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| related topics |
| {loss, insurance, financial} |
| {stock, price, operating} |
| {stock, price, share} |
| {cost, regulation, environmental} |
| {loan, real, estate} |
| {provision, law, control} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {customer, product, revenue} |
| {regulation, change, law} |
| {investment, property, distribution} |
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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, casualty and professional liability, and excess workers compensation lines of 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.
Our deferred tax asset may required additional valuation allowance.
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 involves significant risks.
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.
Trading in our common stock has the potential to be volatile.
Because part of our outstanding stock is subject to a voting agreement, our other shareholders have limited ability to impact voting decisions.
The voting agreement and the concentration of our stock ownership in the hands of a few shareholders could impede a change of control and could make it more difficult to effect a change in our management.
Full 10-K form ▸
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