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ALAS is an established, stable, long-term player in the lawyers' liability insurance market, with a specialized expertise that enables it to better meet the needs of its insureds and to differentiate itself from the competition with value-added services, particularly in loss prevention and claims management.
Partially offsetting these positives are the underwriting volatility inherent in the lawyers' liability insurance line, concentration risk as a monoline professional liability insurer and the competitive nature of the lawyers' liability market.
Partially offsetting these positives are the underwriting volatility inherent in the lawyers' liability insurance line, recent declines in underwriting and operating cash flows and the very competitive nature of the lawyers' liability market that has generated severe price competition in recent years.