Coates transferal ensure -- claims arising from catastrophic events, such as hurricanes,
earthquakes, floods or terrorist attacks;
-- recorded loss and loss adjustment expense reserves subsequently proving
to have been inadequate;
-- the continued availability and cost of reinsurance coverage;
-- the continued availability of capital and financing;
-- general economic, market or business conditions;
-- business opportunities (or lack thereof) that may be presented to it
and pursued;
-- competitive forces, including the conduct of other property and
casualty insurers and reinsurers;
-- changes in domestic or foreign laws or regulations, or their
interpretation, applicable to OneBeacon, its competitors or its
clients;
-- an economic downturn or other economic conditions adversely affecting
its financial position;
-- other factors, most of which are beyond OneBeacon's control; and
-- the risks that are described from time to time in OneBeacon's filings
with the Securities and Exchange Commission, including but not limited
to OneBeacon's Annual Report on Form 10-K for the fiscal year ended
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