3 unchanged sentences
13a-15(e) and 15d-15(e) under the Exchange Act).
−Removed: Based on such evaluation, our Chief Executive Officer and our Chief Financial Officer have concluded that, at September 30, 2024, our disclosure controls and procedures were effective in recording,
+Added: Based on such evaluation, our Chief Executive Officer and our Chief Financial Officer have concluded that, at March 31, 2025, 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
11 unchanged sentences
The factors that could cause our actual results to vary materially from the forward-looking statements we have previously made include, but are not
−Removed: limited to, adverse litigation and other trends that could increase our loss costs (including social inflation, labor shortages and escalating medical, automobile and property repair costs), adverse and catastrophic weather events (including from
−Removed: changing climate conditions), 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,
−Removed: 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,
−Removed: 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
−Removed: 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.
−Removed: Best rating and the other
−Removed: risks that we describe from time to time in our filings with the Securities and Exchange Commission.
−Removed: 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
−Removed: statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.
+Added: limited to, adverse litigation and other trends that could increase our loss costs (including labor shortages and escalating medical, automobile and property repair costs, including due to tariffs), adverse and catastrophic weather events
+Added: (including from changing climate conditions), 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
+Added: 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
+Added: 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
+Added: 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.
+Added: Best rating and the other risks that we describe from time to time in our filings with the Securities and Exchange Commission.
+Added: We disclaim any obligation to update such statements or to announce publicly the results of any revisions that we may
+Added: 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.