Risk factors
RLI (RLI) risk factors
Item 1A of every RLI 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 factors25 risks2 reworded
State concentration eased slightly: four states generated 56% of 2025 direct premiums, versus 57% in 2024.
Filed Feb 20, 2026 - FY2024 10-K risk factors25 risks
Geographic concentration in Florida, California, Texas, and New York drives significant catastrophe and regulatory exposure. Reliance on a few brokers for 46 percent of gross premiums introduces distribution risk. Inadequate loss reserves and unpredictable weather events threaten profitability.
Filed Feb 21, 2025