From cyberattacks and climate events to workforce shifts and AI disruption, in 2025, business leaders face a fast-changing landscape of risks. Business insurance is evolving to meet these new challenges, but rising premiums and more complex underwriting mean companies must be more proactive than ever. Experts say understanding this changing risk environment, adapting to digital-first tools, and avoiding common coverage mistakes are key to protecting your bottom line.

“There’s a lot going on in the world,” says James Jorgensen, principal and executive vice president of business insurance at Marsh McLennan Agency in Arizona . “And I think a lot of business leaders are wondering how they can continue to invest and grow their business and take care of their colleagues and employees. Insuran

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