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related topics |
{operation, natural, condition} |
{loss, insurance, financial} |
{stock, price, operating} |
{product, market, service} |
{loan, real, estate} |
{control, financial, internal} |
{regulation, government, change} |
{stock, price, share} |
{regulation, change, law} |
{provision, law, control} |
{financial, litigation, operation} |
{capital, credit, financial} |
{condition, economic, financial} |
{debt, indebtedness, cash} |
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Risks relating to our business
Catastrophe losses are unpredictable and may adversely affect our results of operations, liquidity
United Fire Casualty Company and Subsidiaries
Because catastrophe models may not accurately predict future losses, we may inaccurately assess our exposure for future losses.
Our success depends on our ability to price accurately the risks we underwrite.
Our reserves for property and casualty losses and costs related to settlement of property and casualty losses and our life reserves may be inadequate, which would have an unfavorable impact on our financial results.
United Fire Casualty Company and Subsidiaries
If market conditions cause reinsurance to be more costly or unavailable, we may be required to bear increased risks or reduce the level of our underwriting commitments.
Reinsurance subjects us to the credit risk of our reinsurers.
United Fire Casualty Company and Subsidiaries
Our geographic concentration in both our property and casualty insurance and life insurance segments ties our performance to the business, economic and regulatory conditions of certain states.
A reduction in our financial strength ratings could adversely affect our business and financial condition.
If we cannot adequately meet our independent agents needs or keep pace with our competitors future technological advances, we may lose business.
United Fire Casualty Company and Subsidiaries
We are subject to interest rate fluctuations and declines in the value of investments held in our investment portfolio due to various market factors, including declines in credit quality related to investments held in our investment portfolio, which could negatively affect our profitability.
United Fire Casualty Company and Subsidiaries
Many factors, including the cyclical nature of our business, affect our financial performance and may affect the price of our common stock.
We face significant competitive pressures in our business that could cause demand for our products to fall and reduce our revenue and profitability.
Regulations limiting rate increases and requiring us to underwrite business and participate in loss sharing arrangements may decrease our profitability.
United Fire Casualty Company and Subsidiaries
We are subject to comprehensive laws and regulations that pose particular risks to our ability to earn profits.
United Fire Casualty Company and Subsidiaries
We are subject to assessments from state insurance facilities.
We are subject to other state laws and regulations that impose additional administrative burdens and risks that may also affect our ability to earn profits.
United Fire Casualty Company and Subsidiaries
The outcome of current class actions, industry investigations and regulatory proposals could adversely affect our financial condition and results of operations.
Changes in tax laws may decrease sales and profitability of our products.
Risks relating to our common stock
As an insurance company, our ability to pay dividends is restricted by state law.
The price of our common stock may be volatile.
United Fire Casualty Company and Subsidiaries
Certain provisions of our organizational documents, as well as applicable insurance laws, could impede an attempt to replace or remove our management, prevent the sale of our company or prevent or frustrate any attempt by stockholders to change the direction of our company, each of which could diminish the value of our common stock.
United Fire Casualty Company and Subsidiaries
Our largest stockholder may take actions conflicting with other stockholders interests.
Full 10-K form ▸
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