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Chairman and CEO Pat Gallagher

In today's unpredictable environment, business owners are working to protect and fortify their businesses to ensure they can withstand a variety of adverse threats. From extreme weather that produces damaging storms to uncertainty in supply chain health, taking precautions is more critical than ever.

For the third year, Gallagher has commissioned a survey of 1,000 US business owners to share insights into the challenges they're facing and their thoughts on risk mitigation strategies. We're excited to share the findings from the 2025 Gallagher Business Owners Survey and identify trends within the business landscape and opportunities for business owners

For many business owners (65%), worries about their businesses are more likely to keep them up at night than personal matters, such as family.

The survey responses show business owners have growing concerns in three key areas:

  • Supply chain: Business owners are taking a proactive approach to protect their businesses from costly interruptions. Learn more
  • Weather/climate: Climate change is directly impacting businesses around the globe. Learn more
  • Artificial intelligence/cyber: Evolving technologies are an increasing worry for business owners. Learn more

When asked about making a business-related insurance claim, 87% of respondents indicated they made an insurance claim for the business in 2024. Those claims included:

Of those who made a business claim on their insurance, 73% were $25,000 or more.

Of those who made a business claim on their insurance:

The business-related insurance policies business owners have and coverage they're like to expand:

And the reasons for considering expanding business-related insurance coverage include:

Business owners are more worried than ever about insurance not covering a specific event or loss.