Company: OXBRW
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001641172-25-023960
Chunk: 89

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 8
Chunk 89
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,” “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 six-month periods ended June 30, 2025 and 2024 and our
financial condition as of June 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. and DSN Blockchain Technologies
Ltd., unless the context dictates otherwise.

Overview
and Trends

We
are a Cayman Islands specialty property and casualty reinsurer that provides reinsurance solutions through our reinsurance subsidiaries,
Oxbridge Reinsurance Limited and Oxbridge Re NS. We focus on underwriting fully collateralized reinsurance contracts primarily for property
and casualty insurance companies in the Gulf Coast region of the United States, with an emphasis on Florida. We specialize in underwriting
medium frequency, high severity risks, where we believe sufficient data exists to analyze effectively the risk/return profile of reinsurance
contracts. Oxbridge Re NS functions as a reinsurance sidecar which increases the underwriting capacity of Oxbridge Reinsurance Limited