Risk factors
KEMPER (KMPR) risk factors
Item 1A of every KEMPER Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors30 risks2 new1 dropped4 reworded
California and Florida personal auto concentration increased from 80% to 82% of gross written premiums.
Filed Feb 11, 2026 - FY2024 10-K risk factors29 risks
California and Florida concentration heavily exposes Kemper to regulatory, legal, and economic shocks in personal automobile insurance. Investment portfolio performance and capital market fluctuations significantly impact net investment income and financial condition. Strict insurance regulation and reserve estimation uncertainties pose ongoing operational and financial challenges.
Filed Feb 07, 2025