The Hartford 2013 Annual Report Download - page 4

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• losses due to nonperformance or defaults by others;
• the potential for further acceleration of deferred policy acquisition cost amortization;
• 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, which, among other effects, vests a Financial Stability Oversight Council with the power to designate
“systemically important” institutions, requires central clearing of and imposes margin requirements on certain derivatives
transactions, and created a new “Federal Insurance Office” within the U.S. Department of the 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 and similar third-party 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 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.