Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 414

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1A
Chunk 414
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 pursuant to provisions of the Immigration Law (2015 Revision) of the Cayman Islands, which we refer to as the Immigration
Law, may not engage in any gainful occupation in the Cayman Islands without an appropriate governmental work permit. Although Jay Madhu
and Wrendon Timothy have obtained Permanent Residency in the Cayman Islands, the failure to obtain work permits, or extensions thereof,
for other employee(s) could prevent us from continuing to implement our business strategy seamlessly.

Security
breaches and other disruptions could compromise our information and expose us to liability, which would cause our business and reputation
to suffer.

In
the ordinary course of our business, we may collect and store sensitive data, including proprietary business, in our data centers and
on our networks. The secure processing, maintenance and transmission of this information is critical to our operations and business strategy.
Despite our security measures, our information technology and infrastructure may be vulnerable to attacks by hackers or breached due
to employee error, malfeasance or other disruptions. Any such breach could compromise our networks and the information stored there could
be accessed, publicly disclosed, lost or stolen. Any such access, disclosure or other loss of information could result in legal claims
or proceedings, disrupt our operations, and damage our reputation, which could adversely affect our business, revenues and competitive
position.

If
we lose or are unable to retain our senior management and other key personnel and are unable to attract qualified personnel, our ability
to implement our business strategy could be delayed or hindered, which, in turn, could significantly and negatively affect our business.

Although
we currently only employ three individuals, two of whom are members of senior management, our future success may depend to a
significant extent on the efforts of our senior management and other key personnel (who have not yet been hired) to implement our
business strategy. We believe there are only a limited number of available, qualified executives with substantial experience in our
industry. In addition, we will need to add personnel, including underwriters, to implement our business strategy. We could face
challenges attracting personnel to the Cayman Islands. Accordingly, the loss of the services of one or more of the members of our
senior management or other key personnel (when hired), or our inability to hire and retain other key personnel, could delay or
prevent us from fully implementing our business strategy and, consequently, significantly and negatively affect our
business.

We
do not currently maintain key man life insurance with respect to any of our