The HUB 2026 Middle Market Profitability & Resiliency Report reveals that while 75% of companies now maintain formal enterprise risk management (ERM) programs—a 14 percentage point increase over the previous year—the internal maturity of these systems remains low. Only 37% of executives describe their risk approach as holistic, and just 17% report that risk accountability is shared across their entire workforce.

This lack of clarity is exacerbated by "risk fatigue," a phenomenon where constant exposure to high-stress threats diminishes corporate confidence. Executives are currently juggling a diverse array of pressures, with cybersecurity (45%), operational costs (43%), and AI adoption (38%) competing for top priority. Marc Cohen, CEO of HUB, noted that these defensive efforts have yet to translate into actionable business intelligence. With only 16% of organizations feeling fully confident in their current insurance posture, many remain hesitant to explore new coverage strategies, effectively stalling their ability to turn preparedness into a competitive advantage.