Underwriting Profitability Risk: The potential for underestimation of future claims or overestimation of premium income, leading to unprofitable underwriting results and erosion of capital.

Investment Portfolio Performance Risk: Fluctuations in financial markets or changes in interest rates could negatively impact the value and returns of the company's investment portfolio, which is a significant source of income.

Reserving Adequacy Risk: The risk that current reserves established for future claims may prove insufficient, requiring strengthening and potentially impacting financial results and capital.