Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 315

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 315
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. Any such breach could compromise our networks and the information stored there could
be accessed, publicly disclosed, lost or stolen. Any such access, disclosure or other loss of information could result in legal claims
or proceedings, disrupt our operations, and damage our reputation, which could adversely affect our business, revenues and competitive
position.

If
we lose or are unable to retain our senior management and other key personnel and are unable to attract qualified personnel, our ability
to implement our business strategy could be delayed or hindered, which, in turn, could significantly and negatively affect our business.

Although
we currently only employ three individuals, two of whom are members of senior management, our future success may depend to a
significant extent on the efforts of our senior management and other key personnel (who have not yet been hired) to implement our
business strategy. We believe there are only a limited number of available, qualified executives with substantial experience in our
industry. In addition, we will need to add personnel, including underwriters, to implement our business strategy. We could face
challenges attracting personnel to the Cayman Islands. Accordingly, the loss of the services of one or more of the members of our
senior management or other key personnel (when hired), or our inability to hire and retain other key personnel, could delay or
prevent us from fully implementing our business strategy and, consequently, significantly and negatively affect our
business.

We
do not currently maintain key man life insurance with respect to any of our senior management. If any member of senior management dies
or becomes incapacitated, or leaves the Company to pursue employment opportunities elsewhere, we would be solely responsible for locating
an adequate replacement for such senior management and for bearing any related cost. To the extent that we are unable to locate an adequate
replacement or are unable to do so within a reasonable period of time, our business may be significantly and negatively affected.

There
are differences under Cayman Islands corporate law and Delaware corporate law with respect to interested party transactions which may
benefit certain of our shareholders at the expense of other shareholders.

Under
Cayman Islands corporate law, a director may vote on a contract or transaction where the director has an interest as a shareholder, director,
officer or employee provided such interest is disclosed. None of our contracts will be deemed to be void because any director is an interested
party in such transaction and interested parties will not be held liable for monies owed to the company. In contracts, under Delaware
law, interested party