Top business risks globally 2026| ��ƽ��

Leading risks to businesses worldwide from 2018 to 2026

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Release date

January 2026

More information

Region

Worldwide

Survey time period

2018 to 2026

Number of respondents

3,338 respondents

Special properties

risk management experts from 106 countries and territories

Supplementary notes

Data compiled from multiple reports of the same source. Each survey was carried out in the fall of the previous year.
Up to three answers were possible.

Respondents included: Allianz customers (global businesses), brokers, industry trade organizations, risk consultants, underwriters, senior managers, and claims experts in the corporate insurance segment of both AGCS and other Allianz entities.

*Segmente previously phrased as "New technologies (e.g., risk impact of artificial intelligence, connected / autonomous vehicles, lithium-ion batteries, electric vehicles, Metaverse)"

** New segment

Citation formats

Cyber incidents were the leading risk to businesses globally for 2026, according to a survey carried out among risk management experts in late 2025. These cyber incidents refer to things such as cybercrime, IT failure or outages, data breaches, and fines and penalties. The global cyber insurance market is forecast to grow consistently in the coming years.

What is cybercrime?

Cybercrime refers to any criminal activities carried out through the use of a computer, a digital network, or the internet. As of December 2025, the biggest reported data leak to occur in the past few years was the so-called mother of all breaches in January 2024, which affected more than ** billion records. In 2020, the Global Cybersecurity Index (GCI) ranked the United States as the country with the highest commitment to cybersecurity.

Cyber attacks in the U.S.

Instances of cybercrime have been on the rise lately, with the annual number of data breaches in the U.S. reaching a total of over *in 2025. At the same time, about ****million individuals were seemingly affected by record exposure. The most common type of cyberattack experienced by businesses worldwide was malware.