Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 297

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 297
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in creating an in-house marketing and distribution network. Reinsurance brokers receive a brokerage commission that is usually a percentage
of gross premiums written.

We
intend to build relationships with global reinsurance brokers and captive insurance companies located in the Cayman Islands. Our management
team has significant relationships with most of the primary and specialty broker intermediaries in the reinsurance marketplace in our
target market. We believe that maintaining close relationships with brokers will give us access to a broad range of reinsurance clients
and opportunities.

Brokers
do not have the authority to bind us to any reinsurance contract. We review and approve all contract submissions in our corporate offices
located in the Cayman Islands. From time to time, we may also enter into relationships with managing general agents who could bind us
to reinsurance contracts based on narrowly defined underwriting guidelines.

8

Investment
Strategy

Our
Company takes an opportunistic approach with respect to investment income and intend to increase shareholder value through supplemental
investment income when favorable opportunities are available. The Company, from time to time, and dependent upon favorable investment
conditions and our investment guidelines, may invest in real estate and other ventures that have the potential to increase shareholder
value. Through its reinsurance subsidiaries, the Company has made and intend to make future investments that can contribute to the growth
of capital and surplus in its licensed reinsurance subsidiaries over time.

Some
of our company’s capital is held in trust accounts that collateralize the reinsurance policies that we write. The investment parameters
for capital held in such trust accounts are generally established by the cedant for the relevant policy. Currently, all amounts held
in trust accounts are in cash and cash equivalents.

Our
Board of Directors periodically reviews our investment policy and returns.

Claims
Management

Claims
are managed internally by the company’s management team. Management reviews and responds to initial loss reports, administers claims
databases, determines whether further investigation is required and where appropriate, retains outside claims counsel, establishes case
reserves and approves claims for payment. In addition, we may conduct audits of any significant client throughout the year, and in the
process, evaluate our clients’ claims handling abilities, reserving philosophies, loss notification processes and the overall quality
of our clients’ performance.

Upon
receipt, claims notices are recorded within our underwriting, financial and claims systems. When we are notified of insured losses or
discover potential losses as part of our claims’ audits, we record a case reserve as appropriate for the