{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-062879","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2023-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.287440+00:00","generated_at":"2026-06-08T04:58:09.384353+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Conifer Holdings Q3 net loss $2.7M; storm losses push combined ratio to 120.8%","bullets":["Gross written premium up 16.5% to $38.5M; personal lines GWP surged 84.4% to $10.1M.","Net loss of $2.7M ($0.22/share) vs loss of $1.5M ($0.14) a year ago.","Combined ratio 120.8% (106.5% prior); accident year ratio ex-storms was 95.3%.","Expense ratio improved to 33.9% (below 35% target); investment income up 68.6% to $1.5M.","Management cited $2.5M in severe storm losses in Q3 as primary drag on profitability."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-062879","json":"https://secwatch.observer/filing/0000950170-23-062879.json","markdown":"https://secwatch.observer/filing/0000950170-23-062879.md","text":"https://secwatch.observer/filing/0000950170-23-062879.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000095017023062879/0000950170-23-062879-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000095017023062879/cnfr-20231109.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T04:58:09.384353+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"dc627896c998a8ecd216ff84c7beb143c4fe4c94","claim":"Presurance Holdings, Inc. reported the third quarter ended September 30, 2023 results: revenue $38.5 million, net income ($2,706), EPS $(0.22).","evidence_excerpt":"results for the third quarter ended September 30, 2023. Third Quarter 2023 Financial Highlights (compared to the prior year period) • Gross written premium increased 16.5% to $38.5 million • Net investment income increased 68.6% to $1.5 million • Expense ratio improved to 33.9%, down 600 bps from the prior year • Combined ratio of 120.8%; accident year combined","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1502292/000095017023062879/0000950170-23-062879-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2023"},{"label":"Revenue","value":"$38.5 million"},{"label":"Net income","value":"($2,706)"},{"label":"EPS","value":"$(0.22)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}