What to Expect in 2025 Rising personal home and auto insurance rates – driven by increased claims expenses, soaring property values and more frequent natural disasters – will continue to reshape the North American personal insurance market in 2025. With growing financial pressures on consumers and employees, obtaining tailored guidance from a neutral insurance broker can help. Forward-thinking companies can address this challenge by partnering with a digital insurance broker to embed comprehensive solutions directly into their customer and employee platforms. These partnerships provide stakeholders with unbiased advice and choice, streamlining the personal insurance buying process while cultivating resilience, enhancing profitability and driving sustainable growth for the organization. 45% Percentage of companies that plan to implement strategic partnerships as part of their growth strategy in the next 24 months. Source: HUB’s Outlook Executive Survey polled 900 C-Suite and VP-level executives on the issues facing them on profitability, employee vitality and organizational resilience. 2