20171--2/26/2010--CHUBB

related topics

{loss, insurance, financial}

{condition, economic, financial}

{debt, indebtedness, cash}

{capital, credit, financial}

{customer, product, revenue}

{regulation, government, change}

{operation, natural, condition}

{regulation, change, law}

{product, market, service}

{operation, international, foreign}

{loan, real, estate}

{cost, operation, labor}

{system, service, information}

We cannot predict the impact that changing climate conditions, including legal, regulatory and social responses thereto, may have on our business. We may experience reduced returns or losses on our investments especially during periods of heightened volatility, which could have a material adverse effect on our results of operations or financial condition. We are exposed to credit risk in our business operations and in our investment portfolio. The failure of the risk mitigation strategies we utilize could have a material adverse effect on our financial condition or results of operations. Reinsurance coverage may not be available to us in the future at commercially reasonable rates or at all. Cyclicality of the property and casualty insurance industry may cause fluctuations in our results. Payment of obligations under surety bonds could adversely affect our future operating results. A downgrade in our credit ratings and financial strength ratings could adversely impact the competitive positions of our operating businesses. The inability of our insurance subsidiaries to pay dividends in sufficient amounts would harm our ability to meet our obligations and to pay future dividends. Our businesses are heavily regulated, and changes in regulation may reduce our profitability and limit our growth. Intense competition for our products could harm our ability to maintain or increase our profitability and premium volume. We are subject to a number of risks associated with our business outside the United States. We are dependent on a distribution network comprised of independent insurance brokers and agents to distribute our products. If we experience difficulties with outsourcing relationships, our ability to conduct our business might be negatively impacted. The occurrence of certain catastrophic events could have a materially adverse effect on our systems and could impact our ability to conduct business effectively.

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20171--2/26/2010--CHUBB_CORP