US businesses move toward proactive risk but coverage gaps persist — Gallagher

According to Gallagher's fourth annual Business Owners Survey, US businesses are increasingly integrating risk management into operations and growth strategies, yet 94% of owners remain concerned that their insurance will not cover key losses. This issue is compounded by findings that 77% of small businesses are underinsured relative to recent revenue growth. Furthermore, new standard insurance exclusions for generative artificial intelligence, effective January 2026, are creating significant liability gaps for companies adopting AI technologies.