{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-060861","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2024-05-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.706381+00:00","generated_at":"2026-06-01T20:02:19.580119+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Conifer Holdings Q1 net income $74k ($0.01 EPS); combined ratio improves to 96.7%","bullets":["Net income allocable to common shareholders $74k ($0.01 diluted EPS), down from $1.0M ($0.08) YoY.","Combined ratio improved 2.8 ppts to 96.7%; expense ratio fell to 34.7% from 37.3%.","Gross written premiums down 32.9% to $24.3M, reflecting planned shift to agency-based revenue model.","Personal lines GWP up 59.6% to $11.6M with combined ratio of 83.0% vs 106.1% prior.","Company targets redirecting all commercial GWP through MGA CIS by Q2 2024, using A- or better carriers."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-060861","json":"https://secwatch.observer/filing/0000950170-24-060861.json","markdown":"https://secwatch.observer/filing/0000950170-24-060861.md","text":"https://secwatch.observer/filing/0000950170-24-060861.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000095017024060861/0000950170-24-060861-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000095017024060861/cnfr-20240514.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-01T20:02:19.580119+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":"57cf4f7af9fc0158f8fa3ab3e4633d7efca554aa","claim":"Presurance Holdings, Inc. reported first quarter ended March 31, 2024 results: net income $74,000, EPS $0.01 per share.","evidence_excerpt":"On May 14, 2024, Conifer Holdings, Inc. (the \"Company\") publicly announced results for the first quarter of 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1502292/000095017024060861/0000950170-24-060861-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Net income","value":"$74,000"},{"label":"EPS","value":"$0.01 per share"},{"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"}