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| related topics |
| {financial, litigation, operation} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {product, liability, claim} |
| {cost, regulation, environmental} |
| {regulation, government, change} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {product, market, service} |
| {customer, product, revenue} |
| {loan, real, estate} |
|
|
Catastrophe losses could materially reduce our profitability and adversely impact our ratings, our ability to raise capital and the availability and cost of reinsurance.
If actual claims exceed our loss reserves, or if changes in the estimated level of loss reserves are necessary, our financial results could be significantly and adversely affected.
Our business could be harmed because of our potential exposure to asbestos and environmental claims and related litigation.
We are exposed to, and may face adverse developments involving, mass tort claims such as those relating to exposure to potentially harmful products or substances.
The effects of emerging claim and coverage issues on our business are uncertain.
Reinsurance may not protect us against losses.
The insurance industry is the subject of a number of investigations by state and federal authorities in the United States. We cannot predict the outcome of these investigations or the impact on our business or financial results.
Our businesses are heavily regulated and changes in regulation may reduce our profitability and limit our growth.
A downgrade in our claims-paying and financial strength ratings could significantly reduce our business volumes, adversely impact our ability to access the capital markets and increase our borrowing costs.
Our investment portfolio may suffer reduced returns or losses which could reduce our profitability.
The intense competition that we face could harm our ability to maintain or increase our profitability and premium volume.
The inability of our insurance subsidiaries to pay dividends to us in sufficient amounts would harm our ability to meet our obligations and to pay future dividends.
Assessments and other surcharges for guaranty funds, second-injury funds, catastrophe funds and other mandatory pooling arrangements may reduce our profitability.
Loss or significant restriction of the use of credit scoring in the pricing and underwriting of Personal Insurance products could reduce our future profitability.
Disruptions to our relationships with our distributors, independent agents and brokers could adversely affect us.
If we experience difficulties with outsourcing relationships, technology and/or data security our ability to conduct our business might be negatively impacted.
Full 10-K form ▸
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