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| related topics |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {customer, product, revenue} |
| {capital, credit, financial} |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {product, market, service} |
| {operation, natural, condition} |
| {condition, economic, financial} |
| {cost, operation, labor} |
| {system, service, information} |
|
|
The occurrence of certain catastrophic events could have a materially adverse effect on our systems and could impact our ability to conduct business effectively.
If we experience difficulties with outsourcing relationships, our ability to conduct our business might be negatively impacted.
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 and we may not be able to collect all amounts due to us from reinsurers from whom we have purchased coverage.
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.
Our businesses are heavily regulated, and changes in regulation may reduce our profitability and limit our growth.
We cannot predict the outcome of the investigations into business practices in the property and casualty insurance industry or related legal proceedings, including any potential amounts that we may be required to pay.
Intense competition for our products could harm our ability to maintain or increase our profitability and premium volume.
We are dependent on a distribution network comprised of independent insurance brokers and agents to distribute our products.
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.
Full 10-K form ▸
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