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| related topics |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {tax, income, asset} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {regulation, government, change} |
| {operation, natural, condition} |
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Significant competitive pressures may prevent our insurance operating units from retaining existing business or writing new business at adequate rates.
Our results may fluctuate as a result of many factors, including cyclical changes in the insurance industry.
Because our insurance operating units are property and casualty insurers, we face losses from natural and human-made catastrophes.
We cannot guarantee that the reinsurers used by our insurance operating units will pay in a timely fashion, if at all, and, as a result, we could experience losses even if reinsured.
If market conditions cause reinsurance to be more costly or unavailable, our insurance operating units may be required to bear increased risks or reduce the level of their underwriting commitments.
RSUI attempts to manage its exposure to catastrophe risk partially through the use of catastrophe modeling software. The failure of this software to accurately gauge the catastrophe-exposed risks RSUI writes could have a material adverse effect on our financial condition and results of operations.
Our insurance operating units are rated by A.M. Best and a decline in these ratings could affect the standing of our insurance operating units in the insurance industry and cause their premium volume and earnings to decrease.
The businesses of our insurance operating units are heavily regulated, and changes in regulation may reduce their profitability and limit their growth.
Risk Factors Relating to our Investments and Assets
A substantial amount of our assets is invested in debt securities and is subject to market fluctuations.
Defaults, downgrades or other events impairing the value of our debt securities portfolio may reduce our earnings.
We invest some of our assets in equity securities, which are subject to fluctuations in market value.
If our business does not perform well, we may be required to recognize an impairment of our goodwill or other long-lived assets or to establish a valuation allowance against the deferred income tax asset, which could adversely affect our results of operations or financial condition.
Full 10-K form ▸
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