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related topics |
{loss, insurance, financial} |
{capital, credit, financial} |
{stock, price, share} |
{stock, price, operating} |
{acquisition, growth, future} |
{condition, economic, financial} |
{regulation, change, law} |
{personnel, key, retain} |
{financial, litigation, operation} |
{provision, law, control} |
{operation, natural, condition} |
{cost, regulation, environmental} |
{product, liability, claim} |
{competitive, industry, competition} |
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A downgrade in our A.M. Best rating would likely reduce the amount of business we are able to write.
If we are unable to obtain reinsurance on favorable terms, our ability to write policies could be adversely affected.
If any of our current reinsurers were to terminate participation in our reinsurance treaty program, we could be exposed to an increased risk of loss.
A downgrade in the A.M. Best rating of one or more of our significant reinsurers could adversely affect our financial condition.
We may not be able to recover amounts due from our reinsurers, which would adversely affect our financial condition.
Negative developments in the workers compensation insurance industry could adversely affect our financial condition and results of operations.
A decline in the level of business activity of our policyholders, particularly those engaged in the construction, trucking and logging industries, could negatively affect our earnings and profitability.
If we do not appropriately establish our premium rates, our results of operations will be adversely affected.
Unfavorable changes in economic conditions affecting the states in which we operate could adversely affect our financial condition or results of operations.
If we cannot sustain our relationships with independent agencies, we may be unable to operate profitably.
Our revenues and results of operations may fluctuate as a result of factors beyond our control, which fluctuation may cause the price of our common stock to be volatile.
An inability to effectively manage the growth of our operations could make it difficult for us to compete and affect our ability to operate profitably.
Because we are subject to extensive state and federal regulation, legislative changes may negatively impact our business.
The effects of emerging claim and coverage issues on our business are uncertain.
Additional capital that we may require in the future may not be available to us or may be available to us only on unfavorable terms.
If we are unable to realize our investment objectives, our financial condition and results of operations may be adversely affected.
Our business is dependent on the efforts of our executive officers because of their industry expertise, knowledge of our markets and relationships with the independent agencies that sell our insurance.
AMERISAFE is an insurance holding company and does not have any direct operations.
Assessments and premium surcharges for state guaranty funds, second injury funds and other mandatory pooling arrangements may reduce our profitability.
Being a public company has increased our expenses and administrative workload.
We may have exposure to losses from terrorism for which we are required by law to provide coverage.
Risks Related to Our Common Stock
The trading price of our common stock may decline.
Securities analysts may discontinue coverage of our common stock or may issue negative reports, which may adversely affect the trading price of our common stock.
Future sales of our common stock may affect the trading price of our common stock and the future exercise of options or the exercise of the conversion rights of our convertible preferred stock may lower our stock price.
The terms of our convertible preferred stock could adversely affect the value of our common stock.
Provisions of our articles of incorporation and bylaws and under the laws of the states of Louisiana and Texas could impede an attempt to replace or remove our directors or otherwise effect a change of control of our company, which could diminish the value of our common stock.
Full 10-K form ▸
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1023031--3/15/2006--DIRECT_GENERAL_CORP |
1059262--3/9/2007--STANDARD_PARKING_CORP |
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1032033--2/29/2008--SLM_CORP |
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1129633--3/5/2009--PHOENIX_COMPANIES_INC/DE |
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837010--3/31/2009--ING_LIFE_INSURANCE_&_ANNUITY_CO |
1267201--3/16/2007--SEABRIGHT_INSURANCE_HOLDINGS_INC |
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1175029--3/30/2009--NORTH_STATE_BANCORP |
887149--3/26/2010--CROGHAN_BANCSHARES_INC |
354869--2/25/2010--FIRSTMERIT_CORP_/OH/ |
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