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| related topics |
| {regulation, change, law} |
| {acquisition, growth, future} |
| {financial, litigation, operation} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {operation, natural, condition} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {tax, income, asset} |
| {stock, price, operating} |
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Our business is highly competitive, which may make it difficult for us to market our core products effectively and profitably
Our business may be adversely affected by negative developments in the states in which we operate
Our business may be adversely affected by negative developments in the non-standard personal automobile insurance industry
Our ability to use net operating loss carryforwards to reduce future tax payments may be limited by applicable law
We may have difficulties in managing our expansion into new markets
We may not be successful in identifying acquisition candidates or integrating their operations, which could harm our financial results
New pricing, claim and coverage issues and class action litigation are continually emerging in the automobile insurance industry, and these new issues could adversely impact our revenues or our methods of doing business
Our insurance company subsidiaries are subject to statutory capital and surplus requirements and other standards, and their failure to meet these requirements or standards could subject them to regulatory actions
We rely on our information technology and communication systems, and the failure of these systems could materially adversely affect our business.
Due to our largely fixed cost structure, our profitability may decline if our sales volume were to decline significantly
Severe weather conditions and other catastrophes may result in an increase in the number and amount of claims filed against us
A few of our stockholders have significant control over us, and their interests may differ from yours
Our insurance company subsidiaries are subject to regulatory restrictions on paying dividends to us
We and our subsidiaries are subject to comprehensive regulation and supervision that may restrict our ability to earn profits.
Full 10-K form ▸
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