{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-096867","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2024-08-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.277563+00:00","generated_at":"2026-05-31T09:18:19.733185+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Conifer Q2 net loss of $0.32/diluted share; revenue falls 57.5% amid MGA shift","bullets":["Net loss allocable to common shareholders of $4.0M, or $0.32 per diluted share.","Gross written premiums fell 57.5% to $19.0M as company shifts to commission-based MGA model.","Combined ratio worsened to 123.6% from 120.9%, driven by 91.5% loss ratio and 32.1% expense ratio.","Personal lines gross written premium grew 23.0% to $12.2M; commercial lines dropped 80.5% to $6.8M.","Book value per common share turned negative at ($0.10) vs $1.38 a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-096867","json":"https://secwatch.observer/filing/0000950170-24-096867.json","markdown":"https://secwatch.observer/filing/0000950170-24-096867.md","text":"https://secwatch.observer/filing/0000950170-24-096867.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000095017024096867/0000950170-24-096867-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000095017024096867/cnfr-20240813.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T09:18:19.733185+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}