94344--3/13/2009--STEWART_INFORMATION_SERVICES

related topics

{capital, credit, financial}

{product, market, service}

{provision, law, control}

{financial, litigation, operation}

{loss, insurance, financial}

{regulation, change, law}

{regulation, government, change}

Competition in the title insurance industry affects our revenues. Availability of credit may reduce our liquidity and negatively impact our ability to fund operating losses or initiatives. Outstanding debt may be required to be repaid at any time by the issuing banks. A downgrade of our underwriters by rating agencies may reduce our revenues. Our insurance subsidiaries must comply with extensive government regulations. These regulations could adversely affect our ability to increase our revenues and operating results. Rapid technological changes in our industry require timely and cost-effective responses. Our earnings may be adversely affected if we are unable to effectively use technology to increase productivity. We rely on dividends from our insurance underwriting subsidiaries. Litigation risks include claims by large classes of claimants. Anti-takeover provisions in our certificate of incorporation and by-laws may make a takeover of us difficult. This may reduce the opportunity for our stockholders to obtain a takeover premium for their shares of our Common Stock.

Full 10-K form ▸

94344--3/13/2009--STEWART_INFORMATION_SERVICES_CORP