874766--2/23/2007--HARTFORD_FINANCIAL_SERVICES_GROUP_INC/DE

related topics
{loss, insurance, financial}
{operation, natural, condition}
{financial, litigation, operation}
{condition, economic, financial}
{debt, indebtedness, cash}
{regulation, change, law}
We may incur losses due to our reinsurers being unwilling or unable to meet their obligations under reinsurance contracts and the availability, pricing and adequacy of reinsurance may not be sufficient to protect us against losses. Regulatory proceedings or private claims relating to incentive compensation or payments made to brokers or other producers, alleged anti-competitive conduct and other sales practices could have a material adverse effect on us. We are particularly vulnerable to losses from the incidence and severity of catastrophes, both natural and man-made, the occurrence of which may have a material adverse effect on our financial condition, consolidated results of operations or cash flows in a particular quarterly or annual period. Potential changes in domestic and foreign regulation may increase our business costs and required capital levels, which could adversely affect our business, consolidated operating results, financial condition or liquidity. Our business, results of operations and financial condition may be adversely affected by general domestic and international economic and business conditions that are less favorable than anticipated. Limits on the ability of our insurance subsidiaries to pay dividends to us may adversely affect our liquidity.

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