What changed in this filing

/stocks — the workspaceLOADING

Item 4. Controls and Procedures

2022-11-04 compared with 2022-08-05 · 18 added, 18 removed, 18 unchanged (67% of the section changed)

3 unchanged sentences

13a-15(e) and 15d-15(e) under the Exchange Act).

Based on such evaluation, our Chief Executive Officer and our Chief Financial Officer have concluded that, at June 30, 2022, our disclosure controls and procedures were effective in recording,

Based on such evaluation, our Chief Executive Officer and our Chief Financial Officer have concluded that, at September 30, 2022, our disclosure controls and procedures were effective in recording,

processing, summarizing and reporting, on a timely basis, information we are required to disclose in the reports that we file or submit under the Exchange Act, and our disclosure controls and procedures were also effective to ensure that

6 unchanged sentences

Such changes resulted in changes to procedures related to our financial reporting.

Prior to the implementation of the new systems, we identified and designed new internal controls that we incorporated into our internal

controls over financial reporting.

Prior to the implementation of the new systems, we identified and designed new internal controls that we incorporated into our

internal controls over financial reporting.

Following the implementation, we validated these new controls according to our established processes.

We did not implement these changes in internal controls to respond to any actual or perceived significant

deficiencies in our internal control over financial reporting.

We did not implement these changes in internal controls to respond to any actual or perceived

significant deficiencies in our internal control over financial reporting.

Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995

We base all statements contained in this release that are not historic facts on our current expectations.

Such statements are forward-looking in nature (as defined in the Private Securities Litigation Reform Act of

1995) and necessarily involve risks and uncertainties.

Such statements are forward-looking in nature (as defined in the Private Securities Litigation Reform Act

of 1995) and necessarily involve risks and uncertainties.

Forward-looking statements we make may be identified by our use of words such as “will,” “expect,” “intend,” “plan,” “anticipate,” “believe,” “seek,” “estimate” and similar expressions.

actual results could vary materially from our forward-looking statements.

The factors that could cause our actual results to vary materially from the forward-looking statements we have previously made include, but are not limited to, prolonged

economic challenges resulting from the COVID-19 pandemic, adverse litigation and other trends that could increase our loss costs (including labor shortages and escalating medical, automobile and property repair costs), adverse and catastrophic

weather events, our ability to maintain profitable operations (including our ability to underwrite risks effectively and charge adequate premium rates), the adequacy of the loss and loss expense reserves of our insurance subsidiaries, the

availability and successful operation of the information technology systems our insurance subsidiaries utilize, the successful development of new information technology systems to allow our insurance subsidiaries to compete effectively, business

and economic conditions in the areas in which we and our insurance subsidiaries operate, interest rates, competition from various insurance and other financial businesses, terrorism, the availability and cost of reinsurance, legal and judicial

developments including those related to COVID-19 business interruption coverage exclusions, changes in regulatory requirements, our ability to attract and retain independent insurance agents, changes in our A.M.

Best rating and the other risks that

we describe from time to time in our filings with the Securities and Exchange Commission.

We disclaim any obligation to update such statements or to announce publicly the results of any revisions that we may make to any forward-looking statements

to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Our actual results could vary materially from our forward-looking statements.

The factors that could cause our actual results to vary materially from the forward-looking statements we have previously made include, but are not limited to,

prolonged economic challenges resulting from the COVID-19 pandemic, adverse litigation and other trends that could increase our loss costs (including labor shortages and escalating medical, automobile and property repair costs), adverse and

catastrophic weather events, our ability to maintain profitable operations (including our ability to underwrite risks effectively and charge adequate premium rates), the adequacy of the loss and loss expense reserves of our insurance

subsidiaries, the availability and successful operation of the information technology systems our insurance subsidiaries utilize, the successful development of new information technology systems to allow our insurance subsidiaries to compete

effectively, business and economic conditions in the areas in which we and our insurance subsidiaries operate, interest rates, competition from various insurance and other financial businesses, terrorism, the availability and cost of reinsurance,

legal and judicial developments including those related to COVID-19 business interruption coverage exclusions, changes in regulatory requirements, our ability to attract and retain independent insurance agents, changes in our A.M.

Best rating and

the other risks that we describe from time to time in our filings with the Securities and Exchange Commission.

We disclaim any obligation to update such statements or to announce publicly the results of any revisions that we may make to any

forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Other Information

1 unchanged sentence

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-Q

Item 4. Controls and Procedures