Company: OXBRW
Filing Date: 2025-05-12
Form Type: S-3
Source: 0001641172-25-009665
Chunk: 10

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-05-12
Form: S-3
Chunk 10
---
 predictable quarterly earnings,   
 but rather to optimize growth in book value per share over the long term.                      |

| ● | Focus                                                                                       
 on Risk Management. We treat risk management as an integral part of our underwriting        
 and business management processes. All of our reinsurance contracts contain loss limitation 
 provisions that limit our losses to the value of the assets collateralizing our reinsurance 
 contracts.                                                                                  |

| ● | Deployment                                                                                     
 of Capital. In order to eliminate the possibility of complete losses, we intend to             
 place only a portion of our total capital at risk in any single year. This means that we       
 expect lower returns than some of our competitors in years where there are lower than average  
 catastrophe losses but that our capital will not be completely eroded in the event of multiple 
 large losses.                                                                                  |

| ● | Take                                                                                           
 Advantage of Market Opportunities. Although our business is initially focused on               
 catastrophe coverage for Gulf Coast insurers we intend to continuously evaluate various market 
 opportunities in which our business may be strategically or financially expanded or enhanced   
 in the future. Such opportunities could take the form of investing into related party special  
 purpose acquisition companies, further diversifying our business into other geographic or      
 market areas, which could include quota share reinsurance contracts, joint ventures, renewal   
 rights transactions, corporate acquisitions of other insurers or reinsurers, spinoffs, mergers 
 or the formation of insurance or reinsurance platforms in new markets.                         |

| ● | Develop                                                                                          
 and Pursue Additional Tokenization Business Opportunities. Through SurancePlus Holdings          
 and our Web3-focused subsidiaries, we intend to leverage our experience and knowledge with       
 the tokenization of RWAs (including the initial DeltaCat Re Token) to develop other Web3-focused 
 business offerings and products relating to the tokenization of RWAs, including RWAs held        
 or being acquired by third parties.                                                              |

We believe the environment in the reinsurance and insurance markets will continue to produce opportunities for us, either through organic expansion, through acquisitions, or a combination of both.

The Reinsurance Industry

General

Reinsurance is an arrangement in which an insurance company, referred to as the reinsurer, agrees to assume from another insurance company, referred to as the ceding company or cedant, all or a portion of the insurance risks that the ceding company has underwritten under one or more insurance contracts. In return, the reinsurer receives a premium for the insured risks that it assumes from the ceding company, although reinsurance does not discharge the ceding company