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| related topics |
| {loss, insurance, financial} |
| {stock, price, share} |
| {cost, regulation, environmental} |
| {capital, credit, financial} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {customer, product, revenue} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
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Exposure to catastrophe or severity losses in loss reserves
Decreases in rates or changes in terms for property and casualty insurance could reduce our net income.
If rating agencies downgrade their ratings of our insurance company subsidiaries, our future prospects for growth and profitability could be significantly and adversely affected.
Our reinsurers may not satisfy their obligations to us.
If we are unable to purchase reinsurance and transfer risk to reinsurers or if the cost of reinsurance increases, our net income could be reduced or we could incur a loss.
Our business is concentrated in ocean marine, excess and surplus lines property and excess and surplus lines casualty insurance, and if market conditions change adversely or we experience large losses in these lines, it could have a material adverse effect on our business.
If we are not successful in developing our new specialty lines, we could experience losses.
Our industry is highly competitive and we may not be able to compete successfully in the future.
We are dependent on our key personnel.
If Mariner terminates its relationship with us, our business could be adversely affected.
The value of our investment portfolio and the investment income we receive from that portfolio could decline as a result of market fluctuations and economic conditions.
Insurance laws and regulations restrict our ability to operate.
Failure to comply with insurance laws and regulations could have a material adverse effect on our business.
Our holding company structure could prevent us from paying dividends on our common stock.
Because of the concentration of the ownership of, and the thin trading in, our common stock, you may have difficulties in selling shares of our common stock.
Full 10-K form ▸
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