The Hartford 2012 Annual Report Download - page 4

Table of Contents
•the potential for further impairments of our goodwill or the potential for changes in valuation allowances against deferred tax assets;
•the possible occurrence of terrorist attacks and the Company’s ability to contain its exposure, including the effect of the absence or insufficiency of
applicable terrorism legislation on coverage;
•the difficulty in predicting the Company’s potential exposure for asbestos and environmental claims;
•the response of reinsurance companies under reinsurance contracts and the availability, pricing and adequacy of reinsurance to protect the Company
against losses;
•actions by our competitors, many of which are larger or have greater financial resources than we do;
•the Company’s ability to distribute its products through distribution channels, both current and future;
•the cost and other effects of increased regulation as a result of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
(the “Dodd-Frank Act”), which, among other effects, vests a Financial Services Oversight Council with the power to designate “systemically important”
institutions, will require central clearing of, and/or impose new margin and capital requirements on, derivatives transactions, and created a new “Federal
Insurance Office” within the U.S. Department of the Treasury (“Treasury”);
•unfavorable judicial or legislative developments;
•the potential effect of other domestic and foreign regulatory developments, including those that could adversely impact the demand for the Company’s
products, operating costs and required capital levels;
•regulatory limitations on the ability of the Company and certain of its subsidiaries to declare and pay dividends;
•the Company’s ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster, cyber or other
information security incident or other unanticipated event;
•the risk that our framework for managing operational risks may not be effective in mitigating material risk and loss to the Company;
•the potential for difficulties arising from outsourcing relationships;
•the impact of changes in federal or state tax laws;
•regulatory requirements that could delay, deter or prevent a takeover attempt that shareholders might consider in their best interests;
•the impact of potential changes in accounting principles and related financial reporting requirements;
•the impact of any future errors in financial reporting;
•the Company’s ability to protect its intellectual property and defend against claims of infringement; and
•other factors described in such forward-looking statements.
Any forward-looking statement made by the Company in this document speaks only as of the date of the filing of this Form 10-K. Factors or events that could
cause the Company’s actual results to differ may emerge from time to time, and it is not possible for the Company to predict all of them. The Company
undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.
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