1127703--2/25/2009--PROASSURANCE_CORP

related topics

{personnel, key, retain}

{loan, real, estate}

{loss, insurance, financial}

{debt, indebtedness, cash}

{competitive, industry, competition}

We operate in a highly competitive environment. Our investments are subject to credit and prepayment risk. We are a holding company and are dependent on dividends and other payments from our operating subsidiaries, which are subject to dividend restrictions. Our business could be adversely affected by the loss of independent agents. Our business could be adversely affected by the loss of one or more key employees. In a period of market illiquidity and instability, the fair values of our investments are more difficult to assess and our assessments may prove to be greater or less than amounts received in actual transactions.

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