|
| related topics |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {provision, law, control} |
| {investment, property, distribution} |
| {financial, litigation, operation} |
| {customer, product, revenue} |
| {product, market, service} |
|
|
If our financial strength ratings are reduced, we may be adversely impacted.
If market conditions cause our reinsurance to be more costly or unavailable, we may be required to bear increased risks or reduce the level of our underwriting commitments.
We are subject to credit risk with respect to the obligations of our reinsurers and risk-sharing partners. The inability of our reinsurers or risk-sharing partners to meet their obligations could adversely affect our profitability.
We face competitive pressures in our business that could cause our revenues to decline and adversely affect our profitability.
Our results may fluctuate as a result of many factors, including cyclical changes in the insurance industry.
Negative developments within the workers compensation insurance industry may adversely affect our financial condition and results of operations.
The failure of any of the loss limitation methods we employ could have a material adverse effect on our results of operations and financial condition.
Because our investment portfolio consists primarily of fixed income securities, our investment income could suffer as a result of fluctuations in interest rates and market conditions.
We could be forced to sell investments to meet our liquidity requirements.
Because we are heavily regulated by the states in which we operate, we may be limited in the way we operate.
Our reliance on producers subjects us to their credit risk.
Provisions of the Michigan Business Corporation Act, our articles of incorporation and other corporate governing documents and the insurance laws of Michigan and Missouri may discourage takeover attempts.
Most states assess our Insurance Company Subsidiaries to provide funds for failing insurance companies and those assessments could be material.
We may require additional capital in the future, which may not be available or may only be available on unfavorable terms.
Our performance is dependent on the continued services and performance of our senior management and other key personnel.
Full 10-K form ▸
|
|
| related documents |
| 949156--3/13/2007--MEADOWBROOK_INSURANCE_GROUP_INC |
| 1015328--2/29/2008--WINTRUST_FINANCIAL_CORP |
| 33416--3/8/2006--ERIE_FAMILY_LIFE_INSURANCE_CO |
| 8177--3/31/2008--ATLANTIC_AMERICAN_CORP |
| 80661--3/1/2010--PROGRESSIVE_CORP/OH/ |
| 8177--3/31/2006--ATLANTIC_AMERICAN_CORP |
| 8177--3/30/2007--ATLANTIC_AMERICAN_CORP |
| 20171--2/28/2007--CHUBB_CORP |
| 1172052--3/14/2008--SAFETY_INSURANCE_GROUP_INC |
| 8177--3/31/2009--ATLANTIC_AMERICAN_CORP |
| 949156--3/16/2009--MEADOWBROOK_INSURANCE_GROUP_INC |
| 1172052--3/16/2006--SAFETY_INSURANCE_GROUP_INC |
| 97196--3/16/2006--AMERICAN_INDEPENDENCE_CORP |
| 888919--3/16/2006--HCC_INSURANCE_HOLDINGS_INC/DE/ |
| 775368--2/27/2008--ALLEGHANY_CORP_/DE |
| 1044566--2/27/2006--CNA_SURETY_CORP |
| 109261--2/16/2006--ZENITH_NATIONAL_INSURANCE_CORP |
| 913357--3/29/2006--FINANCIAL_SECURITY_ASSURANCE_HOLDINGS_LTD |
| 701869--3/17/2008--INDEPENDENCE_HOLDING_CO |
| 1032033--3/2/2009--SLM_CORP |
| 80661--2/28/2007--PROGRESSIVE_CORP/OH/ |
| 775368--2/28/2007--ALLEGHANY_CORP_/DE |
| 80661--2/25/2009--PROGRESSIVE_CORP/OH/ |
| 9346--3/14/2008--BALDWIN_&_LYONS_INC |
| 21175--2/23/2007--CNA_FINANCIAL_CORP |
| 1065201--4/2/2007--AMERINST_INSURANCE_GROUP_LTD |
| 80661--2/28/2006--PROGRESSIVE_CORP/OH/ |
| 776867--3/7/2006--WHITE_MOUNTAINS_INSURANCE_GROUP_LTD |
| 744455--3/30/2009--GREAT_WEST_LIFE_&_ANNUITY_INSURANCE_CO |
| 744455--3/31/2008--GREAT_WEST_LIFE_&_ANNUITY_INSURANCE_CO |
|