Risk Monitor

Data-Driven Insights To Help Reduce Risk

Our 2025 Risk Monitor surveyed more than 400 U.S. business leaders to uncover their most pressing concerns impacting operations and future growth.

Anticipating the Risks of Tomorrow: Navigating a World of Change

In today's rapidly evolving world, businesses face a myriad of uncertainties. From geopolitics and world economics to cyber threats and AI advancements, the pace of change is accelerating. Companies must keep up with these emerging trends, while continually innovating to stay relevant in today’s marketplace.
 

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Our experienced professionals used the findings to deliver actionable insights to help businesses navigate these growing challenges while staying productive and protected.
 
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Top Challenges for Business Leaders

Key challenges for business leaders

Of the business leaders we surveyed:

 
72%
are very concerned about cybersecurity and cyberattacks on their businesses.
62%
cite supply chain disruption as a major risk concern.
61%
are very concerned with finding and retaining talent.
65%
cite cybersecurity procedures as a significant risk mitigation priority.
quote
“The potential for a single data breach to compromise private data and cause operational disruptions makes cybersecurity a serious concern.”
 
U.S Business Leader on Cybersecurity Risk
quote
“To protect themselves, businesses should be cyber risk aware. Training employees and implementing email security protocols can help prevent these types of attacks and reduce losses.”
 
Tony Dolce, The Hartford’s Head of Cyber
quote
“Market stability, profitability and corporate operations can all be impacted by global economic fluctuations, including inflation, recessions and trade policy changes.”
 
U.S Business Leader on Economic Trends
quote
“Risks and opportunities in 2025 will likely be driven by the changing world order, trade and demographics.”
 
Shailesh Kumar, Head of The Hartford’s Global Insights Center
quote
“The three things that worry me the most are workplace safety, compliance and the financial toll that accidents take on the company.”
 
U.S Business Leader on Employee Safety and Retention
quote
“Many industries use the internet of things (IoT) devices to improve efficiencies and safety. As more of these devices are incorporated into daily operations, companies could see a decrease in unplanned halts to production, which could lead to monetary losses.”
 
Dan Campany, The Hartford’s Head of Risk Control Services

Of the business leaders we surveyed:

 
45%
say workers’ compensation is one of their top insurance areas of focus.
49%
are working to develop or refine cybersecurity practices in the next year.
59%
are worried about potential business interruption risks.
57%
cite the potential for worker injury as a major risk.

What To Watch For: More Research and Insights

Server access being locked and secured

Cyber Threats Persist: Preparation Is Key

Cybersecurity threats, including data breaches, phishing scams and malware, are increasingly complex and frequent, with over 2,200 daily attacks globally. To safeguard against these evolving risks, businesses must implement robust strategies such as multifactor authentication, secure backups, prioritized patches and comprehensive incident response plans.
 

Explore How To Enhance Your Cybersecurity Today

Artificial intelligence generating content

The Promise of AI in Risk Management

Artificial intelligence (AI) presents both opportunities and challenges for businesses, with concerns about job displacement, data security and ethics. By embracing AI as a partner in managing risk and investing in risk management expertise, companies can harness its potential to boost productivity, create new industries and mitigate associated risks.
 

Learn About AI Solutions Today

Workers Compensation tools

Smarter Safety: Reducing Risk With AI and Connected Devices

As technology evolves, employees are exposed to new risks. Businesses can collaborate with experienced insurance partners who have in-depth knowledge of AI, IoT and other safety solutions. These partnerships can enhance operational efficiency, reduce loss expectancy and improve worker safety.
 

Learn How To Keep Your Employees Safe

Storms outside an office building

The Financial Impact of Extreme Weather on Property Risk

Extreme weather patterns are spreading across the globe, meaning business leaders need to continuously update risk strategies to keep employees, customers and their operations safe. Insurers specializing in climate science and data-driven sustainability practices will become essential partners for businesses across many industries.
 

Read About the Impacts of Extreme Weather on Business Strategies

A container ship rocking in the ocean

Reshoring: Assessing the Impact on Business Operations and Risk

When planning to reshore business operations, it’s crucial to understand the strategic factors involved and how partnering with the right insurance company can facilitate a smooth and secure transition.
 

Discover the Key Factors in a Reshoring Decision

Trade agreements and dollar signs

Tariffs: The Crossroads of Geopolitics and Economics

Tariffs, or taxes on goods imported into a nation, represent the intersection of geopolitics and economics. The use of tariffs in the West has expanded in recent years, largely due to an increasingly complex geopolitical environment. These tariffs will likely have significant economic consequences.
 

Discover How Tariffs Could Impact Your Business

Supporting Business Leaders in Risk Reduction

Managing risk is a critical aspect of running a successful midsize or large business. In today's rapidly changing environment, businesses face a variety of challenges. Our team of experienced professionals collaborates with you to develop tailored management strategies that address your specific needs.
 
As new risks emerge, we stay ahead of the curve by leveraging the latest technologies and industry best practices. Our solutions include advanced data analytics, artificial intelligence and IoT integrations, all designed to help you proactively manage and reduce risk. We're committed to protecting your business and ensuring its success in a dynamic market.
 

Comprehensive Tools and Insights for Risk Management

Explore our extensive library of business resources designed to help you stay informed and prepared. From detailed research reports to interactive tools, we provide the information you need to effectively manage risk.
 

Notable Insights From Our Past Research

 
1 Findings based on a February 2025 study conducted by The Hartford across business leaders in midsize to large businesses with revenue greater than $10 million.