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| related topics |
| {loss, insurance, financial} |
| {financial, litigation, operation} |
| {capital, credit, financial} |
| {product, liability, claim} |
| {cost, regulation, environmental} |
| {condition, economic, financial} |
| {operation, natural, condition} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {provision, law, control} |
| {regulation, change, law} |
| {acquisition, growth, future} |
| {customer, product, revenue} |
|
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The continuing volatility in the financial markets and the current recession could have a material adverse effect on our results of operations and financial condition.
Our loss reserves are based on estimates and may be inadequate to cover our losses.
If we are unable to obtain or collect on ceded reinsurance, our ability to write new policies, as well as our financial condition, could be materially adversely affected.
Acts of terrorism could negatively impact our business and our financial condition.
The insurance business is subject to extensive regulation and legislative changes, which impact the manner in which we operate our business.
A downgrade in the financial strength rating of our insurance subsidiaries could reduce the amount of business we are able to write.
Intense competition could adversely affect our ability to sell policies at premium rates we deem adequate.
If we are unable to realize our investment objectives, our financial condition may be adversely affected.
Our geographic concentration ties our performance to the business, economic, natural perils and regulatory conditions in California and Florida.
We rely on independent insurance agents.
Assessments and other surcharges for guaranty funds and second injury funds and other mandatory pooling arrangements may reduce our profitability.
Our ability to write business, service our customers and meet certain regulatory requirements could be adversely affected if our information systems are rendered inoperable.
Litigation may have an adverse effect on our business.
Our status as an insurance holding company with no direct operations could adversely affect our ability to meet our debt obligations and pay dividends.
State insurance laws may discourage takeover attempts that could be beneficial to us and our stockholders.
Full 10-K form ▸
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