Middle Market

Middle Market Risk Radar 2026

Growth creates opportunity. It also creates new risks.

Middle market businesses in UK and Ireland are pursuing ambitious growth plans. They're investing in AI, launching new products and services, expanding into new markets and growing their workforces. But as businesses evolve, so do the risks they face.

Chubb’s 2026 Middle Market Risk Radar explores how business leaders are balancing growth ambitions with an increasingly complex risk landscape and provides valuable insight into the challenges, concerns and preparedness levels shaping today's middle market.

Key highlights

The 2026 Middle Market Risk Radar reveals:

  • Almost all businesses plan to add new products or services over the next 12 months

  • Cybersecurity is the number one business concern, ahead of economic uncertainty, talent acquisition and retention and operational risk.

  • Nine in ten businesses have experienced at least one disruptive event in the past three years, spanning business disruption, cyber incidents and climate-related impacts.

  • AI adoption is accelerating, but businesses remain concerned about the risks it creates.

  • Climate-related risks are affecting businesses in ways that extend far beyond physical damage.

  • International growth presents new opportunities but also exposes potential gaps in resilience and protection.
2026 Middle Market Risk Radar

Read the Middle Market Risk Radar here.

Discover what these findings mean for growing businesses and the actions organisations are taking to prepare for what's next.

What is the Middle Market Risk Radar?

Chubb's research study examines the priorities, risks and resilience strategies of middle market businesses across the UK and Ireland.

From cyber threats and AI-related risks to climate impacts and international expansion, the report highlights where business leaders are focusing their attention and where opportunities exist to strengthen resilience.

Insurance for the whatever next

Middle market businesses need an insurer who has flexibility, reliability, and expertise -who understands risks and delivers precise coverage.

Our industry-specific customisable, scalable package solutions cover every stage of the business life cycle and our regional underwriters connect different types of cover and services together so that our insurance adapts to your client’s business. 

Insights and expertise

We keep you informed — and your business protected — with these helpful articles.

2026 EMEA Cyber Claims Report: Cyber risk, trends and resources

Artificial Intelligence (AI) is no longer a future risk - it is embedded across all business processes, reshaping how losses occur and how insurance responds. Rather than creating entirely new categories of claims, AI acts as a multiplier across existing perils including Cyber, Crime, D&O and Liability.

Managing the velocity of risk: Artificial intelligence, Litigation and Resilience

This edition of the Chubb Cyber Claims report explores Chubb’s historical claims data through December 2025 to reveal insights on claim frequency and severity trends – and factors fuelling these trends – to help businesses navigate a complex cyber risk environment and build financial and operational resilience.
water damage

What businesses should know about water damage

Whether it’s from a leaky boiler or a flood, your office is more likely to have water damage than damage from a fire.
dominoes

Don’t play cyber risk "dominos" with your business

Cybersecurity risks are critically challenging for businesses, with the potential to cause severe business disruption and financial impact.

Have a question?

Talk to one of our experts