1065201--3/31/2009--AMERINST_INSURANCE_GROUP

related topics

{loss, insurance, financial}

{regulation, change, law}

{capital, credit, financial}

{interest, director, officer}

{competitive, industry, competition}

{condition, economic, financial}

{stock, price, share}

{system, service, information}

Because CNA, our primary insurer has given us notice that it will not renew our reinsurance agreement with them after 2009, if we are unable to create and successfully implement a new business plan, our ability to generate revenue will be materially adversely affected. We participate in a potentially unprofitable, unstable market. Our investment return may not be sufficient to offset underwriting losses. We are dependent upon parties unrelated to us. Your ownership of our shares does not guarantee insurance coverage. There is no market for our shares, which may be subject to restrictions on transfer. Reinsurance may not be available to us. Difficult conditions in the economy generally may materially adversely affect our business and results of operations, and these conditions may not improve in the near future. We may be impacted by claims relating to the current financial market turmoil Actual claims may exceed our reserves for losses and loss expenses. Government authorities are continuing to investigate the insurance industry, which may adversely affect our business. Legislative and regulatory requirements could have a material adverse effect on our business. Our Bermuda entities could become subject to regulation or taxation in the United States. As a shareholder of our company, you may have greater difficulties in protecting your interests than as a shareholder of a U.S. corporation.

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1065201--3/31/2009--AMERINST_INSURANCE_GROUP_LTD