Company: OXBRW
Filing Date: 2025-04-25
Form Type: S-3
Source: 0001641172-25-006293
Chunk: 8

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-04-25
Form: S-3
Chunk 8
---
 subject to the rules for related person insurance income, and in either case this may subject a U.S. holder of our
ordinary shares to disadvantageous rules under U.S. federal income tax laws.

● United States tax-exempt organizations
who own ordinary shares may recognize unrelated business taxable income.

● Changes in United States tax laws may
be retroactive and could subject us, and/or United States persons who own ordinary shares to United States income taxation on our undistributed
earnings.

● We do not intend to resume paying cash
dividends in the foreseeable future.

● Outages, computer viruses and similar
events could disrupt our operations.

● Increased Information Technology (“IT”) security
threats and more sophisticated computer crime could pose a risk to our systems, networks, and services.

● 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 and

● other factors that may affect us, most
of which are beyond our control.

Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition or operating results.

The forward-looking statements speak only as of the date on which they are made, and, except as required by law, we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. Consequently, you should not place undue reliance on forward-looking statements.

| iv |

<div align='center'>PROSPECTUS SUMMARY</div>

The information contained in or incorporated by reference into this prospectus summarizes certain information about our company. It may not contain all of the information that is important to you. To understand this offering fully, you should read carefully the entire prospectus and the other information incorporated by reference into this prospectus.

Our Business

Overview

We are a Cayman Islands specialty property and casualty reinsurer that provides reinsurance solutions through our reinsurance subsidiaries, Oxbridge Reinsurance Limited and Oxbridge Re NS. We focus on underwriting fully collateralized reinsurance contracts primarily for property and casualty