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| related topics |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {personnel, key, retain} |
| {tax, income, asset} |
| {operation, international, foreign} |
| {acquisition, growth, future} |
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Volatility or declines in premiums or other adverse trends in the insurance industry may seriously undermine Gallagher s profitability.
Gallagher s results may be adversely affected if it is unable to successfully implement a new business compensation model.
Gallagher is subject to a number of investigations and legal proceedings concerning contingent compensation, other industry practices and certain conduct, which, if determined unfavorably to Gallagher, could adversely affect its financial strength and results of operations.
Gallagher faces significant competitive pressures in each of its businesses.
Gallagher faces a variety of risks from its Gallagher Bassett Services operations which are distinct from those it faces in its brokerage operations.
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 historically has 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. The disallowance or termination of Section 29 tax credits, or the loss of all or part of its Section 29 tax credits due to phase out of such credits, would decrease Gallagher s revenues, increase its costs, increase its effective tax rate and decrease its income.
Full 10-K form ▸
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