Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 303

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 303
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 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
  
    ●
    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.

11

    ●
    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.
  
    ●