|
| related topics |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {debt, indebtedness, cash} |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {operation, natural, condition} |
| {operation, international, foreign} |
| {cost, regulation, environmental} |
|
|
Our results could be adversely affected by catastrophic events.
Our losses from future catastrophic events could exceed our projections.
If our loss reserves are inadequate to meet our actual losses, net income would be reduced or we could incur a loss.
The failure to accurately assess underwriting risk and establish adequate premium rates could reduce our net income or result in net loss.
Decreases in pricing for property and casualty reinsurance and insurance could reduce our net income.
If rating agencies downgrade the ratings of our insurance subsidiaries, future prospects for growth and profitability could be significantly and adversely affected.
The failure of our insureds, intermediaries and reinsurers to satisfy their obligations to us could reduce our net income.
If we are unable or choose not to purchase reinsurance and transfer risk to reinsurers, our net income could be reduced or we could incur a net loss in the event of an unusual loss experience.
Our industry is highly competitive and we may not be able to compete successfully in the future.
We are dependent on our key personnel.
Our investment values and investment income could decline because they are exposed to interest rate, credit, and market risks.
We may experience foreign currency exchange losses that reduce our net income and capital levels.
Insurance laws and regulations restrict our ability to operate and any failure to comply with those laws and regulations could have a material adverse effect on our business.
Because of our holding company structure, our ability to pay dividends, interest and principal is dependent on our receipt of dividends, loan payments and other funds from our subsidiaries.
Full 10-K form ▸
|
|
| related documents |
| 914748--3/31/2009--EVEREST_REINSURANCE_HOLDINGS_INC |
| 1168338--2/26/2010--CRUM_&_FORSTER_HOLDINGS_CORP |
| 847431--3/15/2006--NYMAGIC_INC |
| 21175--3/8/2006--CNA_FINANCIAL_CORP |
| 1025877--3/16/2006--DCB_FINANCIAL_CORP |
| 1273397--3/17/2008--PROCENTURY_CORP |
| 21175--2/23/2010--CNA_FINANCIAL_CORP |
| 5272--2/28/2008--AMERICAN_INTERNATIONAL_GROUP_INC |
| 888919--2/29/2008--HCC_INSURANCE_HOLDINGS_INC/DE/ |
| 1025877--3/17/2008--DCB_FINANCIAL_CORP |
| 1025877--3/16/2007--DCB_FINANCIAL_CORP |
| 1168338--2/29/2008--CRUM_&_FORSTER_HOLDINGS_CORP |
| 888919--3/2/2009--HCC_INSURANCE_HOLDINGS_INC/DE/ |
| 1156124--2/28/2008--GENWORTH_LIFE_&_ANNUITY_INSURANCE_CO |
| 911631--3/19/2010--TRIAD_GUARANTY_INC |
| 888919--3/1/2010--HCC_INSURANCE_HOLDINGS_INC/DE/ |
| 839759--3/17/2008--ALLSTATE_LIFE_INSURANCE_CO_OF_NEW_YORK |
| 793547--2/26/2010--NAVIGATORS_GROUP_INC |
| 876437--3/2/2009--MGIC_INVESTMENT_CORP |
| 21175--2/24/2009--CNA_FINANCIAL_CORP |
| 839759--3/13/2007--ALLSTATE_LIFE_INSURANCE_CO_OF_NEW_YORK |
| 888919--3/1/2007--HCC_INSURANCE_HOLDINGS_INC/DE/ |
| 1033012--3/13/2009--FLAGSTAR_BANCORP_INC |
| 777917--3/14/2008--PRUCO_LIFE_INSURANCE_CO |
| 777917--3/24/2006--PRUCO_LIFE_INSURANCE_CO |
| 1038509--3/24/2006--PRUCO_LIFE_INSURANCE_OF_NEW_JERSEY |
| 881453--3/14/2008--PRUDENTIAL_ANNUITIES_LIFE_ASSURANCE_CORP/CT |
| 881453--3/24/2006--AMERICAN_SKANDIA_LIFE_ASSURANCE_CORP/CT |
| 793547--2/23/2007--NAVIGATORS_GROUP_INC |
| 793547--2/27/2006--NAVIGATORS_GROUP_INC |
|