Company: OXBRW
Filing Date: 2025-04-25
Form Type: S-3
Source: 0001641172-25-006292
Chunk: 6

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-04-25
Form: S-3
Chunk 6
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-focused tokenization business may not be successful.

● Developing a Web3.0-focused business around the tokenization of RWAs involves significant risks.

● Failure to become rated 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.

● 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

| iii |

● 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. and global economic downturns could harm our business, our liquidity and financial condition and the price of our securities.

● Our ability to implement our business strategy could be delayed or adversely affected by Cayman Islands employment restrictions.

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

● If