Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 419

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1A
Chunk 419
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the Investment Company Act, there would be a risk, among other material adverse consequences, that we could become subject to monetary
penalties or injunctive relief, or both, or that we would be unable to enforce contracts with third parties or that third parties could
seek to obtain rescission of transactions with us undertaken during the period in which it was established that we were an unregistered
investment company.

20

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

Although
we do not presently expect that we will conduct business in any jurisdiction other than the Cayman Islands, we cannot assure you that
insurance regulators in the United States or elsewhere will not review our activities and claim that we are subject to such jurisdiction’s
insurance licensing requirements. In addition, we are subject to indirect regulatory requirements imposed by jurisdictions that may limit
our ability to provide reinsurance. For example, our ability to write reinsurance may be subject, in certain cases, to arrangements satisfactory
to applicable regulatory bodies, and proposed legislation and regulations may have the effect of imposing additional requirements upon,
or restricting the market for, non-U.S. reinsurers such as Oxbridge Reinsurance Limited and Oxbridge Re NS, with whom domestic companies
may place business. We do not know of any such proposed legislation pending at this time.

Furthermore,
we may not be able to comply fully with, or obtain desired exemptions from, revised statutes, regulations and policies that currently,
or may in the future, govern the conduct of our business. Failure to comply with, or to obtain desired authorizations and/or exemptions
under, any applicable laws could result in restrictions on our ability to do business or undertake activities that are regulated in the
jurisdictions in which we operate and could subject us to fines and other sanctions. In addition, changes in the laws or regulations
to which our reinsurance subsidiary is subject or may become subject, or in the interpretations thereof by enforcement or regulatory
agencies, could have a material adverse effect on our business, our business plans, and our growth strategy.

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

Due
to our investments in our portfolio, we are exposed to credit risk due to the possibility that counterparties may default on their obligations
to us. Issuers or borrowers whose securities or debt we hold, customers, reinsurers, clearing agents, exchanges