Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 302

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 302
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Information

Our
website is located at www.oxbridgere.com. Copies of our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports
on Form 8-K, and amendments to these reports filed or furnished pursuant to Section 13(a) or 15(d) of the Exchange Act are available,
free of change, on our website as soon as reasonably practicable after we file such material electronically with or furnish it to the
Securities and Exchange Commission (the “SEC”). The SEC also maintains a website that contains our SEC filings. The address
of the SEC’s website is www.sec.gov.

Summary
of Risk Factors

Our
business is subject to numerous risks and uncertainties, including those highlighted in the section titled “Risk Factors,”
that represent challenges that we face in connection with the successful implementation of our strategy. The occurrence of one or more
of the events or circumstances described in the section titled “Risk Factors,” alone or in combination with other events
or circumstances may have an adverse effect on our business, cash flows, financial condition and results of operations. In that case,
the market price of our securities could decline, and you may lose some or all of your investment. Such risks include, but are not limited
to:

    ●
    We will need additional
    capital in the future in order to grow and operate our business. Such capital may not be available to us or may not be available
    to us on favorable terms. Furthermore, our raising additional capital could dilute your ownership interest in our company.

    ●
    Our results of operations
    will fluctuate from period to period and may not be indicative of our long-term prospects.
  
    ●
    Our tokenization business
    operations are at an early stage of development and have a limited operating history, and our strategy of developing a Web3-focused
    tokenization business may not be successful.
  
    ●
    Developing a Web3.0-focused
    business around the tokenization of RWAs involves significant risks.

    ●
    Failure to become rated
    by A.M. Best, or receipt of a negative rating, could significantly and negatively affect our ability to grow.
  
    ●
    Established competitors
    with greater resources may make it difficult for us to effectively market our products or offer our products at a profit.
  
    ●
    If actual renewals of our
    existing contracts do not meet expectations, our premiums assumed in future years and