---
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"
generated_at: "2026-06-01T20:02:19.580119+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Conifer Holdings Q1 net income $74k ($0.01 EPS); combined ratio improves to 96.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1502292/000095017024060861/0000950170-24-060861-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1502292/000095017024060861/cnfr-20240514.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-060861
- JSON: https://secwatch.observer/filing/0000950170-24-060861.json
- Plain text: https://secwatch.observer/filing/0000950170-24-060861.txt

## Key facts
- Earnings Releases
  Presurance Holdings, Inc. reported first quarter ended March 31, 2024 results: net income $74,000, EPS $0.01 per share.
  - Period: first quarter ended March 31, 2024
  - Net income: $74,000
  - EPS: $0.01 per share
  - Result: reported results
  source text: On May 14, 2024, Conifer Holdings, Inc. (the "Company") publicly announced results for the first quarter of 2024.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1502292/000095017024060861/0000950170-24-060861-index.htm

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