---
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"
generated_at: "2026-06-08T04:58:09.384353+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Conifer Holdings Q3 net loss $2.7M; storm losses push combined ratio to 120.8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-062879
- JSON: https://secwatch.observer/filing/0000950170-23-062879.json
- Plain text: https://secwatch.observer/filing/0000950170-23-062879.txt

## Key facts
- Earnings Releases
  Presurance Holdings, Inc. reported the third quarter ended September 30, 2023 results: revenue $38.5 million, net income ($2,706), EPS $(0.22).
  - Period: the third quarter ended September 30, 2023
  - Revenue: $38.5 million
  - Net income: ($2,706)
  - EPS: $(0.22)
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1502292/000095017023062879/0000950170-23-062879-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.