Boats We are entering what some call a technology “super cycle” that will be powered by AI, wearable 11 devices and biotechnology. This technology wave, specifically AI, digitization, data quantification and data aggregation will drive sharper risk identification and quantification—and ultimately better decision-making, assuming the gaps in data integrity can be closed. In the HUB survey, most respondents indicated they are leveraging technology and services “to a moderate extent” for the purpose of managing and mitigating risks. The healthcare industry leads in adopting technology for risk mitigation, with the highest percentage (14%) among all sectors, reporting that nearly all their risk management efforts are technology-based. Q To what extent has your company leveraged technologies and services (i.e., AI-enabled contract review, insurance and advisory services) to manage and mitigate risks? N=910 HUB International 2025 North American Outlook Report | 25