Company: OXBRW
Filing Date: 2025-07-10
Form Type: 424B5
Source: 0001641172-25-018473
Chunk: 6

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-07-10
Form: 424B5
Chunk 6
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 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                                                                                              
 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.            |

| ● | There                                                                                         
 are differences under Cayman Islands corporate law and Delaware corporate law with respect    
 to interested party transactions which may benefit certain of our shareholders at the expense 
 of other shareholders.                                                                        |

| ● | Any                                                                                        
 suspension or revocation of our reinsurance license would materially impact our ability to 
 do business and implement our business strategy.                                           |

| ● | Our                                                                                       
 reinsurance subsidiaries are subject to minimum capital and surplus requirements, and our 
 failure to meet these requirements could subject us to regulatory action.                 |

| S-iv |

| ● | As                                                                                     
 a holding company, we will depend on the ability of our subsidiaries to pay dividends. |

| ● | We                                                                                       
 may be subject to the risk of possibly becoming an investment company under U.S. federal 
 securities law.                                                                          |

| ● | Insurance                                                                                 
 regulations to which we are, or may become, subject, and potential changes thereto, could 
 have a significant and negative effect on our business.                                   |

| ● | We                                                                                           
 will likely be exposed to credit risk due to the possibility that counterparties may default 
 on their obligations to us.                                                                  |

| ● | Provisions                                                                            
 of our Third Amended and Restated Memorandum and Articles of Association (“Articles”) 
 could adversely affect the value of our securities.                                   |

| ● | Provisions                                                              
 of the Companies Act could prevent a merger or takeover of our company. |

| ● | Holders                                                                                      
 of our securities may have difficulty obtaining or enforcing a judgment against us, and they 
 may face difficulties in protecting their interests because we are incorporated under Cayman 
 Islands law.                                                                                 |

| ● | Provisions                                                              
 of our Articles may reallocate the voting power of our ordinary shares. |

| ● | We                                                                                            
 do