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| related topics |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {control, financial, internal} |
| {operation, natural, condition} |
| {personnel, key, retain} |
| {investment, property, distribution} |
| {customer, product, revenue} |
| {system, service, information} |
| {cost, contract, operation} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
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Our success depends on our ability to price accurately the risks we underwrite.
Our results may fluctuate as a result of cyclical changes in the property/casualty insurance industry.
Estimating reserves is inherently uncertain. If our loss reserves are not adequate, it will have an unfavorable impact on our results.
Our failure to maintain favorable financial strength ratings could negatively impact our ability to compete successfully.
The loss of key executives could disrupt our business.
Our industry is very competitive, which may unfavorably impact our results of operations.
Our results may be unfavorably impacted if we are unable to obtain adequate reinsurance.
If the companies that provide our reinsurance do not pay our claims in a timely manner, we could incur severe losses.
Catastrophic losses are unpredictable and may adversely affect our results of operations, liquidity and financial condition.
Catastrophe models may not accurately predict future losses.
We are subject to comprehensive regulation, and our results may be unfavorably impacted by these regulations.
State statutes limit the aggregate amount of dividends that our subsidiaries may pay Hallmark, thereby limiting its funds to pay expenses and dividends.
Our insurance company subsidiaries are subject to minimum capital and surplus requirements. Failure to meet these requirements could subject us to regulatory action.
We are subject to assessments and other surcharges from state guaranty funds, mandatory reinsurance arrangements and state insurance facilities, which may reduce our profitability.
Adverse securities market conditions can have a significant and negative impact on our investment portfolio.
We rely on independent agents and specialty brokers to market our products and their failure to do so would have a material adverse effect on our results of operations.
We may experience difficulty in integrating future acquisitions into our operations.
Our geographic concentration ties our performance to the business, economic and regulatory conditions of certain states.
The exclusions and limitations in our policies may not be enforceable.
We rely on our information technology and telecommunications systems and the failure or disruption of these systems could disrupt our operations and adversely affect our results of operations.
Full 10-K form ▸
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