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| related topics |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {regulation, government, change} |
| {cost, regulation, environmental} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {product, liability, claim} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {investment, property, distribution} |
| {regulation, change, law} |
|
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Our financial results could be affected by the cyclical patterns of the soft and hard market in the property and casualty industry.
Because we concentrate all of our business in Michigan, its weather will affect our results.
Catastrophe and natural peril losses may hurt our financial condition.
If we underestimated the amount of our required loss reserves, our results may suffer.
We face strong competition from large companies, which may reduce our earnings and profits.
Our reliance on independent insurance agencies to sell our products as well as their ability to sell products of our competitors could adversely affect the sale of our products.
A downgrade in our A.M. Best rating could hurt our premium volume.
If we are unable to obtain adequate reinsurance coverage at reasonable rates in the future, we may be unable to manage our underwriting risks and operate our business profitably.
If our reinsurers do not fulfill their financial obligations to us it may jeopardize our earnings and financial condition.
If we do not have adequate reinsurance coverage, our earnings and financial condition would be in jeopardy.
Changes in prevailing interest rates may reduce our revenues, cash flows and shareholders equity.
We could be forced to sell investments to meet our liquidity requirements.
Declining debt and equity markets could adversely affect our investment portfolio.
The Sarbanes-Oxley Act of 2002 may have a material adverse effect on our business.
Regulatory changes could adversely affect our business.
Regulators may limit our use of credit-based insurance scoring, adversely affecting our ability to effectively price our products.
Assessments and other surcharges for guaranty funds, second-injury funds and other mandatory pooling arrangements may reduce our profitability.
Michigan s regulatory environment restricts our ability to exclude potentially unprofitable risks.
Inflation could increase the cost of claims resolutions and hurt our profitability.
Acts of terrorism may adversely impact our financial results.
Federal regulation of insurers may have a material effect on our operations.
The Gramm-Leach-Bliley Act of 1999 allows banks to affiliate with insurers, which may increase the number and financial strength of our competitors.
Full 10-K form ▸
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