1195933--3/9/2006--INFINITY_PROPERTY_&_CASUALTY

related topics

{customer, product, revenue}

{personnel, key, retain}

{loan, real, estate}

{loss, insurance, financial}

{condition, economic, financial}

{financial, litigation, operation}

{system, service, information}

Because of the significant concentration of Infinity s business in California, Infinity s profitability may be adversely affected by negative developments in the California insurance market. Cyclical conditions in the personal automobile insurance industry, particularly in the market for nonstandard insurance, could reduce Infinity s profitability Profitability may be affected if Infinity fails to accurately price the risks it underwrites. Extra-contractual liability arising from bad faith claims could result in losses that are material to Infinity s results of operations. The failure to maintain and further develop reliable and efficient information and technology systems would be disruptive to Infinity s operations and diminish its ability to compete successfully. Legal, regulatory and legislative challenges to established practices in the areas of underwriting, claims handling and compensation issues are continually emerging and could adversely impact Infinity s revenues or established methods of doing business. The inability to recruit, develop and retain key personnel could prevent Infinity from implementing its business strategy and negatively affect future growth and profitability. Infinity may not be able to attract and retain independent agent and brokers, which could negatively affect revenues. Infinity is vulnerable to a reduction in the amount of business written by independent agents. INFINITY PROPERTY AND CASUALTY CORPORATION 10-K

Full 10-K form ▸

1195933--3/9/2006--INFINITY_PROPERTY_&_CASUALTY_CORP