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| related topics |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {tax, income, asset} |
| {operation, international, foreign} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {debt, indebtedness, cash} |
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Volatility or declines in premiums or other adverse trends in the insurance industry may seriously undermine Gallagher s profitability.
Government sponsored insurance programs may seriously undermine Gallagher s profitability.
Gallagher s results may be adversely affected relative to its competitors that can accept contingent commissions.
Gallagher is subject to a number of investigations and legal proceedings concerning contingent broker compensation practices. Further proceedings could adversely affect Gallagher s financial strength and results of operations.
Gallagher faces significant competitive pressures in each of its businesses.
Gallagher faces a variety of risks in its Risk Management operations that are distinct from those it faces in its Brokerage operations.
The agreements and instruments governing our debt contain restrictions and limitations that could significantly impact our ability to operate our business.
Gallagher s business, results of operations, financial condition or liquidity may be materially adversely affected by errors and omissions and the outcome of certain actual and potential claims, lawsuits and proceedings.
Gallagher has historically engaged in a large number of acquisitions of insurance brokers and agencies. Gallagher may not be able to continue to implement such an acquisition strategy in the future and there are risks associated with such acquisitions.
Gallagher is subject to insurance industry regulation worldwide. If Gallagher fails to comply with regulatory requirements or if regulations change in a way that adversely affects Gallagher s operations, Gallagher may not be able to conduct its business or may be less profitable.
Gallagher s future success depends, in part, on its ability to attract and retain experienced and qualified personnel.
Gallagher has significant non-U.S. operations which expose it to certain additional risks, including the risk of exchange rate fluctuations and geopolitical risk.
Gallagher is exposed to various risks relating to losses on investments held by its Financial Services business.
Gallagher has historically benefited from Section 29 tax credits and that law expired on December 31, 2007. The disallowance of IRC Section 29 tax credits would likely cause a material loss.
Full 10-K form ▸
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