Company: OXBRW
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001493152-25-021063
Chunk: 107

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 107
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SPECIAL
NOTE ABOUT FORWARD-LOOKING STATEMENTS

Certain
statements in this Quarterly Report on Form 10-Q, including in this Management’s Discussion and Analysis, other than purely historical
information, including estimates, projections, statements relating to our business plans, objectives and expected operating results,
and the assumptions upon which those statements are based, are “forward-looking statements” within the meaning of the Private
Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of
1934, as amended (the “Exchange Act”). These forward-looking statements generally are identified by the words “believe,”
“project,” “predict,” “expect,” “anticipate,” “estimate,” “intend,”
“plan,” “may,” “should,” “will,” “would,” “will be,” “will
continue,” “will likely result,” and similar expressions. Forward-looking statements are based on current expectations
and assumptions that are subject to risks and uncertainties which may cause actual results to differ materially from the forward-looking
statements. A detailed discussion of risks and uncertainties that could cause actual results and events to differ materially from such
forward-looking statements is included in the section entitled “Risk Factors” contained in our Form
10-K filed with the Securities and Exchange Commission (“SEC”) on March 26, 2024. We undertake no obligation to publicly
update or revise any forward -looking statements, whether as a result of new information, future events, or otherwise. Readers are cautioned
not to place undue reliance on the forward -looking statements which speak only to the dates on which they were made.

GENERAL

The
following is a discussion and analysis of our results of operations for the three-and nine-month periods ended September 30, 2025 and
2024 and our financial condition as of September 30, 2025 and December 31, 2024. The following discussion should be read in conjunction
with our consolidated financial statements and related notes included elsewhere in this Quarterly Report on Form 10-Q and in our Form
10-K filed with the Securities and Exchange Commission (“SEC”) on March 26, 2025. References to “we,”
“us,” “our,” “our company,” or “the Company” refer to Oxbridge Re Holdings Limited and
its subsidiaries, Oxbridge Reinsurance Limited, Oxbridge Re NS, SurancePlus Holdings Ltd., SurancePlus, Inc