Company: OXBRW
Filing Date: 2025-05-12
Form Type: 10-Q
Source: 0001641172-25-009673
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Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-05-12
Form: 10-Q
Item: Part I, Item 2
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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-month periods ended March 31, 2025 and 2024 and our financial
condition as of March 31, 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., Surance