Company: OXBRW
Filing Date: 2025-07-10
Form Type: 424B5
Source: 0001641172-25-018473
Chunk: 5

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-07-10
Form: 424B5
Chunk 5
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 by A.M. Best, or receipt of a negative rating, could significantly and negatively 
 affect our ability to grow.                                                                       |

| ● | Established                                                                               
 competitors with greater resources may make it difficult for us to effectively market our 
 products or offer our products at a profit.                                               |

| ● | If                                                                                           
 actual renewals of our existing contracts do not meet expectations, our premiums assumed     
 in future years and our future results of operations could be materially adversely affected. |

| ● | Reputation                                                                                    
 is an important factor in the reinsurance industry, and our lack of an established reputation 
 may make it difficult for us to attract or retain business.                                   |

| S-iii |

| ● | If                                                                                                
 our losses and loss adjustment expenses greatly exceed our loss reserves, our financial condition 
 may be significantly and negatively affected.                                                     |

| ● | The                                                                                          
 property and casualty reinsurance market may be affected by cyclical trends and over-supply. |

| ● | Our                                                                                         
 property and property catastrophe reinsurance operations will make us vulnerable to losses  
 from catastrophes and may cause our results of operations to vary significantly from period 
 to period.                                                                                  |

| ● | We                                                                                            
 could face unanticipated losses from war, terrorism, and political unrest, and these or other 
 unanticipated losses could have a material adverse effect on our financial condition and      
 results of operations.                                                                        |

| ● | We                                                                                            
 depend on our clients’ evaluations of the risks associated with their insurance underwriting, 
 which may subject us to reinsurance losses.                                                   |

| ● | Changing                                                                                      
 climate conditions may adversely affect our financial condition, profitability or cash flows. |

| ● | Operational                                                               
 risks, including human or systems failures, are inherent in our business. |

| ● | The                                                                        
 effect of emerging claim and coverage issues on our business is uncertain. |

| ● | We                                                                                                
 are required to maintain sufficient collateral accounts, which could significantly and negatively 
 affect our ability to implement our business strategy.                                            |

| ● | The                                                                                             
 inability to obtain business provided from brokers could adversely affect our business strategy 
 and results of operations.                                                                      |

| ● | The                                                                     
 involvement of reinsurance brokers may subject us to their credit risk. |

| ● | Our                                                                                          
 use of fair value accounting of our significant investment in Jet.AI Inc. could result in    
 income statement volatility, which in turn, could cause significant market price and trading 
 volume fluctuations for our securities                                                       |

| ● | U.S.