Allstate 2011 Annual Report Download - page 90

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Changing climate conditions may adversely affect our financial condition, profitability or cash flows
Allstate recognizes the scientific view that the world is getting warmer. Climate change, to the extent it produces
rising temperatures and changes in weather patterns, could impact the frequency or severity of weather events and
wildfires, the affordability and availability of homeowners insurance, and the results for our Allstate Protection segment.
Loss of key vendor relationships or failure of a vendor to protect personal information of our customers,
claimants or employees could affect our operations
We rely on services and products provided by many vendors in the United States and abroad. These include, for
example, vendors of computer hardware and software and vendors of services such as claim adjustment services and
human resource benefits management services. In the event that one or more of our vendors suffers a bankruptcy or
otherwise becomes unable to continue to provide products or services, or fails to protect personal information of our
customers, claimants or employees, we may suffer operational impairments and financial losses.
10
Risk Factors