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From Reactive to Ready: How Risk Management Maturity Leads to Resilience and Profitability

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From Reactive to Ready

In today’s volatile environment, risk management is more than protection—it’s a strategic advantage. That’s why this year’s HUB 2026 Outlook introduces the Risk Management Maturity Model, a practical framework to help organizations assess how risk-mature they are and identify the steps needed to strengthen resilience, protect profitability and sustain workforce vitality. Each year, HUB International’s North American Report draws on proprietary research across ten industries, capturing insights from senior decision-makers around the top risks shaping business resilience and performance. The 2026 findings reveal a trend: while organizations are becoming more risk-aware, most aren’t advancing fast enough to keep pace with the complexity, severity and speed of modern threats. The new Risk Management Maturity Model helps leaders benchmark where they stand today — whether they’re building a stronger foundation or advancing an existing strategy — to accelerate progress along the risk maturity curve. By advancing risk management maturity, organizations can turn challenges into strategic advantage, move from reactive to ready and thrive in an environment defined by constant change. Explore the findings and move from managing risk to mastering readiness in 2026.

Improving Organizational Resilience

Strengthening Resilience Against Macro Pressures

Strategically Addressing Cost Pressures

Increasing Risk Management Maturity and Confidence

Improving Organizational Resilience

Only 5% of North American organizations demonstrate advanced risk maturity, fully integrating risk management across their businesses. This gap leaves many exposed to evolving threats, particularly in cybersecurity and technology, which 60% of leaders ranked among the top three risks to profitability. Many organizations lack the structures and expertise to turn awareness into action, with only 15% reporting shared accountability for managing risk across teams. True risk maturity aligns with organizational strategy through strong processes, actionable data and a proactive, risk-aware culture with defined ownership at all levels, routine risk

As change accelerates, advancing risk readiness will strengthen organizational agility and performance.

assessments, integrated incident and continuity plans as well as monitoring to track emerging threats.

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Macro-economic risks are imposing new threats on organizations, yet nearly half of leaders lack formal business continuity plans, leaving them vulnerable to prolonged downtime. Geopolitical and regulatory pressures continue to test confidence as many businesses struggle to navigate global instability and policy shifts. Meanwhile, environmental and climate-related risks are also rising, but just one in five leaders feel well prepared to manage them.

Rising macro-economic pressures call on leaders to fortify resilience and convert risks into strategic advantage.

Strengthening Resilience Against Macro Pressures

Download our 2026 INSERT Outlook and Insurance Market Rate Report to see what to expect in the coming year.

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Rising operating and labor costs are the top threat to profitability in 2026, with nine in ten leaders expecting pressures to erode margins. Volatility in wages, tariffs, supply fluctuations and secondary supply chain disruptions can create hidden exposures that traditional metrics may miss. Many leaders are exploring alternative risk transfer solutions such as captive insurance and parametric strategies to tailor coverage and maintain financial control.

Hidden vulnerabilities in coverage and operations are eroding margins, making it critical for companies to identify gaps and rethink protection.

Strategically Addressing Cost Pressures

Coordinated risk reviews help organizations stay ahead of emerging threats and maximize impact, yet only 44% of organizations meet with their insurance broker semi-annually or annually, leaving gaps as exposures shift. Leaders that engage in monthly or quarterly conversations are far more likely to update insurance and risk programs quickly, with 72 percent making changes within the past three months.

As the risk maturity curve steepens, holistic and proactive risk management positions organizations to lead.

Increasing Risk Management Maturity and Confidence

Gain insights into the key industry trends of 2026 and confidently position your business for future success.

Find the Industry Outlook that's right for you.

As change accelerates, advancing risk readiness will strengthen organizational agility and performance.

Rising macro-economic pressures call on leaders to fortify resilience and convert risks into strategic advantage.

Hidden vulnerabilities in coverage and operations are eroding margins, making it critical for companies to identify gaps and rethink protection.

As the risk maturity curve steepens, holistic and proactive risk management positions organizations to lead.

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Macro-economic risks are imposing new threats on organizations, yet nearly half of leaders lack formal business continuity plans, leaving them vulnerable to prolonged downtime.

Rising operating and labor costs are the top threat to profitability in 2026, with nine in ten leaders expecting pressures to erode margins.

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Executive Summary

Discover how risk maturity builds resilience, protects profits, and helps businesses thrive in 2026.

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Only 5% of North American organizations demonstrate advanced risk maturity, fully integrating risk management across their businesses.

Explore how your organization can advance accountability, clarify ownership and build a culture where employees anticipate risk, as well as contribute to sustained resilience in the HUB International 2026 North American Report.

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As change accelerates, advancing risk readiness will strengthen organizational agility and performance.

Improving Organizational Resilience

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Today’s rapidly changing environment leaves no room for gaps in risk management. Learn how to address these new challenges and reshape resilience through enterprise risk management in the HUB International 2026 North American Report.

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Find out how your organization can strengthen financial resilience, fill gaps left behind by traditional insurance coverage and stay ahead of what’s next in the HUB International 2026 North American Report.

44%

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As risks evolve faster than ever, leaders must venture beyond reactive management. Building confidence requires a more connected, forward-looking approach that aligns strategy, people and protection. Discover how to move from managing risk to mastering readiness in the HUB International 2026 North American Report.

Agribusiness

Construction

Education

Employee Benefits & Retirement

Entertainment & Sports

Personal Insurance Marketplace

Nonprofit

Hospitality

Healthcare

Financial Institutions

Transportation

Real Estate

Private Client

HUB International annually surveys business leaders, high-net-worth individuals and their advisors from across North America’s leading industries. These respondents represent the voices shaping corporate leadership, risk management and human resources in public, private, and nonprofit organizations. The HUB 2026 Outlook brings these perspectives together in a comprehensive North American Report and 13 focused industry and product reports.

About the HUB 2026 North American Report

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When you partner with HUB, you are at the center of a vast network of experts who will help you improve your profitability, enhance the vitality of your workforce and remain resilient into the future. For more information on how to manage your insurance costs, reduce your risk and take care of your employees, talk to a HUB advisor or visit hubinternational.com. We are here to help.

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Advancing Organizational Risk Maturity: Insights from the HUB International 2026 Outlook

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