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related topics |
{financial, litigation, operation} |
{condition, economic, financial} |
{loss, insurance, financial} |
{debt, indebtedness, cash} |
{regulation, government, change} |
{loan, real, estate} |
{stock, price, operating} |
{acquisition, growth, future} |
{system, service, information} |
{capital, credit, financial} |
{competitive, industry, competition} |
{personnel, key, retain} |
{tax, income, asset} |
{property, intellectual, protect} |
{operation, natural, condition} |
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Current economic conditions and disruptions in financial markets may materially and adversely affect our business, operations, capital and liquidity.
The performance of our portfolio of fixed-income securities may adversely affect our profitability, capitalization and financial performance.
We face intense competition from other personal automobile insurance providers.
Our failure to pay claims accurately could adversely affect our business, financial condition, results of operations and cash flows.
We rely on information technology and telecommunication systems, and the failure of these systems could materially and adversely affect our business.
Our profitability and financial condition are affected by the availability of reinsurance.
Our business is subject to financial and operational risks resulting from our growth.
A downgrade in our financial strength ratings may negatively affect our business.
Our success depends on our ability to underwrite risks accurately and to charge adequate rates to policyholders.
Insurance agents improper use of authority may materially affect our business.
We are subject to comprehensive laws and regulations, and our results may be unfavorably impacted by these laws and regulations or by changes in them.
Litigation may adversely affect our financial condition, results of operations and cash flows.
The nonstandard insurance business may become subject to adverse publicity, which may negatively impact our financial condition.
Our results of operations may be adversely affected by competitive, regulatory or economic conditions that influence the automobile insurance industry in general.
Catastrophic losses could have a material, adverse effect on our business.
Our claims and claim adjustment expense may exceed our claims and claim adjustment expense reserves, which could adversely affect our results of operations, financial condition and cash flows.
Our debt service obligations could impede our operations, flexibility and financial performance.
We are subject to restrictive debt covenants, which may restrict our operational flexibility.
We may need to raise additional capital.
A change in immigration policies could adversely affect our business.
The performance of our portfolio of fixed-income securities may adversely affect our profitability, capitalization and financial performance.
Failure to successfully resolve our remaining commercial lines claims could have an adverse affect on our results of operations.
Our success depends on retaining our current key personnel and attracting additional personnel.
We cannot be certain that the net operating loss tax carryforwards will continue to be available to offset our tax liability.
Our stock price may be volatile.
Certain of our executives and directors own a majority of our outstanding capital stock, and therefore exercise voting control over the Company.
Full 10-K form ▸
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