Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 330

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 330
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 breach that reveals sensitive data or transmission of harmful/malicious code to business partners and clients.
Because the techniques used to obtain unauthorized access, disable, or degrade service, or sabotage systems change frequently and may
be difficult to detect for long periods of time, we may be unable to anticipate these techniques or implement adequate preventive measures.

Cyber-attacks
may result in substantial financial and reputational cost, including but are not limited to:

    ●
    Compromising of confidential
    information;

    ●
    Manipulation and destruction
    of data;

    ●
    Loss of trade secrets;

    ● 
    System downtimes and operational
    disruptions;

    ● 
    Remediation costs that
    may include liability for stolen assets or information and repairing system damage, as well as incentives offered to business partners
    in an effort to maintain business relationships;

    ●
    Loss of revenues resulting
    from unauthorized use of proprietary information;

    ●
    Cost to deploy additional
    protection strategies, training employees and engaging third party experts and consultants;

    ●
    Reputational damage adversely
    affecting investor confidence; and

    ●
    Costly litigation.

The
control environment for cybersecurity is an ever-changing risk landscape across the entire attack surface which includes risks from on-premises,
cloud infrastructure, software as a service and mobile applications. While we attempt to mitigate these risks by employing a number of
cybersecurity measures, such measures may be insufficient to prevent a cyberattack and our systems, networks, and services remain potentially
vulnerable to advanced threats.

Increased
scrutiny by and changing expectations from investors, employees, and other stakeholders regarding our environmental, social, and governance
(“ESG”) practices and reporting could cause us to incur additional costs and adversely impact our reputation, tenant and
employee acquisition and retention, and access to capital.

Companies
across all industries are facing increasing scrutiny related to their ESG practices and disclosure. Investors, employees, and other stakeholders
have begun to focus increasingly on ESG practices and to place heightened importance on the environmental and social cost of their investments,
business decisions and consumer choices. For example, an increasing number of investment funds focus on positive ESG practices and sustainability
scores when making an investment decision. Additionally, certain institutional investors have demonstrated increased activism with respect
to their existing investments, including by urging companies to take certain actions in areas of perceived ESG significance.

Investors,
particularly institutional investors, use or may use third-party