EIHI » Topics » Competition

These excerpts taken from the EIHI 10-K filed Mar 13, 2009.

Competition

The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control. Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.

Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers, including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial strength ratings and substantially greater financial, technical and operating resources than the Company.

Competition

STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%">The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control.
Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial
strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The
Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital
Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.


Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers,
including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life
Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial
strength ratings and substantially greater financial, technical and operating resources than the Company.

Competition

STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%">The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control.
Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial
strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The
Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital
Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.


Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers,
including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life
Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial
strength ratings and substantially greater financial, technical and operating resources than the Company.

These excerpts taken from the EIHI 10-K filed Mar 28, 2008.

Competition

The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control. Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.

Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers, including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial strength ratings and substantially greater financial, technical and operating resources than the Company.

Competition

STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%">The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control.
Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial
strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The
Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital
Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.


Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers,
including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life
Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial
strength ratings and substantially greater financial, technical and operating resources than the Company.

These excerpts taken from the EIHI 10-K filed Mar 14, 2008.

Competition

The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control. Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.

Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers, including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial strength ratings and substantially greater financial, technical and operating resources than the Company.

Competition

STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%">The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control.
Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial
strength, ratings, distribution systems and technical expertise.

The property and casualty insurance market is highly competitive. The
Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital
Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund.


Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers,
including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life
Insurance Company and Metropolitan Life Insurance Company.

Certain of the Company’s competitors have higher A.M. Best financial
strength ratings and substantially greater financial, technical and operating resources than the Company.

This excerpt taken from the EIHI 10-K filed Apr 2, 2007.

Competition

The Company’s ability to compete successfully in its principal markets is dependent upon a number of factors, many of which are outside its control. Many of the Company’s business segments are subject to significant price competition. In addition to price, competition in the Company’s lines of insurance is based on quality of the products, quality and delivery of service, financial strength, ratings, distribution systems and technical expertise.

 

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Table of Contents

The property and casualty insurance market is highly competitive. The Company competes with stock insurance companies, mutual companies, local cooperatives and other underwriting organizations. In its workers’ compensation insurance segment, the Company considers its principal competitors to be PMA Capital Insurance Group, Erie Insurance Group, Guard Insurance Group, Penn National Insurance Company, Selective Insurance Group, Cincinnati Insurance Company, Lackawanna Insurance Group, and the Pennsylvania State Workers’ Insurance Fund. Certain of these competitors have higher A.M. Best financial strength ratings and substantially greater financial, technical and operating resources than the Company.

Group benefits insurance products are relatively inexpensive to develop and market, and as such are offered by hundreds of insurance carriers, including a number of financial services companies which are not considered members of the insurance industry. In its group benefits insurance segment, the Company’s principal competitors include Aetna, Inc., Assurant, Inc., Guardian Life Insurance Company and Metropolitan Life Insurance Company.

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